skysight-inc/HackerNews huggingface dataset:
Obama had a chance to reform the banking sector when he came into office amidst a financial meltdown caused by the greed heads. He didn't do it. He doubled down, backed the corrupt, and prospered at our expense. Why everyone thinks Obama was such a great guy, I have no idea. At best, he's a total psychopath. Had the "too big to fail" actually been allowed to fail, we would be living in a freer, less debt-ridden, more honest America today. Instead, we're further down the road that leads to total collapse.
Hitler was called a populist back then...

very "new", indeed.

it has always been used to describe people that just say whatever the masses want to hear, without actually doing anything to address the issues they campaigned with.
I'm a junior developer in Paris (~1.3 years of experience).
I make 54.5k/y "brut", which is basically a bit under 3000 after tax per month. 2500 seems a bit low to me, especially if you are in Paris and have 2+ years experience.
I completely agree that it's useful to cultivate PM and BA skills, if anything just to help with empathy across teams and enable you and the team to work better.

There are more and more companies slowly developing career pathways with technical only routes, but it's definetely not enough places.
Show HN: Readology – Simple, bloat-free blogging platform
The title could accurately be applied to a very large swathe of the entire finance industry.
5k is more than enough to "survive" in France.
If you get 2.5k you are part of the 20%.
And having childs means you pay less tax.
Correct, thermal testing. Not vibration
Most 787 and A350 flights are out of hubs, too.
Wow! This is the best explainer of quantum computing I have ever read. Scott does a great job at capturing the essential challenges and potential applications, without embellishing or being overly pessimistic. Good stuff.
Just playing the Devil's advocate here, why is this bad if profit and growth is the ultimate motive?
Silent speech recognition using surface electromyography
Didn't Al Gore solely invent the internet? :)
Yeah, I got a 2015 Mazda 3 Grand Touring so I could get the heated seats, among other things (like xenon headlights, which are an important safety feature; halogen headlights should be banned, and the IIHS agrees with me).

But of course it also comes with a clunky and nearly useless nav system that costs a fortune if you look at the line-item cost. They only recently, finally, started supporting Android Auto.
No, not really. S comes after L when pronouncing, no matter how you do it.
The article makes it sounds like NordVPN is best at marketing, but that's not a great reason to choose a VPN.
11 essential questions to ask before starting a Machine Learning project
Elegant and short! But unless I'm missing something, your script will print even the datasets that have _A but not the corresponding _data?
*Turbotax Timmy
> "Usury" is a word that's gone out of fashion, but sometimes I wonder why, because this is clearly it.

Isn't it called "interest"? I take your point though. Usury sounds a bit dirty :)
I dunno, 1.23 increase in risk is tiny; seems likely that it's just lifestyle stuff (which you can try to control for a bit, but you can't know every single choice a diet soda drinker is making -- quite likely an overall less healthy lifestyle).

Compare this to e.g. 20x lung cancer incidence for smokers, where even w/ observational data, you can be pretty sure there's a causal relationship.

Maybe do some RCTs giving diet soda to animals or something and see what happens. And look into the chemistry to see what the mechanism might be...

(That said, probably prudent not to go too crazy with diet soda, or any other novel ingredients.)
I find it very pleasant, but I also tend to avoid ORMs. I can just write SQL queries to get me the data I need in any form I want, and it's not always useful to stuff that into objects when I can just process it as is.
Switch to finance. You can get 55k (at 3-4 year of experience) within an agency working for banks.
Ask HN: Trending topics on XAI and bias (in ML context)
Hi, I'm currently reading papers about these topics and I would like to know about important papers, future work and relevant events about XAI (explainable AI) and bias. Thanks!
> Basically once you are inside it's just another airplane that just happens to be big

That's not true at all, the cabin noise in the A380 is so much quieter than in older planes. It's night and day.
I'm not a fan of Tim Geithner at all but he's a President of Warburg Pincus which owns a payday loan company. Big distinction. Jobs like his have no involvement in the day to day operations of portfolio companies.
They're more dominant in cola than they are in orange juice.
I am sorry to say this but europeans are delusional and naive.
The only time my quality of life improved was when I got a better paycheck not your "socialist" perks.

