skysight-inc/HackerNews huggingface dataset:
It's pretty obvious that banks do not act in the public interest. I'm not sure why anyone would expect them to. They are for-profit corporations and they will do everything within the law to increase those profits.

The US regulatory strategy with respect to banking is to limit the interest they can charge (often to a level below break-even), limit the set of customers to whom they can make loans, limit the terms on which loans can be made, require them to do business with a particular central bank that does not pay interest, require them to hold a certain amount of capital in forms that you dictate, prohibit them from charging fee A, then when they start charging fee B (legally) instead, prohibit that too.

Under the circumstances, I don't see why anyone should be surprised or upset that they then stop charging fee B and start charging fee C instead.

If you want the government to do something that would actually help people, you should be looking at all the laws that effectively prohibit the use of cash. Or the laws that in many states require doing business (with fees!) with a bank in order to get paid, or to take advantage of public assistance programs. Start by accepting that banks are not charities; they are never going to act the way you would like. What you can do is to give people good options that don't involve banks at all, then let the market sort it out. When you force people into banks, you're setting yourself up for disappointment. You will never be able to regulate away every last way to make a profit, and if you did manage to do so then you would rapidly find yourself without the ability to conduct any transaction -- because you've legislated everything into the banking system (where you can watch it and dictate to everyone in world). It just doesn't work.
Yes. We need to move to a system of paying market prices for education and end all this easy money. Let colleges compete for the dollars and a diverse market of educational choices at many price levels will appear.
And how were they ever able to develop a culture?
They'll get there. They aren't burning through money, they don't have any: they're not a properly formed company, just volunteers. It'll get done when it gets done.
Don't forget to read all your EULAs!

Not everyone can afford to educate themselves on every consequence of every interaction with a corporation that is actively trying to obscure those consequences. I'm generally not ignorant, and I naively thought last week that if I transferred some money into a checking account on the same day that a payment was taking the balance below zero, I'd end up positive when the transactions were run at the end of the day. I got dinged $35.
I wish I could give you a definite answer. You are going to get a motor and test. Feel free to continue the conversation over email. Ill do my best to help.
The punchline:

> To help limit adverse selection, the government might also gradually withdraw subsidised loans, which the best students will usually prefer to equity. The main role for government would then be to help to collect payments through the tax system, as the administrative burden of monitoring incomes would be too great for investors to bear.

"Ultimately, this would only prove profitable if the government didn't compete with us & instead did all the legwork on our behalf."
I agree, that is shameful. Each year I take a week of from work to care for my 2 children when my wife goes out of town. Hardest week of my entire year!
no...each should be very careful...in my case, I was dead right twice. The third was a wash, and is why I don't bother unless I'm 100% certain (which I wasn't, the third time)
Richard Branson Leads $28M Funding Round for Ring
This title should be changed, as it is not the title of the article and even more importantly seems to be pure clickbait.

No source is cited for $37 billion in overdraft revenue and even if that number is accurate I'n highly skeptical that it's the most profitable line-item in a $1.26 trillion dollar industry.
Ah, so if every bank gives a 1000 page boilerplate "contract", and they all entail usurious fees, it's just the person's problem because they should have known?

Well, fuck that logic. All the banks are acting in a cartel with these. And banking is effectively required. Many workplaces require direct deposit, which guess what..... require a bank account.

Banking should be boring, simple, and hassle free. Contracts should be simple and readable, and not filled with dense legalese and caveats that say "tl;dr: we can change anything we like whenever we like. oh and we post it underneath a rock".
Wouldn't a better idea than washing be to put them in the sun for a while?
They're not loaning it to the Fed, they're borrowing it from the Fed and loaning it to the Treasury. By doing it this way everyone gets to pretend that the Fed isn't the entity buying government debt, and so it's not "monetizing the debt" and therefore -- somehow miraculously -- it isn't outright theft.

