skysight-inc/HackerNews huggingface dataset:
There is almost no connection between the CRA and the financial crisis. The crisis was caused by bad loans that were privately securitized and sold as highly-rated securities. The bulk of that work was done by investment banks, which were not subject to the CRA. And the bulk of CRA loans were not securitized.

Securitization and rating was the heart of the crisis. Mortgages fail all the time, and banks know how to deal with that. Failing mortgages are not enough to cause a financial crisis.

Investment banks realized that they could package low-quality mortgages into securities, and the securities would be highly rated because of tranching. This created a race to create as many mortgages as possible, in order to reap the profits from the securities sales.

It was this race for mortgages that then drove down underwriting standards among private originators--not the CRA.

The structure was strongly pro-cyclical, because when mortgages started failing, they ate away at both revenue and capital simultaneously. Falling revenue is ok if there is enough capital to cover it. But since the capital was made up of the same bad loans (now packaged as securities), the safety net frayed just as fast as the tightrope did. Result: crisis.

Also: a defining characteristic of "black swans" is that people assert after the fact that they were actually predictable (as you are now).
And what about those environments where only IPV4 is available, as specifically addressed in this article?

There are lots of overlay networks, are those all hacks too?

>Except now you have to manually add addresses (static IPv4 addresses!) of the hosts in the route table?

This does not appear to be true at all, based on the configuration that's posted at the bottom of the article.
Was the first thing that came to my mind when I saw the title :)
I'd like to see a better explanation of how this compares to the various Flannel backends (https://github.com/coreos/flannel#backends), and also how this would be plugged into a Kubernetes cluster.
From the article, in bold:

The really exciting point comes when we can re-run all this analysis, basing it on actual job performance, rather than interview results
Why? Because a lot of folks have bet more than just the farm. Their life savings, their careers, reputation, personal relationships, their health - everything for their respective ventures. And business, like always, remains brutal.

Not lately, always.
Is Reddit still run to be profitable? It always seems like it fits more with a wikipedia type model of donations etc.
They said they would be correlating that at a later time. This is the beginning of what will hopefully be a much larger study.
> don't care that only pennies of that actually goes to the artists

This isn't a problem with the streaming services, it's a problem with publisher contracts. Streaming services pay out 70% of their revenue but publishers take the majority of it.
Fuzzing Project, Debian Reproducibility Funded by Core Infrastructure Initiative
> options = { a: 'b' }
> { c: 'd', options } # => { :c => "d", :a => "b" }

> I don’t know when this is useful.

Ah! When I was learning Ruby after being a long time perl user, this was the one huge missing feature that I longed for. Perl splats automatically (you have to use refs if you don't want it to), and that leads to nice option construction:

@opts = ($some_flag1 ? (option1 => $some_flag1) : (),
$some_flag2 ? (option2 => { a => 1 }) : (),
$some_flag3 ? (option3 => [ 1,2,3 ]) : (),
$some_flag4 ? (option4 => [$some_flag4, 1]) : ())

But it was annoying in Ruby. The best way I found previously was with a bunch of chained .merges, one for each option:

opts = {}.merge(some_flag1 ? {:option1 => $some_flag1} : {})
.merge(some_flag2 ? {:option2 => { :a => 1 }} : {})
.merge(some_flag3 ? {:option3 => [ 1,2,3 ]} : {})
.merge(some_flag4 ? {:option4 => [$some_flag4, 1]} : {})

Ugly and verbose compared to the perl (which is usually not the case in perl vs ruby). This new syntax allows for:

opts = {**(some_flag1 ? {:option1 => $some_flag1} : {}),
**(some_flag2 ? {:option2 => { :a => 1 }} : {}),
**(some_flag3 ? {:option3 => [ 1,2,3 ]} : {}),
**(some_flag4 ? {:option4 => [$some_flag4, 1]} : {})}

