skysight-inc/HackerNews huggingface dataset:
This is an easy statement to make, but I think, empirically speaking, it just doesn't line up with reality. For payday loans, where the terms have historically been in excess of 36%, the vast majority of borrowers:

1. Pay the loan on-time (more than 90%; Community Financial Services Association of America, "About the Payday Industry: Myth vs.
Reality.")

2. Do not roll over the loan (same source)

3. Are able, in advance, to accurately predict when they will be able to pay off the loan ( https://scholarship.law.columbia.edu/faculty_scholarship/594... )

4. Report having been satisfied with the experience as a whole ( http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.554... )

Furthermore, evidence shows that, on the whole, loans of this nature prevent bankruptcy, foreclosure, bounced checks, and other outcomes ranging from extremely devastating to merely disruptive ( https://www.researchgate.net/publication/5051409_Payday_Holi... ; https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1344397 ; https://digitalcommons.chapman.edu/economics_articles/104/ ).

I think fortunately/unfortunately, most HN readers won't be familiar with the benefits quick, easy access to capital can have for a person, especially those living on the margins of poverty, where missing one e.g. auto or phone payment can have cascading, long-lasting effects, such as losing a job. The nice thing about our distributed, relatively free-market economy though is that every person can act as an independent agent, analyze their own risk tolerance and ability to make responsible use of the financial products available to them, and make choices leveraging personal information that no centralized authority (or blanket rule, such as "loans with interest above 36% should not be permissible in any circumstance") could possibly have access to.
Pete Buttigieg. Prediction markets have him at 15% right now, 3rd behind Biden and Harris. America is screwed if the only reason we can't have sane leadership is because a significant portion of the country has a problem with him being gay. (he lost the 2020 nomination to Biden because of the South's apprehension)
> A place where it hit exponential levels with really bad results is here in NY at the beginning.

Or Italy where they had to call in the military to cart away corpses:

* https://www.cnbc.com/2020/03/19/italian-army-moves-coronavir...
I'm guessing there's more of a sense of angst in NY or SF than in Columbus or Tallahassee.
Nice poem. Haven’t read it before.

Berryman’s Dream Song 14 is one of my favorites. https://www.poetryfoundation.org/poems/47534/dream-song-14
Rather than rescind voice, i think we need to try some moderation & metamoderation. There's huge problems but we have tried so so so little.

We should be building more advanced feedback & critiques of identities, anonymous, psuedononymous, & eponymous (?). We should be looking at recaps & summaries g aggregates of user histories over time when we run into each other.

What isnt tolerable is every comment having the same weight. Having throwaways appear at the same merit & virtue as a longstanding user of good regard. We havent even begun to generate the most basic, prelimimary of social defenses. Tonpropose that we should simply start blowing up online speech without having tried doing anything to enlighten & inform ourselves- I find these cries pathetic. Just morally ruinous cowardly & panic stricken folks spewing these warhawk fearmongering cries, beating the wardrums. We have to try empowering each other, try dealing with each other some, before we start resorting to convenient banning of speech. In my view there have been next to no initiatives to promote & extend a social democracy. We've let trolls have the power by making all voices look the same, by letting information & speakers not be subject to social review & criticism & defense: that is the enemy here, the free pass, the lack of social defense.
> Is it really that surprising that the act of reacting to a message with an emoji isn't E2EE, given the server needs to count the number of reactions?

Why couldn't the client simply count the number of reactions?

I can't imagine it'd be a performance issue. After all, if you didn't have reactions you'd have a bunch of in-band "+ 1" comments; if such a thing would bring down the server then I'd assume you'd have much bigger problems.

Edit: clarification
From what I understand, firejail is a "syscall filter". This moves it to the same category as capsicum (https://www.freebsd.org/cgi/man.cgi?capsicum), but without Capsicum's security model, instead implementing something ad-hoc, probably by using Linux' seccmp.

