skysight-inc/HackerNews huggingface dataset:
Firstly, I assume this only impacts chargebacks that come under the "fraud" category. Where a consumer just tells their card issuer "it wasn't me", but in fact it was them. Ok great...

The chargeback "defence" or "arbitration" system for both parties is a joke, that's the real problem that is being glossed over here. And that includes systems with decent UX (eg. stripe).

As a merchant, if a user puts in a fraudulent chargeback, you can currently defend it with all the evidence / proof in the world - and the card issuer can still process the chargeback. The incentives are aligned for them to do that in fact.

As a consumer, chargebacks are an incredibly important mechanism. But equally the evidence you provide is normally just for the card provider. That information is never passed onto the merchant, just the high level "category" of the chargeback. The merchant has to guess at what actually went wrong, or reach out to the customer and ask them to provide all the same information over again. If a user made a genuine mistake (eg. Didn't recognise the transaction), there is no "cancel" button. There is a whole convoluted process for withdrawing a chargeback. The saving grace for consumers is that card issuers just tend to side with the end-user. The merchant is left clueless as to what the user's real issue was.

But the unspoken downside is that these cases end up in small claims courts, that are a drag on the court system, and potentially end up with the end user having a court judgement against them because they provided some misleading information and didn't realise the consequences.

There has to be a better system - I'm just not sure this change is it. It just shifts the category of fraudulent chargebacks to a different one.
"The brief period of government control was far from the bumbling bureaucracy anti-Socialists would have us believe. During the four years of government ownership, General Motors stock rose from a measly ¢.47 to $32.55. GM sold over 6.5 million cars in 2009, followed by 8.39 million in 2010, and 9.025 million in 2011, returning it to the top global producer of automobiles."
Unless you have an existing presence podcasting follows the rule that "it takes 10 years to become and overnight sensation"
What's your source data? I am currently working on standalone map renderer written in Nim. My source data is are vector tiles and it works reasonably well...
Yes, I can’t believe adults allow themselves to be treated this way.
This "inherently relational" trope, in my view, is a sign that we've all deeply normalized normalization in our brains.. it's funny it's even in the nomenclature.. "normal". Yet denormalization is how our brains actually think: is it possible that all along we've been contorting ourselves to the 1970s machine and that that's no longer necessary?
See, all of you disagreeing with me are doing the thing where you're pretending to be top down benevolent dictator (or better yet, playing a game of SimCity.)

I'm not. I am suggesting that if you took the world as it exists today, and strongly turned down the volume on "everybody has to work," the world would improve, and that labor at the end of a pointy stick is not necessary to keep things going, and generally makes things worse.

Yes, the mix of goods and services could perhaps drastically change. E.g. if you love throwing away your 3 year old iPhone for a new one, I'm sorry, you will suffer; you'd probably have to deal with repaired phones with interchangeable parts. I think that's probably a better place.
Land appreciates either way.

It’s far more profitable to charge people 20$ to use 1/300th of an acre for a few hours than to actually do nothing with it. Which means the opportunity cost to build something is higher.

Unless the building is going to clearly be wildly profitable it may be better to stick with a parking lot.
100% and legitimately have nothing but respect for YC. Ponzi is definitely an overstatement which I used to make the point that in-network traction is potentially a risky signal of product-market-fit which was obfuscated when everyone was being rewarded with gobs of money for early 0->$1M traction.
It took effort to doctor and make fake images. This just makes it seamless.
I’m totally opposed to predatory student loans, but your point seems kinda light on logic. If the number of student loans being discharged was “infinitesimally small” and we can assume prohibiting bankruptcy drove the number of delinquent loans down even lower, why are student loan repayments considered a huge issue?
McDonald's didn't have the item I ordered for my kids and wouldn't give me a replacement or a refund.

I logged a support request asking for a refund. The franchise owner called me and said since the order came from the McDonald's mobile app he is unable to refund me --- he said, please file a chargeback instead.

