skysight-inc/HackerNews huggingface dataset:
From another article:

> A typical two-week payday loan comes with a $15 fee for every $100 borrowed and has an annual interest rate of nearly 400%, according to the CFPB. Over

It's technically 400% APR, but its because the amount borrowed is very low. What should the rate be? 10% or ~$0.40 for the two week loan? There is a certain amount of overhead in processing a loan. Especially considering that the clientele often prefers a brick and mortar location and personalized service.
As someone who moved to the US at a young age, reading How to Make Friends and Influence People explained a lot of the apparent insincerity/fakeness that bothered me in both business and personal interactions, and that had been very much a mystery to me.

How did that go again?

Dear $FIRSTNAME $LASTNAME,

I am writing you to emphasise how much your business personally means to me and how $EMOTIONAL_STATE I feel about it...

Also remember that he was a huckster, for example changing his name so people would associate him with the steel Carnegies (no relation).
I'm shocked! The Trump administration siding with lobbyists instead of citizens? Shocked, I tell ya'!
Case closed :)
I've done a few of these assignments, usually after an interview or two. I'm on the fence. Usually it's an evening of tinkering for me, which would be pretty cumbersome if I were interviewing more that two places at the same time. On the other hand, I tend to do way better at these kinds of assignments than I do with on-the-spot whiteboard type questions, so it's nice to have an opportunity to show what I can do at my own pace.
My school had this, a "trade school" that was basically day care for the kids who didn't care. Problem is they had a 10-1 student-teacher ratio while the handful of AP classes the regular high school offered were closer to 50-1.
If you analyze them deep enough, you'll find out that money (greed) is the root cause of ~90% of world problems.
Taxation is just a workaround, not a solution to those problems.
Were you doing such essential tasks the other 19 hours of the day that it made sense to only get 5 hours of sleep, or was much of that 19 hours wasted on bullshit?

Personally, I'd say that if there's so much work to do that between work and eating everyone is up for 19 hours, then you're undercrewed.
I personally think that in 10 years, people will look back on kubernetes and shake their heads.
Heh. The main shareware program I sold for a number of years was written in x86 assembler. The horror. The horror. :-) I was just reminded this afternoon when someone sent me a message on company chat asking if I was the person who wrote said program.

When I code these days, I'll take Python.
why not tip cash instead?
Pendulums swing....
GP starts with a fairly simple premise, the rate of default is high, so that much interest is required to make up the shortfall. Of course the rest of it is hinged solely on this premise, rather than acknowledging that the very act is taking advantage of people who can't or won't think far enough ahead to see why it is a very bad idea. It is of course the old argument that some economists use a little too regularly that all participants in the economy are rational actors.
Both solve state management issues, but really different goals.

Unstated has state containers as separate entities. This one is about seamlessly switching from a local useState hook to a context-based one with minimal code changes.

I’m not convinced it’s worth the hassle vs just creating your own contexts though. Here is the full source: https://github.com/diegohaz/constate/blob/master/src/index.t...
It’s not like there are lenders serving these demographics that don’t do whatever you think payday lenders are doing wrong.
> Traditional forums would be read like this, but were almost always at a much lower scale.

Yes, and at too large scales communication becomes less meaningful, you can't scale it to millions of people without getting something else. Even in large cities or at giant festivals, people tend to mingle in smaller groups, there's just more of those groups the larger the city or festival is, it's not like people stand around in ever larger circles, shouting louder and louder. Groups that get too big break up into smaller ones naturally because they start to noticeably suck.
I had a coworker from an entirely different part of Asia. I remember riding with him driving in Ohio and Indiana, no other cars visible to the horizon except for the one right in front of us, thinking, "There are no other cars for miles around. Why are you so very-very-very-close to the car in front!?"

