skysight-inc/HackerNews huggingface dataset:
Err, their explicit practice is to send through ALL purchases; that's sort of the point of milking the overdraft cow.

The person doing the reordering is exactly the same one setting the charges. The reordering is done to maximize profit.

"Bob, here are five transactions. You must process them all sequentially. No law regulates the order you must process them in. They were received in order A,B,C,D,E, however you need not process them in that order. Processing them in the order C,D,B,A,E maximizes the profit for us, your employer. What order should you process them in, Bob?"
There is a cognitive overhead to managing every predatory relationship. The poor have to deal with many, many predatory relationships all the fucking time. People make mistakes and extremely powerful people and institutions exploit them as much as they can when they do.

Good on you for being able to say that you were poor, in the past tense. I'm glad. I don't think people are stupid just because they stay poor. When you call people stupid because they suffer and can't catch their breath or get their affairs in order because human institutions are structured in the most hostile, alienating, predatory way they can get away with, you start seeing stupidity wherever you ought to see compassion and empathy.
Not for long, the Wikimedia Foundation intends to implement HPKP:

https://phabricator.wikimedia.org/T92002
Let students study for free. Germany did this, why not your country?
Octave/Matlab are "great" but good luck trying to integrate them
into a production web application

What problems are you facing with Octave? It has, in fact, been integrated into a couple of production web applications I know of:

https://octave.im/

http://octave-online.net/

https://www.rollapp.com/app/octave

I have promised a while ago to improve its Python integration so that Python and Octave can be in the same process (there are lots of advantages to that kind of tight integration instead of relying on parsing output through pipes). Perhaps that could help you?
Hi to all the other solo devs out there! I've been building http://moonman.io/ mostly by myself for 4 years now, writing all the code (roughly 100k lines of c++) as well as creating all the earlier art and design. Earlier this year I was lucky to be crowdfunded enough to hire an artist and continue working on the game.

On projects that span years you find that you're not actually working alone, you're collaborating with your younger self. A younger self who is more naive, more optimistic, sloppier, and who leaves funny comments for you to stumble across years later.
Sounds like victim blaming. To an extent you're right, but the situation is not at all this black and white (like anything in reality).

Take for example just the fact that it's easy to lose track of your current savings especially without ready access to the internet, a common situation for the low income.
Navy Federal CU is also very good, it may be worth checking their membership requirements.
RoboCop Hack Cheats Codes Android/iOS No Survey
Have you found the Octave GUI to be unusable?
Poor kids have a much higher risk of not finishing their degree, even adjusted for scores on aptitude tests: http://www.nytimes.com/2014/05/18/magazine/who-gets-to-gradu... ("Take students like Vanessa, who do moderately well on standardized tests — scoring between 1,000 and 1,200 out of 1,600 on the SAT. If those students come from families in the top-income quartile, they have a 2 in 3 chance of graduating with a four-year degree. If they come from families in the bottom quartile, they have just a 1 in 6 chance of making it to graduation.")

A rational bank would charge much higher rates to a kid from a poor family than one from a rich one, and would be justified in doing so by the statistics. The question is: do we want to live in that kind of society?
They just recently banned the bags here in Chicago. I was disappointed that when I went to the store today they gave me a thicker plastic bag with "re-usable" printed on it.

It seems like an idiotic misinterpretation of the entire point of banning bags. What kind of BS political spin-job have we gotten ourselves into?
Udacity has one: https://www.udacity.com/course/intro-to-relational-databases...
Power cleans are great, but they also feel massively simpler than clean and jerk. I picked up power cleans on my own, but I don't know if I'd dare try to teach myself clean and jerk without a coach.

EDIT: It also really annoyed me to see how they described power lifting vs. oly. As if you don't need core and leg strength and for deadlifts and squats. And for that matter most power lifters will practice additional lifts like overhead press too (or power cleans..)
>$ fix network
> Your currently specified nameserver, 104.105.10.11, is pingable but not responding to DNS requests. Try putting in 8.8.8.8.

or

>$ detect usb

>You recently plugged in a device with an ACME-1000 chip. You need to install the acme kernel module and try again.
For someone who has never programmed before, Matlab may be more
intuitive.

Yes, this is Matlab's target audience: programmers who will not call themselves "programmers". In recent versions, they have tried even harder to hide the code away from the user, by trying to make everything work by clicking on buttons. I have heard from many Matlab users call themselves "not a programmer". They don't feel like writing software is what they're doing when they're using Matlab.
Yay! Indentured servitude! It's the next best idea if we can't have slavery!
In Australia, one can obtain government funding to pay for higher education -- this is a heavily regulated system of government loans.

