skysight-inc/HackerNews huggingface dataset:
In current environment few people buy houses <5 years after graduation and I have never heard about job checking credit score/bankruptcy data. May be some jobs related to finances? Definitely not tech companies. And in retail/low wage jobs most people have shitty credit so there is no point in checking.
Most good wisdom conflicts with other good wisdom.
Okay, that's my bad. But if you assume an effective tax rate of 15% (combined federal + state + SS + Medicare), which sounds about right for an Uber driver making 40k/year, 0.58 * 15% * 75k mi/year is an $6525 tax reduction. A quick look at an income tax calculator says someone in California making 40k pays about 6k in tax, so your credit per mile is 6k / 75k = 8 cents/mile.

Depending on your costs that could put you under 20 cents/mile in cost. And you get paid over $1/mile in practice, even on delivery orders. Really the only party getting screwed by gig apps is the government, because they get 0 tax revenue from these guys.
OK, for now, but I imagine 5 year old fiestas will go up in price alot when new ones stop getting made.

And then it will get harder and harder to keep them running. All the while EVs steadily dropping in price. Its a slow burn.
The pretext for this change by Visa is that some cardholders are making false claims to the card company.

This "stolen" sounds like it might be a different kind of false claim.

Can consumers operate while maintaining impeccable high ground?
Being unable to discharge a loan means you can offer them to people who you expect to go bankrupt.

Rather than trying to limit losses it’s an attempt to expand the industry.
An oral history from 50 years ago.

I looked up three of the speakers.

Dr Abrams: https://en.m.wikipedia.org/wiki/Philip_S._Abrams

Roger Moore: https://en.m.wikipedia.org/wiki/Roger_Moore_(computer_scient...

And Lawrence Breed

https://en.m.wikipedia.org/wiki/Lawrence_M._Breed

He died within the past year. We need to interview more of these people before they are gone.
List of highest-grossing films

https://en.m.wikipedia.org/wiki/List_of_highest-grossing_fil...
It would be unwise to ignore the trajectory, a.k.a. rate of change.

In general, when looking at some phenomena, don't only look at the primary measurement (e.g. f(x)). It is often useful to look at the derivative (e.g. df/dx) as well.

P.S. The second derivative also may be informative as well. Keep going if you want.
that would be a great outcome! Sadly I think you overestimate the reach of PWAs.
No, it's value should be 0 because climate externalities are higher than any potential non -speculative value it can provide.
npm works around some problems like this with a concept of "peer dependencies" which are dependencies that can only be depended on once. The typical dependency, though, is scoped to the package that requires it.
> we can assume prohibiting bankruptcy drove the number of delinquent loans down even lower,

Prohibiting bankruptcy doesn't drive delinquent loans lower.
Perhaps you could put some useful information in this anecdote by telling us what keywords we would need to give to a bar referral service to get a lawyer with your particular expertise?
The primary problem with student loans is needing them in the first place.

We as a society (and taxpayers) should not help people pay rip-offs, whether they be those perpetrated by colleges or those perpetrated by insurance companies. We should be stopping the rip-offs themselves.
When college costs are reasonable, kneecapping your credit for 7 years right as you're entering the workforce is a big headache.

But preventing people from discharging student loans in bankruptcy means that there was no pressure to keep college costs low, because there's no reason to be cautious with giving enough loans to cover exorbitant costs.
Well put. I absolutely loved my CE work in university. I loved doing digital logic design, living in state machines, and programming in VHDL. I loved how highly deterministic it all felt. I loved the Mentor Graphics software and seeing a visual representation of my code.

For me, on the East Coast of the US, there didn't seem to be many jobs at the time and I wasn't feeling moving to the West Coast where I assumed the jobs would be. In the end I went down the software track for my career and feel like it would be impossible to get back into this. I can probably get my kicks by playing with a Raspberry Pi but I always wonder what that alternate universe would have felt like going down the CE career path.
Since it's nearly impossible now to discharge student loans in bankruptcy, lenders have 0 incentive to do any due diligence on borrowers. Quite the opposite, their only incentive is to get students to take out heaps of loans that will keep them in debt servitude for a lifetime. This is why you have cooking schools, where most jobs barely pay more than minimum wage, charging many 10s of thousands of dollars but all students can get loans.

