skysight-inc/HackerNews huggingface dataset:
"Annual income twenty pounds, annual expenditure nineteen pounds nineteen shillings and six pence, result happiness. Annual income twenty pounds, annual expenditure twenty pounds and six pence, result misery." Charles Dickens, in "David Copperfield", published in 1850.

The notion of living within your means is not a new one. It's something that ought to be taught all the way through school. It's that important.
>The global capitalist system seeks to change this, often by stealing their land at gunpoint..

What a bizarre notion. The global capitalist system has goals? It owns guns, and steals land and children?

Let's ignore this fuzzy notion for now and address what you seem to be claiming.

Yes, there is a global capitalist system, and yes, guns are sometimes used to steal land, but no, it is not a defining characteristic of capitalism to steal land at gunpoint. You just weaken your case by this overreach. Reasonable people tune out when you start making shit up like this.
I didn't mention anything about the stock market. I said if you can invest somewhere with a return greater than 3.5% after tax.

Implicit in that was that the investment is risk-free i.e. it's a government bond or something. But it could be a risky investment, if the risk-return trade-off is high enough.

If I had the opportunity to invest at a 10% rate of return with a stdev of 5% then absolutely, I'd remortgage my house at 4% to do that!
What really blows my mind is that Australia is still highly regarded as a low-corruption country. Same goes for the UK, after they were caught fixing the Libor rates, essentially fucking over the whole planet.
Well you also have to pay taxes on your gains, and there is risk involved. You could lose all of the money you put into index funds, you will not lose any money you spend on paying off your mortgage early.
Uber just started here in Poland (currently only in Warsaw, our capital city). I was quite surprised that event Polish startup oriented blogs and news outlets were rather sceptical about Uber and were preffering already available local services (iTaxi, Taxi5, German MyTaxi). Usually it is quite opposite when some global startup is staring on Polish market.
Citation needed. All the artists I know are reasonable people. And I could fine plenty of scientists & enginers who practice the equivalent of crystal magic. For instance, Ray Kurzweill and his 100 vitamin pill a day bid to live long enough for his brain to be kept alive in a jar.
Ok I'm agreeable to tell the employer what time zone I'm in, but that's about it. The rest I'll tell HR after I'm hired, so they can fill in their forms.
One of the best museums I've ever been to. Highly recommend going - it's better than the website :)
I think I've worked out the concept of leverage, but thank you for the attempt at eduction. On a similar note I could make similar comments about risk versus reward and the fact that very few greater-than-inflation strategies will come with any guarantees. Sure, you can use leveraging to buy 5 rental properties instead of only one or two cash. But that's not what the article talks about.

It's not about how to allot your surplus millions, but about dealing responsibly with the income and the debt that most ordinary, middle class people have.
[Course] Scholarships Up to $3,500 Available for Mobile App Dev Class
There is one - https://support.mozilla.org/en-US/questions/1006954
Paying down a mortgage is probably the safest, guaranteed bet. Not everyone can get lucky on stocks or bear the risk of being unlucky. If there was an available investment opportunity with a higher risk-adjusted rate of return than my mortgage interest rate, I wouldn't want to pay down my mortgage either.

If I got all the money back I lost gambling on index funds and other "low risk" investments, I'd probably be able to pay mine off today.

EDIT: guaranteed -> risk-adjusted
I can think of 2 reasons very quickly - #1, the brain is far more capable and plastic and active in adolescence than it is in adulthood or later. #2, human beings have a finite lifespan. If you wish to get further than others, you have to surpass their development at all stages.

Until we can change biology, no one is going to have a brain that works better than an adolescent, that's just how we evolved.
The Making of a Running App (without being a developer)
Really there's only car and house debt. The rest are small fry. And both of those can be problematic.
You're willfully ignoring the positive parts of the regulations, like proper insurance and licensing requirements. And even those you listed have both positive and negative sides. It might be difficult to hail a taxi, but I do know that once I do, I can expect to pay the capped fare to go wherever I want to (common-carrier regulations mean they can't refuse you a trip within some bounds). I fail to see how the alternative, which would be flat-out refusal of service or drastically increased pricing to go to unpopular places, improves anyone's life.
Take a look at the historical returns of the stock market. Using the S&P 500 as an index, if you did the same in 2007 riding through 2008 you would have lost 37% of your money.

