skysight-inc/HackerNews huggingface dataset:
Australia may not be known as a banking superpower but it has the most user-friendly, affordable, efficient financial infrastructure of all the places I lived in.

There's the most kickass Bill Pay system ever and DEFT, which allows paying by several methods including the credit card, potentially gaining reward points for paying rent. (Reward credit cards may be pricey though.)

Overseas wire cost a measly flat AU$20 a few years ago in WestPac, local transfer was free and quick to a low-risk recipient (and most recipients are reasonable enough to go on with a transaction if you send them a PDF proving you sent the money). If you run a business, your company account can be accessed via the same customer ID.

Suspicious transactions are spotted and the bank calls you if they suspect foul play; the false alarms are rare. Fraudulent transactions (at least minor) are reversed - happened to me once and to my wife several times. No US-like secrecy for bank account numbers, you normally publish your bank account for the people to make transfer to. Tokens are used for business accounts, while the consumers don't have to bother with these.

There's generally no banking fee unless the account is dormant, and then it's about $5 or something (not $20 - $40 like in the US or Singapore).

Nobody uses cheques, obviously (although they do exist).

In terms of foreign currency transfer, there is also OFX, a nifty service where you can keep your incoming funds until the exchange is more favourable (nope, Transferwise doesn't have it), and that charges you the fraction of what the banks take.
What to look for in data science teams
Weight-constrained and energy-hungry. Fixed wing drones can stay up for much longer.
This is something I've wondered about for a long time. Good to see it happen :)

Could it go even longer if the motors burned the fuel directly?

Could fuel motor speeds be controlled with enough bandwidth to remain stable like electric ones?
It's also hard to call it a flaw in Bitcoin, considering it was an intentional design decision.
Yes, I think I misused the terminology.
Thanks for the link! I had no idea our law allowed for that!
You need new friends, new stimulants, a renewed sense of purpose.
A Simple Teradata Python REST API Interface Using Flask
Ask HN: Why did you leave software development?
And a dryer outlet, which is plenty for home charging, is just a fraction of that much.
I think addiction itself acts as a vastly profitable and effortlessly marketable boogeyman today, moreso than a Sisyphean defect of the human condition, if you catch my drift...

> "[...] the wound itself is its own healing when seen from another standpoint." [0]

> "As for smoking tobacco, Shapiro argues that quitting is hard because smoking does not disrupt the smoker's life, not because of the mild effects of nicotine on the brain" [1]

etc. I expect up-in-arms responses to views like mine, but even neuropharmacologically, speaking there is really less of a danger to ~"the disease known as addiction"~ than there is to codifying addiction as a metonym for "sepulcher for all the lost people". I say this for all substances, even something as malicious and unforgiving as carfentanil..

[0] https://socialecologies.wordpress.com/2014/11/19/slavoj-zize...

[1] https://books.google.com/books?id=dcK6-h1ngtcC&pg=PA281&lpg=...
Sorry for referencing you that way. I can't change it anymore. I could have pointed to decisions taken by Mozilla to explain my disappointment instead of extrapolating from your statements. Even if your view were exactly what I was criticizing Mozilla for (which I neither think, know nor assume), there was no need for that reference since my critique is not specific to a person. It's bad taste to point to a single person. On top of that, the inference wasn't well justified. I realize I handled that badly, and I learn from that. So, I actually thank you for pointing it out politely.

I don't mean to justify but rather to give context when I say that these discussion are not easy because there are lots of arguments and comments of varying degree of quality and emotional content, and contradicting voting. It's hard to represent an unpopular opinion. Still no justification whatsoever.
- We don't use 2FA authentication, I guess because there are more cost effective ways of verifying our identity (probably not going to last much longer with all the breaches)

- ACH in the USA is free and fast (one business day)... and that's the main way of receiving salary, paying bills, etc. Is Europe really any better in this regard?

- No one uses paper checks here either...
December 2017 Hacker News Hiring Trends
The first principle of humanity
Thanks! I should definitively save more :)
Any chance there are photos of any sort online? That sounds really interesting and if the photos in the article reminded you of them (the images were gorgeous) I'd imagine they share that trait of gorgeousness.
Assuming that the SWAT call itself was a felony, there could be justification for charging the guy who made the SWAT call with felony murder. I'll leave it to actual lawyers to determine the actual facts of this case, I'm just trying to point out that committing a felony due to which people get killed can, in some cases, lead to felony murder charges.

There's a pretty good description of how that works here -
http://lawcomic.net/guide/?p=1320
In what situations are guns not needed though? I wouldn't even dream of doing anything other than manning a booze bus in a place where people are allowed to legally carry guns if I didn't have my own one.