This was under $5 and was auto approved by Chase as a courtesy credit but I wonder if, in the future, the fact that I've used the card in the McDonald's mobile app in the past means it would be auto denied?
100% - when interest rates are over 5% and/or gas is over $5, the delivery startups are toast. The economics just don't work. Especially when people start cutting back on conveniences.
You bought it to live in for 5 years and then you flipped it for more money than you bought it? That's the definition of successful speculation.
Every fall my grandfather and many others would travel to harvest wheat in the Canadian prairies. This was before tractors were a thing or common. Quite a few people were affected when one tractor could cut more hay than a dozen men could.
Notion is already profitable and has been for many years.
Americans seemingly can. Walmart and Target do healthy business, despite facing the big and fearsome Amazon. So does Shopify and Shopify’s merchant partners. So does my local book store (the French say it is impossible for bookstores to compete with Amazon without absurd anti-consumer protections).

Before Amazon was ascendant, I think it was Walmart that was the dominant player making sure a small company like Amazon could never grow to become competitive.

I don’t understand the European culture of making excuses for uncompetitive business when time after time the Americans, and increasingly the Chinese, show that it is actually possible to innovate and disrupt entrenched competitors.
Exactly. Getting paid less and therefore forced to relocate to a cheaper place is very detrimental.

You build less real estate equity. And there is less room for saving cash.

In general, living in very expensive cities is great for saving cash if your salary is proportionally higher. Saving 10% of a median Lisbon salary is a lot less than 10% of a median SF salary.
Hm, feels like I could have used this with my Gen 1 Phillips Hue, shouldn't have thrown that away I guess.
This isn't the case, there's 0 chance Facebook redirected people to instructions to pull this off
Scroll down until you see "US配列を追加" ("added US layout").
it is not a standard. a minority is trying extremely hard to make it so, mostly by throwing the complete list of accusations at anyone who doesnt obey. Most people dont want a confrontation, so bends the knee. Most people go along with all sorts of crap. Just look at all of the large atrocities done throughout history. How could they happen? The masses went along.

In time, if people do not oppose, it may well become a standard, but right now, it is not. It may well be viewed as such in the extreme bubbles of tech workers, but in the general population? not even a tiny tiny bit.
Im not sure which of my points you are addressing. Water rights are state specific, so as you say, individuals know there priority within the state. Most interstate conflicts are between the states as entities, and have a different means of reconciliation: equitable apportionment adjudicated by the supreme court when necessary. prior utilization plays a large part in equitable apportionment, but is not the only consideration.

If one state uses more than their water, they can be sued for damages by the harmed state.

Im still not sure how this relates to your original claim that there are too many water rights, or what you mean by "too many". too many for what? too many for water to be left for the environment? too many to count on your fingers and toes?
> children and grandchildren can inherit the artifically low property tax rates

Grandchild -> child is readjusted to market rate property taxes. Only parent -> child IFF both are and continue to be primary homes, does it receive the previous tax treatment.
i'm sure they will buy back in after the coming massive crash. buckle up!! hedge funds, too big to fail banks, major wall street firms etc. etc. are all going to zero. the Ponzi Scheme that is the US economy is coming to an end and Gamestop is the linch pin. thanks to illegal naked short selling there are BILLIONS of counterfeit GME shares sold short that MUST be purchased back. this will be the largest transfer of wealth in history.
Well, in some cases. There are actually industries where command models outperform market models and industries where they are competitive.

