skysight-inc/HackerNews huggingface dataset:
I guess you didn't actually read my comment. I'm gonna blow your mind with this: people have differing opinions on things and that you have to immediately question my 'motivations' or assume i'm some sort of 'paid actor' is the kind of ad hominem attacks I'm so used to seeing on HN.

Payday lending offers a very specific type of service. Extreme short term loans. Like all loans, there is risk associated. Unlike other loans traditional payment plans do not really apply. Interest rates will be different. However, with the market operating appropriately, people will move towards the better options. This might include, better service, better interest rates, better contractual agreements, who knows. It's the free market.

I wasn't even defending it. I was pointing to an economist who is a noted hard libertarian type who did defend it, in the hopes that someone might read it and think to themselves - for a fat second - "wow some people do not see the world the way I do", you have utterly failed that test.
You can write platform specific code in Python. You can get the current operating system and you can write an if statement comparing against operating systems you want to write specific code for.
"Also, the official, who spoke to journalists on condition of anonymity, said that if the rule had kicked in, some two-thirds of borrowers wouldn't qualify for a payday loan."

... pretty brutal. From the CFPB[1], 82% of loans are renewals, and ~50% are longer cycles of debt. So, naively, of the 66% of people no longer eligible, one might expect 75% (50%/66%) of those to be stuck in a debt cycle and 25% (16%/66%) to no longer have access to credit.

[1] https://files.consumerfinance.gov/f/201403_cfpb_report_payda...
Even if they did just keep a few billion dollars of physical cash in a vault somewhere, that would just increase the purchasing power of the remainder. The total value of all currency in circulation (all forms combined) tends toward the total value of all of the goods available for purchase.

Taking money out of circulation is a bit like making a loan to everyone in proportion to the amount of currency they hold; when you do decide to put it back into circulation, that increase in value (deflation) represents the interest you receive on the loan.
I recently received an email claiming to be from paypal (the SPF+DKIM passed) but inviting me to click on links in "epl.paypal-communication.com". How do I know this is not phishing? It certainly looks like phishing, and I certainly wouldn't click on those. But if it is not, how stupid must these guys be to use "paypal-communication.com"?
Microloans exist, and offer credit at non predatory rates to low-income people, especially in third world countries.

Your comment reeks of astroturfing bad-behavior.
Note that DMARC modifies the meaning of SPF. SPF without DMARC protects the envelope-sender and not the From header.

With DMARC SPF protects the From header as well.

SPF, DKIM, and DMARC maybe useful against fishing. In the long run it doesn't do anything against spam. So it is rather unfortunate that gmail (certainly on IPv6) is so eager to classify mail without those headers as spam.
This may not be a canonical application of a data model, but expressing graph queries using "Cypher", the graph query language invented by Neo4j, is very intuitive to my mind. I find the use of ASCII art to help visualize the relationships welcome.

For example, say we have a graph of movies, actors, reviewers, producers, etc. Here's Cypher query that returns the names of people who reviewed movies and the actors in these movies

MATCH (r:Person)-[rev:REVIEWED]->(m:Movie)<-[:ACTED_IN]-(a:Person)
RETURN DISTINCT r.name AS Reviewer, m.title AS Title,
m.released AS Year, rev.rating AS Rating,
collect(a.name) AS Actors

Another example: You want to know what actors acted in movies in the decade starting with the year 1990

MATCH (p:Person)-[:ACTED_IN]->(m:Movie)
WHERE 1990 <= m.released <= 1999
RETURN m.released, collect(m.title) as titles, collect(p.name) as actors
ORDER BY m.released
As someone that provided development and system administration support for multiple payday lenders for a few years, I will say that their adherence to the rules each state enforces for payday lending companies I dealt with was often "spotty". It was a regular occurrence that they would have a state regulator visit to look at their operation, and they would all of a sudden be scrambling to make one or two accounts that they had completely dropped the ball on disappear. E.g. where they had rolled over a bi-weekly payment of $125 on a $500 loan for over 50 consecutive weeks.

