skysight-inc/HackerNews huggingface dataset:
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And it's back:

Household saving has whipsawed over the past three years. The adjusted saving ratio peaked during the pandemic at 24.4 per cent – the highest on record. Saving has declined since but remains above its pre-pandemic level.

Saving behaviour has direct implications for household wealth holdings, but the fluctuations in interest rates have had a more profound impact: the pandemic saw interest rates hit record lows and asset prices boom which pushed the value of wealth to a peak of 840 per cent of GDP in early 2021.

The cost of living crisis, coupled with the monetary policy response, has put an end to the trend of rising wealth. Our estimates suggest that the wealth-to-GDP ratio fell to around 650 per cent by early 2023. This is by far the biggest fall on record as a proportion of GDP, wiping out £2.1 trillion of household net worth in cash terms.

A higher-rates world and an ultra-low rates world represent starkly different societies to live in. If the rise in long-term interest rates persists, would could see household wealth settling at around 550 per cent of GDP, a level last seen in 2007. But, if downward pressure on long-term interest rates resumes, this could see wealth settling at around ten-times GDP.

The future path of long-term interest rates matters hugely in the context of intergenerational inequality. Higher rates of return make it significantly easier to save for retirement. Pre-pandemic, a 40-year-old with median earnings needed to save approximately 16 per cent of their gross income (just over £5,000 a year) to reach a retirement target replacement rate of two-thirds of gross earnings. However, with current rates of return, the required contribution rate for the same goal is much lower at 9 per cent (£3,000 per year).

A higher-rates world would also improve housing affordability, helping young, would-be homeowners. Based on current interest rates, the house-price-to-earnings ratio could fall to around 5.6 – the lowest level seen since 2000. But if ultra-low rates return, there would be further upward pressure on house prices, with our modelling suggesting that they could reach 11 times earnings.
Seeing the discussion on the submission "TODO apps are meant for robots" [0], I was reminded of this post that came out recently and wanted to share in a similar spirit.

[0]: https://news.ycombinator.com/item?id=36745858
That's what the article body is for. The title is ambiguous, not wrong.
Ah right, that probably makes more sense. I just noticed they keep messing up HTTPS, but both of those would do that.
Yep, that's right: https://docs.podman.io/en/latest/markdown/podman-generate-sy...
> The fact that C can do this is an example of how it's not limited.

No, C is limited because it's mutually exclusive: either encapsulation, or zero overhead by-value passing. Other languages, like C++ or Rust, allow both at the same time.
"Flipper zero can cycle an IO pin at 14Hz. Some traffic lights have sensors that detect IR flickering at 14Hz."
LOGO can be hardcore. If you don't believe me check the Turtle Geometry book by Abelson (same Abelson that co-authored SICP). Not long ago I read Mindstorms (children, computer and powerful ideas) by Papert. Highly recommended read to anyone interested to know a bit more about LOGO, its creator and education.

Such a pity that today we don't see LOGO in elementary and high schools. I remember having used it quite a lot when I was a kid. The LOGO that I used at home was one that had a demo of a "dancing chair", you would see a chair appear and disappear in a rotating fashion around a circle, but I can't recall its name nor find it online when I searched for it.
I don't know what interest rates have to do with the distribution of wealth (between you and someone else), since they only effect the pricing of future cash flows today between you and your future self.

With higher rates the average home buyer will simply give less money to the former owner of a property and more to the bank over their lifetime. It will make no difference to overall affordability.

And before anyone harps on about saving for a down payment... consider that we're in the middle of a rental affordability crisis also, with rents rising 10%/yr... Why?

Well, wealthy property investors just shrug off the lack of capital growth going forward and jack up rents to maintain their total returns. Who can blame them?

If i'm a landlord I'm not going to settle for 3-4% rental yields (common in recent years in the South East and London) when I can earn that on risk-free government bonds in a much more tax advantaged way (there is no cap gains tax on them)

Furthermore the truly eye-watteringly wealthy will just buy property at a discount should the nominal price crash actually happen, take advantage of rising yields, and then wait for the next credit cycle to lever up again.

