skysight-inc/HackerNews huggingface dataset:
Kiva does not state interest rates. You are viewing portfolio yields, which are not interest rates and consistently underestimate the actual rates. For a post specifically discussing this topic with 10 examples using actual data comparing actual interest rates versus the portfolio yield stated by Kiva, see:

http://blog.microfinancetransparency.com/whats-wrong-with-ki...

If you want to see an MFI with rates approaching 100%, look at Mexico in particular. Before the MFI quit Kiva, Brac in South Sudan had a portfolio yield of 88%:

http://www.microfinancetransparency.com/evidence/PDF/11.24a%...

This MFI quit Kiva, but you can see it here: http://www.kiva.org/partners/107 note that Kiva now states the portfolio yield is "only" 69.03%, but you can't lend through them anymore as they are one of the many MFIs that have quit Kiva.

Portfolio yields do not include the impact of forced savings, some fees etc. and can be manipulated, and for a discussiong on why these are absolutely critical in understanding how much a loan costs, see the excellent website www.mftransparency.org, an NGO dedicated entirely to revealing the actual interest rates charged by microfinance banks, many of which exceeed 100% (but are not all Kiva partners). It is not possible to generalise about the ratio between the portfolio yield and the actual interest rates, but as a rule of thumb, a yield over 50% is likely a little too close to an actual interest rate of 100% for me, but this is a very broad rule of thumb that I use if I can't get more accurate data.

But it is good that you look at this, albeit flawed statistic, and try to only make reasonably priced loans. If everyone does this then the MFIs offering lower rates will receive more funding, encouraging those charging high rates to reduce them. Competition basically.

Please do not think this is a trivial detail. As the post above demonstrates, this can make a big difference in the overall cost of the loan that the poor person actually pays, so if you are trying to avoid exploitative interest rates you really must consider this.

But, the more interesting question that is harder to answer, and has far reaching implications, is why Kiva does not publish these rates. See the comments on the Next Billion article. Is Kiva unable, or unwilling to do so? They manage to get all sorts of other information - why not the interest rate? How hard can it be? The bank presumably knows this crucial piece of data, and yet this is replaced with a knowingly flawed portfolio yield statistic. Why?
HubiC and the pricing wars of cloud storage
In Polish, you don't use the plural vy as a formal singular. In Russian you do. I took Polish lessons at one point and my teacher would wince every time I accidentally called him vy. He told me the Russians used to force Poles to address each other that way in their own parliament. So sensitive was he to this long-past linguistic oppression that he couldn't help but be offended when an English speaker who happened to have studied Russian did it by mistake.
Because the internet is just a big video game with few consequences for trivial, meaningless actions. Click any button you see, FTW! Who cares?
They just raised like $50m recently from some random investment first from some country like Indonesia or something.
Context: Australian and NZ relations with Fiji have seriously deteriorated (expelled diplomats, aid cuts, trade sanctions) since the military coup in 2006, and the resulting dictatorship there. [0]

Despite the diplomatic meltdown between Fiji and the western world, Australia and NZ continued to offer healthcare to Fijians. It was a decision by the Fijian government to start sending people to India instead. [1]

Also, Fiji has very large ethnic ties with India. [2] The country has a history of deep social and religious divisions as a result. [3]

I don't think there's any suggestion or indication that it's actually preferable to have surgery or treatment in India rather than Australia or NZ.

As an Australian, I'm sorry that Fijians can't come here anymore under their healthcare program.

[0]: https://en.wikipedia.org/wiki/2006_Fijian_coup_d%27%C3%A9tat...

[1]: http://www.fiji.gov.fj/Media-Center/Press-Releases/FIJI-LOOK...

[2]: https://en.wikipedia.org/wiki/Indians_in_Fiji

[3]: https://en.wikipedia.org/wiki/Indians_in_Fiji#Religious_and_...
But isn't the US only using these assassinations in cases when taking the person prisoner is not immediately plausible?

For instance, someone wanted in Italy: The US could very plausibly have the individual arrested and extradited. Hence no drone strikes in Italy.

