skysight-inc/HackerNews huggingface dataset:
Treating your question as non-rhetorical, you get to play with the money if you work at a bank (most bank have a standard career webpage where you can sign up). But most normal employees don't profit all that much unless they make it to upper management.

As for the shareholders whose money get leveraged, most large banks are public and you're free to buy stocks. If you money in index funds or other diversified stock funds, you likely already have invested substantial amounts.
It's more a matter of continent than style (ie, the former can explain most of the variance).
that's kind of a "Ship of Theseus" debate, really
Peter Principle or perhaps the people have different perceptions of what is good?

Story time.

I wanted to check the IT vending machine a few days ago which involved visiting different floor. My jaw dropped (on the floor) at how different life could be.

I heard laughter, cheers, happiness even, and talk lots of talk. At that point I realised I was not on a dev floor but accounting, HR and so on.

Maybe it was the time, maybe it was just a single time event, but it made an impression on me. The open office environment clearly was working for them.

I made haste to the elevator, the doors closed and the world was silent again. I returned to my little corner where I was at peace. Me, my laptop, and some books.
I can't get myself to care. I've written two novels, and hundreds of thousands of words of articles and internal documents, and I can't for the life of me remember the rules for this, and neither can most other people. For my novels, my editor fixed it, because there are the odd pedant that cares and leave negative reviews of these things are not "right". For everything else I just use hyphens. It does not matter - it is clear from context.
If you store large amounts of money, I would recommend that you have (i) multiple accounts, and (ii) make sure the account-to-account transfer links are set up, and you've tried them, potentially with large sum xfers.

Kindof like making sure you have backups and they work.
Ahh this ninja was just using the proven method on how to acquire a brand/logo from a bankrupt company as most frugal and efficiently as possible when u broke yourself…
YC: We ask for depositors to be made whole
I find it kind of insane to have people walking around with a 100 million bank account for their runway in the best cheese grater.

Call me crazy but I think a company with this much financial holdings would normally have a CFO that buys bonds that vest at the right times, and would have cried a tiny tear at getting less than ideal interest rates on them instead of having a bank collapse with all their finances because it wouldn't be competitive at recruiting more clients with zero financial management going forward.

Perhaps decades of no inflation and low interest expectations have left people confused to the fact that when you have millions you are an investment holding company.
What models exist for translations? The reason I wonder is that a lot of community work has gone into producing high quality translations of Facebook. I have actually submitted a few translations myself. If Meta could release some of those models, it would be very powerful.

Right now I see "google translate" type quality everywhere and it's pretty bad, since there are often sentences you can't translate unless the technology understands the context and meaning.
What kinds of noise do people experience in open plan offices? People in my office may have quiet conversations, but no one is taking phone calls at their desk. If someone did (maybe they are new), I'd tell them to go elsewhere.

Is this a cultural problem rather than a physical one? Or do people need absolute silence to work effectively?
Scientists warn of ‘phosphogeddon’ as critical fertiliser shortages loom
They're both scarce and thus considered "collectibles."
Agreed, it's not something a scientific paper would give any useful insight for.

A survey of company success (measured in profits, or market cap) vs office layout, trying to see if there is correlation would be more useful. Even accounting for the fact that there is a lot of cargo culting, and unhappy employees.
> I need my mise en place.

Ah thank you for the concise distillation of my feeling.
I think accidentally the bot is kind of correct, you are asking to "complete the following questions" and that question seems complete, maybe the bot could have asked for clarification, I've never had that situation yet, would be something like .. "That question seems very well formulated, do you want me to answer it ? or to complete the question? we could complete the question by being more specific about location, for example what happened to the filed of cybernetics in EEUU in the 1970s ?"
Show HN: CLI that prevents you from doing distracting things
Baldur: Whole-Proof Generation and Repair with Large Language Models
Which profession attracts the worst kinds of people?
You don't need to spread it out so each account is < $250k, you need to spread it out enough so you can still make payroll if one fails while you wait for its assets to be sorted out. In most cases for a startup this means two, maybe three if you suspect your two might be correlated; at some point you start buying your own bonds/bills too.
I'll play; if someone forced me to stop using Neovim I'd strongly _consider_ quitting.
You seem to be saying, that bank owners can take big risks and make enough money that it’s worth it to occasionally lose all equity. But if we make sure depositors also lose money from this, you think depositors will be more careful - they’ll demand higher interest or choose banks with a lower risk profile?