If bankruptcy was a possibility lenders would be much more cautious about tuition rates and potential for a borrower to actually pay it back.
I had this experience recently. Had a $1000 charge for “AE.com.” Go to AE.com and it’s American eagle. I didn’t spend $1,000 at AE.

I was all ready to dispute, but then checked my Apple wallet, and I saw the charge at Allen Edmonds. Yeah Allen Edmonds truncates it’s online orders to “ae.com”
TOP500 List – June 2022
It does have a public method, __len__(). It’s a protocol method that’s more discoverable than size/length/len/count or whatever other ad-hoc name.
What I mean by this is how can we still use "assembly looking code" without separating ourselves too far from the reality at the end of the day all computers are running machine code... hope I make sense X)
This could have extremely negative side effects.
A really expensive house on cheap land in some exurb would be comparatively cheap, thus encouraging sprawl.
Old, cheap high density housing in desirable cities would all of a sudden become really expensive, hence massively acceleration gentrification.
and way bigger. Those cities are mostly new, relatively seen, the population exploded not so long ago. Medieval cities were small towns in comparison.
I don't know what type of fragmentation you're referring to, but at least this act requires them to allow communication between companies (i.e. what phones were created for in the first place).
It’s even more exhausting having products and services I like handicapped by regulation because an entire developed continent is unable to produce any competition to contribute to the industry. What are you even doing over there? It’s like your politicians are the only ones at work.
So it's basically taking an interest-free home equity loan against the property, in a round-about way? You're basically de-valuing the property since whoever buys it next will have to pay a lump sum in taxes to take ownership.

I guess that doesn't matter to you if you're dead.

What happens if the deferred taxes exceed the cost of the house?
How failure to generate income on their degrees is a lender's problem?
Clearly,there is an issue with inflated costs of getting a degree and finding a job with a low-demand degree, but why try solving it at the lender's expense?

And how is it related to the friendly fraud issue?
The last time I had to rent in Boston I just hired my own broker to do the search - While I still paid the fee, the landlord's agent only got half of it (primary goal) and I didn't have to filter through Craigslist scams
If I have $10M to spend on property to take out of the market and hold for a period, do I buy where it will cost me 250k per year in taxes or 50k per year in taxes?
Well, first of all, I didn't say it was the only cause for depression; it's a condition that comes in lots of different flavors and this is only one.

Second, to elaborate a bit more, having to constantly manage your brain in order to get it to do what you need can be exhausting. Any success you achieve feels like it's extremely tenuous, and I'd say most AD(H)D people have had an experience of doing well for a while and then everything falling apart. So nothing ever feels safe. The negative feedback you get will tend to reverberate much more loudly in that environment than the positives.
Out of curiosity, would you pronounce S-RAM as sram?
Right now we have lots of income tax, but most countries have very low land value tax/property tax. This means you don't "own" all the fruits of your labour, but you "own" land, which derives its value from the labour of society as a whole around the land.

The Georgist proposal is that you should own all the fruit of your personal labour (no income tax) but that the proceeds of the labour of society should be returned to society at large, through a land value tax that captures the rental value of the land.

The current status quo in most countries is that you can own a piece of land in the middle of a metropolis and do no labour, and yet reap significant reward. This is in essence a theft from society, as the citizens of the metropolis are labouring and building capital that creates value for the piece of land, yet the land-owner proportionally does very little to create value for their land. If you want to discourage theft and encourage keeping the fruits of your labour, the Georgist proposal is fantastic.
Value is not competition in the market.
Archive.org Seeks Summary Judgment in Lawsuit Filed by Publishing Companies
“31% of employers ran credit checks on some applicants, and 16% checked all applicants' credit.”

