skysight-inc/HackerNews huggingface dataset:
"Almost all credit cards are 0 liability to the consumer. Even if someone gets a hold of my card, I can call the credit card company and get all fraud charges reversed."

That's true only if you or the credit card company notice the fraudulent transactions and act on them within the limited grace period, which I believe is something like 3 months.

Many people don't actually keep their receipts or reconcile them with their credit card statement. So unless they get an unexpectedly huge credit card bill, they might not even notice that they were victims of fraud and in that case the "0 liability" credit card policies are worthless, because they get defrauded anyway.
I think I'm wrong here.

---

HN throttles comment time. Annoying. I don't want to give away my ideas/time enough to tolerate shit like that!
It makes points that children can be upset about, adults need to learn to have discussions. Even on topics that they think are sensitive.

If they can't do that, maybe they shouldn't even have a "grown-up" job.

And to throw my 2cents in here too, I'm a biological scientist and agree with the overall theme of what the guy wrote (though there are a handful of smaller points within the manifesto that I take issue with).
And you may be absolutely right -- I'm going off what I've heard from young people anecdotally out of college who say they weren't given a second look because they weren't from MIT or Cal Tech. But perhaps that's only for entry-level positions, or perhaps my information is just plain wrong.
You're not building "software," you're building something for someone to use. Done is defined by what that person needs to do their work. Done should be defined up front, or at least as far ahead as possible so it's clear.

One of the first questions I ask when probing about the state of a project or task is "how do you know when you're done?" Too often, the answer is a shrug, or a deer in headlights look!
Red flag of what, though? Eg, I stay away from social media, and create burners for just about everything (rotating burners semi frequently depending on how many random details I post, etc) - so what am I an indicator of? I try to be a Ghost.

I'm sure a ghost is an indicator for some things, but the majority of it is just speculation right? I have trouble thinking of how a lack of information about someone could be harmful as a source of information.

Now, I could see it becoming harmful in that I have to have some type of Citizen Score to apply for jobs, be accepted for loans, get insurance, etc etc. That's quite reasonable, imo. Yet, it's still seems different than being a source of information, e.g. this person is unstable, or this person is depressed, etc.
The Most Common Error in Media Coverage of the Google Memo
> someone should legally be able to cite, for example, that Asians typically have higher IQs than others - don't you think?

I think a more direct parallel here would be if you cited such research, and then drew the conclusion that IQ translates directly into better performance in a specific role such as leadership.

The memo author made claims that aren't supported by the research he cites. It isn't a mischaracterization to say he questioned the aptitude of women in certain roles without having the science to back it up. That's a problem -- not a legal one, but a "how to work well with others" one.
Lol, guess they really need to get around those sanctions.
Cash workflow:

- Cashier tells you the total amount

- I get a 10 EUR note from my trouser pocket

- Cashier gives back money

- I put money in trouser pocket

- Done

- Home: I put all spare money in a large glass jar

Credit card workflow:

- Cashier tells you the total amount

- You look in your wallet/purse

- You swipe card/insert in chip reader

- You insert PIN number

- You shield your PIN entrie from the people next to you

- You tell people too close to back off

- Chip reader did not work because of humidity

- You insert PIN again

- You tolerate the angry stares from people behind you
who think you're either stupid or broke

- You wait 5 sec for transaction to fish

- You put card back in wallet

- You put wallet back in trouser pocket

- Done
There is no way anyone will be living off of just a UBI at least in the terms it is currently described. $10k/yr doesn't get you very far especially when it is offset by cutting nearly all other social safety nets.
It does. "War" would be "Krieg".
> People used to pay each other in gold and silver. Difficult to transport. Difficult to divide.

It would be interesting to hear some of the history behind why gold and silver were decided to have value. What are the steps leading up to the first point in this post?
I wonder if there's any eventual consequence for the buyers.
After having taken Udacity's ND, the only way I would consider taking this course is if they go in-depth with the theory so that I can clear interviews and work on projects from scratch. There's just too many resources for DL now. It's getting ridiculous. Had Udacity gone in better details with their ND I would glady have paid double for them.

Coursera does not having proper support systems like good quality forums/any mentorship/project reviews. Although, been a while since I took a Coursera specialization, would rate Udacity higher on that front even though their ND was too basic (I can't even talk about what I did in a project clearly because of so much lack of stuff).

Let's see how this specialization holds up.
I suspect that the author's assertion that the degree of belief model is sufficient to account for vagueness in propositions cannot really be defended. Its also obvious the author is not a logician.
Agree, such a pain. Especially in restaurants if you take a large group out and want to pick the bill up. It has got better but I have been totally caught out with this on one of my first visits to Berlin with a fairly pricey group dinner and I physically cannot take more than €250 out of the ATM a day without taking cash out on CC which involves horrendous cash advance fees.

