skysight-inc/HackerNews huggingface dataset:
UK credit score provider Experian used to rely on dark patterns[1] but seems to have moved towards offering consumer finance price comparison services with the useful side benefit of being able to search for stuff you'll be approved for. (I doubt they get many signups for the £14.99 a month "premium" service now they're pushing the free one alongside it)

I can't think of many more unconscionable models for a secondary revenue stream than targeting people who are insecure about their finances and bad at reading small print and trying to get them to pay nearly 100x the price they need to pay for information for some extras they're unlikely to use.

[1]in the UK they're actually allowed to charge a small one-off handling fee of up to £2 if you request your credit store. But "free" plus a large recurring charge for bundled extra data if you don't cancel within 30 days was more profitable...
Blinkenlights Berlin Documentation [video]
"The paper says these exact things. You have to keep reading, and it's hard I know, but for example the last paragraph of section 5 says pretty much exactly this."

Thanks, that addresses my concern. I take back my comment.

But why stop at Rust implementation, there are vendors optimizing it down to FPGA. This sort of comparison is hardly meaningful.
Relationships flower with pheromones.
As part of the space sickness pack - the sinus of every astronaut is swelling and they can not smell anything anymore. Thus love in space becomes unlikely, due to space?

Love on mars though - well gonna have to ask David Bowie for that.
I disagree with Zinsser about colons.
Sure - I think the git repo is dead, I'll resurrect it if you're interested.
The banks have a profit motive for assessing credit risk accurately. They are the ones who make money if this is done right. So why don't the banks pay for it? Why are we subsidizing the banks' business model by paying for credit reports at all? I don't have to pay if I want to receive more than one bank account statement per year, and bank accounts are another product the bank uses to make money off of me, just like loans.
Ask HN: Why do engineers as a group allow opaque offer letters?
As a group, why do engineers allow opaque offer letters? What I mean by this, is that the standard practice for offer letters is to include the number of options being offered, without the number of fully-diluted shares also being given. FDS is a critical number. Employers are often even misleading in that instead of FDS, they use a smaller denominator to calculate your percentage: outstanding number of shares.

As a group, why do engineers allow this? Unfortunately, I believe it to be the lack of sophistication on the part of engineers. Investors wouldn't invest without some sort of documentation on FDS. Engineers will invest precious time and energy. Investors may or may not do the same, but they have the benefit that engineers do not: diversification.
How often do you "unexpectedly need to scale out"? By an order of magnitude at least that is, because under that you could add a few more of those beefed-up machines.

I wonder what happened with YAGNI principle. It has arguable uses in some places, but this one it seems to fit perfectly.
The dataset provided by the JPMorganChase Institute is freely available:

https://www.jpmorganchase.com/corporate/institute/document/l...
This. It is also the reason the system seems weird to me - their incentive is not same as mine as a customer.
Yes, can we use time-domain techniques on this frequency range?
So, you want class based polymorphism, and you want trees of objects with back references. Sounds like Qt to me. I have the feeling the author tried to translate his knowledge of OOP languages to Rust.

Bad idea. Try F# first.

Seriously: my current favourite language is Ocaml, and it would have basically the same problems. But I don't care, because I don't think like that. I have other ways to solve my problems.
Sailfish OS update Aurajoki now available for all
FYI: Truther article
Retail banking history is not a factor in credit scores.
I did HEX > ASCII > BASE64 Decode... Got this.

---

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With some editing out of characters...

Yan Lei who suffer㫍Qie ې Da Cheng
ruin
Fenghun rope䇤throat Fengchui O destroyed ʍϢU
摗Yu秺
䰢Ren Ju scabbard 뭡 Lun 뫶

---

Not sure if I'm on to something but was interesting seeing the Chinese characters.
It's not reasonable for a very simple reason. A lot of people who aren't good with money end up getting credit anyway.

You could learn about peoples financial maturity through simply checking their normal debitcard/bank transactions.

