tnicola

13 ms·

1.
by tnicola 14y ago
Not always. If you were 45 and entered the market in 2008, you'd be in a great shape now, probably better than a 20 year old who entered the market in 1999.
2.
by tnicola 14y ago
You are completely correct. You should always look at the performance. In fact, you should be focused on your own performance. I was merely displaying the parts of that performance and illustrating that one part of it is far more volati
3.
by tnicola 14y ago
Yes, the S&P is diversified in the stock portfolios. What I meant was diversify into things like fixed income vehicles, first mortgage securities, real estate income trusts etc. And yes again, most investors came out much worse over the
4.
by tnicola 14y ago
S&P 500 Price has returned -1.5%/annum on price alone since 1999, while S&P 500 dividend return has been 4.9%/annum over the same period. Longer term, since 1971, S&P 500 Price has returned 6.3%/an, while dividend has returned 5
5.
by tnicola 14y ago
"App Store has remained a high quality experience" Show me a dev that thinks that App store is a high quality experience and I will show you an Apple fan boy! :-) "Her real problem is a lack of decent web developer" She is a WRITER. Her bus
6.
by tnicola 14y ago
2 + 2 = 5; for large values of 2.
7.
Neil Patrick Harris' team ensures Twitter API accuracy(parnassusgroup.com)
1 points by tnicola 15y ago|0 comments
8.
by tnicola 15y ago
This is not going to add much to the conversation, but.. Urgh!
9.
10 proven ways not to innovate(business.financialpost.com)
1 points by tnicola 15y ago|0 comments
10.
by tnicola 15y ago
As a hiring manager, I disagree with this somewhat. Deselecting people based on the fact that they did not send you a thank you email is, imho, quite foolish. 1) It assumes that the hiring manager is holding all the power in the interview
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What Is Misogyny: A Male Perspective(heartlessbitches.com)
4 points by tnicola 15y ago|0 comments
12.
by tnicola 15y ago
Yes, you're right. However, given I said it's a place you can expand your knowledge, it's clear that by saying away from teaching environment, that I meant classical teaching (lecturing literally). Sheesh!
13.
by tnicola 15y ago
Leadership is not necessary exclusive of administration and facilitation. Contrary to the intuitive belief, it is not synonymous with 'command and control' and therein lies the issue Joel was trying to expose. Also, being an administrator
14.
by tnicola 15y ago
> Seductively, it even works OK for a three person company. Anyone who thinks command and control is a good idea with 2 other people has got bigger fish to fry than finer points of effective management.
15.
by tnicola 15y ago
'Office hours' are a college term. It's the time that teachers or professor allot for students to go get extra help. A place where your teacher keeps their purse (sort to speak). It's away from the teaching environment where teachers can f
16.
by tnicola 15y ago
This reminds me of that joke from long time ago where there was a machine that recommended potential mate. A woman requested a man of shorter stature, who likes water and cooler climate, dresses formally most of the time and loves to eat f
17.
by tnicola 15y ago
In high school (and I truly hate to be the one to tell you this), it is quite possble that your teacher doesn't know the answer, so he is annoyed at you for asking questions so that you do not expose his/her shortcomings. A lot of high scho
18.
by tnicola 15y ago
> If you asked the same question to a "newbie" on HN I'm not sure they would be so secure to admit the same because they wouldn't know how ubiquitous the company was. And they would be afraid of showing how clueless they were. This woul
19.
by tnicola 15y ago
Why don't you ask your question later, once the client relationship part is no longer in play?
20.
by tnicola 15y ago
I went to school in former Yugoslavia and Tesla was idolized and given duly deserved credit whereas Edison was the guy who invented the lighbulb. We even had nursery rhymes about his inventions. We were also taught that Yugoslavia was a ma
21.
by tnicola 15y ago
If there truly is an enviromnment that discourages asking questions because they deem them as 'dumb', then you need to work to improve such environment. In my experience, the only time questions were discouraged (and almost always in the in
22.
by tnicola 15y ago
Asking questions is not only a trait of smart people, but it is quite possibly the simplest most effective tool that can set you appart in many things. Think about the last time you bought something where you had a great sales experience.
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by tnicola 15y ago
I was hoping someone from US might help, but I'll bite. I think that your best bet is to hire a lawyer and give them power of attorney to do it for you. Especially if you plan on incorporating in US, I would not try to do it without consul
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by tnicola 15y ago
Rock climbing will always give you a rating (bigger premium) if you do it with any kind of frequency. Snowboarding, while somewhat dangerous, is not as deadly and the underwriting has adjusted.
25.
by tnicola 15y ago
Your insurance questionnaire being more detailed had nothing to do with who was the beneficiary of the policy (think about it - why would they care who gets the money), but the fact that the death benefit was probably larger than anything y
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by tnicola 15y ago
That is actually a very good password.
27.
by tnicola 15y ago
I am not entirely familiar with modern day algorithms behind brut force attacks, but the math I described above is the theory behind them. I would imagine that it would have to be in some kind of ordered sequence so that you didn't miss an
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by tnicola 15y ago
Add to that myriad of posts how Zuckerberg's tax rate will be lower than his employees (as if he has anything to do with the obtuse way IRS taxed RSU's). People just take some things on face value and get their daily exercise by jumping to
29.
by tnicola 15y ago
> Pure brute force is a bad metric, every 12 character password is equally good or bad by that standard. This is not entirely correct. If you had 12 q's in a row (or any 12 lower case letters) there would be 12^26 permutations that com
30.
by tnicola 15y ago
> I think we must also work on changing the rules to encourage it. You hit the nail on the head here. What I meant by not come from the top down, I meant that it will come incrementally from the people who will reward it with their sup

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