I also don't buy this cc fee argument. It's regulated (and low) in the EU, perhaps 1-2%. This must be lower than the cost of storing cash, counting cash, paying it in to the bank, transporting it, getting fraudulent notes, people giving wrong change, etc etc.

The other annoying thing is DB machines not taking visa/mastercard and no notes over €10 (though this may have changed recently), which is all you get out of an ATM when you land at the airport. Such a hassle.

I hope Berlin can fix this and the BER airport situation one day.
That's even more true with small spendings: with cash, you easily see the amount stocked in your wallet decrease item after item, shop after shop, drink after drink; you also need to "refill" at the cash dispenser when it gets empty so that reminds you that you have already spent the XX or XXX € you had taken 2 days ago; you also may not be bothered to refill and opt for a lower priced item, or a lesser quantity of items, or do without the item.

If you start paying small amounts with a card, it is too easy and also you don't keep track of your spending rate, you don't "feel" it, so you end up spending more.

(After all, that's the point of it, shopkeepers wouldn't bother losing time and money to offer card payment if they got no benefit from it.)
Nice ad-hominem and credentialism you have there, do you have anything that refutes his points?
Hopefully they don't come to the conclusion that "rebooting" is the best way to solve the problem.
But what if that person is black? And they don't want to work with you because your black?

Or insert trait here_____
Woman
Gay
Right-wing
Omnivore
Muslim
Where is the text snippet where he writes that "straight out"?

https://assets.documentcloud.org/documents/3914586/Googles-I...

Here's the unedited document with all the references. I'd like to see that.

All of the data he shows are what scientific research in psychology concluded. He then does some leaps to deduce why some of these differences, that are scientific facts, could create inequalities. This part asks for discussion which he didn't get at all. Of course his theorizing is not a fact, therefore he wants discussion, additional data, and openess of some of these diversity processes.

"As society becomes more prosperous and more egalitarian, innate dispositional differences between men and women have more space to develop and the gap that exists between men and women in their personality traits becomes wider."

The above happens in Norway and Sweden where women hate STEM even more. Yet, I believe, both have schools not using any gender role bias for decades.

Unconscious bias training that Google uses is in worst case brain washing, best case does not work at all. So that critique was in place.
> By creating regulations that prevent merchants from charging a different price for cash vs credit, you effectively force everyone to pay 2.5% extra for every purchase.

Force?

Merchants are free to sell things for cash only. But they won't - because consumers want to pay in credit cards, and a shop that only accepts cash will lose customers.
Quite possibly, a lot:

https://www.nytimes.com/2016/05/15/magazine/warburg-effect-a...

https://en.wikipedia.org/wiki/Warburg_effect
and smelly, and talk too much, and the biggest one of all: suck at driving.
Unity makes it easier than get started. Unreal makes it easier to ship. Caveat: my understanding of Unreal is limited.

The sources of differences are:

Unity's primary audience has been hobbyists. Unreal's has been AAA devs. Unity doesn't ship games themselves, so they tend to focus on flashy, marketing-friendly features. Epic used to ship FPSs at least (they've slowed down in that area). Unity's huge audience pushes them into a large commitment to a ton of legacy architecture dating back to the web plugin. UE is on Ver4 (whereas Ver1 & 2 might predate Unity).

A big one is that Unity uses C# vs UE's C++. Garbage collection is great in the beginning. But, when you go to ship it becomes the enemy. You end up needing to structure everything to have no allocations at run time to avoid GC hitches. So, you start out coding like a modern app dev and end up coding like a classic embedded C dev. Except you aren't using C. You are using a language that tries to sneak allocations past you all over the place.

If you are a hobbyist, Unity is really great. It's great for experimenting, prototyping, and for remaking your own take on that game from 10+ years ago. If you want to make a modern game, be prepared to fight and rewrite a lot of the core of Unity. The editor is great though!

Unreal, however, is a lot more complex and challenging to get started. And, it's not all roses when it comes to shipping either. UE tends to favor a heavyweight setup cost in order to make using high-end features a bit cheaper. That's not great if you don't actually want to pay for those features. UE is technically on mobile, but only because high-end mobile hardware is catching up to what UE requires. Getting UE to run 60fps has been a challenge forever. The Mortal Kombat team has at least one GDC talk about the extensive surgery they had to perform because their management dictated that they use UE.
Can you describe the diversity program? I mean was it a program to source candidates from different places and make them enter the normal hiring pipeline, or was something like there are 1% positions reserved for minorities and you fill one?
How about fuck this paradigm?

