skysight-inc/HackerNews huggingface dataset:
Study Shows Student Loan Borrower Igorance
While only 477 undergrads were interviewed (at 3 universities in the Bay Area), the stats leave little mystery as to why Student Loans have spiraled.

Highlights:

- 72.95% thought Sallie Mae was a person, not a company

- ​92.87% do not know the difference between subsidized and unsubsidized loans

- 97.90% do not know which loans accumulate interest in-school or during deferment

- 71.07% do not know the basic risks of a cosigner

- 75.89% with private student loans do not know the major differences between private and federal student loans

- 7.90% know their current interest rates

- 6.10% know their repayment terms

- 58.90% thought the total amount of outstanding student loan debt was in the millions (not billions or trillions)

- 96.02% did not know that student loan refinancing was an option after graduation

---

Source: https://lendedu.com/blog/January-student-loan-survey
I think you did a great job to demarcate those three facets of copyright law as I understand them too (not a lawyer, big time IP hobbyist though).

There are two other aspects that might be relevant, and are only presented as complimentary, not contradictory.

The first is that in that the recording the Engineer is doing is a "Work for Hire" as I see it. While they may negotiate 'points' of residual income from the sales of the recordings for their labor/efforts/contributions, the ownership issue is a lot more simple. The other angle is that 'derivative' works, especially for Fair Use, have a really high bar to clear in modern times - but it's possible.

So, if Charlie is a Professor and he recorded Bob's performance of Alice's work, expressly so he can play one full song as an example in his University class "The Art of Shredding on a Violin while Playing Harmonica and Jumping Up and Down Simultaneously," then Charlie's use of the work should fall under Fair Use, and it doesn't matter the students are paying for the class or Charlie is paid an income by the institution. He's promoting progress of the arts and is protected in theory.
Before Social Security, over 70% of seniors died in poverty. Today, that number is less than 10%.

The amount of transfer payments to the elderly is so much larger than to any other age group, but unless you're willing to let those below the median income die in abject poverty, it's necessary.
I also recommend M. Given the fame of the original film, it is a little bit surprising that they haven't remade it recently.
Tor: The second generation onion router – annotated version
> I left the group shortly after this because I couldn't be part of a group that didn't protect its members.

Interesting. I've left groups that aggressively "protect" members, particularly those who do so even in online interactions. I find the aggressive protection detracts from honest and blunt communication or debate, I've seen people who basically think any remotely conservative opinion is rooted in misogyny or racism and should be immediately dismissed. It's something to weigh certainly, have to find the right balance appropriate for the group.
I feel different about my phone because I use it so much. Outside of my desktop at work it may be the single most used item I own. Given that I spend so much time on it, I want it to be good. I want the screen to be nice, I want it to be fast, I want it to have the apps I want when I want them, etc...

Whereas for a tablet, I rarely use ours. It really has turned out to be a replacement for our son's portable DVD player on long trips.
Good idea—we've changed the title to that (before seeing your comment, in fact).

Some of the complaints in this thread about the program only existing for Mac, though, are childish. It's fine to ask for another version, but to carp about it petulantly is embarrassing.
Location: Spokane, WA

Remote: Yes

Willing to relocate: Possibly, with preference for major North American or western-European cities (hello Berlin!).

Technologies: Python, Scala, Flask, Django, Postgres/PostGIS, AppEngine, AWS, CoffeeScript, AngularJS, Twilio, Linux.

