bernardom

You think the VC investors of a brokerage get access to individual customer transaction data?

I'm sure it's happened before, but I have to imagine such a thing is incredibly rare and illegal if violating the stated privacy policy (due to GLB law).

I'll second stronglifts. I used the app too. Super simple- three times a week, 35-45 minutes each time, and super gradual.

Freaking love whimsical. Keep it up!

This is so wrong. A payday loan is due on your next payday, no matter what. This loan flexes the term based on ability to pay.

The better analogy would be a fixed-cost loan with variable installments based on your income- a much, much friendlier loan structure for consumers.

What makes payday loans unaffordable is their structure, more than their cost. In California, a typical payday loan goes like this:

1- You write me a $300 check and date it for two weeks from now (when you get paid)

2- I give you $250 in cash

3- Two weeks later, I cash the check

If you had to borrow $250, what are the chances that you have $300 left over on your next paycheck? Zero. So really, it's:

3^- You come back to the store and say "don't cash that check, I'll get hit with a $25 overdraft fee."

4- I say "ok, give me $50 and I'll move your due date back 2 weeks."

5- You say "phew, thank goodness!"

6- Two weeks later, goto 3*

So the one-time payment is what makes it horrible. Even if they charged 0% APR and all you had due was $250, you'd still be hosed. An installment loan, though, where you pay $50 every two weeks for N months is clearly better, as proven by step 4 here.

If I wanted to use RTP for my business- do any third-party processors offer it already?

Yup. I joined a company in SF in November 2015 (thanks @jlisam13). Now neither of us are there, but I met the people with whom I co-founded my current company.

Definitely changed my life!

A.D. :-)

Registered Investment Advisor. Legal entity that allows you to manage other people's money.

VCs, hedge funds and wealth management tend to be RIAs. Private Equity I'm unsure. Wealth managers are all either RIAs, brokers, or banks.

The article is unclear. A16Z are forgoing a certain exception that VCs have, I'm not sure what their legal structure was beforehand.

You can look up all RIAs on the SEC website https://adviserinfo.sec.gov/

This is real engineering. And this is what I'm most excited about with autonomous cars- black boxes allow the NTSB to get involved and work accidents out of the process.

Missed an opportunity for a cool dag-related name.

"d3-dagger"

Would AR UBlock allow you to replace all the people in ads with people of your choice? So all spokesmen for me could be Gilbert Gottfried in a neon colored t-shirt?

This will be the hardest thing to accept about self-driving cars. If the US goes from 37k auto deaths per year to 1k deaths, but some of those are "my Tesla sped into a brick wall at 200mph with little Susie in it," how many people grab the steering wheel?

One of the biggest problems with winding up on the wrong end of a collections bill is that the lender is usually long gone, having sold the debt to some sketchy collections agency that ignores the Fair Debt Collection Practices Act (FDCPA).

The FDCPA has some real protections! Some features:

* You can't contact someone other than the debtor (like their boss) and mention a debt. (You can only say that you're "trying to confirm X's phone number" etc.)

* You can't call after 9pm

* If the debtor asks to not be contacted in any channel other than mail, you must acquiesce immediately (though I think it needs to be in writing)

* If the debtor asks not to be contacted at work, you must respect that

The CFPB has a page on protections: https://www.consumerfinance.gov/ask-cfpb/category-debt-colle...

And wikipedia has more: https://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices...

Insikt Inc. | Sr. BE Engineer + FE Engineer + Risk Analyst + Product Strategy + Online Marketing Manager|San Francisco & Los Angeles, CA | ONSITE, will transfer H1-B

Insikt is a rapidly growing technology company with a mission to help underserved families and small businesses find responsible credit options. We just closed our series D round: http://tcrn.ch/2CFaqhs

Our codebase is mostly Java and Javascript FE: JavaScript - Angular moving to React. BE: MongoDB moving to PostgreSQL

Based on our stack, the opportunity to learn is: ReactJS and Redux, Middle layer development using Javascript on Koa, Microservices built using Java and managed using Spring Cloud, also the ability to learn Hibernate, AWS, Elastic, Kubernetes, Consumer Lending Financial Domain.

Please email your CV to smarraccini [at] company-name.com if you'd like to chat. In the subject line, please use this format - HackerNews / Position.

So if you move to a new town, you can't get a loan because the bank doesn't know you?

If you're an immigrant? If you're a protected class?

The whole point of the fair lending act is that lenders have to use consistent lending criteria across population groups. Going back to the pastoral days of personal relationships with bankers is the wrong answer.

PS "lending" not "loaning"

That thing was awesome. I lived in Boston at the time and loved reporting potholes- they would usually fix them within a week and post a picture of the "after." Made it really fun to participate.

You win some and lose some. I've had great luck with eyebuydirect (apparently soon to be ingested by Luxottica), though sometimes I lose. On the balance, they're so much cheaper that the overall cost still beats going to Lenscrafters.

The hardest part is getting the distance-to-pupil that you need to input in millimeters. I just asked last time I went to a physical store and they measured it with the little machine.

College hockey has no fights and is awesome to watch. (Go Red!)

That’s a good summary.

This kind of problem is not easy to solve- it’s not the kind of thing that has a closed form solution. You typically use a discrete event simulator to model the outcome of different strategies. It seems clear to me, though, that the answer is going to be a mix of “maximize number of trains” and “space them out nicely” during rush hour. I bet the optimal strategy trades off those two variables based on some probability distribution of “expected number of available trains” over time, such that if the number of likely available trains is lower you space them out more, and so on.

Insikt | Full Stack Engineer | San Francisco, Los Angeles | ONSITE, VISA

Insikt is a lending platform serving the underbanked. We are headquartered in downtown San Francisco (2 blocks from Montgomery BART station) and have another engineering office near Burbank.

Check out this podcast from our founder: http://www.lendacademy.com/podcast-50-james-gutierrez-of-ins...

Technologies: Java, JavaScript, React, NodeJS, PostgreSQL, Kafka, AWS

We are looking for Full Stack Engineers (Junior to Senior).

Please send me your resume: bmenezes [at] [company name] [.com]

Full Stack Engineer: https://boards.greenhouse.io/insikt/jobs/666520#.WQd37VPyvIE

This is one of those moments where I'm thankful for the internet existing.

Thanks! I'll definitely give it a shot.

The other classic (and definitely an HN-appropriate book) is "Failure Is Not an Option," which gives an awesome look at the engineering and management challenges they faced from Mercury to Apollo.

https://smile.amazon.com/Failure-Not-Option-Mission-Control/...

Shared corporate model between half a dozen people, non of whom would know how to use it in R or Python.

A ton of inputs from different departments, monthly updates, etc.

If there's a good web-based tool/package for bringing this stuff into R/Python, I'm listening! (And I don't mean shiny- you need a way to look/edit the inputs too)

Have you guys thought about partnering with metromile? Then you'd know where my car is and its current fuel level.

And a way to avoid cycles in simplex is known: https://en.wikipedia.org/wiki/Bland%27s_rule

Interesting: CDC chief says not to postpone: http://www.bbc.com/news/world-latin-america-36401150

They also have all of the professionals that left Venezuela.

When I consulted up there, most of the reliability engineering organizations were Venezuelans. Canada should send Venezuela a big thank you card for the amazing people they got due to Chavez driving out professionals.

I can't seem to edit this at the moment, but our devops guys ordered me to fix "chef" to "ansible." :-)