skysight-inc/HackerNews huggingface dataset:
Ask HN: Financial startup asks for private info via email. Where do I complain?
I've been using the services of TransferWise (http://transferwise.com) to send money to Europe from the US. Their service has work out really well so far, but I'm worried about their approach to obtaining additional information for their fraud detection/customer verification service.

Recently after initiating a transfer, I was asked via email for "... a screenshot from online banking, a bank statement or a check showing both names of the account holders" and "... a screenshot from your online banking or a payslip, we would need to see your bank account number, the date, amount and TransferWise as the recipient...". All of this via email!

When I responded to their customer support with my concerns about the safety of supplying banking information such as statements and account numbers by email my concerns were ignored. I don't think that I need to explain to anyone here how dangerous it is to ask for this kind of information by email, and how this sets up expectations from your customers which could be easy exploited by Phishers.

So my question is, where is the best place to complain? It looks like they are registered in the UK: https://transferwise.com/terms-of-use-us
Is it illegal for a financial institution to ask for their customer's financial information by email?
Transitioning to Virtual Reality – Event
Such as if you are ZeroConf networking with someone in the same area.
"it seems fairly punishing for new / all remote / self-funded businesses."

There's no right to run an anonymous business. It's illegal in the EU, and a criminal offense California if you accept credit cards. The customer needs to be able to find you and, if necessary, haul you into court to get a refund. You can register a D/B/A name and get a post office box to create a legal identity. That's fine. Hiding behind a web site with "private registration" is a scumbag flag.

Read yesterday's article about how Venmo helps scammers by making anonymous payments easy.
Basically is RSA so vulnerable to sidechannels that we can only use it safetly inside HSMs?

I bet this would be much harder to do for ECC.
Salfeld Child Control 2015 Crack, Keygen and Serial Number
The appearance of the Born Rule is explained by decoherence + bohmian mechanics or decoherence + many worlds. (At least my interpretation of many worlds, which is an ensemble of Bohmian trajectories. There are other interpretations of many worlds which I don't understand well.)

The actual Born rule is approximately explained by decoherence + GRW.

So decoherence + simple ontology is a great way to avoid the vagueness that Copenhagen gives you.
Writing new implementations of the systemd interfaces for systems which don't use systemd seems reasonable, but I think it's interesting there was a need to reimplement the timedated interface on a system that does use systemd and supports no other init.

I wrote a replacement for the systemd-timedated service for Fedora. The reason was simple, it could no longer control other NTP clients than systemd-timesyncd (which technically is just an SNTP client). With timedatex, users can now enable and disable with the "NTP sync" checkbox in GNOME any NTP client as was originally supported by systemd-timedated.

https://github.com/mlichvar/timedatex
Linux on servers has been in the mainstream for a while now.
Of course. I've written a compiler myself which used C++ as its output language. It just amused me that the authors made a point of specifying one characteristic of the program which is generally assumed as the default, while making no mention of another, far less common characteristic which effectively defines the scope of their project.
The NYT is mostly out of touch, as usual. A boomer rag-publication of the highest order, the article shows a complete misunderstanding of why house parties aren't a thing anymore by confusing some recent fads with socioeconomic problems. House parties aren't in decline because people want fancy liquor or fancy food items that hosts don't think they're competent to cook. The ability to send a text message to cancel an appointment does not cause people to not attend house parties. In small part, being able to stay home with Netflix makes it easier to tolerate being alone, but hardly overrules the desire for social interaction.

The real reasons, some of which the NYT glazed over vapidly:

1. Money. Specifically, not enough money as a result of bad economic conditions dominating the lifestyle of Millenials, the most likely partyhosters and partygoers. It's expensive to buy booze and chips/food for more than a couple people, and a dictum to BYOB guarantees a lot of leeches and a shortage. It's pretty passe to charge for entry to your house party as soon as you're out of college, so that's out. Millenials don't have enough cash to be hosting these parties all the time, but probably have enough money to attend them frequently, if it weren't for a lack of hosts. The article calls this casual poverty "downsizing", which offends me riotously-- millenials aren't choosing to downsize, they're being downsized by extreme income inequality and debt slavery typical in late
capitalism.