You could very well continue to ride the wave up, but there is a non-zero risk that it all comes crashing back down again, and that needs to be considered in your equation.
One thing I heard once that has stuck with me: When you earn a dollar, you pay 30-40% tax on it, but when you save a dollar, you keep the whole thing. It pays to push on both the revenue side and the expense side, but one pro of putting effort into expenses is you keep 100% of the reward.
It doesn't need to be guaranteed, it just needs to be better expected value, with a volatility you're willing to accept.

Risk, like debt, is not always a bad thing, as long as you're informed and understanding of it.

As Daniel Kahneman said in 'Thinking, Fast and Slow', people ought to take more opportunities with risky outcomes with positive expected values - some you will lose, but over your life, taking a large number of these risks will result in a positive outcome.

(Obviously, only take risks where the negative outcome is one you can get through, i.e. it won't kill you, or leave you completely penniless etc.)
Indeed. uniq is usually only useful if you're also using -u, -d or -c.
Yeah, I think calling him the "unenlightened" one is pretty off base here.

For performing the tasks outlined by his examples, Unix utilities are easier for the user as well as executing faster than writing your own code in a general purpose programming language, unless one puts in the time to tune the implementation.

One could rebuild AWK in C and get similar performance, but why not just use some extremely simple AWK? And is anybody going to replicate the amazing speed of grep without a huge time investment? [1]

There is a right tool for the job, and having seen dozens of programmers be exposed to new big data sets, I can tell you that the ones who become productive quickly and stay more productive are the ones who adopt whatever tool is best for the job, not the ones that stick to their one favorite programming language. In fact, a good sign of somebody who will quickly fail is someone who says "forget those Unix tools, I'm just going to write this in X".

[1] http://ridiculousfish.com/blog/posts/old-age-and-treachery.h...
I launched my first web-app to 475k page views in 24 hrs with 0 money spent
You have to consider the rent-vs-buy situation of that particular market in order to really evaluate the decision of whether or not taking a mortgage is the right thing to do.
If you're like me, you find yourself eating fast food every week or so whether you like it or not due to time constraints. I wanted to make a better way to compare fast food choice since nothing existing was quick enough.

My website is Fast Food Protein, it's a RoR app that lets users search across multiple fast food restaurants in a single interface. If you've ever tried to lookup restaurant nutrition information on the fly, you know what a pain in the ass it is to download a PDF or go through a nutrition calculator that doesn't work well on a mobile device.

It hit the front page of reddit on Monday and spent ~36 hours on the front page of /r/fitness, holding on to the top spot for about 24 hours. It has a 95% upvote-ratio and the feedback was extremely positive. I have people offering to collect data for me, build an app, and redesign the website all for free.

One lesson I learned is I should have had social accounts setup sooner. I didn't think the site was going to take off so well so I didn't even bother with a Twitter or Facebook page until it had already been on the front-page for 12 hours or so, costing me some followers. I'm currently at 124 followers and 45 page likes without any advertising, which I guess is fine.

Feel free to ask any questions or give feedback on the site. Thanks!
I guess if everyone is doing it, it's ok!
Another benefit is that Forefox OS is fully open source, so you know it is not spying on you and you can customize every aspect of the OS.
For all the people who are saying "there is good debt and bad debt" and stuff about not paying off your mortgage early: what you say makes mathematical sense, but there is also something to be said for achieving a certain level of simplicity in ones arrangements.

For example, I paid off my student loans before my car and my credit cards, way back when I had my own brush with debt servitude. The student loans were the lowest interest of the bunch, but they were also the smallest by that point. I would have spent less overall by paying off the credit card first, but I was able to pay off the student loan immediately. Eliminating it completely helped me on an emotional level stay engaged in my debt reduction. A mile marker, an "easy win".