Ultimately though it's not as though banks are making the decision to loan to the Treasury at very low rates all by themselves. It was coordinated how the money flows would happen and it would do two things: allow the banks to repair their balance sheets through "free money" loans and also help the government out of a bind where there was nobody to buy their debt that they desperately needed in order to fund expansions of social services during the downturn.

Personally I think that it's pretty immoral to steal from savers to bail out borrowers, but that's because I'm a saver who's been locked out of the housing market by not having gotten in prior to prices going 2x, 3x, 5x or whatever. Ultimately I think the whole thing is going to end very badly, but of course I have no idea how long it'll take. It might take another 2-3 years, it might take another 20-30. No way to know how long the speculative mania will last.
I could probably crank out a workalike clone of DOS 1.0 in a week or two :-)
I'd like to kindly challenge the notion that you can't integrate R into a web application. I've started using R to power jobs that are used by a large web application. The R packages httr or RCurl make it pretty easy to make http requests -- (enabling me to send things to a web server to be consumed into a database and run by back-end code). It's also possible to prepare data in R and then send to a space like S3 with a System("s3cmd sync some-data s3://some-data") call. I've also been using Python a good bit lately. I don't see either has having a universal advantage for a data pipeline.
Also I tried to design this based on real-life applications. Digital artwork is never designed to be produced physically, and physical artwork is done physically with real-time feedback loop from observing the brushwork and colors.

That being said, turning digital artwork into physical is still an interesting problem domain since artists can't be expected to all come wield my machine. I'd like an artist to be able to remotely work the machine in some manner.
I'm not an expert, but they are obviously better. Paper decomposes fairly quickly (in comparison to plastic), and most paper products are made from paper tree farms, not hardwood forests. In addition, some of the paper used to make the brown paper grocery bags usually comes from recycled paper, not wood. Tree farms plant fast-growing trees, and then replant continuously, so the net effect on the environment of using paper is actually very low. Ultimately, the net impact of paper bags is the extra CO2 involved in transporting the bags around during shipment from manufacturing, recycling, and to their destinations, at grocery chains. This seems low compared to the footprint of plastic, which is made from oil products.
With or Without You – U2 – Cover by Randy Farrell
I worked at a company that developed hardware (check scanning) and software for banks. _Every_ bank wanted the feature that batches transactions on accounts from largest to smallest, to maximize the overdraft fees. That was in 1994 so it has been going on for a long time.
Sounds like what I assume bankers tell themselves to sleep at night. Ya know - they're adults that should have known better. $50 is a modest fee to charge for teaching them a lesson. They should thank me. If they just got a job and stopped being poor, they wouldn't be in this situation to begin with. Takers.
Phrased as perceived. The author is probably too young to appreciate what his mother likely did for him. Becoming a parent has a tendency to change your perspective on parenthood.
the push thing...can it be done automatically, so that the stack saves each address i visit through the browser.
I don't think there is any bag which will offer perpetual use. Everything wears and degrades over time, be they plastic, canvass, burlap, nylon, etc.

What matters is cost (environmental as well as production) and incidentals like whether they can suffocate children or sicken people by providing pathogen habitat, or even aesthetics (disposed on highways).
Try 64K on a PDP-11. Or writing assembly to fit into (say) 16K of ROM on a Z-80 or 6502; that's terrifying, because ROM is forever and you do a 6-8 week spin if you make a mistake. (EEPROMs? Sure, at about 8X the cost of a ROM).

Mostly you'd be up against:

- No Intenet to look up reference material. For that you have books. I'm not sure how much of a revolution the online Unix man pages were, but I'd not worked on any other system that had that kind of documentation. Hope you have lots of bookshelf space (I did :-) ).

- No GUIs anywhere. There was Emacs, kind of. Mostly you got along with ed and regexprs.

- Frustrating toolchains; pre-ANSI C, with 7 characters of significant symbols on earlier systems. I don't remember if any Unix debuggers had symbol information, but they were all command-line driven at the assembly level, with no source information. That's okay, you could pretty much tell where you were by the assembly, because the optimizers were terrible.

