skysight-inc/HackerNews huggingface dataset:
Because holding cash costs money, you need to have a big place to stash it and keep it secure. Some banks are trying to do that though, but it is not easy to do in scale of billions.
Not the entire premise. There's an additional desire or hope for attention and money now. That's the piece that was absent and relatively impossible back then, that is obviously being eschewed by "Cat Man" to the delight of the author.

Edit: and those platforms actively work to "optimize" the former into the latter wherever possible.
I didn't read the whole article (out of free articles on bloomberg and I'm not going to jump through hoops to get around the paywall), but it seems like the premise of the article doesn't match the title here.

It's not that TVM has disappeared, it's that people's evaluation of market risk has changed. It has always been the case that people are willing to accept a lower return for lower risk, and that will always continue to be true for rational people. Government bonds used to be the second lowest risk option- the absolute lowest risk used to be cash in a mattress (or a safe/bank vault), which returned zero percent (or just slightly below zero if you have to pay for storage). If a bond yield is negative it's not that TVM is suddenly wrong, it's that enough people seem to think that bonds are lower risk than holding cash.

Another option is that enough people think that the only alternative to stocks is bonds, and they forgot all about cash, causing bond yields to dip below cash yields. I doubt that enough people are dumb enough to forget about the cash option, so I don't really think this is the case.

I personally think it's silly to think a government bond would be lower risk than keeping my money in a safe, but think about the market movers (investment funds). You can't keep a billion dollars at your house, so you probably have to keep it at the bank. A negative bond yield indicates that you think the government is less likely to disappear than a bank, which at least makes some sense.
Anyone can seek meaning in their work, regardless of the circumstances.
There are multiple sites that will block your access completely if they detect an ad blocker - that isn't ad related.

I contribute to the EasyPrivacy list a bit, and there are a number of sites that do massive device fingerprinting, loading Java, Windows Media, attempting to livestream, enumerate your ports with websockets, port scan your LAN after getting your LAN subnet via WebRTC, if you refuse any of these your account is flagged as fraud.
Not saying it works, but it is in the ballpark. An idle human dissipates something like 100 watts. Heat and humidity interfere with your mammalian superpowers and you start having trouble getting rid of your 100 watts. A device which moves a faction of 100 watts can get you out of the horrible parts of the mammal powers (sweating buckets).

To compare to CPU cooling, a human is a small CPU in terms of power production. Peltier CPU coolers are not popular because they tend to be less efficient than big air heat exchangers… but… A Peltier CPU cooler is an "instead of" device. A Peltier cooler bolted on to your fanny is an "in addition to" cooling device.
It seems that one of the most important things to start with is a page right at the top of the box with "IF THIS BOX HAD TO BE OPENED" followed by notes about payment for the box, multiple contact methods including through several third parties (friends, family, employers), etc. with mailing addresses, phone numbers, email for each. Heck, include several pre-addressed letters or envelopes with (in the USA) "Forever" stamps already on them.

Work from a basis of "mistakes happen, how can I minimize the impact?"
> Democrats’ understanding of Republicans actually gets worse with every additional degree they earn. This effect is so strong that Democrats without a high school diploma are three times more accurate than those with a postgraduate degree.

Wow.
There is a massive gap between the successful economies of urban Canada (especially. Toronto & Vancouver) and rural Canada.

It is politically difficult to turn away from resource development because there are few if any jobs in rural Canada otherwise. This is a problem I've been watching politicians wrestle with my whole life and we are no closer to a solution.

BC's economy took an incredible nosedive in the 90s when there was a secular decrease in demand for its wood and pulp products which were a huge part of the economy (think how phone books no longer exist and you'll understand why). Some regions of rural BC have pivoted toward eco-tourism, but it hasn't been a real replacement.
Actually, large amount of cash instruments are pretty unweildy things. And you still have to pay to secure it in the meanwhile.
Honest Q: where does that leave me as an atheist?

As one such, the only meaning I can find in life is "it's about other people, and sentient creatures. Treat them well"

There is nothing else.
It's strange watching American politics as an outsider. Trump was basically elected by the flyover states because he acknowledged that blue-collar America's economic situation was sub-par. And while he probably hasn't helped out their plight as much as hoped, the US economy overall certainly isn't hurting. Yet the democrats seem completely oblivious to the reasons Trump came to power in the first place, and somehow are poised to completely blow the next election despite the media machine railing against Trump and his supposed unpopularity.

All the talk about Trump's racism, Nazi immigration officials, etc..., just makes the democrats look desperate considering his policies aren't much different than Clinton's in the 90's. His economic policies would have been considered orthodox in the 70's and 80's. The Democrats wasted years trying to come up with some sort of Russian link which they haven't proven and which frankly, I don't think anyone cares about.

