skysight-inc/HackerNews huggingface dataset:
What if you no longer have an account at the issuing bank and the cards were cancelled. How would this even work given there is no business relationship anymore?
Someone obtains your CC info and makes a series of purchases that clear online. After the fact, your CC company contacts you and asks was this fraud? You say yes. CC is canceled. The business that accepted the charges does an audit of orders and identifies weird charges. Probably fraud. Refunds the orders. This maybe takes place in just a few days from start to finish. That's what you're describing.

In the last 6 months a new system was put in place that checks before issuing refunds to see if it's even possible to issue the refund. All merchants have been notified of this change.

The only thing I'm thinking of is how this sucks for merchants who are doing a better job at detecting fraud than the processors. You cannot issue a refund. You may only eat the chargeback fees and (of course) loss of the original funds.

The credit card system is so fucked from the ground up. It must be replaced.
Then make it optional or give fine-grained control over it. When you get a new card number, you should get a list of merchants that have recurring payments on the old one, and get to choose yes or no to transfer each of them.
Venturing into remote areas always entails significant risk. A loose rock can become a life threatening emergency in seconds. Having cell service mitigates this risk immeasurably, as does having other people nearby.

Taking a baby into this kind of environment is needlessly reckless when there are so many good alternatives.
I'm not really convinced by "John Carmack doesn't think it's a bad deal, so it's probably ok". He might very well be an incredibly talented game developer, but he also hasn't been in the position of being unknown in the space since the 90s. He also isn't an economist. However, I do think he makes a good point about accessibility. I also think that similar arguments are commonly used to defend MLM companies, which many rightfully still dislike.
I have a friend from Croatia that lives in NYC. Does not earn much, especially by NYC standards. He loathes returning to Croatia because everyone thinks since he lives in the USA, he must make a lot of money.
Eh, I think it's reasonable to have different expectations of children vs adults. After all, isn't there a reason why children can't sign legally binding contracts?
That's what Ancana takes care of, and what you entrust them to take care of. Some would involve lawyers instead. I certainly would.
In Canada that would be outrageous. Many lower cost internet plans here are limited to 30-50gb per month.

If my washer started using 1 gb per day without notice, and I received a bill for extra data, I woukd be pissed.

I do own an LG washer, but thabkfully a lower end model without internet connectivity.
Glad to hear from you, h0p3! And thanks for reading my interview with Maxwell. Exploring your whostyle experiments with Kicks, sphygmus, chameleon et al. sent me on a real journey...

I hope to cross paths again soon, -j
Is there any information on what the upper bound might be on the infectivity of SARS-CoV-2? I think a lot of people just assume one big jump consumes most of the range, but we've seen at least three big jumps so far ("Doug", "Alpha", and "Delta").
> As long as it's not illegal

Isn't this the crux of the issue? That's what Mastercard is saying, too. As long as you've super duper verified that this video is legit consenting adults, you're good.
As another reply surmised, it is OneFinance. Been with them for around 3 months as my primary bank after Simple got acquired by BBVA which got acquired by PNC. I've been very happy with them. If you decide to sign up, check to see if you have a friend that has an account, you can both get $50 on your first direct deposit. Slide into my DMs if you don't have any friends. :-D
It's an interesting bit of information. I remember back when Gatekeeper was introduced on the Mac, I fully expected it to make its way to iOS the following year in a form that only allowed signed apps to run -- it seemed like it would allow the benefits of sideloading to users while letting Apple keep a measure of control. (That may seem naive now, but when Gatekeeper was introduced in 2012, App Store revenue was a pretty small part of Apple's business -- it was still being listed as part of "Other Music-Related Products and Services" as of their Q4 2012 10Q statement.)
10% seems appropriate for those of limited means. I'm not sure it applies to those of us more fortunate.
That might be slightly valid if Apple had any plans to do e2e encryption. The fact that they haven’t said a word on that front would seem to indicate that they have no such plans, have never had such plans, and are not willing to make such plans.

