skysight-inc/HackerNews huggingface dataset:
I don't see how this can make financial sense. 3% for 20 years totals 60% of one year's salary (or the average salary over your first 20 years in career). Average salary is $48k, so that's paying back $29k.

... however it's actually even worse than this meager sum:

- Salary increases over your lifetime, and the highest earning decades are 40s and 50s, so I the average salary over the first two decades is probably lower than $48k. Maybe this is mitigated by restricting to only people who at least attempt college?

- Oregon has a slightly lower-than-average income.

- People are more likely to sign up for this program the less they think they'll earn.

- Once someone has graduated, they are not incentivized quite as strongly to pursue high salary positions.

- Some loss due to deaths, defaults, emigration, black market off-the-books income, etc.

- Depending on how it's set up, this may cut into the tax revenue to the state.

- It doesn't take into account inflation or the time value of money.

I understand the point of the program is a social benefit to the state, but I think it's useful to examine the reasonableness of the proposition in a market context. If someone offered you a bond to take the other side of this deal, how much would you pay for 3% of the first 2 decades of income of a hypothetical freshman entering college this year? What about a 1/1000 share of a portfolio of a thousand freshman?
I'm not in favor of defaulting on loans. But having bad credit doesn't necessarily destroy your life. I've never taken out a loan in the past 17 years, yet I've bought several cars (including one new). The only thing I would need a loan for would be a house, but being single and with property tax in my area at 2%, I'd rather not.

> Why? By the end of the second year of a salaried job I would be highly surprised if that shitty credit score hasn't fucked up your life in at least one major way.

She was having trouble getting a job as a waitress, I think she did not see the scenario of the salaried job you speak of as being relevant to her.

> People want to buy shit, often-times shit that's more expensive then they can currently afford, it's why loans exist.

I know it's not popular these days, but one can actually limit oneself to things you can afford. If you do that, you don't need a loan, and hence, bad credit is irrelevant. And if you have a habit of buying things you can't afford, bad credit is in your future...
Please, not this thing about defense spending again ... you could feed and clothe them many times over, for many generations, with all the entitlement spending ...
If you don't need to buy a house or finance a car, living with bad credit isn't super horrible. It can be quite inconvenient, and more expensive overall though.

Cell phone plane? Yeah, you're on pre-paid. Have fun paying double (although this has been getting better!).

Electric/gas/internet hookup? Well, in most (all?) places in the US, the gas/electric/phone company are required to serve you but probably will require a deposit of a few hundred bucks each. Cable might be a crapshoot - probably the same deposit deal though.

The real issues are finding a place to rent and getting a decent job. Almost all decent jobs require credit checks now, and that's a travesty.

So yeah, if you have money it's not too bad. I lived with horrible credit (defaulted on some small credit cards and a lease after I lost a job) for quite some time, but I also happened to be in a career that after a couple tough years I was making enough that the lack of credit wasn't really something that I worried about.

Now I have good credit, and really the only major difference so far is I qualify for credit cards with perks. I have yet to buy a house, and I buy my cars cash.
It's not just for the benefit of hotel owners. Cities typically charge huge taxes on hotel stays, so illicit hotels are dodging taxes. And there are actually some vestiges of regulations directed at protecting consumers from hotels that are firetraps, lack adequate ventilation, etc.
Somewhere inside you is something that misses the Webbers. Every night under the bonnet, day in the rain covered in oil and every bizarre breakdown (the rotor disintegrated again?!) was worth it for the induction notice, smell of warm oil and exhaust note... I think... Tuning Strombergs is another dark art.
It looks like it says there are enough cases where libraries crave two multiplication operators, elementwise multiplication and matrix multiplication, that it makes sense to add an operator to the language.
Hm. More accurately put, where land is expensive, the problem isn't cheap structures.