I guess some people would say I drive like an old person in Florida, or like someone from Ballard in Washington.
Cable is not a necessity. $15 cell plans on $100 phones are easily doable @ $280 per year. How many have a subsidized iPhone on a $50+ monthly plan?
Heh, respectfully, I think we're talking about two different kinds of burnout.

The form I am referring to, builds steadily over time. It's not the result of some bad interaction with management, rather, it's the result of doing the "same" thing for 30 years.

I recognize that the problem is in seeing it as the "same" thing. Yet, given our job as programmers is often to see the forest through the trees, to identify patterns, it becomes hard not to see yourself as solving the same set of problems over, and over, and over, and over.

That's the type of burnout I'm referring to. I'm guessing you don't struggle with that at all ;)
Been using it for 4-5 years with 20+ people (still small) without any issues.
> I thinking being lean, fit and strong also goes a long way toward conveying both youth and confidence that employers are naturally drawn toward.

This is my experience as well. I'm a lifelong amateur athlete and I don't wear sloppy clothing. I've seen the difference in treatment with other guys my age (49) firsthand. It's not about looking younger necessarily, just looking like you aren't falling apart. For whatever reason, some people correlate physical appearance with ability.
The service is masked in high fees that do not apply to your principle payments. They are borderline fraud. Had try been totally transparent then we wouldn’t need to regulate the industry as much. The fact that anyone can defend a payday lending operation knowing how it works is puzzling. I don’t know what your motivations are or of those who say nice things on behalf these “businesses” but they are certainly not in the interests of the consumer.
Earnin https://www.earnin.com/
"honesty"

"But honesty is not a weakness"

"I don't give a shit of what you think"
yeah, but workers in a restaurant aren’t exactly having their financial expectations shattered.
The idea that selling products and services to poor people is “taking advantage of them” in the terms reality demands is bonkers.
Working as designed is not the same as working as intended or working well.
Three things for startups to learn about Enterprise IT
Far fewer than you'd think.

Your comment isn't a particularly helpful thing to say as it attempts to paint struggling people as frivolous, and undeserving of help.

There are many people who are barely scraping by, they drive an old car (because public transport in many places is a joke), and they're just one expensive repair away from having to make hard decisions.
Cavity two-thirds the size of Manhattan discovered under Antarctic glacier
Is that reducing the personhood of companies? (I consider that a good goal.) Saying that you must be a company to drill oil, and companies can only buy leasehold, not freehold.
Professionalism both in terms of appearance and interaction are definitely helpful. And despite my ripping on SV stereotypes in other posts I actually adore IT. I'm delighted to come to the office every day because it's an opportunity to apply something I know, solve a problem or learn something new.

I recently changed roles after going back to my UNIX SA roots and working for the last few years in a front-line customer-facing support group; what people would call the ops side of devops. My boss was gutted to lose me as their last line of defense before escalating to Red Hat but what he and his boss miss the most (so they say) is my ability to remain cool under pressure and solve technical issues while managing bridges with MDs and EDs on the line.

Partially it was organizational authority (oh, they escalated to that guy) but it was also technical authority (oh, they escalated to the guy who solved the last major problem we had, and put in a SIP to make it never happen again) and partially it was managing the message and keeping it appropriate to the audience.

I realize this is an absurdly self-aggrandizing post but it's an honest assessment of beyond strictly technical ability how some people add value and my way of agreeing with the post above mine that interpersonal skills are paramount.

And to echo what others have said - keeping current is IMHO the key to keeping employable. I ran down the Red Hat Certified Architect track because my employer paid for it and it was a way to get my guys motivated to get it done too to better their skills. We have several more RHCAs as a result.
But I also spent the last year building k8s clusters and figuring out how to integrate kubernetes into my employer's systems and now I'm off extending terraform providers in go to the same end. It's fun as hell to think every day I shave off getting systems to my peers sooner is one more day they're productive that much faster. At the scale we work that's a huge lever. How can anyone not be excited about that regardless of age?
The pizza company pays the delivery driver an hourly wage and possibly some compensation for mileage driven. The tip is added on top of the base compensation.