Jails, on the other hand, are not a sandboxing mechanism - they are system-level virtualization, like Linux namespaces, but with a simpler interface. You can use it for sandboxing, but it's not what the mechanism fundamentally is.
Yeah, I took "same support as TS to JS" to mean "seamless interop".
The sympathy for the Uyghurs would be understandable, if it didn't come from a country which killed a million of their brethren instead.
> or any other epic saga whose purpose is to provide a myth (in the literary sense)

Saga is an Old Norse word meaning "what is said," borrowed by English-speaking Old Norse scholars to refer to Old Norse narratives. The Aeneid is an epic poem written in Latin by Virgil around 25BC, give or take. The Odyssey is an epic poem written in ancient or Homeric Greek by a single author around the 8th or 7th century BC. The Bible could not be more different, being an anthology of writings of many different forms and many different languages by many different authors composing across the span of nearly a millennia.

> The Bible makes clear and explicit claims about its author

Please provide two examples from the Bible of clear and explicit claims about it's "author"
Your surprise is of an entirely different nature. You're very familiar with the area, you know the Waffle House wasn't there all that long ago. "PopAlongKid"'s surprise arises from a total lack of familiarity. He looked at a map and thought to himself that Pennsylvania doesn't "fit the profile" of a Waffle House area.
Gas is better than coal in a strict sense, and a combo of gas and renewables will vastly reduce emissions, and in a way most people can deal with. Over time battery prices will fall and renewable install base will rise so that gas peaked eventually become unnecessary.
I wish that our very large corporations could also be shut down for practices like that, but instead we bail them out. Vote harder I guess?
Reminds me of “No Way To Prevent This”, Says Only Industry Where This Regularly Happens:

https://qbix.com/blog/2021/01/25/no-way-to-prevent-this-says...
Just chiming in as a plus one updoot etc. here. I understand the balance of complexity and resources needed to make essentially meaningless data encrypted, and I fall firmly on the side of "do it anyway". I can explain to users that things take longer because they're encrypted, I can't explain to them why they have general sentiment analysis derived from emojis used over time intercepted by <X> in a room they thought was secured.
Human Fat (Pharmacuetical)
Income inequality squeezing the bottom of the tax base? The money was much more evenly distributed then.
> Max Webber [of] John

Kind of like Johnson.
At minimum, I can't see aviation moving away from fuel for probably the forseeable future.
Have you considered adding wallet connect based login option?

https://walletconnect.com/
>After a clicker question was shown to the class, the students discussed the question within their groups (which often expanded to three or more students) and submitted their answer using clickers.

I’ve never seen clickers used effectively and they were used heavily in eight years of my education. That is, I’ve never seen them used in a way that could not have had its results replicated without the use of clickers.
Did YC divest itself once the problems started?
Discord is using 157MB of 24GB on my desktop right now. 0.6%

On my laptop, 114MB of 8GB. 1.3%.

I even used Windows Calculator to work out these percentages because the effort to make the "calculator" button on the keyboard load another calculator, and find another one to load, and learn to use it, to save 19MB of RAM for a few seconds is not worth it.
How do you determine which ethnic groups have been historically disadvantaged and to what extent need correction?

Black: Yes

Native American: ?

Afghan: ?

Puerto Rican: ?

Hawaiian: ?

Japanese: ?

Jewish: ?

White: No

Or do you simply go until the diversity of the position/company matches the diversity of the general population?
What collection tactics did LendUp use?

In addition to extremely high interest rates, a lot of these companies rely on being pretty aggressive to get people to pay. I kind of assume that without that these products don't really work.

Was the idea that the "ladder" was meant to be a carrot sub for the near "we'll break your legs" stick tactics that a lot of other lenders in that space use?
And most of the rock in the Southwest US is sandstone which will fall apart if you look at it funny.
Why use a websocket on CP systems where consistency is important? Request/Response seems better?