Arresting an individual in rural Yemen, however? Well that's tricky. Arresting the person isn't really plausibly easy nor straight forward. Hence the assassination.

(Funny thing, of course: Italy was where the US gov't seized that guy several years ago - kidnapped him for "extraordinary rendition". Still - the point stands; the rendition is illegal and crazy - arresting when plausible, assassinating otherwise.)
Show HN: I wrote a very niche ebook about GTFS public transit data
Looks bad in windows chrome though. this looks better to me:

#hy-console {
margin-top: 191px;
margin-left: 223px;
-webkit-transform: rotateX(-20deg) rotateY(5deg) rotateZ(5deg) skewX(4deg);
transform: rotateX(-20deg) rotateY(5deg) rotateZ(5deg) skewX(4deg);
}
I think they just duped some indonesian vcs into giving them $25 last month* ... so, they'll at least be around until they burn through that

*http://venturebeat.com/2014/01/11/with-indonesias-leading-ro...
I think it is feature creep if you consider the opportunity cost of all the development effort
Haha, I just posted my blog post about this sort of thing yesterday! Good timing. I'll update the post with this video.
http://preeminentproductions.com/facebook-ads-part-2/
The idea floated in this earlier Next Web article cited in the video is that click-farmers make use of the Page Suggestion feature, i.e. each time they like a Page FB suggests a new page they might also like to "like". What was once a useful service for discovery for legit users may have turned into the click-farmers' best friend.

http://thenextweb.com/facebook/2014/01/23/likes-lies-perfect...
read the comment about his life in chicago - giving money to bands as one example. he's spent much of his life helping the larger communities around him - php and music are just two that have been mentioned.

We've got no idea what Richard earned, but saying "six figures" can make it sound fabulously wealthy. $999,999 is six figures. So is $100,000. $100k in suburban Chicago raising a family is quite possible, but likely isn't going to leave a whole lot of room for savings. He may have had moderate savings that were wiped out in 2008. He may have had savings and needed to drain those to pay for another medical situation in his family earlier. We just don't know the details.

1%? Hardly. Someone earning $100k might be in the top 10% - http://www.financialsamurai.com/how-much-money-do-the-top-in... - still obviously towards the top, but the phrase "1%" has other "occupy" connotations that simply don'y apply to Richard.
My first reaction was to provide some help for him, I did and boy am I sorry for him and everyone in his predicament. While doing that I could also identify an underlying problem in the way he has to beg for help and how unfair a system like this is to everyone that is suffering from similar diseases, terminal or not.

If Richard and his family would not have to care about the money, this thread could be about nothing else beside him and his achievements.
cause, in Lisp OO is done right ;)
No, this problem is known for long and it is not a real blocker.

See: http://www.coindesk.com/gavin-andresen-jeff-garzik-mt-gox-wr...
Do you have an example? That seems like a howler that surely his editor would have caught if he didn't.
Not sure what point you're trying to make here. The pricing on the medication was exceedingly high, about $200/dose, but as far as I can tell, that is the same price as in the USA:

http://breastcancer.answers.com/medications/the-cost-of-neup...

The cost of the drugs was just picked up by the medical system instead of my pocketbook.

I have seen this argument before; American health care is expensive because everybody else is a slacker who can't pay. It's obviously false. US pharma companies aren't subsidizing Canadian drugs, the Canadian government is. That Canadian drug prices are lower is more a function of the broken US medical system than anything else.
It's a known thing. Look up "software defect estimation".

The methods aren't too dissimilar to how population ecologists estimate the population of a wild animal population (you tag individuals and note the rate at which you're repeated re-tagging the same ones), the estimated total falls out via statistics.

It's not a method that's applied frequently even within organizations (I've worked in and with QA numerous times), and my copy of Cem Kaner's Testing Computer Software doesn't seem to address the matter. Boehm's Software Engineering Economics discusses software reliability modelling at page 181 (Chapter 10: Performance Models and Cost-Effectiveness Models).