Résumé/CV: http://goo.gl/DR0LD5

Email: hn.leak@spamgourmet.com

Hi, I'm Eric. I'm primarily back-end focused, mostly Python and micro-frameworks these days, backed by relational or object stores. I'm interested in functional programming (have Scala experience), GIS, working with large datasets, and security issues (have previously held CISSP creds). Open to relo if all goes well remotely at first.
It sounds like you have never been poor. Poverty and misfortune wears you down. A moment of weakness is inevitable. Moreover financial stress has shown to significantly reduce effective IQ.
Well, "quite slow" is of course subjective. But compared to 10+ years ago standards it's barely noticeable today. It seems to be mostly an issue with GPU virtualization. So if you plan your hardware and set it up right (pci passthrough) you can get very good performance, even in a VM. To see it (over)done, check out Linus Tech Tips

2 Gaming Rigs, 1 Tower - Virtualized Gaming Build Log
https://www.youtube.com/watch?v=LuJYMCbIbPk

7 Gamers 1 CPU is back! But does it ACTUALLY work!?
https://www.youtube.com/watch?v=opX-AsJ5Uy8
This looks interesting. Would replace my use of evernote for such things.

I found this bit funny, though:

"Quiver lets you sync all your notes across multiple computers via Dropbox, iCloud Drive, Google Drive, or any other file-based cloud services."

.. like .. any other application that saves files to disk into a synced folder?
Ask HN: Who is using React Native?
What app are you using it for? What platform? What are your thoughts on the dev process and production performance?
Round-trip energy efficiency is reported to be > 80% for pumped-hydro energy storage.

Ecological, space, and financial efficiency are more variable.

http://energystorage.org/energy-storage/technologies/pumped-...
That's like saying Ethernet, VGA, and many other standards are bad because http://www.fiftythree.org/etherkiller/ shows cables that directly pump AC power into them.
Object Oriented Wrapper of GitHub API, 0.26 Released
There's also Rosetta Code, which has tons of problems and language implementations. It's tons of fun to read through.
I'd argue that the netbook boom was nipped in the bud by the introduction of the tablet. Netbooks, tablets, low-end laptops, and phablets that are too big to fit in a pocket are all the same market. They serve a person who wants to browse the web, check e-mail, instant-message, take notes, and do other information consumption tasks with a device that is small enough to carry around in a handbag or backpack but too large to fit in a pocket.

I suspect that the decline in tablet sales comes from category confusion at the edges of this market. At the low end, people are buying phablets to stick in a handbag instead of 7" tablets. At the high end, some people have gone back to lightweight laptops like the Macbook Air, Microsoft Surface, or equivalents. The "market" - defined as the group of people with similar needs - continues to grow, but a growing percentage of people are picking products from a different category to satisfy it, as more such products become available.
All of Google, and most ClojureScript users would like to disagree with you.

Google Closure has been successfully tree-shaking since it was released, in 2009. ClojureScript uses Closure for an optimization path, so the majority of CLJS apps in production (CircleCI, Prismatic, to name a few) use tree-shaking on every deploy.
Front-End Engineer
Location: Europe (Czech Republic)
Remote: Yes
Willing to relocate: Yes, within Europe
Technologies: React.js/Flux, JavaScript
Résumé/CV: http://radekstepan.com/
Email: dev@radekstepan.com

A Front-End Engineer with 10 years HTML/CSS (PHP, Python), 5 years JavaScript (Backbone, canJS, Ractive) and exclusively React.js/Flux for the past year. Worked in UK, Canada in the past. https://github.com/radekstepan/burnchart
Hopefully at some point in the future we look back at situations like this with a sense of perplexion.

I worry though, that if we do roll out some form guaranteed minimum income, the moral highground of those against welfare and social assistance will be replaced by the moral highground of those who work to supplement their income.
The Intercept's Juan Thompson fired for fabrication
I've often thought about how different things would be if programming editors had always allowed for image integration (with hiding of course.) That would mean that every source tree would have been able to integrate explanatory graphics. And since I've probably spent 100x more time maintaining/modifying code than creating code, that would have been a big win for me and a lot of other people.
While I agree with your sentiment, I do not agree that it is my responsibility to take care of your parents. I want to take care of mine, and socializing these costs just means I'm forced to pay for your parents at the expense of mine. There is no replacement for the family unit. Obviously I feel differently about people who have no family, but that is the exception not the norm.
Same in France.