Which looks only marginally better, but allows nice things like interleaving optional and non-optional arguments:

opts = {**(some_flag1 ? {:option1 => $some_flag1} : {}),
:option1_related => "xyz",
**(some_flag2 ? {:option2 => { :a => 1 }} : {}),
**(some_flag3 ? {:option3 => [ 1,2,3 ]} : {}),
:option4_related1 => "xyz",
:option4_related2 => "pdq",
:option4_related3 => "abc",
:option4_related4 => "123",
**(some_flag4 ? {:option4 => [$some_flag4, 1]} : {})}

That's quite nice.
I think it is more communication and management of expectations than anything else. They opened the pre-release FB group, and not much was posted for weeks. This first release gives no clue as to when the React part will be available (other than "soon"). I cannot complain, or be disappointed, because they are sharing a great product for free. A roadmap with some estimated dates would really help keep the anxiety down :-)
You're replying to someone who has strong opinions about sugar.

https://news.ycombinator.com/item?id=8343010
Thanks for the feedback! Could you possibly send me a screenshot of how it looks on your screen? My email is in my profile and also on the OP.
http://codepen.io/anon/pen/VLrppy
Author here. I'm curious, did you click on the "Robert Pirsig" link?
As I understand, there is no such thing as a singular FICO score.

FWIW Recently went through a refinancing process. Two of the bureaus had slightly different score. However, both were similar to what CK had.
I assumed it was just a quick summary, but yeah, I'd love to see more data too.
The main reason I won't use Google Music is the lack of playlist folders. There's no way to organize playlists, and the player becomes quite unusable if you have even a few dozen playlists.

I'm surely not the only one who likes making and sharing playlists for different moods and occasions. It would be interesting to know why such a simple yet important feature is missing.
It still communicates through my network. My router/firewall/etc sitting in between my network and the Verizon ONT can do packet captures on all traffic going through it.

I can tell exactly when when the Echo is and isn't listening
I like that idea, that dilution strengthens rather that weakens. Comes down to what's really important to a culture, and what's incidental. And fear of change. A much healthier attitude than 'resist change at any cost'.
It seems like they're only evaluating phone screen methods against their pre-designed coding interview problem? But what if there are issues with that problem?

There seems to be a big assumption that "our programming questions are going to be good and predictive, even if everyone else's are bad." What if being able to describe in-depth a past (real) project correlates just as well (or better) to on-the-job performance as being able to design and code one of their artificial ones? Or what if those artificial ones just don't correlate that well with on-the-job performance in the first place?

It is definitely harder to BS-detect/grade, though.

They want to re-run against actual job performance in the future, that's nice, but it seems like they're throwing ideas out awfully early, then.
Does FICO even matter anymore? I remember they changed the algorithms over the past few years and I think the banks have their own scores that the public don't see. I really just use my FICO & credit report as a ballpark figure to see how banks look at me, and to check there isn't identity theft or other shenanigans going on.
Is this a long winded rant about the link between prime numbers and group structure (which shows up all over physics as symmetries and the like)?
Thanks. URL should be updated for this post to avoid blogspam.
As Fred says, the Fed has been telegraphing their rate increases for a while, which means that the market has largely priced them in. For example the market basically did not react at all to Yellen's press conference last week.

The whole point of the Fed deciding to raise interest rates is that it means that the Fed believes that the economy is strong enough to start removing fiscal support. If they are right, then there should actually be not a huge effect on valuations.
Ha, awesome, hopefully this takes any wind that was there out of Apple's sails(and sales), heh. Once again, Apple puts out a feature 5 years late and is praised...
Here's the part that really seems to matter the most.

This does create some danger of circular reasoning
(perhaps we're just carefully describing our own biases).
But we have to start somewhere, and basing our
evaluations on how people write actual code seems like a
good place.The really exciting point comes when we can
re-run all this analysis, basing it on actual job
performance, rather than interview results.