Let's keep in mind this is the industry that responded to legislation that you can't have the loans continue past a few periods by laving that last payment immediately preceded by another loan of the same amount, of which the amount needed to pay off the prior loan was immediately subtracted, resulting in zero difference in payments, but a new loan on the books. IIRC, for some states that required the loans be paid in full at the first opportunity, it meant a new loan was issued every pay period (that is, loan of $500, two weeks later a new loan of $500, which is used along with a $125 charge to close out the prior loan balance of $625 and issue a new $500 loan, continue as long they're unable to pay off the loan amount of $625).

There is some benefit to the system though. I did see plenty of accounts where the customer paid it off in full at the first payday, which still results in a large fee, but that's acceptable for people getting same day short term loans. There's also quite a bit of defaulting on the loans, which means there's some justification for the high fees/APR. It's just where the system is abused and customers are funneled into systems used to milk them for large amounts long term where I was particularly upset by how it worked.
Deanna Mari' “Flawless”
Stating that still assumes rational actors. It is based off the premise of "freedom" above all else. The problem with freedom is that the way it is defined really depends on what you want to achieve. Infinite choice is the simplest form of freedom, but in this case, you are enabling market forces to remove the ability for people with poor judgement to lose any capacity for future financial freedom, a form of freedom I would argue is more important that short term choice.

Edit: I would also like to state that extending credit also increases demand, pushing up prices in the rest of the market, increasing the demand for credit for all players. This is exactly how housing bubble flames are fanned, and it applies at any level of the economy. If people at the bottom are unable to afford necessities, providing them more credit doesn't actually increase their capacity to afford necessities, it is simply a time shift. If that is the scenario that is coming up, a different solution must be found, otherwise you just end up with more interest going to people who already have the money. Classic Gamblers ruin.
Interesting. I asked mostly because I've hopped around a lot, trying to find that one language that just clicks with the way my brain works. Java, Javascript, Go, Scala, Ruby, Rust, Python...they all had things about them that kinda clashed with the way I intuited problems and attempted to solve them. I've instead tried to rescope my thinking into "I'm the problem, I should try to follow the language's idioms to find solutions."

Of the languages that I've enjoyed, I've spent the most time in Go. I've kind of just hitched my wagon to it, regardless of whether I like it or not.
They do not evade taxes, that is illegal. They pay what is legally mandated.

Not using tax strategies when you are major corporation with millions of shareholders would not be in the interests of the company and it is silly to expect them to voluntarily pay more, especially for some subjective belief on what the "right" amount is.

If you would like them to pay more then change the law to make them do so.
Overview of the sum/product problem by Tao https://terrytao.wordpress.com/2007/12/06/milliman-lecture-i...

[e: that lecture is almost a decade older than the result mentioned in OP]
Ask HN: What are the primary reasons / complaints young have for not hiring old
I've seen several threads recently about ageism. However the conversation always trends toward discussing with old folks why young folks don't hire them.

How about we turn the conversation on its head and find out from the young folks why they're not hiring old devs. Obviously this isn't a blanket indictment. My guess is there are certain profiles of people that are having the majority of the problems.

In fact I'll go out on a limb and guess that a lot of older folks having trouble finding work were previously in cushy jobs with conglomerates who held virtual monopolies / oligopolies in their industries. Well, technology has changed all that, and they got caught with their pants down when these companies finally started realizing they were going to have to compete to survive.
Grin seems interesting, they gave a talk at Real World Crypto last year. I'm wondering why they think proof-of-work is the way forward though, I'm not sure I would agree with proof-of-work nowadays.
In what way is a rule that “ requires payday lenders to check borrowers' ability to pay” misconceived?