It doesn't seem like the choice for most American cities is between armed cops and unarmed cops. It's between armed cops and no cops. Why would anyone sign up and expose themselves to that level of risk?
Yes, I forgot to mention that the cutoff now seems to be at around 2pm for most banks (it was much earlier even recently). Transfers after that usually show up on the next day but the value date is often the sending date.

I don't do transactions after 6pm or so, therefore no experience that late. All of this only applies to banking days, no transactions get processed on the weekend.
They are very different. They might have some overlap, but they each have many unique contents.

The one you linked: Fundamentals of Linear Algebra
and Optimization

The one here is: Algebra, Topology, Differential Calculus, and Optimization Theory
I think part of the problem is a indirect result of the US gun policy. In pretty much any other civilized country is very, very rare that the police will encounter someone who is armed. In the US guns are everywhere. So the police constantly feels threatened for good reason. So to me lots of these issues are even more cost from the US not being able to move its gun policy into the same century as every other civilized country.

I get the point about guns being important to protect against a fascist government, but then I literally see a p protest march by Nazis armed with assault rifles...
AWS AppSync Tutorial [Final]: GraphQL CRUD Operations
Third world countries are dying to buy them, gas prices are high and unstable
Yes but are those murders by members of crime organisations or by some random that had a mental breakdown and easy access to his or a family member's gun?
This might be the wrong place and time to comment, but last year there were more than 37,000 motor vehicle deaths in the US. That's more than a hundred every day on average. It's reasonable to fear the road a lot more than police killers (or killers of any kind) in the US, even in light of this horrific event.
The piece about paper checks is not entirely true. I still use paper checks to pay for the daycare and a couple other services. I find it annoying, but a lot of businesses still rely on paper checks.
How is your health / fitness level? I felt a bit like that when I was up at around 260 lbs (I'm 5' 11" tall). I started watching what I ate (I used a food tracking app to monitor caloris in and out and come up with a realistic plan to get to my supposed "ideal" weight which is 185-190 lbs and started some exercise - first walking around the block, eventually jogging and some exercise DVDs in my living room. As I shed lbs, I started to feel better and better, my interest in various things perked up, and I feel like I'm even more social now. Maybe this would help you too? Just a thought.
We live in a world where death is inevitable. All of our systems wear out. Within the various cultures across the globe, death is viewed in very different lights.

Sometimes we can do something about it, sometimes we can't. Death can, in some cases, be quick and painless and in others slow and painful. How an individual handles this is very much up to that individual's internal being. What doesn't help is other people acting and living their lives in such a manner that brings hopelessness to the individual affected.

The medical fraternity is one group that regularly hides death from themselves and the patients and their families. Yet they will also regularly kill those who they feel have nothing left to live for and without regard to those individuals themselves.

When I was at university all those decades ago, the medical students of the time had courses in handling death - how to deal with death themselves and how to deal with patients who are dying and how to deal with families so affected.

It didn't seem to help those medical students.

My own wife has survived four different kinds of cancers. The treatments she has undergone over the years has adversely affected her body and she suffers much now from those treatments from the past. We have been blessed that we are together and that we have seen and are seeing our children grow and our grandchildren grow.

Just by living, each of us will face both good and bad. How we live each day is predicated on what gives us hope and what we see for the future. If there is no hope then death is a dark time ahead.

For me and mine, death, when it comes, will be a doorway into a better, greater future in the glorious presence of my God and Saviour. Till that time, we are here to live as examples to those around us with hope, joy and love.
>2FA is extraordinarily relevant when it comes to theft with regard to online banking

If theft through online banking even exists, it's at such a low volume as to be irrelevant. Most online banking interfaces are a read-only view of recent transactions. Some provide the ability to transfer funds between your own linked accounts at the same bank. Fewer still provide bill pay for a specific set of partner institutions, and a tiny proportion of the most technologically sophisticated banks provide the ability to transfer money to any arbitrary person. When they do, adding a new payee is loud (sends a bunch of notifications) and requires SMS verification and/or digits off your debit card. The transfer is loud and takes several days to actually happen (so you can cancel it), and is limited to a couple thousand dollars at most. This is a fringe thing that a handful of people use occasionally. Most peer-to-peer transfers are going to happen through Venmo, which piggy-backs off a debit card, or through paper checks. Most online bill pay is going to happen by giving the biller your account and routing number.

The largest vector by far for stealing from a bank account is capturing a debit card number in some legitimate transaction, and reusing it to make fraudulent transactions. The strength of the communication channel between payer's bank and payer is irrelevant, because you don't get to weigh in on debit card transactions (or checks) against your account. They just happen, and then you can dispute them later.
I love projects like these. Code looks very clear and organized. How long have you been working on it?
The experts’ guide to making – and keeping – your New Year resolutions
No one is eating the risk, it's simply priced in as a 2-3% sales tax paid to the credit card network ecosystem.
The same applies to most German banks in the other direction but this is by business decision and not by law. Thus some banks do charge a fee for that.
Crypto hype is tiresome
I was interested in the idea of XRP when I first saw their value proposition, especially when they say “Today’s Payment Rails Don’t Cut It” but in reality I can transfer money between my accounts on ally, chase, and tcf bank without the slightest effort or delay. In contrast, my account on coinbase has been inaccessible for almost a month now because of system issues and my account on kraken has been locked in tier 2 for weeks pending verification. So whatever the crypto shills are proposing, the most basic exchange websites do not work for the “3 billion people using the internet” (quoting ripple.com).