Another alternative would be to scan for CSAM and simply choose not to upload it and show a warning instead. I don’t get why folks are overlooking the absolutely critical _and then it snitches to Apple and/or the government_ part.

P.S. it is weird to say Apple is “abandoning” an e2e encryption feature it doesn’t have, has never announced, and has made no mention of at any point, despite clear public pressure.
They are not. Erik Prince tried to hook up with them 2 years back.[0]

[0] https://theintercept.com/2020/04/13/erik-prince-russia-merce...
Not true at all. Lightning strikes often leave very little evidence. In particular, if the ground was wet and rocky, a strike some distance away could easily have electrocuted the family with no or minimal burning, and the actual strike location could be nearly impossible to find.

I've seen this with my own eyes. A couple of years ago I watched lightning strike a tree in the park across the street during a rain storm. Afterward the tree showed no evidence of the strike except for some bark blown off. There was no visible burning on the tree or the surrounding ground, but I guarantee that anyone standing near that tree would have gotten zapped.
It’s not an open standard
At least in the US, suicides are less common during covid.
The source article seems to agree with you on this point, and does not call any person or algorithm "racist". I think they understand the term "bias" to mean simply "things we might want to introduce adjustments for".
when? the nvidia 8800 GTX launched in 2006 at $599 MSRP. it wasn't even the top card of that generation. that would be the 8800 ultra which launched eight months later at $829 MSRP. unless I'm mistaken, you would have to go back to the Ti 4600 to find a flagship GPU that launched at/under $400. that was in 2002.

ten years after the 8800 GTX, I bought a 1080 ti not long after launch for about $650. that card is more than 2000% faster, for roughly the same inflation-adjusted price.
For the past few years I've had my grandma using a Linux desktop (for her, it's always the year of the Linux desktop!) She has no idea how to use the system, but I just lock it down for the most part, exposing mostly Skype and a solitaire game, and giving myself full access to SSH and x11vnc (through SSH, with my key required, of course).

To her, it's almost like a television, as family members are able to call her and even initiate calls. (Although we often have to call her on the normal phone to get her to realize that we're calling her on her computer, or to plug it in --- this is the one thing she does do with the hardware.)
For the second time, out of the tens of millions of videos on the platform critics found illegal content numbering in the dozens. Their enforcement was sufficient to drive down illegal content to literally one in a million rate of occurrence. Weighted by number of views on videos, it's probably an even smaller fraction of that. The filter was sufficient to make illegal content something that the overwhelming majority of people - almost everyone - will never see when using their platform.

By comparison, critics described pornhub as:

> Human beings of all ages,
races, genders, and sexualities are being abused while Pornhub pockets profits from
selling said abuse and exploitation online. It's nearly impossible to stress strongly enough the fact that these cases are far from anomalies.

https://exoduscry.com/downloads/Statement-of-Inclusion.pdf

This is utterly disingenuous. If dozens of instances out of tens of millions isn't an anomaly, what is?
No, they don't have a way to move anything other than games. Probably specifically to avoid the chance of a secondary market forming. Trying to police real world trading is hard so they just cut off the chance for it entirely.

https://en.help.roblox.com/hc/en-us/articles/203313090-Can-I...
"Unknown people in far away countries don't matter at all."

Citation needed.
Reuse: Make licensing easy for humans and machines alike
The thing that the "christian" industry does also has ethical issues. In a lot of countries church has engaged in raping of children and child abuse.
Our anonymous Dave has a tremendous excess of wealth that far exceeds his needs and his ability or desire to spend it. He asked "Was I wrong in not telling anyone about my winnings?"

My response was to that. Maybe sharing it, rather than concealing it, might actually make his life a little better (there is a soft joy in giving), and bring him closer to the needs of people around him.