Or even more simple, nobody is complaining about the cost of materials.
Well that was disappointing. I was expecting more sexism and less crazy founder wife.
What people don't understand is that these programs shouldn't be available. These loans are made available/subsidized by the government when they wouldn't normally exist. They wouldn't exist because they don't make financial sense. No private entity would give millions of students tens of thousands of dollars or more to get mostly worthless degrees. The subsidies blow tuition prices further higher every year. They put students into horrible positions of massive debt and into the bad job market. The students were told by counselors and parents and government that taking out massive loans was alright, the government is paying for them. It's a huge mistake. Student loan defaults are at record numbers. Tuition at record prices. Hopefully these loans will NOT be available any more. It's not her fault for being unable to pay them back. She was tricked into accepting them. Now the taxpayer pays the bill. Then you have people like the current president of the United States trying to say that every person should have a degree. It's a disaster.
Bingo!

These collection agencies purchased the loan for a fraction of their value (if paid according to the terms).

I'm guessing each collection agency has their own strategy for collecting on the loans. One of them says "we'll end up with more in the end if we don't charge interest" and the other said "we're owed interest, let's collect it".

I would imagine the first strategy (no interest) has the benefit that the person making payments can actually watch the debt decrease over time. It might make them more interested in actually paying the whole thing back.

If a collection agency says "you owe us $100K and next year it'll be $110K" you might just not bother paying anything since you'll never be able to get ahead of the interest.
Accept my accept-language
There seems to have been easily enough sexism to have been a problem, but yes, it did sound like the founder's wife was the bigger problem.
If it cut the ignition and effectively bricked the car the 303 dead and their family and friends would be pretty stoked right now.
What do you mean by z-axis movement?
So that's why they did it. I just received an email with the "good news" - SkyDrive is now OneDrive! - and rolled my eyes.
Sometimes that does happen - interviewers can always provide feedback that they think someone should be jumped over to a different track and re-interviewed.
Why would I use Whatsapp instead of an email app like Gmail, for example?
I agree that those things are part of the problem. People take too cavalier of an attitude toward college and its expense, and they over value the education they receive as well. I agree that more people should consider vocational training, it's a shame that our culture denigrates such jobs so much that people are discouraged from pursuing them.

But on the other hand college costs are becoming more and more unsustainable even as college is becoming more and more a requirement for well paying jobs. It's easier for her grandmother to say that one shouldn't borrow money that can't be paid back with utter certainty, she lived in a different era in every way. An era where it was not only possible but easy to find well paying work if one was reasonably smart, capable of being educated on the job, and a hard worker. Even two decades ago it was reasonable for a middle class family to pay college tuition for their children out of pocket without going into debt.
I'm not defaulting, nor am I even suggesting anyone else default. I'm countering your incorrect argument that undermining the US student loan programs is a negative consequenece of default.

In any event, I don't share your simplistic views about the morality of doing so. Anglo-American law actually favors breaching contracts when it is efficient to do so. Also these particular contracts are made in a predatory fashion, they are contracts of adhesion between the most powerful entity on the planet (the US government) and naive 18 year olds.

Try to worry a little less about your sacred honor and a little more about your fellow human beings. That's what's morality should be about.
Arithmetic with Instaparse
The "crazy questions" there are completely wrong - Google interviews do not contain questions like these (and any interviewer that tried to use them would be run out on a rail).
Earlier I thought I wanted to know more about the situation. That was wrong.
Anonyfish – Chat Anonymously With Another Secret User
Something that not many people realize: interviewing is a skill that can be practiced and directly improved. The more interviews you do, the easier they get. You can also do dry runs - even just grabbing yourself a small 20" whiteboard and writing code and diagrams on it helps.
Prisoners 'could serve 1,000 year sentence in eight hours'
$ pandoc -o out.pdf README.md
> I've also learned that having a monitor that has the correct dpi ratio verses screen resolution verses screen size is more important than cramming the most number of pixels into a specific screen size. Especially if you want to avoid eye strain.

