skysight-inc/HackerNews huggingface dataset:
I'm definitely not an investor, nor do I know what I'm doing but...

* 401k, maxed to what my employer will match

* Stocks just for fun

* Bought a house when the market was extremely low

* Invested in myself; getting a Master's degree through my employer's gracious reimbursement plan

My father always told me to start young; max out the 401k and put even more away just in case. I wish I'd done more of that, as the longer I waited, the harder it became. Thankfully I started the 401k very early and never knew what I was missing. It helps to not see the money at all; checking on it every once in awhile instead.
Here is a short answer...

My wife and I both contribute maximum contributions to our 401K's (no employer match). This is ~$16.5K/year, and we pick the funds the 401k allocation is invested in. Like any 401k plan, the options are relatively limited anyway.

Our larger savings and retirement funds, and some other assets, are managed by a professional. We both have a higher-than-average amount of investment knowledge and experience, but it is really a full-time job. We don't have the time to obsessively watch market trends, do research, and then move investments around to maximize our gains.

We also keep (depending on various other factors) ~$70-$120K liquid at any given time. This is money in a decent interest-bearing money market account, short-term CDs (3-6 months), that sort of thing. It's basically our funds for emergency stuff, cover a job-loss (we both work in startup type businesses), buy a car, or things like that.
If procrastination is the problem, then http://www.structuredprocrastination.com/ is the answer :)
In last fall's First Look Forum in Seattle, two of the five finalists (including the eventual winner Grocery Cart Savings) had good data on the problems merchants have with Groupon. Of course Groupon's aware of those too and may well have improved things since then, but the discontent is very real.
is this an application? what is this?
Along these lines, one pattern is to build a widget or page that renders in straight html and has links to take you to pages to perform actions. If javascript exists, scoop up the html and introspect it to build your rich widget. If the javascript never loads, you have a working page.

This, I believe is a good use of custom data attributes. When your JS introspects the html, it can use data here for configuration and setting values. It's messy and often impossible to use the same values you output to html in your javascript models. (For instance you might have a Number with arbitrary percision on your model, but only spit it onto the page with decimal points.)

But, yeah sure. It's a some extra work and planning we don't always have time for.
Switzerland already does this. EU members were pressuring them to release bank information (they aren't part of the EU but are completed surrounded by it). So the new compromise is they don't release the bank records but the pool all the money each country is supposedley owed and forwards it to them.

The problem is the other countries don't trust the swiss. They are basically being handed a bag of money and being told trust us. Underreporting taxes benefits the 2 parties with all the information (the swiss and their account holders) and the 3rd is left totally in the dark.
Right now, 403(b) with investments in index funds. Pension plan from the hospital I moonlight at 3 nights a week.

Any last remaining dollars go into building equity and creating value for my shareholders (me and co founders).
Massages and chefs and chauffeurs and butlers and servants, maybe.
1. Education. Biggest investment, also bringing biggest returns in terms of increased earnings, in both me and my wife.

2. Shares. Me and my wife both take turns picking individual stocks. We tend to look at the news, look at what is cheap, a little bit of technical analysis. Mostly we just look at things that are cheap, try and find out why they are cheap, and if we think they will go up we buy. The goal is basically diversification, with a slight preference to smaller, riskier companies. As we age we will probably skew that towards larger, less risky companies, or perhaps indexes.

Oh the government forces us to put a lot of money into some retirement thing, but I think it is unsound, and do not consider it an investment. (The whole thing is based on todays workers funding todays retirees, and relies on an increasing population, whereas the population here is decreasing). I consider it money down the drain / tax.
That seems to work also, what's the problem?
I own a lot of physical gold and I bet a lot on sports. On reflection, that's not as "normal" an investment strategy as I was thinking.
"what is the best way to deal with self-doubt ? and questions such as do i deserve more" -> therapy helps for some.
I'm not sure anymore, but I did go to Cafepress and take a look at my sales history just now.