I don't see why you think I crossed a line by giving my opinion. The man is asking for opinions!
Yep, big time. If you’ve listened to a podcast regularly in the last five years, you’ve almost definitely heard an ad for them (or similar competitors).
The S&P 500 is certainly more diversified than individual stocks. But it's still only the largest US companies. By itself, it's only a somewhat diversified portfolio.
> thinks Roblox is fine

I don't think he's claiming it's not exploitative behavior, but rather values the experience for the real world lessons.
If your public key gets compromised...

Do you mean private key? Or am I about to have a TIL moment? Because your public key is, well, public so I wonder what a compromise of that would look like.
>One grading approach is open-ended from the top and more common
>with theses than classes. If your work is everything one would
>expect, you get the second-highest or third-highest grade. Highest

the problem with this, in the US at least, is that the STEM people might do this, but then the social science and humanities departments were using the other grading scheme. It got to be running joke that 90% of the social science students earned latin honors, while in the business school it was a small fraction of that and in the science school it was even smaller.

(which again brings us back to the thread topic I guess, when graduating with latin honors was hard it was a good way to indicate likely entry into the elite. Now that many can achieve latin honors they are no longer good for entry into the elite, but people still expect them to be.
Most humans suck at sorting out the cognitive dissonance between "I am a good guy" and "I let auntie Vanessa die".

Doesn't mean your approach isn't right. A lot of people just can't do that properly and it can cause stress and depression, so for them it's probably easier to just avoid having to think about it.

Humans aren't really the most sophisticated when it comes to situations like this. Almost like we weren't supposed to have 10,000x times more resources at our disposal compared to the person standing next to us.

But let's just ignore that and continue our game of monopoly. Maybe this time it'll end differently. I'm sitting next to the bank though, so the outcome is pretty much certain for me.
Show HN: FreeBoardGames.org – FOSS platform for publishing boardgame.io games
Hello HN,

I have started FBG some years ago when I moved to the Bay Area and could not find a simple, cross-platform, no-registration way to play board games with my friends back in my home country. I also wanted to make it simple to create multiplayer board games online for developers in their free time.

Shortly after, I found out about boardgame.io with similar goals and decided to join forces with them. It became the engine of our board games, and we focused on publishing/serving them. To be fair with everyone and inspired by Wikipedia, we made the project a non-profit with GPLv3 Affero license.

Since then, the project has gotten many amazing contributors that developed really cool board games, added translations, helped with infra, etc (see https://www.freeboardgames.org/en/about ...). My focus has been on the infrastructure (scaling, adding text chat, etc).

During the pandemic, we saw a large 30x increase in usage, and it also became more useful for me, as I started using it at work for (now virtual) fun team meeting events.

Please check it out and give any feedback!
Reserve Bank of India added provisions to protect customers exactly against this kind of situations.

https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=1166...
They’re just nitpicking the unimportant bits while unwittingly(?) agreeing with the important bits (and adding some silliness of his own). But somehow that sort of smug contrarianism attracts this sort of self-congratulatory back rub about how “we” on hackernews are so much more enlightened than the blue forum’s masses…thus fulfilling the “normal level of dumbness” for an Orange Subreddit thread.
It turns out we actually have laws that answer that question: you cannot determine the loan rate based on protected characteristics. In fact, that's what "protected" means in this context.

Laundering the bias through an algorithm doesn't make it any more OK or more legal, it just makes it harder to detect the discrimination.
They don't normally think through the consequences of this type of policy.

What happens when you're barred from selling it for more than you paid?

The seller will have a price cap but will have hundreds of people who want to buy it.

How do they choose?

Maybe lavish off-the-book gifts, or maybe they choose based on how the person looks, or perhaps they arrange consulting contracts to make up payment afterward.

Would you invest in your house if you knew you couldn't get any return on it? Or would you let it run to shambles?

Imagine you were a landlord renting a unit out and a new law prohibited selling it for more than you bought it. How would that impact your decision to maintain it? Would you spend money on updating the interiors, replacing carpets, putting up new siding, if you planned on selling it within a few years?

