skysight-inc/HackerNews huggingface dataset:
> Serious question, under this test, why shouldn't an ordinary savings account be considered a security? Do banks just have a grandfathered exemption?

I'd guess a savings account at least fails the "common enterprise" part of the test.

From the linked PDF:

> Lower courts have disagreed about the proper test for assessing the “common enterprise” element
of the Howey test, and have adopted three basic approaches to this requirement: (1) “horizontal
commonality,” (2) “broad vertical commonality,” and (3) “narrow vertical commonality.”105
Under the horizontal commonality approach, a “common enterprise” exists where investors pool
assets and “share in the profits and risks of the enterprise.”106 By contrast, vertical commonality
emphasizes the relationship between an investor and the promoter of an enterprise. Under the
broad vertical commonality approach, a “common enterprise” exists where an investor’s fortunes
are dependent on the efforts or expertise of the promoter or his agents.107 Under the narrow
vertical commonality approach, a “common enterprise” exists where an investor’s fortunes are
dependent not only on a promoter’s efforts or expertise, but also on a promoter’s profits.108
Sorry that you haven’t seen your father that is a bummer. Not cherry picking literally describing the town and school system where I live.

Hospitals are busier with an uptick in covid patients however they are not overwhelmed.
And this wonderful webpage starts playing a video with. I thing to do with the story. What a joke.
I love how the people in this comment section pretend to be educated. I hope you all die, but luckily I don't need to hope...

Natural Selection will kill you first; I mean, how can you survive when you so desperately need a safe space.

For the record, this statement was hateful!
I see it here: https://medium.com/@coinbaseblog
Is there a target date for the launch? The Ariane 5 timeline mentions 2021, but nothing more specific.

When will it be shipped to French Guiana?
But these aren't notes or bonds or swaps or evidence of indebtedness. They're not tradable. This is a lot closer to a bank account, which is also an interest bearing instrument that is not tradable.
Bumble settles gender discrimination lawsuit in California
Please put some effort in getting information instead of creating straw man. NSW and Victoria are in a lockdown to have time to get 70-80% of eligible population double-vaccinated. Modelling by couple of institutes show that if lockdown ends today, hospitals would be overwhelmed and lots of preventable deaths occur.
By all estimates we would reach that 70-80% number in 1-3 months time, so that's the plan. Google for "Doherty Institute planning", visit https://covidlive.com.au, check daily press conference of VIC and NSW premiers - answers to your questions are in plain sight.
This is hyperbole. The situation is intentionally exaggerated to make a point.

I also don't buy the argument that because other people have (or had) it worse than us, we should be content and not hope for something better. Imagine if the 13 colonies had had that attitude.
The Baltic Sea is cold and dark but the wreck diving is amazing. The low-oxygen water keeps wood and metal well preserved. I spent several days diving there in 2018 and highly recommend it.

https://divealand.com/en/start/
Some important context here: this applies to probably every Australian city but is particularly prevalent in Sydney I feel. And that is that the notion of what Sydney in keeps changing.

So when I say Sydney became unaffordable in the 1970s, I mean what people viewed as Sydney back then, which is inner Sydney, the North Shore and coastal suburbs. But these have now been so out of reach for people who aren't wealthy for so long that people don't think of them as Sydney anymore.

Now when people talk about the affordability of Sydney they're talking about the areas where "normal" people buy. Sydney has expanded far to the West, basically to the Blue Mountains (eg Penrith). It's also expanded south (eg Campelltown). But somewhere like Mosman isn't part of the normal person's mental picture of Sydney property where it was 40+ years ago.

This reminds me of something that happened to me in university. I mentioned to someone the suburbs I'd be staying in over the summer when university was out and they literally said "la di da" like it was fancy. To them it was because they were part of a newer generation who lived very far north (I remember they took 3 buses to get to university). To me, it was just where my grandparents lived and had done so for 40-50 years. When they bought that house it was literally the edge of the city, as in the other side of the street was bushland.