Let's not even get in to the National Debt which will put upward pressure on taxation over the next decade if rates remain high, and the frozen tax thresholds dragging tax payers in to paying more as inflation stays high.

The sad reality in the UK is real inflation adjusted earnings have been flat for decades. My entire adult working life in fact.

Those who think house prices are the problem need to consider that the median house price, adjusted for CPI, is actually the same as in 2007, before the GFC, when rates were also 5% or so...

The variable that changed (or rather didn't change) is salaries

The narrative needs to move to productivity and wages, because the UK is steadily becoming a poorer nation
Now do .com, .org, and .net, which are all part of US.
The mnemonic bindings I get from my config are an integral part of my workflow and super easy to add/update/change. But the primary reason for using Neovim is I don't have to leave the terminal. I switched entirely to the CLI a few years ago and I am more productive here.

If I wanted an IDE, I'd switch to the terminal version of Emacs.
Still, IMO it can only be done in an hour if you've done it already... You need more time than that for finding the plugin candidates, evaluating them, installing the right plugins, then you need a test run where you lookup the key bindings, on vim it's not as easy to discover features as in a "GUI" IDE.
Can we get this banned in more countries?

Is there any real evidence that personalized advertising is more effective than context based? I know from first hand experience how it can be a nuisance.

I use Brave as my primary browser for it's ad blocking and anti-tracking features.

I use default Firefox for the limited cases where ads might be desirable or necessary.

6 months ago, I used Firefox to research autos before finally making a purchase. To this day, I still receive auto related ads whenever I use Firefox. Lots of businesses are wasting money to push these ads toward me now based on nothing more than my personal history.
That looks awesome.

Out here in the prairie state, we could use something like that at half the size or even smaller. A lot of native plant restoration and invasive species management involves burning, and a lot of the areas are small lots interspersed with housing developments. In fact, a lot of people dedicate portions of their yard to prairie grasses instead of regular grass. And especially on private property, people just set things on fire all by themselves in the springtime.

A relatively cheap service that brings in one of these things would probably be a lot better.
It’s not as different as you might think. There has been a movement of anthropologists to call homo sapien alternatively homo economicus. Our ability to accumulate and share resources, which allowed us to build and trade, has deep roots in evolutionary psychology and sociology, and as these anthropologists argue, is perhaps the thing that most poignantly makes us uniquely human.
I would be so happy if can go back to a world where advertising happens purely based on the content like we've had for ages in TV/radio/magazines. The amount of privacy we've globally lost just for a few advertising dollars is atrocious.

I've never been convinced that it even adds that much value for advertisers, but they must think otherwise and I guess the sheer amount of money and effort that is put into targeted advertising shows otherwise.
You can't opt out of certain surveillance, even by never touching the surveilling entity. But regulation can curb these practices, like how GDPR did.

https://en.wikipedia.org/wiki/Shadow_profile
The boss is probably already CC'd
this may pain you to hear this, but that game came out 16 years ago
Pacific Northwest lunacy is a tradition: "Welcome to The Church of Tina Chopp" https://tinachopp.church/menu.html

I used to see graffiti proclaiming "TINA CHOPP IS GOD" all over Bellingham, WA in the early 1980s (and it later spread to Seattle).

Still with us...
google has SEO'ed the internet to death a long time ago
Exploring Emoji Prompts in Midjourney
Meh,I dont see any problems here.

For me, Mozilla is a big company not an open source project. As such it needs to take security seriously.

Let's think about the "harm innovation" bit for a moment. If you take money for your work, it is a commercial enterprise and as such you need to ensure it is secure. Even if abandoning it to work on a new shiny project may be more fun.
I was lucky enough to have private healthcare paid for me, and I the only bureaucracy I experienced was having to go to the NHS G.P. first to get a "referral". Basically this is a(n NHS side) tick-boxing exercise where you have to be "referred" to a private doctor before you're allowed to see them, even if you pay.