Payday lenders have a perverse incentive to ensure that borrowers can pay the initial interest, but then have to roll the loan over, accruing more interest. Market competition doesn’t change that.
I'm guessing it's precisely to reduce wages and keep them low. The whole tipping is dumb and adds friction to the service. Just charge all-inclusive price.
I am the same avoiding services that require tipping.
Productivity enhancement
I built a productivity enhancement tool that can hopefully help you to get into flow state, easier and longer.

One click install: https://bit.ly/2DhhPEn

Bonus feature: based on chrome, it can tracks how distracted you are, and alert for a flow session, that protects you from distraction, and facilitates the focus with special nature sound, and curated focus music.

Let me know once you installed it, love to hear what you think, and offer 3 months free subscription, as a token of appreciation. Enjoy!
Nobody is necessarily saying get rid of payday loans.

Only that they are heavily regulated to ensure that (a) consumers are fully informed, (b) no lending occurs to people who can't afford them and (c) interest rates are capped to reasonably levels.
Giphy built their business scrubbing tumblr for gifs and reposting on their servers. Stolen from countless gif artists with zero repercussions.
On being married: Your speculation is right on the money. Having a wife/husband increases your network size especially if you're a sit at home homebody type (lolz). Their friends become either your connections or at the very least give you much more data points. Women tend tend to share important information more freely with each other, thus you can hear about a lot of interesting stuff going on at other lives and companies, etc.
The thing about mechanics like upvotes/downvotes, is that they're ripe for exploitation by evil/sociopathic people. (For virality. Often for outrage-driven virality.) That's okay on a place like reddit, because things are largely pseudonymous, and if things go south, you can go to a different place or just take a break or even get a new username. Your real life network of friends and family isn't so easily abandoned or replaced.

Not so sure what the difference is with Twitter, but maybe it's one of granularity. There are no boundaries there, so people have to police things themselves with block lists, or appeal to Twitter itself to get people banned. It's also clearly ripe for exploitation by sociopaths.

https://meaningness.com/geeks-mops-sociopaths

https://www.youtube.com/watch?v=wAIP6fI0NAI

(What of HN? HN is moderated.)
Sr.ht becomes Sourcehut
>so that they can charge many times the original amount in interest per year.

These are short term (till the next payday) loans. Thats like saying a hotel room costs 36.5k/yr. News websites posting crazy 400% apr numbers are being deliberately misleading. When in reality its more like you pay a 20% fee to get money now and repay it next payday in 2 weeks.
People who seriously object to SNAP, or find it to be too generous should seriously spend a month on it. It's legitimately difficult to shop and budget around because it so restrictive and you don't get much.

Yeah, you may technically be able buy some lobster with your SNAP, but it would cost several days worth of benefits to do so. But if someone is willing to go hungry for a few days in order to indulge in a modest luxury, then why not let them? The whole point of these "free market" welfare programs is that people know best how to spend their money.
Right, payday lenders are well known to be not-for-profit organizations, focused entirely on their customers' best interests.
Where did you get that? GP is talking about lighting a floor in a building.
Some of that is happening in the US right now. Dense (mostly coastal) cities; built on clustering effects, immigration, and highly skilled workers; are thriving. That model is working, but it brings with it high pay disparities and disruption of outdated social structures and values. Whereas the older model of geographically disbursed industrialism, which peaked in the 60's or 70's, is faltering.

How does that manifest politically? Look no further than Trump:

https://hbr.org/2016/11/what-so-many-people-dont-get-about-t...

His entire candidacy was about "owning the libs" and their globalist, diverse, cosmopolitan world. A backlash against socioeconomic change, with very real consequences.
What kind of performance did you get client side? A problem I see in the web space is that fastest encoder you can get is locked inside the browser so you need something in JS or WebAssembly.
> This is why it’s commonly telling you what happened, not why it happened or under what conditions it might happen again.
Spectrum - Chrome Web Store || https://chrome.google.com/webstore/detail/spectrum/ofclemegk...
Google Talks Up Vets in Super Bowl Ad. Does It Walk the Walk?
s/hand it"assault weapons"/handguns or "assault weapons"/
Cool; I'm about the same age, been getting paid to do, for the most part, what is called 'devops' today since 1993, though unpaid a number of years before that.