You see it on the train too. When I went to university the one where all the students and twentysomethings lived was 5 stops from the CBD. 15 years later it was 8-9 stops.
No, I think they mean the stable Windows 10 that pushes Xbox, Skype, Microsoft Office, SkyDrive, and Candy Crush onto you.

The one that "helpfully" resets default applications and privacy settings to the ones Microsoft wants you to use, and then whines at you (or gives vague threats) when you do choose something else.

The one that turned logging in from pretty much an instant thing to a random wait while you get a "We're just setting things up for you" message on a pulsing background, and not-at-all-reassuring messages that "All your files are right where you left them".
Yeah, it's confusing. The federal parties are made up of state branches, and the state branches of the Nationals and Liberals merged in Queensland.

Federally the two parties are in coalition, so it's basically the same anyway, even though they are technically different parties in the other states.
Only if you believe those drafting that opinion actually lived through polio, smallpox, and the Spanish flu.

Otherwise, yes, it was absolutely abstract to them. Just because you're dealing with a real event or real data doesn't mean you're not dealing with it in the abstract. Humans react very differently when they're just thinking about something real hard and when they actually experience the thing directly.
Important but not sexy work often gets offloaded to onsite contractors, who also don't play career games (in FAANG, not in their actual employers). Maybe only Apple doesn't work vendors, others are pretty good with it.
My first reaction was "what the hell? podman has already worked on aarch64 machines for ages".

Turns out the title is missing a vital piece of information that this is a port that targets macOS.
I actually initially wanted to be on Coinbase’s side here, but after a quick google of “Howey test” and reading even just the introduction on Wikipedia, I cannot imagine how they don’t see the SEC’s reasoning about Lend wrt Howey. If you want to argue that Howey does not apply or fight the decision/lawsuit, then fine. But feigning ignorance of something a (non-legal expert) programmer can connect the dots of instantly just makes me feel like they’re playing a PR game. Seeing as they are already offering APY on staked Ethereum, I don’t see “concern” reflected in their actions. Seems like they are trying to get out to the public before the SEC does to farm some good will.
The walkthrough video is under 2min and has everything you need. Awesome.
man-in-the-middle could be only spying... messing-in-the-middle implies something else
Real brokers carry SIPC insurance in case the broker goes bust with assets lent out. They are also regulated by FINRA.
Rather than a “None of the above” option (though I do find your disqualification concept interesting) I prefer an “I abstain” option. Food requires a small amount of effort but an effort nonetheless. Every time a voter picks up the ballot, you hey are faced with the question “do I really have nothing to contribute here?”
I would like to think that even the most crypto-skeptical here, those who wish the entire ecosystem would collapse in flames, would agree that the SEC and other regulatory bodies need to operate with transparent rules, making it clear when and why a company is violating the law. Operating short of that is not, by conventional definition, operating under the rule of law.

It seems pretty clear that the SEC is not currently meeting those standards, and that needs to be fixed. Whether or not the target is one we are currently sympathetic towards.
Maybe https://cloud.ibm.com/catalog/services/power-systems-virtual... ? The pricing calculator says 0.5 cores and 32GB RAM is ~$310/month, billed in increments of $0.43/hour. (Pricing seems to be, approximately $10 / GB / month for RAM)
Yeah, but why have a signed NaN at all? It’s not like they have a defined ordering anyways…
“We have no idea why the SEC intends to sue us! It is a complete mystery.”

(Later in the post…)

“All we’ve done is create a thing that people can trade which we are moving towards selling to investors against specific SEC advice to the contrary, but it is definitely not a security and as a result it is completely fine even though we have not complied with SEC regulations in any way with respect to it.”

A mystery indeed…
"Rotating the line to be orthogonal to race" is a bit of a confusing statement, but I don't think it's fair to say that it implies not acknowledging race. What it does imply is enacting policies that are not solely based upon race.

