skysight-inc/HackerNews huggingface dataset:
> "I'm sorry, you're here in Chex Systems for account abuse at BigCorp Bank three years ago, we can't open an account for you."

> eventually I got into trouble with a bank

Could you elaborate on this? I'm very familiar with the CRAs and how they operate, FICO, etc., but I know very little about Chex. What kind of "errors" do these entail?

I'm not asking about the details of your personal case - I'm just trying to understand what a typical experience with Chex is like, since I have no firsthand knowledge and you seem to.
Academia doesn't teach you how to fight for yourself in the world. The eventual injustices (observed on the scale of many years) are brutal, but the feedback cycle is so delayed that the judgment-of-character skills that most of us learn in their 20s (through humiliating, frustrating trial-and-error amid entry-level grunt work that, now that the corporate-ladder system is antiquated, serves no point) they never get.

In the corporate world, if adversity comes after you and you don't defeat it, you'll be out of work in a few days. You start to learn the signs. In the academic world, your career just stalls out one day leaving you with no idea why, and the causes were probably decisions you made years ago.

So it's quite possible, if not common, for very talented people to have no idea what the fuck to do for themselves out on the battlefield. That's how they end up aimless and clueless at ~27-30 despite strong technical talent.
Ok, thanks for the example! I'm surprised it makes such a difference.
Are you implying that cyber-bullying (for lack of a better name, I don't much like it either) is not a real problem? I think we have ample evidence that it does present a unique problem.

That being said, I think Louis CK's more important point is his latter one, that many people are becoming too dependent on their phones to fill the silence or quiet times in their day-to-day. I'm guilty of this too and I don't think it's healthy. I'm not saying we should all pull over in our cars and bawl to a Springsteen song, but there is something to be said for time for quiet thought and self reflection which is very easy to replace and lose when you're always checking to see what the latest is on Twitter or HN.
Problem for whom? If people enjoy it, and don't agree with your assessment of the program as punishment, then what's the issue?
Exploiting it is criminalized. Exploiting it is harder to detect and enforce. It is easy to read server logs and parse them for crimes. Lazy man's way to enforce the law.
We Built It, And They Didn't Come
IIRC, newer Intel chips that support some video encoding standard.
Which, statistically, it's pretty much correct.
When you put data on a private server accessible via GET with no access control or firewall, it is published on the web to the public.

Comparing it to houses that have doors, locked or otherwise, is exceptionally disingenious.
Why do I get the feeling that the "green" in the accounts on this sub-thread, smell like "astroturf"? We get a guy who claims he is an econ PHD (no email, no proof of that).

Obviously you haven't read Keynes, or you have at least referenced his warning:

^^^
Lenin is said to have declared that the best way to destroy the capitalist system was to debauch the currency. By a continuing process of inflation, governments can confiscate, secretly and unobserved, an important part of the wealth of their citizens. By this method they not only confiscate, but they confiscate arbitrarily; and, while the process impoverishes many, it actually enriches some. The sight of this arbitrary rearrangement of riches strikes not only at security, but at confidence in the equity of the existing distribution of wealth. Those to whom the system brings windfalls, beyond their deserts and even beyond their expectations or desires, become 'profiteers,' who are the object of the hatred of the bourgeoisie, whom the inflationism has impoverished, not less than of the proletariat. As the inflation proceeds and the real value of the currency fluctuates wildly from month to month, all permanent relations between debtors and creditors, which form the ultimate foundation of capitalism, become so utterly disordered as to be almost meaningless; and the process of wealth-getting degenerates into a gamble and a lottery.

