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ldayley

4,112 karma · joined November 17, 2010

incentives—>behaviors—>systems

hn username @ ( e-mail@ddre.ss ) dayley.me

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ldayley··on Rich Retirees Are Hoarding Cash Out of Fear
This is exactly the kind of thing that financial planners are currently making a killing doing as they shift from helping boomers accumulate wealth to helping them spend that nest-egg.
ldayley··on Rich Retirees Are Hoarding Cash Out of Fear
Not exactly, the IRS always gets their cut. In traditional IRAs and 401(k) plans taxes are deferred until the retiree begins taking income from their plan (by age 70.5 at the latest or they pay penalties). Those withdrawals are taxed at whatever the person's current tax rate is (often higher than when they were younger). Roth IRAs and Roth 401(k) plans are taxed up front-- there never was a tax deferment for those, but the upside is the contributions aren't taxed when withdrawn, either.

EDIT: Clarity

ldayley··on USAspending – How U.S. government money was spent in 2016
This is nice. It'll be interesting to see how these official reports match up and/or differ in design or results with Steve Ballmer's new government spending tracking project[0] as they continue. For example, Ballmer's org reports that spending in 2014 was significantly larger then the number for 2016 reported on this site (5.2 trillion v. 3.85 trillion). It's also interesting to see the difference in how spending is labeled by constituional "mission" in the USAFacts site or function on the USASpending site. In any event we're better off having both of them.

[0]-https://www.usafacts.org

EDIT - add examples, reference url

ldayley··on Carlsbad, CA to photograph every car entering city
One aspect of this that isn't widely discussed is that license plate data collected is often shared or rented to auto financers and lenders by the company or municipality collecting the data. It allows them to keep tabs on subprime auto loan debtors (the numbers of which have been booming in the US the past few years).

Sources: http://www.npr.org/sections/alltechconsidered/2014/10/16/356...

http://www.alliedsolutions.net/Our-Solutions/Collections.asp...

ldayley··on CenturyLink to Buy Level 3 for $34B
Market capitalization is the value of all the public shares, and is determined by investor sentiment about the medium/long-term prospects of the company as much as any other factor. The underlying assets are wholly owned by the company and have an intrinsic value that is easier to measure through accounting, but that alone doesn't take in to account the liabilities or debts on the books.
ldayley··on Server APIs Project
Dumb question: I'd love to learn more about Swift and try out writing Swift code, but is development still limited to XCode/macOS?
ldayley··on GitHub censored my research data
The claims probably have little to do with DMCA violations themselves, but it has become an easy way to get content removed quickly from sites without very much review from the host service.

The claims are probably from the malware perpetrators as a way to censor discussion and keep the gravy train rolling. It's possible also that the embarrassed commerce sites would file a DMCA claim to keep the public in the dark about how insecure their sites are/were.

ldayley··on Disney Considers Offer for Twitter
Keep in mind that Jack Dorsey is on the Board of Directors of Disney (whih is mentioned in the article for those of you who tl;dr)
ldayley··on Speed Traders Invade Sleepy Corner of England, Locals Bristle
For original, in-depth, on-the-ground, and ongoing commentary on HFT developments in this region I recommend reading the "Sniper in Mahwah" blog(1). It gets a lot more technical, among other things. His posts are regularly featured here on HN(2).

(1)https://sniperinmahwah.wordpress.com/

(2)https://hn.algolia.com/?query=sniperinmahwah

ldayley··on Beartooth
I don't think it is designed with this use case in mind, despite the marketing that mentions crowded festivals.

I see a "Born in Bozeman" badges on the site, so I'm assuming this was born out of necessity for backcountry trekking in wild Montana and not hiking Mt. Tamalpais. I'm not far from Bozeman and I don't have to travel far from home before I lose network coverage from both Verizon and T-Mobile. Sure, I relish the loss of service in a way as a means of escape, but it has higher risks and causes a number of challenges that I think this seeks to overcome.

I'm intrigued.

ldayley··on Twitter to Name Jack Dorsey Permanent CEO
From a shareholders' perspective this is probably great news. But with Square looking to IPO soon they're likely going to have to find a new CEO also -- there is no way that investors will take them seriously if Jack is running two different companies in two different spaces.
ldayley··on Oracle Sales Erode as Startups Embrace Free Software
Wait, doesn't Ellison and/or Oracle own a huge chunk of Netsuite? Nelson is basically doing PR work for them in this quote.
ldayley··on How Soylent Ships a Trillion Calories per Month
"a Trillion Calories" -- what a fantastic way to represent what they do in a way that sounds HUGE but is also both true and not hyperbolic sounding.
ldayley··on Show HN: iOS app for learning Python
This is pretty cool, especially for learning how to visually parse basic python quickly.