A mix of market and command is necessary. But this whole thing isn't really relevant because both markets and command systems have very wide variety in implementation.
When I interviewed there in 2017, when I (temporarily) lived in Argentina, I was told the role would pay $60k USD in Argentina pesos. Assuming they made no adjustments, In today's USD, my pay would of been $52k/yr due to currency value loss. Even in 'any market' their pay didn't make any sense.
As a subscription vendor, I can tell you I have never found or achieved the level of evidence required to successfully dispute a chargeback. I don't even bother anymore. This seems like a welcome change of attitude.
Not at all. The whole thing was a canard. And it makes total sense. Filing for bankruptcy is no small thing. The narrative was something like “people will just file bankruptcy“ but you don’t “just“ file bankruptcy. You destroy your credit for 5+ years when you file bankruptcy. So good luck to all these grad students getting a mortgage. Heck, there are a lot of jobs out there where filing for bankruptcy will weaken your chance of getting the job or outright exclude you. People don’t halfheartedly file bankruptcy.

And beyond those systemic barriers, believe it or not, most people aren’t looking to just screw over whatever entity On their loans. You think people want to screw over student loan companies because you exist in the current system where predatory behavior occurs, where you can’t discharge your loans in bankruptcy. As such, you are used to seeing stories about peoples lives being ruined by their student loans. That’s why people hate student loan companies. In a world where student loan companies weren’t so predatory and encouraged to be predatory by unfair bankruptcy exemptions, the narrative towards that might be completely different, and more favorable.

*Just to get a head of a comment that might be forthcoming, I am well aware that student loans actually can be discharged in bankruptcy. But they are given favorable treatment (for the creditor), and you have to make an above and beyond showing to have them discharged relative to other forms of debt.
having Michael Vandeman flashbacks
I had absolutely zero trouble on Windows 10/Ubuntu 22.04 a couple weeks ago doing mapping. I downloaded the JSON location data from my Google account and this is what I ended up with: cartopy + matplotlib + shapely.

I believe the examples for cartopy mostly work out of the box.

Can't speak for Mac OS but I assume all those are conda-installable there as well.
> They can afford high property taxes. Your elderly parents might not be able to.

Texas has an interesting solution to this. Homeowners over 65 can elect to defer the payment of their property taxes indefinitely, although the taxes eventually get paid when the house changes owners.
As I see it, the $1000+ I paid for my phone more than covers the cost of Apple’s R&D, and a few years of software updates. Apple’s balance sheet bears this out too.

> You knew the contract conditions and still signed it

I didn’t sign a contract. I bought something with my money. I don’t have an ongoing business relationship with apple. But apple still thinks they’re in the right to control what I do on my own hardware.

And wow do they make a lot of money inserting themselves into my financial transactions. All in the name of privacy I hear. Suuuureee.

Apple is cleverly using the iPhone as a moat to stop banks and other companies from competing with them on software for their devices. They know nobody else has the expertise and deep enough pockets to compete on hardware - and they’re using that to milk as much money through software as they can get away with. It’s just the same as what Microsoft did bundling IE with windows - except way worse because apple doesn’t even let you install anything else.

It’s a terrible deal for consumers and the EU is right to slap them down for it.
I wonder which Hollywood actors will come pre-licensed in Unreal Engine 6?
As expected, this is the "Just buy an extra phone, 4Head" suggestion that we always hear. (I'm assuming users would still want to access the apps and media they bought on their iPhone).

If switching from an iPhone to an Android device required the user to jump through literal hoops, on camera, Apple fans would probably complain about governments forbidding hoop-jumping clauses in EULAs.
It does when you get to do that job indefinitely, and perhaps have a whole career of doing that job in different places. Lots of bad middle managers out there have whole careers being bad middle managers.

Nobody gets to keep waiting tables or cleaning bathrooms if they are bad at it.
Bluntly, this is a completely fruitless, hopelessly inaccurate, and unnecessarily expensive way to measure and deal with CO2 emissions.

What's the easy, accurate, and fruitful way? Toting up the amount of fuel that comes out of refineries and coal mines multiplied by its carbon content.

