skysight-inc/HackerNews huggingface dataset:
> [... I am worried that there are borrowers who have figured out how to game the system]

I thought this as well, but on LendingClub.

Out of all of my notes that have defaulted, they all seem to share the same pattern:

They make about 4 perfectly on-time payments then never make another payment again.

I believe the loans were taken out by real people, but I feel like they were people who knew that they were ultimately going to file for bankruptcy anyway, so they figured they might as well grab some quick cash before doing so. This is just my guess. It just seems too odd that all of my defaulted notes look pretty much the same. Maybe the 4 on-time payments were done to avoid any claims of fraudulent intent?

My fear was that there was some Reddit thread or something which was instructing people on how to do this.

They could have done the same thing with a credit card, but with LendingClub, you end up with actual cash, and I bet it's easier to get a loan funded on LendingClub than it is to apply for a credit card of the same amount.

[EDIT]: To add, apparently, if someone obtains a loan immediately before filing for bankruptcy, the creditor can move to basically have the loan un-wipable if they can prove that the loan was taken after the person already knew they were going to file for bankruptcy. However, I doubt LendingClub goes through this trouble for each note, which could make the platform more attractive for this type of fraud.
Surely an example we all aspire to.
Message in a molecule
Beta testing opportunity for networking app
"Town of Salem" [1] is a really popular browser-based [2] version of Mafia.

[1]: https://en.wikipedia.org/wiki/Town_of_Salem

[2]: http://blankmediagames.com/TownOfSalem/
Java Caching Benchmarks 2016 – Part 2
Docker Compose for the Beginner
> The Wall Street Journal reported last month that Jefferies was working with the company on a sale of bonds backed by LendingClub loans to less creditworthy borrowers.

Ah! So we're back in the derivatives market. Buy up crap, package and obfuscate it, then sell it off as "high quality" crap to investors desperate for yield.
There's also systemd's constant regressions and awkward interfaces and limited functionality when they replace existing solutions. It should have stopped at unifying init scripts, although upstart had that, SMF had it, so it's great to see nosh being cross-platform and able to import system unit files.
The amount of consumption usually equals the amount of resources available to consume.
I don't know. I just think that if we're going to talk about what companies encourage customers to do through their marketing, we should be straight about it.
They wanted to recover for 2 reasons:

1) Speed up post-death admin (insurance etc)
2) Unblock the route for future use, they did not want to see the system closed.
One easy way I have found to get around some of these site's blocks is disabling javascript in the chrome console and then reloading the page. it works a good amount of the time. you can also wget the page and pass in headers that your a google bot to bypass paywalls on sites like economist and wsj. (this was documented in a previous hn post exactly how to do this)
Targeted therapies were not developed as a result of genomics. Erlotinib was approved in 2005. We've had Sanger sequencing assays for EGFR, BRAF etc for years, and they're still standard of care. We can identify resistance mutations, but we often don't know what to do with this information. Your patient becomes resistant, you identify the causative variants, you watch your patient progress and die.

Sure, genomics gives us a comprehensive way to sequence, but my point is that it did not yield the sudden, vast sweep of insights that we expected it would.
They want to control it all to give the best possible user experience but fail short and introduce bugs I've never had since the first day I've installed Linux in the 90s.
I don't, there's a lot of people in government trying to make change (Bernie Sanders for one!), any public information that is out there, is probably about as twisted as Enrons finance sheets.
The DAO crowdsale reaches $30M with 18 days to go
Like this: http://www.controlbyweb.com/webswitch/

Or this: http://digidave.co.uk/jshop/section.php?xSec=22

(Linked from the search given above).

These things exist, and while that is of itself no reason for you not to do it out of interest, I just wondered if you were aware. We've used versions of these for some time.
As far as I can tell the main appeal of most of those is "I'll read this later."
Coreos raises 28M$ lead by Google Ventures
I'm always a bit fascinated when what everyone knows is the next thing turns out not to be. RISC is a classic example. (ARM is light CISC compared to the sort of true minimal RISC I'm talking about.)