Most people don't have the patience or willpower to work their finances in the most optimal way. Borrowing at X percent to invest at X+Y percent makes no sense for people who have difficulty remembering to pay bills on time; the late fees will destroy them. And the solution is not "just pay the bills on time", because that's already supposed to be done.

Better to live life understanding what you're capable of. I freelance because I know I'm not capable of getting into an office at 8am for more than three days in a row (actually, it's any set time), and most employers would prefer you to do it 365 days in a row. We already tried "get me up earlier" and that didn't work. Time for new solutions to the problem.
Don't forget about credit cards and buying on credit. That's not necessarily 'small fry' and neither are student loans.
car insurance, home insurance, fire insurance, life insurance, health insurance, legal costs insurance...
>It is smart for whomever loaned that money out ... they get back free money paid consistently over the years.

Now explain why the same logic doesn't apply to a landlord being the smart one, and a renter being the dumb one.
Interesting HTML/JS/DOM/CSS hacks that most web developers don't know about?
It's actually not that hard. I very rarely see advertising, and I didn't even make a conscious effort to do it.

I don't have a TV, I don't listen to the radio, I don't read magazines or newspapers, I pay a subscription for all the streaming services I use and I use ad-blockers when browsing the internet.

None of these are conscious choices to avoid advertisements - I would do all of them even if they didn't have that pleasant side effect.

The only time I see advertisements is when I take public transport - the underground in London is full of them, but they're pretty easy to tune out.
Exactly. Especially also since people who visit museums (even the awesome Van Gogh museum) tend to be older, and older people tend to have older browsers.
Uber is illegal in Malaysia
Ask HN: What do innovative people focus on?
In life as well as on the product they built, that makes them great
Nope nope nope. I can't for the life of me figure out how to cancel my damn account with them. They correspond only in French and my wife (who happens to be French) cannot figure out how to cancel either. They keep dinging me with a stupid €1 fee every month and I can't make it stop!
Look, if your service is useful enough, it will get traction even if you have no website to boot. That has been the reality of supply and demand since ages.
None of these devices are one div... http://i.imgur.com/IwhB56A.png
Impossible to cancel an account with them, see my other comment.
Yes I can, this is my statement. At least for the CS related people. I'm not confusing good and bad cases, I disagree with the abstract ideas patents (any programs included) completely and other patents to some extent. Basically I disagree with the current state where if I came up with the same idea you did and patented, I owe you something. Both because I don't and because it's not feasible to actually check all granted patents before you do anything.
I assume this is all American (US) data? I think there's a good lot of variation between US amounts & the rest of the world. Unless I'm mistaken.
Tutorial: spawning chat request popups
Hillis & Steele also wrote up many of the same ideas in a non-Lispy way. "Data Parallel Algorithms" http://cva.stanford.edu/classes/cs99s/papers/hillis-steele-d...
Plus, if you're on a larger plan the upgrade is to 10x your current space. So 2TB.
http://www.vox.com/a/how-the-us-is-changing
is another good read if you enjoyed this
Most scripting languages aren't multithreaded, and some aren't pipeline oriented by default.

For example, working with file lines naively in Ruby means reading the whole lot into a giant array and doing transformations an array at a time, rather than in a streaming fashion.

The shell gives you fairly safe concurrency and streaming for free.

Personally, if it's a complex task, I generally write a tool such that it can be put into a shell pipeline.

