skysight-inc/HackerNews huggingface dataset:
Even the 6.5% is high, practically speaking. People tend to put more in the market when times are good (and the market is high), and less when times are bad (because they have less money), which mutes performance. Dollar-cost-averaging helps counteract this, but not all the way. So personal performance in the S&P will be less than the S&P market average.

I ran an XIRR analysis on my complete lifetime retirement contribution history, pretending that on the dates I had those sums of money, I put the money in the S&P and held. The results were not pretty, and were way below these "average rate of return" stats the articles like bandying about. (This takes dividend history into account.)

On top of that, the above link also shows how performance goes down if you want some degree of confidence. Over a 40-year period, a 90% confidence gives you 4.9%.

Finally, people are usually advised not to put all their money in the S&P anyway. Some kind of allocation model is preferred instead, which further mutes performance.

Our lack of personal-information education in this country is due in large part to misinformation, not just ignorance. I agree with the above conclusion; your chief weapons are raising income and cutting expenses, not chasing returns.
But where does that value come from? Did Bezos create it?
"Be a good citizen, pay your goddamn taxes."

Ok, so like why should I be a good citizen and pay my share of taxes when loads of giant companies, corporations, and wealthy individuals get out of paying millions in taxes every year by abusing the tax code?
When I see 2FA/password discussions, I check to see if anyone is talking about Gibson's SQRL. They never are. I don't know if it's the best, but I have a feeling we'll see each other in the "Getting 2FA Right in 2029" comment thread too.

https://www.grc.com/sqrl/SQRL_Explained.pdf
No source, but I'd be willing to bet it's very widespread.
New report shows Seattle tech salaries average $138K, trailing only Bay Area
I was expecting ~$250 from what I had read on internet. But I suppose it's the same in places where there's no official Apple presence - we have these 3rd party "authorized service providers". Or perhaps it's something to do with local customs/duties on imports.
Yes? It’s clear writing, it’s truthful and direct. You don’t like the style, but I’m sure there are many people who don’t like your preferred voice.

The days of one acceptable voice in trade writing are gone, and that’s a good thing. It was creating a gate keeping effect whereby people who spoke well and clearly but not “right”—according to some ethnic cultural moors—were not taken seriously.

Now everyone can be not taken seriously equally, each according to the weight of their words.
The next big thing? Algorand’s $60m raise leads to top-three market cap forecast
Good to know I was assuming they'd run a bit hotter. That will actually make the memory situation worse though in many regards.
Created Interface Builder at NeXT, among other pioneering research

Translation:

https://translate.google.com/translate?sl=auto&tl=en&u=https...
On the contrary, I literally don't know anyone who doesn't know what Slack is. I'm not sure if it's a generational gap, corporate gap, or what, but I've used it at multiple organizations both in and out of tech.
That's like saying that "Gun Free" zones are the solution to preventing shootings. If the law is practically unenforceable, you need a different solution.
It's come to my mind that someone could easily cause a small panic transmitting a fake EAS broadcast about some disaster or attack over FM stations duting heavy traffic in a city. Never heard of anyone doing it though. In high school I did play a fake alert from youtube about incoming nukes through the aux-in of a portable radio and had someone believing it for a minute.
I think the comment you're replying to is expressing frustration with disingenuous PR, not endorsing a market structure.
There are some really interesting comments in this thread, but I wonder what people think: Where does value come from?
I made the adventurous mistake of upgrading my main iPhone to iOS 13 and the Pots screen just refuses to load - tapping the icon freezes the app. As I keep most of my money in pots, I didn't have any money until I got out an old phone and installed Monzo on it.
Free Market... and the fact Google allows it.
Is there any way you could just make it physiologically untenable for anyone to stay in your office past 5PM?

Right around 6PM at my apartment, the downstairs tenants light up with the most awful, stanky skunk-weed. You literally cannot keep the windows open; and yet, in the middle of summer and no central AC, you can't afford to be there with them closed, either. So, in effect, my neighbour forces me to ensure I'm not home at that hour.

Anyone you could bribe to do the same near your office? :P
I balked at first glance because "free energy," but here we have a unique method for turning thermal into kinetic energy. Slightly outside the bounding box of this energy system, of course, lies the expending of more energy than what's produced to keep the hot water hot and the cold water cold.

But using natural low-grade temperature differentials as the author suggests, what might this arrangement achieve that a Stirling engine doesn't? More torque? Advantage of fewer moving parts? Novelty only?
If anybody has access to your 1pass account, you are fucked no matter what.

The biggest threat the vast majority of people face is getting one of their accounts taken over because they re-use credentials and some site, somewhere, got their account db compromised and now those credentials are on a list. Any account that has 2FA, even ones that use "weak" 2FA like SMS, will be immune to being broken into. These drive-by people won't be breaking into your 1pass account to recover your 2FA secret either--that is too much work. They'll just move on all the accounts that don't have 2FA enabled.

