skysight-inc/HackerNews huggingface dataset:
While I agree with the general concept, investing 10k comes with a substantially different cost/risk/benefit profile to investing 1,000k. The 1% rule is a great general rule for a single investment, but to invest 99% of your porfolios gain on 1% risk seems like asking for 1995 google stock.

My personal investment in this profile is about 10k per position [equity] and up to 15k per position [option risk] - where a position is defined by the total risk as affected by the underlying stock - you still could end up with 100 positions with a 1mm portfolio, but usually by 20-30, you find ones that you understand well and have reason to believe are undervalued -- those are when you break the 1% rule, and you do it a couple of times. Some will become worth less than 1%, some more than 10%. Re-balance judiciously, hold if it produces income greater than its risk, and sell anything not nailed down when someone offers you a gold-laying goose for it -- you can always by short-term risk with options if you're that confident, and cash is infinantly more exchangeable to immediate needs than paper stocks held at the DTC are to your grocer.

Depending on your age, if you have little to no investment experience, i'd check out the professional lists at fool.com (rule your retirement, etc) - those are the profiles I put my family in. If you're bored and looking to day-trade, there are similar lists for options, but those are for play money or experienced readers, not retirement money.
It's a time machine.
Municipal bonds will yield 5-7%, very safe, all will be state tax free, some are also federal tax free.

LendingClub can yield 10%+. You have to be pretty engaged, since you'll need to loan a small amount to a lot of people. At $1M, probably $2,500 to each of 400 people so the risk of default (there will be defaults) is diversified. You'll have to actively re-invest the principle/interest. But it pays back monthly and is kind of like paying yourself a salary in some respects.
I just searched on http://www.infochoice.com.au/banking/savings-account/term-de...

and it returned a 5% p.a. term deposit with RaboDirect for a 5 year term on amounts from $1000 to $2,000,000.

http://www.infochoice.com.au/banking/term-deposits/rabodirec...
Looks like the Zynga app is using Kik for distribution: http://cards.kik.com/
At best you could say that such memories would not be normal, though, right? Just as the fact that the two times I was hypnotized I did not suffer post-hypnotic amnesia would also not be the normal experience, right?

It seems to my mind that your disbelief should be qualified with an understanding of how common the exceptions are. When you assume that everyone is the same, you are going to miss out on differences.

My earliest memory was, I think, from when I was 1. I think we were moving from California to Michigan and I remember looking out the window and seeing a bank of grass. However, I could be wrong. It could have been later.

What I can tell you though for certain is that I have precise, detailed memories of things from when I was 2 to 3 that are not details that people describe. I can tell you most of the details of the apartment we lived in there, including the flooring, how my mother cooked dinner, what she often cooked, and so forth (I don't know the name of what she cooked. All I know is it included both lamb and eggplant and was cooked on a hotplate).

I could probably draw for you the pattern on the linoleum in the bathroom.

What's really funny is that the level of detail I remember about the living spaces I lived after the age of about 4 drops off considerably. But then I won't claim to be normal in this regard. The next house we lived in, I remember mostly the yard. The house after that I hardly remember at all. The house after that we lived in for seven years, but I still remember the yard and to a less extent than the others.

Now I remember some things from those early years my parents don't, for example what motivated some of my temper tantrums at the age of about 2 (pinkeye medication meant I couldn't see the all-important train passing behind the house). And I couldn't tell you anything beyond probably what I could see from indoors. But I can describe in near perfect detail large parts of the apartment, and those details are not really ones people talk about, at least in my family.
> And I assume he's choosing them after the fact for his graph.

So it's possible to edit tweets or change their timestamps?

https://twitter.com/DogsOfTheSeason
Clearly not a good question to ask on HN... surprised bitcoin hasn't been mentioned yet :-)

edit: it has now. I rest my case.
Evernote’s Phil Libin shows how to do Startup PR the right way
LinkedIN scrapes your personal data, then spams them. Then, they have the gall to sue companies that do this to them. I say, "Grab your ankles, LinkedIN."
> but we're also pouring resources into building single-purpose chips that will be useless when bitcoin migrates to a different hashing algorithm.