Knowing the command line well - so that you don't often have to look up man pages for obscure flags / functionality - has its own rewards, as these commands turn into something you use all the time in the terminal. Rather than spending a few minutes developing a script in an editor, you can incrementally build a pipeline over a few seconds. Doing your script in a REPL is a better approximation, but it's a bit less immediate.
I feel that "var Box = function(a, b) {};" is more readable (or at least for me)
In searching for more about this I found this book that references the paper:

http://books.google.co.uk/books?id=v_40AwAAQBAJ&pg=PT39&lpg=...
That's correct, this is all US data for now. I received many requests for a UK version and Australian version which I will be doing once I'm satisfied with the amount of US data I have.
Am I the only one bothered by the misuse of the term Native Advertising. Why not use advertorial, which is more accurate and descriptive.
Yes, an advertorial is a type of native ad...but paid search ads are also native ads.

Turning atomic consumption units into an ad units (actual definition of native ads) is good for users. It creates a seamless experience and puts the onus on advertisers to engage authentically in a native way. It encourages content creation and doesn't interrupt our lives.

Yes, advertorials have a foul taste about them and seem more manipulative than anything else...but its time we stop bashing native ads, advertorials are a very small piece of the native ad world.
> Dropbox competitors with encryption like Spideroak and Wuala

Unless one doesn't really cares about security and wants encryption for the sake of having encryption, there's no way their implementations could be considered sufficient.

Without audit you're just taking their word for it — which is exactly as when you take Dropbox's word that they won't peek at your data (unencrypted or possibly encrypted but one can't verify that). And to audit those one needs to spend a lot of time reverse engineering their applications, and then auto-update mechanism could render those efforts void at any moment. I've spent about a weekend debugging and looking at decompiled SpiderOak code and while I hadn't found anything suspicious (although I'm not a crypto or security expert) the only judgement I was certain with was "this behemoth's too complex to study in detail, not worth the time to continue the research"

The point is, the data could be encrypted, but it's pointless to just have the encryption — to assume some security one must be certain about many aspects of how it's done — when, how and where encryption keys are generated, when, where and how data's processed, what are exact crypto algorithms used and how they are composed together and so on. And, obviously, a possibility to verify the description completely matches the actual implementation.

So, I think, security should be really done by a separate software module that could be completely reviewed by anyone (from tech-savvy end-users to security researchers) and can't be remotely auto-updated without explicit user consent.
Personal photos and videos I don't want to lose, which are of course backed up to actual backup systems, but I also want access to wherever I am. That's what I need 1TB for.
Why would you get disturbed by an elephant proclaiming to be exactly one elephant?
I've found EncFS over Dropbox to be pretty good, retaining the best of both worlds.
Health insurance for starters. Poor people will likely have a (mostly less than sufficient) government option that they pay little for, hoping that they don't get sick.

Then comes the mandatory insurances of "ownerships". Mortgage insurance to cover loan default, required property insurance for that home, auto insurance (full coverage also required by your lender on a new car) etc.

Fearful insurances like disability insurance to cover the bills if they should become unable to work (wouldn't want to lose all my stuff). Life insurance so the kids have a comfortable life at the level they've become accustom to in the even of death etc.

There may also be liability insurances connected with their line of work.

Middle class people have a lot of insurances that often take a significant portion of their monthly budget.
The BSDish way of pronouncing 'tac' is 'tail -r'.
Running OS X Mavericks Under QEMU with KVM
Not believing in Santa Claus, Zeus, Imhotep, Peter Pan, or The Green Lantern without proof of their non-existence is etc. etc.?

The burden of proof lies with the claim of existence. In the absence of any evidence, nonexistence is the default assumption. Yet disbelief in all of these things is based on evidence, since we have looked in the places people used to believe they lived and/or domains they were believed to control, andand they weren't there.
I wish OS vendors weren't asleep at the wheel. This sort of service needs to be integrated into the OS. I'm sick of having an OS that doesn't include next-generation features like seamless p2p filesharing. I guess its time to make one ..
Regarding #4, no you are not. If housing prices tank, you are levered the wrong way, as millions of underwater homeowners have discovered. Owning your house outright, somewhat paradoxically, makes it less awful if prices decline.