(huge asterisk: what I said is only true for drive-by attacks where some bot is burning through a list of a million accounts to try. If somebody is specifically trying to attack you and your accounts... you've got bigger problems to worry about than simply having SMS-enabled 2FA or saving your 2FA keys in a password manager.)
Allision - my maritime word for the day

https://gcaptain.com/maritime-word-of-the-day-allision/
Thank you for noticing. What I actually meant is redenomination:

https://en.wikipedia.org/wiki/Redenomination
Apple News Eats RSS Links
> Pay your taxes.

No one is saying otherwise, including the article.

> I understand using a 401K, getting exemptions for some things are built into the system. I am not talking about those.

What are you talking about, exactly?

> I am talking about wealthy and middle class people who deliberately abuse the tax code.

Can you elaborate here? Do you mean violate, or just take some deductions that they are entitled to, but that you don't like?
The UK's problem is not so much lack of houses (although the planning system really doesn't help)

It really is a lack of houses. It's true that some residential buildings are not being used to full capacity. It's true that we are far too centralised around London in some respects. However, those are still relatively small effects compared to building ~100,000 too few new homes every year for decades as demographic and lifestyle changes are rapidly increasing demand.

You're right that the planning system really doesn't help, nor does the ease with which the big housebuilders routinely manage to bypass it so they can build and sell the high-end, high-profit properties without providing the balancing low-end, lower-profit ones and supporting infrastructure at the same time.

It also doesn't help that our education system has pushed people away from practical trades. There are nowhere near enough good independent tradespeople for individuals to conveniently build, adapt or extend their own homes instead of buying the over-priced, mass-produced junk that big housebuilding firms typically offer these days. In some places elsewhere in Europe, people designing and building unique properties for their own needs happens all the time. In the UK, it's still rare enough to be a conversation starter if you meet someone who's actually done it.

Of course the problem now is that a significant number of people have treated property as an investment vehicle, intentionally or otherwise, and stand to be financially ruined if there is a big crash. Meanwhile, prices have literally become prohibitive in many cities and other relatively popular locations for the younger generations who are flying the nest and looking for their first home or wanting somewhere a step up the ladder to settle down with a partner and perhaps start a family.

The only way I can see to cool the market without causing economic disaster is a slow erosion based on building a more realistic amount of housing stock so market rates naturally fall over time. But of course the big builders and mortgage lenders really don't want that, and the system is stacked against the little guy who wants to go independent for the reasons above, so without disrupting at least one of those groups, nothing changes and the problems just get worse.
From the horse's mouth :)

I took it from your comment here - https://news.ycombinator.com/item?id=2275899 . Should I remove it from your list?
Why is that?

Claims without explanation don't move the conversation forward much.
Unless you use ramdisk! :)
Doesn’t make any sense to me to say “pay your taxes” to someone who is paying their taxes. Minimizing the amount one pays does not change the fact that they paid, what they owed.
Because the government (we call it "The State" here) can make a law to fuck everyone while we workers are powerless.
You misunderstood parent. They meant you can always nop the branch delay, and you might find something more useful for it later
> Everybody follows each other in a grand parade to oblivion.

You sir, are a genius. I love that wording. That should have been on the welcome brochure we all get as babies, assuming we could read it.
When you're talking about cache it's NUCA, not NUMA.
I'm curious if anyone knows about that image of the AMD cpu - it says on it:

"DIFFUSED IN USA"

What exactly does that mean? Given the next line is "MADE IN CHINA", it would seem like "DIFFUSED" should be "DESIGNED" - or does that word have a new meaning?
Good example of this is the 4 watt limit for CB radio transmission. I remember being a kid interested in ham and CB radio as a kid and being blown away seeing someone's "illegal" 300W amplifier.really doubtful that the FCC opens many investigations over that.
> Well, I thought the 'good' model of the web was schema-based XML was your data, XSLT was your representation structure logic, HTML was your representation structure

Not XSL:FO?
Without mounting an argument that others have to buy such products due to market forces, no, because the issue only affects the consumer and not those around them. A lack of security updates and no way to roll your own is more in the ballpark, since your IoT-whatever could be borged into a botnet and used to cause further damage, but even that seems like a reach compared to the danger of an exploding automobile.
This is sarcasm, right? "Self-driving" cars can't handle normal road conditions in most of the world, the idea that anyone would replace drivers skilled in offensive/defensive driving under urban combat conditions with an autopilot system is patently laughable.
Rental contracts are not valid in the South and one party can unilaterally end the agreement for no reason? That really sucks, if so.
I would say that searching for the answers to these problems in a new language is going to result in heartbreak. It is likely to not happen and if it does that language will be barren territory where you have what you want architecturally but nothing else.