When I worked in Vienna for €55k/pa my life was not really that comfortable.It was balancing on the verge of good enough or not saving anything every month. I did not get ANY, literally ANY feeling that I am getting enough for the taxes I paid on this income.
The doctors were good enough, the transportation was good enough, the living condition were good enough BUT that's about it. Getting a higher salary was almost impossible but even if i did i would pay much higher taxes and would become too expensive for the company.

I moved to Seoul for $100k/pa and my life is MUCH better here all things considered.

Dont get fooled by socialism and always put your interests first.
Expensive Loans to Desperate People Built The $90 Billion Payday Loan Business

Would be a nice way to fix the headline.
Some developers seem to engage in very wishful thinking about licensing. I remember seeing, ~15-20 years ago, "licenses" asserting not merely the right to globally revoke the license, but to change the terms retroactively, which is completely absurd.
Twitter’S CEO: Bitcoin’s Brand Is ‘Spectacular’
> Kink James VI

Quality Freudian slip here.
GUI, not TUI in the title
That just means the flags outweighed the points, as many of those as there were.
My comment was too negative. Looks very useful. I just have trouble remembering names like this.
I don't think this is a name/sound that clicks for me.
This is not the same. For sequence [5,5,4,3,3,2,1,1] "sort -u" returns [1,2,3,4,5], while "sort | uniq -u" returns [2,4].
The continuing evolution of C++
Funny, elegant hearts
> It is no wonder now that their phone line failed and Fire has been tepid.

Your general point may be true, but using examples of specific products like this is really unconvincing. Amazon is one of the most valuable and successful companies in the world. How do you counter the phenomenal success of Amazon.com, Amazon Web Services and the Amazon Echo?

Frankly, I think most companies wish they could be "incompetent" enough to have the smash hits that Amazon does.
It also makes the entire article worthless. Somebody who pushes an agenda isn't going to provide an unbiased assessment of the actual legal arguments. I clicked on the article expecting to hear both sides. Instead, I get all the usual pro-FOSS activist sources.

> I agree that you can't just take back source code

But your "agreement" is irrelevant! I "agree" that the GPL shouldn't be revocable, but that's also irrelevant to the question.

There are actually quite a few clauses in the GPL that do revoke the license grant, if they are not followed.

Arguments that the GPL itself is revocable are quite old and far predates the whole CoC kerfuffle:

https://lwn.net/Articles/347236/
I can recommend going in September. They are already at winter prices (much lower) but you still have a good chance at ok weather, plus the nights are long enough to see aurora.
> A mystery to me is why they haven't asked about consumption of sugary drinks at the same time. That would have allowed to get much more interesting correlations.

I suppose because there already is a consensus that sugary drinks are bad for people and cause all the mentioned problems. Now the eye turns on the sugarless ones. However a comparison would be indeed welcome.
The average person would be appalled at the "exemptions" to usury laws in most states. California, for example:

- Banks

- Credit Cards

- Retail installment contracts

- Pawn brokers

- Licensed lenders

And guess what a "licensed lender" is? Anyone who has a net-worth of $25,000 who files a form with the DBO.

Functionally, Usury laws only apply to the mob.
And on top of that, it's not like you need to drink some kind of soda, and have to worry about whether sugar, HFCS, or artificial sweeteners are worse. You can avoid the problem altogether by simply not drinking soda!
pragmatically: if you sow the wind it’s only a matter of time before you reap the whirlwind. It’s counterproductive if sustainability of growth is your aim. Predatory behavior will, eventually, blow up in your face. If individual companies do this eventually someone will step on their necks. If nation states do this at scale, eventually the people won’t take it any more.

morally: because it is bad for profit and growth to be the ultimate motive just as soon as it requires you to treat people as things. The economy is a fine servant and a terrible master.
Process Monitor I think has both.
In the UK, most carbonated beverages now contain a blend of sugar and artificial sweeteners, in order to stay under the 5g per 100ml threshold for the "sugar tax".