2. Space. Millenials live in apartments, in part because they are in desirable areas, but also in part because they can't afford to buy homes. Apartments are too small to have good house parties in, so, as the article describes, it's "having a few people over" (max 6) at once. I don't know anyone with a house or a large apartment here in Boston. Rents are high, and rising. The housing market is still off-limits, so people must rent. The lack of good private space is partially a symptom of a shit economy.

3. The cops. Remember in high school when 5-6 of your friends were over quietly watching a movie and the police knocked on the door, incorrectly thinking that there was underaged drinking going on? This happened in my high school suburban community when things were quiet. The fact is, a good party can get loud, and the cops will be prowling around looking to charge someone. A party isn't much fun if you are forced to be more inhibited than usual the entire time, anyway. The neighbors being pissed off will probably be the impetus for the cops to show up, but let's face it, the mere possibility is going to keep party populations lower.

4. Living at home with your parents. This is really just another subset of the money problems with suffocate millenials. You can't host a house party in your parents' house once you've graduated from college. It might also be tougher to attend a party if your parents live far away and the only viable transportation is car. This malaise of living at home is prevalent at about 10% of millenials.
Seems awesome! It could be a simpler replacement of Apache Samza for simple workflows
Your genes programmed you to believe that your "own gene survival is of zero interest to [you] personally." They did that because they found that exhibiting that belief was a good way to get themselves into the next generation.

Some substantial number of people who go around thinking that they aren't just acting as machines to propagate their genes find that their independence from gene control just happens to lead them to have a nice large family because their unselfish spirits love their spouses and children.

And the genes giggle triumphantly at your independence.
For women reading this post and thinking "I should negotiate more," please make sure you've also read the research on how salary negotiation works differently for women. There was a New Yorker article on the phenomenon last year: "In four studies, Bowles and collaborators from Carnegie Mellon found that people penalized women who initiated negotiations for higher compensation more than they did men."[0]

My personal anecdotal experience suggests that women can indeed successfully negotiate salary. We just have to be more strategic about it, and be careful what impression we're making.

[0] http://www.newyorker.com/science/maria-konnikova/lean-out-th...
2 Black Holes May Collide, Destroying Entire Galaxy
Excellently written, and the part about his PTSD-like feelings was tough to read. Reminds me of my friends who've seen some shit.
Representative democracy is not worthwhile for its own sake, it is something that is earned. The basic idea of democracy has no room for an intermediate "council of elders".
Please gain more points by not demanding impossibly-unreasonable answers.

Life experience and wisdom cannot be taught easily.
Who’s Behind Bluetooth ATM Skimming in Mexico?
From the js perspective you use it all over the place so it's nice to have a one letter name:

var my_sort = R.compose(R.first, R.sort, R.prop('id'))
If you've ever seen how politics really works, you would know that Veep or Parks And Rec are the realistic ones.
Pardon me for being unclear. You misunderstand my intent.

I don't mean that the world SHOULD be driven by emotions. I'd hate to think what the world would look like if it was. I meant that it is a big part in what drives people I.e people make decisions based on emotions, some more than others. Emotions are an important part of the psyche - they are a central part of many therapies, for instance.

