skysight-inc/HackerNews huggingface dataset:
To an extent this is true. There are still likely to be events in which your credit score is queried: renting from someone who's not a friend (or getting your own place), unexpected medical expenses, especially when uninsured, applying for a job, security-related background checks being implemented (say, at client request) at the job you've already got ....

It's possible to live with very little exposure to Facebook and non-anonymized social media, the consumer credit system, and the like, but it's difficult to eliminate this entirely.

At the same time, this trend speaks to a larger problem: credit scores aren't as useful as they used to be, and/or creditors are increasingly risk averse.

It occurred to me after the 2000 crash that credit scores had limited predictability when the real factor was whether or not someone had an income stream. Credit scores mattered a lot in an age of easy credit, which had a lot to do with getting us into our present mess. Both may be much less prevalent in the future. Or not.
I wonder if the reporter referring to the math professor as a "leading exponent" of optical illusion was an intentional pun.
Are 30 million Powerpoints really given each hour?
So great! And then you plussed it with an Easter Egg (418)!
It's very hard to argue against this. Either your social network is a good signal, or it's not. If it's not a good signal, the people who use this information are going to lose money--they will quite literally pay for being wrong.

But if it does work, then overall mortgage rates will marginally decline. Better information will lead to better choices, so mortgages will become less risky overall. Some people will suffer, but keep in mind that when those people oppose this, they are saying "I want to hide material information from the people with whom I do business; if they knew the truth about me, I would get a worse deal." That's fraud.

Yes, there will be false positives. And it's easier to visualize being the victim of one of those than it is to visualize the tiny collective improvement in human welfare that tends to result from better decisions.

I would be interested in an argument that applies in this specific case, but doesn't apply to the general class of rough but useful heuristics, like "Kids with bad grades who drive recklessly are probably less responsible than 40-year-old moms who drive minivans, even though there is some C-student with a red car who is safer than some particular 40-year-old minivan-driving mom."
Are USB outlets the next home standard?
Ya, thousands of dollars (and years of their time) wasted dealing with a scammer seem like "juvenile vengeance" for me too…
> Rich Ashley music

FYI it's Rick Astley, not Rich Ashley.
The article proposes to use inline style tags for 15 or more properties to be changed. I always thought online style tags are like demons?
Ok, thanks for your reply :)
Show HN: My Load Testing Project
IPhone 5
NewiPhone5.net is the No. 1 Source for the latest iPhone 5 | iPhone 4S News, Rumors & Discussion. iPhone 4S is out and hopefully "the follower" iPhone 5 will be released next year along with the new iOS 5. Stay with us to be updated.
"What happens if you cannot find a bank that gives you a loan without insisting that you give them access to your accounts?"

Then you either go to another bank, or maybe you don't get the loan from any bank. If you don't get the loan, you change your plans to save up cash, or you change your goals.

Either most people will go along with this (likely), or banks will have to decide if a smaller loan pie is good business.
http://www.unrabble.com looks good. Liked the way you are allowing profile import from LinkedIn/Facebook. Wonder why you don't allow importing data from word resume.
I was being a bit tongue in cheek!

If you're a windows dev, if you've not got much time just scan through and look at the green items, the new additions.

It's nice, for example, to see Scott mention 7zip and curl, which I now use on windows too. It kinda makes you feel a little less of a traitor. Bins looks great and I also forgot about Console2 too, stupid cmd window not resizing.
Thank you, I'm well aware of how Unicode in general and UTF-8 in particular work.

While it would be possible to extend Unicode to carry terminal control sequences (or invent yet another standard to do so) my opinion is that having an out-of-band API is better than in-band sequences - most real terminals of the VT100 vintage had BOTH. This is no longer true, and the support for in-band control sequences is a source of much incompatibility. Remember when we replaced termcap with terminfo? Oh how we laughed.

What do you think is missing from the Win32 Console API, out of interest? I ask because I've written cross platform terminal components and ended up using curses on UNIX because that is the only sane way to interact with terminals; hardly a lightweight or even very portable solution, and that's before we start talking about licensing issues.
Feds probing Carrier IQ
Facebook + LInkedIn + Twitter OAuth for Rails Junkies
Extending PHP Object Properties
> I guess most of the HN crowd has very little exposure to the technologies in this field and most people probably consider this field uncool.

I'm always reminded of a conversation with a fresh Google hire wherein she said "How can you stand working at a utility, don't you want your work to affect PEOPLE?", as if utilities don't have hundreds of thousands or millions of customers that we provide an essential service to.
Otthoni munka
In Which Eben Moglen Like, Legit Yells at Me for Having Facebook
The truth is you gotta get better at negotiating—that goes for everyone.
Right you are.

Now extrapolate. What if I'm not an exceptional sparkly unicorn?