Lenin was certainly right. There is no subtler, no surer means of overturning the existing basis of society than to debauch the currency. The process engages all the hidden forces of economic law on the side of destruction, and does it in a manner which not one man in a million is able to diagnose.
^^^

(I add: the one man in a million including, apparently, people with PHDs)
None of the arguments I think about have anything to do with who Weev is. I am almost solely concerned with precedent.
I like the idea that foreigners got a harsher sentence than the Texans in a case involving exceptionnally big tariffs against a chineese product, it reinforces my prejudice that Americans are xenophobes.
I thought it was called "pot stuck". Chasing implies that you still have some hope (i.e. you are waiting for a card to drop to make your hand). "Pot stuck" is when you know you are beat, but you can't get yourself to fold because you have already committed so much to the pot.
"This "who needs marketing? all we need is code!" code is exactly why desktop Linux never took off."

No - it absolutely isn't. I cannot emphasise that more. It isn't at all why "desktop linux" didn't "take off".

Let's not open up the whole desktop linux thing, but a desktop linux that had "taken off" is almost certainly not a desktop linux that I'd want to be using. As it is desktop linux works seriously well for very many people.
Do you know SEO? Cause that's going to be determining factor of whether you will be killing.
a
Why do we need the third? Why make downloading PII a crime when we already have felony laws for using such data to commit fraud?
Apple and Google weren't even in the field during Rim and Nok's best years. If they had never entered, it's possible Rimm and Nok would still be the top dogs now.
My apologies if you read any offense in my words; none was intended. Unless you happen to have a heat ray and a hatred for H20 solids, I can't imagine that you've had much of a personal hand in making it melty up here. I hope the data I provided may serve you even if my rhetoric don't.
Related: this is a great essay on the topic.

http://m.chronicle.com/article/The-End-of-Solitude/3708
Because morality and law (and/or rules) do not intersect perfectly. If murder were legal, would it not be my fault if I killed someone?
Well put. Evaluating "CrossFit" is difficult by design---HQ wants boxes to be almost completely autonomous. The best statement of CrossFit's philosophy is Greg Glassman's "World-Class Fitness in 100 Words"[1]. There's nothing there about doing lots of poor quality reps as quickly as possible.

I began my CrossFit career at San Francisco CrossFit and thought it was the best thing ever. Part of each session focused on mobility. Bad reps were not tolerated. It was like a daily seminar on how to maintain, tune, and fix the human machine. The skills I learned will benefit me greatly as I age.

Then I had to move, and I saw the dark side of CrossFit. Inept trainers with poor attitudes, encouraging speed and weight with no concern for proper body mechanics. I work out on my own now, practicing skills I learned at SFCF.

Bottom line: it's the box that matters.

[1] "Eat meat and vegetables, nuts and seeds, some fruit, little starch and no sugar. Keep intake to levels that will support exercise but not body fat. Practice and train major lifts: Deadlift, clean, squat, presses, C&J, and snatch. Similarly, master the basics of gymnastics: pull-ups, dips, rope climb, push-ups, sit-ups, presses to handstand, pirouettes, flips, splits, and holds. Bike, run, swim, row, etc, hard and fast. Five or six days per week mix these elements in as many combinations and patterns as creativity will allow. Routine is the enemy. Keep workouts short and intense. Regularly learn and play new sports. " -- http://www.crossfit.com/cf-info/start-how.html
"1. The necessity of adapting to the lure of technology in order to successfully navigate the modern world."

It's really not a difficult skill to master. When a child is emotionally and intellectually ready for unfettered cell phone/internet access, mastering how to make a post on Facebook (email-text-blog-instagram-hackernews-whatever) will not be a difficult skill to master.

"2. The incalculable benefit such devices can provide if used correctly."

Do you have the same opinion of television?

There really were people who thought television would be chiefly used as a way to educate the masses. Television is just a medium like any other, mostly crap, with the occasional sublime or brilliant show.

Same thing with your cell phone. Most of the content you access will be crap, occasionally finding something awesome or beautiful or brilliant.