What I'm trying to say is that my personal emotional insight is important to me because I develop the skill of observing my emotions and thus become that bit LESS driven by emotion.
The bank would reverse it because it's unauthorized to their customer. Put the onus on the merchant.
I definitely agree with that part. Does your service check WHOIS data, then?
iOS+9+release+by+apple+for+iphone,+ipad+and+ipod+touch+devices
AMZ in profitable, FB is not
I dislike this to the core ! .. People like these are the reason "real startup enthusiasts" leave MNCs and work for startups and if these people start coming to startup world , it can even lead to failure of companies .
Why We’re Not Digitizing Zines
I'm using Sequelize with a pretty good amount of success. It offers a really nice way to build models and has a nice syntax. And best of all is based on Bluebird promises :)

* disclaimer: the app I'm currently using Sequelize on doesn't get a ton of traffic so I can't speak on that
A lot of people attacking him for his lack of integrity and lying, and I too feel a little disgusted by the behavior. However, what ethical negotiation strategy would you use in his place?
Cisco Routers Firmware Attacks
I'm a fan of The Challenger Sale, The New Solution Selling and all three books by Jeff Thull: Mastering The Complex Sale, Exceptional Selling and The Prime Solution. I really like Thull's approach, especially his "always be leaving" mindset, as opposed to the old "always be closing" idea. Thull's thinking is much more focused on providing an authentic and honest experience, and genuinely trying to help the customer - as opposed to stuff about how to "trick" the customer into saying yes.

I also like a lot of what I've read from Jeffrey Gittomer and Grant Cardone.

Oh, and The Ultimate Sales Machine by Chet Holmes as well. He (Chet H.) did a series of videos with Anthony Robbins that is really good. I really recommend watching those.
"Then your salary is changed to $0.00."

No, then you use your savings, which should be higher because you were paid more, and you go get another job, which should offer a higher starting salary because most starting salaries are based off of what you were making previously.
risk score means the possibility of a transaction being fraudulent. here's another way you can do this for cards issued in Europe: if the risk score is too high start a 3D secure transaction. if the risk score is acceptable then start a normal transaction. a full 3D transaction will never mean it is not fraud however you will have no liabilities when a chargeback is issued by the card holder. many of your US customers, if not all, will fail to pay via 3D-secure because god knows why tons and tons of US card holders or issuing banks are not enrolled in 3D-secure system.
There was a discussion of the preprint (or more accurately a blog post summarizing the preprint) early this year at https://news.ycombinator.com/item?id=8840261
Spencer Rascoff, CEO of Zillow and avid tweeter, had some interesting commentary on this recently:

"I've had huge mutual fund managers who are shareholders of $Z $ZG ask me about some inane tweets that show up on bloomberg"

https://twitter.com/spencerrascoff
Grantophone
I don't...
I did not know what Anki was, so I googled it. For anybody else who is wondering: http://ankisrs.net/
Solving Tech Diversity in 2 Steps
I think the people who believe we consent to being governed think the consent happens at the level of 'society'. I mean, obviously the police and courts wouldn't be much use if criminals could just choose not to consent to being arrested or tried!

A person who believed that stuff might say people implicitly consent to the status quo when they don't fight against it. You might dislike the two-party system, but could you get 5% of the population to dash off a quick e-mail to their representative? Could you get 10% of the population to choose who to vote for with that as the deciding issue? Could you get 20% of the population to donate $2,000 to a PAC campaigning on the issue? Could you get 40% of the population to buy a rifle and fight in a revolutionary war? If you can't do any of these things, doesn't that mean people are happy with things as they are?

Personally I've always been a bit sceptical about that argument, due to the obvious status quo bias.
There are bindings for Julia - https://github.com/JuliaLang/Yeppp.jl
I remember seeing that when researching The Yes Men.

https://en.wikipedia.org/wiki/The_Yes_Men
I disagree.

If entry level were 32 GB, many people would buy that.