I think the goals are great but addressing them at the architecture level is better, especially with tools to really take advantage of that modularity. Something like this:

https://github.com/LiveAsynchronousVisualizedArchitecture/la...
I don't think a CTO joshing you on how long you work has to anything to do with gender
Why wouldn't you get a trial?

If you caused enough damage and deaths you will get life in jail, maybe even death penalty. But only after a pissed off jury declares you guilty.

The reason for Gitmo, terrorist claims, etc... is because there are complex international matters that make prosecution difficult. But if you killed people during a malevolent act, you are a criminal and will face justice. There is nothing complex about that, especially if your are a US citizen on US soil.
I thought you were referring to those $15 1Tb sticks.
Note that this is only average base salary, not total comp. I imagine that this skews low when looking at public tech companies that pay out significant amounts of total comp in stock grants and bonuses. Not unusual to get 50% or more of total comp as non-salary.
Some companies try to disrupt markets, but Google tends to disrupt their customers. Not sure that makes sense.
Now if only every company and their mother would stop using third parties for links.

I don't care if you track that I clicked on your link. I care that your link doesn't appear to go to the same site your reply-to email would go.
> The federation's CEO and president, Guy Cormier, said the security breach is not the result of a cyberattack, but the work of an employee who improperly accessed and shared the information.

> That employee has been fired.

> Cormier said he felt "betrayed" by the former employee's actions.

Fired? How about arrested?
I stayed at a bed & breakfast and they gave me free cheesecake after uninstalling Bonzi for them. I just wanted to browse the web faster!
Didn't take much to uninstall malware back then. I probably added years to the useful life of their computer, it ate so much CPU.
Even though you can't win against thermodynamics, Nitinol wire seems fairly neat.
Even after reading this and now knowing that you can make and buy free maps with a free account, it's still really not clear from your website that is the case.

My recommendation: make it as stupidly easily possible to buy a single map whenever you want, with the option for no account at all (and make it clear you can do that through your website).

I could conceivably see myself using this, the output looks really nice. But as soon as I need to sign up for an account, even if it's free..... ugh :-/

Make it easy for people like me who might be on the fence to give you my money :)
See this for a discussion on other possible "first questions".

https://meta.stackexchange.com/questions/3991/what-was-the-f...
Even if we say that the owner is spending those several thousand dollars on maintenance that just means they're cash flow neutral. They are still making thousands through increased equity and appreciation.
0-5 years, high yield savings or CD (optionally, CD ladder).

Even bonds are too risky and low yield over this kind of timeframe.

If you had 5-10 years, longer duration bonds (cash is essentially a zero-duration bond). If you had >10 years, maybe stocks. Stocks can lose value over periods of 20 years, though, so you probably wouldn't go 90:10 even for a 10 year period.
What does this attitude have to do with being male? They have children also. A woman could just as easily have this viewpoint and your anecdotal story doesn't provide any evidence to the contrary. Calling this toxic masculinity isn't just incorrect, it shows that you have a problem with masculinity and are trying to attribute all kinds of negative actions to it.
> But that also means that if your password manager is compromised, 2FA is broken as well

Sure, but if your password manager is compromised, you are fucked anyway.
> Is this really considered an acceptable way to write these days?

I guess it’s fine if your target audience includes people that will feel more confortable if you write like that.

To me it depends on the subject, for some stuff I just want facts; but for stuff I know less about, I tend to prefer reading in a more casual tone.
In this case the hack isn't dangerous but I imagine spoofing a self-driving car into driving off a cliff would carry the same penalty as painting over lane lines to get a human to do it in the dark. Which is to say it's clearly murder if the vehicle occupant dies.
You're not being very reasonable; a more accurate way to put it would be to ask you if you have <App> installed on your phone, what good is it for you, and when (if) you've ever used it.

And then getting defensive about removing it if you're told by an expert you've contacting yourself that <App> is (part of) the cause of your woes.

Not exactly the same scenario as you posited.
regardless of other arguments for ubi this piece is full of flawed thinking.

> Universal Basic Income means that we can create a universal ownership stake in productivity,

There is already a term for that, it's called communism.

> At any point that they publish evidence that they are leveraging knowledge or information from an individual, be it an employee or a consumer, they owe us a piece

They owe a piece to the government and military that ensure the infrastructure safety and fairness of the economic environment they work in. They pay that (and should pay that) through taxes. It doesn't make sense to say that every time there is an economic transaction both parties should pay back to each other because they somehow "we owe us" . That's just confused logic.

> am interested in raising income, so I can give people more humanity, more dignity, more piece of mind to really uncover what their callings might be, so they can be more effective and more contributive in their communities

What you 're giving them is more money to gamble/spend on drugs/ be just as irresponsible as before. People dont suddenly become productive because you throw them a bone. Welfare is MUCH better at identifying peoples needs and filling the gaps rather than expecting that "they ll just figure it out themselves". UBI is more inhumane than welfare.

