skysight-inc/HackerNews huggingface dataset:
Some big lending companies issue bonds to finance their operations.

And, ironically enough, these bonds are _high yield_, meaning market does not trust that these companies are making money hand over fist.

Any negative macroeconomic shock (like recession) can easily raise average loan default rate 2-3x and sink payday lender business in a single quarter.

Such is life.
I'm sorry to dismiss this more or less out of hand, but this is a case of anecdotal evidence. Using your case to generalise to greater choice is falling victim to the assumption that all players are rational actors.
Can someone explain to me why we shouldn't all stop tipping tomorrow?
>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.

Can you elaborate?
>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.

I completely agree, but the typical case isn't "hey, I rewarded myself for showing restraint in spending my benefits while I work myself out of poverty" (which I completely support) but "stars above, it wasn't enough, again, woe is me, I need more indefinitely and why change if they'll cut my benefits ones I have gainful employment?".

But back to the original topic, it's fine to argue that the typical food stamp recipient isn't high on the hog. It's not fine to act like no luxury good has ever been bought on food stamps, and every recipient is a meticulous steward of taxpayer's largesse, ceaselessly working toward the day when they don't need public assistance.
> I’m not convinced it’s worth the hassle vs just creating your own contexts though

This is what I was thinking when running through the source. The problem to solve, I think, is to get rid of the providers. Or rather, make it less jsxy. For application-level contexts, you can easily have 10+ providers at the root of the application. You could make them HOCs, but that's still super ugly. Hooks made the consumer side a lot cleaner, now it's time to do something about the provider.
Why should I not like your answer? I like a lot from the Guardian, it was on my list actually.

Thanks for your suggestion.
Is your point that the US government should get into the payday lending business?
You don't actually know, pitaj, that those people are not better off. You just made that up. I think the odds are much better that those protected from usury are, in fact, better off.
If you really ever needed money, you'd have gotten it.

I grew up poor in the 3rd world. Loan sharks, prostitutes, druggies... that's part of life there.

Honestly, your judging something from a certain position that's pretty obviously removed from ever really being needing money (in poor areas there are a options to get money, restricting those would be blessing to the illegal loan sharks that already operate in most desperate places)

I have to say, if you really ever were in such a situation, you'd be advocating not for restrictions, but for options.

Saying we should restrict it because it can be bad... well you should be arguing about restricting alcohol then... there are plenty of alcoholics. Maybe also restrict driving. And fatty foods. And salt. Maybe sugar? Keep at it.

The critics are 100% right. Sorry to say, but it seems you are annoyed at the sneezing, not REALLY caring about the sick.
Where were you pooping then?
I take lamotrigine for epilepsy, but people also take it for bipolar disorder. Some days I feel fuzzy but typically have no issues. On days that I have trouble concentrating I just up my caffeine intake or try to focus on something that is more rote than analytical.
A somewhat silly problem with bluetooth is that the signal will reach pretty far, but can be blocked by your body. So you can have a good connection while the phone is on the other side of the room and a bad connection if the phone is in the wrong pocket. That is probably the reason they include instructions like that.
> It would actually likely increase the number of guns in criminal hands.

This seems like a fairly wild speculation. To pick just one possible counter argument: are you suggesting that criminals, if they could choose, would prefer to rob homes that they know beforehand are heavily armed?
I’ve read and listened to quite a bit of stuff from Reid Hoffman (Masters of Scale, LinkedIn’s pitch deck etc) and have never found him or any of his advice particularly convincing.

Maybe I’m speculating wildly here but it feels like the main thing that made LinkedIn successful was that it was a first mover in the business social network space that used every dark pattern and email notification they could conceive of at a time when users were less cautious about their privacy. Now they have their moat and defend it with every trick they have. Their social auth API provides watermarked profile pics and they drop attributes without any notice.

If that’s the way you want to do it, I guess that’s your choice. But the professional social networking space could seriously use a breath of fresh air.
- You should establish a list of the desired properties of the finished product.