I don’t think that is practical at all. Not enough of people are going to be doing their due diligence on bank risk profiles, 20 years later.

Making excessive risk illegal through regulations seems more practical, but maybe your point was also that these failed.
https://en.wikipedia.org/wiki/Deposit_insurance#European_Uni... typically 100k€ per person _and bank_, but e.g. Germany has voluntary mechanisms that protect (cash) assets way beyond that limit:

https://de.wikipedia.org/wiki/Bundesverband_deutscher_Banken provide 5m€ per individual and 50m€ protection for commercial customers

https://de.wikipedia.org/wiki/Sicherungseinrichtung_des_Bund... and https://de.wikipedia.org/wiki/Institutssicherung_der_Sparkas... provide unlimited insurance

You do not need "many options" if the default is already safe. It also means the risk of bank runs is a lot smaller in the first place.
Is there a bank you can pay to have a 1:1 backing? Essentially a vault that can do Wires, ACH, Checking, etc, but for a fee?
Pence Delivers Truth to Power
DFAST is another part of Dodd-Frank, and one part that might have helped catch this issue, I agree - although, I do wonder what potential Federal Reserve interest rates they would have plugged into the calculations…

The 2021
Report https://www.federalreserve.gov/publications/files/2021-dfast... took the baseline scenario to 1.9% in 2024 for 10yr Treasury returns, while the adverse scenario went to 1.5%. Likewise for the previous year: in 2020, baseline took it to 2.7% in 2023 while the adverse scenario went to 2.2%. The 2022 Test variables are quoted at https://www.federalreserve.gov/publications/2022-Stress-Test... saying year 2025 would see 2-1/2 and 1-1/2, for baseline and adverse respectively. For comparison, the actual rate now is close to 4%. So, honestly, I’m not sure if DFAST would have caught it, since this is a full percentage point and a half above the highest values they used in the last three tests. 2019 had 3.6% in baseline for 2022, so maybe it would have, though.

But ignore that, let’s assume DFAST would have clearly highlighted this. If it did, it would be cautioning “you have the potential for significant unrealized losses, make sure you maintain a good position so you can carry those securities to maturity” - which SVB was doing right up until its dwindling liquidity was in reach of a big bank run. The stress test is simply not designed to detect all potential periods where a sudden bank run of significant scale might kill a bank - fundamentally, it’s a capital stress test, not a liquidity stress test.

At best I think we can say DFAST, in some years but not in others, could plausibly have given a moderate to strong indication that more of SVB’s assets would be tied up than usual. From that, you could certainly take a hint and look at liquidity.

But then you have to have enough paranoia to model “The Fed lights a rocket under the interest rate just like they said they wouldn’t” and “our depositors, who all walk around with their burn rates practically tattooed on their foreheads, decide to do a bank run” at the same time to see this coming. And then you have to tell other people this is coming, and grit your teeth listening to them quote the Fed’s forecast that interest rates will stay low. Ultimately they would calculate the cost of your proposal and ask you why they ought to give up that much potential profit to hedge against the chance of these two unlikely events happening together - “that’s like seeing a pair of black swans mating”, they would say to you.

Again, I want to stress I’m not saying Dodd-Frank caused this, I’m not saying Dodd-Frank exemptions for SVB were a good thing, etc. I’m saying that this collapse was mostly out of scope of Dodd-Frank, the parts that were in scope were affected in both directions, and all of this in service of the original point: the article bringing up their exemption lobbying is just airing dirty laundry, not elucidating the cause of the downfall.
I am a CD fan but I find very hard to find a good supplier of them in North America.