Does he/she pay is monthly rent, is he/she constantly hitting zero on their balance etc. None of this require credit card usage.
>That isn't what the ruling says: you can still assume content is legal. Only when you know (or "should have known") it isn't do you need to unlink it.

That is simply incorrect. Here's what the ruling says:

When hyperlinks are posted for profit, it may be expected that the person who posted such a link should carry out the checks necessary to ensure that the work concerned is not illegally published.

"Carry out the checks necessary" means that you cannot simply "assume content is legal".
The footprint of those iPhones 6
I think there is maybe a couple more steps to it but interesting to see what you guys come up with.
"Regarding graphs: The best solution is option 3, using a crate on crates.io (petgraph is the most popular, but rust-forest is fine too)."

Or, couldn't you have a vec that owns the nodes and use indices instead of pointers? Or use pointers with the lifetime of the vec?
Free Isn't Freedom: How Silicon Valley Tricks Us
In that case, just use Vec<Box<Widget>>, which means "a vector of objects which implement the Widget interface."
I'd assume you are being downvoted because you are making assertions about the US credit system without actually knowing how it works.
There's absolutely no need to take out a penny in loans to build a credit score. That's a myth.
I guess I should be clear: I want people to live in some of those smaller towns; I don't want them to live in the boonies, 30 miles from the nearest store. There were once small, walkable, towns, in America. Much of that is gone.

But, I don't get to tell people how and where to live. Lots of formerly vital little towns, with two or three grocery stores, two or three box stores, and a bunch of little mom and pop businesses, are in decline as younger folks flee to bigger cities. Those are the places I think would be nice to see revitalized. I don't recommend a return to rural lifestyles...unless you're growing most of your own food and working remotely (I know some people doing this, actually), it'd be an ecological disaster.

So, I agree with you. Fixing our cities by allowing more affordable housing to be built would be great! That's fine with me, too. But, there's also plenty of room to spread out in the US, and there are ways to do it without negative ecological impact. But, it probably takes planning on a scale and of a kind that won't happen. Just like moving the needle on the housing crisis in places like SF has proven to be extremely difficult.
Cute, but I think there's a bigger issue than just people not voting. Local races, and local issues they can have a dramatic impact, get very little news coverage. So even if you vote, you don't really know what you're voting for. Many ballot initiatives are intentionally confusing to take advantage of this. This is dangerous.

Perfect example, in Texas the Energy Commission is known as the Railroad Commission. These people have tremendous power over oil production and thus our economy... But if you are the average voter who only knows about parties and the presidency, you probably are just voting blind, or you say to yourself, "I really don't care who runs the railroad... didn't even know we still had a railroad... how quaint."

Another great example, the wording on the ballot initiative that banned Uber and Lyft from Austin -- in the exit polls many people thought they were voting to keep Uber and Lyft but in fact voted the opposite of their intent.

We need to do more to ensure that people are aware of the down ballot issues and races -- voting doesn't mean much if people aren't informed and are just selecting candidates based on who's name looks better on the page.

EDIT: Cleaned up typos. Why did I try and write on my phone? Sorry!

* Explaining Exactly What a 'Yes' and 'No' Vote on Prop 1 Means | KUT || http://kut.org/post/explaining-exactly-what-yes-and-no-vote-...

* Ask the Candidates: Should the Railroad Commission Change Its Name? | StateImpact Texas || https://stateimpact.npr.org/texas/2014/02/24/ask-the-candida...
Beans and vegetables too! But yes, this is mostly right.
> It's absurdly backwards because it's asking you to create debt which normally is the opposite of showing you are good with money and I would question the validity of seeing people paying back limited debt to be indicative of ex. borrowing for a house.

First of all, you can have an excellent credit score without paying a penny of interest. All you have to do is buy things with your credit card, and pay the bill in full when it arrives. You will never pay any interest when you do this.

Second, the people who measure risk for a living have determined that people's history with small amounts of debt is indicative of their ability to manage larger amounts of debt. Do you think their actuarial models are incorrect, and if so, why?