For example, suppose after your studies you have accumulated a "debt" of AUD $X. There are a few options available:

1) you can leave Australia and never pay it back

2) if your annual taxable income remains in a very low bracket (< AUD$54k / year), you never have to pay it back

3) if your annual taxable income sits in a higher bracket, the tax department takes a chunk of your income in addition to the usual income tax. This scales from 4% of your taxable income through to 8% if you are earning > AUD$100k / year.

The debt itself is tied to the consumer price index and has no further interest applied.

I do not have much knowledge of the grim details of this system, or alternatives, but from my perspective it seems pretty reasonable. Student debt can be okay, if it is appropriately regulated.

More information here: https://en.wikipedia.org/wiki/Tertiary_education_fees_in_Aus...
The use of "DPI" is frequently has a buzzword-like nature, which could mean literally anything from real DPI to transparent and semi-transparent HTTP proxies and sometimes even DNS spoofing techniques.

The bad thing is that some ISPs MITM (with obviously invalid self-signed certificate, not even matching CN/DN of the domain being proxied) instead of completely dropping all tcp/443 traffic.

Not that it's bad intent to try to provide access to the non-blacklisted pages, but it's an absolutely harmful practice of teaching users to click the knobs "aw, ignore those errors, I want to read the site".
Man this is very cool to see. I know part of the reason the US has been traditionally been subpar at Olympic Weightlifting is the lack of emphasis at the youth level. That said, my understanding is American coaches are leagues behind the rest of the world in understanding how to train oly lifters. Hopefully this kid has a good coach.
A. Use small claims court. I have. It is very successful. The more who do it the harder this abuse will become.

B. It is the banks responsibility to maintain an accurate accounting of funds deposited with them.

A customer has no mechanism to instantaneously check their balance, and 'hold' funds for a transaction, or if unavailable avoid the transaction.

The bank does. It is the debit card system.

They, not you, are responsible for using the systems they have to avoid accounting errors.

No one should be made to feel guilty because they are poor, or for failing to keep a ledger that only a bank has the ability to keep.
Navy Federal CU and Pentagon Federal CU are both awesome and it's a $25 membership in an affiliated charity to get a membership.

The really elite one to get would be Tower Federal CU (the NSA's credit union); there is an affiliated nonprofit, which I joined, but then when I applied to open an account, I was declined. Oh well.
Android Studio has been the reason I've made $200+ of JetBrains purchases for personal use. I hope it's working out well for them.
Hackernews email notifications?
I'm fairly certain editing sperm or eggs is going to be even more challenging than an embryo---think of the effects of meiosis alone.

Contrast your prediction of elective eugenics for offspring with my own for autologous bone marrow transplants for sickle cell anemia: sickle cell is a single point mutation, there's a lot of tissue that we can sequence and work with, you don't need to transform anywhere near 100% of the tissue to get a good therapeutic effect, and we already do cure sickle cell anemia with bone marrow transplants given the right circumstances. All of that is in part why I think you are completely wrong with your prediction.
Let's talk about the word "accidentally".

Suppose I drive to a bar, have three beers, and drive home. I don't bother to check my BAC; I just assume I'm below the legal limit and can drive safely. On the way, I accidentally run over a budding young Progressivist on the street, who then dies. When the sheriff shows up, he finds that my BAC is 0.09 -- just over the limit!

Surely, you will agree that any penalty I am assessed for this should be minimal. After all, I did not intend to kill anyone. I did not think I was drunk. Sure, I didn't bother to check, or to assume the worst and take a couple hours' break before driving. But it was an accident. I didn't know that I was over the limit. Maybe I hadn't even read the law, and didn't know what the limit was, or what the penalties would be for exceeding it. Obviously, any big, mean, nasty "justice" system that would impose a heavy penalty on me for this act is evil and unethical.

Right?
I believe there is now a national banking regulation in effect that requires all credits in a day to be processed against your balance before all debits. So in your second situation, at least, you would no longer be hit with fees.
USAA isn't a bank, it's a credit union. It's "field of membership" is uniformed military and their families.
Can any one comment if paper bags (with handles) are batter, worse, or about the same, for the environment?

Also, single use bags do not have to be single use. I collect them and use them to collect my trash, pick up after my dog, and cover up food in the fridge. Do people really just come home and toss those plastic bags away? Just curious.
Realistically, if your choices are the police who might rob you, and bankers that will rob you ...
It's as if one can't legislate away every problem.
(Disclaimer: I also work as an engineer at Toptal and I love it)
It's true they are making money on me, but I'm making good money as well, so what's the problem? Also for example, if I'm charging the same as someone who is living in the Bay Area, why do you think a US Startup should hire me instead of him? Developers in the US have the advantage of being in the middle of the culture which I don't. So even if I have the same expertise I can offer my service at a lower rate because (1) the "lower" rate is still very good for me, (2) the number of developers in the US won't grow significantly overnight but if the world is considered, the hirable pool becomes much larger.
I guess it means that the particular bag can be used more than once, a handful of times perhaps, before being thrown out. Not all reusable bags mean perpetual reuse, some just mean more than once.
Technically, the cash is guilty not you.
Maximum size for bodybuilders at least correlates to wrist circumference, so that could be true.
The even crazier thing about your example, is that they have different offerings for their high net worth" clients, and with those offerings, the structuring is usually much more in the favor of the client than what someone walking in off the street will get.

