skysight-inc/HackerNews huggingface dataset:
"Of course all that tells you is that it's stupid to pay 2% management fees if you can get the same return with lower management fees."

It is a bit more nuanced than that, basically it's saying you don't have any control over what sort of fee structure your 401k has in place, and goes on to suggest that banks abuse that lack of control. So yes, if you can, you need to reduce your management fees.
Truly a treasure for the world, the Portrait is stunning! thanks for sharing.
More Than 100 Million Worldwide Dream of a Life in the U.S.
Is the ability to hammer the POST interface really much worse than the ability to send lots of mails to a jobs@company.com alias? Sure, maybe people's email configurations are better equipped to deal with spam, but you can send email in a script, too.
Go doesn't "force" you to use one method of concurrency.

It has more than one (you can do erlang-style share-nothing style or Java/C++ style of using mutexes to protect shared state from concurrent access).

I know nothing about Closure so it's possible it has more features but it's not necessarily a good thing. Is the complexity of 4 different solutions worth it? (by "it" I mean: a programmer has to learn all of them and when to use what; the implementor has to implement them; write wrappers for all standard data structures (what about third party libraries?) etc.).

Feature bloat has a cost.

Go gives you all you need to easily write concurrent programs and it does it with refreshingly simple design (both for people to learn and to implement).
When I imagined open immigration I imagined uneducated refugees from the USA clogging up the Australian and Canadian health and welfare systems. The horror..
I disagree. Were it to become a problem, it would be trivial to deal with an application flood.

Among many options, provide a unique 'application key' on the instructions page which expires after first use. If you're really concerned, or it becomes a problem, just add a Captcha-like requirement to get your application key.

Besides, as asveikau points out, the risk is no different than any other application acceptance system. Take applications by mail? Fine, I'll buy a roll of stamps and make a few stops to the post office.
Go schedules its own 'threads' (goroutines) to run on one or many (OS) threads.

In this case, threads refer to not-a-process units of execution in an operating system. For whatever its worth, Wikipedia defines threads as:

the smallest sequence of programmed instructions that
can be managed independently by an operating system
scheduler.

I think that's also the commonly accepted definition: that threads are related to the OS scheduler.
Who doesn't have the option to invest in low fee funds? That's really your employers fault.
What is Social Master Data Management?
Unless Quebec successfully separates, its citizens and governors are subject to the Charter. Endorsement or not.
"Of course all that tells you is that it's stupid to pay 2% management fees if you can get the same return with lower management fees."

Even if I have to pay 2% to the management company, I'm still coming out ahead by putting money into my 401(k) because:

1. I can't put nearly as much money into a tax-deferred account on my own (the yearly limits on IRAs are much lower than on 401(k)s).

2. My employer doesn't match a percentage of my contribution if I invest the money on my own.
This happens to me, and I wouldn't call my name common (the email that this happens to is <nickname>@gmail.com, not my <firstname>.<lastname> one though).

It does make for fun responses... I was invited to a bachelor party in Las Vegas, which I sadly had to decline on account of being halfway around the world.
Hello! ;)

OK, that makes sense. Yah, it sounded like that to me too, but LMDB's Append mode is only usable when all the input is already in sorted order. Great for bulk loads of prepared data, not much help with randomly arriving input.
Yes, I could have been a lot clearer about that, and will clarify the text in the morning, this was my first attempt at a publically available API, and now you mention it the documentation could have been far better.

As people have picked up I meant a hash table serialised as JSON.
No, you're confused. Nobody is saying they are being pedantic. Everyone is saying the opposite - they are being sloppy and non-technical with their terms.
I'm using the part of speech tagger from Python's NLTK to find the adjectives (http://nltk.org/). Sometimes it selects phrases instead of individual words, I'm not using any extra rules to do this.

I've left the phrases in because I think they're interesting and informative. Do you agree, or do you find them distracting?

Not sure about your side note!
Too bad no application in the world implements it.

Oh, and "implement as MS product X" isnt actually a specification.

We often complain when source code is the only real spec. But unless you are an MS employee, "implement as MS product X" comes down to reverse engineering. We dont even get the source code.

Also, if you remember back in the day .. How they even got this status .. MS was considered to be bribing institutions and blackmailing partners.

The downside of self regulation, is that messing with related institutions isnt actually illegal.
What Theme is this?
Which is more annoying: my startup idea or HIMYM's Ted Mosby?
Sadly, you can only roll it over during a 'qualifying event' which is either you leave the company, the company drops the 401k, or reach the minimum age for disbursement. The most common case is people leaving the company.