It doesn't give much detail, but feel free to have a look: http://twitpic.com/3y0pg0/full
"easy to say when you have them"

Eh, that was exactly his point.
We ve started using this after I could not spin my head around all those spaghetti jQuery based functions we have been using as an excuse to make dynamic web apps. If u are using a lot of front end JS but dont want to migrate to a full blown framework (sproutcore, cappuccino etc.), Backbone.js is a great choice.

Word of caution though, it can get a little frustrating to start with (especially event binding) but once over that first bump, this just makes your code so much more readable and maintainable.
sitemap.xml and robots.txt offer much, much more control over Google's crawling, and require essentially no dev work.
I'd never heard of Messiah Studio before, but heck, I've dabbled in 3D enough to cough up $40 for professional software. Fingers crossed it hits the goal.
He turned the info over to the US govt. From my reading of this, either he didn't tell them everything he knew, or the US thought he was withholding info, or he's in prison because everything he was doing in Switzerland was considered withholding info in the first place. I didn't quite get that, but I think it was one of those areas that landed him in prison.

EDIT: Switzerland.
My short answer is individual stock investing is fools path to being poor as you are betting against a full deck stacked against you.

Index funds is slightly better than mutual funds by-itself but not much better.
If you happen to be running ZNC for a persistent connection, another option would be to use my ZNC to Notifo module to send highlights and PMs to your mobile device and/or desktop:

http://github.com/jreese/znc-notifo#readme
A good person to read up on is Vanguard's founder John Bogle. He's the champion of low-cost/low-fee index funds. I'm pulling this straight from his wikipedia page:

"Bogle argues for an approach to investing defined by simplicity and common sense. Below are his eight basic rules for investors:

- Select low-cost index funds

- Consider carefully the added costs of advice

- Do not overrate past fund performance

- Use past performance to determine consistency and risk

- Beware of stars (as in, star mutual fund managers)

- Beware of asset size

- Don’t own too many funds

- Buy your fund portfolio – and hold it"

And might I add one more: Take advantage of your company's 401k match immediately! That's free money on the table.

I've followed that style for my retirement 401k.

When it comes to play money and individual investments, I invest in what I know and what I believe in. The opinion is that one can't know all the information about every company out there so at least you can invest in the companies that you do know confidently about...

I follow Apple - and hence I made a big bet on them since the mid-2000s and it's paid off nicely... I feel Netflix is another company in its class - all my friends have accounts with them and have nothing but good things to say about them. Passionate customers can lead to profitability. I guess that's my individual stock picking strategy.
hi, i'm the founder of this site and am actually quite curious what you mean by this. do you think the feminine design will scare men away? or do you think the name will scare women away?
This is why I like reading the comments. Nice discussion.
Most of my money goes into a high yield savings account to survive with no income for a while (trying to get 18 months in there!). I do fund an IRA, my employer 401k (to get the most matching), and two Roth IRAs though. The investments in those are relatively conservative, I consider investing in my own products to be my "high risk, high gain" strategy.

Roth IRAs are great, you can take the principle out at any time (since it's post tax money). It's only gains that are off limits until retirement. Not only that, you can roll normal IRAs and 401Ks into a Roth IRA and get that money out after something like 3 years. It's thing #1 I'm going to do when I quit receiving a paycheck and have a year of very low income to report. I largely consider the Roth IRA principle as part of my savings fund.

If I started working harder to manage those investments, I'd head over to the Bogleheads forum and spend a week or two reading. For now, I have a friend who knows his shit that just tells me where to stick the money to keep it reasonably safe. It's mostly no-load mutual funds with a pretty big chunk of bonds in them.
Whenever I'm working somewhere with a 401K, I always max it out, especially if there's some sort of match. I'm currently a 1099 contractor, so I'm doing the IRA thing. And yeah, I max that out too. It's advantageous to current and future taxes, so no reason not to.

