skysight-inc/HackerNews huggingface dataset:
I think the dynamics of account aggregation lend themselves to a duopoly, not a monopoly. Account aggregation is an incredibly difficult problem for any startup trying to do something with financial data. It's super hard to a) convince people to sync their accounts, b) get their data correctly, c) at unit economics low enough to enable a business, all while ensuring strong security. Any significant improvement in any one of those areas, and you have a compelling case to switch account aggregation provider contracts.

Essentially, the problem is so hard that the quality of the solution really matters. While there are barriers to entry to supplying an account aggregation service (imagine building 15,000 web scrapers), there's a lot of demand for product improvement, which only happens when there's market competition.
Large premine, excessive centralization, supply of XRP far outpaces demand for consumptive use. The most interesting use cases only need small amounts of XRP, so it's unclear to what extent XRP value will remain correlated to Ripple Network usage growth.

Ripple can freeze accounts, and has done this before to prevent an early founder from selling their XRP, which I think exemplifies the level of control the team has over the network. [https://insidebitcoins.com/news/not-so-decentralized-ripple-...]

Ripple I think would be more appropriately called a "centrally-managed cryptocurrency" rather than "decentralized". This is not to say it's doomed, but rather just that many XRP proponents misunderstand the technology and claim it shares technical properties with Bitcoin which it actually lacks. A known team controlling any cryptocurrency to this extent puts the entire currency at risk of rubber-hose and insider attacks.
FWIW, the numbers in that piece seem pretty spot on for me.

Something around 75K-100K words (translating to about 200 pages with some figures, etc.) is probably the minimum for what publishers (and most readers) consider a "real" book.

I've been writing most days for about 20 years. I've always considered 1K words/day a good ballpark for a "writing day." (That's a decent length for a blog post or article.) That's with various meetings and other activities/tasks but without any other major commitment. (i.e. I find it hard to crank out 1K words at the end of the day after getting home from a day of work or an event) I'm considered a fast writer by people I work with.

Do the math. And that's more or less ignoring rewrites, extensive edits, any in-depth research/interviews, and so forth.
Liberty Reserve would be more apt. Oh wait...
It’s funny. In some places they build nice homes even for the poor. It’s possible. But we’d rather make the cheapest thing possible. The result is people feeling disconnected from the space around them.

https://jacobinmag.com/2018/11/beautiful-public-housing-red-...
Unrelated, JetBrains have an office in Novosibirsk. I had the privilege of studying at the university there, wonderful place, and as someone who dislikes hot weather, the climate was great :)
Non-myth: People with higher testosterone tend to have higher bone density and muscle mass and a whole host of other things, and people who have had higher testosterone for most of their life retain all of these advantages to some degree.

It's all fine and good that you want a space for trans athletes, but the experiment is going poorly; many women's leagues are being dominated by biological males, to absolutely nobody's surprise.
Interestingly, "termosifone" is the Italian word for the cast-iron radiator, used to heat homes.
That Stockholm article is deceptive at best. The Stockholm housing market suffers above all else from lack of regulation of mortgages. The rental market simply can't compete with a 100 year double mortgage without default. The result being Sweden having among the highest amount of household debt of the OECD countries. Of course the head of the landlord lobby organization wants their members to be able to charge higher rents despite few rentals being built today when they are able to charge three times the rent of older rent controlled units. As most people simple can't afford them.
To my knowledge we have that. The “men’s” division in most sports is actually the “open” division.

I believe the idea for a women’s division was to give a whole bunch of individuals a chance to champions who otherwise wouldn’t be competitive.

To my knowledge there is no rule whatsoever preventing involvement in the NBA or NFL on the basis of gender.
The trade offs get really funny.

If we think it's really the case that most wild animals will perish in the climate upheaval, then doesn't that change the math a bit on how much risk we should be willing to accept when it comes to climate engineering? If the wealthiest humans could probably adapt to +5c, but a billion poorer ones would die, how much does that change the math?