Scrum = Shite verbosity about agile process and training for mgmt larva.
Agile = Hyperbole.
AWS = I don't know better and my developers are < 35 years old or on the make (+ stock). My customers are just stupid.
Security = big $$, modest skills, certs for the neglected comptia and northcut industures. I'm a CEH!! So is every script kiddie on the internet.
tester: can't write working code, useless to the degree that you come in when they need you to justify junit crap numbers you generated when drunk. This will scale if 12 coors == 12 saudi virgins.
analyst: I'm an experienced tester.
tech lead: best resume and best bully of the bunch. I can understand stack exchange!
QA: I like your doxygen docs and the test numbers but I have a problem with connecting to server(x) at ip(x) from greenland at 2pm on a sunday. Any ideas?
team: Bunch of backstabbing co-moderators.
Every evening I put all spare change from my trouser pockets into a large glass jar next to the door. Once a year I reedem the money and have a really nice dinner.
Is it not $49 / mo ?

http://i.imgur.com/UNOvVMU.png
Right, debt came first. Then we invented currency as a store of value, so that we could perform even transactions. To avoid creating debt!
Really good point. I hadn't thought about what volcanic-sourced water vapor would do to just about everything a drone is made of. Not pretty, I'm sure.
The fired employee was not begin intolerant. He was disagreeing with company policy. The comparison to Nazis is completely uncalled for.
So Lloyd Christmas wasn't wrong when he said his IOU's were as good as cash! Take that, Bobby!

I'll see myself out.
What if your wallet gets stolen or you misplace it?
"How I used Microsoft Cloud 365 to escape Darth Vader and blow up the Death Star! Uplinking R2D2 was totally seamless."
It would be significantly less of a problem if it weren't for massive inflation in real estate, tuition, and health care. There are other gravity-defying areas but these three are the real killers. Wages are stagnant but the cost of housing, education, and health care can only go up and up and up.

There's a cause and effect connection too. All that wealth at the top increasingly has nowhere to go. Stagnant wages result in what economists call a "demand constrained economy," which basically means nobody has any money to buy anything. This makes it harder to build businesses (no customers!) and therefore makes investments perform worse. Worse performing investments leads money to seek safe havens like... real estate. This causes asset inflation which soaks up yet more middle class wealth and worsens the problem. Repeat cycle. It also inflates bubbles. This is why we've had a serial bubble economy since the late 1990s.

Historically demand constrained economies result in depressions. We've avoided a technical depression through monetary policy (QE, etc.) but at the cost of monstrous asset inflation and bubbles. (My personal opinion is that we have been in a weird kind of stealth depression since roughly 2008, or maybe even since 2001. It's a depression masked by force-pumped asset inflation and bubbles.)

This is in part why you hear some venture capitalists advocating for redistribution methods like universal basic income. VC depends on the ability to build businesses which depends on customers. If there are no customers VC backed companies fail and VC funds under-perform.

Edit: just since this is interesting:

The opposite of a demand constrained economy is a supply constrained economy. This is where you have lots of money in consumers' hands but no capital available for business. This is what we had in the 1970s and it resulted in "stagflation," which is inflation due to consumer demand bidding up constrained supply. Supply side economics such as what the Reagan administration introduced in the 1980s may have been the right answer then. Today we have the opposite problem and probably need something more like FDR's New Deal. Unfortunately we have a generation that grew up in the 70s that is now in power and is fighting the last war. This is the same problem we had in the 70s-- the 30s-40s generation was in power and was fighting the last war.
Not surprising
Ah, I see. In the US a common marketing offer for credit cards is that they let you make one charge that will be interest-free for 6 or 12 months. You can pay it off whenever and however you like, but if you don't pay the whole thing before the deadline you'll owe all of the interest for the whole period. They make money off of this two ways:

1) People forget to pay it off before the final date. They're not always clear about when that date is; you know exactly how long it's been since the charge, but you don't know for sure when your payment will be applied. It's best to pay the total off at least a month before the final date, to be sure it's paid during the billing cycle before it is due.

2) If you use the card for anything else, there's fine-print that says that any payments will go towards non-promotional charges first. It can get very difficult to determine if you've paid the promotional charge off or not, and they typically do not assist you in figuring that out.

They also benefit from extending you more credit than you need for the one charge you want to make, especially since you're unlikely to use it in order to avoid trap #2. And they benefit from having an additional customer on the books. I'm sure these benefits make them money somehow too.
A great explanation of FOV, thanks!
While I understand, and agree with, the sentiment of your skepticism, you come across as quite arrogant in your dismissal.

If a problem is political providing proof might be very difficult, since those in power will claim that there is no proof of a problem existing, and hence there is no need to investigate the problem further. This circular logic prevents any kind of proof from ever being produced.

I've seen this happen many times myself.
Craft a cold email that works
I mean "men often report higher assertiveness".