Coca-cola "classic"/"original taste" is still available with only sugar, but typically at a higher price than other options.
Habits that made me a better Ruby developer
There's nothing wrong with having something sweet.. occasionally.

I made this mistake for a long time, trying to fudge my diet with faux-healthy snacks that were still basically just packaged fake sugar.

If you want a bit of chocolate, have a bit of chocolate. If you want a soda, have a bit of soda (the small cans are about the right size it seems). Just don't have 8 sodas a day, or eat an entire cake to yourself. Calorie count. Make sure most of your diet consists of things other than empty carbs. Eat your veggies, etc.
We can change usernames if people email hn@ycombinator.com and request it.
There is no love, only unit testing and coding style debates.
I can't speak to document stores very well, but one spot where schema-on-read makes sense is in data warehousing type applications. One of the potential troubles with the traditional ETL approach is that transforming the data to fit a fixed schema almost always involves some information loss that might make the data less suitable for answering certain questions.

That's fine if you can predict what questions your business intelligence or data science team will be asked ahead of time, but, realistically, you can't actually do that. Using a schema-on-read data warehouse instead is a more costly option, but also leaves you more able to respond to changing business demands.
I really like the idea of comparing procedural generation to genetics! I'll use that myself next time I need to explain things.
I don't disagree, but I'm sitting here trying to think through the legal arguments for and against, and it seems like it would stand under contract law. One person is loaning another person money. So long as both understand the details of the contract, it's legal. Which brings me back to my earlier comment that even if the lender was required to show just how truly awful the loan was to the borrower, desperation will still overcome all logic and reason. Which then brings in the thorny issue of what is government's role in this, to protect the consumer, or to protect the consumer from their own fully informed yet bad decisions?
?

Payday loans are only legal in 38 states. 12 states have already figured it out.
I've done a startup before, built in 2 weeks. It crashed 4 times a day, customer service response was about 4 days early on. People are willing to wait when it's an important enough problem.

But it's very hard to tell which will succeed and which wouldn't. I've been building "properly" the last 3 years and nothing came out of it.

The artificial time limit is there to force myself to focus on what really matters, prevent scope creep. E.g. the big problem with #1 is that people wanted scheduling, but I'm not entirely sure it's necessary so early on. It might just work as a matchmaking site.
It’s not aspects “like signednes” that’s the only constraint that you could embed in your defined POCO and still use as a select projection that would survive a LINQ expression that was turned into an expression tree. Your data store would enforce the other constraints. Your C style character array as a string wouldn’t work with either LINQ nor any of the standard library.

Are you really trying to go back to the bad old days with Microsoft C/MFC/WIN32/COM where you had over a dozen ways to represent a string that you had to convert to and from depending on which API you were using?
it originally seems to have meant “any interest at all”, but in the context of that time, it meant “charging interest in a way that’s guaranteed to create debt slaves”
Something is seriously wrong with your machine if ti is having issues running VSCode.
Clojure and Kotlin are a great fit for the JVM, report shows
There's some relatively simple solutions out there to prevent usury. The issue is they aren't all that profitable.

Essentially you have to ban compounding interest on loans without collateral, and restructure all loans with collateral as "rent on shares of the collateral" Then an "interest only payment" is renting your collateral back, and your normal payment would be buying back a share, plus paying the rent on the rest.

Islamic Banking has instantiated similar things(though I'm not familiar with all the details) and I've seen several different Christian groups propose similar things.
This is good but I'm disappointed at the lack of fork puns.
Trends in software development
No study at this time has quantified the risk of sugary vs. diet sodas. They just point out that each one increases the risk of specific medical problems but with no certain indication of which one is worse or by how much. And even deciding what worse means is a big deal. They can simply kill you or decrease your quality of life in different ways. Doesn't make one better.