In practice what happens is you go to your G.P. and literally say; "can you write a referral so I can go and see my private doctor", and they do so on the spot without batting an eyelid.

> on top of destroying people financially?

I'm not sure where that's coming from either? Mine was paid for, but it wasn't exactly extortionate. I could have afforded it myself at the time.

I don't understand why it's such an emotionally charged issue for some people. If it's a poor/class thing, does it help that I grew up in a piss poor council estate, and thank god I don't have to rely on the NHS ever again.
I just use the scroll wheel / touch pad, especially the one on Apple's mouse is really intutive. But I also try to not have my files get too large, or use the search function to quickly scroll to somewhere I know.
I am yet to see a system that uses namespaces 100% correctly, especially larger systems. XMPP is closest but they still have the stream tag defined as carrying a namespace, but as being the "same" stream tag without specifying it to be so, last I recall.

The annoying thing is namespaces are not that complicated. They're probably five times more complicated than they need to be because you're always dealing with some library or system's half-assed bizarre implementation of them instead of the rather simple spec.
WTF at it being so difficult to authentication with canva application
Why do companies make development marketplaces, but make it next to impossible to actually build code for them...
Love's Labour's Lost
I get that inflation needed to be reeled in, but these higher interest rates seem to really be hurting the lowest income households.

Come to think of it, just about everything seems to hurt the lowest income households. It’s truly a damned if you do, damned if you don’t scenario.
Just a note: your blog seems to be stuck in 2022.
Date of post is 17 July 2022
If this is true, I'm looking forward to seeing how all the people who made grandiose statements about that paper now quietly scrub them.

LinkedIn and Twitter influencers, I'm looking at you in particular.

If it's not true, I guess I'll be the one looking stupid—I only skimmed the article.
Found this new glossary for data engineering.

Some terms explained extensively:

- Fan-Out: dagster.io/glossary/fan-out
- Partition: dagster.io/glossary/partition
- Wrangle: dagster.io/glossary/wrangle

There is also:

- Data Glossary Airbyte: glossary.airbyte.com
- Data Engineering Wiki by Reddit: dataengineering.wiki
- Seconda Glossary: secoda.co/glossary
- Glossary Databricks: databricks.com/glossary
- Airtable Glossary: airtable.com/shrGh8BqZbkfkbrfk/tbluZ3ayLHC3CKsDb

And I'm collecting an updated list here (in case of interest): https://www.ssp.sh/brain/data-engineering-glossaries/
It's the word "us," not an abbreviation.
Why do I need to go to the mall? Because there is no retail zoning closer to my home.
> I know why they were required

Have you ever seen tag name clashing in a XML document?
Central bank's interest rate rises affect the richest and poorest families
Don't existing templates get 90% of people 90% of the way there?
You can also send email from your terminal using a traditional mail agent like mutt, which also installs via homebrew, but doesn’t require a proprietary API key to send email. Mutt will happily send email as your Gmail user. Mutt can also read email, so if you really live in the terminal it can do it all.

https://www.makeuseof.com/install-configure-mutt-with-gmail-...
The average home buyer isn't a first time buyer. If they bought in the last 10 years they will have bought in a high prices, low interest rate world, and now are entering a high interest rate world with their high price already signed up for.
The words are also confusing and too much latin.

Encapsulation - Hidden

Inheritance - Same fields in beginning

Polymorphism - Tagged struct
There really isn't such a thing though for many topics as a universal factual info database. For many, e.g. historical, topics different books have different areas of focus and interpret events differently. Encyclopedias do to a certain degree (and historical "truth" may shift over time) but, in general, they're not the place to hash out the "right" interpretation of events.
Firefighter salaries in most countries are an absolute joke. It's a job that doubles your cancer risk and requires you to do shift work which is known to be damaging to your health, not to mention you're putting your life on the line anytime you step into a burning building to try and rescue someone. Plus they'll often be doing first aid if they're the first on the scene. Just pay them the fucking respectable wage they deserve. Really winds me up the way governments treat them.
More money going to a normal person selling a house rather than a bank seems like it would directly related to income inequality.