Absolutely. Results on the earlier screens and results on the later interview aren't exactly independent variables, and neither is the one that really seems to matter - subsequent on-the-job success. There are all sorts of biases and confounding factors likely to be shared between them, especially since there's no indication that the later interviews were even done blind w.r.t. the earlier screens. Until then, we're just measuring correlations between different interview techniques, and it should be no surprise that two different kinds of code-focused interviews show the highest correlation.
Not many of those have professional careers in STEM, law or medicine, the "highly qualified" potential immigrants in question.
javascript is a much more debuggable language than vimscript and there is far better tool support for it.
I can see that that would be interesting information to have, but why is it absolutely necessary?
Please don't write comments whose sole purpose is to single out the gender of the author of a story.

Edited
Will do thank you.
Even so, an automated quiz that could predict with high confidence that someone would fail an interview would be a big win, saving both interviewers and interviewees a lot of time.
I am reasonably sure the followup comment is sarcasm, mocking the incredulity of the parent comment.
Hey! Author here. Yes, we did not know that the screening steps were meaningful, so for the first 300 applicants, we interviewed everyone, even people who performed badly. We then looked for correlation between screening step scores, and programming interview results. Doing well on the fizzbuzz problems was not very correlated.

By dropoff I mean people who left during a step, and never logged back into our site.
>Yeah, by no action I mean no substantial action that would seriously increase developer revenues like trial versions without hacky in-app purchases

Actually in-app-purchases quickly became the preffered monetization methods for tons of games and other apps (photo, office, etc), and made lots of developers lots of money.

As for "working app discovery" that's a pipe dream. There are > 1 million apps in the store. The developer has the responsibility for making it known and doing his marketing. Apple's Top Lists and Picks will always be cherry picking from a very small percentage.
I didn't read the part wher he mentioned hydrogenetad oil.
We specifically took out the word "Why" because (a) it's a standard link-bait trick and (b) it's misleading—they don't know why.

"Heart disease" is surely a legit way to refer to coronary artery disease and heart attacks. I can't figure out a way to fit "diabetes" in the title while keeping it accurate and readable. Maybe someone else can.

I'm going to detach this subthread and mark it off-topic now.
There's no global currency alternative to the dollar inbound in the next 20 or 30 years, including the Euro, Yen or Yuan. None of them will replace the dollar's global reserve status over at least that time. China's rise is already over, so the Yuan goes in the Yen box of being absolutely no threat at all. The Euro is more likely to break apart than threaten the dollar standard.

Raising interest rates will make the dollar stronger, and will draw capital to the dollar and away from weaker currencies such as the Yen and Euro. What it won't do is pop/harm the dollar in any manner.

The primary risk to the dollar from raising interest rates, is to the US Government's finances, the cost of its $18 trillion in public debt. The US, unlike most major economies in the world, has some spare taxing capacity. In net, the US can afford to pay higher interest on its debt through higher personal income taxes, as necessary.
Author here. OP isn't exactly the best link to start reading about this project. Please check out http://github.com/akkartik/mu#readme and tell me what you think.
This is my favorite feature of the service (Spotify has this, as well). The best part is you can pin a playlist and it auto-updates when you add songs. When I'm going out of the country I'll create a 'Trip to XX' playlist, pin it, and then over the days/weeks leading up to the trip add things to it. The app auto-downloads as you do so.
It would actually be a great experiment to create a new libertarian nation which could let in everybody who is willing to contribute (work/business experience/bank account statement as proof) and see how that turns out. Something like a new US/Singapore started from a fresh slate.
My wife is in this position now, and it's not for a programming job. She works in pharmaceuticals, in pharmacovigilance & risk management. She does a lot of data analysis & writing (the latest report she wrote for Health Canada & the FDA was 461 pages).

A company she's interviewing with asked her to do a sample writing task as part of her application/interview. She hasn't decided whether it's worth it or not. For someone who has 15 years experience in the field, excellent recommendations and credentials, spending (her estimate) 12-15 hours doing pro bono work just to apply somewhere is ridiculous.
Simple trampoline implementation for stackless recursion in Java
Yep, thanks. I've updated the examples to use `http.Error(w, http.StatusText(500), 500)` instead.
I've done over 1000 interviews and my experience agrees with their findings that talking about a project is not a good predictor of coding. I usually left detailed resume questions for the end since so many candidates would bomb the coding part of the interview.