Furthermore, it's not like a good credit score is all it takes to get a mortgage. Proof of income matters too. As anyone who bought a house since the 2008 debacle will tell you, mortgage lenders take great pains to verify borrowers' income and the source of the money they use for their down payment.

> You could instead just look at the history of their debit card usage to figure out whether they are trustworthy.

No, you really can't. A debit transaction is a direct deduction of money from a checking account -- it is not debt. The only thing that can go wrong is an overdraft, and even when that happens, the payee will probably be unaware of it. Debit is more similar to cash than it is to credit. People have very different psychology and behavior when they use debt instead of cash.

There are plenty of problems with the credit system in the US, but the things you have identified as problems are not real problems.
> The author seems to be confusing typeclass composition with OOP.

I agree and would like to expound on that idea. One of my biggest frustrations with inheritance in traditional statically typed languages (I program in C++ for a living) is that inheritance is performing two functions at once: code reuse and typing. Confusing the two seems to cause a lot of pain. Inheritance as a type system is describing the kinds of things the object can do. Inheritance is (usually) a sufficient condition to say that the types can be used interchangeably. Making inheritance the only way to express the type information often forces some very unfortunate code.

The author is trying to use traits as a code re-use mechanism. He wants the trait to be able to see into the implementation and be a function of the implementation's private data. If that were allowed, that would invite all of the pain of inheritance for that kind of trait. Types with a different internal implementation would end up being awkward at best.
On this topic, I'd like to ask how 3D printed parts fair in the new engines being built. [1]

I'd love to hear about this from a Metallurgical Engineer or a Material Science Expert.

[1] http://qz.com/667477/ge-fires-up-worlds-largest-commercial-j...
Are you saying the responsibility falls on the consumer in the factual sense or the moral sense? I mean, that it falls on the consumer in fact seem obvious, but I don't agree that it does morally. I think the person or group that makes he mistakes are morally responsible.
My experience echos the OP of this thread; having data in one place backed by a compute engine that can be scaled is a huge boon. Enterprise structure, challenges and opportunities change really fast now, we have mergers new businesses, new products and the requirements to create evidence to support the business conversations that these generate is intense. A single data infrastructure cuts the time required to do this kind of thing from weeks to hours - I've had several engagements where the hadoop team has produced answers in an afternoon that were then later "confirmed" from the proprietary datawarehouses days or weeks later after query testing and firewall hell.

For us Hadoop "done right" is the only game in town for this usecase, because it's dirt cheap per TB and has a mass of tooling. It's true that we've underinvested, but mostly because we've been able to get away with it, but we are running 1000's of enterprise jobs a day through it and without it we would sink like a stone.

Or spend £50m.
You have to leave the mail sitting for a certain amount of time, at which point it falls under the "abandoned" part and can be picked up without a warrant. Unfortunately they didn't interpret email being read as being picked up, since it's still sitting in the server.
> GUI libraries are an interesting special case: They involve huge class hierarchies, lots of implementation inheritance, circular references, and tricky ownership.

I doubt they have to be. There are other ways to do GUI, see for instance how Light Table uses a database-like Entity Component System. https://www.youtube.com/watch?v=V1Eu9vZaDYw
I live in the US so yes I have a pretty good idea of how it works.

But please point to where I am wrong about the credit score system.
I second that curse.
I am not claiming that he is pushing the product, just that his opinion can be biased, but then how would you want to push clearly technical product like Rust without technical discussion?
This wasn't a credit report, though... This was a background check service. There was no way for the consumer to proactively check it and correct errors.
For context: https://upload.wikimedia.org/wikipedia/commons/thumb/7/75/Tu....

The blade in the first picture would sit in the high-pressure turbine, just behind the combustion chamber. Note that the flow path of a jet engine corresponds directly to the pressure-temperature transitions of the Brayton cycle, which governs the operation of gas turbines: https://www.grc.nasa.gov/www/k-12/airplane/Images/braytonts.....