- Email? Hoo boy. Might as well just go across the hall to talk to somebody, because unless you were on ARPANET that's about all the farther your email would get.

It'd be frustrating, but kind of fun.

Nice things:

- Tinier software. You've got skillz dealing with hundred thousand line programs. Things were smaller back then, mostly.

- No security worries. I don't know whether to laugh or cry, but DES was pretty controversial (the whole 56-bit key thing) and US citizens couldn't say anything to foreigners about crypto. No network, no crypto, right? (Unix passwords were encrypted with a rotor engine similar, and I think that salts came later).

- Boot times are about the same then as now. :-)
One of the interesting things about high level athletes is that their routines are often terrible and they are succeeding in spite of not because of them. People with even an intermediate understanding of weightlifting and program design can easily point out massive flaws in many top NCAA and professional training routines. The philosophy tends to be when you are working with monsters it's better not to break them than it is to train hard and risk injury (which I think is idiotic and ultimately leads to far more injuries, but who am I to say). So looking at this guy's routine probably wouldn't help you anyway.

As for diet, the vast majority of a professional athlete's diet comes down to getting enough protein and carbs, with minor tweaks for individuals around things like meal timing, micronutrient content and fiber content. A great place to start for a 200lbs male is 220g protein/250g carbs/50g fat/30g fiber.

Sorry I know that's a disappointing answer, but I can tell you the real answer isn't that much more interesting. Elite level athletes certainly work incredibly hard, but great genes are still a prerequisite.
How is that different from selling your startup's equity? Would you prefer to start a business on a loan?
One thing missing here: Matlab syntax is actually very close to modern Fortran. At least twice I've written Fortran code (for Monte Carlo simulations; different contexts) by overwriting Matlab code adding types / general verbosity / fixing the syntax of do-loops / etc.
Domains for sale- make offer
I've had these 2 domains for years & keep thinking I'll get around to developing them, but it never happens. So I'm looking to just sell them off. They're on Gandi.net, so you'd have to create an account with them for the transfer to go through- no biggie.

They've both been registered for 10 years, so expire in 2020+.

nocturnalfeast.com subsonicsoftware.com
We're excited by the code coverage profiler. Would probably help a lot with promises and async stuff.
Not yet sure about the type annotations... give it a whirl in Safari and holler my way if its being awesome.
Absolutely. However, it is important to note that there are a very large number of obese people who don't eat sugar.

So sugar, while deservedly notorious, is far from the only highly significant factor, yet it sometimes receives 100% of the blame.

One of the several problems with that is that, due to popular perception, many will swear off sugar and yet still be unable to drop to a healthy weight.
Again, this sort of reasoning allows every institution to open the doors to maximize the chance that vulnerable people fail in order to capitalize on it. There are many, many, many more traps in the world than overdraft fees for vulnerable people to account for.

Governments, banks, employers, etc. are all hostile towards people.

Every detail you have to track in order to not get fucked is a liability The silence on your part on what responsibility our institutions have for the people they serve is deafening. What you don't say tells me as much about your worldview as what you did say. It's all boring as hell, trust me.
So, in other words, just the average across the population?
I don't feel that I'm a weaker counterparty. If I find myself feeling that way in a relationship, I am going to renegotiate its terms or end it.

The problem that you Progressivists have is that you cannot distinguish apparent power from real power. A bank may be evil, but its power over you is illusory. You are still free to terminate your relationship with it at any time. Real power comes only from the ability to use violence, which in the developed world is associated primarily with the government. That you cannot tell the difference between a tax assessed by the government and a fee charged by a commercial entity as part of a voluntary business relationship is the reason for your confusion and frustration. And mine as well.
Not a fan of CodeCademy. Other than the obvious (look who's backing them) though unacknowledged objective of flooding the market with low-quality devs to suppress wages, I've seen too many complaints from users to the effect of "I completed all of the exercises, but I feel like I haven't really learned anything."