I agree with Zepto. You can't just easily quantify the effects of all of the past injustices against different groups of people. Imagine if today the federal government decided to pay reparations for slavery. How would you decide who receives the money? Do you have to be 1/2 black? 1/4? Do you receive less money if you're less black? What about other minorities? How much are they entitled to?

It becomes messy very quickly. This is a simplified example, but this is why it's best to take enact policies that help those who struggle today regardless of their skin color, gender, sexual orientation, etc.

However, it is still important to acknowledge, teach about, and remember racism and other inequalities from years past (and some which continue today)
Microsoft Teams is a service, so more like trains or taxis in the physical world. Tomorrow train operators could all be on strike and we'd just be SOL.

I think the change that people haven't completely caught on with is a lot of digital tools becoming services. A bit like how enterprises used to own printers, and those are now rented appliances paid by month or by printed page.
See the earlier London Beer Flood near the corner of Oxford St and Tottenham Court Rd: https://en.wikipedia.org/wiki/London_Beer_Flood
The low vaccination rate means it takes little for cases to jump from double to triple or even quadruple digits, at which point things spiral out of control like already happened in many other countries. Compare this to countries like Britain or the US with high vaccination rates and even higher percentages of the population with antibodies.
This is where I simply don't understand how people can justify a billionaire company which has basically become the modern means of communications similar to telephones of the past to censor whoever they want.

"Loose laws" allow censorship of Palestinians under the guise of "anti-semitism" and Christians/Israel under the guise of "islamaphobia" depending upon where the pendulum is. Similarly censorship of women who speak out against men in their sports, spas and bathrooms.

Or in this woman's case, censorship of her for standing up for woman's rights in Somalia.

Meanwhile Twitter is letting Taliban's page to stay online...

Similar examples:

The blackout Palestinians are facing on social media:

https://news.ycombinator.com/item?id=27645282

The reasoning provided was "Criticism of Israel is Anti-Semitism. Really.":

https://blogs.timesofisrael.com/criticism-of-israel-is-anti-...

Speaking out against the Patriot Act and forever wars would be (and was) labelled "unpatriotic" and "terrorist sympathizer" and censored. Speaking out against healthy living would be labelled "fat phobic". Or the opposite could also happen. All the groups which speak out against fat shaming could also get censored because it's dangerous to public health. The government and big tech would start censoring you for advertising soft drinks/chips and other junk food. Since all religions oppose gay marriage, when super religious are in power, they would censor LGBT content. Pro-choice would get censored for religious reasons and Pro-life would be censored for racism/dangerous or other reasons.

Add to this, the absolute contradiction of their terms of service where it aims to stop discrimination against religion while also stopping discrimination against LGBT. Every religion from Hinduism to Islam to Christianity is against LGBT, abortion etc. How they plan on maintaining any neutrality is beyond me. And lord forbid when the pendulum swings in other direction and you get some super religious person in power.

The only way to stop all this is to have absolute freedom of speech on tech platforms which should be classified as common carriers. We already have plenty of laws to take care of any immediate actions taken as a result of your speech.

And since this is regarding UK, what needs to be done is for free speech on the Internet to be recognized as a human right by the UN.
Perhaps I am indeed exhausted by the continuous barrage of rumors of doom. The last CDC snapshot (as old as 07/13!) estimates that nationally 8% of the hospital beds were occupied with covid patients.

Perhaps I'm unfazed by the ICU beds stats because I have been born and raised in a country where there were no ICU beds. I file them in the 'amazing bonus' rubric, not feeling entitled to have an ICU waiting for me worst case scenario.

In my neck of the woods, the local pedriatic hospitals are at 70-80% utilization and have admitted a grand total of 8 covid cases in the past week. Some of the local adult hospitals are indeed going over 90% capacity, but others are cruising at 50%. The sum of covid cases admitted in the past week is in the low hundreds. This for an urban metro with 4M people.

On the bright side, Florida, which has been the focus of national media covid reporting appears to have turned the corner on covid hospitalizations, currently running at 87% capacity, of which about 25% covid, and trending down.

