skysight-inc/HackerNews huggingface dataset:
Let's say you earned $200,000 a year. You live a lifestyle that costs you $350,000 a year and currently owe $1.5 million. The interest payments on that are probably $30,000 a year (15% of your income). Your solution? Borrow more? What bank would lend you money?

Multiply those numbers by a million and you have the current situation of the US government.

Non-discretionary spending is spiraling out of control. I had this discussion at dinner last week where someone suggested it was crazy not to raise taxes. I disagreed. My argument is basically this:

1. People on low incomes currently pay little, no or even negative tax (factoring in government benefits);

2. Such a system creates a disincentive to work with the marginal rate of tax. If you earn $10,000 and get $2,000 from the government but by $20,000 you are paying $2,000 in tax with no benefits, the marginal rate of tax is actually 40%;

3. The problem isn't the top rates of tax, it's all the exemptions and the complexity of the tax system.

So how about instead of populist pleas of taxing the rich we simply make everyone pay their fair share? What about 25 cents in every dollar for every dollar you earn each year above $20,000 (and nothing below)?

Congress seems beholden to special interests and pork barrel politics. In the 90s Congress tried to surrender their power to the executive branch by passing the line item veto measure. In previous years they were unable to close military bases and had to establish the Base Realignment and Closure Commission.

Will it take a similar commission for Congress to distance themselves from similarly hard decisions? The longer this goes on, the harder it's going to get.

What I see happening in the coming years:

1. Retirement age being raised to 70 or even higher;

2. Federal sales tax similar to the consumption tax every other OECD nation has. State sales taxes are too complex. Interstate sales tax exemptions are fighting a losing battle to continue to exist; and

3. The US adopting a more isolationist foreign policy, including a continued decline in the US military that is already well underway (compare the size of the US armed forces today to what they were 20-25 years ago).
AirBnB facilitates a set of behaviors that's almost never covered by normal homeowner/renters policies, along with being illegal in some places and against most rental contracts.

The only people who benefit are the guests, as any host who isn't using AirBnB to fill a rental property they already owned is taking on an incredible amount of personal liability for a relatively trivial sum of money (compared to the uninsured costs if something goes wrong).
I suspect that a large percentage of that 2% are business users who have an internal app which only works in IE6, and are therefore have to use it.
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Hey mtogo,

Here are some differences I'm aware of:

CushyCMS – you'll have to host it on their servers.

PageLime – you'll have to provide PageLime with your FTP login credentials.

With Liberate, all you need is to get your webmaster to add in the DIVs and Javascript that Liberate gives you to the HTML page you're trying to update.

This is handy if there's an existing website that's already hosted somewhere that you'll need to update now and then, much faster than porting the whole site to CushyCMS.

Some webmasters aren't too comfortable saving FTP login credentials onto a 3rd party service either.
I was about to make a note about statistical significance :<
You can't get to debt reduction until you get through deficit reduction...
If you're trying to imply that those 34% must be the wealthy, remember that the vast majority of wealth in America is held by something like 1% of the population, not 34%.
But if publishers actually follow that advice, they will find that people think the context is virtually invariably "old is bad" and watch their content get written off after a release window measured in days or, recently, hours.
But it wasn't sent indiscriminately.
Most politicians families are in said tax bracket. Most of their personal friends are also in that bracket. Arguments about the issues/merits of cronyism and nepotism aside, that is a simple answer as to why they are fighting so hard.

The amazing aspect is the people in the middle class arguing for the oppressive tax system. Perhaps it is American aspirationalism or some misguided belief in trickle-down economics. Either way it is a curiously unique situation.
Are there any hacker houses in israel?
After seeing all the threads about hacker houses in the states, I got an itch to find one around me in tel aviv.

Are there any? Would anyone be interested in starting one? I'm looking for a new apartment for November anyways.
Ah, you mean the algorithm re: factors. Okay, thanks.
#2 is interesting: both the thesis and the antitheses are wrong! There can hardly be an "entrepreneur gene", but at the same time, what makes an entrepreneur is its ability to break rules, and breaking rules can't be taught.

I followed a couple of courses about entrepreneurship in a top B-school - not too many, though - and I am quite sure none of them turned corporate exec, engineers, consultants or lawyers into entrepreneurs if they were not ready for it in the first place.
I doubt that you're a parent. No fault of yours. But here is what happens. Your kid will play the free version and then she will master the free part. You'll see that she enjoys it and you won't hesitate paying for the paid version or the in-app purchase upgrades.