Definitely. The "retina" fad of higher and higher resolutions, combined with bigger screen sizes, means that you can get plenty of tiny text on a screen, but that doesn't mean you can comfortably read it at a good viewing distance. So you turn the font size up... and wonder why you need such a high DPI since you'd just be seeing the same amount of text as before.

I prefer multiple monitors over one huge one, since I can position them so they're all easy to see and a relatively constant distance from my eyes (i.e. in an arc). One huge flat surface means that looking at the corners requires large head movements since that distance increases much more.
Or I hack a legitimate user's AirBnB account. Pretty much any one.
IETF Technical Plenary: Bitcoin and Internet-Scale Payment Systems
The process itself is essentially identically whether you're on the SRE-SE or SRE-SWE track. The specific topic areas focused on will vary slightly, but the process is the same.

(SE = Systems Engineering, SWE = Software Engineering. People hired from both tracks wind up doing the same work; it's mostly just about what background you're coming from.)
> My first engineering job was as an anti-spam researcher.

Was it at Japanese megacorp?
Netflix streams to plenty of machines without a "TPM". Like Macs.
Rand Paul and Berkeley: libertarian and leftwing hotbed find common cause
Sigh. And who are you going to inspire to study physics with those dry facts? :-) I wasn't going for depth here, shire could just goto google scholar or a decent physics library and follow the citation references off of Dr. Hawking's work if they want to pursue this in depth. I was shooting for a bit more pizazz than that :-).

It is a solid point though that the tidal forces on the event horizon of a really big black hole would be minimal. You'd be just as dead though. But I stand by my assertion that "Something pedantically accurate like 'nothing alive'" would be pretty boring and not really convey the interesting aspects of gravitational theory that result in singularities on what most folks consider "normal" space-time.
Until there's a second side to this my GitHub use is not going to continue. Sad to see this happen, but it's not hard to change origins on my repos to BitBucket or Gitlab.

edit: and again, it's two commands to push my repo back. but i have no interest in being with github at this time
I use several Google products, daily. I also eat food Kraft's foods daily. I also use Comcast every hour of every day of the week. I'm not pining over a job at any of these companies.
If they disassembled furniture, I'd guess there was also physical damage to the property. Also, the blogger is probably uncomfortable keeping stuff used in the sex fest.
There are three ways in which it gets brittle:

1. Suppose we have a model object with 10 properties, which you want drawn on screen. Following KVO pattern you would set values for 10 labels during [viewWillAppear], then you would signup for KVO 10 times, then, in handling KVO notification, you would update one of the 10 labels (10 different update code paths), and then you would unsubscribe from KVO in [viewWillDisappear] and/or in [dealloc] also 10 times. Adding a new property, you have to add code in all of these place, and failing even one could have disastrous consequences - inconsistent data display or a crash.

That was a simple example. Now consider a more complex example:

2. Suppose we have a class Person with firstName and lastName. Now if you signup for KVO for both of these, and I perform a legal name change for that person from "Bill Smith" to "Jane Doe", you will receive two notifications. If you're sending out a welcome email, you will end up sending two emails, one of them for nonexistent person "Jane Smith". KVO notifications expose inconsistent data. You could rectify that problem by creating a method for changing both first and last name at the same time and managing notifications carefully, but then all the elegance went out of the window - you're doing your notifications manually.

Now for a really screwed up situation:

3. Suppose we have the Account class with a list of bank transactions. Separately, we have a Person where you display the person's total wealth as result of those transactions. Normally, I would start by computing the account balance each time on demand, but let's say that computing is expensive and we want to persist/cache the result for speed. To keep the Person.wealth up to date we sign up for KVO notifications for Account.transactions and recompute the balance. Now your UI component is hooked to KVO-observe both the list of transactions and the Person.wealth. I post new transaction, and you get two KVO notifications - one for Account.transactions, and one for Person.wealth. But you get them in random order! You might get the Person.wealth notification before transaction notification, or you may get them in the opposite order - exposing inconsistent data (transactions would show the transaction, but wealth will show the old balance because it didn't receive the notification yet). And unlike the example #2, there is nothing we can do to fix this, because the conflicting data is in different classes.
Is there any indication why?
No romance at all. :-)
Agenda:
Reporting (IAB Chair, IRTF Chair, RSE and RSOC Chair) - 20 minutes