At least credit scoring on the basis of repayment of prior debts is linked to your own actions.
If I were writing a social network layer to a creditworthiness algorithm, the first thing I'd do is create some kind of taxonomy of friend networks. Got 500+ friends? See if the Google results for your name indicate fame (i.e. you show up in title tags on Amazon, IMDB, or the NYT). And bam, reduce the social networks' weighting.

Although I would be willing to bet that a) your fans will have above-average credit scores adjusted for age, and that b) authors whose fans have crappy credit are themselves more likely to have crappy credit.

In the extreme case, if you're a law professor and your FB friends are all attorneys who loved your book, you're probably a good credit. If you wrote a guide to how to fool your parole officer and your FB friends were all fans of your book, your odds of default might be pretty good.
I could see such solutions used in cases where:

1. you are already using Redis for some other part of the application

2. you don't want yet to have Lucene/Solr/ElasticSearch

3. you don't need to support too advanced searches

On the other hand while building such a library could be a good learning exercise, I think that before using it in an application you should look for other already existing libraries and try to collaborate with the original authors.

--

All things NoSQL: http://nosql.mypopescu.com
With some custom code and the help of libraries like MacWidgets, you can make some decent native-looking GUI's with Swing. See my profile for an example of one - it's a large-scale desktop application.

I concede though that if you go with out of the box LNF's, even Nimbus, your results will not be up to par.
If you want this minus the cats (and with more features), try http://httpstat.us/
I think you have the wrong picture of the scale of the investment required to fund Columbus. It was common for businessmen to fund voyages to known places. Columbus had a more difficult time because of the unknown. He actually had a pretty good idea of the distance involved (because his estimate of the radius of the earth was too low) and the Irish and Vikings had been getting almost there for centuries. He went to royalty because they could afford bigger risks. The reason that royalty werent involved much in scientific and commercial advancement was that their sport of choice was war.
Certainly. We have the ability to attach custom attributes to events and then segment by them [1]. We envision both backend and frontend ways to attach attributes. With frontend they could be set by JavaScript in the page. In backend we have plugins for popular platforms in works.

[1] http://infunl.com/#split
So in general I totally agree with you. The issue is the communication style conveyed in the post above is no way similar to the communication style conveyed in to email and resume. My email was much more professional.

I think your tome is somewhat off base.
Storage Executives Head to Prison over Price-Fixing Drives
Hopefully you don't write self-help books for the unemployed.
Chances are they'd more open to telecommuting at the lower end of the salary range, as an incentive for top talent to take a lower wage.
An interesting angle is that the current model actually works quite well for the least popular artists: someone else pays for the cost of recording, usually at least a small advance, and tour, and if the record ends up selling nothing and the tour is a bust, the label eats the expenses. Such people would be quite a bit worse off if they paid for the recording/tour out of pocket and it went nowhere. The people who get screwed are those who do moderately well, where the record company takes most of the profits.
I think the important fact is that this worked. If this did not work even for someone with a sizable reputation and fan base, then the outcome would be bleak for those who do not. Plus as more people follow this path with success, even those who do not can benefit. The studios and other agencies may have to compete with this model, and in the process hopefully improve the current model for those who are still under it.
GitHub gets a skinnier header.
FYI - I've set up Facebook page. If you're interested in LStack development updates and news, you can follow it at http://www.facebook.com/pages/LStack/132936566819342
Just as far as this goes: "Yes, he will continue to earn money from it. But I imagine most of his true fan base will have already purchased it by now, so how many people are there really left to reach?"

Fan bases are always growing/shrinking. That statement is the equivalent of saying that Michael Jackson's "Bad" album probably saturated his fan base in 1987, and he probably didn't make much money off of it in the 24 years since.

I wouldn't underestimate the long tail.
3. Weird extra steps...riddle/puzzles/challenges might seem cool to you but might just seem like another hoop to me.

I can't wait until this business fad is over.
I saw this, read it, identified with it since I don't have a Facebook or twitter, and wanted to share it with others.

Paradox: By the logic of the article, does that mean I have committed the cardinal sin the article was condemning? I know PG probably doesn't sell data to people, but still, by encouraging sharing behavior, I feel like I am helping the social networks become more entrenched.

How does one easily spread an idea which is against people easily sharing their lives, and thus, their ideas?
The difference being that the magician deceives you for your own benefit and at your request. Though the CEO and politician deceive you (or lie with the intent to deceive), you didn't ask them to.
Caltech/UVic Team breaks Internet data transfer speed record
Exactly my point. All fluff, no informational content.
Palantir is definitely True Neutral
I've been working on a large project in CoffeeScript for about 9 months now and have never noticed or felt burdened by the translation between JavaScript source line to CoffeeScript source line in debugging. Maybe it's different for others, but the code is so structurally similar that there shouldn't be a major difference. It's not like looking at the assembler output of a C++ program and having to demangle names and deal with compiler-generated labels and jumps etc.; the structure of the program is still the same, it's just the syntax that's really only mildly different.