I'm a Dad, so I fully support Louis C.K.'s opinion that parents should filter the content and devices children access in a way that's age appropriate. Most adults have a hard time putting down their device and interacting with their environment. Teaching our kids this skill early in life is to their long term benefit.
Wanting to be fixed correctly so you can be healthy and return to your activity is just a sign that you love what you're doing and have goals. Being proud of being hurt is totally unhealthy.
I wholly agree with you that dumb people exist in every sport/field/hobby/interest, but I think the comparison is unfair.

Obtaining fitness is generally a universal goal, whereas obtaining skill/popularity/fame in street racing fringe to begin with.

To me, the issue that many people seem to have with CF is that it's "unsafe" for most people despite it being marketed as such. And this being due to the irregular quality of the coaches (which is apparently related to the way HQ runs itself).

Personally, I think if you're lifting some multiple of your BW in any capacity you're not part of the norm, you're several deviations away from that, even if most people have the capacity to become that strong if given the time/training/discipline.
I don't mean this in a snarky way but did you have a blackberry? At the time is was a quantum leap over a cellphone. I felt the same way as I would later when I got an iPhone version 1. It was a huge productivity lift that let me be mobile with a small computer for email, calendar and then basic but at the time powerful apps like weather/browser etc. If they'd done BB 10 3 years earlier they might have made it.
If that happens, someone will simply dump the keys out of the update and update the third party software, the same way we got third party AirPlay streaming the first time.
I guess it depends on how young we're talking when we say "children".

It's all up to each individual parent, but personally, for the early years, I think there is plenty enough to see, learn and experience in the physical and social world that there's no need to introduce the virtual world. Nor do I think that learning about phones, the internet, etc. at a slightly later age is a negative in any sense.
> reading Facebook or playing a game?

It's called "communication" and "having fun", respectively. Just because the new ways we have didn't exist 100 years ago doesn't mean they're bad, or even worse than what we did in the past.
I understand that. But I am arguing that people are not less empathetic. People are the same. The expressive power of the text message is worse, but this is being fixed very quickly. If you count community-ranked reputation-based systems (such as say HN) it will be far superior to the so called "healthy interaction" in terms of efficiency and trust. Then there is video and audio communication. Perfectly viable to run 100 million dollar businesses and relationships. It's really not that bad.
Man, you're batting 1000 on missing the point.
> You're serious? I've just made tons of statement about what I really experience going to a real CF box.

Your statements about what you "really experience" have all avoided saying anything that lets anybody find out anything about how you actually exercise or what Cross Fit actually is.
BlackBerry Co-Founder Is Said to Consider Bid for Company
The iPhone was so good that users brought them into the enterprise any way they could - even paying out of pocket. RIM thought security/IT and company paid phones would be a wall Apple wouldn't be able to penetrate. Wrong.
Piece of cake, collected all coins :)
I think they actually have a chance of not dying if they do this. And knowing they're in this position they could perhaps have partnerships that Apple and Google would not be willing to do, and which could help them differentiate.
It's called transaction re-ordering. The bank claims the that large transactions (like rent, mortgage, etc) are likely to be the most important and that you, the customer, would want those to be processed first. But, the math works out in favor of the bank because you get more fees (exactly as you showed in your example).

I remember this being in the news several years ago. I don't remember if anything came of it, maybe somebody else here does. But, personally I did opt out of all overdraft services from my bank - so if I did run out of money my charge would simply be denied. As far as I know this never results in any penalty. Any automated billing I have set up seems to be fault-tolerant and will just notify me to verify my card information and re-try the charge a few days later.
Agreed. Email was awesome. And integration to calendar a must for on the to folks. I'm not sure Apple ever cared enough to completely close that gap. That's also the reason hardcore hold outs cite today (plus physical keyboard)
This guy's getting shredded-- and unfairly so-- here, and Porsche is the wrong metaphor (he's more like a high-end supercomputer; almost no one has any use for more than an iPad these days). However, he's dead right about one thing, and it will affect everyone here who is serious about programming.

As you get better, the jobs available to you get better, but the job searches get a lot harder.