ITAT Workshop Report, Eliot Lear -- 10 minutes

Technical Topic: Payment Systems

"Internet-Scale Payment Systems: Ecosystems & Challenges", Malcolm Pearson (Microsoft China) -- 30 minutes

"Identity, Payments, and Bitcoin: Big Changes Ahead", Steve Kirsch (OneID) -- 30 minutes

Q&A - 15 minutes

IAB Open Mic - 15 minutes
> So until there is some transport layer that can do 8K at 120Hz, we're taking a step backwards

Author here. I certainly do want 8K (or even more) on the desktop, but I disagree that the current crop of 4K displays are a step backwards versus recent history. Until these displays became available, we had a 7+ year stagnation where 2560x1600 was the pinnacle of semi-affordable desktop computing displays. Finally, after this years-long agony of lethargy, we have vendors selling televisions that in many ways exceed the capabilities of our desktop monitors.

I write this comment from my home workstation, which is equipped with three Dell U3011 30" monitors. I love these monitors. But each of them cost me $1,100 and that's the same price I paid for my first 30" monitor several years prior, a Dell 3007WFP. The pricing is asinine. But because I am satisfied with this configuration, I'll be waiting for a 60Hz 4K for my home workstation. If I were using a lesser configuration, I'd seriously consider dropping $500 (or at times, <$400) at Amazon to get a Seiki to tide me over until the second or third-generation 4K displays, or better, arrive.

I think you and I agree on just about everything except that point. I rejoice that there is something stirring in the display industry, even if it's coming from the television side of the aisle. I hope the display manufacturers feel encouraged to move as rapidly as possible on the desktop computing side. I'm trying to get the message out to them in my own way. :)
> Amazon executes streaming content as well as anyone else

Here on Windows 8, their Silverlight player doesn't even start properly - it plays the first second or so, freezes, then jumps back to the first second again, repeatedly. The only workaround I've found is manually seeking to the first minute of the video.

And of course I have no alternative player. With Netflix I get a choice of (working) Silverlight and Metro, and most importantly it also works on all five of my Android devices. Amazon demonstrably do not execute it half as well from my perspective.
Wouldn't a 1920 x 1080 display of the same size be more suitable then?
I wish I could upvote you twice. The beauty of HN is the shear quantity and quality of comments that result in a TIL moment.
Isn't it better to wait until all sides of the story have been told?
This could never happen a hotel room.

Hotels are staffed and better prepared to deal with such situations.

Also if a hotel room gets trashed, that's just a business expense. Most people don't have their bed bolted to the wall, and tend to have nicer furnishings and appliances, etc, than you'll find in a hotel. Ignore the value even: we're talking someone's property, someone's life. If a room, a floor, or even the entire hotel gets shut down due to destruction, it's inconvenient and an expense. If I get evicted, that's a crisis, at least for a time.

The "OMG! DISRUPTING!" crowd seem to hand-wave these situations away, as if destroying "evil" business models is far more important than the impact it has on individuals. If someone's life is ruined 1 out 1000 AirBnB rentals, that's too often.
hahaha unbelievable
Not to mention that when this does happen in a hotel, no-one ends up evicted over it.
But building physical protection against attacks like the Metcalf transformer shooting would be expensive

Walls are not expensive. I don't think that anyone engaged in a systematic attack on the distribution network is going to be particularly deterred by the threat of prison, given the potential strategic payoff.

A large-scale blackout plus an attack on the only factory that makes those large transformers has the potential to cripple Us industrial capacity for weeks, if not months.
If allegations of non-employee/founder wife scenario is true, I would hope the board shows said founder the door. Beyond being in bad taste, it's exposing the company to some serious liabilities...
1) hotels don't use keys. The dodgy hotel guest can be shut out with the stroke of a key at the reception desk computer.