IEEE has "An efficient defect estimation method for software defect curves" which looks like it should cover the area, membership or purchase required:

http://ieeexplore.ieee.org/xpl/login.jsp?tp=&arnumber=124539...

"Applying Software Defect Estimations: Using a Risk Matrix for Tuning Test Effort", James Cusick, Wolters Kluwer

http://arxiv.org/pdf/0711.1669.pdf

BUG COUNT ESTIMATION: http://www.testdesigners.com/bugnets/bugcountestimation.html

References Capers-Jones, leading authority in the field.

Many methods start with an assumption that software coding is essentially a progress of inserting bugs into code at a known rate (and there are studies which have established such rates with fairly high levels of confidence). So debugging and QA are then a bug removal function. Knowing what your bug insertion rate was allows you to estimate how many of those bugs you've removed.

That's the theory.
Wow, this is definitely one of the better (if not the best) one of these I know of! Great job.
I'd be more concerned about RH and its own incentives (look at the clusterfuck that's GNOME) than the US Army specifically.
I will give an example, not the general definition.

Consider the function f: x -> sin(x)/x. At x=0 you indeed have a division by 0, and if you stick to blindly using your notation it does not work. The function is not defined at x=0. However you usually (not always) are interested in the function as a whole. Look at the limit from the left, look at the limit from the right. They have the same values, it makes sense just to use this limiting value for the value at x=0.

See https://en.wikipedia.org/wiki/Removable_singularity
When you communicate over the Internet, your traffic will typically pass through some backbone routers.
Ability to debug is really a function of general domain knowledge, "skill" of accessing documentation and/or examples, and good understanding of experimentation. It's difficult to teach, as different coders approach problems in different ways. First, I'll explain what I think makes one good at debugging:

1. Domain knowledge, which I'll consider code that the programmer has either written herself or has otherwise become intimately familiar with, cannot really be taught. But you can at least prepare a bit so you don't get lost in the woods. I think it's good practise to understand the basic file structure of what your working on and, generally, what is in the files you might be working with. More detailed knowledge of code will come through being able to trace data through files. This is not trivial in larger code bases, again, I recommend using notes or whiteboards. This is necessarily lower when you first encounter significant code that is not your own, and people who can leverage their other skills tend to do better before acquiring knowledge of the surrounding code.

2. I say "skill" at finding documentation in quotes because sometimes, good documentation does not exist. But the only way to increase your knowledge of what's happening in your programs is to start figuring out what the components you are using. Generally, newer programmers tend to find that the code they are writing doesn't operate the way they hope because they have made a mistake in arguments or syntax. Examples really help alleviate this. I'm not certain this can be taught very well except for pointing students towards documentation, but good debuggers tend to understand the benefit innately before too long.

3. If you're having problems with code that you think should be working, you need to be tracing data. At each step, you should know what your variables are and what you expect them to be. This is not trivial, and it can be very difficult to determine just where something is going wrong. But this is also the heart of debugging: being able to figure out where your signals are getting turned around.

When you have nothing else, you can just start testing components for correctness and model a cull cycle of your algorithms. I don't think this can be taught, because many bugs are not like one another. After time, you might grow to recognise code that would more probably produce bugs, but I don't think there is a teachable process for finding bugs. Sometimes, things just be broke. But knowing the manner in which things fail, you can find solutions that bypass the sorts of code that cause errors. I'm not saying this is easy, but I'm saying that it's something that you kind of need to learn for yourself.
Amazon impresses me, but the personal culture there seems pathological.

As much as I distrust Google, the people working there seem happy. Not so sure I can say that of Amazon.
https://en.wikipedia.org/wiki/T–V_distinction has some extensive discussion.