Personally I'd be willing to accept quite a lot of risk to avoid these awful outcomes.

AFAIK the plans to put sulfur into the stratosphere are modeled on exactly what a volcano does, i.e. a natural process. Of course it could turn out bad, but it doesn't sound to me like a totally out-of-bounds idea.

Maybe someone with a better background could tell me otherwise? I only know about computers.
Show HN: PyModule to save/fetch config data in standard path and format
The Libra ledger will not be public. Users will not be able to audit transactions or money supply.
Also, redis does commit to disk per transaction if you want it to. IMO it should start doing it by default.
Depends on the loan. In general, you can modify whatever you want with a car under loan but NOT under lease. However, modifications usually mean your car is worth less and you have a higher chance of being underwater, so could result in an additional financial liability in the case of a repo.
Could you please cite some sources for your claim?

Edit: wow, I didn’t expect so much hate by simply asking for sources.
Looks like the average joes have more clout than the residential landlords given the 5-year rent freeze.
Yea maybe you're right and you can only partially modify it.
Yes. This is the tricky part. Good luck w that:

In the coming months, we’ll continue to work with
local municipalities to support plans that allow
residential developers to build quickly and
economically.

What is Google going to say that is new?
Just a note, you're advocating for the end of women in professional sports. Only a tiny handful of women could continue to compete at the professional level.
Solar Activity – SpaceWeather
If I understand right, using Plaid means giving bank account credentials to a 3rd party by design.

Let's say, for sake of argument, one day a Plaid user logs on to their bank account and discovers missing funds. Does the bank get to say Plaid users automatically lost consumer protections under e.g. Reg E and similar by sharing account credentials? Not an expert but it seems to me the answer is probably yes.
What's a currency, asset or web business going to be worth if the economy breaks globally, there's a major crash and depression, or wars break out over migrants, resources or water?

Weimar Republic made vast wealth disappear in moments. The US civil war came awfully close to full-on hyper inflation.
I wasn’t seriously engaging because I didn’t take your comment about ancient civilizations to be especially serious. I don’t believe micro-engraving to be a serious long-term archival plan for individuals; if the metal plate (or whatever) gets lost, buried, melted down, ... then it doesn’t really matter what is engraved on it. Very few works are going to be copied as widely as a foundational religious text. If you want your code to survive the best bet is to get it inserted into Linux or something.

(Previously I was talking about e.g. the Rhind Papyrus, not the Hebrew bible, but anyway...)

As for Observable: you could relatively quickly and straight-forwardly build yourself a mediocre version of the editor interface. It is quite likely that if the platform becomes extremely popular better archival solutions will be found. Being an early adopter of this kind of technology involves a bit more risk, especially when there is a business involved, but even when there is not. Plenty of open source file formats are now extremely inconvenient to use.
Well, you are still sensitive to manipulation in any of those three, and the governments in question are political allies.

FWIW, the EUR/JPY and USD/JPY pairs are historically highly correlated.
CSS is completely dependent on HTML. If you write poor HTML - then you've already shot yourself in the foot. If you can't learn them together - then it's really hard. People don't learn the different display types / or positioning, and then they freak out when they can't figure out why a margin-top isn't working on their inline element. I've never met anyone I consider to write decent markup or styles in any of my jobs. This is pretty good: https://maintainablecss.com/chapters/introduction/ - but it doesn't teach you CSS. It teaches you how to write maintainable CSS. MDN is the best we've got (so far)
Crops grow in soil. Soil is not just land area. It has an entire history that made it the fertile earth that it is today. You don't get fertile earth by taking permafrost and warming it.
> As citizens, I encourage everyone to reducing their carbon footprint as much as possible (yes, that means that your life gets comfortable) and voting exclusively on how credible a politician is on tackling global warming.