PhD programs exacerbate the problem. You get better fast (faster than people do on typical early-20s grunt work) and by 27, you're already at that level of skill that starts to complicate job searches. (Again, jobs available are better; but 3-5 month searches are common.) In addition, you haven't learned the judgment-of-character skills that most people pick up in entry-level hell; whereas most people, by the time they get good enough that it starts to actually cost them job prospects, have learned those skills.
It has hard problems and doesn't need PhD's. You don't need a PhD to solve hard problems, even hard theoretical ones.
Quibb and Pocket - Bridging the Gap
I'm not so sure about the necessity. It seems to me the phones manufacturers are trying to convince us of this necessity. The whole world operated just fine before smart phones. Well, there is one thing...In America we all are expected to work smarter and longer and never actually leave work. The smart phone readily facilitates that...lifestyle.
"Grayson wrote an add-on to blender which translate 3D model into an audio waveform".

This guy probably has a t-shirt that reads "What would McGyver do?"
I'm not sure if I've ever had a valuable conversation where I thought that I should manifest and embrace distractions rather than just coping with them. Sure I can use my phone to embellish a conversation, but just like I didn't learn to ride a bike through my dad throwing me on a 10 speed and pointing me to the nearest hill, I don't think Louis wants to introduce a distraction that can sabotage his child's ability to establish effective communication skills.
Sure. I had two bank accounts: one with USBank, one with Bank of America. I had set them up as a savings account at one and a regular checking account at the other, back when I had money.

My funds eventually ran out, and they both were overdrawn. Not by very much -- $20 to $50 each as I recall -- but with fees & etc., it grew to more than I could resolve. One of them grew to over $500 of debt. (I stopped using either account as soon as they were overdrawn; I didn't write $500 of bad checks.)

I simply wasn't making enough money to do anything about it, and had no friends or family to turn to. (Well, that, and I was too proud to ask for help.) So, I walked away from it. I didn't know about Chex Systems at the time, and didn't realize that doing so would mean I wouldn't be able to open accounts elsewhere for about five years.

I think some banks do now offer options for people listed in Chex Systems, but at the time that wasn't the case.

I'm not sure what the range of abuses are that Chex Systems tracks. I was told more than once that mine was especially egregious, probably because it involved accounts at two banks, and because one of them racked up a pretty big sum.
I've watched Shark Tank from the first season. The radical majority of Cuban's deals in fact are minority positions. He very rarely buys controlling stakes.

His most valuable asset is time, and he's already loaded up on investments. He doesn't want to run the companies, so most of the time he prefers to retain the entrepreneurs or not invest, and he makes that clear routinely on Shark Tank.

Kevin is the shark that most frequently seeks complete buyouts.
And here I thought the secret was that the amateur followers are just a bunch of jackasses who like to brag on Facebook.
>I am disappointed to see the amount of teenagers who are wasting their lives by spending too much time of their “device.”

I see this a lot. What makes one person's life better than another's? From the perspective of a super intelligent A.I., all your actions could be considered a 'waste', just like we might view the actions of a squirrel.
A telltale sign of these PhDs is their lack of publications. Another bad sign is no publications at top-tier venues.
I suspect he/she is referring to Walmart Bluebird. It eats bank's profits for breakfast, lunch and dinner.
Can you please provide examples of developed countries speaking "in the last few years of forcing depositors to take losses in the event of bank failures" and which ones "have actually done it"? Cyprus is the only example that I can think of that discussed it and I can't think of any that have actually done it.
The Technium - Kevin Kelly (LinuxCon 2013)
What you see in the data is just the percentage that the red (Apple) takes.

But you fail to see that:

1) red went there from nowhere. In a totally unrelated industry from zero to hero.

2) all other colors, from that point on, started offering stuff just like what red introduced. Before the iPhone's introduction, the top 10 phones looked totally unlike it. So much unlike that people thought it would be a flop, and considered the total lack of physical keyboard "insane" (!). After that introduction, all they started look totally the same.