Of course, though, it comes down to personal preference. Don't want to use CS? Fine! Great! Go hog wild! No one's forcing you to. Me, though? I'll never go back.
Internet to store more information than all of humanity by 2025
Using Dust.js templates with a client-side Backbone.js application
Tell Congress YOU Work For The Internet
There's also a BBC story about this: http://www.bbc.co.uk/news/technology-16174972
I'd love to see that list. I'm sure not generating MACs is on there. I could imagine reusing keys could be there. What else?
This list is pointless without the almighty Directory Opus, the only thing I miss about windows. Oh my god it is the most amazing filemanager ever.

http://www.gpsoft.com.au/program/screenshots.html
Android Malware Threat : Microsoft Hands Down
http://httpstat.us/404 dumps the actual code.
The Anosognosic's Dilemma: Something's Wrong but You'll Never Know What It Is
In a lot of ways the social issues matter, but they are obscured by the shear complication of the law making process and the lack of accountability the media brings to the process. We hear pundits and politician speeches, but we never hear about the lobbyist, sponsors, co-sponsors who contributed to a bill. The news doesn't do us the service that a sports channel does by keeping score.
It means instead of buying their own computer parts, they helped themselves to the supplies at HP and Atari, where Woz and Jobs worked during the day.

HP and Atari probably didn't notice or didn't care.

He's referring to when Apple was just starting out and they didn't have much capital.
Presuming this is using the North American floor conventions (which I presume to be the case based on University of Waterloo being in Canada, which according to wikipedia is likely to use the same naming conventions as America[1]), wouldn't it be better to optimize example 3 by having the second elevator on the seventh floor? This means floors 8-12 and 6-2 are only five floors away. If you station the second elevator on floor 6, then floor 12 is six spots away, and floor 2 four spots away.

Its definitely much more complex than that (e.g. the ground floor elevator could take people down from floors 2 & 3 or something, depends on time of day, etc.), but if the author's intention was to station one elevator at ground level and another in the middle, floor 7 is the better choice.

[1] http://en.wikipedia.org/wiki/Storey#North_American_scheme
>For people you do care about, you can always meet offline, or call.

This is an incredibly myopic worldview especially nowadays. I don't know about you, but online is where I do 99% of my socialization outside of the office. Why? Because phone calls are distracting and rude (when IM is right there and won't interrupt everyone), and meeting up in real life is something that requires a sometimes herculean effort of schedule juggling.
...and be the guy without a credit history. Pretty high risk; what are you trying to hide?
Instead of comparing the equity of the first engineer with the founders, it is easier to compare how much his lower salary can buy him if he takes another job with full salary and invest the difference in the company as an angel investor. If there is an engineer whose salary is $120k/year and is joining a startup at $90K/year, he is taking a 30k/year loss. Let's say the startup has received $500K investment at the valuation of $2.5M. Since the startup has passed its valuation point already, its current value is somewhere between 2.5M and its future expected value.

Let's assume the prediction for valuation at the next round is $10M and there is 50% chance that the company gets there. This would make the value of the company about $5M at this point. This means that the engineer's discounted salary is worth about 0.6% equity (30K/5M=0.6%) for the company. Usually companies make the offer for 4 years worth of equity with a vesting plan. Again it is not correct to multiply 0.6 by 4 because the salary of engineer will reach to its market value after the next round of funding. It is fair to multiply it by 2x. This brings the total equity given to the engineer to be about 1.2%. I made a few assumptions here such as what the expected value of the startup would be in the next round of funding and how much the salary is lower than the market value. This calculation shows that the current amount of equity offered to the first employees is not that different from what it should be contrary to what the author of the blog post has suggested.

To offer a simple formula:

Y (expected equity of the first employee for the first year) = X (loss in income for the first year) / V (valuation at the next round of funding) * P (probability of the startup getting to the next round).

For our example:

Y = 30K / 10M * 0.5 = 0.6%

I know engineers often compare themselves to the founders and wonder why they should get so much less equity considering that they have similar skills and are putting equal effort into the company. One thing they ignore is that what founders have already put in. In most typical startups, the founders have been developing the idea at least for two years and have worked full-time on the startup for 6 to 12 months before receiving the seed funding. They have done this at the time that the possibility of getting to the seed funding round was less than 20%.

If we assume their market value was $120K/year, that means they each put in something about $120K at the time that there was less than 20% chance that the company would get to the point of $2.5M valuation. If there are two founders, this would be about $240K investment at the valuation of $500K (2.5M * 20%). That means the founders should get 48% in vested shares in the company. Instead they get all their share as unvested shares and have to work for the next 4 years in the company to earn them. Considering the remaining sacrifice they have to make, it is totally fair for them to receive 60% instead of 48%.
But if it does work, then overall mortgage rates will marginally decline.