Then, tax it, which will provide a disincentive for all uses that burn that fuel.
I don't think it's housing that's driving families to the suburbs. A normal 2 or 3 bedroom apartment shared by roommates could just as well house a family.
Imho it's more about safety, schools and amenities.
American inner cities have a reputation of being unsafe, both in terms of road safety as well as violent crime.
With schools being locally funded many families choose to move to less diverse and more affluent suburbs for the school district.
Lastly, many places in inner cities don't have parks and playgrounds within walking distance and thus no proper replacement for the suburban backyard.
I have literally never once seen a Prius as a taxi in the US.
> California just kept adding taxes everywhere else to make up the difference and still had an annual deficit most of the 13 years I lived there.

The state taxes were added to partially backfill the lost local taxes. Prop 13 was a major contribution to moving control from local governments (which it kneecapped fiscally) to the State (which it also kneecapped, because of the supermajority requirement to raisd any tax, but not as badly.)
Pick a topic you know something about that he talks about. Check him against that.

This is how I got into Caspian.

I think stringent objectivity is overrated anyhow. Id much rather read something biased and well researched than shallow and objective.
Top Gun: Maverick beats Titanic box office record
How does the algorithm decide what the side (and back) of a head looks like?
I'm guessing that possibility kept a lid on predatory lending, especially by for-profit colleges. For instance, if you know that your students have an option to discharge, then you'll make sure not to charge them enough that they see that discharge and stain of bankruptcy as better than just paying off the loan. It was a (dramatic, drastic, and undesired) weapon that consumers had in their back pocket.

Get rid of the safety valve, and then see what happens as the colleges realize there's no balance of power... you get the current situation.
How is it neutral if you offer a coinflip that pays 50% for heads and costs 33% for tails?

>To illustrate this concept, you could consider a simple coin-flip game where you make a 50% return on your money if the coin lands on heads, or lose 33.3% of your money if the coin lands on tails. This simple game has a expected long-term return of zero.
TOP500 List - June 2022 : https://www.top500.org/lists/top500/list/2022/06/
Well I didn’t have 25 pages to give you the full thesis. I mean, there’s a lot wrong with student loans, including predatory lending in the first place. But one subset of story you hear about are people who are followed for their entire lives by student loans because things never worked out for them in terms of income generation on their degrees. Those stories can be mitigated with proper bankruptcy protections.

There’s 1000 other things we need to fix with the system too.
> Requiring alternate App Stores will mean Facebook, Epic (Tencent), TikTok, and Scams R Us will all set up their own app stores.

Where are the these app stores for Android?
This guy isn't a writer. He's an entrepreneur.

He wants to be a writer because it has a social aura to it, it's a sexy career. But that doesn't mean he has the true mindset of a writer. At the end of the day he thinks like an entrepreneur.

He's already does what he should be doing.

On a personal note, I went through this multiple times in my 20s. I desperately wanted to be a graphic designer because I love design and thought being a graphic designer would be a really cool career. But I don't think like a graphic designer, I think like a programmer. I don't have that specific kind of creativity. So while I appreciate graphic design, my true talents are in writing code.
Yawn. Let me know when this applies to all locked down devices including video games, security cameras, cars, tvs, farm equipment, and so on.
The Origins of APL – 1974
I still cannot get my head around that people on the site called “hacker news” are advocating for closed systems controlled by trillion dollars companies being good.

I trust Apple to design their operating system to be secure, without having to lock me in.

And isn’t Facebook dead and not used by anyone?
Why not handpick his opponent? The tournament hasn't been great at choosing opponents, and the format of the championship sucks
Fake.com
>I care what the company is earning from my labor and getting my fair share. I have no problem extorting more from a company that has no problem extorting more from me.

This just feels naive to me. You aren't being paid based on what your labor is earning your company. That number is totally irrelevant in a world in which businesses can run on VC money instead of actual revenue. You are paid based of both yours and your employers next best alternative. The reason people in high cost of living areas have traditionally had higher salaries is because there are more jobs in high cost of living areas and therefore more alternatives for potential employees. It is easier for an engineer in the Bay Area to get a competitive offer than it is for an engineer in Akron, Ohio. That is why companies in Akron pay less, there are fewer employers there looking to hire developers.