In addition, I do have an investment account with Vanguard. My primary investments there are weekly contributions to one of their index funds. I also have some minor investments in various stocks. I've been buying Apple pretty consistently for the past two years.
What will HP release for WebOS today?
French Government Wants to Sacrifice Net Neutrality
it is a dating community that will launch next month.
Stocks in Bovespa ( Brazil )
Given the abundance of academic research on the subject of the efficient-market hypothesis, I think it is futile and foolish to try to "beat the market" by trying to pick individual stocks that are mispriced. Therefore, I own low-cost index funds and try to own the market as a whole.

I do try to shelter as much of my portfolio as possible since taxes reduce returns. I have a 401k, 403b, Roth IRA, Traditional IRA, 457(b)... (I've had a lot of jobs).
Individual stocks, although I'm thinking of switching to just index funds (e.g. if dow jones index go up I earn money.) since constantly researching on companies become quite time consuming.
If you wouldn't recommend individual stock picking, mutuals, or ETFs, what investment vehicle would you recommend? I want to invest but feel like I really just know enough to get myself burned.
Again, I think I am in total agreement with you and ZachPruckowski... I just don't see how we could make parent involvement part of the system as a whole.

I mean, maybe that really is it -- we have truancy laws where a parent can get in actual legal trouble if their kid doesn't go to school, perhaps there should be laws where a parent can actually get into trouble if their kid is a disruptive student. I have a hard time seeing such a system actually working, "can't legislate morality" and other platitudes, but it's a thought, I suppose.
Backbone has built in support for templating. All you have to do is tell your View object what template it needs to render and you're on your way. Obviously, you can use whatever you are comfortable with: mustache, underscore, jTemplates etc.
Or:

(remove-if 'oddp '(1 2 3 4))
hexadecimal is used, because the conversion is almost free (as oposed to decimal)

Also, phone numbers (for last 50 years or so) actually are hexadecimal strings (with extra characters - denoted ABCD*# - reserved for various special purposes).
The Revolution will be Tweeted (Malcom Gladwell refuted by Rex Hammock)
But it has an interface that no one undestands
Interesting article and interview from CBS 60 Minutes

http://www.cbsnews.com/stories/2010/08/05/business/main67456...
Didn't work correctly with a few slightly-more elaborate key combinations I tried. IIRC C-x M-. was one of them.

I much prefer formatting the keybindings like kbd uses, anyway - do you know offhand how to convert a keypress to that format w/out using C-h k?
i just have "urxvt.urgentOnBell: true" in my .Xdefaults so it raises the urgent hint of my window manager when someone says my name. never had the urge to get other notifications. cool solution, though.
> You're confusing "quality literature" with "books people like to read."

I'm not confusing anything. The comment I responded to stated that "books have become commodities. They no longer compete on quality but rather with cost."

Assume it is true, as insinuated, that books did compete on quality, then the result of winning that competition is a given book becoming widely read (in other words "books people like to read"). I submitted that line of thinking has a false premise.

That's all I was responding to. No confusion whatsoever.
What if there is no way for government to control the money supply, see who use it, and implement regulation?

That mean the ability to tax fall down like a house of cards and we have to look for alternative ways of running society.
I wonder how the number sited there is calculated. Nokia's 2010 revenues were $58 billion, whereas the Finish GDP was $240 billion.
You might be addressing this in the next post but I am very much interested in the manufacturing and shipping portion of this project. Will it be a big job to match up the addresses to each size that they ordered and ship them? Are you just going to receive in the mail all the different shirts of the different sizes and have to ship them yourself or is there some fulfillment company you're using?
>I'd head over to the Bogleheads forum and spend a week or two reading.

The bogleheads forum is a fantastic resource with many published authors and other smart folks. I have been an avid reader (and occasional participant) for over 2 years.
In every one of those comparisons, the new technology offered a fundamentally new potential that the old technology lacked. Even in 1965, people could appreciate automation. Even in 1988, people could see the potential in putting a computer on every desk. Even in 2002, people could see that web apps were accessible wherever the web was accessible, instead of needing to be installed separately on every computer where you wanted to use them.