These are a bunch of half baked concepts being promoted through websites that cannot scale. And I am talking about websites like kraken and coinbase that have huge numbers of developers working on them.

Finally, if large numbers of people tried to log into their online bank account (e.g. chase or ally) and got system issues for weeks without being able to access any of their money, the economy would literally come screeching to a halt. That these cryptocurrency sites can simply fail to be able to handle the traffic is reason enough to say that this system of transacting cannot be used by large numbers of people globally for essential financial transactions. They can simply turn off everyone's access and take everyone's money whenever they want and we have no legal recourse. This is not banking.

These sites are cashing in on a ponzi scheme that really should be illegal.
Assuming the SWAT call itself was a felony, there's something called 'felony murder' which could apply here. The way felony murder works is essentially that if you commit a felony and someone is killed as a result, you're on the hook for that murder.
I had a nexus 6 for 2 years. Just replaced it last month with an iPhone 8+. My experience with the nexus was horrible and I will never buy another android phone. The quality of the hardware is just abysmal. I hope the iPhone proves itself better.
It mandates that banks offer a 10-second-transaction but not that all transactions are that fast. For example, the only German bank currently supporting that charges a 0,50€ fee while regular (slower) transfers are free.
Not true. If you get any kind of refund on your Wells Fargo credit card, and you want to move it to your checking account, they send you a check by snail mail, which you then deposit. If you use Bill Pay to a recipient that isn't one of the few companies they have electronic clearing with, they make you enter a physical address, for... right, mailing them the check. There is no universal system advertised by the banks I've been with to send money electronically between consumers. If I want to pay my homeowners association's dues (which, coincidentally, I am in charge of, too) I have to use a check. All the above thus includes two scenarios where I essentially end up sending a paper check to myself. I'm European import to the USA, so I may not have figured it all out, but boy, I tried.

Edit:
Forgot about this one: good luck being a foreigner paying the USA government for your immigration proceedings... right, all paper...
Ah. Perhaps it was standard practice to replace plates on a stolen car with stolen plates from a non-stolen car prior to major crimes such as bank robbery at some point.

But if so you would think the criminals would learn to swap plates instead, as who looks at their plates that closely?
Spotify for music discovery, hands down. It offers multiple ways to discover new music (or music new to you). It’s really beyond anything else, ever!
Sorry for the delayed response but:

>the _entire area_ is one or two failures away from Mad Max-level hysteria

That hits the nail on the head about what I was trying to say. Thank you for saying it much more succinctly!

New Jersey got hit in striations of severity so while 1/2 of the state was in maximum emergency mode the other 1/2 of the populous wasn't affected what so ever. They were awake Monday morning competing with all of the folks struggling to survive except they were on their normal routine of heading to work. They acted as if everyone else experiencing trouble were inconveniencing them, also. It was really shocking to see the cognitive dissonance of that group of people during Sandy.

That striation of severity was odd although not impossible to conceive. It caused a sort of suspicion that things really couldn't have been that bad for "neighbors" considering the unaffected people had no damage, no flooding, no power outages, and no felled trees in their yard or local roadways.

My area, on the other hand, was an utter disaster. I was living a bit away from my parents but my first thought after securing my home was to head to my parents house and ensure they were warm and taken care of. There are about 15 different routes I could have taken to get from my area to my parents area. Two were main roads and the other ~13 were back roads and other arteries that cut through the main routes I'd usually take. It took me 9 tries to find a route that wasn't completely blocked off by fallen trees. Once I finally did find a route to make it to my destination it was, of course, the steepest route. The entire roadway was covered in a thin layer of black ice and my poor front wheel drive Honda Civic was barely gripping that ice to get me to the top.

Of course it was my luck to get behind a big SUV. That SUV had no trouble climbing the hill but the real problem was that SUV's decision to brake -- for no reason at all -- before the top of the hill. The slow down in momentum for me killed my climb and I wound up having to pull off onto the shoulder. I slammed on my horn out of fury but I doubt the SUV driver realized what trouble they caused me. It took me 15 minutes of dropping my automatic car into "1st gear" and slamming the gas pedal until my hot tires melted some black ice which gained me the traction needed to gain my momentum back. I was all but 75 feet from the top of a .75 mile hill. It was really shitty, for lack of better words.