About webcams, AFAIK, the exception is either because people and car plates cannot be identified clearly for the image quality (and frequency) is low, or because they asked for a special authorisation.
http://www.bloomberg.com/news/articles/2015-06-30/tax-minist...
Yeah, I love exercism! There's definitely conceptual overlap, but IIRC the exercises in exercism were more of the variety where you're given a problem and you start from scratch, then others give feedback on your solution. I'm not sure if the intentionally-broken starting places of rustlings would fit in?
Introducing MitM-VM and Trudy… a Dead Simple TCP Intercepting Proxy Tool Set
Yeah, the ECJ already shot down Safe Harbor, they’ll shoot down this again.

With the current situation, it’s impossible to create a treaty complying with EU privacy law. (This is a personal opinion, not legal advice).
I recently fried my laptop (still worth $500 on ebay and was $1800 new...), from a cheap chinese pcie adapter.

I would love to know where or how I could repair it for and how much.
Thanks. I didn't see that other account.
>But there should be no hesitation at all about applying it to seniors. As in, right now.

So something like social security. Which she is already receiving.
You have a very high bar for proficiency.
Or a Truecrypt image across all systems.
Look for a long response near the end of the article comments, from Mike Crawford. It goes into detail as to why that protection isn't designed in - it's not cost (diodes are cheap), but power drop, which has side effects.
Japan to call off 10-year bond sale to individuals due to negative rate
Good point. Here in Iowa its been a decade of record wet/dry/hot/cold years as the weather swings out of control.
>socializing these costs just means I'm forced to pay for your parents at the expense of mine

wow, just wow. that doesn't even make sense and yet you asserted it because it's the only leg you have to stand on
I find it unfair that I'm expected to make sacrifices while I'm young to ensure a comfortable retirement and also have to pay for other's retirements because they failed to do so.
Thanks for working on this and posting it to hn. The security concerns around storing /etc improperly (i.e. like publicly in a version control system) are well known, but if done right, it could really be useful.
Click bait. They mention that they can handle 700 req/s with Symphony, then HAProxy helps to scale up to 1600 req/s. The 1B figure is in 1 week.
The shape of a cars side-profile or wheel might've nailed it better, but then again, driving passengers in a car from A-B seems far from their entire scope; logistics, food, etc.
"a 300$ ticket is the difference between being broke and having food on the table for her."

And the same could be said for a 18-year-old, living out on his or her own.

But in both cases, it is the result of a poor choice (inattentive driving) rather than a major flaw of society, and has nothing to do with being "too poor to retire and too young to die", as was the supposed focus of the article.
I don't even know if Convergence is being maintained anymore, but pinning the public key of the notaries would make an active MITM nigh-impossible.
You are being down-voted because the US has near universal basic income for older folks & the subject of the story collects it.

It's one of the real questions I have about basic income schemes generally. The examples we have are not powerful arguments in favor of them.
Use Atom to edit in Chrome
Which toolkits? In particular, cross platform, has similar
high level functionality, looks better.
The Apple II floppy drives were single sided. It would be trivial to put different code on the other side of the floppy disk itself.

A single bit error that would simply flip everything upside down seems quite improbable given the Apple II hardware. I wouldn't be surprised if a bug inspired the easter egg, but I'd be shocked if there was a single bit difference between the front and back of the floppy.
Not every elderly is a parent.
I Hate the Lord of the Rings
$300 is beyond exorbitant for a speeding ticket. It's vindictive and exploitive.
LiquidTalent | ONSITE in NYC

LiquidTalent allows you to click a button and request a phone call with hiring companies (both contract and full-time).

If the hirer accepts the request, you'll both get a call at the scheduled time, and be put into a shared conference line, immediately starting the interview process.

We're looking for a senior Rails dev to help us take our platform to the next level. You'd be working with the engineer lead (Rails dev), 1 other junior Rails dev, 1 senior Angular dev, and 1 Swift dev.