Your proposed simplest solution isn't guaranteeing a minimum tip. It's saying that the first $x of a customer's tip will go to the company instead of the employee. This is theft. The company already charged the customer a fee for this service and should be using this to pay their expenses.
There:

1) Better cooling: non-tooth paste thermal compound, more space for heatsinks
2) Not overdriven LEDs
3) Introduce DC power lines (within the house/building) - galvanic corrosion still might be an issue
4) In lack of point 3 - more efficient AC -> DC converters, preferably with lower temp threshold,
having 150C default for the internal mosfet on 8pin LED driver is really high.
4a) AC-DCs require quality passive components: coil and caps.
While the tone of this post was a little tongue in check, it is certainly the most likely answer. PayPal does send marketing/sales traffic on the same pipe as their transactional traffic, which as expected ends up with lots of spam flags. ie I didn't ask for a line of credit.

Side note:
There are only 3 major webmail/freemail services left, so running afoul can be a very serious issue. Speaking about the postmaster level.

GMail, Verizon, Microsoft

Verizon might be bigger than Gmail at this point with acquisitions.
Why don't you tell us, as you seem so sure of your point?
The majority of lenders would not give loans to people who could not afford them.
NNTP seems to be a bit low-tech these days with dwindling support by new clients. But I might be wrong on that, will have a second look.

You totally got my point: E-Mail is distracting and people feel stressed by the amount of mail they receive, while on the other hand they feel not informed enough about various topics. And you also give sensitive data into external hands and hope it will not get leaked or breached.

I think self-hosted "board software" (in whatever shape it comes) might reduce distraction, you can read and write when you want and people from other departments can keep up with current developments and also chime in if they have something to contribute.

And with something like phpBB you also have full and easy control of the data. I think that's an important point, especially for companies.

Might be worth the discussion and a try with a small team.
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.

When I had my first real job out of college, I didn't manage my money well and ran out of cash well before my next payday. I went to a check-cashing type of place to try and get a payday loan, but the state had outlawed them a couple of years prior. Had I been granted a payday loan, there's a good chance I'd still be in a cycle of debt stemming from that.
> But you'll never get every single public school in the country to empower its students with the resources available to schools like Lakeside and Philips Exeter. It's infeasible. They may as well be research universities.

They'll never have the same level of resources, but I bet top public schools are already at parity when it comes to quality of education. It doesn't cost $50k/year to provide a $50k/year education - it costs $50k/year to isolate your kid among others whose parents can afford to pay $50k/year.
Payday lenders want to lend money and get repaid. If fewer of their customers defaulted, they would probably start charging a lower interest rate.
Come again? What is it that I’m saying they do? Do you even know what payday lenders do and how they make their money? If you did, you wouldn’t defend them.
IIRC the rules weren't denying people access directly, but it did set a cap on the amount of interest they were allowed to charge.

If someone is a tremendous credit risk then maybe they won't be able to get a loan because they're below the artificial limit set by the CFPB, but in some ways this is like a bartender refusing to serve someone who is already falling down drunk. It's a moral risk, but it's hard to call it abusive.
Linux Networking from Go (pt 1)
He means that dressing it up as a virtue is worse than just admitting that you want to make a profit.
Hey Diego!

Nice idea and examples! Let me know if I'm wrong, but the main difference between `createContainer` and a `React.createContext` call is that you memoize inputs, correct?

The way this interacts with Hooks to enable state sharing is pretty cool. Hopefully someone builds a complete i18n lib on top of something like this.
blazing is undertaking, the filament is over 2500K
But the climate's always changing .. sky is falling in lol .. it's snowing here what global warming lol .. what about Al Gore .. it hasn't warmed since 1996 .. what about the promised ice age .. blah blah.
What would be the good Java web server to test?
> Being conventionally attractive is probably very helpful but I bet the bar is higher for women would-be con artists than men.

why would it be harder for women?
> That's an order of magnitude more than an idle laptop.