If you're wondering why Rolls Royce goes to so much trouble to build turbine blades that can handle high temperatures, see: http://web.mit.edu/16.unified/www/SPRING/propulsion/notes/no....

Also note that difference in size between the XWB's fan in the second picture (of the article) and the turbine blade in the first picture. The XWB is a high-bypass-ratio turbofan, which means almost all the air taken in by the 3-meter-diameter fan bypasses the core of the engine, generating thrust at low exit velocity. Only about 1/10th the air goes through the core of the engine. There, it is compressed, so by the time you get to the HPT, the flow path is quite narrow. As the turbine section removes energy from the hot air, it cools and expands, and the flow path gets wider.
I tend to look at the percentage of ratings. Literally 1% of the book's reviews are 1-star reviews. Saying that 1% of 1-star ratings is "more than a mite worrying" seems overly negative to me. I'm genuinely interested in what you buy online if 1% of 1-star ratings immediately deters you.
I sincerely regret that the US is currently missing critical opportunities such as that to deploy a state-of-the-art universal health insurance, while most of the energy of those who could support that effort is dedicated to discussing basic income.

Also I point out that real-life enactments such as the French RMI, even though they succeeded at providing critical resources to those in need, are under extraordinary financial and political pressure. That pressure explains why it's become so complex, ridden with adverse effects and hated by much of the political spectrum.

I'm fairly certain that basic income would suffer the same fate. Therefore I see it as a political dead end and a distraction from much-needed debates on critical social risks in the digital age.
Also, many offer letters request you sign 1 or more documents citing that you are signing on to at-will employment, etc., etc.

Often times these offer letters also cite a stock option plan that you are not yet given - that you will receive at some point in the future (probably within a month or so) that includes the actual terms of your options.
Exactly. If you read that thread you can see there's careful and ongoing technical discussion of the details necessary to implement the feature.

It hasn't languished, it's not just a bunch of +1s met with developer silence. What precisely is the author expecting the Rust team to do better on here?
Dolphins vs. Seahawks live stream free
In CSS, set line-height first, padding second
> I almost wish Anonymous or someone would publish every American's number so that we'd be forced to stop doing it.

for($i = 0; $i < 1000000000; $i++) {
print str_pad($i, 9, '0', STR_PAD_LEFT) . "\n";
}

There you go! Guaranteed to contain every American's SSN.
He can make it inside his profile. Then i am not anyone because i didn't know he was involved in Rust some time ago, i learned that by a coincidence some time later.
The Greeks had turbulent politics both before and after the democratic period. I'm kind of impressed by the resilience of Athenian democracy.

Plato's a great example of how much better antidemocratic views seem to have survived subsequent transmission. Whenever we read historical judgments instead of facts we need to keep in mind we're seeing what managed to keep getting copied over almost two millennia until the printing press, almost all of the time under ideologies where the prince's word was law.
My solution:

#!/bin/sh
wget https://www.mi5.gov.uk/sites/default/files/u2/puzzle.png
convert puzzle.png puzzle.xpm # Convert the image to XPM with ImageMagick.
# Here is what the contents of puzzle.xpm looks like:
# http://pastebin.com/0PySSAXx. The spaces represent one color and the dots
# the other. We'll replace the spaces with underscores for readability.
<puzzle.xpm tr ' ' _ \
| tr -d "\n" \
| sed -e 's|","||g; s|^.*\*/"||; s|".*$|| # Remove metadata, C framing.' \
| sed -e 's|_\.|_\n.|g; s|\._|.\n_|g # New line on color change. ' \
| awk '{printf "%c", length($0)}' \
| xxd -r -p

The XPM image file format (https://en.wikipedia.org/wiki/X_PixMap) is great for doing things like this. I find it easier to read and to edit by hand than the Netpbm format family. It seems ImageMagick can't write XPM2, though, which makes extra preprocessing necessary.
Sure, comment in profile would be sufficient.
http://john.je/hQYZ anyone know what this huge white dot is?