Here is a video of my daughter playing the Racing Penguin - http://www.youtube.com/watch?v=qaF6dPiJ-NM

She went through the free version in a zippy and kept playing it over and over again. I took her iPad, disable Restriction and bought the paid version.
Buck up.

Supporting IE6 is a necessary rite of passage.

Don't wuss out.
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Startup focused on medical communities looking for UI/UX help
We are a San Francisco startup that has been actively developing a service for collecting information for under-served medical conditions, and for developing communities for these patients.

We have a prototype, physicians from Stanford onboard, and have our first VC pitch on Wednesday.

We need a UI/UX/frontend developer, preferably able to customize Joomla (or replace it). We can currently only offer sweat equity, but we are not looking for a full-time developer.

Email: eadonj -at- gmail.com
Didn't know that. What would you suggest as a legit browser stats then?
> we should stop supporting X browser because some kid doesn't know how to support it too?

No, we should look seriously at whether we need to keep doing things the cheap labor can't perform anymore.

Supporting IE6 is a Black Art, and keeping people who can perform Black Arts reliably is expensive. I suppose the traditional comparison is to COBOL codebases and greenscreen IBM development. If thinking about that convinces you IE6 isn't the mainstream anymore, go for it. The point is that increasing the number of different, and I mean really different, browsers your team has to know about is not free, as the cheap labor only knows the relatively tight cluster of post-IE6 graphical browsers. The article's the evidence of that.
Which bank(s) are the best options for a new startup corporate account, and why?
Pros, cons, etc.

Also, how would credit unions and e-commerce sites like PayPal compare?

Edit: For local banks, I'm in Pittsburgh and DC / Northern Virgnia. PNC and Bank of America come to mind.
Heh, no, quite the contrary. I'm at a loss as to why the 34% is as high as it is. My point was that I'm sure the 34% is full of people that make significantly less and yet pay a higher tax rate than those they're idealistically defending (meanwhile enjoying unemployment and having their benefits put at risk due to "compromise" tactics and the in-fighting)
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This.

In other words, the MWI is what QM predicts if you assert that the observer is described by QM. So either we assert that there is some complex "collapse" mechanism which is somehow tied to observation, or we're stuck with MWI. Thus Occam's Razor says that, unless we have evidence for a complex "collapse" mechanism (hint: we don't), we should accept the MWI.

Unfortunately Everett did his work after most physicists had become comfortable with "shut up and calculate". And therefore they did not want to bother thinking about it seriously. Of the people who did think about it, many were wedded to other interpretations, and so were not inclined to accept a weird upstart.

However it is worth noting that a survey of cosmologists some years ago found that over 50% accepted the MWI. When you get away from the philosophical fringe, there is simply no other interpretation of QM whose reasoning is half as compelling as the MWI.
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"breaking rules can't be taught"

Really?
I'd be looking for a new job if my boss handed me this list on my first day.

Here is my attempt at a less bullshity and egotistical version:

* I prefer to work fast, minimize bullshit, and get to the point.

* Share bad news immediately. I might be able to help fix it and I never blame the messenger.

* Take notes at meetings if you need to; I always do. We shouldn't waste time repeating ourselves.

* Go ahead and interrupt me for scheduled meetings, I sometimes stack meetings with one leading into the next.

* Don't assume a weekly meeting is the only time to raise issues; Interrupt me for anything time critical.

* Short e-mails are great for quick conformations and notes on agreed-upon goals.

* For topics too complex for e-mail, I like quick, no-sit, "micro-meetings". Involve only the necessary parties, work through it and make a decission.

* Make your communication consistent and comprehensible to others. This will improve the efficiency of the team.

* Avoid long documents. I like precision and concision. Try to say it on one page (or less).

* If you need to send reports, I have a template I like, please copy the style and format for consistency.

* The most important thing is the best solution, not who's idea it was.

* Always feel free to ask questions, challenge or disagree.

* Likewise, check your ego at the door and be prepared to defend your ideas based on technical merits.

* When possible, provide realistic time lines for projects. I need this for setting expectations with other groups.

* Try to present problems along with possible solutions. Include economic analysis where applicable and your recommendation.
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It's often more important to have a local branch with good service.