I agree that "debt is bad" is simplistic, but good debt, in my mind, is self liquidating debt taken on for productive enterprise. Mortgages are not self liquidating, and consumer credit is of course much, much worse. Mortgages at least have the benefit of good rates and tax advantages, although the size of them can often make the practical cash-flow ramifications dicey.

You are right, of course: at some rate of return, a sure thing at 3% becomes less attractive than an alternative investment. And you have to look at your broader investment basket to put together the appropriate mix of risk and returns. If paying off your mortgage involves say 20% of you net worth, that's different than 90% of it. So, as always, it depends.

I do like the thought experiment where you ask yourself "If I had my house paid off, would I take out a mortgage to make this investment?"
Yep, BBDD is just a buzzword and I agree with you. ENCAPSULATION is a term that fits in the concept as well, but it is a little bit general for me.
Email Account Phishers Do Manual Work
Faster HTML Manipulation
I seem to be one of the few here who actually enjoyed the experience while scrolling. Using back was broken, as it didn't scroll back up, but it was a pleasantly presented page.
A mortgage can be an extremely good investment, and a 0% car loan is essentially free money if you were going to buy the car anyway. My point is that there's no one-size-fits-all financial advice, and trying to promote the hip, rebellious "debt-free" lifestyle rather than educating people about debt really isn't doing them any favors.
Don't use CSV files...

If I'm working with a datafile where I expect the delimiter to be in one of the fields, there is something wrong.

This is one reason why I always work with tab delimited files. Having an actual tab character isn't very common in free-text fields, at least in the data that I work with. Commas on the other hand, are quite common. Why one would select a field separator that was common in your data is beyond me (I know it's historical).

Your data files might be different, in which case, maybe you should select a different field separator.

Otherwise, no, there is no work around. If you have to quote fields, then you can't use the normal unix command line tools that tokenize fields.
It's been mentioned in a few other comments, but ownCloud does all that.

https://owncloud.org/

You don't even need to set it up yourself:

https://owncloud.org/providers/
Strange. I see it appearing twice. I will try deleting one.
Did anyone else read the title + url combination and wonder if Hacker News had just joined some click bait advertising exchange?
Does it have an OSS Linux client, even headless?

All I want is to encryptedly back up some directories on my home server, but nothing* really does that. I use SpiderOak at the moment, but it's not OSS.

* Except attic, but I'd rather pay for a service as important as this (I don't trust the remote server to not lose files): http://www.stavros.io/posts/holy-grail-backups/
> Is that somehow "smart debt"? Really? What's so smart about it?

Regarding a mortgage and 2 car loans, I'd like to offer a defense of why it's smart / good debt.

The primary reason that your mortgage is considered "good debt" is because the asset you purchase with that debt (your house) will typically appreciate faster than the interest you pay. I'm not including black swan events like the 2008 crisis. When you eventually sell, you'll be in the black.

Regarding car loans, the only type of "smart" car loan is 0% financing. A 0% loan lets you keep your money in your pocket for longer (and in that time, you can invest it however you see fit). 0% loans can be found depending on when you see the dealer. End of the month? Quota wasn't reached yet? Perfect time to negotiate.

I'm certain jaquesm's point is that lots of people get in over their head with their purchases, especially large purchases like homes and vehicles. However, DontBeADick's point has some validity: Taking on debt can allow you to realize further gains than you would have otherwise seen (basic leverage).
For working with complex CSV files, I highly recommend checking out CSVKit https://csvkit.readthedocs.org/en/0.8.0/

I've just started using it, and the only limitation I've so far encountered has been that there's no equivalent to awk (i.e. I want a way to evaluate a python expression on every line as part of a pipeline).
The author states:

uniq -u movies.csv > temp.csv
mv temp.csv movie.csv

**Important thing to note here is uniq wont work if duplicate records are not adjacent. [Addition based on HN inputs]

Would the fix here be to sort the lines first using the `sort` command first? Then `uniq`?
That's right. The thing that I call "black box driven development" helps a lot if you want to do unit testing.
How to Make a 2D Space Shooter in Unity – Part 1