However, anyone who's owned an iPhone before knows that 16 GB is far too little to hold even a small collection of songs, photos, apps, etc. By removing the 32 GB model and making entry level 16 GB, they cause most of us to bump up to the 64 GB instead --> $$$.
It's not necessarily done ahead of time, but if someone says they've written a "compiler", without qualification, I'm going to understand that as a program for taking source code as input and producing an executable as output, because that is the platonic form of a "compiler". Of course there are other sorts of programs which still qualify as a "compiler", but I'd generally expect that if someone is going to add qualifiers to "compiler", they would start with the qualifiers which distinguish their tool from the platonic compiler. In this case the authors have added a qualifier which is included in the platonic compiler form, without mentioning a significant way their project differs from the platonic compiler form, and that struck me as amusing.
Yes, on most platforms types map to intX_t/uintX_t.
+1 on Predictable Revenue. My only concern is that so much of the focus there seems to be on his one "cold emailing 2.0" technique, which is already starting to become more common, and will probably eventually lose its effectiveness due to over-exposure.
VATMOSS is a nightmare for small businesses. I am lucky that authorities in my country decide that I can avoid it with my project (because it doesn't fit exact definition of electronic service so I can pay VAT in my country as it's a place the service is provided in according one interpretation of the new law) but they have plans to extend it and I may be forced to go through accounting hell to comply with this regulation in the future.

It's one of the most ridiculous regulations there could be. As a small business founder you are not really in position to do the accounting for it properly and most accountants here have very little idea how to prepare all the documents either. You are required to keep 2 pieces of evidence of customer's location (IP, address etc.) which you often just don't have access to in the first place (if you payment gateway provider doesn't make this information available to you).

So not only you need to find someone who knows what to do (already very hard), pay them significantly more than you would for normal accounting (big burden for small business owners and especially people who start), keep accounting information you often don't have access to, then prepare this accounting information as well (which means you spend resources for writing the scripts yourself as most tools accountants use don't track needed info).

Additionally to all of this there is no more VAT free quota for people who just start (usually there is for business who don't qualify for VATMOSS, size of the quota depends on the country).

When I've learnt about it (I started my business in 2015, the regulations started to be law Jan 1th 2015) I was really depressed about the whole thing. I was spending my days reading some contrived law and various interpretations of it instead of doing the actual programming. Nobody had answers for me (I've got different opinions from 2 tax advisors, different one from our tax office and yet different one from national tax information line) and I was just close to giving up altogether (I didn't expect my project getting as much traffic as it did and I wasn't really in position to spend significant resources for accounting when I didn't even know I would make enough to cover it).

It's a hostile piece of regulation which very severely disincentivize you from starting a business or paying your taxes properly. It only shows how out of touch EU bureaucrats are. I guess they think typical business is like Google or Amazon or something.
There is something inside of humans that has for centuries made religion very popular

More like millenia. When your little neo-human tribe could be coerced as a group into attacking the nearby human tribe to take their women and eliminate them as competitors for resources, the chances that your genes would survive went up. Religion and general leader following were great tools for group coordinated action. Any mutations in the brain that benefited those group coordinated actions tended to survive and spread.

Religious propensity was a survival trait.
3 Surprisingly Simple Growth Hacks That Could Double Your Leads
Author here. AMA.

Note to mods: it would be fair to add (2013) to the link, as the site wasn't updated since Yeppp 1.0.0 release
Full Stack Fest 2015 Recap by Katarzyna Szawan (Lunar Logic)
What do you mean? Can you be more specific?

I use the iPad version pretty regularly, and I've never seen it crash or misbehave.
Any chance of changing the table background color from #f6f6ef to something that has sharper contrast with white page background? I look at comment distance with this border to find new top level comments, but it's hard when one is white and one is light grey.
I can't say that I've actually applied a lot of what's in The Challenger Sale yet, but I really liked the book, and it just feels right on some intuitive level. I'm intrigued enough that it's something I'm making a pointed effort to integrate into my approach.
Why don't you "motivate" frequent users to start paying?

ex. by making the free version (gradually) worse until you see revenue.

ex.

- non pro user pastebins last 5mins, 5 views etc

- non pro users can post 1 pastebin per day (cookies, IP)

- non pro user pastebins are max x characters long.

- you get the idea

- there are clever people on this forum who will come up with good ideas to help you out.