The version I heard is roughly that, though I recall a professor blaming it on Cromwell's commonwealth rather than the Quakers (after the commonwealth fell thee/thou went completely out of favor.)
On that note. What about Android?
There's a certain point in historical linguistics where plausibility becomes the main explanation. Usually when asking, "Why did everyone adopt this particular pattern?" Narrowing down a Patient Zero for the "and that's how my mom said it" effect is basically impossible even today, nevermind via combing through records.
Sounds like you're still addicted, just using a different way.
I am certain that the sympy mailing list would be extremely happy to hear more about your use of live.sympy.org. Especially if you have any suggestions or requests.
ha yea I was on english[dot]stackexchange this morning reading through that thread, and I come home and it's at the top of HN
good stuff! where do i download this? [ i couldn't find the download link in the page ]
These are valid points. If I could focus on just one issue of legality, what about insisting that child labor laws are obeyed? I know you could question this on the basis of one person is pro-hunting, another is anti-hunting, so it is subjective. But I think most people are not in favour of child labor. If we could just insist on one law, would this be one that is worth Kiva incorporating? It wouldn't be perfect, monitoring is a problem, definitions of child labor vary from country to country, but perhaps a mild attempt to at least only partner with banks that have a stated policy of obeying local child labor laws with their loans would be a good start? Some microfinance players do have such policies, one of the best is Oikocredit, but in fact many have these policies. Would that be one law that is worth insisting on?
And the answer is ... ?
:-)
Pretty nice landing page
They really out to have a paid print service in addition to the blank cards that come with every pack. Just send them list of cards you want and the color they should be printed on and they automate the printing of the cards. Charge by the card.
interview ... any reasonable employer will understand your leaving for a much better income. If they have a bad reaction, you're also better off somewhere else. After you receive a firm offer, be honest with your current employer. They may take the opportunity to counter. "I'm really sorry about the bad timing, but I'd be crazy to turn down an offer like this."
13 inches isn't that different from an iPad screen. If anything, Apple should stick with 13 inch form factor, but give it a retina screen. I hope they finally fix their screen quality issues too. I had to go through a return cycle last time I got an rMBP.
Fake likes are hurting you. Here’s how Facebook could stop this
It confused me when I asked a native Texan something about what I should do next and she responded with "y'all could [foo]". But there's only one of me? I suppose that technically I am the 'all' of the 'you' that is being addressed?
New Malware Steals Your Bitcoins from Mac OS X
That comment is basically impossible to refute. You can say it to anyone and automatically win the argument, regardless of content. You call me a racist, well, I call you a cheapskate.
Engineering programs are designed to weed people out and give the ones who stay the ability to teach themselves new things. Debugging is an example of one of those new things. If you go to school and have your hand held through the entire process you won't be very well equipped to function in the real world where it truly can be sink or swim.

My Chemical Engineering program was designed around the approach of "give the students homework with no instruction and review the problem sets after they are due". This was tough to handle and weeded a lot of people out every semester yet was a great introduction to working in the real world where a lot of times you have to figure out complex situations with little to no help from anyone else.
3Mbps is 0.20x (of 15Mbps) what he is paying for.
The video of last years one looks interesting
Overly Attached Boyfriend (Funniest Video You'll See Tonight)
this is fucking brilliant!!
tape archive.

list directory contents.

display free space.

gunzip's not posix( though is neither tar or cpio and pax wasn't even in the original).

man(1), intro(2), intro(4), intro(8)

(recursive-documentation? man man)

% man man
For anyone else also unaware, GTFS is General Transit Feed Specification -

"The General Transit Feed Specification (GTFS) defines a common format for public transportation schedules and associated geographic information. GTFS "feeds" allow public transit agencies to publish their transit data and developers to write applications that consume that data in an interoperable way."

https://developers.google.com/transit/gtfs/
I don't fear the rest of the world getting better than us at medicine. Money motivates most people. The best doctors will go where they can get the most money. That is here.

If I had to pick between the UK's system, where price controls help pay for healthcare for those who can't afford it, and the Affordable Care Act, where wealthy people pay for healthcare for those who can't afford it, I'd choose the Affordable Care Act.

