skysight-inc/HackerNews huggingface dataset:
The commercial banking industry has been watching TD Bank for the past few years.

Banks compete in 2 main areas: interest rates and services.
TD Bank has a far better service offering than Citibank, Chase, etc.
TD Bank offers ATM fee reimbursement anywhere in the world, much longer branch hours, free coin counting, nicer employees, etc.
And yet TD Bank is not crushing the competition.
TD Bank's better service offering is not enough of a competitive advantage to offset the stickiness of commercial banking.

A person's main checking account is a pain to transfer for most people. To change your checking account you need to:
1) Wait days for the new account to be approved and initial transfer to clear
2) Wait to receive new checks
3) Reset up your recurring bill payments

The reason that most banks don't innovate is that customers move to better banks very slowly.
No problem. So remember you can add a page and have us notify you when the entire thing has changed. Or you can add a page, click "Show monitored area," click and drag over area you want to monitor, and you'll only be notified when that area changes. So:

1. You'll get an email letting you know that there has been a change with the image in the email.

2. You can sign in and you'll see a where these (0)'s are? Those will have the number of changes that have happened that you haven't seen yet. http://i.imgur.com/fmuqi8B.png

3. You click on that and you'll see the update (only shows scans when something has changed): http://i.imgur.com/t3lxmVN.png

4. You can compare that with the previous scan to see what changed if you haven't specified an area: http://i.imgur.com/VbP3dcu.png

We're adding several things to the next release though including more markup around what has changed, HTML diff, and an API.
Which "it"? The comment I'm replying to says, "Just that there are certain costs to owning a used car that you don't usually incur when owning a new one."

In any case, there's a wide universe of cheap cars (and what exactly is the threshold for "cheap" anyway?) just as there is a wide universe of used cars.
I'm a physics sophomore, and I would be very glad to see more programming, especially FP, integrated to physics courses. During my studies, I've programmed some simulations related to the physics courses I've taken. My main purpose has been to gain a deeper, more practical insight on the subject which would've otherwise remained quite theoretical and distant.

For example, I made a little rollercoaster simulation to demonstrate the power of Lagrangian mechanics and generalized coordinates to myself. On the electrodynamics course I programmed a solver for Poisson's equation using the finite difference method to see a little more than the few simple geometries we calculated by hand. That kind of voluntary activities have greatly motivated me and helped me to understand various concepts.

On some courses we already have some simulation work and numerics in homework problems. Maybe deeper integration of programming into teaching requires time and, more importantly, a driving force and resources behind it. Then, of course, not everyone would be happy to see that kind of integration – I'm sure some would feel like they're forced to learn to program. And, as it has been seen on our entry level numerical physics course, learning programming, numerics and physics the same time is really quite hard.

Given those shortcomings, I still feel this is the way to go for future physics education. A gentle introduction and slowly teaching programming alongside physics would be the key, I think.
I hear you brother. Strange world indeed. I don't use GPG but I am donating some, just to tilt the balance a bit.
That's a fair point. That's definitely redundant.
I think the simplest method would be to consider total amount of donated money.
> I was taught in drivers training (in the US) that if you are able to pull through a parking space so the front of your car is parked towards the road, you should.

My girlfriend and I call that "pulling through" and fist-bump with excitement when we can pull through a parking spot into another so the car's front faces the path of travel eliminating the need to back out. (Almost all parking by us is parallel parking on the street, so it isn't often.)
Photos for Mac Built Using New UXKit Framework
Ask HN: What do you use for viewing log files?
There are so many services out there, both paid and free, for searching, analyzing, and viewing log files on your servers. What do you use?
That's the question, right, how do we find growth?? And my thinking is that economic growth doesn't come from a rise in production, as most economists think. It comes from a rise in credit...basically people/governments wanting to buy what they really can't afford. This pushes up demand and prices and eventually production, and the economy grows. Until the debt service payments become unsustainable, you have defaults and the whole thing comes crashing down. That is why we have cycles.

But you're absolutely right, developed countries need to grow the middle class, and helping Africa, Asia and India get there will create billions of new customers. We've seen a run up in EM in the last decade, and a pull back recently. But the future is there, in Africa, Asia and India. That is where the majority of growth in the global economy is going to come from in the next 20-30 years.
I've owned two FirefoxOS phones, both from Geeksphone - the Keon and the Revolution.

When I first purchased the Keon, running FirefoxOS v1.1 (I think, it was a very early version anyway), the experiment only lasted a couple of months before I returned to Android. The phone crashed a lot. Subsequently, I've upgraded for FFOS v2.1 on the Keon and it's a much, much nicer experience. Everything feels smoother and the phone/applications crash very infrequently.