> At no point does automation mean that jobs go away,”

I mean, yes it does. by definition, and saying it doesnt doesnt magically fix it

> So, whatever cool comes from that culture, they owe me and people like me

hmm. i stop here. cant read further
One of the "Oscar Wilde Murder Mysteries" by Gyles Brandreth is set in the convict years of Oscar Wilde, and goes into detail about the prison life.

The period settings seem quite well researched, and are rather grim. But the writer also managed to make a decent whodunnit out of it.
As Wired and others have reported this spoofing attacking in the Black Sea could have been by the Russian Government. https://www.wired.co.uk/article/russia-gps-spoofing

Others commenting that this could be considered terrorism but if the government is doing it in the interest of defense then it won't be considered illegal.
Yeah, I think they've practically been losing money on phones since they started. I mean they're not losing YouTube levels of money, but it's not very profitable. And anyway compared to any search ads everything else is peanuts.
What Dropping 17,000 Wallets Around the Globe Can Teach Us About Honesty
>Intel provides financial incentives for manufacturers who build products around their chips.

Yes, but I think the bigger picture, Apple needed Intel's iPhone modem for another year. May not be worth to damage the relationship, not to mention the design were likely finalise some time ago.

I would not be surprised if the Sale of Modem Business to Apple will include agreement to keep Intel CPU on Mac. ( For the time being )

And I am sure AMD should be aiming EPYC at the Datacenter usage of Apple, which is huge in itself, rather then the market of Mac Pro. Although Apple using AMD on Mac would be a pretty big statement to the rest of the market.
I'm not a fan of this "dump a whole crap ton of semi-relevant information at once with no context" style. Personal finance should have discrete steps that complete newbies can master and you shouldn't move onto the next step until you've mastered the previous step(s) and shouldn't assume you have any prior knowledge. This article deal with specifics of trading ETFs yet doesn't contain the words "debt" and "emergency fund."

This is my personal opinion coming from a background where my personal finance knowledge started out as "I have a bank account" and is now more advanced than most people. I also came from a poor family.

IMO the very basic first steps anyone needs to take when getting the foundation of personal finance down are:

1) Either increase income or reduce spending so the money coming in is greater than the money going out. This can come with serious lifestyle changes, maybe you have to sell or downgrade a car, for example.

2) Aggressively pay off any high interest debt (credit card, subprime auto loans, etc.).

3) Build emergency fund. Use only for emergencies, not planned expenses.

4) From here, do everything in your power to not end up with high interest debt.

After you get the foundation then there's a lot of flexibility based on your goals and life situations and this is where the "personal" comes in.

Many people haven't mastered foundational steps, and mastering those steps are more important than meandering around about CDs, charitable giving being tax exempt, micromanaging credit scores, and tax loss harvesting. Not to mention it doesn't have the important caveat that you have to itemize to take advantage of the specific tax deductions mentioned.

I actually know a guy who is trading individual stocks while also paying 20%+ interest on thousands of dollars in credit cards.
There is an ongoing criminal investigation as far as I know.
A simpler spoof is to paint new lane markings that just turn off the road and into a field or a bridge pillar (And I genuinely think handling that should be part of safety testing for all cars with lane assist tech. Not because it’s likely but because it’s the worst case outcome of bad markings).

GPS can be wrong whether spoofed or not, and it should only make the car safely take the wrong exit in the worst case. It must be able to tell if the exit looks right and could reasonably represent the desired exit.
Why, the motor makes too much of a magnetic field? What if it corrected for the field it projects the motor to make at a given speed?
A lot of words here, but the video shows nothing besides the spoofed GPS location in the onboard screen. In particular, this is missing any kind of detail:

> Although the car was three miles away from the planned exit when the spoofing attack began, the car reacted as if the exit was just 500 feet away—abruptly slowing down, activating the right turn signal, and making a sharp turn off the main road. The driver was not prepared for this turn and by the time he regained manual control, it was too late to attempt to maneuver back to the highway.

So they forced the car to take the wrong exit? They stated just before that physical navigation/driving has no dependency on GPS. That’s a lot less dangerous than implied for “veering off road”, but the description is too fuzzy to know what really happened, and gives the article a suspicious tone.
It makes it a likely human-cultural universal problem that can't be fixed at the level of national politics (but rather requires something like transhuman genetic engineering to change the way our minds work, or something.) Better to focus on the problems that we have at least one constructive proof of being something other than an irreducible part of the "human 1.0" experience.
One of my few friends who had a desktop computer at home had this thing installed when we were kids. He used to make it shout swear words in our native language. Can't say it wasn't fun.
Why Katamari Damacy's Creator Left Japan
Anyone (in the US at least) can legally buy dangerous lasers.
Why headless is better than standard CMS