I'll confirm and reinforce everything you're saying here.

Six weeks after I decided to move companies, last year, I had three excellent job offers to choose between, and even more that were less great but still doable.

> you should be GOOD

I like to think that I'm pretty ok at this. Being able to compare and contrast Linux top half and bottom half interrupt handlers all the way through optimizing a y combinator implementation during an interview leads to some good results.

To the other replies about how to stay passionate after so many years of 'basically the same things over and over': I don't have a good answer to that.

I did some amazing stuff earlier in my career, and I long desired to find a place where I could go even further, but I've come to realize that it's unlikely to ever come about again.

Perhaps it's kind of like 'grinding' in your favorite video game. Same stuff, over and over, mildly challenging. Take pride and feel good about getting it done, well, again and again.
Last night I was watching the State of the Union via C-SPAN's YouTube stream. My husband walked into the living room, having just driven back from an errand, and jokingly recited the next several sentences along with Trump.

He had been listening to the local public radio station in the car, and by comparing the TV to the stereo's FM receiver I was surprised to find that the youtube stream was about a full minute behind the radio. I had expected that YouTube would lag behind traditional media that tend to be using things like dedicated satellite relay capacity to spread live events to broadcasters, but I was very surprised at how large the difference was - one that seems to notice in today's world of people commenting on public events on real-time media like Twitter.

Indeed, watching Twitter I could see responses to parts of the speech that I hadn't seen yet. Must really be interesting for sporting events where a social media post about play could "spoil" the game.
I usually just move my phone really close to the lightbulb and watch the live camera view. At a certain distance/angle you can usually see the flicker as banding across the screen.

I saw a test in a Swedish newspaper lately that showed IKEA's cheapest lightbulbs as one of the less flickery ones in the test. IKEA art.nr 303.887.64. So much for the price to guide you.
CORS only apply to browsers

http://performantcode.com/web/do-you-really-know-cors

Common Misconception About CORS
At the first glance, CORS configuration on a server side looks like some sort of ACL (Access Control List) – a server returns the origin that it accepts requests from. The only way to access a resource is to send a request from the origin whitelisted by a server, right? Not really. Remember that HTTP isn’t used only by browsers and you can send an HTTP request from any client like curl, Postman, and so on. If you prepare a custom HTTP request in those tools, you can put any Origin header you want. You can also skip it and a server usually returns a correct result anyway. Why is that? Because as I mentioned earlier, Same-Origin Policy is a concept implemented in browsers. Other tools or software components don’t care about it that much.
Well as a Dutchman I would have said they are, but indeed, it seems they do not see themselves as being on the continent. Unless convenient, I guess.
The next Firefox will block all autoplayed audio, video
I had to use it because tuition for school + new apartment rent was crazy, and I had just started my new salary job(1/mo payment).

Fees arent bad if you have your shit together. But I did the math ahead of time.
Do you think that $420/yr difference is really moving the needle on poverty?
You are making the assumption that all banks have to work the same. Even at a default rate of 20%, that doesn't justify the 300% APRs that payday lenders charge.

And I agree that banking is not a sufficient solution, but it is absolutely a necessary condition for solving this crisis.
Agreed. Given the new fintech wave, I'm surprised that there hasn't been a Digit or Acorns competitor for prized-linked savings account rolled out yet.
> If you take away that option, I don’t get my car fixed and lose my job. That’s the alternative.

Except the rule that is being killed is the one that told lenders they needed to check to ensure that the borrower would be able to pay the loan back.