GC is borderline but it feels like it might be one of those. In retrospect one giveaway is how easy it is to avoid almost all memory problems in C++ with RAII and STL.
All that would mean is that the malware authors will get paid slightly more for ensuring they have more pernicious and persistent malware. Considering the amount of havok the ransomware guys have been causing lately, do you think they'd really be bothered by being asked to pony up even a $50,000 deposit?

The real problem is very simple. The advertising companies need to stop publishing non-vetted media files (which means they can also no longer do a http referral to a site they don't control to save "bandwidth costs"). Many of them are not doing that because they're foolishly assuming a "deposit" or any other such arbitrary monetary penalty is going to be cost-prohibitive to a criminal organization. To the criminal organization, it's no different than any other bribe.
Yeah. The Lending Club loan would still need to compete in the broader market, which means that there is a point where the borrower would opt to not take the more expensive loan.
Hi, my genome is public. Feel free to do any privacy analysis on it. https://my.pgp-hms.org/profile/hu80855C
You should have no problem deidentifying me.
Incredibly brave people. I don't know about the rest of you lads, but I don't have the balls nor the fortitude to even attempt such a feat of humanity. My hats off to them all.
Only if the price stays the same.
The article may be biased (I'm in agreement, spin zone) but the policy change on Virus Total's part is real news. With all the security people around HN I'm not surprised to see that people want to discuss it.
I'm not sure this would be possible via normal subreddit admin tools but I'd like to see this done as an user opt-in feature. Let people post those link if they choose to but also let users choose if they see them or if they get a notice when they try to post a link to one.
That's hardly Uptown by any stretch of the word and the crime rate in the area is much higher than you're letting on (certainly compared to your average suburb.) As someone very familiar with real estate market in the TC metro, any home in Minneapolis that's below 150k is either in a high crime area, extremely lacking compared to other houses nearby (probably has no garage, no basement, backs up to train or highway), structurally deficient, or all of the above.
The cost of bioinformatics cloud computing isn't going to come down by several orders of magnitude: it already tracks the raw hardware costs + cost of running a cloud data center + a tiny margin on top.
Champions League Manchester City
Anyone know if its possible or makes sense to use something like t-sne for dimensionality reduction? If so, could the reduced data set be used to build a classifier?
Good for you being content. I am not. I do not want to see advertisement. I am willing to pay for high quality content. Now where are my options?
Summary:

Have a "zero bug policy" in 1 simple step:

Re-classifies bugs you don't want to fix as "improvements".

Tada!

... Seriously? That's ridiculous click-bait crap. You didn't implement a zero-bug policy, you just redefined what you call a bug. This is no different than everyone else's policies, except that now you're screwing with terminology.
Unfortunately, one doesn't need to own or even be driving a car to still be injured or killed by one. There are many aspects of cave diving that one can influence (checking and servicing equipment, having redundancies) to be safer, as well as many thing about driving and cars that one can't influence (who else is driving around you, the state of mind of who's driving the car/bus you're in)

I think the real difference is not necessarily how safe or dangerous one or the other is, but one is a risk that is practically necessary to function in society while the other is not.
The Endangered Language Alliance (ELA) is looking for a volunteer web developer to enhance an existing website for teaching a highly endangered Native American language to a new generation of speakers.

ELA (www.elalliance.org) is an independent non-profit based in New York City with a mission to document and support endangered languages, collaborating with communities and educating a broader public. Working remote totally fine.

We're looking for someone with good knowledge of WordPress and relevant tools. The website includes sound files, video files and explanations of complex word structure. One of the main goals is to make the various complex verb charts interactive and linked to media. There is also an existing searchable database containing a large text and dictionary which we would like to integrate into the website. Other tools and ideas for web-based language teaching are very welcome.