I don't get this argument. Why do they have to be used for something else after "you're done with them"? You've made your profit with them (since if you aren't going to make a profit with them, you aren't going to buy them in the first place), so what else would you use them for?

The ASIC's serve a purpose: mining Bitcoin and maintaining the Bitcoin network. I don't get why there has to be "something else" they need to be useful for. Bitcoin is the point.
The story is "Articles about booth babes get a lot of clicks"
Good to know. Thanks for an official answer.
Apple and Samsung CEOs to meet by February 19th, give peace another chance
Yes. Increase your financial IQ, as it were. My wife and I run a service business to keep bread (organic) on the table, hired our first coach, researched, and are now purchasing investment properties that realize >= 9% on investment, and since they cash flow, continue providing returns. In addition to all of the tax advantages (we live in the US, so US tax law, but similar elsewhere).

Now we just hired our second coach, and will be learning paper asset strategies for cash flow and for capital generation to continue purchasing real estate.

FWIW: I think that we are successful so far because we believe in ourselves and put in the hours and sweat.
Ageism is real, but it's not going to start hindering you this early.

Agreed; at least, where I am, if I were simply 10 years older (putting me over 35), I'd be making twice what I am now. Certainly not looking for a job.
Hacks to Get the Most Value Out of College
> "It was on the road to holidays in Spain, and I have distinct memories of the topography of the apartment, the beach and the bay, and their relative positions. I also remember going out for a walk alone with my dad, between the white villas."

That's funny. My eariest memories are of the topography of the apartment we were living at the time. I am not sure I could tell you what the parking lot looked like or how the apartments were around it, but I coudl tell you that we were on the second floor, that it had a brick facade, the sort of flooring used in every room, the color of the walls, and the all-important detail for a 2 year old: there was a TRAIN that ran by out back every day).
Yes, exactly that. I like having the option to save customers and cards, but I prefer not to be required to for circumstances that don't need it.
That is impressive. I feel like i need an overlay of the US to see where and how much he deviates. But what projection [0] to compare to.

[0] http://xkcd.com/977/
Many MIDI virtual keyboard apps provide a mapping to the PC keyboard. Install one of those, (e.g. apt-get install vkeybd), plus a softsynth (e.g. ZynAddSubFX). Done.
My personal experience with their throttled data is that it is perfectly sufficient for emails, WhatsApp, and even low bandwidth radio and audio podcast streaming. It even works for moderate internet browsing in a pinch, although if you need more additional high speed data is still quite cheap ($10 for 2gb and $20 for unlimited).
I thought you got this backwards, then I realized that it depends on how you classify "developer" and "user".

I think of "user" as someone who downloads the licensed software and uses it. And "developer" I associate with whoever wrote the licensed software that was downloaded.

Based on this definition, GPL gives more right to the developer, and less rights to the user. The user can't create derivative works from it and distribute it without also releasing the source code. This is a restriction that affects the use of the code by someone who downloaded it. Any derivatives are contributed back, giving the developer the right to integrate it to the original.
"good artists borrow, great artists steal"

~~Picasso
Just buy the S&P and make 30% a year. The Fed's got your back! If that's not good enough, buy the Nasdaq or Russell.
Wrap it in a damp paper towel when you do this to infuse some moisture.
We didn't change countries but when I was one my parents moved from California to Lansing Michigan, then when I was three, to Saginaw, then when I was 5 to Battle Creek, then when I was 8 to Richfield, Utah.

I don't remember California at all. I remember the Michigan cities all very distinctly. So I believe that research.
How does that compare to Betterment?
Their new Simple Choice plan has unlimited roaming
I would buy property in Marin County if I had a million
dollars. One house. A neighbor moved next to me. I scared
him away--I think? (another story). He was in his house
for 5 months and made 90 grand on on a $650,000 investment.
It's a weird market here.