1] slices

2] dices

3] indicates time

4] dishwasher safe

When you achieve these properties, stop its done, but be ready for a request to develop V2.0

maintain a >set< of codebases or snippet libraries each one specific to each property of a finished project.

Continually review the efficacy efficiency and utility of each said codebase.

Continually Review code for desireable properties [meta- engineering]
There are a number of tools for generating forms and requisite client and serverside data validations from JSONschema; but I'm not aware of any for RDFS (and thus the schema.org schema [1]). A different use case, for certain.

https://schema.org/docs/developers.html#defs
In addition to what sibling posters have said, insurers usually have their own insurance (called "reinsurance") that helps cover them in the event their claims exceed their cash on hand.

I would imagine, though, that reinsurers will price their premiums based on risk as well; e.g. if they know that one of their customers is parking too much of their float into risky investments, they might charge higher premiums.
There are a bunch of lists about no-tipping restaurants in San Francisco: https://www.zagat.com/b/12-no-tip-eateries-in-san-francisco

I'm going through all of them. I tried Zazie the other day and it was really good :) Trying Petit crenn soon.
> How much more competition do you think there can be?

Quite a bit more, apparently. See the other comments here. There are startups trying to tackle the problem.

Regulation is not the answer. Competition is.

If you feel you can provide better service at a lower cost, the field is wide open.
I couldn't find where any law enshrined businesses appropriating tips. I googled server wage and just found https://en.wikipedia.org/wiki/Tipped_wage

If there's something enshrined in law beyond a lower minimum wage for tipped workers I'm interested to know.
They did not remove that option. They provided schools, as an option, without forcing people, then made them free (mostly because the church was out competing them, but ... it's not like that still matters). Kids were widely expected to work on the fields during school holidays as recently as the 70s.

For that matter, ever notice how if you wanted your kid to work the fields, that school holidays sure have mighty convenient dates ? That's not a coincidence ...

So they very much did not remove the option of having kids work in the coal mines and on the fields. Not for a LOOOONG time after the 1850s.

https://en.wikipedia.org/wiki/Child_labor_laws_in_the_United...

You could apply that here: the government could get into the payday lending business and enforce a maximum interest rate that way.
LED flicker could prove harmful or fatal if you work with anything that rotates or reciprocates.

The rotating / reciprocating mass may appear stationary at some RPM.

Just a reminder to only ever use incandescent or halogen lights around machinery you can touch while in operation: drills, lathes, mills, slotting machines, etc.
The email mostly talks about performance, but could this technique finally give us VM shared folders with proper inotify support (at least on Linux hosts)? That has always been my number one gripe with using Vagrant for local development.
Comments like these are so infuriating! You get to shit on a huge community with zero reasoning, and zero consequences for being wrong.

Your negativity is only rewarded if somehow you're right (which is more a result of broken clock syndrome than anything else), so you and people like you are incentivized to keep sniping from afar.
> Payday lenders have low losses and high profits (34%+ return on investment)

> A payday lender would have to work hard to lose money, even though borrowers are generally low-income and have weak credit histories. Holding a "live" check as security gives a lender strong collateral and leverage over a borrower who, when faced with the threat of criminal prosecution and penalty fees, will keep paying renewal fees every two weeks when they cannot afford to repay the loan in full and walk away. With these renewals (or loan flips), they are never paying down the principal owed. In North Carolina in 2000, for example, only 6% of payday checks were returned for insufficient funds (NSF) and lenders recovered about 69% of the value on these. They also collected $2 million in NSF fees.

> In comparison, the credit card default rate, like the payday default rate, is also approximately 6% -- but the interest rate on a credit card rarely exceeds 29% (as opposed to payday loans that routinely charge 400% APR or more). Personal loans and car loans have default rates of around 2%, with APRs between 5 and 15%. Compared to other forms of credit, the exorbitantly high APR charged on payday loans is drastically out of proportion with the relatively normal risk involved in making those loans.

https://www.responsiblelending.org/research-publication/fact...