And it's all quite ridiculous considering Obama continued most of Bush's policies. He extended the Patriot Act, didn't shut down Guantanamo, killed people abroad with drones, detained and deported migrants. The absurd angle the democrats are taking with Trump is going to lead them to another defeat, as they're diluting their message by being so extreme. Trump makes everything about himself, the Democrats reinforce it, and it's impossible to see anyone from the Dem side challenging him.
But during that time inflation was in the double digits, and peaked at 14.8%. There was a real risk that inflation would go to 20%, which would wipe you out.
Water temperature is about 58°F / 14°C. With a decent wetsuit the water temperature will be fine for most everyone, although the real tough swimmers go without.

There are sharks in the Bay, mostly leopard sharks which aren't dangerous to people. At times there may be a few great white sharks as well but you'll probably never see one.
> Sorry to disappoint you again...

Don't worry, I'm rarely disappointed. I try to keep my expectations low. In any event, your presumed identity (or lack thereof) is not really important to what I am saying.

> ... but like you, I also take issue with “McMindfulness”.

I don't necessarily have an issue with "mindfulness", that's just a technique of meditation as far as I'm concerned. Like other techniques of meditation, it clearly does something. I do think it can be beneficial, in the same way that hallucinogenic drugs can be beneficial.

Biochemically, these are similar in many ways. Yet, few people would dare claim that dropping acid can actually give you a deeper understanding about the nature of the universe. It sure can feel that way though.

> Another commenter (one of the first) made the point that “mindfulness” is an inaccurate translation of the Pali “sati”, which in the original context doesn’t mean much more than “remembering to be aware of the objects that your mind is attending to” - those objects being specific and often elaborate mental and emotional faculties. Sati is no system in itself.

See, I much rather have an issue with these foundational teachings. That stuff is woo-woo. That's the stuff you brought up.
I'm sure this is a hugely ignorant question, so I'm asking honestly...

> Some funds track government bond indexes, meaning they must buy the bonds regardless of the yield.

Well, that looks like the problem, to me. How about don't do that? Just choose to invest in literally anything else that doesn't have a known negative ROI.
Predictions for What the World Will Look Like in 20 Years
Europe has a rich diversified economy with the rule of law, strong reporting etc.

Asia has economies that respect the rule of law (e.g. sg, kr, several others) but they are small. There are also some large economies (China, India) but they lack much transparency and especially in the case of China obscure manipulation and heavy government participation. Japan of course is the exception (large economy, good governance, good reporting etc) but is less of a growth prospect.

These aren't reasons to put all your money in Europe and none in Asia. I also don't mean to challenge your statement that Europe is the past and Asia the future. But there are good reasons for some people to choose to invest in Europe even if they don't live there.
Building a Bamboo Bicycle [video]
The planet most definitely can.

We can borrow against our future cash flows, there is plenty of underutilized capacity that could be used to transform the world to carbon neutrality.

But so far we have not made this choice, because our power structure is too short sighted. Why? Well, naturally there are true ignorants, some selfish folks manipulating the former group, and so we have ugly inefficient compromises.
I still don't fully understand negative interest rates. So banks then have a negative penalty for holding cash?
Cash holdings still have risk for large amounts of capital. For example, if you had 1,000,000 in cash at a bank, it's only guaranteed up to 250,000. The other 750,000 is as risky as the institution. Compare this to a US treasury, which is substantially safer than any individual institution.

Banks can and do fail, particularly during crisis... and during a crisis safe bonds (e.g. US Treasuries) will gain in value.

I think there are a lot of people (like myself) that think it's only a matter of time before another major crisis... and are waiting to buy stocks at a steep discount.
They did not use ink. It is actually a stylus used to write on wax tablets (https://en.wikipedia.org/wiki/Wax_tablet). Later in the article it says ... Other finds included more than 400 waxed writing tablets, which offer insights into the first decades of Roman rule in Britain.
For many, it's probably not which party they agree with more points from, but which one they agree with on the one or two issues they care about the most, even if they disagree with everything else.
You're getting paid by the bank because you're effectively loaning the bank money
At least in the US, I feel a “better balance” would mean extreme missing middle housing production in the most productive cities so that the difference in the cost of housing between cities and rural areas would decline. I’d also be supportive of promoting actual “small towns” like those areas across much of the Midwest and rust belt that have a dense historic center and allow one to live a car free or reduced car lifestyle. What we do not need is more low density single family home car dependent living space.
It has been characteristically eco-destructive and defended its business to be so, even where standards exist and are enforced to require replanting - this has practically resulted in dense monoculture plantations not sustainable forest habitat.