Suppose every landlord did this. What would a typical city block start looking like?

And so on.
None of what your rant implies is accurate if you follow any kind of security practice.
On the other end, how about:

A. The mainstream media, M, is biased and sometimes delivers incomplete or inaccurate information. They tell $mainstream_story.

B. Alternative source, A, rejects $mainstream_story and says that actually, $alternative_story is the truth.

C. Any data M points to to debunk $alternative_story and support $mainstream_story is assumed to be fake or manipulated, because M lies.

D. There is no need to apply the same skepticism to A and their arguments, because by going against M, they have already demonstrated that they are "good guys".
What if our Universe is a sequel?
Are there any privacy rights you would be willing to stand up for?
Hey hey, a guy that can read and not jump into conclusions because he failed reading my post.

I think the added baggage is negligible. I've used this approach on super low end embedded devices running heavy duty browser code
Proposed alternative - you get your own private-key as an identifier. Nobody ever can ask for the private key, they can only ask for a signed message that proves identity. Thus a lot of categories of fraud are no longer possible because there is no shared reusable number in the event of a leak.
I refied at 2.87 at 30 years but am just paying at the 15 year rate, it actually worked out better somehow and I have the option to drop payments as well. The mortgage broker was a bit surprised it worked out that way.
> it seems there is also a high likelihood you get sued for giving people money because you didn't give them enough

Yup. Families can be like that.

Some distant relatives of mine, whom I never met, have been suing each other over some inheritance for what must be a good ~20 years now. I know because we're still getting an occasional mail from court calling my dad (who died many years ago) to stand witness in that case.
I don’t think Oculus is courting amateur kiddie devs.
Show HN: Developing conversational AI apps in less than 2 hours with Dasha
Hey all,
I wanted to share with you this cool platform for developers that lets you build conversational AI apps in a matter of hours. Even a non-developer can build a demo app in less than 2 hours.

Why is Dasha unique?

* We have our own intuitive programming language - DashaScript. It's an event-driven language intended to describe a conversation script.

* We created Dasha Studio, an extension to VSCode. You use the studio to create your conversational script, it gives you syntax analysis and highlight. There's also a visual graph editor.

* Dasha CLI that lets you log in and get your API key that you can then use to execute conversational AI apps, and get diagnostic information about current usage, queues, and limits on Dasha Cloud Platform side.

* Dasha Cloud provides conversational AI as a service, which means that you don’t need to be a machine learning engineer to use machine learning when building Dasha conversational apps.

* We use GRPC for communication between SDK and the Dasha Cloud (more on that here https://dasha.ai/en-us/blog/conversational-application)

What apps can you build?

To illustrate how to build a conversational app and show its capabilities, here's an tutorial on how to get started developing your first conversational AI app: https://dasha.ai/en-us/blog/build-conversational-AI-app-1

You can create apps for free, so give it a try: https://dasha.ai/en-us/ (just click on "API key" button and we'll provide you one so you can start building)

Also, we're hiring a DevRel, so if you are one or know one, apply or reach out! https://www.notion.so/dashaai/Dasha-is-hiring-6f2156ae251e4e9b94c841fff4fcd976
I'm confused and slightly alarmed by the insistence on doing everything possible to scrub the prospect of human agency from matters that affected by and that effect humans. If we see some social ill, shouldn't be combing the systems that are related to thei existence for the flaws that let those ills happen, instead of just pointing at the system and saying, "Well, a human didn't make that specific decision, so it must be objective and fair."

It's high-tech ventriloquism.
To me it's a pain while I'm on a call to pull the phone from my face, switch apps to contacts, read or otherwise ingest the data, then put my face back to the phone to relay what I learned.