It's the same recently with cigarettes and e-cigs. Determining smoking or drinking coke is bad compared to not doing it is relatively straight forward. Determining what's better out of 2 alternatives that just harm you in different ways and that weren't studied enough is harder.

If you want to play it safe go for none of them.
Since this is HN, I'd like to emphasize that this industry is not just in strip malls. It's very prominent in apps and websites now, too. Many VCs fund "short term" loan apps who's bread and butter are repeat customers (e.g. poor people caught in the high interest loan cycle of death).

I don't theoretically have a problem with short term loans for one-off emergencies, but if you're living paycheck to paycheck, emergencies happen all the time and it's incredibly easy to get sucked into a downward spiral and become a "repeat customer". So, I can't see how private industry can fundamentaly solve the short term loan problem, because they will always want repeat customers.

Anyway, just because the photo in the article is a street corner payday lender, please don't think this leeching industry isn't in the virtual world as well.
To tell you the truth, I have always assumed that publishing code under a licence meant that that particular version of the code was under that licence and that it could never be revoked (unless the user violated it, of course). I didn't know there was a discussion around that fact.
The code is nice
I get the feeling too. I was just wondering about that this morning. Some times you want a name that is clearly descriptive like lock_and_clean_journal but when you have a new tool that does a lot and in a different way.. a cute name is a good symbol to indicate 'completely new context'. Otherwise we'd get meaningless glue code like

pony | lulee --pew | eels | cyan ..
That guy also played a terrible role during the bailouts of 2008. We would have been much better off with a treasury secretary with some backbone instead of a pushover like Geithner whose only concern was to keep Wall Street happy.
Aeroflot is cheap, and other Russian airlines.
Flying through Moscow with anything but Russian airlines is not as cheap as one would expect. The reason is that Moscow has decided to limit the amount of permits that would allow an airline to operate within it's airspace to one per country. Flying over Russia would be the best choice when flying between Europe and Asia cost wise if not for the limited availability and cost of the permit.

And please, don't be allured to Aeroflot due to the cheap flights, it's not an experience worth having.
I tried to get through his books. Man, there's so much math. Gotta brush up on Calculus again.

Anyway, this is great. Its nice to honor those before them. I'm being cheep this year, so I'm not going to make many impulse purchases this year.

I would totally get the Dennis Ritchie shirt. Learning about him was my first assignment in CS101.

Maybe also have Charles Babbage. I learned about him back in 5th grade. Very VERY important guy in computing history.
The OP author wrote another piece here https://www.zdnet.com/article/what-happens-if-you-try-to-tak... that I found more compelling and not so clear-cut regarding the legal ability to revoke the license grant but there too, the anonymous protagonist is a "troll." I can't gen up the motivation to see if the word appears in all of the fellow's articles.
Just to play devils advocate (because I'd truly love it if companies didn't do this, and people didn't think they needed them)

1. What would sensible regulations look like in this sector?

2. There are people who choose to not get bank accounts and do their banking at payday loan stores despite the obvious costs. If regulation drives costs up or companies out of business where would these people go?
Ask the Java Architects: JFokus 2019 Edition with Brian Goetz and Mark Reinhold
The strongest argument against Usury is that it creates an unlimited claim on the future labor of the borrower making it into a kind of forced servitude. We rightly don't allow people to sell themselves into slavery, why then do we permit this kind of unlimited liability?
>Brutal doesn't mean disrespectful

It has done every time I've seen it.
Looks like they provide an appropriate alternative for people with vision disabilities: https://support.google.com/recaptcha/answer/6175971?hl=en

That only really leaves blind deaf people out, at which point we might be reaching the limits of any technology to provide access to everyone without a tooooon of work.
Is there any way (in general) to see what processes a pipe is connected to (on both ends)?
Tinder algorithms: how the matchmaking happens
Tradional Hubs did not send jumbo’s to smaller airports. The average flight into and out of an airport was still relatively small. At the same time, it also artificially increased the numbers of flights which dramatically increased traffic.