The issue being that we are getting to a point where a lot of homes are owned by banks so they get their money either way.
And according to a sibling link, 59% have some money in stocks. How many public sector workers for instance who have pensions or retirees who have dividend paying stocks like J and J do you think are cheering for those “evil capitalists pigs” to go bankrupt?
what's wrong with mutt? ;-)
This needs more attention, really crazy
The average business has no idea how to install a blocker like that.

The military should move to domain that is safer from typosquatting, by controlling a bunch of related TLDs.

Or continue not caring about spying on random unclassified information.
It’s a complete mystery to me why they didn’t implement allowing the keyboard to state its layout when they transitioned to USB.
> The way you put it, it sounds like some random architect somewhere looked at Linear B, worked hard on their own, and came up with the answer. That's not even remotely true.

But that's true of everything. Newton didn't invent calculus ( neither did leibniz either ). He didn't even understand the idea of a limit. It took contributions of many people over many decades and even centuries to develop the discipline of calculus. Not to mention his ideas came from ancient greeks, et al. The same applies to Einstein and of course the most overrated and misrepresented Turing.

The idea of a lone genius or a singular great man who works by himself to produce something great is a lie. Brady didn't win 7 superbowls by himself, Jobs didn't create the iPhone by himself and Musk really didn't create anything by himself. It's just PR which creates heros out of mere mortals.
For what percentage of people in rural or suburban America do you think "move to the Netherlands" is a realistic suggestion?
Do you store people's queries and/or the responses?
If those emails weren't encrypted, they weren't secret.
Right not you cannot go on vacation without having all your info on a government DB shared with 100 other governments. In future the same will be true but instead of a paper receipt you will get one on an app. That is all that is changing.

And you can still do all this with your paper work. It will just take longer, and be more expensive and if you lose it you're screwed.
I don't see those as contradictions; it's a common idea to write things down so that you can get them out of your head and stop thinking about them, stop stressing about remembering all the things you have to do today; that can be the 'calm' and 'mental clarity' Todoist is advertising. Become focused, organized, plan your day, manage your projects are basic offerings of any organizing tools. It's also an idea[1] that writing down your goals crystallises them and helps you actually do them.

Note that they don't say "Todoist helps you do more than you could without it", or "Things will tell you what to accomplish in life" or "Things can get there for you" or "Todoist helps reach calm by forcing you to do less overall". It's possible to 'reach mental clarity' by dropping all your todos on the floor and going to live as a monk; mental clarity doesn't mean "do everything you want to do".

It would be different if they were advertising something like "By using Todoist you will do 150 todo items per day, 50% more than other todo lists, or your money back", or "Things lets you double the amount of things you can accomplish in life".

> "If some app offered to help you organize your books and the end result was people ending up with tons of books, yeah you can kinda blame the app."

You can't; if you have a huge pile of books, and then you start using the Dewey Decimal System to organize them, is it now the Dewey Decimal system's fault that you bought so many books before you started using it? Is it the DDS' fault if you decide that you can have more books, now they're organized, even though you already knew you had too many to read before starting to use it and you misthought the problem was organization rather than quantity?

[1] https://www.forbes.com/sites/markmurphy/2018/04/15/neuroscie...
I know what a fax is, but I was missing the header context. Thank you.
I see. Where does authentication and authorization happen?
The extra money to the bank will go to the shareholders of that bank. Wealth will move from home owners to bank owners.
Probably disappointing to the authors but an excellent rebuttal.