Too much hand-holding. A good book, a comprehensive tutorial, or even just reading the documentation still probably works best.

In fact, this training wheels-tutorial system, regardless of its effectiveness, fits perfectly with their goal of devaluing software engineers (whom they deign only to describe as coders); after all, if "Coding is sooo Easy!!!" it shouldn't require one to read dozens of thick books, right? Just playing a sort of game and "leveling up" every now and then should suffice. Then you too will be a coder - and Zuck will be richer.
The other day I took a picture of a check that I received, with their phone app. They credited the check to my account immediately. Not "pending," it was in there with no unusual note. I assume it would have been on me in some way if the check bounced, but still.

If you're eligible, you should join USAA.
See, this is an instance of the bank clearly being a dick, for lack of a better term. The money was there, you were being responsible, you still got dinged. This is wrong.

Now, how much do you want to bet that's not the case on some high-90s percentage of overdrafts?

The comparison to EULAs is specious at best. It's not like it's some legalese small print buried halfway through a lengthy document - they're disclosed separately and prominently, in part, because they're legally forced to.
Interesting. In my own experience trying to implement the same image processing algorithms in Matlab vs. numpy, the work took about the same amount of effort any time arrays were limited to 1-2 dimensions, all the code was simple numerical stuff, and it wasn’t necessary to break the code up into multiple functions.

The Matlab one-file-per-function thing, the lack of namespaces, and general lack of code structuring primitives makes it much less pleasant than Python for programs bigger than about 100 LOC though.

Dealing with higher-dimensional arrays, more sophisticated plotting, data munging, string processing, interfaces with external systems, etc. all left me banging my head in Matlab though, whereas Python makes it all a breeze.

Numpy’s broadcasting feature is also super nice, compared to wrapping everything in bsxfun calls in Matlab.

I wonder how much the @ operator in Python 3.5 will help students. Hopefully numpy can deprecate and phase out their "Matrix" object, and end the confusion about the meaning of basic operators.
High carb intake is associated with an increase in LDL in obese populations that consume a high amount of processed sugars. The starch diet is not a diet high in processed sugars.

http://www.ncbi.nlm.nih.gov/pubmed/9805219

I don't understand why you would pick a diet that is known to raise LDL levels when Dean Ornish and Caldwell Esselstyn are using a plant-based diet to treat those with cardiovascular disease with great success.
Personally, yes, but I tried about 5 years ago.
Will Your Job Be Done by a Machine?
A detail such as "don't spend money you don't have"? Violating that principle will get you into trouble in ways that go far beyond checking accounts.

Are gun manufacturers to blame as some part of power structure when you point it at your foot and pull the trigger? If not, why?
Never never never bank with the big national banks like Chase, BoA, etc. Find a local bank or credit union, they are generally much more reasonable with their fees and penalties and often have free overdraft privileges (with some caveats -- understand those!).

Never set up automatic payments directly from your bank account. Pay your bills manually, once or twice a month whatever fits best with your cash flow.
I guess if cash is speech then cash can be a person too.

Can I send my cash to jury duty? :)
In Hungary this thing is not uncommon for shopping:

http://www.kosarhaz.hu/upload/product/44/2001401200004_adxn....

Although mostly the elderly use it. Arguably it's not as practical as a foldable bag and much more expensive too.
Bingo. It makes the overdraft worse.
I'm not a 'progressivist'.
Doesn't matter. Even if Wikipedia would be full of outright lies it still won't justify censorship and blocking. But considering your argument, now it at least makes sense why the Absurdopedia was blocked among the first sites, hah. /s
> In reality, if you're using a machine that's owned by your employer, you should always assume that everything you do is being monitored at all times, regardless of what operating system said machine is running, because chances are in favor of that being the case. Expect at the absolute least some sort of web traffic monitoring (probably via a corporate proxy); in some cases, I've seen companies install keyloggers (and, in fact, this is the "legitimate" use case for keyloggers, remote administration tools, etc.).