Please email ELA Director Daniel Kaufman at kaufman@elalliance.org.
We've had a contributor that's been slowly going through the text on a variety of things, and they're also working on untangling forward references.
I have tried without success to find discussion of this issue. I have just noticed that the borrower/loan profiles are getting more vague over time. It used to show a user id and the user ids were all really similar like mrhomeimprovement_67 and dental_bills99 but I see that now they don't even show that much information.

I could be completely wrong about this.
Those are the practical reasons - there are numerous mentions of a culture of "leaving no one behind".
Trying to outgrow regulators is one approach. Trying to outgrow competition in a business with low barriers to entry is another. See Groupon for example. My bet is AirBnB is probably next.
Companies Will Spend $65B on SEO in 2016
ITT: fat people making all sorts of excuse for Nestle

is this reddit?
TMSU: a tool born out of frustration with the hierarchical nature of filesystems
Report: Facebook omitted conservative topics from trending list
No - they already had GC working with Objective-C and could have chosen it for swift if they had thought it was the best technology.

Here's a quote from Chris Lattner:

"GC also has several huge disadvantages that are usually glossed over: while it is true that modern GC's can provide high performance, they can only do that when they are granted much more memory than the process is actually using. Generally, unless you give the GC 3-4x more memory than is needed, you’ll get thrashing and incredibly poor performance. Additionally, since the sweep pass touches almost all RAM in the process, they tend to be very power inefficient (leading to reduced battery life).

I’m personally not interested in requiring a model that requires us to throw away a ton of perfectly good RAM to get an “simpler" programming model - particularly on that adds so many tradeoffs."
I wasn't talking about the posted article, I was talking about the article that I linked myself.
This article is hitting a dead snake over and over again.

I don't see anything in this article that hasn't been mentioned in the previous coverage by Buzzfeed.
So, being 11th (of 178) in the ranking of the "Economic Freedom" you list below makes the American regulatory environment "oppressive" ?

From the viewpoint of most countries in Europe it would be considered "very liberal".

(EDIT: Also the source you mention is clearly politically biased. https://en.wikipedia.org/wiki/The_Heritage_Foundation )
I wrote a bookmarklet that catches all scroll events in the capture phase and cancels them. It seems to work pretty well.
That I did, oops
Mobile Fuel Delivery Startups Not Liked by Fire Departments
already submitted & discussed yesterday, please check before submitting:

https://news.ycombinator.com/item?id=11652614
already submitted & discussed yesterday, please check before submitting

https://news.ycombinator.com/item?id=11652614
The Drone Center’s Weekly Roundup: 5/9/16
This might be the deepest issue with Stack Overflow.

People post some bizarre objective/problem (because the bizarre stuff is what you need to ask about), and half the comments are people asserting that their goal is wrong.

There's no clear solution, though, because half the time the goal really is misguided, and the other half the "right" way is for some reason unavailable. The best answer I've seen is for commenters to offer "you really shouldn't do that normally, but you could try this to make it happen".
This history is accurate. RBE is pretty low on my priority list; finishing up the book and the standard library docs are much more important right now. I to try to keep up on PRs.
For someone with no prior knowledge, can someone explain what this is doing?
> Borrowers have 14 days to get their loans funded by investors and loans were typically funded by investors within 1 day. So lenders were outnumbering borrowers.

> Starting in January this year, however, loans started taking longer and longer to fund. Recently, I've seen them timing out. This means that in the marketplace, the balance shifted and borrowers outnumbered lenders.

I'd really like to see some different terminology here. Everything you describe is perfectly compatible with there being one lender, or any other number.
I tried it an pretty quickly went back to C#. The Apple-only nature was the major downside to me, so maybe these kinds of changes will help (assuming it sees wide adoption outside of Apple-land).

Check your local job boards, but if sell yourself as a Swift dev you're likely to be pigeon-holed into Apple-centric development for the foreseeable future.