A few months ago I decided I wanted a big fat screen, so purchased the Geeksphone Revolution. In all honesty, I'm running Cyanogenmod 11 on it, and waiting for Geeksphone to make a FFOS v2.x available, as there's no way I'm going to run v1.3 again.

Even with the 2.x versions of FirefoxOS, I'm still held back by lack of SIP client. I know there are some WebRTC apps, but as far as I know none of these allow calls to landlines or mobile phones. With CM11, I have it set to ask me every time I make a phone call whether I want to use the mobile network or the Internet (WiFi or mobile data, depending on how I'm connected). I make a lot of overseas phone calls for business and personally. I only have a cheap pay-as-you-go calling plan in the country I'm living in at the moment, because I don't know how long I will be here and I didn't want to be locked into a 24 month contract. I don't even need a dedicated SIP app with CM11 on the Revolution. Simply enter my SIP account details in the Settings and I'm prompted each call I make. I make cheap calls, over data networks, very easily.

I also use Telegram for 90% of my messaging requirements. It's reached the point now where I'm quite annoyed replying to an SMS, as it costs me money!

When FirefoxOS supports SIP calling, or there's a WebRTC client which allows me to call actual telephone numbers, then I'm ready to switch permanently. The FFOS user experience is really quite good. I'm not a big app user - email, Telegram, OSMaps and a few GPS tracking apps is about all. FirefoxOS is just missing that one killer feature for me.
"Popcorn Time used to look better than anything legal, so we fixed it"

Fixed what exactly? This site just aggregates info on where you can find a movie and pay an absurd price for it. I already knew that I could pay $20 for a movie. No thanks.
First look: Photos for OS X
15 dollars to stream Nightcrawler, when a movie ticket might cost half that. What am I paying for exactly?
That looks great and has gone straight into my Favourites.

I look forward to you expanding to include the UK!
What about for mutable structs?
The Vast World of Fraudulent Routing
Photos will undoubtedly import Aperture metadata. It's disingenuous to assume otherwise.
> If you weren't getting low interest rates, you'd be getting a better cash price.

Not necessarily. If dealers get a kickback on the financing, they can actually charge less for a financed car then a cash one.
> The kind of "open source" I was talking about is source code that is released under a non-free software license. What do we call that?

"obnoxious".

More seriously, typically something like "look but don't touch", or "proprietary with source available", or "source available under a restrictive license". Microsoft used to call it "shared source", and that term still has those connotations too.

Definitely not "open source", though; that means more than just "has source available".
1. The notion of "local optima" for biological species is ill conceived. The world is complex and extremely dynamic; "local optima" isn't a very meaningful concept in the context of evolution.

2. "Most mutations are harmful" -> this is patently false. A lot of mutations are inconsequential, some are harmful, some are beneficial.

3. "sexually reproducing organisms, theoretically, will decrease their mutation rate over time" -> this isn't true. Mutation rate is variable over species and over time.

4. DNA duplication is a complex biological process with many moving parts. There isn't such a straightforward thing as a "gene that decreases mutation".
> but if you want to build on top of ours, you have to give back

No! Nowhere does the GPL says you have to give back to developers, you just have to give everything to the users (and more specifically to your users), because they are the one with the product and the modifications. If they happen to be upstream developers, then sure, they will get the changes too, but that is not the primary goal of the license. It's all about the user being Libre.
This is great! Thanks for building this!

I use my Roku's universal search to do this now, but I can only use it on the device. Having this function in a website is so useful!

Suggestion: automatically highlight Hulu when I choose "Hulu Plus"
If they plan on doing that as well, it would be better to wait for the more secure and much higher performance Servo anyway. At which point they can just call it Node-Servo.
What exactly is it that you didn't understand about the concept that just because something does not fit into your predetermined categories and classification does not make it any less the same effect or outcome. Not matter what shape, form, or process; your type of slavery, underpaying people for work..... it's all exploitation by different names and flavors.
The original title (which is most accurate) is:
Curry On: Mainstream PL and academic PL should talk more often

This also works (and illustrates that it's an event):
Curry On: Mainstream PL and academic PL should talk more often. Here is a venue.

The overarching point is that this is all about designers of mainstream languages (and industry) and academic languages (academia) coming together.
Why even strong crypto wouldn’t protect SSNs exposed in Anthem breach
No Crunchyroll?
Check out Clarifai. They have an image recognition API. It might be able to help detect people in the photo.
I don't actually agree with this article, but it's interesting, and Bellovin is always worth paying attention to.
I believe FiveStars is another hardware one, if you count NFC cards (or whichever tech they're using) as hardware.
As Larry said during the talk at Fosdem - Lord of the Rings took 14 years to be written too, but it doesn't matter how long something took to write once it's done. That's all in the past.
It's not technically money laundering, but it might be bit coin laundering if the money the he received was ill-gotten.
If creators want to not have a limited right to exclusive use they should be allowed to give that up

They are. All someone has to do is include in it a statement to the effect of 'I waive my copyright interest in this work and hereby donate it to the public domain.' There is no bar on voluntary placement of work into the public domain; it just doesn't happen that often because when publishers write checks to authors they're purchasing the right to exploit the work commercially. Authors could grant publishers limited licenses to do so and then stipulate that the work would fall into the public domain after a certain date, but that would result in lowered payments from publishers, plus it creates an incentive for the publisher to under-market the work or even withhold it from sale, and then publish it once it enters the public domain without paying anything in royalties.