Even though they CAN be used for CP I always thought Web Sockets were targeted more for AP systems where Availability/Speed was what's more important and if the connection broke and state was lost it wasn't a big deal.
https://en.wikipedia.org/wiki/Patronymic
Everyday life is generally okay there, and it's not hard to have a great time as a tourist there. The problems are if you are unhappy with the status quo and are a dissenter.

You can flourish there, relatively, if you follow the rules. But if you get on the government's bad side you will be quashed.
One thing that I've always found interesting is that, historically speaking, usury is very consistently frowned upon, even across societies that are otherwise very different. What more, the interest limits were usually far harsher than anything that we have today.

One can't help but wonder if our society being so deviant from the historical norm is evidence of its long-term unsustainability.
That is correct and therefore the autopilot does automatic piloting which is obviously spectrum that can include more or less capabilities but certainly its not to be confuse with "autonomous piloting" or "self-driving/operating".
> which is the whole point of the vaccines

Historically the point of vaccines have been to prevent transmission. The covid vaccine is distinct on this.
This paper is interesting and I agree seems like good news. It was posted yesterday BTW.

There is a wrinkle though: the 80% reduction in hospitalizations is compared to this summers delta infections, but they found no difference in hospitalizations compared to non-omicron infections this November (the time period of the study).

They have some discussion of maybe if that’s due to prior immunity or something, but it seems like things are still just not clear, and more data is coming down the pipe.
Ironic, seeing as it's prohibited in the (expletive for emphasis)'n bible.
Heh, who would have thought that HDCP would actually be useful for something? (Yeah, yeah, I know -- the authors of the papers did...)
A team at work made the mistake of using WebSockets for a new application instead of old fashioned long polling. That resulted in 3+ months of hell debugging a buggy OSS library and fixing incompatibility issues for different mobile devices. And it broke again when a new OS update was released for iPhone. I did warn them not to use fairly new tech when old battle proven tech would solve the problem equally well. But the shiny new tech was too tempting for them and they paid the price for it. Which yet again confirms my #1 rule of thumb: always use tech that is old and boring unless there is no old tech that can do the job. If you want excitement, perhaps instead do kick boxing. That worked for me.
I'm guessing that it's to ensure their loyalty, and the loan can't be paid off by them doing something bad for the military?
If the US is Jurassic Park, what was the place you came from?
I mean, if it's got no single quotes:

HEAD_TEMPLATE='
<title>Sherver example</title>
<meta name="description" content="Sherver example">
'
Who is Henry that both this poem and the original post refer to?
It's not Uganda that's being held to account here. Its NSO, and not just for selling to Uganda.
To put a different perspective on that: The remaining Native American ruins in the Southwest are roughly the same age as European castles.
As someone who suffered (and complained a lot) about this issue, I kind of fail to understand how this could possibly help fight the spam.

This seems to be more related to DMCA violations to be honest.

Anyways, my spam issue stopped around two months ago. After I complained to Google for those spammy tags with multiple examples forwarded and multiple cases opened, they seem to have solved the issue (or added me to some sort of mention exclude list lol)
Lea Degen on Cities, Optimism, and the Danger of Floating Off with No Grip On
> And don't forget Credit Cards rates.

You mean those 18 month 0% APR rates for credit balance transfers? The US has huge rates for long term debt, but this is silly.
YC should take steps to ensure the businesses they invest in operate ethically. Of course, the first step would be to acknowledge that something went terribly wrong here.
Google Cloud seems to be doing much better, at least recently. There's also Azure. AWS seems to have placed growth above everything else at customers' expense.
I'm not the author, but I'm sure he'd appreciate an email :)
The optimization could be done by lazy evaluation, like a generator.
“only affordable housing in my area is in single-family housing developments”

Where do you live where a single-family (assumedly detached?) house is the most affordable? I know of rural areas where they are the only housing available, but in the US apartments are (almost always?) more affordable, if nothing else than they are smaller. Rent/buy considerations, true, but house plus land > just house/condo/apartment. Sounds like an investment opportunity…