It simply has to be transformed, its legacy of habitat devastation must be outlawed and could even though unlikely -justly be retrospectively prosecuted.
The second question does not ask for an estimate of prevalence, but to pick the answer you think most popular. You can over-estimate the amounts as much as you like as long as the majority choice remains the same, ie it would not matter whether you think there are 0.1% or 49.9% of creationists...
The one I rode the other day felt wobbly. If that’s the trade-off for not squealing it’s worth it though.
I mean, if you want to split hairs, then yes most Americans live in the suburbs of metropolitan areas, which is because of and also the reason for shitty American infra. If you are looking for Berlin+ levels of density that would be the 7th percentile of American zip codes.

The person you are responding to never even used the word cities.
I'm wondering why they haven't long ago. Instead we're told "The application has a valid and signed developer ID, by VoiceFive Networks."
Keep in mind Modern Portfolio Theory, in which we measure the total return of a portfolio, not just the individual components.

A huge number of retirement plans and endowments and pension programs will still hold negative yielding bonds, because they need to diversify their assets.

In theory those safe government bonds will shoot up in price just as equities crash. Because these assets aren’t correlated, your long term return will actually be higher. So, yes, that is probably worth paying a bit of money for.
Supply and demand, and fear. Imagine a customer who needs safety more than a return. They are willing to put down $1 now in exchange for a GUARANTEE they will get 0.99 in 10 years.
Defensively upvoted you, with the caveat that I would maybe redirect the concept of being "remembered" to a simpler one of just wanting a connection with other humans.
How can you? (Oh, that's why you made the throwaway. Maybe I could take your argument more seriously if you used your actual account.)

It's not like operating these centers doesn't cost money. Our party (I'm a registered Democrat, thanks) had to concede this point after letting the situation get as bad as it did by blocking funding for so long.

We have record rates of illegal immigration right now. The answer isn't simply to let everyone through -- there's largely bipartisan support for legal paths to immigration...and also under this presidency we also have (recent) record numbers of legal immigration as well.

How many Republicans do you actually know, because I haven't seen any of them (like in my family or in any of the media they consume) cheering and encouraging putting people in cages. They want deportations and to stop them at the border completely, turning them away.

I'd be interested to know where you live, because here where I live there was virtually no internal Obama criticism that I'm aware of. Even the 20% illegal Section 702 wiretaps and drone campaigns in places we weren't at war with got a pass.
"We have many historical case studies that show what happens on a broader time scale when a society's money is debauched"

All those are examples of high inflation, this isn't what we are seeing, and seemingly not what bond buyers are expecting to see.
Not “having”, but lending it for some time to other people.
> But, the market seems to be saying that there are too few good investment opportunities. Maybe consumption should be higher?

The market has very little say in the matter when the central banks force interest rates to near (or equal to) zero -- somewhat ironically to increase consumption by de-incentivising saving.
The role of a President is NOT to set strategy or even understand it. That’s a CEO.

The role of President is to gladhand and otherwise maintain relationships necessary for the partners to feel safe continuing their contracts.

That kind of “aw, shucks” mentality is very useful for this.
> Historically, advanced civilizations have flourished in the cooler climate

I can think of a couple of advanced civilizations which developed in warmer climes immediately (Indus valley and Egyptian). Would like to believe climate contributed much lesser (unless extreme like Tundras) to advancement of civilization vs other factors - easier transport/availability of water/natural resources.
If it makes you feel any better, we're only collecting GPU info so we can identify you when you've "forgotten" to accept cookies. It's only like we're lifting your finger prints from discarded coffee cups, no biggie.
(adtech developer)
If the summary takes precedence, then what purpose does the legal code serve?
Using this on subjective questions (e.g. “Is Cymbeline one of Shakespeare’s best plays?”) would help you find... what? Underrated things?
> Now finally these new BART trains rolling out, some NYC trains were also modernizing some about a decade ago, but I haven't been to Sweden or much of the rest of Europe in a long time, and I wonder how much further they've progressed.

Unfortunately very little in Sweden. Really the only thing of note close to Sweden would probably be the subway in Copenhagen. Maybe Spain would be impressive, but most of it is happening in Asia these days.
Being able to play music / an instrument is certainly a great skill to have. Can´t do it myself, due to a shared flat, but a great thing to do!
The 1973 oil crisis (and paying for the Vietnam War, etc) had kicked off a cycle of inflation that didn't really end until after the early 1980's when Paul Volcker (Federal Reserve Chairman) shrunk the money supply and raised interest rates. The prime rate hit 21% in 1982.

Dad was getting phone calls just begging him to refinance his 3.5% mortgage to current rates. "We have a low-low 18.5%!" Nope.
This last part just has the effect of increasing the large amount of cash that ultimately someone is responsible for safe keeping in the meantime.
When sums of money are sufficiently large (millions or billions of USD), it sometimes makes sense to secure a very small loss (0.5% per year) than to park it in an account or fund or etc which could have a positive or negative yield (maybe you win maybe you lose).

Also, to the original commenter, I will never put all my cash under the mattress. One break in and it's all gone.