I'm thoroughly convinced 90% of stock gains are made through
inside information. I thought the Internet would level
out the playing field, but it seems like the wealthy "connected" types are always in a bull market? (This year
was an exception--everyone seemed to make money if they
bought stocks?)

As to leveling out the winners in the stock market; I hope
some young dude makes an app--a app that would help investors who don't have wealthy friends. And Stocktwits
in not that app.

(I see a lot of posters advising on making money off renters. Personally, I couldn't live with myself making
a huge profit on Renters. A nice family moves in and
can just afford the rent, and the Landlord continually
raises the rent. It's not moral. Sorry, but a place to
stay, especially if the family has kids, is more than
just a Revenue Stream. )
Was there any actual point to all of that ranting? So a lot of Redditors (myself included) are pro-gun and like to exercise our 2A rights by owning and occasionally gasp shooting /gasp guns! Oh noes! FSM forbid that a civilian might own a "powerful" gun like an AR-15.

Never mind that, like all of the other articles written by paranoid anti-gun kooks, this article is sadly misinformed about the nature, capacity, and capabilities of various guns. An AR-15 is a civilian weapon, not capable of select-fire or fully-automatic fire, and is no more "powerful" than most popular semi-automatic hunting rifle. And in terms of ballistic power, the 5.56 NATO rounds are relative lightweights, being nearly equivalent to .223 Remington rounds, and with less ballistic power than a .308 Winchester, .30-06, .375 Ruger and a whole laundry-list of other rifle cartridges. There's no more reason to get all panicky and freaked-out over an AR-15 than any other gun. As far as that goes, you can kill someone with a single-shot lever-action .22LR. Sheesh.
Yeah, I used to live there, and I think it might be my favorite coffee-shop town. Lots of places and variety, especially considering the modest population. My own favorite one is probably Mr. Toots in Capitola (2nd story, & has a small balcony with ocean view).
> someone's software freedom is impeded

Nobody's freedom is impeded. They didn't have the freedom to modify the code in the first place, since they didn't have the source code. Nothing they could do before has been taken away.

It's really intellectually dishonest to use this freedom and morality rhetoric when you're actually talking about compelling people to give away something they have created.

Not that I think it's conceptually a bad idea. I see nothing wrong with the idea of the GPL as a concept. A contract that says 'if you use this software, you agree to also give away any code you base on it' seems fine.

But I see no reason not to just call it 'permanenrly malleable' software or something like that.

It's the faulty rhetoric around freedom that is presented as a moral crusade that is a problem.
Buy a house in Australia.
Looks like they miss a step where they provide or link to instructions on how to improve, rather than just detect and explain why your client is bad.
Neither company is exactly playing nice here. The legal battle over smartphone patents across many countries for supremacy in the mobile device market is far stretched. Let's wait and see what happens this time.
>> You asserted that the douchebags with popped collars saying stupid shit are "channel[ling] black culture."

I didn't say anything about people saying stupid shit. A negative statement like that would be inconsistent with the rest of my argument.

I also didn't say that they were douchebags. I said "(so-called "douchebag")" which is a british word to show that you believe a term is unsuitable and not correct [0] also I said: "I think that people recognise the style as douchebag because it's uncomfortable for them to see white people "acting black"." I was implying that it was just a term which people use to describe a behaviour that they do not like for classist/racist reasons but which allows them to dodge allegations as such.

>> You further asserted that the primary objection to "'wigger' culture" (wow) is that white people "acting black" makes other white people uncomfortable.

Yes. I believe there is a heck of a lot of underlying racism there - and that we're seeing the same thing here.

>> Good for you. I know plenty of black folks who wouldn't.

Who am I to take away somebody's right to be a dick or offended?

I don't want to continue arguing anyway - my core point was that we shouldn't judge books by their covers: there are plenty of people that speak differently and wear very different clothes from both you and me and we should allow them to be and (in the case of the OP, instead of RapGenius) actively include them in our own culture.