It is one thing for a company to do so. I really really doubt that companies are OK with microsoft having a copy of all activity from all their employee's workstations.
So let's follow up on the conclusion, now that you've gotten unreversed. Apple pays less for the phones and becomes more profitable. Foxconn or whoever sees a rise in demand due to their effectively-lower prices and has to raise the prices for the next contracts they sign with Apple and whoever else, but not enough to completely compensate for the lower RMB price, so Apple still wins. Foxconn wins too, since their volume and profit margin is higher than before. Who loses?

Well, Chinese consumers lose, because the phones Foxconn is assembling now cost more renminbi. Samsung (in Korea), TSMC (in Taiwan), and Intel (in the US and Israel) lose, because their competition in Mainland China was just able to lower their prices. In the long run, possibly Apple loses because Foxconn is in a better position to stop being a mere OEM and start competing with Apple directly, just as Microsoft did in the 1980s.

And that's why people have been worried about the RMB devaluation sparking a wave of currency devaluations as governments and central banks attempt to stay competitive with China by applying whatever leverage they have.
Or when you turn on the TV.
Yes, of course :)
He mentions one in the video, namely corrosion.

I'm sure there are other drawbacks as well. In fact the strength--which is seen as a benefit here--could be a drawback in a different application.
A better idea is to force schools to underwrite student loans and keep at least a substantial portion on their books. And get rid of the rule against discharging student loans in bankruptcy.

Then schools will have a disincentive to saddle students with giant debts in exchange for degrees that make it difficult to pay them off.
Another issue that nobody talks about: how to pick up dog poop without plastic bags.
Drone delivery of porn, pot, gun to Md. prison foiled
Is there a list of the removals/alterations requested by the US government (and granted as indicated in the official statement)?
Ireland (ROI) is a bit different as most shops have completely got rid of the thin bags, meaning you have to buy the thicker reusable bags. I was living there just after they introduced the ban and hardly ever rembered to take the reusable bags (I usually got shopping on the way home from work), so had to buy a new one each time. The only thing I used the reusable bags for was storing other reusable bags at home...

I prefer that in the UK you can still get them but you have to pay a small fee. The thinner bags can be reused in rubbish bins etc and easily stored in your coat pocket.
It rarely happens. Like cops shooting unarmed people in the back, it isn't something that you really need to worry about.
How did they accomplish anything without a daily scrum meeting???!?!? They were so waterfall and not agile.
It's not a failure if you make plastic bags or you're a retailer.

Do they charge you for a bag in Chicago?
Mumbai banned plastic bags and ruled that shops levy a 3 rupee surcharge if you wanted a plastic bag. For comparison a cup of tea on the street is 7 rupees. Mumbai during the monsoon season faces 3 months of torrential downpour, and the plastic bags would clog up public drainage systems and was one of the main causes of small scale urban flooding. Post-banning the plastic bags, things have changed for the better - significantly so.

Edit: added reference below.

There are many articles around this and one of them is:
https://books.google.co.in/books?id=KyRzAwAAQBAJ&pg=PA571&lp...
I really wish Telegram or Whatsapp was more used. I stuck using kik which is such a terrible app. No web interface and if I need to sign into a different account I lose all chat history.
Well, that one night. He's logged another 19 hours so far today.
It's been interesting to watch this story unfold. Twitter is a broadcast system and therefore has many (useful [and not useful]) bots. These aren't users, but not all of them are spam. It's a simple counter-example to show that simple user (and engagement) counts will almost certainly be misleading. Twitter is in a big-time catch 22 with reporting here. It'll take skill to report a qualitative aspect like engagement with a quantitative metric (like they're expected to).
No bitcoin payment option? I'd take one right now! Get a free pay button there (https://goo.gl/QRtxwb)

*Edit, just noticed is some checkout system. Here is the payment http://ckte.me/wy7x3drq2ke PM me on twitter (@nvk) for the PIN with the link to PDF :)