With Apple sales and market share dropping like a rock in the last 12 months, that might not be the best position to put yourself in long term, career-wise.
yes, I just bought some.
No, there is no exception here. Oracle is extremely desperate to create some distinction between its disagreement with Google and 'fair use' for everything i.e. those who it isn't suing.....yet.

There is absolutely no difference between what Google is doing and what happens in the software industry every other day of the week. Using an API for interoperability and to reuse code developers have written backed by their own implementation. The thing is so laughable because the only reason you use an API...is to interoperate.

Oracle knew fine well what can of worms it was opening here when it came up with the notion that everything else would be fine with 'fair use', but the definition of 'fair use' has to be defined - and thus far it hasn't. It exists only in the minds of Oracle's lawyers who know zip about software. Every legal troll in existence will crawl out of the woodwork on this one. No, Sony vs Connectix tells us nothing here, which shows just how clueless you are.

This was all done and dusted in the 90s with DR DOS amongst other things.
To grow big enough to survive, most civilisations were/are aggressive.
I have seen the same pattern of defaulting on most of my Prosper notes that have defaulted.
Sorry about the typo. UBlock Origin. Not unlock origin. Darn autocorrect on my phone.
Ten Ways Salaried Employees Get Ripped Off
Except the person here is a technical person looking for a potentially non-technical person. You might over-estimate the willingness of non-technical people to go to yet another site to create yet another account.
"never attribute to malice that which is adequately explained by stupidity"

We probably don't know enough yet to be clear what the real details for the departure are. It could be that all of this is due to poor oversight, and not malice.
You're not necessarily wrong, but missing the point. He wants to learn about CS fundamentals so he can discover what powers the framework / stack, not get a grounding in the stack's capabilities itself.
Actually this how many successful people do it. It is better to break the rules and profit from it and if caught, pay a small fine and keep your ill gotten gains. I've learned this long time ago (watching coworkers, family, etc) but will probably never do it myself because I'm just not that kind of person.
The DAO is a decentralized "venture" fund based on the Ethereum blockchain. It is meant to invest in projects and collect rewards for investors.

The amount raised 9 days into the fundraiser already makes it the #2 largest crowdfunded project.
https://en.wikipedia.org/wiki/List_of_highest_funded_crowdfu...

More on DAOs: https://www.ethereum.org/dao
That's rich coming from a C# developer looking at mobile...
Lenin Lab: the team keeping the first Soviet leader embalmed
How much separates them? Other than NZ which tries hard to bring investment. I don't think there is significant daylight between those at the top. And I don't think it's a good idea to relax the rules in this area of commerce.
this should be a top level comment
More common perhaps, but not always more significant. Stack Overflow is a messy blend of the two: lots of questions want to do some strange thing, and it's not always clear why.

The result is that people who don't know better are taught how to do dangerous things (like messing with the history of shared git repos), while people with weird special circumstances get second guessed and lectured.

At least online, I absolutely disagree with the idea that it's easy to tell the two groups apart. Doing so is one of the bigger challenges for lots of "advice" forums.
You can also use 3rdparty API's like LendingRobot that promise higher returns than LendingClub's own auto-investing feature.
Hello, this is probably an error.

First, the program needs to use a starting key to start trust paths, the "from" key. Because most people probably are not connected to the web of trust (or, more specifically, to the "strong set" of the web of trust), it tries to set a reasonable default.

This default is probably the best-connected key, the "c't crypto campaign" key. The connections are analyzed and shown here:

http://www.lysator.liu.se/~jc/wotsap/leafoftrust.html

The connections are so strong because c't is a German magazine (website www.heise.de) which has been promoting the use of PGP for years, and worked as kind of an ad hoc CA for tech people.

The "FROM" key can be set by configuration options, and in fact anyone who uses this should set it a an own key he trusts, because it is not a good idea to introduce single points of failure in the trust web.

Said all that, the program should NOT, under NO circumstance, change the local trust DB of the user, because this could affect trust decisions. If it does that, this is a significant and serious error, which I will fix as soon as possible. Please, do not use this for production purposes before it's checked and fixed.