Iowa runs at 62% hospital capacity, with only 10% covid. Texas is worse with 80%/30%, but still functioning.

While the situation is serious and tragic, there are no signs of the Apocalipse. By Apocalipse I mean healtcare system overwhelmed 10-100x, bodies piling in the streets, etc. The kind of catastrophe the likes of Thomas Puyol were predicting in early 2020, and at which the media has been alluding ever since, continuously rotating the focus on the worst affected areas.

https://www.cdc.gov/nhsn/covid19/report-patient-impact.html

https://coronavirus.jhu.edu/region/us/florida

https://coronavirus.jhu.edu/region/us/iowa

https://coronavirus.jhu.edu/region/us/texas
> Serious cannot leave your house outside and go outside for a jog

This is simply not true. Why are you making a factually incorrect statement?

Even at the highest lockdown level you are allowed to leave your home to exercise.

NSW: https://www.nsw.gov.au/covid-19/rules/greater-sydney

VIC: https://www.dhhs.vic.gov.au/sites/default/files/documents/20...
> The right to vote includes the right to abstain from voting when one does not care. Forced voting sounds like a recipe for bad election results. I would expect the same from paying people to vote

I've gone in a bit of a voting system rabbit hole recently, and this depends on the system of voting. There are some systems where abstaining from an election can help a voter's preferred choice win: https://en.m.wikipedia.org/wiki/Participation_criterion

So I think depending on the election system, it could make sense to have compulsory voting, even if the person voting simply puts all candidates at equal preference.
There is plenty of innovation to be done on security and performance. But very little that is a great 'sales pitch'.

Perhaps much better interface for multi desktop and other multitasking.
As dangerous as it sounds for the industry, this article tells us they’ve discussed with the SEC without telling us what was said on their side. It’s difficult to share their confusion if we don’t know what they have fed the regulator.

Common sense makes it sound like Lend is clearly not about securities, but the SEC has generally been looking for settlements or discussion instead of straight litigation. Why the change of motus operandi? Is it because Coinbase is big and it would make an example, or maybe somewhere in Lend there’s a business model that makes the product act like a security? Who knows at this point?

More information from Coinbase would help us empathize.
> I’m not trying to “read between the lines”, I’m saying that the author of a piece of software gets to decide what they consider to be the point and success criteria for their work, not you.

Which is pretty much what I said as well, read more carefully.
> The general argument of the Bell Curve, that people from different parts of the world have wildly different distributions on many different attributes

It is by no means "the general argument" of the Bell Curve, and saying that pretty transparently shows that you have not read it. You are, of course, excused by the fact that the book has been the target of relentless smear campaign by media and many academics, which resulted in painting completely wrong image of what the book actually is about.

Bell Curve is almost entirely concerning the American society, and only in passing mentions issues and results from different parts of the world. The point of the book is largely that people within the same part of the world have widely varying outcomes, which, to a large degree, are explained by their IQ. Moreover, which will probably be shocking to people who only know Bell Curve through second hand accounts of people very loudly denouncing it, for the most part it explicitly restricts itself to results and data from the population of white Americans only, to show that these correlations are not a result of some sort of insidious ethnic or racial discrimination, as they also exist within white population. Only in last part of the book ethnic and racial disparities are mentioned, mostly to show that these are pretty much what you would expect if you assumed that correlations of intelligence and outcomes within population of white Americans are the same if you extend your analysis to population at large.
That's kinda my point. It is of course unknowable but I really wonder if Trump could've won the 2016 election if the Supreme Court hadn't handed down that decision.

This has happened before. Dubya largely got reelected in 2004 because Karl Rove tied the campaign to blowback against states and plebiscites in favour of gay marriage.
I’ve worked in fantastic settings, truly following the agile principles, using jira as a tracker and board.

I’ve been places with many different tools and people.

Guess what, it’s ALWAYS about the people.

If a team is following principles derived from or resembling the manifesto, the tool will be shaped accordingly.