We're a super early startup with seed funding. It's an amazing time to join, as you'll have a lot of autonomy, and you'll have a good amount of control over the direction of the product. Every week is a completely different experience.

If any of this sounds interesting, contact me at ken {at} liquidtalent {dot} com

http://liquidtalent.com
... it's been an internet meme that AV solutions are worse than a lot of viruses... for over a decade.

This isn't anything new. In fact, this stuff happens regularly on an ongoing basis.
It might be an interesting idea to use similar algorithms to create vector plots in scientific PDF documents, instead of having embedded raster images that don't scale well.
WTF. Terrible. Jump the shark.
I don't know that it would result in a business failing, but there's certainly lost opportunity. Marks and Spencer is a fairly recent example, perhaps not JS payload specifically, but lower conversions related to site performance.

Considering the audience might help as well. For example, if rural U.S. dwellers are a demographic you want, many of them are on low bandwidth connections.
>Nearly one-third of U.S. heads of households ages 55 and older have no pension or retirement savings and a median annual income of about $19,000.

So now we finally get to the root of why Baby Boomers are so upset with the Millenial generation - there's nobody to bail them out of the mess they created.
You're pretty confident that you and/or your savings will live to take care of your parents. What if you get hit by a bus? Or lose your ability to work? Isn't that what a social safety net is for?
Google found a 0.5 second delay caused a 20% decrease in repeat traffic, that persisted after the delay went away (http://glinden.blogspot.com/2006/11/marissa-mayer-at-web-20....)

Amazon found every 100ms slower the site loaded, they lost 1% in revenue: http://www.gduchamp.com/media/StanfordDataMining.2006-11-28....

Walmart.com found a very large change in conversion rate based on page load times: ( http://www.slideshare.net/devonauerswald/walmart-pagespeedsl... slide 37)

My own customers have seen 4x different conversion rate, when grouped by page load time. (i.e. same slide as walmart page 37 above, where the peak is 4x higher than the lowest performing group).

Your business probably won't fail because it's slow, but it will certainly make less money because it's slow.
what everybody else is missing:

browser still has to parse & execute the javascript, which is half of the startup time, and if you are fully a SPA without server-side rendered markup, this increases your time-to-glass by about double on web clients
401K is a massive Wall Street ripoff and a massive failure. The disaster is just beginning.
Big pharma push doctors to use their regulated or protected pills. Who pushes vitamins and minerals?
I love these builds. I'm writing a home automation system on my PC, and then I'm hoping to build some interface devices like this to interact with it. But so far I'm a long way off from this step.
Nah. I don't like articles with phrases like "you are doing it wrong" when it comes to Docker, because Docker affords you choice. It is up to you to make the choices, and there are some "best practices" around using Docker, but there is no "right way" to use this technology. Use what is "right" for your environment and avoid platitudes like "you are doing it wrong". Anybody that wants a taste of what I'm talking about should stop by #docker on Freenode and see how people are using it.
I agree with you, but do you have more sources that convey the full impact of Social Security?
Well she gets $1200 a month from social security, which is already essentially a basic income for old folks.
Show HN: Tracker Keeper – Batch Assign Stories in Pivotal Tracker
She is mostly living her own dream though:

After her retirement in 2007, she had planned on selling the double-wide to finance a lifelong dream: touring the nation from behind the wheel of Big Foot.

Yes, she is working while she does it, but it sounds like she's migratory by choice.
> OK. Settle down now, princess.

This breaks the HN guidelines badly. We ban accounts that comment like this, so please don't do it again.

Linking to a troll thread, taking this one wildly off-topic, and pompously posturing about how you're better than the rest of HN are bad too.
Social Security worked well, before cost of living overtook the benefits provided.
Yes, you can use git locally without pushing anywhere, including GitHub. But, the original commenter explicitly mentioned GitHub, presumably because GitHub allows a similar kind of browsing experience of the notes that Quiver does. Specifically, GitHub has a markdown renderer.
> Actually, the farmland will just move. Northern regions will become more arable. There will be disruption but maybe nothing we can't handle.