This is the sort of mistake that's awfully easy to make in ML. The unfortunate thing about the field is that subtle methodological errors often cause subtle failures rather than catastrophic failures as we're used to in many other branches of engineering or science. You can easily make a system slightly worse or slightly better by contaminating your training set with bad data or accidentally leaking some information about your target and the ML system will take it in stride (but with slightly contaminated results).

This result makes sense to me because as much as I would like it to be true, applying existing compression algorithms to ML feels like too much of a "free lunch". If there was any special magic happening in compression algorithms we'd use compression algorithms as encoders instead of using transformers as compressors.
> Is there any real evidence that personalized advertising is more effective than context based? I know from first hand experience how it can be a nuisance.

I'd love for someone who works in the advertising industry to reply to this, but speaking as a layperson: if it didn't work, they wouldn't use it. Basic rule of capitalism and min / maxing. The difference has got to be statistically significant, else it wouldn't be a multi-billion industry. Mind you, it may also have been really good marketing.
What AT&T and Verizon knew about toxic lead cables for decades
Really happy to see this: KNN + classification task + doing classification that's based on pure text similarity is a recipe for stacked results.

Schaudenfreude responses to this paper misunderstand that the natural language stuff is crucially important for embeddings: sure, phrases that share words will classify well and GZIP well, so GZIP can be used as ersatz classification.

The miracle of BERT / embeddings is _not_ having to share words: for instance, "what is my safe passcode?" has a strong match with "my lockbox pin is 1234",
but not "my jewelry is stored safely in the safe".

This is also an important thing to consider with LLMs: people are using embeddings intended to do text similarity, whereas you want to use an SBERT model: that is trained to correlate a question to a document that will answer it.

https://www.sbert.net/ for the full rabbit hole.

Previously: Should you use OpenAI's embeddings? Probably not, and here's why. https://iamnotarobot.substack.com/p/should-you-use-openais-e....

HN discussion: https://news.ycombinator.com/item?id=35377935
Warning: Do not read this translation!

OK, that may be a bit harsh. But the danger is that a translation that is out-of-date or badly done will turn you off the book. Many classic books whose translations are now beyond copyright are available for free. But these translations are, generally speaking, poor. To really appreciate these books, find a translation that is up-to-date and that suits your reading style.
What else can be done? Universal lot sharing agreements, shared parking, and annulling reserved parking stipulations.

Especially the later is a structural factor in the oversupply of parking. It's the parking equivalent of circuit-switching networks - which naturally results in the oversupply of circuits. Mutatis mutandis for all things parking.

If one is to admit that these played a role in the oversupply of parking, then it's imperative to annul them to make progress towards right-sizing parking supply.
> I've never been convinced that it even adds that much value for advertisers

It does, particularly for small businesses. I own a small ecommerce company, and there's just no way I could profitably advertise in the way you're describing. Current digital advertising is far superior on multiple levels:
- Scale: I started with a few bucks a day and can run very small tests. Neither possible with the kind of ads you're describing.
- Targeting: The current digital advertising is simply much better at targeting, which means my returns are much higher because a much higher percent of people who click on it convert. As a point of comparison, I've done newsletters (and very targeted ones - I run a dog treat company, so there are some good magazines/newsletters for my audience) and they're much worse than Meta ads.
- Feedback: At this point, I just won't do anything if I can't track the results. If you're investing in TV/radio/magazines, you're just guessing what works and burning a bunch of money on the stuff that doesn't.
this isn't how I've heard it used
The production of art demonstrably does not require a self.

The production of art that people want to experience probably requires a self, but may only require the belief that a self was involved.

The experience of art requires a self, as do all experiences.
I agree. The paper is really interesting, but the title not so much :)
> Come to think of it, just about everything seems to hurt the lowest income households

Not really. In most European countries including the UK, tax rates are lower and social benefits are higher for those households.

Even VAT has lower rates for essential items like food (which comprise a higher percentage of expenses for those households compared to higher income ones).