[0] http://dictionary.cambridge.org/dictionary/british/so-called
How did this just get bumped to the third page of HN? It was on the front page just 1 minute ago.
Obviously Emacs sessions would sound better, as Emacs already is set up to use chords...
Great Makers Ship
I'm really pleased to see someone else hitting on the value of the blockchain data. One of the reasons I think Bitcoin itself will become more valuable over time is the amount of big data being added to the system via the transactions taking place. For the first time in the World's history, we actually have a completely transparent system financial system we can observe and use to make decisions.

Very exciting stuff. I'm glad to be part of it.
They were obligated to unwind their customers. They were obligated to report the crimes to UK authorities. I'm not impressed by the fact that there are aspects of this where they actually didn't break any laws, and it isn't a compelling defense for why they shouldn't be fined for the parts where they did.
Please be careful and understand what type of fund this is before choosing this investment.
This is great news to me.

Automated cars open the doors to:

- A potentially larger market for private tracks where you'll be enjoying racing, or even pleasure driving. It would be totally possible to have roads that are only here for pleasure driving. I can picture the Izu Skyline or other really beautiful roads that you pay to get a marvelous driving experience.

- A much safer world. If every car on public roads would be driving itself, you would not have to worry about a driver having an abnormal behavior and hurting/killing you in the process[1].

- Cheaper insurance? I don't really believe this, but it could happen, as there would be a lot less accidents.

I enjoy driving, I really do, but I'll use a self driving car any day, and I'm totally willing to pay an extra to drive in a safe and controlled environment like a private track. I think it's a win for everyone. If you enjoy driving, you'll enjoy staying safe, and self driving cars are bringing this safety.

[1]: I recently had an accident while coming back home, an old driver panicked because he didn't know where to go, and suddenly pushed hard on his brakes.
> What do you think is the best way to get the lowest risk, 5% annual return on a million dollars?

You won't find a zero-risk 5% return; those don't exist. Bank accounts pay approximately zero interest these days.

The lowest-risk return would be to buy an index fund based on the entire stock market, balanced with a fund that buys low-risk bonds; choose a stock-to-bond ratio based on your desired level of risk.

Vanguard has the best index funds in the industry, due to their minimal administrative overhead (0.05% to 0.1% of return). VBIAX is a nice balanced fund that's 60:40 stocks:bonds, which is quite risk-averse. If you want to choose a different ratio, go with a balance of VTSAX for stocks and VBILX or similar for bonds. You could choose anything from 100% stocks (if you don't mind riding out market crashes like 2008's) to 100% bonds (if you're extremely risk-averse and don't mind low returns).

If you're trying to use this as an income, Vanguard has the option to automatically send returns to a bank account rather than reinvesting them.

If you're talking about investing a million dollars all at once, you probably don't need to worry about dollar-cost averaging; if you're saving up a million over time, you should invest a fixed amount every paycheck no matter what the price is. No matter what, don't try to beat the market; you will lose.

> I'm also interested in how you could get 8% or 10%, though I know that would likely include more risk.

Same way, just change the ratio. If you have a high tolerance for risk, such as if you're a long way from retirement or you're otherwise flexible in how much return you get each year, buy 100% stocks (VTSAX); the return was 33% this year, 18% average over the last 5, and 8% average over the last 10 (which includes the 2008 crash).
why didn't you turn in your TPS reports last week Andrei? ;)
Because it's counterproductive, pointless, and against the guidelines.
Hacking the soundcape: How to own the dog?
I would rather get charged extra and get a warning. $5/GB seems like a good price to me. Sometimes the extra speed is worth the money and having to call every time you are close to a data cap is insane. Instead, just change me for what I use, but charge a fair rate.
Happy Guys Finish Last: The Impact of Emotion Expressions on Sexual Attraction
OK I got all good for chrome, and half bad for firefox, what should I do...
Sphero 2B Robot Is Fast, Funky, and Fun
Myo’s gesture-control bracelet makes using Kinect look like drunk charades
TLS 1.0 is definitely broken; TLS 1.1 introduced explicit per-record IVs for CBC mode.
I say AMEN! Imagine a society where 25 hour work weeks is the norm, everyone gets a living wage, some of it possibly subsidized by the government, -- each household earns a guaranteed 2500 per month to grow the economy. Every worker gets 4 weeks paid leave. Companies move from being self-serving to realizing if they make their employees super happy -- they will go out and buy their products, or other companies products - but support the economy in general and grow all companies.