PayPal is a sometimes handy as a payment option, but not fun to deal with any more than you have to.
Fantastic idea. I just talked it over with my co-founder and we will definitely be using this service in the future.

Can you discuss a little how you source the focus groups? Are they free volunteers? Folks at a mall? It might be helpful to understand a bit about how web-savvy they might be.
I use spamgourmet for almost all my accounts:
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I get 5 emails by default and I can add more if needed, and if i deem them worthy I would add the site to the allowed senders list, the best thing is I can track who sold my email address pretty easily.
Good question. When I say 'local', I mean the Deming Headlight and the Havre Daily News. You know, all the papers nobody outside a hundred mile radius of the town cares about. The Boston Globe is up there with the LA Times and the Washington Post and so on and so forth, in the national, if not global, ranks.
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What is patently absurd is the assumption that tax havens and loopholes are only for the filthy rich. I make less than $80K, I'm solidly in the "middle class", and my effective federal income tax rate last year was less than 6% after deductions etc. People just don't understand how to set down with a copy of Turbo Tax and ferret out the deductions.
Interesting thread a few days ago: http://news.ycombinator.com/item?id=2798952

Also, newer (GNU?) versions of find support

find -predicates -exec cat '{}' +

to apply multiple matches to a single command invocation, rather than needing xargs.
Grid Frameworks are for the frontend developer who wants to spend as little time as possible dealing with alignment of content.
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MWI has a great deal to say about your life, as the rules that imply MWI are the exact same rules that imply chemistry. MWI is not QM with an added postulate of "Oh, by the way, everything happens." MWI is QM. Period. Decoherence unambiguously happens in the math, and nothing we have ever observed gives any reason to think the math doesn't apply to us.
"Spending cuts now would be worse for the economy than tax increases now"

According to whom? You do realize that these are cuts to government spending, right? How does government get money to spend? It taxes or borrows (taxes in the future). Therefore, a dollar not spent by the government (in a monopolistic, corporatist manner) is a dollar more for the private sector to spend (in a more competitive, efficient manner). If this wasn't true, the government would be the sole provider of all goods and services. Even if the private sector wasn't more efficient in allocating resources, the economy would only be hurt in the long term by that loss of efficiency, not any immediate loss of economic growth, because the spending just shifted from public to private.
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Just a reminder to people: Do not downvote people based on your or their political beliefs.

Downvote worthless comments. Comments that you disagree with are not worthless.

If you agree with the comment vote it up, otherwise leave it alone.
The subtext: "Bad private investor syndicates exploiting math to steal money from poor people. That is the government's job."
I really don't see how knowing someone's real identity would help; I still have 0 way to vet them.

What I care about is that there are repercussions (jail, lawsuit, etc) if they do vandalize my dwelling - so the probability becomes near-zero that something bad will happen.
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The dream of get rich quick I'd put a wager on...
Is this different at all to feedback army? (http://www.feedbackarmy.com/)
Probably he means ITA Software, which was bought by Google last year.
I never thought that they did anything other than hold money in escrow. I would think this is by far the biggest problem with classifieds (by frequency, at least). The social/reputation system adds some trust, but they never even remotely gave the me impression that they were vetting anything.

And what is the problem with that? Some comments seem to be suggestion that - because that evil money thing is involved - they should be required to be in other businesses simultaneously. Perhaps there are things they can do better, but existing system was already quite clear to me (renter; would have to think seriously before hosting).
Also, MWI acceptance is drastically higher among those who entered the field recently enough to not worry about the orthodoxy of Copenhagen.

There are two driving forces in science: the skepticism of grad students and the mortality of professors.
Yeah, it looks like a bit of a cop-out.

You don't need to teach people to break all the rules. That's not what you want. You want people to take calculated risks, and break the rules that need breaking.

You could teach the history of rule-breaking, and explain how why those rules needed to be broken. Teachers could do that pretty well.
It's not clear to me why, if someone has a vastly incorrect notion about the actual state of the world, we should put much stock in their opinion of how the world ought to be.

The best you could hope for is to infer some directionality. If I think the temperature of a room is 15C, and I say I think it ought to be 10C, but the actual temperature is 25C, then one should probably not infer anything beyond that I want the room cooler.
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Yeah, there's no deep data. But assuming it's roughly correct, iterating n quickly can be a very strong strategy. This is part of why the usual "early and often" advice is so effective.
Looking at all of human history, can you see a trend of governments becoming more efficient without money? If you look at the economic history of the last two centuries it is far more likely that a government with less income will just go bust under its weight and default. Government and efficiency is almost an oxymoron. Larger companies generally become less efficient the bigger they become, the same is true for governments.