Also, does that + this worry anyone else?
http://abcnews.go.com/Health/fda-gmo-mosquito-test-fight-zik...
I work for Capital One and their target customer is actually people without credit scores. As far as I know, it's the only company that actually targets these customers as the primary revenue stream and also makes money.

The way it works, is they usually only give someone a $500 limit, then double the limit every 6 months If you pay monthly.

Once you get a job you can get a bump to $2000 limit with the 1.5% back easy. You just need to get a job for that.

I'm 1.5 years out of college and have access to ~100k in credit cards with a score of 750. I started with a score of 540 1.5 years ago. It's really not hard at all.
Err, Global Entry is a members-only program. Unless you're actually a member (or a member of a similar program in a country with a reciprocal agreement), of course you can't use those kiosks.

GE doesn't match by name and birthdate, it uses your known-traveler number.
So why the collective censorship?

There is no such censoring of "murder" news.
>I'm not sure that a credit agency would know if someone was incarcerated

I would assume they can get this information, considering that some reporter seemed to be able to get this information easily.

Making hard decisions on wether two people are the same is hard. But that's exactly why "name and year of birth match" seems like a naive algorithm. I would expect a match probability based on the treasure trove of statistical data that these agencies possess. A person that is currently incarcerated is less likely to be the same person that is currently spending and earning money, and for which landlords request reports. Skin color is strongly correlated to place of residence: if you know (automatically or manually detected from a mugshot) that one person is black, you can get the statistical probablility that the other person is black from the neighbourhood he lives in. etc.

>I think the root of the problem is getting a criminal background check and a credit report from the same place.

I agree that this is also not optimal. In Europe this type of information is obtained by requiring a criminal record certificate, a certificate anyone can get from a police station to show their (lack of) criminal record.
Yet thats exactly what I had to do.

I had to basically fund my own credit for some time and pay it off. All which cost money of course.

As a foreigner thats how it's normally done. At least in a bank like Citibank.
Android Development Useful Tools
Citi, Discover, and American Express also provide real FICO scores (as opposed to the estimates provided by some of the other credit sites).
If you give everyone $1000 a month (to round the numbers) now the work of someone who makes $1200 a month is only worth $200 (as one can make $1000 just by idling). Would this person want to work for $200 a month?

This is a major disincentive of work.
The dynamic (converting universal benefits into means-tested benefits) happened 2 years ago in France with universal childcare benefits ("allocations familiales"). It's true that people weren't happy, but the pressure in favor of austerity was just too much and it was implemented very gradually.

It hasn't happened to Social Security because, if I'm not mistaken, the pension amount is proportional to what you earned during your career => hence the rich pay more but also receive more. Same with unemployment benefits.

This is actually the only way to make a universal monetary benefit politically sustainable. And UBI, with its fixed amount, doesn't match that criteria.
It's a blessing and a curse. Yes, if you've recently moved to the U.S., then you are screwed for your first year or two - need to get a secured credit card, and everything will be a hassle without credit history. Nobody will care about your salary, bank statements, assets or anything.

But then, after 3-4 years, it's pretty damn convenient not needing to mess around with lengthy applications for credit (except for possibly on a mortgage), and having a credit reputation that's completely portable across providers.

It pretty much makes sense that newly arrived residents are a corner case that isn't worth worrying about too much for the banks and credit reporting agencies - at any given time, the number of residents who have been here for less than, say, 2 years is going to be a pretty small, somewhat risky part of the market (less assets in the country, more likely to leave).
But it's also true that if you come to the US during or after college, banks will not issue you a credit card.

Instead, they will issue you a 'secured' credit card, where you get a $300-500 limit on a card against the same amount paid to the bank as security. Only after a year or 2 of this, will the bank actually issue credit.

Maybe you had an account/history with the bank for a while, and that made a difference?