skysight-inc/HackerNews huggingface dataset:
...In the US.

Outside the US, credit cards are much less common outside the US. The alternative to credit cards isn't CoD, it's debit cards, which are connected directly to a bank account. Merchants love debit cards because they have near-zero transaction fees.

You don't need credit card for chargebacks, just strong consumer protection laws that permit the bank to claw the money back from the merchant.

As for fraud, I don't have any data, and I'm sure there's plenty, but we have had chip-and-PIN in Europe for decades, and for more than a decade cards have been protected with 3D Secure and similar types of mandatory 2FA, so having the card number is not enough to complete a transaction.

People seem more wary of accruing debt in Europe; it's easy to lose control over your personal finances with a credit card. But we have middlemen like Klarna now that offer credit-card-like payment deferral. Klarna appears as just another payment processor, but takes on all the risk, similar to a credit card company.

The only thing I miss from US credit cards are cash back rewards.
> they can't clean out all your money if you don't tie all of it to the debit card, just put a months worth there at a time and you are better off with debit unless you get your debit card stolen every year or so.

You can set up daily/weekly/monthly limits for debit cards, and separate ones for online purchases, physical terminals or ATMs, if you want.
https://en.wikipedia.org/wiki/Zelle_(payment_service)

> Zelle (/zɛl/) is a United States–based digital payments network owned by Early Warning Services, LLC, a private financial services company owned by the banks Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo.[1][2][3][4]

Those are all the biggest banks, so they probably have all the transaction information anyway.
Nobody's stopping you from doing manual art. You can enjoy it all the time. The AI tool is for fooling around, or to illustrate a personal project with zero budget for art, or to make indie games, or to get people in search of inspiration unstuck.
Generally agree that whataboutism is often unhelpful and how Google operates doesn't excuse Apple but that's not what was asked. The question was "This is the level of support you get from a trillion dollar company?", so someone coming in and pointing out that it's the same or worse at other trillion dollar companies is answering the question.
Exactly, it’s redistributive to the public good. That is, productive.
A layer on top of Bitcoin, which uses Bitcoin transactions that can be broadcast and finally settled at any time is definitely Bitcoin. You can say it fits your subjective definition of Bitcoin until you're blue in the face, nobody uses BCH except people who are scamming or have fell for the scam.
What you're describing is accrual accounting (accounts payable/receivable). It is one method of bookkeeping, but a lot of other businesses tend to use cash (which deals in absolutes, you spent 5, you earned 5, etc).
Power companies will just switch to charging a high monthly grid interconnect fee. And people will pay because no one wants to "run out of power".

This is already proposed to happen in California:
https://www.solarreviews.com/blog/california-net-metering-ch...

"It also adds a monthly Grid Participation Charge of $8 per kilowatt (kW) of solar to the bills of all people who go solar after implementation of the new rules, costing the average homeowner almost $600 per year, or $15,000 over 25 years."
I think Japan and the Netherlands have something similar.

It’s fairly limited in Japan at least, but it does a lot to offset property taxes.
It may not be a freebie for landlords, but it is much more "cost neutral" or "tax neutral" to own an investment property than to own a primary residence. Consider:

Investment property:

* Deduct maintenance costs

* Deduct insurance costs

* Deduct property taxes

* Deduct mortgage closing costs

* Deduct mortgage interest

* Deduct HOA dues

* Deduct property management fees

* Take advantage of depreciation deductions

* Avoid paying cap gains taxes on sale using 1031 exchanges

Primary residence:

* Deduct property taxes (only on federal taxes, and only up to $10k, assuming you don't have other SALT to deduct)

* Deduct mortgage interest (only up to a loan value of $750k)

* Avoid paying up to $250k in cap gains taxes on sale

Doesn't that seem incredibly lopsided to you? The current tax regime makes it very attractive to own an investment property, but a basic need -- housing! -- doesn't give you much in the way of tax breaks. And the breaks that are there, are capped.
Having two accounts, one to store your money, and one that you move money into for payments as needed would offer the same protection.
A tiny, simple, dynamic type verifier for JavaScript [Gist]
Yeah I'm starting to notice how pre-release slowness is hand-waved away... but the reality is that they may not actually fix it in time for production (or ever).
But it's available to everybody in Europe regardless of what bank or other service they use.
In Brazil we have pix: https://business.ebanx.com/en/resources/payments-explained/p...