Price controls have such a terrible track record that we should prove why healthcare is different from the failures we've seen in housing, food and gas before trying again. Price controls give us less of what we desired so much in the first place.
How to get girls interested in science
Ridiculously hard. Decent concept. Font really hard to read, especially V's and U's.
I've seen some interesting noises out of IBM on this front, though I also remember IBM making noises about inventory management control systems with nuns advertising OS/2, so ... they've been at that a while.

What the Web offers is a way to remove the distance and friction between people and product information: specs and reviews, despite the limitations of both. I've found that numerous stores are pretty good about talking me through what I'm looking to buy, and, if they don't have it in stock, ordering it for pick-up. Often within a day or so. What the store offers is existing relationships with manufacturers and distributors, as well as, well, a storefront in which I can walk in and collect the purchase when I choose to. Additionally, I've got a choice of payment methods, including cash, most of which avoid the various risks of fraud (to both the shopper and merchant) associated with online payments.

There are few cases in which the option of "look up information online, place order through local merchant, be notified of availability, transact payment and pick up product" fails to work for me. For large or bulk purchases, arranging for delivery if necessary.

Better: if on examination the product isn't what I was looking for, or fails to meet expectations, the merchant has a far easier time arranging returns (including, as noted, an existing relationship with the manufacturer / warehouser) than I as an individual have.

Side note: Edward Bellamy's socialist utopia Looking Backward, written in 1887 about the year 2000, is a fascinating read. Some of its predictions are wide of the mark, but what I found particularly accurate, though his description was of an essentially socialist emporium, was his description of shopping. It's almost a perfect capture of the shopping mall experience, minus the advertising, down to the utterly ignorant and useless sales staff. http://en.wikipedia.org/wiki/Looking_Backward
Original article from 2007: http://www.sciencedirect.com/science/article/pii/S0022519307...

and more recent one: http://onlinelibrary.wiley.com/doi/10.1111/j.1420-9101.2009....

via reddit: http://www.reddit.com/r/science/comments/1xkm1x/scientists_f...
Richard Stallman Explains His Position on Google [video]
Out of curiosity, why choose for the name a term that has been around for nearly 40 years and is associated with something very different?
See my reply to markdown for context on his/her comment (if you're not aware).

You should clarify your comment by mentioning what state and city you live in, how much you earn a year, and how many multiples that is of the average income in India, and in your state.

Healthcare in India is operated by the states; there is no national program. Care is not consistent. [0]

In India, can doctors provide food? I'm serious. 42% of Indian children are malnourished [1] - a frighteningly higher rate than the average malnourishment rate of sub-Saharan African countries.

This is but one figure representing India's overall healthcare system (or lack thereof), and unhealthy populace.

[0]: https://en.wikipedia.org/wiki/Health_in_India

[1]: https://en.wikipedia.org/wiki/Healthcare_in_India#Health_iss...
What a waste of time. Their employees and exec team should really pivot into whatever field they want and with that UX and know how they wil nail it.
Mocl: a Common Lisp for iOS/Android
Second person used to be:

Singular----|----Plural

Thou Ye, You

Thee You

Thine Yours

Thy Your

Which correspond to the nominative, objective, and possessive cases accordingly.

By the way, the "Ye" is not related to the "Ye" in store signs that say "Ye Olde...". Y was sometimes used by typographers instead of the Old English letter Þ(Thorn), which makes a "Th" sound, so those store signs should be pronounced as "The Old..."

The usage of "You" instead of "Thou" began in the 14th century. It was originally used in token of respect when addressing a superior, and eventually began to be used when addressing equals.

EDIT: Removed part about "you all", because some things I said were wrong and others I will have to look up.
I had the pleasure of working with Made By Rocket (makers of Concentrate) when I was a senior in high school (I was 17). Living alone in downtown Boise Idaho, working 40 hour weeks for two different startups, and finishing high school, man that was a rough year.
Although it's not my niche, it looks quite interesting and the sample chapter is very clear. Congrats!
Arthur Chu Is Playing Jeopardy the Right Way
A unified control panel to manage all your services – ManageYum
The video of the previous one is interesting