Which understates things as larger companies are more likely to run routine credit checks.
FogBugz is now part of the IgniteTech family
That's kinda arguing for keeping people chained in the basement because they have a high chance of getting mugged if they get outside.
"At Visa, our goal is to reduce all types of fraud in the ecosystem"

Bullshit. If that were true, card providers in the USA would be using chip-&-PIN the way the rest of the world has been for 10 years or more. We finally JUST got cards with chips in them... which are largely neutered by the idiotic continued use of SIGNATURES (or nothing).
I'm also a British English speaker, and I almost always hear "D-RAM". It's been a while since I'm encountered someone using "Dram".

On the other hand, I've always said "Prom" instead of "P-ROM" (for programmable ROM). I've never considered why there is a difference.
> CNN will retain a power to mislead far in excess of Twitter bots.

The major mistake here is thinking that these two things are mutually exclusive competition. They're not.

In 2015, an internet rumor started spreading that Obama was going to invade Texas. This rumor was based on the fact that there was a routine military training exercise taking place in Bastrop called Jade Helm. It started on Facebook and was quickly picked up by the mass media. These rumors became so viral that the Texas governor activated the Texas State Guard "just in case".[1]

Later, the US government alleged that this was a planned disinformation operation carried out by the Russians and was a precursor to later operations.[0]

Twitter and Facebook started the conspiracy, but mass media laundered it and made it look real enough to get a governor to act.

0: https://www.kut.org/politics/2018-05-03/jade-helm-conspiracy...

1: https://www.texasmonthly.com/news-politics/russians-sowed-di...
TOP500 : https://en.m.wikipedia.org/wiki/TOP500
I have been hit many times with unintended auto-renewal. The merchant hides a clause in terms & conditions that the subscription will be auto-renewed upon expiration, then at the end of the year, wham! you get hit with an unexpected charge. Then you have to call the merchant to cancel, be on hold for 30+ minutes, the whole rigmarole.

What is Visa doing to protect the consumer in this case? Auto-renewals should always be explicitly opted-in by the cardholder.
The legal changes started in 1976 and got progressively stricter. Since then, college costs and student loans have skyrocketed.
This is a highly idealistic and naive caricature of scientists (I used to be one)
Some of the writeable CDs I made 20 years ago are still readable. (Some contained music digitized from cassettes that were already 20 years old ... not in very good shape either.)

In 2005 I ripped hundreds of commercial music CDs to 192k mp3s on a new 80G SATA drive. (Kept the CDs in Logic cases - seem to be fine.) For 12 years that drive sat untouched in a cardboard box, in a closet. Then put it into an external USB enclosure and copied all 45Gs to my then-current HD. All good. (That little-used 80G HD failed within a year.) Since, drive-to-drive.

OTOH the B&W family photos from most of a century ago (the bulky albums thrown away) seem as good as when I first saw them.

Like most of the writings of the ancient Greek philosophers, culture is always transient. As were films on nitrate. As are most consumer 'easy solutions'. Archiving & preservation rewards the effort. Thanks mostly to the efforts of the old-time-radio fans, I can still listen to shows from the 1930s.
As someone with an online business, I welcome this.

99% of the chargebacks we see are first party fraud. We lose these disputes even after providing evidence. We've found and submitted Instagram posts of the customer wearing the item they claim to have "not ordered" or "never received". We've had customers communicate with us how much they "love" the item after receiving it, only to file a first party fraud related chargeback months later. No matter what evidence we provide, they always side with the customer.

I don't know what world people are living in, but as a business we have never won a chargeback dispute.
Honestly, then Allen Edmonds has no one to blame but themselves. That’s insane.
The problem is that this area is so small that most people don’t bother with the niche. However I don’t wanna be completely unhelpful, so I would encourage anyone who’s looking to look for someone who has experience with “FCRA” cases.