I'll check and if required fix that today (can't do it right now), please have a bit of patience.

And thanks for the feedback!
I'm just getting started on setting up an OpenBSD router that I want to be the basis for making sure much of my data is secure. I figure I can start with the edge of my network and work in. And for such an important device as an internet gateway, I want to be able to trust it.
So, 90+th percentile for freedom makes the US oppressive?
As someone with a lightweight acer I do exactly the same. Amazon for example literally brings my machine to a halt. Turn off JS and bam it's fast again.
That article is kind of saddening because it's incredibly naive.

At the very least the "ad" was being run by someone trying to create an air of legitimacy around events like... a random popup IN YOUR BROWSER telling you about host system software you might actually need and should therefore go right ahead and install.

Oh HELL no. If it's part of someone's malware campaign, it should be categorized malware. That some dinky piece of their campaign doesn't involve machine-executable code does not matter in the slightest.

The weasely logic needing to justify allowing deliberate attempts at mis-education is how one gets sites for which navigation is rather like attempting to defuse a bomb, blindfolded, while riding a stampeding buffalo.
> Let big pharma reap their R&D costs some other way

How?! You think they should create a social network for doctors? A billion dollars in ad sales is somehow morally better than a billion dollars from saving lives? They're making their money by saving lives, and being criticized for it. You're effectively saying that they shouldn't do any R&D, like the Indian generic drug companies.

Sorry for the exclamation points. I think that you have a particular system of morality, that is more important than saving lives. To me this is like arguing for abstinence-only sex education, which demonstrably does not work. I wish in general people would be more willing to look at data and outcomes.
The context of what I wrote is important.

As I said, Lithium is extracted from briny lakes and salt deserts, which is what both of those US-based mines you provided links to are going after.

Nobody's going after ore for their Lithium. Almost nobody, anyway.
All subscriptions I have on internet websites have been some of my easiest "mental cost". Sites that I visit often, have great content and allow subscription for full ad removal (not partial) - I'm there with my money.
Anyone afraid of breaking a few rules isn't a founder. The lesson: create something people want. The rest will work itself out.
As others have said, OpenBSD is not guilty of creating OpenSSL.. but here are a few of their other crimes.

http://www.openbsd.org/innovations.html

^_^
I'm guessing you have done zero research as to whether Zenefits would have been violating similar regulatory law in any of those 10 other countries.
It is actually based on that one:

http://pgp.cs.uu.nl/

(It uses a web API which the server provides.)
Why Moment Doesn’t Need an LCD Screen
But whatever, most of what 500MB isn't enough for is useless to users. So why should they pay more to get it?
1 in 5 “Who Is Hiring” postings are for remote jobs
No, the difficult is working out what on Earth fair use actually is here.

The fact that what Google has is not strictly compatible with Java is neither here nor there....because it isn't Java.
Discuss your legal documents online
Yup, that seems likely. Their whole shtick is that signature based checks don't cut it and that their behavior based system is the way to go.

https://en.wikipedia.org/wiki/SentinelOne#Technology

https://www.sentinelone.com
OS makes it sound like it's a whole operating system, instead of an office suite.

edit: after playing with the demo it does have more of an OS feeling and no google docs replacement feeling
VisuAlgo - http://visualgo.net/ - is an incredible resource for learning data structures and algorithms. I'm a visual thinker and it was so helpful in fostering connections between the code and the theory.

I would say go through a few of the algorithms there and then try coding some up yourself in your favorite language. Then, once you have a feel for the algorithm I would recommend looking for literature about the algo or whatnot and see if you are able to read the math / logic behind it.

If you want to get a really solid bottom-up grounding, you could also just read all of Feynman's book on computation. His clear and crisp lecturing style is much easier reading material than e.g. Knuth or CLRS https://www.scribd.com/doc/52657907/Feynman-Lectures-on-Comp...
HPC included. A whole lot of simulations fits well into a fixed point.