I currently have all my cash parked in a 1% interest checking account with strong protections and fringe perks.

I am content with taking an extremely small loss on inflation while I wait for the market to eventually tank. It's been longer than I expected (2 years already), but I do not ever shed a tear over the what, $16,000 in pretax capital gains I theoretically could have made?
Related story - my first job out of school was in investment banking. My desk worked on some esoteric securitization products (basically bonds backed by aircraft and shipping container leases) where all issuance had basically disappeared when I started, which was right after the 2008-9 crisis. These products generally were in the A/BBB area, and generally had traded like high yield bonds before the crisis. When I first started, we struggled to find investors and were generally seeing 6-8% yields on some small deals. By the time I left three years later, yields were getting down to the 4% area, issuance sizes had tripled and new paper was routinely 3-4x oversubscribed. I have some friends who still work there and tell me not only have yields kept coming down, but lower quality leases are being thrown into securitization pools. I 100% agree on all the comments here saying the big story is lower rates driving people into riskier investments. When the next crisis hits, people will talk about how negative rates forced people to reach for junk companies and questionable securitization paper.
The Marine Corps is getting 'a web of all-seeing eyes' to keep watch on bases
It might help to think of it as going beyond zero interest rates to the point of intentionally punishing traditional savings to try to force consumer spending (if you hold onto it, we'll devalue it), entice borrowing (we'll essentially pay you to buy a house [1]), etc. There are various approaches to pushing rates below zero. Japan and the ECB have done a lot of experimenting, the US will probably take some notes from them when it comes time to push US rates below zero persistently.

[1] https://www.wsj.com/articles/the-upside-down-world-of-negati...
Absolutely. This is how I generally vote.
No. The investment vehicle should (strive to) attain it's stated goal. If I invest in a fund that tracks bonds, then I expect it to track bonds. I didn't invest in a fund that said it would give me zero percent yield, I invested in a fund that said it would track bonds.

If you want a fund that invests in literally anything that doesn't have a known negative ROI then you need a different fund.

If funds try to do what they think investors want rather than what they said they'd do, then they can get in serious trouble.
I don't think it's that different. Microcode can work efficiently with multiple ISAs. In practice, x86 and amd64 are actually fairly different targets. With amd64 you have far more registers and no x87 weirdness, for instance. ARM chips also generally support multiple ISAs.

Of course you have trade offs regarding optimizations, but that's true at multiple levels. For example, many exotic x86 instructions (like BCD) aren't as optimized as they could be.

> If you had proposed adding hardware acceleration to make emulation of a specific architecture faster then maybe one could have squinted and said it's emulation instead of secretly implementing a x86 CPU in your ARM CPU.

Of course I'm talking about hardware-level support. I'm talking about the things that already exist.
1) The funds themselves are specifically designed for people who want their money in government bonds. If that doesn't make sense for you as an investor now, then yes, you should get out of the fund, but the fund is still chartered to cater to whichever (insane) people still wish to be in government bonds in a negative rate era.

2) It's not necessarily bad to have bought into the fund. To the extent that interest rates go down, that means the value of the bonds, and therefore of your shares in the fund, goes up. So you could at least pocket that (one-time) return and move your money into a 0-yielding savings account.
Investors are free to not invest in such funds..
I’m not sure about civil projects. I’m mildly familiar with commercial construction projects. Those have milestones and due dates built in. And if those are missed the GC doesn’t get paid until they are met. If dates are missed they can incur penalties. This is done to ensure the GC doesn’t pull resources off to another project.
If you agree to sell me a fish, I'm gonna be frustrated when you fulfill the order with a hotdog.

The whole point of the funds is that they manage the buying and management of government bonds, that's the service they provide.

You can buy bond funds that only partially invest in government bonds.
Different strokes for different folks. Some extraordinary people poured everything into their work. Might not be for you or me, but doesn’t mean it’s the wrong way to live.
Evolution is a massive parallel computation system using heavily bummed code. Nobody really has any idea the value of any gene (much less how it interacts environmentally) on a systemic level.

The cost of wiping out depression could be a lack of creativity. Which will be more valuable in a society 30 years hence? Nobody has any idea of course; that's the value of evolution: it continually run a set of multivariate experiments.

Good luck to you and your kids; I honestly hope it works out well for you all. But based on centuries of fad "engineering" mostly at the environmental level (teaching, nutrition fads) it all below the noise floor.
Well, the process of designing the chip to fabricate. This means paying a lot of electrical engineers to design the chip, probably paying for several iterations of lithography masks. Yes, TSMC certainly can make any chip of the desired size - they are already making enough of those - but the development is very expensive. The Mac Pro by itself is certainly not selling in high enough numbers to pay for such a development and considering how long Apple neglected the pro, I am somewhat dubious they would be willing to spend a huge amount of effort on it.