I would just like to add. Absolutely vote. But please don't use it as an excuse to do nothing yourself. While you are waiting for politicians to act, start acting now. In case you are wondering what you can do yourself - here is a short list

- Stop flying to conferences. Go to a local meetup. It's fun. And cheaper. If you really need to get out of town, take a train. Let's hope one day Prometheus will give us carbon-neutral jet fuel https://news.ycombinator.com/item?id=19842240

- Shift your investments from fossil to green. If you can't find enough worthy greens, shift it to anything else. Some say it won't impact your returns http://www.lse.ac.uk/GranthamInstitute/news/the-mythical-per... Move your deposits and savings to a more sustainable bank. https://fairfinanceguide.org

- Work less. Work part time, and part of that part time remotely. http://cepr.net/documents/publications/climate-change-worksh... A firm lets its employees work four days a week while being paid for five. Everyone is happy, lower electricity bills, fewer cars on the road https://www.nytimes.com/2018/07/19/world/asia/four-day-workw...

- Reduce your meat consumption as much as you can. They say these new vega burgers are not too bad. https://www.nytimes.com/interactive/2019/04/30/dining/climat...

Thank you.
"The IAAF’s enforcement of gender normativity is also evident in its rebuttal of concerns raised by the World Medical Association and the United Nations, among others, about mandating that healthy athletes undergo medically unnecessary interventions in order to compete. Rather than viewing the serious and long-term consequences of lowering testosterone as “side effects,” the IAAF proposes that they are “the desired effects.” These changes—including reduced muscle and increased fat—are supposed to produce the kind of body that Stéphane Bermon, Director of the IAAF Health and Science Department, has presented as the “ideal female phenotype” at scientific conferences.

"Disregarding women athletes who have resisted these interventions, even to the point of bringing legal challenges against the regulation, the IAAF insists that these “medications are gender-affirming” and “change their body to better reflect their chosen gender.” The latter statement insinuates that women athletes who do not willingly modify their bodies to fit IAAF standards actively “choose” their gender, which deliberately encourages confusion with transgender athletes."

What the heck?
"Australopithecus scientists are saying young's habit of bipedalism is alarming and could have serious implications"
So, you're actually in favor of higher rents.

Why not mandate rent increases?
>3. Unlike government issued currencies, any monopoly or control facebook derives isn't done through force, it's by making a coin better than all the other coins. Other people are still free to make their competing coins.

Sure it has. Not with the traditional physical force of armies from the industrial, feudal, agricultural or previous ages; but rather with the psychological force of the information age, executed by armies of programmers and social engineers.
> Global warming is the single scariest existential threat our species has ever faced

No, it isn't. It's not even close. We can adapt to climate change.

The single scariest existential threat our species has ever faced is politicians and other public figures using FUD in order to convince we the people to give them more power. Which they will then use to screw things up even more.
I guess Im wondering how it was pitched. Was it "yodlee but good" or "hey this new thing nobodys done before."
So if your threshold for 'adversity' is getting 'eaten by Lions' I would imagine you're trolling?

My point was to illustrate a family that might have next to nothing - and who's only aspirational escape from slinging coffee at the Waffle House is a low-budget weekender at a slimly dive like Myrtle Beach, will with one tiny blip of a minor medical issue, have that taken away, and possibly go into debt.

Could you imagine a life of serving at a restaurant, never able to afford even the most basic getaway, going ever deeper into debt for basic things like 'visits to the dentist'? When you tack on just a couple of 'issues', it all comes apart.

Those families have $500 'net worth' and are at any time inches away from ruin, no retirement savings, no way to send their kids to college. If they have a bad day at work, or if their boss doesn't like them they could lose their jobs. If they inure themselves playing softball - it's calamity. Getting one credit card to pay off the other. 'Pay day loans'. Unable to cobble together 'first and last months' rent. Bad credit. A minor offence and unable to make bail. A car that breaks down, no way to get to work, and a boss that doesn't care one bit. Coming down with something as minor as 'late onset Asthma' which is $50/month of meds they cannot afford.