Or the banks will just raise the profit margins.

Some people will suffer, but keep in mind that when those people oppose this, they are saying "I want to hide material information from the people with whom I do business; if they knew the truth about me, I would get a worse deal." That's fraud.

What about "my bank has no business spying on who my friends are or what I do on my free time"?

This raises the cost (possibly prohibitively, if the number of people who refuse to give out an account is so small that banks can outright refuse credit to them) to anyone who isn't willing to sell out their privacy, and more importantly, their friends'.

And of course, people like me who just don't have an account are outright fucked.
The demand for inconvenient truths is always lower than the demand for reassuring lies. My tone is as polite as I could make it while making the points that I believe needed to be made.
Watch Online as a Bright Comet Makes a Run at the Sun
ReadWriteWeb Acquired by SAY Media
The purpose of a credit score is to serve as a discriminatory practice.
Some things simply need to be outlawed. Unless you truly like the idea of ending up with a caste system.

It's a slippery slope.
I'm going to have to disagree. When depositors decide to save and defer consumption, entrepreneurs notice this (due to interest rate decreases) and can invest it to increase production. In general when the savings rate goes up, interest rates go down, and we see a shift from consumer goods to capital goods.

Taking out loans to go on vacation, etc is not a good use of the money and will hurt someone.

Taking a loan to invest in a business, fix a leak, etc will create value either by creating new opportunities or preventing catastrophic failure (e.g. a stitch in time saves nine). This is why pay day loans aren't evil, if for some reason you had an unexpected cost and won't be able to make a mortgage payment or truck payment the penalties could be quite severe, and thus a small loan to get over that bump is a fiscally rational choice - unfortunately many people borrow too much or too often and don't have a plan to live within their means.
great short piece, concludes with this advice:

If you're doing something big, people will compliment you. Most will
give you accolades or be quietly supportive. But it's those who
simultaneously support and challenge you who can help.

The best teams know this. They embrace feedback and seek criticism.
They find ways to change and improve. And they know that when someone
criticizes them, it's an indication of respect. Only the people who
really care risk helping us improve.

Fuck the accolades. Find the knowledgeable criticism.
So, is it actually accepted that a person's creditworthiness is correlated to the creditworthiness of the people they socialize with?
Steve Jobs loses to 'The Protester' as Time's 2011 Person of the Year
There's something about launching from your apt: Survey Monkey $1B Valuation
There are lots of loans that shouldn't be issued due to no fault on the person being invested in.

For instance, I've been working on opening an icecream shop for weeks and need a loan to finish the preparations and a bigger better icecream shop opens next door. Through no fault of my own, I am no longer a good investment.
Lol. I said "tome". As in a lengthy diatribe.
The "tone" of your comment seemed fine.
No I dont think so. $50 is too expensive. Most of my power bricks are for devices that consume more than 22 watts. My cell phone does have a usb charger. The transformer has a footprint less than the size of a US outlet.

Too expensive, too late.
An enormous pig of a browser would be bad enough, but you also have to run the client js served by site X, because nobody else has code that's always going to be compatible with today's revision of the site X API. And if you want any behavior that isn't baked into the site X client js, you're just boned. That's why I liken this trend to the client/server days, when you were stuck with one terrible client you couldn't fix—which is what I thought the web had saved us from.
Did you customize your email at all for each company?

As someone on the receiving end, I'm way more likely to send you a personal response if you've sent me a personal email, regardless of whether you seem like a good fit for the job. Even if you don't know the recipients, include a sentence about why you're interested in working on their product or space.

If it's clear you're just blasting out your resume, and you don't seem a 100% perfect fit, I'm probably not going to take the time to send you a personal response. I'd like to reply to every applicant, I just don't have time.

Am I missing out on qualified candidates? Maybe. But interviewing and hiring takes a lot of time and resources away from building product. And I've found that applicants who have done their due diligence on our company and product are way more likely to be solid candidates and get all the way through the interview process, making the time spent 100% worth it.
On a fundamental level, I define it as the stuff in the world that's beyond the purely material, that transcends physicality. Things like Mathematics, Love, Beauty, etc. Things that I believe will continue to "exist" (in some sense) beyond the existence of the universe around us.

As Steiner puts it, "science, religion and art" all try to bridge this dichotomy of the physical vs the spiritual.

So, no, it's nothing to do with ghosts and stuff.
Fair enough, though I wasn't at all upset at the idea of seeding the video 'cause honestly digital distribution should be free, just the note he put with the seed felt selfish and in the context of the article did not include a link.

I understand as an alternate to downloading and getting what you paid for sure, you can seed it. But don't put it up there with a note that says the video should be free.