That scenario was playing out all over New Jersey since 1/2 of everybody was locked indoors and the other 1/2 was "free" to act normally. Quite an odd scenario. I hope I never have to live through another storm so wicked with a fallout so near Max Max-level, as you said.
Disabling Intel ME on Boot Guard Computers
car and cdr is not necessarily about conses. I made them the basis for iterating over any list-like sequences in TXR Lisp. To participate in the protocol, an object can implement methods called cdr, car and nullify. This latter nullify should return nil if the object considers itself as representing "empty". Otherwise it can return the object itself, or possibly something else, like an ordinary list.
Four separate gasoline engines would be very heavy and a single engine with distribution driveshafts would be mechanically complicated. For fuel-powered rotary wings the speed cannot be varied fast enough to maintain control, so you'd use a collective pitch control on the rotor blades to achieve stable flight.
Hi folks, I'm one of the founders of https://www.topshelfdata.com, the site that provided most of the data used in the article.

Let me know if you have any questions related to the data that I can answer (it may take a few hours since I am about to hit the sack).

Related: here's our Show HN post that was on the front page of HN earlier this year. https://news.ycombinator.com/item?id=13767772
Recap of Newly Listed Coins for December 2017
I use my hotmail for all my non-business communication (i.e. whenever I have to give my email out as a consumer). The spam detection and focused inbox work great for that.
PJON network protocol stack specification v3.0
checklists are powerful technology akin to feedback. under rated, under used, and required for almost all human actions.

This looks like it was copied directly from CIA cadet training.
Ciao, I have specified and implemented this network protocol from scratch with the help of the internet community in 7 years of intense work.
Many good points now embedded in the protocol specification come from here, so I hope to know what do you think about it and how you would use it :)

Happy tinkering and happy new year!
pop ups??
Excise taxes in Washington state on weed are 37%, much higher than the ~20% you suggest for CA.

https://lcb.wa.gov/mj2015/faqs-on-taxes

https://dor.wa.gov/find-taxes-rates/taxes-due-marijuana
Start giving talks on how you accumulated such wealth in a young age -- people always love to listen and learn from stories that inspire them to gain more in life.

Once that happens, you will feel a sense of satisfaction that will self-drive -- the more you help others out, the more you would want to continue. And since you are helping people out in the thing you are really good at, you will have to keep doing that thing to continue to inspire people and stay ahead.

Though, you will notice that starting out will be really tough -- your body and mind will find every excuse to not do it, simply because it is not your comfort zone.
I feel like this song might apply: https://www.youtube.com/watch?v=slox9-f-nSA

We all need something to strive for and always want more, but it seems you're having issues finding what you want.
> If I can infer from Steve's stance the opinion of Mozilla

Mozilla's decisions speak for themselves. There is no need to reference individuals, and less so without very solid basis (which there wasn't).
> So the police constantly feels threatened for good reason

So should we take away rights so the government feels less threatened? That seems like the wrong reason.
Is there still a universal system of acceptance of checks, though, like there was Eurocheques before 2001? Any bank can presumably issue checks, but if no car dealerships take them...?
For a while now I've been thinking about the idea of having a state-funded free and open video and image sharing platform. In the modern world I view sites such as imgur and youtube as vital infrastructure, and would really like to see them removed from commercial influence.

Just like roads need to be created regardless of their profitability, I think it's important for society that we have means to share and view image and video content regardless of profitability.
They said "free", not "Free". As in gratis, but not libre.
We shouldn't be confused with CS and programmer.
very nice analytic tool for looking at this type of data, simple summaries but plenty of opportunity for drill down :)
There was a story a few years ago around my area where a kid who was in trouble with his parents took his father's work truck without asking to get cigarettes. His father called it in as stolen to teach his son a lesson. Well, he ran from the cops and they shot him.

If you're going to send a group of people armed with guns into a harmless but tense situation there's at least a chance that something really bad is going to happen.

And for sure it shouldn't be like that, where cops can and will shoot you given any justification. But "swatting" isn't a funny prank at all and it's sickening that it's even a thing.
Did you even read the section you italicized?

Conviction of depraved heart second-degree murder requires PROOF that the defendant acted recklessly under circumstances manifesting extreme indifference to the value of human life.

"There is no proof that the accused party intended to kill"

It does not require that they "intended to kill." It just requires that they "acted recklessly under circumstances manifesting extreme indifference to the value of human life." You find it hard to believe that anyone could consider it reckless (and indifferent to the life of the victim) to send a team of gunmen, who you've explicitly instructed to be on high alert?
Why would anyone e-file their taxes? It's at least $25 for the most basic e-filing software, or 49 cents to drop in the mail.
Yep https://www.reddit.com/r/nintendo/comments/5mhdwq/hidden_mes...