I'm surprised they didn't get stronger results from fizz buzz, but I noticed among the candidates I saw that the percentage of 'non-coders' is substantial but not a majority.

One thing missing from this investigation is a measure of solution quality. A good portion of candidates who actually finished coding questions with me ended without thoroughly understanding how their code worked and/or had code that would be hard to maintain. Other candidates would write top-notch code but were unable to explain their thought process to some extent. These are critical pieces to the interview that contribute much more 'color' than 'score' and are important to note.
I'd gladly switch to this service if they didn't count it against my data allotment in Project Fi.
Unless you're making gallium arsenide cells, solar panels don't need rare earths. They're used mostly for motors.

As for rare earth mining, the US is way ahead of China in rare earth mining technology. Molycorp's Mountain Pass, CA rare earth mine is now in full production.[1] No more tailings ponds. There's a big back-end process to recover most of the water and solvents. There's a large amount of solid waste, but it's basically what was in the ground, minus the good stuff. Even the Sierra Club is grudgingly satisfied with the project.[2] The China producers have had to cut their prices drastically to compete. Molycorp is now struggling financially, and increasing output.[3] Not clear who will win, but right now there's a glut of rare earths.

[1] https://www.youtube.com/watch?v=id8hDUT5nHQ
[2] http://www.desertreport.org/wp-content/uploads/2011/03/DR_Sp...
[3] http://www.forbes.com/sites/timworstall/2015/03/23/what-60-m...
Running Mac OS 7.5.5 on Apple Watch
>Without apps, Apple has nothing.

Actually Apple managed to make the iPod a huge success, and the iPhone for the first year too, without any apps. They built a market of billions without any apps. Only then did apps appeared with the first SDK.
Now Insping free plan includes webhooks and SMS Alerter, credit goes to zapier
I had the same thought as soon as I read the HN title. Even NerdWallet is supposedly valued around $1B. I guess we need to get used to the new normal of billions of dollar of valuations.
They will raise rates very slowly this time. Greenspan even admitted that jerking the rates up was partly to blame for the 2008 crisis. They put rates near zero, then jacked them up a few years later. Then had an oh-shit moment and dropped them to zero.

https://en.wikipedia.org/wiki/Federal_funds_rate#/media/File...

Mortgage rates follow but don't match the fed funds rate. Home prices vary inversely with interest rates. Falling rates generally mean rising home prices. So with rates near zero, there is only one thing for housing prices to do - fall when they raise rates. The only hope is that inflation will balance the fall in home prices caused by raising the rates. Otherwise, prepare for crisis part II.
Author here. We do do the interviews blind to earlier screening results. That's clearly vital. But you're totally right that job performance is the real thing that matters
I've never, ever heard of any Federal, State, or local governmental agency suing a sponsor to enforce an affidavit of support.

I'd be interested in knowing if anyone else has.
> In our first 30 days, we've come up with a replacement for resume screens, and shown that it works well.

What's the metric that shows it works well?

> The really exciting point comes when we can re-run all this analysis, basing it on actual job performance, rather than interview results.

And how precisely do you measure job performance? If this is achievable, I've got a line of companies out my door that would love to pay for a service that systematically measures job performance.
Talking about VS, I haven't done a lot of research but has anyone had some luck using emacs on windows for C#?
yes, but odds are fairly good that hillary will run against jeb. And half of all presidents have served 2 terms. So it wasn't "assuming the results to make my argument", so much as "pointing out how much worse it will be in a fairly probable future."

It's bad enough now that we've had 4 terms of bushes, and that hillary's a lock for the democratic nomination. my point stands already.
Google doesn't really do folders (see gmail), but playlist tagging would certainly be a feature I'd appreciate.

I personally am finding they are going backward though, I've been a subscriber for a while but they've just removed the radio icon over radio stations so it's hard to see in the recent activity whether it was a radio or actual album.
I've been listening for an hour and haven't heard an ad. Weird.
Hello. You might be hell banned.
You reply to my message shows up as [dead] and most people won't be able to see it.
Reddit is owned by a billion dollar company, and does not need to be profitable. Especially with all the marketing going through the front page every single day, it's an advertisers paradise. I don't think they're hurting for money.