Jira, as an example, sure can be shaped, and I’ve done it myself several times - remove cruft, keep it simple, change if needed.
If you are "hustling" you are risking time and/or money for potential reward -- you're in control of what you're doing and could shift what you're doing in a heartbeat.

On the other hand if you've lost the locus of control, you're being "hustled".

E.g. I wouldn't say that taking a part time night shift at McDonald's to make ends meet is "hustling". It's possible the extra shift is needed because the landlord is greedy and keeps raising the rent by the maximum allowable by law.
They are operating by transparent rules. Howey test has been on the books since 1946:

1. The existence of an investment contract

2. The formation of a common enterprise

3. A promise of profits by the issuer

4. The use of a third party to promote the offering
I tip my hat to you sir, for providing 25 years of the pleasure of pursing the scientific method and experimentation, even in areas that would be often dismissed by Those Who Know Things(tm). If a claim is made, well then roll out the experiments and demonstrate it works or it's false.

In the 90s I actually thought you were responsible for the Scientific American Amateur Scientist column but after a year or so of regularly browsing your site I realized you were simply what Amateur Scientist SHOULD have been in the 90s, reflecting the zeitgeist of the prior decades of SciAm AmSci.

I spent plenty of time kicking it on usenet circa 1990 and later, but as a content creator you have to bust out your gopher links for proper cred. ;)
This is what giving up your guns does to a society.
Brian's concern in the tweet thread is that a lot of other companies are already providing lending services without SEC action, putting Coinbase at a disadvantage.

The rule should be applied across the industry in a standard manner, no matter which direction the SEC rules, and it is apparently not being applied consistently currently.
Why not use an exponential filter that only uses a single variable?
At minimum, if that was true, Coinbase's competitors would not be freely operating the same service without SEC action.
The article -- https://www.cmaj.ca/content/193/35/E1377
When I launched my former bitcoin casino in 2011 (it's gone, but it was a casino where all games, even roulette tables were multiplayer, on a platform built from scratch starting in '08), I handled all web requests through a server in Costa Rica that cost about $6/mo. Where I had a shell corporation for $250/year. Once the front end -- the bullet containing the entire casino code, about 250kb -- loaded, from Costa Rica, and once a user logged in, they were socketed to a server that handled the gaming action in the Isle of Man. Graphics and sounds were still sent from the Costa Rica server. I didn't have a gaming license in the IoM, though - that was around $400k to acquire legally. So I found a former IoM MP who was a lawyer, who wrote a letter to the IoM gov't stating that we didn't perform random calculations on their server, thus weren't a gambling site under IoM law. Technically that meant that no dice roll or card shuffle leading to a gambling win or loss took place on that server. So the IoM server handled the socketed user interactions, chat, hand rotation and tournament stuff. Also the bitcoin daemon and deposits/withdrawals. But to avoid casino licensing, I then set up a VPS in Switzerland that did only one thing: Return random numbers or shuffled decks of cards, with its own RNG. It was a quick backend cUrl call that would return a fresh deck or a dice roll, for any given random interaction on the casino servers. The IoM server would call the Swiss server every time a hand was dealt or a wheel was spun; the user was still looking at a site served from a cheap web host in Costa Rica. And thus... yeah, I guess I handled millions of requests a day over a $6 webserver, if you want to count it that way.
It's not just the run-on, it's also the pointlessly verbose descriptions using words that aren't used in the industry nor common English
I think a lot of the student debt debacle is bad decisionmaking on the part of the student thanks to how much financing is available. In short, since its become so normalized to put school on the credit card so to speak, you have people that don't bat an eye at 6 figures of student loan debt. I did a whole lot more than bat an eye at that, I opted for going to a public school in state and saved hand over fist compared to my out of state classmates. Even a school like Berkeley is only 14k a year in state, not much more than a cal state school. I think if people had less financing available they would just end up in less debt and somewhere in their respective state schools rather than spending massive amounts out of state.
They aren’t ignored - parties try to woo them over.