We are work-a-holics, and then we spend our weakest part of life sitting on our arses waiting to die- if we had more quality of life time to travel, see the world, spend time with our families, while in the prime of our life--time to pursue entrepreneurial ideas, philosophical/artistic endeavors...

Not only would poverty be put to shame, but quality of life would rise universally. Sure, sounds like a Utopia, maybe it is, maybe it's what we're headed towards..it's not like there's not enough money floating around to pay for it...
Yep, and for PHP, I actually disagree that it's better :) well, that's not a fair comparison, at this point I've coded so many plugins and changed the interface for Komodo so much it's as close to perfect as I can get it, whereas using IntelliJ (which is great in its own way) doesn't fit properly for me. Maybe one day I'll move over, but as it stands while IntelliJ may be better in some bits, I've got Komodo working better for me now than IntelliJ is out of the box... Sunk cost, and all that heh.
I really loved my GameCube, in many ways it was the best console of it's generation. But it just couldn't compete with the library of games the PS2 had.

It was kind of sad to read this. There are some thing in the article, like the idea of a console as a toy for fun, that are so quintessentially Nintendo and why I love them. But it's also so clear that it's not the direction the market went. You can see how the 3rd party problems got worse and the beginnings of the disaster that Nintendo's on-line efforts. There are points where it's just so clear their arrogance is causing them serious problems.

I really love Nintendo. I hope they can turn themselves around before it's too late.
I'm not sure if you can make a reasonable comparison of speed if your device doesn't support LTE...

Also, California is a pretty big state. In LA, we use a lot of different data devices in the office from Verizon (mostly the Pantech ULM290s), AT&T, and T-Mobile (we dropped Sprint a couple years ago - they were terrible). T-Mobile performs great down here. I haven't had problems w/ my T-Mobile LTE devices (I carry an unlocked 5S, Nexus 4, and iPad Mini) when I'm up north either.
Essentially a modem (with zmodem/sz-rz functionality)?
> It's more probable that you reconstructed those memories from stories told by other people, even if you forgot hearing those stories before remembering the event, than that you're an exception to a well-studied and widely documented event.

People want to feel that they are special, together with the fact that the other people involved, the parents, have probably forgotten talking about it as well, since they forgot about the even happening.
Also, unlimited Internet doesn't really mean unlimited Internet in practice. They throttle so heavily after I hit my 5 GB cap

Genuine question- what do you do to hit that limit? I have the same $30 plan and my phone data usage shows me nearly hitting 2GB a month on average.
I do that anyway even for a single loaf of bread since I hate dry, stale bread. The freezer keeps it fresh and to make toast just throw the frozen slices into a toaster, no need to thaw first.
I also think that aspect is interesting, but I wonder if it will really reveal as much interesting information as one hopes. If everyone used a single wallet (or small number of wallets) and made only "real" transactions, it'd be a transparent (if pseudonymous) data set about how money is flowing around in the Bitcoin universe. And that would actually give hard data for understanding an economy, of the sort that one has to estimate very imperfectly in other currencies.

But it's pretty easy to purposely foul the data if you want, especially given the ease-of-use of mixers. I would guess if Bitcoin usage gets more important, obfuscating schemes will only get more sophisticated and widespread.
Excellent work. I like your perma-wield idea.

I've only just started on the "aspiring indie" path the past 6 months [1] and it's a great feeling when I've got a spare weekend to toy around with an idea.

One thing that I found useful was joining up with a indie game dev group in my city. It's always great to hear other peoples stories.

[1] http://andrewjamesbowen.wordpress.com/