I am particularly interested in Jazz from the 50s to early 70s. The best place I know to buy them is Tower Records in Japan.

Anyone with a good reference for a North America supplier?
So that even the dullest of HN users will find them interesting and artistic.
No, it’s not. DINB exists to sell the remaining assets of SVB, it’s not going to take new deposits.
My 13 year old wanted a cd player for christmas, and now she wants a cd burner. She wants to own music, but thinks vinyl is too expensive and snobby
How the Manosphere led us to develop better mental health services for men
It's like a minus sign (-) but for "special" people?
We will see who is liquid after Monday and then Wednesday of next week.
I hope they have good ventilation and air conditioning
Some open plan offices have good acoustics, others are quite literally open warehouses where the noise adds up, even if everyone whispers. And there's always that guy who's always shouting and doesn't respond when you ask them to tone down.

For me (and I suspect, for many), all the movement tends to be way more distracting than the noise - you're constantly seeing things from the corner of your eye. On top of that, the feeling of someone peering over your shoulder makes it hard to focus (even when there's nobody actually doing it)
No, but it allows me access to my money, which is infinitely better.
Vivaldi co-founder: Advertisers 'stole the internet from us'
Writing documentation is easy. Writing documents is hard.

Who are you writing for, what competency, which part of the documentation quadrant, what style...
I'm not sure how long you've been in the industry. But you sound like it is less than maybe 10 years. Before react and such, you were considered a frontend developer when you delivered your javascript + html + css from any backend, though typically it would be served by php, RoR, or, more limitedly, by some python. Backend developers didn't touch html or css and couldn't be bothered to to think about js. The balance between full stack, backend, and frontend teetered on if you we're concerned with pixel alignment and UI things vs data storage, manipulation, and retrieval.

Again, back in the day, you wouldn't call yourself a backend dev if you did anything meaningful with html UI. You would still call yourself frontend even though you had to work through templating in a given backend language.

Source: I've been doing this for a couple of decades.
> Can your mattress run payroll

If your employees will accept an envelope filled with sweaty bills instead of a check or direct deposit, then sure.
I wouldn't take the job in the first place :-D

It's the first letter that's capitalised, BTW. "Emacs", not "eMacs".
Yeah, Solidworks is the only big player that hasn't moved to that model yet (that I know). Makes it incredibly difficult for folks looking to do commercial work (that can't be done on student licenses) and who don't work at large companies.
It's difficult to talk about colonies and intelligence on a collective level. They're a really strange phenomenon.

I mean we see all this marvelous complexity from neurons and humans... How interconnected are we? There's a lot of science fiction and fiction in general that deals with collective consciousness and it's all really cool. One of my favourite topics!
Posting as top-level comment because my original post was downvoted a ton for some reason:

I like https://mercury.com and have been using them for a few years. It's a bank wrapper, but your money is in a real bank (Evolve bank). [0]
I recommend them because:

* $1M FDIC insurance for your cash [1]

* Business banking features I use work great (paying vendors, receiving wires)

[0] https://mercury.com/how-mercury-works

[1] https://mercury.com/security
I truly appreciate your time. But under today's world circumstances If we wanted to stick to the options we had. We would be still punching card for basic tasks. I'm seeking goal-oriented progression. If I want to be honest My question is a little bit more of a root-seeking question. I can not understand The urge for only using javascript in modern day web browsers. (BTW it was cool one starting your lists from 0 :))
Well, finally, the best setup for SICP: Get Chicken, version 5 and up.