There are some publishers that make good money of just republishing historical works, even without exclusivity. Some people want a good-quality facsimile of an old book. Dover paperbacks springs to mind.
So the article is about... Ripple/Stellar. Disappointing.
> I don't mean everyone should know how to replace a clutch but you should know the basic wear components (filters, belts, lights, brakes, etc) and how to diagnose and replace them.

F..k Renault. Lights on these (especially Laguna front lights) tend to be an adventure to replace. Or every car with the high-voltage Xenon gas lamps.

I was pretty happy with my VW T4, I could tear that car down and reassemble without any problem. With modern cars, filled with dozens of computers, not so. And to make things worse, once one of the computers or sensors breaks or has issues, you'll need OBD diagnosis computers or even specialized computers to diagnose the problem or repair it.

That's stuff for expensive maintenance shops, while I just needed a small garage and a couple of basic tools for the T4 (okay, and a motor crane for lifting out the engine).
Sure but you can easily get a late nineties Torus with 150K for $2000. These easily go twice that many miles while there are later makes that fail much more quickly.

One reason to buy an older used model is that by that time, their average durability has been established. If you buy a brand-new car, you are buying a car whose long-term prospects have only been simulated.

Sure, a new car will have longer expected miles than a used car (and you'll premium pay for that). Your chance of a lemon-experience may be "low-ish" but it may still be higher than the chance of full breakdown with a model that's established its durability.
Yep, a nice example for comparison. How many of you would buy an used car with a million miles on the clock? Weren't anything with less miles available?
Consider the value depreciation of a new car, this will usually be several hundred per month, add more insurance costs, costly servicing (because you can't service it anywhere you want), add financing costs (loan or leasing) and you'll see why everybody wants you to buy a new car. Ten year old car is not really that old, come on, and most of the parts/systems are probably perfectly allright.
I've read differently...

> Yes. On 12-21-12 Amazon notified us that 4 of our files (out of hundreds of millions) were lost due to a bug encountered while performing some sort of migration. 2 are gone forever and 2 are truncated forever. I've been using S3 for several years at Mixbook and Smule before that--this is the first loss I've experienced.

http://www.quora.com/Has-Amazon-S3-ever-lost-data-permanentl...
Well, it's silly to expect even 2% GDP growth over extended period of time: in just 300 years, it would give us almost 400-fold growth. Increasing everyone's purchasing power 400 times would certainly look like singularity.
this is not enough evidence to claim the government is running a torrent honeypot.

in fact, they have no need to, torrents and peers are all publicly available, your friends IP could have been pulled just as easily had he downloaded from any other torrent website.
It's not normally in me, but I'd like to be a little forgiving toward users of GPG and similar infrastructure, particularly money-making BigCos. Open source, particularly reliance on open source by said MM BigCos, is relatively new.

It may not be financial ingratitude. It may be that we just haven't reached a sensible equilibrium between the two symbiotic ecosystems. At some point in the future, "due diligence" might commonly include identifying these sorts of tools, and their developers, and deciding either to not use the tool or to fund the tool's health.
Many cities have Tool Libraries and Lendof Libraries. They are wonderful.
HSBC is also not a competitive bank - they have some of worst interest rates on the planet. HSBC is telling their customers to take their business elsewhere without so many words.
My Grandfather’s Watch – Stewardship and Leadership
Marijuana Industry in Colorado, Eager for Its Own Bank, Waits on the Fed
It's more than a financial decision even for frugal consumers. There have been some significant safety improvements in just the last two years, especially on small overlap collisions and automated front crash prevention.

http://www.iihs.org/iihs/ratings/TSP-List
Good essay somewhat related to this, about being pro-market but anti-business:
http://stumblingandmumbling.typepad.com/stumbling_and_mumbli...
> banks and insurance companies clamour for “numerate” workforce, but prefer to deal with innumerate customers

And, honestly, they also prefer to isolate numerate expertise in a few "cost centers" inside their operation.

Years ago I held a number of bonds my grandparents had bought for me as a gift (and educational tool) when I was a young child. I'd studied enough mathematics that I could derive compounding interest formulas and enough finance I thought I understood the instrument. But the bond values I calculated and the values my bank would redeem them for diverged enough that I wondered.