In your case, with your car and your job, you would pass this test. And if you couldn’t then lending the money would put you in a worse position than immediate unemployment
Same here, lost my job cause of burnout, didn't get a job for the past 1.5yrs. Lost.
it's not just about people, it's about everything. A company is like an organic entity trying to grow at all cost. It cut corners, it finds loopholes, it even does illegal stuff if it has to. But this is not their fault, it is incentivized by the free market and by capitalism.

I'm not sure what's the right answer here. Changing the incentives? Or penalizing companies (that's what we do)? I don't think we're getting rid of the free market any time soon.
Ever notice how that's the entire premise of leftist thought ?

"Let's just restructure society the way we see as better", and then the addendum "not by helping - of course, by force of punishment" once politicians come into it.

I wish we went back to the left of the 90s. No more "you can't do X - bad for climate", "you can't do Y - bad for the poor", "you can't do Z - bad for the children".

I want the left back of nuclear powered rockets for everyone. I want the left of a suburban home for EVERYONE with an on-demand electric private tram in front of it. Modernized, perhaps slightly less nuclear (although if that's what's needed, go for it) but essentially that concept. Granted that was more like the 60s, but ...

In the 90s, the left was "We'll give everyone a good life. A car, a home, decent food, some amount of holiday, decent transport, ...". Now it's just "not that. No not that. Not that either. DEFINITELY NOT THAT!". Well, that and conspiracy theories (face it people, Exxon Mobil has a 5% profit margin, 9 in their best years, -40 in their worst. Eliminating all their profits ... won't just pay for everything. And no, that does not make them evil)
Absolutely - the way he described it sounded like a horrendous accident waiting to happen, especially for smaller / home shops where the operator may not be aware of the problem. He was under the expectation that LEDs solved this problem, though he is using drop-in LED tubes that may have some better persistence through the off-cycles.

I do some occasional wood-turning, but usually augmented with ambient daylight - along with the dubious safety advantage of having a very noisy electric motor.

Plus I'm old enough to have used a timing light hanging off a distributor on my first car. Try explaining that to the kids of today. ; )
I personally believe that it is this sort of attitude that is driving some people away from Clojure. You could have easily structured your comment to be constructive instead of being defensive. The issue is not so much that people don't like how Clojure is managed, it is more so the lack of transparency and the (rather unprofessional) way that Cognitect (Rich) handles criticism and input from the community.

I get it. Clojure is Rich's gift to the world and he will do with it as he see's fit. That's all well and good but make that clear so that people thinking about checking out Clojure know it up front.
Freedom is nothing without freedom to make mistakes.
Then they could offer a flat fee instead of an ever compounding one that is predatory to their clients (but they dont.)
> Payday lenders, by contrast, operate in a market with immense amounts of competition. There’s one on every block in most places.

This is very peculiar reasoning. Why did you go with, "payday lenders must be struggling to provide crucial services because there's one on every block", instead of, "there are payday lenders on every block because it's a stupidly profitable business"?
I agree with you. There's different types of trust. There's the first usual kind: "I trust my friend to give me back the stuff I let him borrow", "I trust my bank to make it easy for me to use my money the way I want and keep doing this forever". Then there's a separate kind, "I trust that I understand this open system correctly". Cryptocurrencies focus on removing the need for that first kind of trust. The second kind of trust is a different kind of issue that's much more tractable. It's an issue that we can make progress on, by having more people study it, by creating better learning materials, by making the system more understandable, etc.

The article really frustrates me because it doesn't draw this distinction at all. To re-state you a little, I feel like one could make a similar article saying that end-to-end encryption is a worthless improvement over Facebook messages because you still have to "trust" something to keep your messages private, which is a false equivalence.
Many popular iPhone apps are recording user sessions without asking
Consistency vs. Flexibility in Pattern Libraries
People living in vans/RV and disposing of their fecal matter and urine with unsafe methods is a big problem for many communities along the California coast from San Francisco to San Diego and also along corridors in Silicon Valley based on local news around Mountain View and San Jose. The temperatures are moderate 10 months of the year or more.