I would like to know why you are optimistic about the situation and why you think this time will be different than other similar (albeit on a smaller scale) situations in history?
I'm not sure that math is quite so simple. Interest rates for an entity as large as the US government are not decided by ratings.

They are decided by supply and demand.

Since there are no other AAA rated markets as large, people will have no choice but to buy US debt. That demand will keep interest rates low.
Comparing personal budget with US budget is a gross oversimplification.

First, US can (it is already doing via QE) monetarazie all the debt. And one comedian said: US can just start a little bigger war to get us out of the.

Also don't forget that 4/5 of all that "government" spending (that is medicare, SS and defense) is actually just tunneling money to other parts of economy (defense contractors) and poor people.

Also we have disturbing trend which will, I believe, start making differences: the rich are getting richer and poor are getting poorer. If that trend continues, we will see some Trocky wannabes popping around.

What I see happening in the coming years:

1. One more banking crisis: this time it starts from China. They say all depressions have two legs: the second is leg is longer.

2. Thanks for this new banking crisis, we will finally reconstruct the banking sector and make it more efficient. There will be no more 4 banks on each intersection in downtown SF.
Of course grids are relevant to you as a web dev - they are basic graphic design principles. Whether you should use any of the grid "frameworks", is another matter all together.

Once you learn how grids work (ie in the layout of graphics and text elements) - you can make your own grids and not bother with the frameworks or template code, etc.
Keep in mind this is from March 2006. So some of the specific examples are a little dated... The overall intent is still as relevant as ever.
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Paul Krugman.

Edit (my own thoughts):

I'm a fiscal conservative. However, I believe that a problem with your point of view is that, while the private sector might be more efficient with that dollar, the fundamental problem is that it might not spend it (or at least, not all of it).

In tough economic times, companies reduce spending. They try to wait out the storm. On an individual basis, this makes sense. In these times, the government can help balance this out by actively spending money.
Both the original paper (http://papers.ssrn.com/sol3/papers.cfm?abstract_id=933932) and the blog post are from 2006.
This is very interesting, could you provide some links to manufacturers of those motorized desks? Couldn't find any after a quick search on amazon.at
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What would happen in such a case? You sound like you have experience with it. They stay forever?
The analogy still works. Don't let taxes and wars confuse you. Both entities have limits to both the amount of revenue they take in and and the expenditures they make.
All of the reviewers are from http://mturk.amazon.com. My thought process is that because your site is online for ANYONE to access your message must be clear for anyone that looks at it. A big problem that I've had getting feedback is that anyone I get it from is either a friend of mine, or knows a lot about websites. It can be really difficult to reach the "average user" which, I think, is the value of a service like this.
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It's very similar - I actually discovered feedback army right after I built this. I don't that site is being actively developed, but I could be wrong. Our prices are better ;)
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On the off-chance you're not trolling, Square wouldn't be processing all the transactions with a single android phone. The other poster's idea was that individual small-business owner would each have a device.
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The major things to worry about are URL autocomplete on smartphones and Google.
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There are plenty of startups based in SF proper as you mention, instead of the Valley. It certainly varies depending on the type of person you are, but I would think that in general most tech-minded people would prefer SF-proper to Manhattan (though I do love both).
The US spent $687B on Defense spending in 2010 [http://milexdata.sipri.org/], and $502B in 1990 (both numbers in 2009 dollars). China - the next guy down the list - is estimated at $114B. I'm a strong believer in the benefits to society that come from military research, but on a funding basis, don't you think there's some room to decline a bit there?

Having said that, I haven't been in the field or done serious writings and research on military readiness. If the US military is declining as bad as you say over the past twenty years, then isn't a larger question what we're spending all that money on?
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Absolutely agreed. You can't imagine the groans we get from friends and relatives when we ask them to go to a page and give us some feedback. And of course they try and be nice and we don't get very good feedback as a result.

I'm afraid that our actual users also don't give very good feedback either, but for opposite reasons, they're invested in the site and usually all we hear are technical support questions.

Having some objective third parties look over the site has been a problem of ours that I think this solves.