The whole page is worth reading.
It's almost like one dimension of entropy has been exhausted.
LibreOffice and Apache OpenOffice vulnerable to same bug; only one is fixed
Why are people using payday loans if they already have better alternatives? If it wasn't their best option, why would they pick it? Yes, you're making them worse off by removing their best option.

> Imagine saying in 1850: "Many 8 year olds work in coal mines. If you remove that option, those kids aren't any better off."

Why are kids working in mines if they already have better alternatives? If it wasn't their best option, why would they pick it? Yes, you're making them worse off by removing their best option.
Shipt is one. It’s a bit limited but it is growing.
When trying to write a demonstration of how something works, why not make it expressive, explicit, and dead simple when attempting to demonstrate the utility of something?

It just looks like a thunk of code, with little rhyme or reason.
>the assumption that all players are rational actors.

A.k.a the assumption that people should have agency
Thank you for the lead!
Why is high-level military commanders using a private email server not a similarly big deal to a Secretary of State or First Daughter/Advisor to the President?
Who is this 'left' you choose to misidentify everyone as?
It's almost like hearing a foreign language now.
You resubmitted this (already submitted 6 times this week[0]) just to make this comment?

[0] https://news.ycombinator.com/item?id=19054136

210+ points
Ummm, since they invented the idea of continents, pretty much?

https://en.wikipedia.org/wiki/Continent

https://en.wikipedia.org/wiki/Continent#/media/File:Continen...

Which continent do you think the UK is on?
Did you read the article? The numbers doesn't have to be consecutive, for example what you said is only true for arithmetic progresions, but for geometric progressions it happens the opposite that multiplications has less diversity. Read the full article.
Hacker News introduces new feature
I'm sorry to hear that your Stripe emails are being spam-filtered. I work for Stripe as part of their engineering team responsible for email deliverability and would love to see some examples of email that has been incorrectly classified so we can try to prevent this from happening in the future. Would you be able to forward a few examples with full headers[0] to zack [at] stripe [dot] com?

[0] https://support.google.com/mail/answer/29436?hl=en
I don’t think it’s fraud. Your money went to the driver, instead of DoorDash’s money. This is exactly how restaurant tipping works in much of the US. As usual, if you want the person you are tipping to keep the money you are giving them in addition to their minimum wage, better tip in cash.
They are ultra short term loans, so the rate is going to be outrageous when expressed as an APR...
This is the second time I heard of instacart and it took me a minute to remember what they do (and the first time I heard of doordash), but reddit is much more well-known. Not sure it's that they're so commonplace.
Out of curiosity, how (if at all) is the address you give when registering an .eu domain verified? What's to stop people living in the UK from giving a spurious EU address?
Wells Fargo might be an exception to that? Actually lots of credit cards are pretty terrible too. Not all payday borrowers are going to just say "ok I guess I'll let my life collapse" if payday loan firms disappear. There are less legal and less safe ways to get a loan. This seems like the wrong way to care about the poor.
A friend of my mother's lost half a finger to a strobing light and a circular saw. It does happen!
ZACH-LIKE: A book of behind-the-scenes design documents from Zachtronics
Ah, yes, Austrian "economists". Some of the most-noted quacks in world history.
Mine as well, I have this horrible NFS setup that kinda/sorta works but this (if what you query is the case) would be awesome.

I even looked at writing my own 'vagrant' (to fit exactly my use case of Linux on Linux via KVM and deployed via ansible) because the NFS thing and VirtualBox issues mar what is otherwise a great idea.
-40 is pretty rare for most of us, but -20c (-4 f) is not too uncommon in many parts of the mid-west.