That is the grinding adversity that about 1/2 of America faces with no way out.
I'd be curious to know what you consider the fundamentals to be.
Communication- Stuff I've learnt from work
Its really simple. We should tax property AND rent to the point where it becomes unprofitable to hoard it for purposes of unproductive wealth extraction. Then change all rent contracts into lease-buy contracts.

You would accumulate a good percentage of madly overpriced rentals that no one wants then they go bankrupt one by one. You get those delicious market dynamics we [apparently] crave more than any social convention. Buildings should be hot potatoes that you don't want to hold for to long. With this much demand it wont even affect housing prices but even if it did, who cares?

Gradually, (in stead of rent) people pay tax at market rates. We can keep the large scale wealth extraction and continue to force people into productivity only it would be the government doing it.

The same logic applies as with the teachers, taxi drivers, cleaners, garbage men, restaurant employees etc: If you don't like it you can just leave the city. Get some of that delicious mobility going and gtfo. They can just leave for the sake of efficiency and availability. Its that simple: Just go away.

If you have to chose between [say] 1) a corner store OR 2) a land lord it should be obvious which one to get rid of.

If they are contributing to quality of life by selling food and employing people we should consider giving the store a tax cut. One could also extend the tax cut to the people working there and have cheap stores.

Its hilariously unproductive to have a usury scheme of greedy unproductive rent seekers extracting wealth from every transaction that is some how remotely related to real estate.

I just want to pay for the ice cream, pay the people involved in making the ice cream happen. Why would I pay 80% to someone who doesn't do anything I need?
It could be interpreted as the bible being literally true and cell phones are the "mark of the beast" turning us all to the devils ways.

There's a wealth of information online where people have come up with biblical interpretations that result in the current state of the world being the predictable situation before it all ends. Of course, given the statistical accuracy of doomsday predictions so far, I wouldn't worry too much. :) That said, maybe they are on to something as far as phones or social media being satanic. shrug
Most men's leagues are open to women†. Women's leagues exist to make it possible for (biological) women to compete at high levels of a sport. Serena Williams is an amazing tennis player, but she is no match for a #200 men's tennis player.

The consequence of dissolving women's leagues is that, in most sports, no women compete at the top of any sport, except for the most extreme outliers.

† One famous beneficiary of this being Manon Rhéaume
While it may technically be fraud, the registration information for non-reloadable cards is only a name and address, which is not verified. If the processor uses an AVS check (in the US, this is usually just the ZIP code), then whatever you enter must match what you registered with, but that could be... whatever.

When one considers how fat the deck is stacked against individual consumers in today's market, I would be inclined to tolerate some Thoreau-style civil disobedience on this. The desire for privacy -- to effectively "use cash" at "cashless" establishments -- may require the need to engage in this activity.

The other question would be, who is being damaged by this fraud? Presumably the seller of the card (and banks/processors in between), who would like to link all your card purchases to some master profile. Well, I wouldn't begrudge anyone with disobedience on that one too. They're still collecting fees on every purchase.
Applying active inference body perception to a humanoid robot
How many is too many then? Clearly any given area has a maximum support capacity for humans. Is it good for the environment or quality of life to keep packing people into mega-cities?
Mozilla patches Firefox zero-day abused in the wild
Private-Equity Firms are raising bigger funds: They often don’t deliver
Relevant: meltwater on sea ice in NW Greenland
https://twitter.com/RasmusTonboe/status/1139504201615237120

Also this Australian briefing document on the existential risks of climate change: https://docs.wixstatic.com/ugd/148cb0_b2c0c79dc4344b279bcf23...

I'm a bit of a doomer on this topic but 25 years arguing about it doesn't seem to have yielded much action.
Especially Google, more so than FB.
If you trust Google to not eventually stop your from blocking ads in Chrome, I've got a bridge to sell you.
There's no law of nature that says mining equipment has to run on carbon. It could be done with electric equipment powered by nuclear.