Even if we ignore the effects of increased variability (which makes investing in production anywhere less secure) and just consider, as you do, the averages, this is problem for people as long as countries and borders are a thing, because shifting where its possible for humans to support themselves has some pretty drastic consequences.
If you're making these sacrifices now, your retirement will be an entirely different experience from someone on Social Security. Also, retirement planning is a luxury. Not all have the means to set anything aside.
Apple has never been disruptive in the "we invented a new product category" sort of way. They've been disrupted in the "we take a raw idea, simplify it, refine it, make it KISS simple to use and polish the presentation" sort of way. That requires fanatical dedication to detail and getting it right and reading the market tea leaves to understand what's truly revolutionary and how to deliver.

With Jobs' passing, Apple's fanatical devotion to quality and polish looks like it's starting to wear off in some areas. Jobs did a great job staffing with people who could implement his visions superbly but didn't bring in an heir apparent who looks at the world differently and drives the same slavish attention to detail and polish.
It's even trickier if you consider that she lost her house in 2008. How?! She is in her seventies, the house should have been long paid out. So this means she borrowed heavily against the house equity and spent all that money. I do feel sorry for her problems right now, but I sympathize more with people who were prudent not to risk their house to pay for expensive toys (Smart car).
One interesting thing to note is that any copyright analysis using today's acts is possibly wrong :)

These tapes predate the most recent major copyright act (they were made in 1974, the act was passed in 1976).

For example, among other things (i'm lazy and quoting wikipedia, which is correct in this point):
Under the 1909 Act, federal statutory copyright protection attached to original works only when those works were 1) published and 2) had a notice of copyright affixed.

If no notice of copyright was affixed to a work and the work was "published" in a legal sense, the 1909 Act provided no copyright protection and the work became part of the public domain.
> But in any scenario where militia were up against organized force, I would think they should try to blend into the population.

It's very effective indeed, if you disregard all problems with international law and basic human morals. It's a tactic that have been very successful for Hamas in recent years, for example. Fighting in civilian clothing means that (1) your adversaries will kill much more civilians, honestly mistaking them for you and (2) all your losses can be easily counted as "civilians" by even slightly biased observers. Next step in effectivety is just keeping a couple of children around you in a firefight.

Idealist militants, on the other hand, who are concerned with well-being of civilians they are fighting against always assume some form of uniform, because among other things, it helps to keep at least some rules of engagement in place and protect innocents to some extent.
WTF. 50B down the drain.
>Second, by offering the faster binary access method, NYSE effectively imposed a "Speed Bump" on all of its participants who did not upgrade. They essentially slow down everyone else by offering a faster means of access that only a few have bothered to adopt given the amount of development work necessary to do so. We found very little documentation about this offering, and no public filings with the SEC.

FIX is a text based protocol from the early 90s. The other interface is a modern, binary protocol. It sounds to me like NYSE upgraded their technology which resulted in lower latency.

Is NYSE charging more for the binary protocol? Should NYSE just cut off everyone on the old text protocol to in order to advertise one-true-interface for everyone? Is IEX trying to earn cheap publicity points by counting on people's ignorance of financial infrastructure minutia?
Strictly speaking, it's not independent of "the government" so they do feel like part of the government. Certainly they feel like "part of the team" when it comes to governance.

However, the Fed often dramatically disagrees with Congress and/or the President when it comes to the best ways of fulfilling their shared values. Witness the consistent complaints from Congress over Fed policies like QE.

> The whole independent claim is just smoke and mirrors.

It's a lot more than that and has a legal basis. If the Fed weren't legally independent, I'm quite sure that Congress would have forced it to adopt different policies than it has.