It is mostly a novelty here. It allows simple payments to be made using a smartphone, smartwatch... you can use an app to transfer money from one person to another. Basically everybody is using it now. You can buy popcorn in the streets and pay via pix. In many places it is common than paper money and, I think, it is already more popular than credit cards. It also pays much less taxes.

I do think the credit card duopoly can be broken.
SE Asia has plenty.
Out of curiosity, how do European banks avoid this issue? If my debit card or ACH info is compromised and someone drains my checking account, is there a way to use the stolen funds before the bank/court finishes their investigation?
Mr. Bond was a notorious neo-nazi rapper, calling it "political parody songs" is pretty misleading. For context: he was convicted of "Wiederbetätigung" (= glorification of national-socialism) which is a distinct criminal offence in Germany and Austria
> How about that principle of one person, one vote.

Reality, in my view, is absolutely chock-full of contradictions. I believe in the principle of one person, one vote; and I believe that what I said above happens also to be true. The dialectic doesn't care that we might wish things were simpler or more straightforward.
Perhaps. Adding...

The benefit of credit cards is...credit, and the ability of the card to abstract the idea of spending money away from the consumer. Few things exemplify "out of sight, out of mind" better than credit cards. The model is amazingly profitable as well. Like printing money, literally.
> The fact that it happens to execute without bugs and produces the correct output is far less important than the code being readable, comprehensible, and consistent as part of the larger system.

It's more important that a function looks good, than that it actually works?

I'm sorry, but that sounds stupid. A computer is a functioning machine first.

If it worked from the start, it wouldn't need to be fixed later.

You can always study someone's work to figure out how it works.
There's no point studying a system that doesn't.
Of course it does. The money they make comes from their counterparties, which is people entering and leaving positions - namely, everybody else.

It's not a large tax on each individual participant, but it's not magical free money.
This is a really great and interesting point.

We'd love to make Nimbus such a flexible platform that engineering teams can configure the Nimbus dev environment as close as possible to production environment. A few opinionated thoughts here:

- it makes sense that dev environment setup follow prod environment setup as much as possible (so that it's reliable to know code in dev environment works on prod environment, for example). However, on the other direction, prod environment should focus on solving its own problems (scalability, stability, etc..), so it might not be a great practice to set up prod environment following the dev environment;

- automatically importing prod environment into Nimbus is definitely a higher level of thinking once engineers can at least manually specify which package should be included in the dev environment (I love this one);

> Otherwise my prod packages and your packages will always be out of sync

From the dev environment perspective, we intend to not enforce everyone to use "our packages" (in fact, our built-in packages should be common ones with least surprises). In the future, we want to have a way so that users can define their own packages on Nimbus.

> Everyone here has been burnt by different version of operating system libraries, so stuff doesnt work properly

Not sure if everyone in your team has consistent dev environment, but just different from the prod environment; or everyone in the team also has inconsistent dev environment, which is also inconsistent with prod environment.

If it's the latter one, that's also a problem we are trying to solve - eventually in a team setup, there should be just one-time set up of the dev environment, and everyone else can just spin up a workspace and write code, without worrying about the version difference etc.
“The superseding indictment alleges that Assange was complicit with Chelsea Manning”

If you go past the pages of repetitive legalise, you’ll find that the specific “aiding and abetting” was that Chelsea sent him an NT hash to try and crack. Julian tried and failed.

That’s the “crime”.

Keep in mind he’s an Australian citizen who committed alleged crimes against a country he wasn’t even present in at the time.

Oh sorry… allegedly aided and abetted a crime.

Yeah. Totally worth a decade-long multinational effort to extradite a guy for failing to successfully use hashcat. Which any idiot can download from GitHub.
> Visa and Mastercard are the privatized court systems of the internet.

You make it sound like that is a good thing. They are loose cannons that time and time again have shown they shouldn't be trusted.
Interesting how in California you get to set your reserve.