My ICE car handled the polar vortex just fine. Although any marginal parts are vastly more likely to fail, I imagine a lot of batteries were replaced.
Doing so requires bigger and better capacitors.
So reality demands that we categorize charging desperate people an APR of 200%, 300% or more as "selling products and services to poor people," as if doing so is functionally indistinguishable from selling them a cheeseburger?
I'm not in management -- my philosophy has always been to try to be the tree that stands outside the forest, not the one IN the forest. In management I might make a good manager, or perhaps a crap, or average one, and where is my edge there?

My guess is that I'd be pretty average or less, given my patience threshold -- I've worked with fantastic managers before, I'm not them. I don't think there's much of a problem of age discrimination in managements, unless it's for places like startups and so on where "people" NEEDS to "look cool and startupy".

I'm a pretty effective mentor tho, and I seriously enjoy that -- I think it's a lot more "my place" than trying to manage/herd cats :-)
but VP interview doesn't imply whiteboarding to begin with..
Come on dude, 'rayiner is well known on HN. He has biases, like we all do, but you can't say he's astroturf.
How dare consenting adults do things I find offensive.

I don't drink. Drunk people act stupid. Let's ban alcohol. It'll be great. Prove to me it won't!

Oh, you enjoy alcohol responsibly? That's just anecdotal. Not like MY anecdotal evidence, I see drunks everywhere... everyone knows that. And they are all alcoholics who are depraved by predatory beer companies.

My anecdotal evidence is good and corroborated by my tribe. And you must prove me wrong, despite the fact that I'm the one making statements like we need to regulate something.

Oh, and of course, once we ban it, no mafia guy is going to start offering it in a sketchy way... there's NO WAY that will happen in a low class neighborhood because we really take care of our poor. I have this all planned out. Going with my gut to make emotive detached decisions instead of dealing with the grit of reality is so nice. /s
You have me beat, but I have a coworker who used paper tape. That is, computer data storage was via holes punched in a long strip of paper. Another coworker wrote Alternate Reality, which was a game for the Atari 800XL 8-bit home computer.

Finding these experienced people isn't easy. Many don't want to move. You can't just drop by a college and grab them in bulk. We'd hire more (see https://news.ycombinator.com/item?id=19055183 for "Who is hiring?" post) if we could just find them.
Why on earth would I do that? It's a pretty basic principle of charity to assume error before malevolent intent.
Can't you ask one or a few of the regular delivery people to do it directly for you instead of through the company if you think the company is treating them badly?
I agree with all this except the sunscreen part. I was under the impression that sunscreen can actually increase the chance of cancer. Furthermore, sunscreen does block vitamin-D. But, you don't need much (sunblock free) sun exposure to max out your vitamin-D absorption (just 12 minutes a day will do it).

On a side note, I do intermittent fasting and caloric restriction to hopefully reduce my rate of aging.
> then you’re missing a lot of intelligent people and accepting a lot of less intelligent people in your overrepresented group.

This is true even if intelligence isn't evenly distributed.

> Any company that is struggling with hiring should take notice.

I wouldn't rely on companies to solve it, equality of opportunity needs to start much earlier.
Doing that still means restricting the options people have
> ...couriers have braved the elements, gotten by on meager wages and dealt with annoying customers, growling dogs and fifth-floor walk-ups, all for the chance of a big tip from a happy customer.

This is not how I experience it working, in my area, with sites like GrubHub and the others.

They ask for a tip UPFRONT, before delivery.

I usually like to tip cash (for obvious reasons). There is an option for this, and the problem starts when I select this option.

My food takes an extra 1+ hour to arrive. It's cold. Soggy. My family has been waiting for around 2 hours total.

Interestingly...

This NEVER happens when I tip upfront through the app.

Complaining to their support line never fixes the issue, so I started asking the delivery drivers about this.

What did they say?

Apparently, the app flashes the delivery drivers how much tip you've entered BEFORE they decide to take on your delivery.

So my order, when I pay a cash tip, simply doesn't get picked up by any delivery driver and it's at the restaurant getting cold and soggy.