Essentially, a poor person will be charged higher fees than a rich person.
They also transact debits before credits, so if you realize you made a purchase that will overdraw you, you can't deposit money right away to avoid an overcharge. I've gotten hit with low balance fees for that with PNC. Yeah, no, not overcharge. They didn't like that I very briefly had $5 less than $2000 in the account.

They call it "maintenance". Like an account at $1995 needs some screws tightened or something. This isn't the 1920s. There isn't some clerk somewhere checking ledger sheets. It's all digital. It doesn't matter what value is in there. It's just a bit pattern.

In other "you have got to be fucking kidding me" moments, I once got charged a late payment fee on a loan that said I owed $0 that month because I had been making payments ahead for several months prior. Had a rainy day, needed some extra cash, figured since it said "you owe nothing this month" that meant I owed nothing that month. Apparently, buried deep in the promissory note, there is a term whereby I was required to pay a certain minimum every month, regardless of what the statement said.

They then used this as an excuse to jack up my interest rate. Aren't student loans grand?
Feelings when selling
Wasn't the law changed so they can't do this any more?
CA private key won't help classic (passive) DPI systems. You have to perform active MITM attack.

And if anyone's aware of any ISP anywhere in the world, doing a MITM with a certificate that passes validation, they should really shout about this as loud as they can (or at least whisper to someone who can shout), because it concerns virtually everyone on the Internet.
> The idea is interesting, actually, it's better to sell your student equity than to get into debt.

Only if you don't expect to make a high income.

I personally would never sell equity in my income when debt is available.
Hell, at that point I'd do one $0.01 deposit every week, just to cost them more.
I've been with them a lot longer, my parents decades. Never had a problem with them.
For awhile Bank of America did the exact opposite, ordering transactions each day from largest to smallest to maximize the number of overdraft fees. Fortunately that truly evil practice was put to an end when they lost a $410 million class action lawsuit.
Where do we put the money?
Would they want to be employed in such an environment?

Imagine spending long hours trying to fit your code into 128k?
And plastic bags fit that category easily. e.g., I've been using the same run-of-the-mill-grocery-plastic-bag to bring my lunch to work for the last several months. We otherwise store all our grocery bags in a tiny cabinet for reuse whenever convenient.
For anyone interested in yet another opinion, I've had good experiences with my young daughter using the Wonder Workshop robot as an early programming introduction. It has pretty solid hardware and relatively flexible programability: https://www.makewonder.com/
Show HN: Aura, Native OS X Notifications for Gmail and Google Apps
If that is the case, then PNC hasn't got the memo yet.
May want to try MOMO realtime stock discovery. (Www.mometic.com) Streams highs and lows to your phone. Not aware of any other app that helps you find stocks that are breaking out. /still need a trading platform. Has super fast push alerts too, fwiw.
I'm trying to provide something other than Progressivist claptrap, in the desperate hope that some young people will read this and understand that there's more than one viewpoint in the world, and that some of them actually treat people like human beings rather than victims.

As for the substance of your complaint, I do not agree. Yes, I can certainly imagine various excuses. I can also imagine accepting that mistakes often have consequences, and that being $55 poorer is a rather modest one, all things considered. It's fine to curse a little and be upset. It's fine (good, even!) to change banks afterward. But the level of hatred and entitlement in this thread is simply not justified by the balance of behavior.
Basically a values thing that they are dedicated to military personnel and their families. Some of their products are open to everyone (IIRC), but most are limited to military, spouses, and immediate family.

From Wikipedia:

USAA was founded in 1922 by a group of U.S. Army officers to self-insure one another when they were unable to secure auto insurance because of the perception that they, as military officers, were a high-risk group.
What is the purpose of being so overly pedantic? It's all over this thread.

"A rose by any other name would smell as sweet..."
The second most important thing (startups)
wow - i have never seen this. thanks for the links! (i take back my octave comment). that would help me
As a college student, I am assuming that you didn't have much money, but also likely had rather limited expenses. To the family with children that has $50 to their name, a rent payment, childcare expenses, etc, most of which they can barely afford already, an unexpected overdraft can be the trigger that sends them off a financial cliff.