Contrary to popular belief Reddit is not some grass-roots operations.
You really need a citation? Take the top 100 of any month in any year and compare all make, all female and mixed band counts.
Razor Sales Move Online, Away from Gillette
IANAP, but it seems the past is only being modified if being a particle or a wave is a choice, meaning the two are mutually exclusive states.

I always thought that particles are waves at the same time, not that they switch depending on measurement. Or rather, they are a deeper concept that unifies particles and waves, and the way they are expressed at measurement time depends on whether you plug in a ParticleReader or WaveReader.

"Was it a particle or wave when it passed by the mirror?" That sounds like a poorly conceived question to me; it is probably better to think of it as neither.

EDIT: Or, what Joan Vaccaro said...
There is no leadership, even when Evan was involved. There are enumerable basic feature bugs that aren't addressed. The only real change has been a skin that makes it look like twitter, which I find ironic, but then again, most of the gnusocial users these days are twitter users.
Strange/random observation: it is surprising that Chrome-style tabs seem to be the default tab representation given the pushback over the past few years over skeuomorphism in digital design.

This editor looks cool though. I haven't really looked at Atom, so I assume that it has good PHP/Python/Ruby support. I will try this out when it is released, I love the autocomplete
Cool. Might want to mention that in the article, since I'm unlikely to be the only person who thinks of that.
Loaded fine for me (Canada).
3D Video samples from 8i
"Two comments: First, I'm not fond of the systemicists. I think Halliday took a wrong turning.

Second, you say that "somehow, we break up the meaning of the novel sentence, relating it to sentences we've seen." Quite correct. But I think the essential point of the Firthian approach is that there is not necessarily a single decomposition of the string. There can be multiple decompositions, each yielding components that can be related to other utterances. All of the standard approaches start by assuming single decompositions (or decomposition trees) on each level. That's where I think the whole structurallist (and systemicist) project went off the tracks. I did manage to crank out a few papers in this direction many years ago, but left it before I had gotten my act together, and I succumbed to the lure of Milton's "that bad eminence" (administration)."

-My dad
Honestly, if you must engage in backseat modding, please at least have the courtesy to explain why you think someone should do something you say. Otherwise people are likely to either just have a negative reaction to you, or if they do what you say, are likely to not understand why. :)
He did it using the Mini vMac emulator. I would love to see more details about this.

http://www.gryphel.com/c/minivmac/
Here's a GitHub repository released by Reddit of all the relevant Reddit metrics (uniques, page views, submissions etc.), by month: https://github.com/drunken-economist/reddit-10-year-data
The name is due to Steve Dekorte's http://iolanguage.org/
Love that you don't have to download anything. I've been trying it out from my browser and it's pretty neat.
With regards to roles, it's good to lay out what both of your strengths and weaknesses to figure out who should do what. In my personal opinion, both should really get good at sales and building relationships.

With regards to determining shares, it's a tough one and I hate to say it but it really depends on many things such as your relationship with your co-founder, what his motivations are, how willing is he to work his ass off knowing he has less equity than you, how hungry you are in ensuring the entire startup takes off regardless of what the equity split is, etc.

For our startup, we're a team of 2 and I'm the one who came up with the idea and convinced a buddy to join me. I'm also the technical person and have a better understanding of the problem we're trying to solve. Although, I've been putting in most of the work at this point in time, I need a team to succeed and I value my buddy's skills and future contributions. I need him to be interested enough to stay in the game because ideas are essentially worthless while execution is everything. I've decided to make him an equal founder to keep him onboard. Am I leaving money on the table? Quite possibly - but if I have no team, my startup will fail for sure. In the long run, if we do make it, our shares are going to be diluted but it's better to have 10% of a $100 million startup than it is to have 100% of a $1 startup.

Hope that helps. Good luck!