While I understand all the arguments about fairness, we can't ignore that all these companies are purely responding to capitalist incentives. If we demand they pay employees the same regardless of location, the wage rate they pay will drop. This is because there are more developers living in low cost of living areas willing to work for that set price than in high cost of living areas. Why would a tech company hire a developer in San Francisco for $300k when they can get a similar one for $100k in Akron? That company isn't suddenly going to be generous and decide that the employee in Akron deserves $300k too. They are going to decide that cost of living shouldn't matter and maybe pay everyone $110k. Sure, that improves the situation for people living in Akron, but does it improve the situation for developers as a whole?
Nothing planned except to consider sea levels when making property decisions
Was hoping that they would address one big contributor to friendly fraud, which is that credit card descriptions are so ridiculously inscrutable that a cottage industry of fintech startups has emerged just to translate these ridiculous codes into something a human can understand.

I mean, I think we've all dealt with the "WTF is SQ *SMTHNSMTHN on my credit card statement?" issue. If credit cards just showed actual merchant names it would reduce a lot of these problems. Granted, there are some issues with privacy (e.g. most companies know you don't want to see "Butt Plug Emporium" on your CC statement so instead show "A Plus Billing"), but even then I think that issue is solvable.
The law is irrelevant. Most reasonable people would agree that that starvation or social alienation is a form of duress. The law doesn't, sure, but law and morality are orthogonal.
I wonder if The Rolling Stones will be around long enough to license AI-written and performed albums.
It disincentivises labour, yes.
I'm not familiar with this domain. Why is this called "friendly fraud"?
> This reads like you're allowed to attack people if they aren't part of a marginalized or vulnerable group of people.

ummm....

> Everyone has a right to use Reddit free of harassment, bullying, and threats of violence.

Do you mean that they stopped at _threats of violence_ without including "violence" itself?
If we're talking California, I'd argue a 200k down payment on a million dollar house is a bigger barrier.
As a 45 year old trying to break into the industry this gives me hope!
> In California, being a millionaire at "grandma" age is no more privileged than average.

[citation needed]
This is also a salient point. When these lenders know that they can lend out money, it will be back completely by the federal government, and it can’t be discharged in bankruptcy, they have very little incentive not to lend. That completely destroys the standard economics and considerations behind any type of credit
this is democracy? Seems like extortion and protectionism to me. If this affected any European companies I would just call it anti-business, but instead it's clearly xenophobia.
They’ll loose waaaay more money by removing their app from Apple App Store, even if they have their own.

People really don’t like extra friction. That’s why you see so much fight about getting stuff preinstalled.

Perfect example is iMessage - it’s years away other messengers, but it’s good snuff and it’s default so it dominates USA market.
Sure, but you can listen to him on a commute, some of us have those things again, and the push-"discovery" aspect (versus pull-rabbithole) of YouTube is useful "here is a topic that you seem interested in, why not fill in gaps of your knowledge during your idle time?
Wasn't this the entire point of wickr in the first place?
It's a well known problem. Chrome pushes tons of features into "web standards" since they have disproportionate power in the space, and then developers use the features because they are "web standards", and now there are websites that only support Chrome.
I have used Nix in the past and enjoyed it... for a while.

I will go against the grain and suggest not using it, especially for native projects of any kind (C, C++, Go, etc). In my case I was doing Go work, but the binaries that are built are usually alright, unless you require Cgo and libc gets linked dynamically (Go will do this without telling you). Suddenly that binary won't work on production! It broke my server and I had to force static compiling so Nix's libc wouldn't be linked dynamically.

This can happen in Go if you do something like look up the user's home directory or cache directory, etc. Suddenly your Go binary is dynamically linked...
A Message from José Andrés and World Central Kitchen