Install these SRFI's:

chicken install srfi-203
chicken install srfi-216

Next, at the Chicken csi's prompt:

(import scheme)
(import (srfi 203))
(import (srfi 216))

Info about these SRFI's:

https://wiki.call-cc.org/eggref/5/srfi-203

https://wiki.call-cc.org/eggref/5/srfi-216
For real, I wish I could follow people and then their new posts would come up on my feed.
Dash gives your Mac instant offline access to 200 API documentation sets
> retro-actively

Nope:

> A. A state party to the ICCPR can never derogate the right to life, freedom from torture, or freedom of thought for instance. And, importantly for our current circumstance, a state can’t make retroactive laws in an emergency either. That means anyone who donated to the convoy before the emergency order would not be subject to having their assets frozen.

* https://macleans.ca/politics/ottawa/what-ottawa-can-do-now-u...
Rowing is certainly an elite sport dominated by the socioeconomically well-off. I was simply making the point to the GP that unlike US institutions where rowers (and other athletes) are specifically recruited for their athletic talent, athletic prowess plays literally no role in the admissions process at Oxford and Cambridge. Rowers are not admitted "quietly and unofficially."
> I hope that a change like this would come with a requirement that all FDIC-insured banks become subject to the full set of capital and stress test requirements that the largest banks are subject to.

Please don't think this is good or beneficial
Discogs for long tail jazz CDs.
Yes, I do think that way, but of course it doesn't mean that I don't participate. I just consider it when it comes to choosing these things into my life.

I don't even think that most people need to think about this. It's enough that a few security minded people do, and that they end up pushing for good regulation. Similarly to food safety, we then end up in a system where you can go to most places and expect to not get food poisoning.
Ahhhhh, thanks for that! I'm German speaking, and I must admit I questioned the intellectual capacity of some people I conversed with, due to that. In German there is even a slur for it: "Deppenleerzeichen" (fool's whitespace). Now that clears things up.
My university library had these. Big enough for 2 or 3 people to co-operate, small enough to use solo in quiet times without being a egregious space hog, and translucent acoustic panels that went from about 6 inches from the floor to about 2.5 metres (easy to see occupancy without being a fish-bowl).
Seems a lot of people are recommending large banks. That was one of the "fears" I read somewhere this SCB failure will give these big banks more "power". But, I also saw SVB was the 16th largest bank in the US. So going to a big bank mat not be good.

Me, I would look into local banks and do some hard work "research" and pick one of them. They tend to be more tuned into you community. Maybe a Credit Union ?
Do you have a reference for this? Never heard that particular framing about the narrative voice before. You call it a versatile simplicity, but to me it sounds rather restrictive and specific, to be honest.
I do often wonder whether we should maintain traditional typography when moving to a digital age because punctuation evolves as language does. If we’ve deemed it unnecessary to have seperate symbols for each of the dashes and everyone uses language that way then that’s fine.
We can also ask this question about smart quotes, you’ll notice I’ve been using the U+2019 as the apostrophe here and I could “quote” like this. It's a question of how much ambiguity it causes, how easy it is to input, and how subjectively aesthetically pleasing it is.

My personal opinion for hyphens is:

- Ambiguity: most can be cleared up with spaces, and for examples like 3-8 if it’s numbers we can tell it’s a range from context

- Ease of input: one character is a lot easier to decide between than 3 (or 4 if you include minus), and if there are rules for software to be able to input the correct character every time then the differences in characters become redundant

- Subjective aesthetics: I quite like the consistent compactness of the single hyphen

And for quotes:

- Ambiguity: They show when quotes start and end which is quite nice and we can have nested quotes. But these are things that are not critical to meaning and simply make it easier

- Ease of input: Usually automated but can absolutely tear through code if pasted in the wrong place. If we deem these smart quotes useful enough then they can coexist with typewriter quotes peacefully if we do not run the quote formatting on code blocks (which is where code should be anyway)

- Subjective aesthetics: I do like the look of smart quotes but would be willing to use straight quotes
> None of these banks will accept a risky startup placing assets

They won’t let you deposit money? Why?
https://www.bloomberg.com/news/articles/2023-03-11/jeremy-gr...
What about brokerages like Fidelity, Schwab, Vanguard, etc?