That’s a really big niche And should turn up lots of attorneys, but there are some similarities between that type of practice and this other type of consumer protection practice. So even if they don’t have direct experience, they should still be comfortable in that realm.
> This includes customers refuting valid purchases such as long-forgotten recurring subscriptions, or children given access to use their parent’s card to make purchases with parental approval.

> Those ramifications for merchants include losses that can be up to double the original transaction amount

Is there a better argument for this that they're failing to make here?

Because if I take this at face value, I feel like if your business is racking up so many of these charges that it's affecting its bottom line, maybe it suggests your business is itself the problem? Why is your business surprising customers with charges if it's actually providing them with something of value? Doesn't it sound like your business relies on tricking people into forgetting to cancel subscriptions in that case?
a sitting member of US congress is refusing to pay off her loans, and is trying extremely hard to get loan forgiveness done by the president, and is seemingly(my speculation) not paying off, even the minimum amount, as she (again, my speculation) seems to bank on the loan forgiveness happening. She drives(or was it sold?) a Tesla, but wouldnt make minimum payments.
> Similar technology has been around for a while and so far it's only generated a few laughs and some use in the film industry.

Humility and less overconfidence, please. You aren't omniscient. You aren't in every room where these technologies have been discussed.
I genuinely do not think about it. I recognize this might make me seem ignorant. But I really don’t care and am not interested in the topic.

I recycle both paper and plastic, I keep my products in energy-saving mode, I don’t litter, and try to keep my personal emissions down. But that might be more cultural than a genuine fear or worry of climate change.
What’s the historical name resolution quirk?
For a period Waymo was selling it's in-house lidar sensors that it called "laser bear honeycomb". So the headline threw me off, and I was wondering why The New Yorker would care about such a thing.
The Wikipedia article has a considerable number references. Your claims don't.
Allowing longer description lengths would be a huge improvement! Most chargebacks we see are "didn't recognize transaction", then we explain what the charge was for, and have to go through the chargeback cancellation process (which is a whole ordeal in itself).

On that note... Why can't customers cancel a chargeback as easily as they can create one? The whole system is a UX nightmare for all parties involved.
From the article:

> Those ramifications for merchants include losses that can be up to double the original transaction amount and increase a merchant’s chargeback ratio, which can impact their business and their bottom line.

I wish it were only double.

On a $50 digtal purchase, Stripe will charge you $1.75 in transaction fees but losing a dispute costs you the $1.75 in addition to a +$15 dispute fee that Stripe charges. Even if you can prove that the customer used your product with tons of usage logs and you even have a log of emails where the customer is asking questions that can only be asked if they used your product chances are you'll lose the dispute because most card vendors want to keep customers happy even if it means screwing a small business.
> For example WhatsApp has many many better alternatives, which have better features and better privacy, but it still the #1 because of the monopoly it has on communication.

No, it’s because users don’t feel the need to switch. I have uninstalled WhatsApp 4 years ago, same time when I deleted my Facebook account. Haven’t had a single regret. When people ask me to contact them via WhatsApp, I tell them I don’t use it. Anyone can do that.
Not OP but am a born and raised American. That civil war that was a freaking 160 years ago! In what aspect would a civil war today be any similar to that one?
The status quo remains.
thought it was just me. good read.
You know, laws in general get in the way. You need to understand them, hire extra people to observe them. We need lawyers and courts. The laws are inefficient if not just straight up outdated, but you're still required to observe them.
trash software and a trash company that can’t make money that won’t be around much longer
I don't think that's even remotely what will happen.

> This model took over a month, on extremely fit hardware, to even create.

In a year kids will be training them on colab. This technology is moving so fast, it's jaw dropping. If we went back in time just ten years and showed ourselves this stuff, we'd think it was magic.

> why are they creating content?

Why does anyone post anything at all anywhere ever? Why do people edit photos and videos? Because it's human and people want to communicate.