What do HTML-based apps offer the user that native apps don't? They're easier to create and update, and they offer an inferior user experience. It may be an exciting new paradigm for developers, but from a user's point of view, it's just a cost/quality trade-off. The only distinction that is meaningful to users is installed app versus web app.
Interesting business model here. They'll give you the program for $40, but charge you extra for the tutorials.

Still, for $40 how can you go wrong on a piece of professional software?
Tiny design thing: your background image doesn't match the background color. Seems to be a color profile issue. Doing a "Save for Web" in Photoshop should fix it.
Anyone used blender for this sort of thing? http://www.blender.org/
Anyone has experience how well it runs on Mac?
Which program? I did a month of the absolute beginner level at Tomer in Istanbul. I remember being so absolutely lost the entire class, but somehow I kept learning. I'm still not at the point where I can make the "switch," like I used to in Spanish, but that's more my current priorities. (watching two languages slip away... sigh)
Starting young is great. You're hinting at one of the other keys that has helped me, which is to make it automatic. This is often more important than the vehicle you choose for investment. If I automatically invest a certain amount each month it's just like you say - I never miss it because I never see it. Make saving as easy as possible (and what's easier than automatic?) and spending as hard as possible and that will drive your savings rate way up.
He does actually own Wookiepedia, but in his private capacity as a businessman (occasionally the source of some conflict-of-interest controversy): http://en.wikipedia.org/wiki/Wikia
I wish I had $40 in my Paypal account. I'd buy it for sure. Ah well, even if I don't end up getting Messiah Pro, there's always Blender3D, which is free, and which I have some experience in already.
'Burning' memo from Nokia's Elop sets stage for OS shake-up
That reminds me! Anyone who cares should read the Bogleheads Guide to Investing: http://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Lari...

It's a quick read and probably tells you a lot of what you already know, but it's well written and explains the basics of the various investment vehicles well.
It will aways be harder to attract/keep women on a dating site than it will be to attract/keep men. That is why almost ALL advertising for dating sites on TV is targeted at women, IMO.

Further, if you start with a domain like inlu.st, you are eliminating the % of women that actually care about long term relationships over one night stands. That is a very large %.

Just my opinion. I have no data for you.
Lots of questions regarding manufacturing/processing/shipping, so it's coming in detail in another post. Here's the gist of it: wholesale screenprinted tees (no fulfillment service), giant paypal spreadsheet to match addresses with sizes, and USPS first class mail. Shouldn't take more than a night to complete once the shirts arrive.
See a financial advisor and figure out what plan is right for you. Not only is this question open ended, but answers are and should be tailored to the individuals needs, plans, and long-term goals.

To "hack" investing, just focus on figuring out what type of long-term goals you have. 5, 10, 15 years, and retirement, what do you want to have achieved or saved by then. When do you want to retire?

Are you wanting to manage your money, or pay fees to have experts do it for you?

Do you have a family? Who do you support financially. All these factor in what type of personal investing you should do.

Once you have figure out all these, the main goal in investing is diversity of your portfolio. Diversity in the risk versus payoff, but also in type of investment, region, and industry.
Thanks for making me aware of Mnemosyne!

One thing that helped me to learn English was to watch movies (especially stuff with cool oneliners) with both subtitles and close captions on when possible, so I get a transcript of the dialogue and a translation at the same time. Later on I only needed the English subtitles to verify that what I heard was correct.

Movie quotes are great because they lend themselves to repetition (much to the annoyance of everyone else in the room).
WWF, a new green file format (PDFs you can't print)
Ask HN: Do YC startups use Drupal?
Do any of the YC startups use Drupal? How about PHP - or is it a minus? My startup product is partially based on Drupal7, the API part is Python and I simply can't learn Rails in the next few months, assuming that the advantage I get is not enough to compensate the newbie period.
Played with it a bit a few years ago. For what it is (free 3D software), I think it does fine. But at the same time, I think there's a reason it's not really being used professionally in the film industry (disclaimer: it wasn't the last time I looked, anyway).
Personally I'd guess at the name scaring women away.