OTOH, I found something completely unrelated that really left me speechless (https://en.wikipedia.org/wiki/Sex_differences_in_leadership#...):
"Women and men have been surveyed by Gallup each year concerning workplace topics, and when questioned about preferences of a female boss or a male boss, women chose a preference for a male boss 39% of the time, compared to 26% of men displaying preference for a male boss. Only 27% of females would prefer a boss of the same gender.[17][18] This preference, among both sexes, for male leadership in the workplace has continued unabated for sixty years, according to the survey results."

Now, how should we call these people?
What would be a good prerequisite for these courses?
Once they are safe and reliable, autonomous vehicles will quickly replace the subsidized demand response bus services that run in rural areas.

(drivers are a big expense for such services)
Yep, just saw that recently. I kind of knew how it all worked before, but he explains it well.
East of Curzon line. You know, that agreement that was made after WW1 (and therefore after USSR was established) and broken by the 1920-war?
ZFS send/recv to an offsite ZFS box is a backup. Replacing tape systems. It's incremental. Its compressed. It's faster.
New CC cards with chip e.g. Visa/DKB have also PINs without being a debit card.
Sure, I think I see the reasoning behind: reduce the time to market for embedded products.

But I'm mostly wondering the actualy benefit of choosing mJS instead of micropython to do so. It seems that both are capable of handling this problem, however mJS seems aiming at a compromise between JS and C, and my opinion on this is that it will introduce huge overheads on any projects. This mostly stems from my being wary of multi-language projects.

The process involved in embedded platforms seems heavy enough as it is, no need to blur the lines further.
Counting quotient filter: making every bit count. (Better than Bloom filters)
Because Humans quickly change your rider review from 5 stars to one when you do not tip.
Exactly, I mean, maybe it's not clear from my comment but it was very hard to calculate how much disposable income I'd be left with after the monthly payments. In the statement, you see how many payments left for each transaction but when you buy practically everything like that, one would need dedicated software to figure out his/her financial situation.
Interesting. I didn't realize this could be a paper material. Also, whatever includes BSG in it, I'm an instant fan :). Thanks for mentioning it; it was a good read.

In your paper, you cite an interesting piece about the optimism bias of people[0]. Skimming through it, it seems to somewhat support my current belief that we need more, not less utopias and optimistic visions. To quote from the ending of the text:

"Overly pessimistic predictions may be demoralizing if these predictions are believed and, if these predictions are fulfilled, the outcomes that are obtained may not be very satisfying. Overly optimistic predictions, however, may confer benefits simply by symbolizing a desired image of success, or more concretely by aiding people’s progress to higher achievements. Given that predictions are often inaccurate at least to some degree, it is possible that people may derive benefits from shifting the range of their predictions to the positive, even if this means introducing an overall higher rate of error into the prediction process. Countering optimistic biases in the name of accuracy may undermine performance without achieving the accuracy that was intended, whereas the maintenance of optimistic predictions may serve to align us, both in thought and in action, more closely with our goals."

Evaluating dystopias can be useful to avoid disastrous failure modes, but I feel we shouldn't dwell too much on them, and instead focus on trying to achieve the optimistic goals the best we can.

--

[0] - https://sci-hub.cc/10.1017/CBO9780511808098.021
axe-core for accessibility issues.
With emerging last-mile training programs, is college necessary?
These are the terms our discussion was based on.

You said "Freedom of speech is not a right to voice such speech wherever and whenever you want, or to be free of the consequences of such."

I rebutted with authority sources saying the opposite and your following rebuttals were all opinion.

I'm not going to point blame, but this is a two-way street and requires effort from both parties.
> The basic problem is that most families used to receive something approaching their fair share of economic growth, and they don’t anymore.

Yes it's good, but it's not good enough.
That might be. I'm not up to date on the research. That being said, very few people just "get money" without working an incredibly demanding job.

There have been plenty of stories into lottery winners, who after winning become completely miserable, many of which end up killing themselves. Of course, you don't hear about the success stories, and there's also a certain type of person who plays the lottery which might attract insanity when they win. [1]

The "rest and vest" story from a day or so ago was also interesting. It might be that these people were happy just sitting around collecting a paycheck and vesting. But the story talked about how many of these people say they want to leave and start their own thing, but can't/don't because the position they are in is too good. Is that happiness? Or is it complacency and "good enough"?

Another angle is "trust fund babies"; people who receive large inheritances and don't generally have to work. I'm not sure if I'm aware of any studies into their happiness.

I'd love to see more research and stories on this. The traditional saying is "money can't buy happiness"; maybe that's absolutely true, or maybe it should be tweaked to say "the average work it takes to have a lot of money will leave you unhappy."

[1] http://time.com/4176128/powerball-jackpot-lottery-winners/