Uuh.. yes... And an order of magnitude less than "several 100w light bulbs"

> And if you're building a "desktop computer" with an APU and an SSD… why are you building a desktop computer?

Ergonomics?
This gives no weight to subjective value, such as its sentimental because your grandparents are buried there.
> Intellectual honesty is an applied method of problem solving, characterized by an unbiased, honest attitude, which can be demonstrated in a number of different ways:

> One's personal faith does not interfere with the pursuit of truth;

> Relevant facts and information are not purposefully omitted even when such things may contradict one's hypothesis;

> Facts are presented in an unbiased manner, and not twisted to give misleading impressions or to support one view over another;

> References, or earlier work, are acknowledged where possible, and plagiarism is avoided.
Also, "nights" are not a real thing, not in the biological sense.
In the surface ship nuclear power plant world where there is no air conditioning, you can't stand watch for more than 5 hours, which means 4 5s and one 4 hour watch. Think you stand the same watch every day? Nope, not enough people. You normally stand 1 on 2 off (5 and dimes) or one on 3 off (5 and 15s). This puts your sleep window at different spots every night.

Subs are air conditioned, so they can stand either 6 and 6s or less commonly 6 and 12s. Their lives are generally worse in every way.
Except they all like smelling each other farts and sharing beds, so it works out.
> It's come to a point where we have about 70 repositories (mostly just generic modules like a logger or an error handling library, but still) to manage a project that, to be honest, it's way too simple for the amount of code we maintain.

It sounds like your application should be a monolith rather than a collection of microservices.
If you need short term access to money, say for a week or two to pay rent or bills before a paycheck comes in, where would you get it?
How well will this scale? I know GSuite Gmail accounts are limited to 3600 emails per hour, among other limits.
I think what we've worked out what you mean is just that if you were doing it you'd chose to do it in Objective C etc. That's not quite the same as anyone else 'should' do it.
I'm lucky enough to look young for my age, so I leave my early jobs off my resume, and don't put my graduation year on there.

While I don't exactly hide the fact that I'm in my late 40s, I do find myself avoiding some discussions at work that would show my age, like talking about my older experiences or making pop culture references from the '80s or '90s.

Yes, you can talk about making yourself so useful that age doesn't matter, etc., but the truth is that age discrimination is often an unconscious bias, and I just find it easier to "pass" as younger than to spend my energy trying to overcome it.

Of course I focus mostly on just being good at what I do. There are benefits to age. Experience and knowledge, of course, but hopefully also wisdom and temperament.

If there's one thing I'd like people to take away from this thread, particularly people in their 20s, it's to re-examine your unconscious biases about age. How often have you assumed something about a person because they were older than you, and what can you do to overcome that and judge them on their merits instead?
I remember doing this with CRTs
Bunny Breed Resnet Classifier
> What you wrote sounds like a classic description of serious addiction

It's reasonable to characterize the American population as being debilitatingly addicted to social media. (Rome's leaden pipes come to mind.)
>while they deploy icloud servers in China

That's literally a requirement of the Chinese government for anyone offering web services in China. What exactly would you suggest they do as an alternative?
They most likely hired a graphic designer to make the illustrations.
You can’t possibly be serious w.r.t. payday lenders. I mean seriously, come on.

It’s one of the most predatory types of lending that exists. They often provide loans with intentionally confusing and borderline disingenuous lending terms with the explicit goal of taking advantage of people.

> The result is denying poor people access to credit.

Lol, I mean, if being practically tricked into loans you can never pay off to the point that it drives entire cycles of poverty is your idea of credit, yeah, then sure, you’re right.
The guy in the other comment apparently paid led .17$ and they are all still good after 3 years..
What is the percentage of survival of the incandescent light and how much electricity are you wasting until they die?
The Flutter dev team are currently conducting a survey and a couple questions were regarding desktop mode so I reckon Hummingbird is coming pretty soon.
Your use of the term “loan shark” actually brings up an interesting question in my mind. I assume that some fraction of the people that would have otherwise gotten a payday loan will go to the black market. Do we know anything about these people and how numerous they are?