However I wouldn't necessarily trust my intuition and would prefer testing it.
DataIntel firms planned to takeout Wikileaks
Looks like palantair, hbgary, berico technologies, and a law firm tried to pitch Bank of America on a plan to take out wikileaks.

Original source.
http://crowdleaks.org/anonymous-retaliates-against-hbgary-espionage/
Yeah I've never heard of this either despite reading quite a lot about 3D software recently. But it's good to see an independent package that hasn't been acquired by Autodesk (yet). I'm a bit suspicious of the lack of recent reviews or discussion online, but as you say $40 is worth the risk.
I love (er.. lust) the name. Any reason why you're not collecting email addresses? Having an email list you can blast out to on launch day will help you reach critical mass quicker, avoiding the chicken and egg issue all together.
Blender is good, but it's community-driven approach shows in the UI. It's pretty crusty and ugly, but in the end, it works pretty well.
Nice idea. Here are a couple of thoughts:

- How about showing the beginning of the message in the tweet? Something like:

Hey @Recipient, someone sent you a secret message: "Start of the messa....", read the rest at ...

This could be optional when creating the message, or you could let the sender pick out a phrase or few words they want to be displayed publicly.

- Does the actual message being sent have to conform to Twitter's 140-character limit? It's a little unclear on your site. If so, maybe add a Javascript counter that counts down available characters as you type. If not, this is a nice feature of your service (send longer directed messages to Twitter members) that you might want to list.

- The quote you are using ("Secrets are made to be found out in time") is cool, but implies that the service isn't really so secret.
I don't know about that, I've got no problems with their UI.
"Secret email"?

Is meant to be a "cheating" dating site or regular?
The impact of IT decisions on organizational culture
New Apple showcase store: All-glass roof, trees growing inside, glass walls.
I don't think it's about hitting a magical number as much as it's about hitting consistent numbers. 1 million over time is a great goal but is it worth as much as consistently hitting 25k everyday for a month or two? Benchmarks are meaningful and will absolutely drive a project but in the end consistency sells.
Have you seen the latest iteration of their UI? It's much closer to the likes of Maya and 3DS Max now, and is quite usable.
The term "web scale" needs to go away; it just doesn't make sense. No one site will ever need to be "web scale" by its definition since it's highly unlikely one site will get all of the web's traffic. The term could only apply to a crawler or something similar that actually consumes the whole web. Your website will either scale or it won't and there are various levels of magnitude, but the term "web scale" is confusing and buzzwordy.
Respectfully, you are kind of acting like a dick.

If one weekend, the toilets back up and he has to clean up the mess and deliver a milestone, he deserves a raise or rises to sr. dev?

So he gets a raise, and now he has no reason to complain if the toilet backs up once a month while he is working that weekend?
The more complex your site gets, the harder making /foo/bar => #!/foo/bar dance becomes. This is hampered by the fact that, when you bring these issues up with business folks, it'll probably go something like this (from experience):

1) How many of our users will be affected?
2) How much harder (i.e. how much longer) will it be to do it right?
3) Don't we depend on JS to inject ads anyway? Ads are the whole reason anybody's paying for this...

When you truthfully answer #1, if #2 is more than about 5 minutes, nobody's going to budget for it.

Overall, the hash-as-URL argument is hampered by the fact that Gawker is a prime example of going single page just because you can. Other than fancy page->page transitions, I don't see what their new setup buys them.
That Groupon is probably a fad? Granted.

That this automatically means there is some kind of "tech bubble"? That any startup related to the consumer space is going to implode and possibly take the whole tech sector with it? Blogga please.
It almost certainly works out that if you are a Groupon customer you spend more money than you typically would - in your lifespan of Groupon. Whilst you save money on the first purchase, would you have bought it at all if not for Groupon? What about future purchases? You probably wouldn't have ever considered Balloon lessons if not for Groupon...