I've known too many people who change jobs and just leave the 401k they had in their previous job with the company that is still managing the 401k for the old company. There can be (and often are) different rules for former employees that can be (and sometimes are) much more advantageous to the bank. When I left Sun the 401k moved all of the funds into a 'guaranteed interest' fund (aka a bond fund) with a 3% management fee. It was pretty egregious.
You can roll over a 401(k) into an IRA only after you leave your current employer. The company where you open your IRA account should be able to provide you with the proper forms.
Yeah, I've focused my attention more on the code than the docs, which is pretty typical for me. But frankly I think the doxygen stuff is already very illuminating.

For secondary indexing, you should take a look at what slapd back-mdb does. I know that BDB supported 2ndary as a built in feature but we never used it because it was too slow. What we're doing now is already quite fast.
No, just MySQL.
"in the long run, your typical investor is going to get the same return with active management with 2% fees as he does with an index fund at 0.1% fees."

This point is extremely contentious. Particularly in the long run, there is a lot of data to show that actively managed funds do not beat market indexes. With fees, they come out considerably behind.
I'm sorry that you've had such bad experiences with startup founders. I've worked at a startup and founded one. When I was an employee, I knew I was trading money and a brand name company for experience, learning and opportunity. And it was totally worth it.

When I became a founder, I made sure to explain to our team that our chances of success were very low but that if we succeeded, we would have a tremendous positive impact on the world. They would get paid close to market rates and have reasonable equity in the company (much much higher than .02%) but that they shouldn't expect to get rich from the equity.

This post is specifically for pitching investors. I have tremendous respect for bootstrapped companies and I see venture backed companies as a different beast: high risk high reward. Most fail - that's just the way it goes. But some do succeed. And succeed in a big way. And if you are trying to get venture capital, you need to help the investor see the full potential (which may not be realized) of your company.
Indeed. On the other hand, John Bogle / Vanguard does offer very good products, so it isn't that bad that he is willing to puff out his chest a bit on this issue.

The important bit here is to look at the fees that you are paying with your 401k plan, and make sure they are acceptable.
And these days, .1% is even a bit high for an index fund. I think Vanguard recently lowered total stock fund to .05%
Smith: Take an account with a $100,000 balance and reduce it by 2 percent a year. At the end of 50 years, that 2 percent annual charge would subtract $63,000 from your account, a loss of 63 percent, leaving you with just a little over $36,000.

Is this math right? It doesn't seem like this is how the calculation would be done.
Agreed. As someone who uses Terminus I opened the link and said "What?! That's not what Terminus looks like!"
Given the overwhelming incarceration of the US populace (beyond any other country), we could imagine that most prisoners are probably innocent, by the standards of more civilized societies.
JPMorgan Accounts For 99.3% Of The COMEX Gold Sales In The Last Three Months
What if the JS implementation in my system uses a tree rather than a hash table to implement an associative array. Is it then still a 'hash'?
agree 100%, and that mitigates 'dip 2' as it were, but few rank and file employees get to tell the bank managing the company's 401K which funds to use, they also don't get to negotiate the fees that the managing bank is charging either.
Except for those companies where you must have a 401K in order to collect a company matching contribution, in which case you are net ahead by keeping it in the 401K rather than forgoing the match
But isn't eliminating preventative care like shooting yourself in the foot? Or cutting off your nose to spite your face? My parents are in their 60's and definitely complain about the "system" and the entitlements people feel they deserve. But I feel certain that if they were shown the numbers, which showed that giving "free" preventative care at a cost to taxpayers of $x, but would prevent emergency care at $x * 10, they would agree that the preventative approach is better. But as you say, this is a hard sell politically.

All this reminds me of the famous quote from Jerry Maguire: "Show me the money!" Is there anything wrong with pandering to people's base desires, namely "If the government spends less money, we can lower my taxes without implications"?
The comment you quote moves too easily from the scientific method to scientists. Yes, scientists are human, and some of them are flawed, valuing adulation more than anything. The scientific method seems to be pretty good at flushing these people out, judging from the steady stream of stories about fraud in science.

To complete the analogy about the awe attached to some science popularizers, the Catholic Church doesn't seem quite as good at self-correction. I can't think of another human institution that is.
How exactly was the retail model crummy to artists? The conventional wisdom seems to be that the model was crummy because artists barely, if ever, recouped royalties. But that was often because their advances were calibrated to prevent that from happening --- which is again how the publishing business model works.

The thing the retail model seems to have done is provide predictable income streams to artists. What seems to be looming after the retail model, between streaming services and Kickstarter, is a model that provide patchy and unpredictable incomes to well-known artists and a hobbyist position for virtually everyone else.
Now, in the long run, your typical investor is going to get the same return with active management with 2% fees as he does with an index fund at 0.1% fees.