I'd also add a couple of other tools:

Pythonista is indispensable for learning/using Python on iOS. 'Python for iOS' is good too-- it isn't as clean as Pythonista, but it does include the python.org language docs with the app. The both utilize python 2.7 and a REPL, but I think there are other versions that use Python 3.

ldayley··on Qualcomm's Snapdragon 810 and 808 Processors
The link is for a corporate blog post, not the official presser (which is linked at the bottom). The blog site appears to be aiming towards consumers than the press release, which is as formal as any other tech release.

EDIT: Mod has changed URL to Anandtech review from original link

ldayley··on Facebook acquires Oculus VR
Important to remember that this was initially funded via Kickstarter.
ldayley··on Designing Large-scale 'Nudge' Engines
I submitted hoping to find out more myself. I'm intrigued.
ldayley··on Stately - A US state map in a font
Stateface is another good font if you'd simply like images of the individual states. https://github.com/propublica/stateface

It doesn't display the entire map like this (so the use case is different), but it's pretty cool all the same.

ldayley··on Submarine Cable Map 2013
It would be cool if there was some way to see the diff of what lines were added or under construction since the last publication of this map.
ldayley··on Announcing the App.net File API
To be fair, that TNW link is from September 2012. The Appnetizens link is realtime though.

I'm an active user and thought I see few new accounts overall, it has picked up slowly over the past couple months mostly through referrals.

ldayley··on Improving Twitter search with real-time human computation
Potential business purpose: Teaching the machine to quickly recognize an event-driven pattern of searches and selling (or adjusting CPC) on the search keywords that spike suddenly.
ldayley··on Code to search public tax filings of US non-profit orgs released
I don't think the creator listed the site on the readme, but http://lukerosiak.info/irs/ is the site where this is running. It searches by Org and takes you to a copy of the original tax documents. It needs a lot of work for usability, but it is a powerful data source.
ldayley··on Is Siri really Apple’s future?
I'm not really clear on why Google couldn't achieve the same ends with a similar approach on Android phones (at least on the Nexus reference models). As dubious as this paradigm is, it seems like such a no-brainer for a company whose continued success relies on parsing intent signals and selling to advertisers. And they are probably the only company as trusted as Apple, IHMO.

(edited for clarity)

ldayley··on Gmail was down
Oh, Twitter: Gmail down 5:46-5:49pm ET 10/31/12 #neverforget
ldayley··on App.net developer incentive programme
IMO this is really what this developer payment scheme is all about (based on the discussions with Caldwell, et al on app.net). As a twitter clone it is sufficient (minus the network effect), but it is really a messaging and identity platform waiting to be defined by the applications written on top of it. Caldwell alludes to this near the end of the OP.
ldayley··on Ask HN: Should the techies and nerds reclaim HN for themselves?
I understand the desire to keep a community focused- I'm on HN because of the focus of the content and community.

However, I appreciate some of the seemingly comp-sci and business-unrelated discussion regarding economics, science, and sociology as well, because it helps to create a backdrop of context for startups in real life. We as a community can create the 'front page' that we want by not up-voting vacuous, sensational, or overly political content. I don't think a flag-war is necessary.

ldayley··on ToS;DR — TL;DR for Terms of Service and Privacy Policy
Certainly. But I think people who care what provisions the TOS of a service contain are the exception and not the average person.
ldayley··on Is not joining Facebook a sign you're a psychopath?
I absolutely agree. But even with little substance, the fact that a major publication is saying things like this is relevant - it shifts thought and dialogue in less reasoned circles for the worse. I posted to highlight the absurdity, and to gain insights from the HN community so I could form a better argument against this line of thinking.
ldayley··on ToS;DR — TL;DR for Terms of Service and Privacy Policy
I attempted a similar feat in 2010 with the now defunct tosgrok.com. This is a very needed service!

Edit: Take the domain and put it to good use, I no longer own it and it beats tos;dr!

ldayley··on Is not joining Facebook a sign you're a psychopath?
Relevent to this link is the final line from PG's Essay "Acceleration of Addictiveness" (http://paulgraham.com/addiction.html):

"We'll increasingly be defined by what we say no to."

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