When I tip upfront, it gets delivered in a normal timeframe.

I tested giving a BIG tip upfront, guess what?

My order came faster than it ever has in the past. I asked the driver and he flat out told me he saw the big tip and rushed to grab this delivery.
Hi, OP here. Hacker News now permits you to go back to front page of any date.

Interesting to note how Front page was on the day of Steve Job's demise.
Usually internal referral means you skip technical phone-screen. That's all.
Of course. Looks like it's stored server side? I couldn't see where they are storing it. Good find.
Same here, near-native performance is quite critical for certain use cases, including kernel compiling.
If you ever tried to compile from source over NFS, that's almost 10~30 times slower than compile from a native/local filesystem.
In this particular case, I believe you don't need to worry too much. iOS (since iOS8, I think?) randomizes WiFI MAC addresses to avoid this kind of tracking.

Android doesn't.
To the folks posting comments suggesting they are 50+ and still going strong or started coding when they were children: kudos to you. However, I think you represent the minority.

Development shouldn't be a 'King of the Mountain' contest, but it is. Here's my story: I have commercial experience in C, Java, Visual Basic, MUMPS/M/Cache and Node.js. I've worked in Healthcare ( A/R, Laboratory reporting & instrument data acquisition ), Integration Space (e.g. webMethods), US defense space. I've worked in a 'tools' team delivering components used by application development teams.

On the side, I've written an open source project on Github, I've attended many meetups in recent years - and user group meetings before the Internet was a thing.

My point, is that I am very experienced. I've never had a bad review, I've worked for at least 15 different managers, I've worked at a few companies multiple times.

Yet, I still struggle daily to hang on to the thing I love which is to write code. From my perspective, this is a real problem. It seems impossible to simply be a developer for your career because the pressure from the industry is to cut developer labor costs.

Btw, I am currently an Senior Architect. I've held many titles since 1988 including Princial Architect and Junior Programmer Trainee. ( I got into software after starting off as a lab technician in healthcare. )

The only people I know who are my age are those folks who truly are kings of their mountain. This is not what I envisioned. I helped raise a large family ( 5 children ), but I am constantly working in my head - regardless of whether I am at the keyboard or not.)

This is not what I expected; however, I've been paid very well, so I've been lucky - or my family has.
To have longevity in a technical discipline you need to do one of two things:
1) choose a field that changes very slowly, or not at all, and become an expert in it; or
2) work in a quick changing field, but be prepared to learn quickly and compete with younger workers (means no wage premium just for seniority)

When it comes to 1), the best fields are ones where either hardware or regulatory issues slow evolution. Examples: embedded systems programming, working on highly regulated systems for the aviation, medical, or automobile industry.

Finally, and its not really in my list, but you could always create your own product or service. That's a sure way to protect your income against age prejudice. Nobody cares what age the developer of their software is ... they just want to know it works.
It's most bizarre, plus they disabled keyboard shortcuts on all my accounts. I had to re-enable them.

Might have been a botched update impacting only a small percentage of users, but they'll never disclose anything.

Edit: I suspect only users who can see the 'Download Message' option were impacted by this. It happened at the same time as this new menu option appeared. I just wish someone from Google would shed some light on this.
>The people using paydays loans usually aren't entrepreneurs, so your example -- while an interesting case -- doesn't apply to the spirit of the regulation.

If you have no access to better credit, payday loans are often the least-worst option. If your car breaks down and you have no other means of getting to work, borrowing a few hundred bucks at usurious rates is probably better than losing your job. If you've received a parking ticket and don't have the cash, paying $18 to borrow $80 for two weeks might be better than going to court and paying a $160 fine plus costs.

The situation is analogous to drug prohibition - banning payday loans just pushes people towards criminal lenders, who charge even higher interest rates and enforce payment with baseball bats. The only credible solution is to improve access to credit for the poor, whether that's through the expansion and promotion of credit unions or some kind of state-subsidised emergency lending facility.