How? Are you claiming that active management actually works?

You might be able to beat an index fund with active management, but you also might lose big. It's an illusion. Without foresight, you're just as likely to have chosen Warren Buffet as Bernie Madoff to manage your money :)
The recruiter may be representing a "stable" of clients (programmers) looking for jobs. The recruiter would want to talk to the hiring manager to sell them on (any of) their clients (shotgun approach), without figuring out which resumes might actually be a good fit.

Alternatively, the recruiter might want more details from the hiring manager about the open position, so they could hunt for applicants to bring back to the hiring manager.
This is a bit off-topic, but Kerbal Space Program is the best piece of software I've seen in the past 10 years, hands down. I've been playing it for the past few months and I'm absolutely hooked; it's Lego for space -- how can you go wrong?
As you say, rights issues would probably stop something like this, and I have a few stories that show two sides of the rights issues.

1) Back in 1998, the company hosting my website received a cease and desist letter from a company that held the "Welcome Wagon(TM)" trademark because of a page I had on my website. That prompted me to get my own domain and move the content over (and I was able to get proper redirects installed on the company webserver). I was happy (I had my own domain, a ".org" and apparently, that was enough to keep the lawyers at bay). The hosting company was happy (they didn't have to deal with the cease and desist letter) and the trademark holding company was happy (they protected their trademark like they're legally required to). I'm sure that the trademark company would be upset if their trademark was still "in use" at [redacted].com (the hosting company, long gone by now).

2) I hosted a friend's blog on my server. A few months later he asked me to take the blog down, for both personal and possibly legal reasons (he was afraid of litigation from his employer, who had a known history of suing employees, but that's not my story to tell). I'm sure he would be upset (and potentially a lot poorer) had his content remained online for all to see.

3) I've received two requests to remove information on my blog. The first time (http://boston.conman.org/2001/08/22.2) someone didn't quite grasp the concept that domain name registration information is public, but I didn't feel like fighting someone who's grasp of English wasn't that great to begin with, and removed the information. The second time (http://boston.conman.org/2001/11/30.1) was due to a mistake, so I blacked out identifying information. I didn't want to remove the page, because, you know, cool URLs don't change (http://www.w3.org/Provider/Style/URI.html); yet the incident was a mistake. There's no real point in seeing the non-redacted version, nor do I really want people to see the non-redacted version.

There are a ton of corner-cases like these to contend with. Just one reason why Ted Nelson's version of hypertext never got off the ground.
Nice list, glad to see Construct 2 on there :)
Gallery: Apple Pop-Up museum and Vintage Computer Festival Southwest
I'm pretty sure that was just an easy description for the tutorial. It always sized to fit the window's contents, but that takes too many words to describe for the context.
So... why not buy a Vanguard index fund, which is currently charging 0.07% for a management fee?

The difference between a 2% management fee and a 0.05% management fee from Vanguard's Total Stock Market Index... or 0.09% fee from SPY ETFs (+$7/trade from your typical broker).

Run the math, if you are paying 2% fees, you are getting straight up robbed. If your employer doesn't offer low-fee index funds, it would be worth your while to make sure that they get some onto your 401k portfolio.
We put this in place to automate the screening of applicants after our first round of advertising yielded a glut of people who could barely write code, and no one who was actually worth taking past a phone screen.

Since then we've been receiving applications of a far higher calibre, and many applicants who went onto a full interview after phone screening. We definitely receive fewer applicants, but that's a trade off we're willing to make.
Corrected. I meant you'll get the same return before paying management fees.
So I ran this program:

p = 100000
w = 0
for i in range(50):
p = p * 1.07
w = w * 1.07
w = w + (p * 0.02)
p = 0.98 * p

print "Year: " + str(i+1)
print "\t You: {:.2f}".format(p)
print "\tWall St.: {:.2f}".format(w)

And what is remarkable is that around year 35, wall street starts making more money than you do even though you're the one putting the money into it (assuming wall street is earning the same interest you are. If you account for (reasonable) salaries and overhead, It changes the numbers quite a bit.)
I've not. A Spotify would be a nice feature.

Would you use an API?
Ask HN: Any iOS devs in LA wanna join our startup
We are looking for iOS and Full Stack devs to come join Wash.io in sunny Santa Monica, CA. Perks include unlimited free laundry and drycleaning.... Please contact us here or at info[@]washioapp.com
For people on smartphones, here is what tehwebguy wrote:

--

Smith: Take an account with a $100,000 balance and reduce it by 2 percent a year. At the end of 50 years, that 2 percent annual charge would subtract $63,000 from your account, a loss of 63 percent, leaving you with just a little over $36,000.