(Including Android, whose prototypes shown just before the iPhone announcement were crappy, 2006 like regular phones, with physical keyboards and a small screen -- and whose firsr version, introduced a whole year after the iPhone was just like it).
> I've been CrossFitting for over 6 years, owned an affiliate for 4 years, and founded the largest independent CrossFit-style competition series in the country (as far as I know).

Ah, the No True Crossfit Gym argument.

Everyone always seems to come from the one good Crossfit gym where correct form is emphasised. Where the coaches are wonderful. And so on.

The point is: trainees very rarely have the knowledge, qualification or experience to know if they are being taught properly.

It's like martial arts schools, everyone's Sensei or Sifu is an international badass.

The central problem is that CFHQ don't do quality control. Ostensibly because of a libertarian outlook, but I can't help but notice that it allows them to 1. milk the fad while it's booming and 2. better insulate themselves from lawsuits.
I take issue with you criticizing a student for asking for help. It seems to be an issue in comp sci; some proportion of students are always watching for others to ask for help so they can smugly lord their infinite self-learned (lol) knowledge over them.
I'm not a parent. I'm not old enough to have lived in an age when phones weren't common (19 years old).

And I totally agree with him. I didn't have myself my first phone until I was 14 years old (with some exceptions, like when going on school trips), and I can't thanks my parents enough for this.

I agree that smartphones can be really useful. You have infinite knowledge in your hand when you have a smartphone and a connection to internet.

But, you can also start depending on it. I know several people that can't leave their smartphones alone for more than 5 minutes, even when involved in social events. And it's not to access knowledge, it's either to chat with someone else, or check the latest "meme" over facebook.

Yes, it's "having fun", but when you're not able to live the moment, and have to access Facebook/Whatsapp every 5 minutes, it's called dependence.

Hopefully, Louis's child will not get into it. Thanks to their dad, they'll learn to enjoy real life, to enjoy the moment. And when they'll get their first smartphone, they'll be to busy enjoying their live to use it everytime.
what the heck is cod envy?
His latest start-up is Hicamp Systems (http://www.hicampsystems.com). According to this patent,(http://goo.gl/fDjEYn), Hicamp stands for Hierarchial Immutable Content Addressable Memory Architecture - looking forward to this coming out of stealth mode.
Unbundling: AOL, Facebook and LinkedIn
Those sources don't define correctness. Especially Strunk and White, which is pretty well debunked at this point:

http://www.languagehat.com/archives/003463.php
Which statistic? To me it's highly unlikely all people are excesive users. Like excessive users of Firefox with 5+ tabs are like 8-11%.
Are your notions of correctness defined by who can get publishing deals?
First, who said constant access to "all of the world's knowledge" is a good thing? Ever heard of shallow knowledge, dilletantism and dambling?

Second, just because something potentially "has access to all of the world's knowledge" doesn't mean it's used to gain access to that, and not to, say post BS pictures of your food or avoid people while in their presense.
No, but nor do I think much of the author's snide dismissal of law clerks as 'people who use Facebook a lot,' (and who, by implication, are incapable of parsing the defense team's arguments). This is a popular trope on HN, but not a very well-founded one. There is intense competition for clerking assignments, which means they go mostly to the cream of the academic crop, and good law students and lawyers are the kind of people who are able to accurately assess their own level of knoweldge on a particular subject and rectify it through research, because their professional reputation depends on the ability to do so.

Frankly, I would trust a law clerk who knew nothing about computers to understand the subject better after study than I would a programmer who knew nothing about law.
Say you have person A and person B who have equal raw ability. Person A spends 6 years gaining domain-specific knowledge for his job through real work experience, and person B pursues a PhD in a somewhat related field. Which person do you think will command a higher salary in the job market?

It doesn't seem to be an efficient usage of time to pursue a PhD for the express purpose of earning a higher salary upon graduation.
It isn't, but it makes for great link-bait.