And how is owning a car making you *miserable*? Not the commute, but just the ownership? The expense? The option of convenience of carrying the whole family and/or cargo? The option of climate control? The option of direct À-to-B routing? The option of immediate availability? The option of relative privacy and safety? The option of a boring monoculture of people just going from A-to-B without the piquancy of urine, drug addicts, random attacks, infections, etc.? Find a good mechanic…
Yes, you believe. The reality is that most healthcare systems, at least in developed countries, handled the patients well enough.
At least in The Netherlands we mostly use centralised (gas-powered) heating, so nuclear energy is a tangential factor. Also there seems to be room for improvement in insulation and centralised thermal storage (warmtenet in Dutch). Electric cars seem both like both a problem and an opportunity, because you could charge them while being at the office and partly use their batteries for powering your home at night (in case you don't need a full charge to get to work in the morning).

Regarding rare earths, we will need them regardless of using nuclear or renewables for electric cars, so that seems partly tangential. For wind turbines their reliance on rare earths seems troublesome. It's geopolitically ironic that we (Western Europeans) get our gas from Russia and our rare earths from China.
I guess we assume word have meaning and are mostly understood by everyone according to the meanings or people dont understand the word at all if they never heard it.

Assuming wide spread misinterpretation is a bit far fetched especially for a word that the average teenager knows what it means.
Ruby on Rails or Laravel

I would lean more toward Laravel just because it's community and tools are better at this point.

You can learn here:
Laracasts.com

Docs are great:
https://laravel.com/docs/8.x

I would recommend using the TALL stack.

Tailwind CSS (Check out Tailwind UI too)
Alpine.js
Livewire
Laravel

Check out Laravel Jetstream, it's a great way to get auth setup out of the box.
When you're ready you can use forge.laravel.com to spin up servers on AWS or Digital Ocean.

There are lots of great packages out there.

The community is great and it's easy to get connected in to it.

Good luck with your app.
And yet here is your comment for all the world to see.
Easy fix - forbid usurious loans that people are personally liable for. Only allow repossession of a actual asset in the case of failure to pay - and suddenly all these go away.
I'm not convinced that payday loans should be able to produce a profit? The subprime group seems like people who should be serviced by the government, rather than pushed into a worse place to extract what little value they have.
Not just YouTube, even play store developers who get their apps removed arbitrarily are left with talking to a robot instead of a human unless they can create enough social media storm to get some media attention and then google might finally review it.
…which applies to everything. Anything only has a market value when someone else wants it.

Heck I have old things that I want to get rid of but because no one really wants it, I can’t sell it for any price that’s worth the effort, despite being a physical item having intrinsic value.
People qualify for credit when times are good and they can afford to pay it back. Then something bad happens and they can't. Banks are usually in the business of getting paid back. Often when they're not, it's because of a regulatory failure.
What do you think solves discrimination?
Everything you said is definitely true as of right now, but if Microsoft somehow finds a way to extract a cut from every transaction on Windows (fears of this around the release of Windows 8 is what initially spurred Valve's Linux investment), Valve actually would stand a chance in hell of convincing people who use their computer for video games and webapps nearly exclusively to switch over to Linux if games and microtransactions worked and were cheaper.

We're not really talking about the group of people that are into both PC gaming and Linux. We're talking about the group of people that are into PC gaming that would be fine with a Chromebook if they weren't playing games, and would consider Linux if games were cheaper on it.
Another way to say it is that if a book says to not do something, it must be because there are people out there doing the opposite...
Yeah, people at start of pandemic needed something easy and quick. Many of those people were relatively new to VC as an everyday part of the toolset. Zoom was focused on engaging people over VC quickly and easily, whereas Teams was/is like a Swiss army knife buried in a deep toolbox that you can only access through a subscription plan to the toolbox, so I imagine for non-tech teachers and whatnot, Zoom's approachability alone was a god-send.