Is this math right? It doesn't seem like this is how the calculation would be done.

--
I use Firegesture add-on on Firefox and it's awesome with a mouse. Not so much with a trackpad.
Exactly. Moreover, the real underlying issue here is that many people think they could do the CEO job. What's so special about ordering around flunkies all day? They don't fully appreciate the idea that a CEO of a 1000 person business is the signal integrator and nervous system, the guy whose speed of critical internal and exernal decision-making sets the clock of the whole organization. As CEO, you have dozens of smart managers approaching you constantly for rapid decisions/conflict resolution on the most intractable internal problems, the ones they couldn't solve, necessitating constant context switching. Each inquiry means parachuting in to a highly technical/complex area and instantly solving or adding value for the line manager, despite the fact that he's a smart guy who's been working on the problem for weeks. And as you gate the clock of the organization, you need to be available much more than forty hours per week.

Most people understand that they suck at pro sports, but they don't understand that they'd suck as CEOs. If I had my druthers everyone would have to start a business as CEO to "graduate". Most would fail horribly, just as most kids fail differential equations. But then they'd know they can't handle the CEO position, just like they know they can't do advanced math or steal second base. And that would drain a lot of the energy out of the idea that CEOs are overpaid.
Wait, why do recruiters pose as applicants? Is this a common problem?

Also, Parse (and a few other companies whose names escape me now) have been doing this for a while. https://parse.com/jobs (scroll down to "Apply to Parse!")
That's what I thought. My current strategy is to keep an eye on the total size of our account, hoping it gets big enough to add some better options, or big enough to be worth moving to a cheaper provider.

I wonder what it would take to add a brokerage window (self-directed) option?
Here's a story from atul gawande that has a similar point.
http://www.newyorker.com/reporting/2011/01/24/110124fa_fact_...

As far as i can tell , atul is a pretty serious health care journalist so him posting this story tells me it's probably not PR.
If a recruiter can get past this then best of luck to them. We still won't pay the usual ridiculous hiring fees, but we'll at least be willing to listen!
> But at least in theory what Wall Street is selling you here is better return than what you could make on an index fund.

Often, 401k's offer few, if any, index funds and at drastically higher fees, even if the fees are lower than actively-managed funds.

To take a personal example, I have retirement accounts with Vanguard (Roth IRA), T. Rowe Price (solo 401k) and, through my employer, with MassMutual. All offer an S&P 500 index fund, but Vanguard's fee is 5 basis points (.05%), TRP's is 30 basis points, and MM's is 90(!). Why am I paying almost 20 times as much in fees through my employer?

Sure, you could put this back on my employer and say, "well, they should offer you a 401k with better options/lower fees/with a better vendor," and though I'd agree, it's not as though I have any say in the matter, which is the point that Bogle and Frontline are making.
0.98^50 is 36.4% yes, but it's ignoring potential growth of the invested capital
"All this stuff about being born on the wrong side is misleading, because the difference between the two sides is not natural resources or something* but the people themselves."

Would you care to elaborate on this? In contrast to other segments of your comment, it appears to be incredibly ignorant and chauvinistic, at least to me.
The costs of such a project -- downward pressure on working class wages, elevated levels of crime among urban poor, dangerous and degraded public schools, etc. -- are not born by writers at The Atlantic, or economists like Bryan Caplan. They know semi-literate peasants pose no threat to their livelihood and they don't feel any more solidarity with another American than would with urban poor in Bangladesh. That people in positions of influence can believe such things is a damning indictment of the United States.

In historical terms, there is an important distinction between inimicus vs hostis; that is, hostility between individuals within a given political order vs hostility to the political order itself. To someone who views a country as nothing more than a utilitarian vehicle for atomized and rootless individuals to maximize their earning potential, this distinction vanishes and thus someone like Bryan Caplan -- a rootless cosmopolitan in every sense of the word -- can publicly and proudly endorse to the destruction and displacement of a people in their own country.

People like this are not men with legitimate opinions and ambitions -- a man who is a traitor to his own people is by definition an evil man and a criminal. He is categorically animated by malice and he's an unjust hostis (enemy) of his own society.
True, but one thing a financial advisor can do is counsel you through market volatility. Absent this, many unskilled investors will fall into a "buy high, sell low" pattern and end up FAR worse off.
Léon Theremin Plays The Thereminvox (1954)
This is assuming you can get the same return, pre-fees, as Wall Street can. This is generally true, but what they're selling you is the idea that this isn't true.

Which is my point. It's not some evil Wall Street thing, it's like every other sector of the economy. Ralph Lauren sells jeans made in the same Chinese sweatshop as Levis, but you pay a premium for the illusion that it's different.