- do everything BUT show ads, PLEASE. Internet's sole purpose is almost all that already.
Are you referring to this?:

"Delaware charges no income tax on corporations not operating within the state, so taking advantage of Delaware's other benefits does not result in taxation."

https://en.wikipedia.org/wiki/Delaware_General_Corporation_L...
It seems like an odd business decision to make every pageview begin with the equivalent of "Are you sure you really want to view our content?"
This is a re-write of an older version of PeachPy (you will find it at https://bitbucket.org/MDukhan/peachpy), which supported x86-64 and ARM, but didn't generate object files directly. The new PeachPy currently only supports x86-64, albeit there are remnants of old code for ARM.
I feel the title should be updated, even the inclusion of the word "an" in "destroying an entire galaxy" would help.

Most people assume "Galaxy", by itself, to be our own galaxy. It seems clickbaity and fearmongering.
How Climate Change Is Behind the Surge of Migrants to Europe
Also called framing - http://whywereason.com/2011/10/14/the-price-of-framing-ancho...
Not at all! Just expressing that I learned both a new latin legal term and a fact about latin vocabulary today.
Hmm.. There is already another project with the same pronunciation.
https://pypi.python.org/pypi/PyNLPl/
Earlier versions of PeachPy generated assembly source that had to be compiled with NASM or GNU assembler. Now PeachPy can directly generate object files, and it would be fair to call it a compiler, but I like the old name
Clustering with Hierarchical and Density-Based Algorithms (hands-on Workshop)
What a strange thing this Heterodox Academy is. They bemoan the lack of political diversity (however you define that, they don't, seems they leave it an exercise to the reader) in the Social Sciences, and then they proceed to list Judith Curry, a climate change skeptic, amongst their members. Can someone make a convincing case they don't have an agenda to sell?
Today (September 17, 2015) at 6pm EDT in Toronto, or via livestream if you can't make it in person.
As far as I can tell, the argument was, "All 50 women I know are on Facebook, therefore less than 1 in 10,000 women have noticed their Facebook photos are harvested for use on shady dating websites." That doesn't logically follow.

I'd argue your remark is an ad hominem attack because latched onto my use of the word "bias" rather than refuting my argument with data.
Apologies for the somewhat incoherent post, my lunch break is about to end.

Here I thought this was going to talk about how almost all of social psychology, economics, and other disciplines that influence social policies almost never question capitalism. The difference between liberals (lowercase 'l') and conservatives is very little when it comes to the basic premises of how societies should be structured. Very disappointing. The only departure the post makes from this dichotomy is a mention of libertarians and moderates. Something tells me they mean 'right libertarians' and not libertarian socialists.

Heterodox Academy is a striking name for an institution, so I looked up what it's supposed to be about and, of course, I found the typical boring premises that infest right wing institutions[1]: Their ideologies haven't been rejected because their policies were implemented in real life and produced bad outcomes; clearly it's because there is a systematic bias against them. Talk about a persecution complex!

As if neoliberalism infesting governments and supranational governing bodies isn't enough, it also needs to recapture academia and regain intellectual primacy! The last thing social psychology needs is an infusion of ideas from the end of the spectrum that embraces Murray Rothbard.

Last observation before I go: There is a tendency for reactionary movements (and yes! right libertarianism is a reactionary ideology: it dreams of a never borne out vision of laissez-faire capitalism the world abandoned generations ago) to adopt the language and lexicon of those opposed to them. In this case, the adoption of the language of diversity is being used while very likely the people who want the social sciences to be more right wing spit vitriol at the mention of diversity in the broader context of society. I don't think it's sincere, and if it is, it's laughable.

> [Libertarians are the political group with the highest IQ, yet they are underrepresented in the social sciences other than economics]

/snicker

[1] https://www.washingtonpost.com/news/volokh-conspiracy/wp/201...
what do u expect from a sweat house full of fresh grads?
I wonder what happens to the SPDY-specific directives once support is removed. I use 'listen 443 ssl spdy;' and 'add_header Alternate-Protocol 443:npn-spdy/3;'. If these are just ignored no problem, but I wonder if it breaks anything?