> there is little to no monetary value to the content anymore (as monetary value inversely correlates with scarcity)

Maybe, but there's still a "search" problem in finding content that activates a response (and attracts the algorithm and views). Look at TikTok and YouTube. High rates of content creation. Immense value in both platforms. Lots of crap, but astoundingly good content mixed in. Enough to keep the whole world glued to it.

> So there is less incentive to create anything, because there is no monetary value to doing so

Nope. TikTok, YouTube, kids making Minecraft mods as a labor of love and hobby.

> content is already limited by budget

Per unit cost goes down by orders of magnitude. I don't see this resulting in less production.

This is a Henry Ford moment.

> What I think is more likely to happen - a few, "blessed" individuals will have out-sized content creation capabilities, without much need to innovate.

The market would disrupt this so fast. There's no ways these tools won't find themselves in the hands of everyone.

> Disney will use these systems, and they will use them to churn out more garbage, faster, on average, most kids will not be generating any movies in an afternoon.

Kids already make their own narratives in VRChat, Minecraft, and Roblox. The next systems will be a holy grail for them.

I'm interested in looking back on this thread in ten years. I think my predictions are correct.
As Yogi Berra probably didn't say, "Nobody goes there anymore. It's too crowded."
Actively participate in discussions with locally elected politicians could be a useful thing. Supporting those who help track the progress here can also be useful - do we have a website which e.g. lists American federal politicians stance and actions regarding climate? Do we have some news sources which track initiatives and their evolutions?
You use a web app to interface with it. Agree going from DALL-E 2 to Midjourney is pretty painful. Hopefully Midjourney create a web UI for it like OpenAI/Craiyon.
I'm sure there's companies in Europe that have on-call shifts, but I've had several jobs now and the only company that ever asked my team to do on-call outside of regular working hours was a US company and we had to explain to them how German labour laws work (specifically that you have to pay people for being on-call and that there are legally required rest periods).
I'd have preferred "hungry" instead of "greedy".

"Greedy" conjures images of ravenous VCs exploiting startups.

"Hungry" sounds like they have a healthy appetite for investing.

Just MHO.
> We as a society (and taxpayers) should not help people pay rip-offs

The solution here appears to be that the government should not be involved with subsidising or backing student loans at all. Then you have a free choice - invest in student loans if you want to "help people pay rip offs" or don't if you don't.
Unfortunately, the notion of bullshit jobs extends beyond jobs that are simply low value within a company. Whole organizations within a company or entire companies can be considered bullshit.

Many of us on this site are most likely contributors to bullshit. How many of us work on something that is tracking and spying on people with the purpose of selling or using that data to manipulate them later?
Why stop there?

How long until AI can measure my brain response and adjust the script in real time to make the film less predictable, more exciting, relaxing, humorous or engaging based on how I'm feeling?

It's not a massive leap from what you described.
I have the same credentials but I've never encountered anyone pronouncing it as dram. Only D-RAM and S-RAM etc. Although the bike brand SRAM is pronounced as sram, which is fun.
Congratulations. You have accidentally proven my point and they won't do business with you again with that chargeback, hence why I have said it hurts both the consumer and the merchant. They will just edit their terms of service policies for refunds and add chargeback protection on top of that and any chargebacks will result in a terminated / banned account.

I have seen many have dared to do this with digital purchases and subscriptions. For instance many have tried to services from Sony, Nintendo, Microsoft, Amazon etc and as soon as the customers got their money back, 99% they were crying and complaining that their accounts got locked and banned immediately and lost all their digital purchases due to that chargeback dispute they filed against them.

As for the merchants using Shopify, PayPal or Stripe, the moment a merchant receives tons of fraudulent chargebacks from consumers, they also start crying here on HN about their accounts and funds getting locked.

So over time, the merchants will edit their refund policies to make sure that it will be even harder to get a refund next time and put in place whatever chargeback protection systems that the payment providers have in place for these merchants hence why it hurts both of them.
It’s about to happen again with the CHIPS act, giving away something for nothing to Intel.

As MLK said “We all too often have socialism for the rich and rugged free market capitalism for the poor.”