2) when things go wrong, hotels have staff on hand to deal with the situation.

3) hotels have insurance for when things go badly wrong.

All of these things cost money, which is partly why hotels are more expensive than AirBnB. The author assumed a lot of risk when subletting through AirBnB and is now complaining when the risk went wrong. I have very little sympathy for him / her.

The people I do have sympathy for are fellow residents of the apartment block, who had a reasonable expectation that their building wouldn't be turned into the site of a free for all sex party. They didnt get any say in this, and didn't receive any compensation. That is unfair.
You can buy insurance for absolutely anything you can think up (Mir space station hitting a target in the middle of the ocean). Of course it wouldn't be economical to build a custom insurance product for a one-night stay in an AirBnB, but the use case is general enough to probably justify an insurance product.
I'm amazed it has taken so long for something like this to happen. It's almost worse than MethBNB. Does it happen more frequently but AirBnB just quietly pays out? Or is my perception of how horrible 1% of the world is inaccurately calibrated?

Hack AirBnB accounts, until you find a nice renter who has a place with (presumably) nice stuff who will hand off keys to you without physically meeting, then clear it out, or destroy it like this, or something else. I'd be assuming that would happen 1:1000 rentals, but maybe that's paranoia.

Still, while I feel sorry for the renter here, I feel even worse for his landlord and neighbors, who should sue him, and get part of that $1mm.
My gut tells me there was probably sexism at GitHub, drama with founder's wife, AND she was probably not blameless either in this whole mess. It was disheartening to me to see people rally to her on Twitter and immediately cry for the sacking of GitHub before any facts or concrete allegations were made by anyone involved, her especially. That's the stuff angry mobs are made of.
1. What part of the article above would be considered hearsay? Aside from the screenshots, it feels the least bit gossipy.

2. Right to confront accusers? This seems extremely one-sided. No one she blames gets to defend themselves, where are the witnesses on either side?
The likelihood she's lying is next to zero. You don't really make these things up...
Towards the end (of the article), it sounds like she was just going to 'quietly' exit the company, until someone (apparently) rage-posted some disparaging remarks about her leaving the company (prior to it becoming public knowledge). Now she wants to leverage public opinion to get Github to take some action... supposedly.
Time To Meet The Inscrutable Satoshi Nakamoto [Picture]
That, or slap the affiliate ID for Twitter on the URL.
I cannot determine if your comment is in earnest, or if it is an attempt to create a parody of a comment that a sexist asshole would post.

Honestly, I cannot tell.

Now I do believe that if society made it acceptable to just outright ask, with no hard feelings either way "hey, want to go out?" that everything would be better.

I guess my point is that I see the quotes you put forth as being ridiculously extreme examples of what would exist in the minds of only the most lowly of savage males.
So a 20% average lower salary for women compared to men (and even lower for women of color) is...just a figment, right?
I'll admit that it's a bit gossipy, but in other circumstances, you likely wouldn't be calling for 'witnesses on either side.'
Check out https://infotomb.com/ - these guys promote themselves - "Share files securely and anonymously." and "Your data your way". Might be similar value offering.
According to the article, she did this because she was being anonymously, publicly slandered on Secret.
Chernobyl disaster: the new "sarcophagus" is expected to be ready in 2015
The address in question is an extraordinarily expensive building. Also, if someone does something like clog a bathtub and leave it running, water damage or something similar can easily cause hundreds of thousands of dollars of damage to any building.
Alibaba Said to Plan to File for U.S. IPO as Soon as April
Hey, sorry, my wording was a bit stupid there.

What I meant by under the table wasn't "without taxes", but rather "without your landlords consent/against the terms of your lease".

Sorry about that, the understood meaning of under the table is definitely "without paying taxes", so 100% my fault.

AirBnB does pay federal and local taxes, when the state gets on them to do so :).