Poor people often make very bad financial decisions. But so do rich and middle class people. The difference is that the poor people have no one to turn to for help. Exploiting that may not fit the statutory definition of robbery, but it meets it in every other way I can think of.
Is it just me or are they not smiling in any of the pictures :(
Hey, you may want to check this out:

https://stack-todolist.herokuapp.com/

It's an application I wrote as I was learning Go.

It's a "bookmark stack". You want to save a link? You push it in the stack.

You want to read something interesting ? You trust your past self and pop something from the stack.

One of the ideas is not to know what's on the stack until you've popped it out, and get used to read a page carefully once it's popped, and not to stack links "indefinitely".

It a bit WIP, but feedback are welcome.

Next thing on the to-do list is bootstrappizing the general look&feel.
> The evidence shows that people don't value reusable bags highly enough.

This is an incomplete thought. The more complete thought is: "The evidence shows that people don't value reusable bags as highly as I think they ought to due to my own personal preferences."
I've personally experienced this, so frustrating!
Yes, it's is 100% victim blaming, because for god's sake, at what point do we expect grown adults to take some friggin responsibility for themselves?? Puh-lease, spare me the "easy to lose track" garbage. It's never been easier to keep track of one's finances, and that's before even considering an internet connection. If your budget is that tight, maybe, just maybe, actually closely tracking your bank account should be a priority, no??? One would think. God knows that's how I was when I had almost nothing to my name.

I don't like the banks playing games with this stuff and I'm glad most (but not all) of their bs got stopped. But my god, when are we going to hold adults accountable for just basic life skills instead of insulting and coddling them? Ever??
The description says it's good for "low rotational speeds." It seems to have a very small step angle. Would it be fast enough to drive smooth 1:1 motion? For example, the current motor is really smooth if the movement area is small enough.
I do find this to be disgusting, but I'd like to point out Wikipedia articles have become quite biased in the past years.

If content was based on purely factual information and opinions were contrasted/highlighted, Russia would have a much harder time finding a suitable argument.
> Many countries already do this.

I don't think I could name a 1st world county that doesn't do that.
You seem to know an awful lot about my worldview based on nothing more than a statement of the completely true fact that these wounds are almost entirely self-inflicted.

"Minefield"? "Don't spend money you don't have available to spend, otherwise bad things will happen" is a principle that most people are taught as children.

You seem to conflate the ideas of personal responsibility and the idea of deserving whatever gets thrown your way. We can talk about how crappy the idea of overdraft fees are all day long, but at the end of the day, it comes down to "doctor, it hurts when I do this", the response to which is "don't do that, then." The mechanism of the pain might be the result of a bad actor, but it's still your fault for inflicting it in the first place.
I don't have strong feelings about a plastic bag ban, but the one thing that sort of surprised me after living in San Francisco the last few years is that I take far fewer plastic bags when I have a small number of items. I'll just opt to carry the few items in my hands instead. It's gotten to the point where every time I travel somewhere without a bag ban it just feels weird to get them for free.

Like I said, not something I have strong feelings about either way, but thought it was interesting that it did change my usage habits.
>Estimates indicate that, for adults, the association between cigarette taxes and either smoking participation or smoking intensity is negative, small and not usually statistically significant. Our evidence suggests that increases in cigarette taxes are associated with small decreases in cigarette consumption and that it will take sizable tax increases, on the order of 100%, to decrease adult smoking by as much as 5%.

http://www.nber.org/papers/w18326
The moral of the story is to gather evidence.

When you go report something to HR, the HR rep always writes things down on paper. Why do they do that? In case things go to court.

Write down on paper what everyone says. Otherwise is your word vs the manager's. Employees will not win in a case of he said she said.
Despite things like Upstart sounding cool, selling equity in higher education is actually a horrible solution to the wrong problem.

The problem in higher education is not that it's hard to get loans, it's that doing so is far too easy thanks to government subsidies on both sides. (Like healthcare, spending other people's money is a great way to guarantee runaway costs.)

A much better idea would be to eliminate the subsidies and guaranteed public lending entirely, thus removing the funding for negative-return for-profit universities.
If this guy would just open source his diet and routine that would be great. I wanna see how hard it is to copy his habits
Thought this was /jokes in reddit and was looking for a punchline.
The greatest that you know of.
99% of their dumb ideas died a natural death before they managed to utter them to another human. The way work should be done.
Exactly what kind of choice is it if banks aggressively pursue strategies to make it impossible to determine if you have sufficient funds in your account? "You have a choice to go through Door A or Door B. One door will brutally kill you, the other has pizza and ice cream." There! Aren't you happy? You have a choice!
That is true, but you can't infer they didn't enjoy their jobs.