Nuclear produces less presently and holds the key to producing none at all.
Services like Plaid and Mint can only read data, isn't it? Has that changed?
They both have the same schtick - create a walled garden then restrict access.

It results in predictable outcomes:

* products that are beautiful and in some ways without peer

* key parts/issues are only addressable through their service channel

* exclusivity of membership for better/worse.

* higher profit margins and healthy overall profit despite lower market share
> Data flows beat patterns
(This is personal opinion) When you understand how the data must flow in your code, you'll end up with better code than if you applied a bunch of design patterns.

this one is priceless.. I had so many arguments in my past with cocky devs about this topic. Don't get me wrong, patterns are good, but it's only a small part of coding.
Also patterns aren't there to follow them as they where the law, but bend them to your needs. One doesn't even necessary needs to be implemented to 100% as it is in the "book".
So yes, this part of the post i'm very fond of, it's really wise.
There's no 'agency' you apply for it yourself online.
I mean the causation could very well be reverse (more building require more employees etc.)

It could also be from a third factor (population growth demands more work and more infrastructure which leads to more carbon emissions).

I’m not denying the correlation as it exists today (bigger employers probably emit more carbon into the atmosphere; or at least intuitively; I haven’t looked at the data), but that correlation is by no means neither necessary (you could theoretically employ a lot of people without having any carbon emissions) nor sufficient (you can be a very large polluter with only robots doing all the work; like a big automatic aluminum smelter).
The corporate dystopia cometh. It won't be long before they are disrupting the inefficient legacy government.

You won't even need to vote, they will already know how you feel about the candidates.
While "what colour is your function" essay highlights the author's pet peeve, asynchronous functions, I always understood it to be less about the underlying implementation, but about syntax and semantics; the whole point is that control flow ends up infecting function-level semantics. That problem extends to anything else a language can treat at "coloured".

For example, in Haskell, side-effectful operations end up being "infected" with the IO monad. This means you're not free to mix and match functions — the moment you need to call some IO function, all callers up the stack need to be monadified, too. This might be a late change — suddenly you need a logger or a random number generator, and it has to be passed all the way up from the outermost point that uses monads. In practice, monads are so deeply ingrained in Haskell now that most devs probably don't see this as a colour problem.

Multi-value-returning functions in Go is another example of colour. The only way to use the return value of a Go function that returns a tuple is to assign them:

value, err := saveFile()
if err != nil { ... }

This means functions like these aren't composable. I can't do saveFile().then(success).fail(exit) or whatever, like you can in Rust. The moment you have a function returning more than one value, your only option is to create a variable. It's weird.

Interestingly, you can do this, but I've never done it and never seen it in the wild:

func foo(v int, err error) { ... }
func bar() (int, error) { ... }
func main() {
foo(bar())
}
Not really, it was just a question. I think that perhaps we could shift to different sports where "men" don't have a clear advantage.
Microsoft delivers public preview of Azure Bastion service remotely accessing VM
I live in a concrete/glass/steel luxury high-rise in downtown San Diego. My neighbors can have raging parties into the early morning and I can't hear a thing unless I wander into the hallway.

The construction quality of multi-family homes in SV pretty poor.
> help labs find each other and collaborate on work

Ideally, that would be awesome. But... do they want to? Will they put science & results above all, or they put first funding, egos and credits?

Science is great, but from my experience, these others are even more important for individuals. These support a career & family.
Well, as pointed out, some trans women might still be competitive in the open division.
Yodlee is very expensive to get started with, and the API is horrific. They had certainly not solved the problem well.
Imagine waking up out of your cryo-stasis and seeing humans already living on the planet you were sent to colonize? That would be weird, to say the least.
This looks great! Just went through onboarding process for PhotoStructure (a node app using ExpressJS). It was simple to install, the getting-started app was clear, and the resulting dashboard was impressive. Kudos to the team.