Compared holding the phone with one hand and flipping through an address book with the other it's much less flexible to me.
if you have a jumbo loan you need a much larger downpayment. which is basically required in any state on the coasts.
Personally I having to update all of the recurring payments very useful; I was supprised by the amount of shit I had forgotten I was paying for every month. e.g. a VPS that I hadn't had anything running on for years, Apple music long after switching to Spotify.
Sure. But 10% is what 'tithe' means. Tweak to suit.
2008 had a lot of variable rate mortgages. That's not the case today. Most people (at least I'd hope) don't use their house as an investment so if their mortgage is still the same payment each month and they can afford it there's no reason they'd default and tank their credit. The losses are purely paper losses.
I’ve heard lots of stories like this from folks who married into Filipino families.

The general idea I get is that the money of the extended family is considered accessible (at least to some extent) by the entire pool. This seems especially true for medical expenses, but also seems true for “investments”.

The boundaries seem really unhealthy to me, but I’m not part of that culture, so I don’t know how it really works (esp. for families with wealth disparities).

One “feel good” story I have heard was when a friend of mine flew from the US to the Philippines with a large sum of cash that paid for a life-saving surgery for grandmother (had to pay in advance).

I’d love to hear other stories.
I live in Oregon but changed my address on wsj.com to a California address so I could cancel without having to talk to anybody. In 2018, a law went into effect that says that if you can sign up online, you have to be allowed to cancel online. But only California has this law AFAIK.

https://www.cnet.com/tech/services-and-software/companies-mu...
The median down payment is only 8%, and the median first time home buyers puts down only 5%.
"This is the second part of a three part series (I) examining the historical assumptions of Paradox Interactive’s 19th and early 20th century grand strategy game, Victoria II."

So it's about a game (which is fine), not real life (which one might assume from the title).
There are just all kinds of things people don't need to buy anymore bc of smartphones. I think on balance life is cheaper now. The main exceptions are things like housing if you live in a big city.
The problem is real amateur porn were kicked out because many feared to get verified which means people seek other less reputable sites to upload their videos on. Sites which some don't care about if it's legal or not like pornhub did and of course people will flock to sites that provide what pornhub destroyed. So many shady porn sites will get an income boost from what pornhub did in panic. Would you consider that a win since you agree with the verified only move? I definitely don't. It was a very bad move without any consideration of the consequences. You're supposed to support good sites. What pornhub was. Now it's just filled with professional garbage. I've been on these sites and stumbled upon illegal stuff. I never did that on pornhub. Nicholas Kristof only made the problem much worse. Journalists never consider the consequences. They only care about writing hit pieces.
That will be harder in the near future. There are already youtubers showing the dozens of methods devices are using to talk to one another out of band and without user interaction. This guy covers some of the methods in a few of his videos [1].

[1] - https://www.youtube.com/c/BraxMe/videos [video list]
I made 25m with crypto over the last 10 years.
Never told anyone, not my friends, not my gf, not my family. Half a year ago I quit my job and now everyone thinks I am unemployed.
How to stop my friends sending me job offers for full-time php developement?
> Perhaps so! Sometimes this is a positive feature; those who are biased do have an incentive to investigate facts, and uncover the truths their enemies would prefer to remain hidden. No doubt that this has been a major reason for the New York Times' success with their coverage on Trump, which contains many damning facts.

It's an interesting observation that the people who have an axe to grind about, say, the New York Times being "biased" very frequently do not live up to their own purported ideals of neutrality nearly as well as the NYT does (i.e. the critics are hypocrites who are salty that someone dares to speak a different opinion than them).
Ask HN: As a remote worker, should I ask for equal pay?
I'm a senior software engineer at an SF-based company. I work remotely from elsewhere in the world.

I'm a few years into my role and my compensation is very generous for local standards, but nowhere near SF level (within the same company).

Should I push for a more equal salary in this company, or perhaps just leave and look elsewhere? At this point I believe I have plenty institutional knowledge to have some leverage, but far from being critical in day to day operations.
It is worse considering this startup got its own Launch HN thread, instead of going to those threads where many startups are shared in batches.