Also Teams/SfB, despite years and years of their users complaining about the limit to concurrent video feeds, never progressed past about four until Zoom came on the scene. They didn't just exceed Teams by a few, but like an order of magnitude.

I use Teams every day but thank God for Zoom driving improvement. Just underscores the value of market competition.
Don't think of it as our maintenance capacity decreasing. Think of it as many more maintenance "requirements" having been added.
Split_first would have been a better name though (and split_last instead of rsplit_once).
PHP 8.1.1 PHP Devserver is out
For your criticism regarding reproducible builds, I'm not sure it's entirely correct. The impression I got from a skim was that version control metadata was being embedded, such as the git commit hash or maybe a tag. Both of which are static within the constraints that builds are generally reproducible across. However, if it includes timestamps or some generated metadata, then I wholeheartedly agree with your concerns.
PortableApps.com Hits 1 Billion App Downloads
A fossil site reveals an ancient sinkhole and its enormous occupant
And here is my comment, downvoted to 0 and hidden to grey, and people who dislike me and go to my thread and downvote all my past posts by 1.

Ignore me, dismiss me, whatever. But the censorious culture of the Bay Area is the very opposite of the (pretty neat and good) hippy dippy free culture of the 60s. It's the reason people are leaving, because their free-wheeling ideas are encouraged elsewhere.
Indeed, maybe my phrasing was wrong, but I feel nationalism only creates feeds xenophobia, because is never "X government", is always "the chinese", "the russians" , "insert_the_current_buggy_man_here"... I also understand that there is no chance this will ever change.
Yeah people never work in secrecy (or in the open) together and lie due to common interests. Especially millions of people. It would be impossible to coordinate them!

- Signed, Santa Claus, coming to deliver presents to children worldwide soon.
If you can’t live a “decent” life without loans, loans will almost certainly make the situation worse.
The unsung hero of Blackhole is the ability to easily build a new one, meaning you can have infinite sets of audio devices with custom names.

https://github.com/ExistentialAudio/BlackHole/wiki/Build-wit...

Just change around some variables: `kDevice_Name`, `Manufacturer_Name`, `kPlugIn_BundleID`, `kBox_UID`, `kDevice_UID`, `kDevice_ModelUID`, and then the Blackhole.driver folder it spits out after build.

You can also go up to 16 (or more?) channels instead of the stock 2, which is great for multiple participants in a jacktrip session, among other things.

https://github.com/ExistentialAudio/BlackHole/wiki/Change-th...

That one is slightly out of date. The new variable name is `kNumber_Of_Channels` for number of channels.

You can have a dedicated Blackhole audio device for each thing you want to mix and then stitch them together into an aggregate audio device (on Macs). Now you can use this aggregate device inside something like Ableton live, and then you route and mix audio from different sources.

Then you can send your Ableton mix to something like OBS Studio for example. Or even use different sets of return channels for different mixes to different places, like one for your monitors, one for OBS/live stream, one for your headphones for monitoring what you're playing perhaps.

Multiple Blackholes + aggregate audio device = A+ happy audio routing
> Especially because we use the product at work.

Used to be in the industry, 10+ years ago. Friends tell me goods things about it too.

And anyways, I'm pro-neither party. Both are corrupt to the core. I just hate it when propaganda and lies at this scale works too well.
I am spreading information from the people who designed and built it on purpose to counteract the clickbait sky-is-falling misinformation.
I don't think Russia would ever fall under our sphere of influence. Their media is much too tightly controlled and Russia itself is pretty much the master of social media influencing.

But it's a very interesting insight, that he might think we play the game like he does. And I wouldn't rule out that the EU had a hand in the political changes in Ukraine. There's been some rumblings about it. Not sure if it's another misdirection campaign or real. And I know we don't have an unblemished history either.

Most of the population in Western Ukraine seems to be pro EU though. And I don't think that's a result of influencing.

Ps Thanks for pointing out the typo. I know the difference but it must have been auto correct, I'm on my mobile.