Are holdings in money market funds/accounts in such typical brokerages protected / owned like a security? Or should one regard it also like cash, and not FDIC insured greater than $250,000? (but while also trusting those institutions are unlikely to fail or have risky policies)
I deeply appreciate his work as the founder of the free software movement. Digital goods can be replicated for no cost, and this, combined with the spirit of free software really made for something special.
An athletic scholarship seems both exciting and controversial ... until you calculate the hours that go into it and realize you could literally do better financially flipping burgers. Still, there is a useful and notable je na sais quoi about athletes, and the way they approach life, that is not fully valued by the academic community-- a drive for practicality, achievement, teamwork. Frankly a lot of the demeaning comments in this board are silly.

I turned down Harvard many years ago for not offering athletics scholarships-- I could not reasonably afford school any other way. And, I was laughed at for years by those in the know of the "need based" assistance framework. One thing that made it unaffordable in my case was they wanted a year of prep school on top of high school which definitely is exclusionary. But, if a Bloomberg contributor can fail to see a pathway equivalent to a scholarship for someone who financially cannot attend any other way, I'd say there is something to the author's grievance.
What does “placing assets” mean here?

If I walk in to Citi and say “I have ten million bucks and will need to withdraw them half a million per month” are they really not going to take my deposit?

I get that they might not want to loan me money, but the SVB problem everyone’s worried about is losing their deposits, or do I have that wrong?
> since by definition an addiction is meant to be a significant impediment to living a normal life.

Wrong.

The definition of addiction is "physically and mentally dependent on a particular substance." (Oxford Dictionary)

I am addicted to coffee. I get mild physical withdrawal symptoms if I quit. In no way is it an impediment to living my normal life.
If you stay away from metaprogramming in your own code Rubymine brings a lot to the table:
Go to definition (all the way down to any source code in gems)
Usages
Refactoring (renaming methods, classes and filenames)
Integrated debugger
It even infers types now
Brings nice documentation for methods if you use RBS and/or Yard

I think this goes as long as it can be taking into consideration that Ruby is dynamically types and has a lot of support for meta programming.
Money market funds are securities, and are covered by SIPC.
> we owe all progress to the unreasonable men and women who are too arrogant to do anything but poke and prod at life on their own terms.

You mean the men and women who insisted on open office for everyone but themselves ?
You can't regulate away bad incentives which come from the privileges that other regulations grant.

We're only in this mess because banks have excessive privileges. These privileges lead to misaligned incentives. No amount of regulation can realign the incentives back. Only revoking their privileges.

Their privileges include being the only entities able to deal with the Fed and hold deposits .

Let people bank directly at the Fed. Or with crypto. But banks don't deserve a special privilege of being the only way people can hold money.

Furthermore, loans should not be transferable.

Now banks will actually have to price loans correctly. And putting your money in a bank would be a choice they will have to tempt you with, by actually giving real interest rates. And you won't have misaligned incentives, because there is no captive audience.

Giving your money to the bank would be a risk you're doing willingly. A risk they will pay you for taking instead of robbing from you by their regulatory privileges.
I love Mercury. Their interface is dream, a world apart from TD, Chase, BofA etc. Merucry is online-only so nothing requires a branch, ever. Wires are free and take 1 min to initiate. I don't have more than $1M in the bank but if I wanted FDIC insurance or a large institution guarantee I'd just put the excess somewhere and do 1-2 transfers a year between them.
Yeah and none of that will be workable if we find out there’s some sort of occluding mechanism or distortion surrounding the solar system.
Like saying you will find water because you took a picture of a mirage.
> trying to write a natural language parser.

I assume we're done doing that, that task is finished ;)
Money market funds are not guaranteed. Google “broke the buck.”
This is a weird mathematical fundamentalism that I haven’t experienced in a while. Actually since I went to study philosophy with analytic philosophers.
I think it is insane to think that JPMC will go insolvent, or will be allowed to
A good resource for those of us who like TeX and LaTeX: https://www.read.seas.harvard.edu/~kohler/latex.html