So I asked if I could talk with anyone at the bank about why their calculated values were different from mine. I wanted either higher redemption values or an education.

I had a brief conversation with a customer facing local officer where I started to explain. It was over quickly; the officer was polite, but clearly uninterested in following (much less enlightening) any conversation about the specific computation of bond values. And very sure that whoever had done it had done it correctly, and that was all that was necessary.
The site looks beautiful and the load time is terrific. You probably shouldn't have invoked Popcorn Time in comparison though because the value prop is totally different. This isn't streaming - it's aggregating. This isn't free - it's very expensive. I think you lose the comparison pretty handedly.

EDIT: Just to be clear, I do think this site offers a lot of value as an aggregator. I just think inviting the comparison to Popcorn Time is a mistake because, to the limited extent that they are comparable, Popcorn Time is better.
AMA Rand Fishkin, Founder  Moz
From the U.S. perspective, NAFTA and GATT are more powerful than TPP would be. Both address NTBs and were negotiated this way.

On top of that, international security agreements like NATO and the Anti-Ballistic Missile Treaty were negotiated this way, and those arguably have more serious import for a nation than trade.
You can make it a good value if you are a diehard car hobbyist, but I concede that this is not most people.

I am still holding onto a 21 year old mid-luxury BMW. I have spent countless hours working on it and probably have $2000 in parts in it (I have owned it for 9 years.) I am grateful that I have the free time, collection of tools and documentation, know some tricks about buying parts, and can figure out machines. I feel that I have obtained a great value considering what it will cost to get a newer car, in similar state of repair, that gives a similar experience driving. I would not enjoy most other car makes.

People buy these German cars for some reason, and the reason is not ever to have a maintenance free automobile, or to never spend time or money fixing the car. You are going to expend some resources one way or another, but it does not have to be mostly money.
“To make maccarons of valentia Almonds” (1655)
They did mention it:

> Pension funds, mutual funds, and other impersonal investment vehicles have rules and formulae they're supposed to be following. To the extent that those rules call for the holding of safe bonds, some bond-buying can simply happen on autopilot.
>There's also a problem with the purism put forth by some of the 'free as in freedom' enthusiasts, most notably Richard Stallman, who seem to gloss over the fact that coders have to make a living, too or who even frown upon making money with software altogether. Software eats the world but even RMS can't eat software.

Here you are saying "free as in freedom", while obviously referring to "free as in beer." Your earnings shouldn't be a function of then number of lawyers you employ (to make air-tight licenses.) That doesn't imply you are not allowed to make money if you have too few lawyers. It implies the opposite, actually.
Not if the interest rate is low.
I think we're largely in agreement about the economic analysis here. However, I do have to ask:

Why do developed countries need to grow the middle class, specifically?

This is not directed at you personally, by the way. It's something that you hear a lot, but that just sounds like hollow polit-speak.

Does it mean making the middle class more well-off? If so, why not actually do something for the lower class? And if the intended meaning is to lift people from the lower class to the middle class, then are people aware that this messages is self-defeating? (Somebody is always at the low end of the income or wealth scale...)
I'm only saying this because I don't want to read about conspiracy theories when this story gets flagkilled.

Nothing personal, and I am not a fan of AirBNB, but I don't care.
I think they mean they made a legal alternative/equivalent to Popcorn Time that looks just as good. Not particularly useful or innovative, but I guess it does look alright.
I haven't used Firefox on Android in quite a few months but last I checked I hated the rendering performance compared to Opera Classic or Chrome. I would double tap or zoom in and it would still take a second or two to render that zoomed-in image. It was quite frustrating. Granted, it happened on a lower-end phone then, but wouldn't happen on the other browsers.

Firefox with Servo looks fantastic, though, and from their roadmap it seems Servo will be coming to mobile first, this year. I'm really hoping for a multi-process highly parallel completely rewritten in Rust Firefox within the next two years.

http://www.phoronix.com/scan.php?page=news_item&px=MTgzNDA
I read the thread.

fnordfnordfnord is clearly correct.

Justifying putting someone on a terrorist list by the accusation of an assault happening is just ridiculous, which is precisely what you did.

But you haven't answered why you spend so much time sprouting this kind of utter rubbish on all these threads. How many posts did you make on this topic alone?

What is your motive. You just want to spend hours defending the USG with obvious garbage like this out of patriotic duty? Is that it? What is it?

Keep on downvoting, it doesn't change the content.
Yup, that's why I said except on some newer cars. Headlights were what I was thinking about too. Even some non-HID headlights have become a real pain to replace.
I just got a job offer for less than I asked for, now what do I do?