Not saying that we should therefore allow paydays. Just curious about what the situation is.
It’s difficult to imagine thinking those words and not considering “what if there’s more than enough tips” to which was added “we’ll keep them, and lie to everyone.”
Yes, the dimmable has been the worst for me so far, they just make them flicker more to give less light.
> Many people make use of payday loans. If you remove that option, those people aren't any better off.

This is a false dichotomy - the options are wider than "unregulated lenders" and "non-existant lenders". Imagine saying in 1850: "Many 8 year olds work in coal mines. If you remove that option, those kids aren't any better off."
New Mac Hack Can Steal Your Passwords: What to Do Now
Pretty extraordinary to be defending the most insidious form of business around.

Payday lenders do not remotely provide the same duty of care that more established lenders like banks do. And as such they need to be regulated to ensure that they aren't lending to people who are not in a financial position to repay the loans. Ignoring the impacts to consumers it is a systemic risk to the economy to allow this behaviour to persist.

And there are plenty of other mechanisms to give poor people credit than supporting loans to people on average 25% interest rates.
Well to be fair I went from doing well over 20 years of Mac programming with a lot of UNIX/Linux alongside to a semi-hardware developer with linux low level stuff, pure embedded and FPGA development...

There's LOADS of fields that you haven't done. I remember my first time trying to get my head around some VHDL code and I felt I was 12 years all over again looking at 6502 assembly code.

Make your horizon wider!
Age 53. At my last job, I was doing React front end work. When I argued against Redux, Coffeescript and Typescript because our app didn't need them, I was told I wasn't a team player and that I wouldn't succeed in that company.

I now have a new job at much much less salary.
dunno, but it's neat to think about. multiplication can cover more ground in integer space than addition, so it can reach more unique places than addition for a given set of numbers. it's kinda like comparing how many squares knights and pawns can reach on a chessboard for a given number of moves.
Cameras that understand: portrait mode and Google Lens
Depends, some of them are run at around 22KHz... so it's quite appaling
From the article:

> The way payday loans work is that payday lenders typically offer small loans to borrowers who promise to pay the loans back by their next paycheck. Interest on the loans can have an annual percentage rate of 390 percent or more, according to a 2013 report by the CFPB. Another bureau report from the following year found that most payday loans — as many as 80 percent — are rolled over into another loan within two weeks. Borrowers often take out eight or more loans a year.

390%

From https://www.npr.org/2019/02/06/691944789/consumer-protection... :

> TARP recovered funds totalling $441.7 billion from $426.4 billion invested, earning a $15.3 billion profit or an annualized rate of return of 0.6% and perhaps a loss when adjusted for inflation.[2][3]

0.6%
There's a certain point where you've been abused so much, you've GOT to let go. The reality is, we don't work on these projects in a vacuum. Rarely do we have full control and responsibility for the outcome. If you can't control something, you can't hold yourself accountable for its success or failure. I still do my best work but if I'm put in an impossible situation, my outlook is similar to yours.
Nothing bothers me more than people making excuses for firms that charge outrageous rates. If your underwriting is so poor that you cannot maintain a profitable business without charging an arm and leg, you don't deserve to be in business. Having a looming cap on interest rates has driven innovation in payment schedules, collateral, and user experience across the industry. Constraints breed creativity. They only winner here is the lender who would have been out of business due to the law, we would be better out without them.
I'm 60 and doing a combination of IT and app development work. I totally agree about the exercise part of this. Not so much to look younger (although it might help), but rather to have the energy and mobility of a younger person.
Haha no worries... I guess I should have looked for it before posting.