Now, sure with continued growth eventually you need larger aircraft. But, while demand might pick up they have plenty of time to design a successor especially as they can simply look at 747-800 sales numbers.
Mods, please fix title. What is "this" industry?
Not that they're illegal in the other states, but upon closer inspection its states that still have small loan rate caps or usury laws. Further it's not that the payday loans themselves are illegal, it's that exorbitantly high interest rates on those loans are illegal. Big difference.
Really interesting comment about Paris and English. When I was last in Paris nobody wanted to speak French to me when they found out I could speak English.
Why do you say Apple didn't have an innovative culture?
Yeah when the Leaf first came out I was checking against CA power rates. CA electricity is so prohibitively expensive I would have had to get a solar installation just to afford charging my car. Ended up sticking with my old 90' Honda Civic that got 35 mpg
Data Structure and Algorithms Courses for Programming Interviews
except the "$90 Billion" part
Bold Plan? Replace the Border Wall with an Energy–Water Corridor
Rising inequality is tech’s fault after all
It's called "predatory lending" now, in part because the mechanisms or more clever (including hacking the legal system) than simply charging high interest.
Sharing Netflix, Spotify Accounts After Couples Break Up
> Is this a response to highlight issues with the application or a response to applying and not getting accepted or applying and getting accepted (but rejecting on principle?)?

The former. This is a guy who already has a lot of accomplishments under his belt, he seems more of a peer of YC than someone who's ever needed to seek it's approval.
Sorry to be that guy, but further is typically used for figurative distances, while farther is preferred for literal distances. I always remember this because it was a plot point in a crappy movie with Sean Connery.
Wait, I recognise that name. "MikeeUSA".

> I wholeheartedly /support/ sexism, as-long as it is not against men.

Isn't he a known provocateur? Are we being provoked?
This is wishful thinking. Predatory lending is bad for consumers, not for businesses.
I mean, even Reddit feels less and less like Reddit nowadays...
Many countries set a maximum interest rate, including any additional fees. Ie Poland sets the limit at triple of the central bank default interest rate (3x 7% /year). Canada caps it higher, at 60%
Well, that's also hardly in her best interests now is it? Not really a partial judge (hah).
Really psychological safety to me personally seems like it is better defined as non-authoritarian and just - or free although all are offputtingly political.

A mob mentality can also act as the "authoritarian" that retaliates against "inappropriate thought". The vagueness of terms is deliberate because it is culturally specific what their elephants in the room are. Even if you think it is worth risking them or they are objectively stupid it is important to keep them in mind for planning presentations.
It is worth ignoring those who think eradicating a disease is playing god but know that some think that to prepare accordingly.

"Authoritarian" organizations fall into insanity obvious to fearless outsiders. For instance intelligence agencies fired people for being gay or otherwise sexually unorthodox. Now it is damn obvious - they created their own blackmail risk in the first place! Compare to a "tenured" system that said they don't give a damn so long as you aren't betraying secrets. So they could laugh off would be blackmailers. To give a colorful illustration of the effectiveness of such a policy. "The New York Times could print a full page spread of me sleeping with my brother in law and wife at the same time and I would still have a job!"

That this would be considered unthinkable to propose in that time period only demonstrates the depth of the problems.
ARM is not in the top 100 firms worldwide by market capitalisation though it is obviously a very impressive achievement. Also, if you’re going to count ARM Cisco, Intel and NVIDIA should all count too and they are in the top 100 firms worldwide by market capitalisation.

I’m sure there are many, many reasons the EU only has one software company to compare with the US or China’s behemoths but the fact remains that it does only have one. There are 16 European companies (including Swiss) in the world top 100, minimum, so I don’t see any special reason Europe couldn’t have software companies that are a really big deal outside SAP but compared to the US they don’t.

As to standouts Toyota is also an enormous conglomerate though you need to expand the list to get to 32. Taiwan Semiconductor is pretty impressive, worth more than Toyota and no one knows it exists.
Glorious, cursed comment.
Backblaze increases prices for the first time in 10 years