Here in Massachusetts, when VPP has an event, it drains my Powerwalls down to 20% no matter what my reserve is set to. And Tesla's "Storm Watch" feature isn't triggered by the typical summer thunderstorm that causes power outages here in the north east. The result is that during the heat waves 2 weeks ago (8 out of 14 days were over 90 degrees F), we had several severe t-storms that caused power outages right after VPP had drained our Powerwalls to 20%. Thankfully all of them were short duration for us (an hour tops), although half our town was out of power for 12 hours after one storm.
> but not really on the same level

It's not, of course. It wasn't my intention to portray it at such (which is why I didn't pile this on as a top level comment).

I did think it was interesting to bring up readily available examples that show we're not done with (pretty open) authoritarianism, even in EU countries. I guess it's similar reason why jfax commented about UK tweet jailings.
It does appear to me that America and the rest of the West are diverging on this issue. We do not criminally prosecute people for political speech. Even speech most of us find abhorrent. We draw the line at inciting violence.
Do we actually have strong evidence that these sorts of tax breaks actually stimulate this kind of economic activity to the degree where it's actually worth it?

It... doesn't seem like we do? I mean, it's not like pre-1990 we had skyrocketing unemployment and underinvestment in business, and lowering capital gains taxes fixed it.
Outsourcing has dramatically increased inequality in the United States.

Try again.
Still waiting on that evidence that Bitcoin hasn't had 100% uptime since the fork and that one node took down the entire Lightning network. Come up with some evidence that BCH is being used anywhere while you're at it.
Balancing this against the cost of whatever "green new deal" would be required to get there, it sounds like serious climate change mitigation is not worth it at all. Also, it's important to note that changes in GDP correspond to human lives: increases in GDP affect longevity, birth rates, and rates of accidental death.
Thanks for the examples!
I recently sold my 31 year old Miata and they last well.
The way I read it is that $25 per month is only for RTNs that can receive credits. If you just want to pay for things (like a credit card) then you don't need to pay any subscription fee.
I am an online merchant. The visa Mastercard fees are enormously high, so not. We are not "happy to pay it". The 3% is not to cover any consumer protection, that cost is born by the merchants. When a dispute is made by a customer, the merchant is assessed a fee, and almost always loses the dispute. The fees are so high that credit card companies give extremely high rewards back, which is in effect a regressive tax.

In addition, visa Mastercard can cut off any business from doing commerce, and often do for political reasons.

A much better system is one with:
- extreme low fees (like 0.1%)
- consumers can dispute anything within x days and merchants have to issue a refund. No administration.
- any merchant with a bank account can use it (or similarly broadly available)
The US, due to fracking, is now a net exporter of oil most years. Hopefully with more electric cars in the fleet each year oil use will also decline dramatically. We should use that opportunity to distance ourselves from Saudi Arabia. Unfortunately I think one factor driving US engagement that is not often discussed is the tens of billions Saudi Arabia spends on US weapon systems each year, not just oil interest.
No one can drain ky bank account through my payment card either. For one, they lack the authorisation to do so, and for another, there's a limit (which I can change) to how much can be transferred per day.
Interchange yes, but that's only a small part of the price. Companies still have to pay 1-3%.
> E-wallets are putting your finances into a single point of failure. Tech people should know better.

Actually, multiple single points of failure.
Maybe I'm just an old curmudgeon, but it seems to me there's way too much emphasis on speed of development in general. Time to market seems to be more important than quality, robustness, security, performance, or any other concern.

Another thing that rubs me wrong is the recurring notion that we need to get rid of the text as a representation of code. I've yet to meet a mathematician who wants to get completely rid of formulas because coming up with a proof is slow and cumbersome.

I understand that the incentives are drastically different between academia and business, but perhaps we've gone too far in this particular direction. Perhaps it's okay to admit that programming isn't as easy as we all want it to be and it's okay to take the time to change things carefully instead of moving fast and breaking stuff.
Part of the idea here is that debits = credits is a cleaner way to depict balances 'netting out to zero' than using positive or negative balances.
> Good cryptocurrencies (like cryptonote, zerocoin, etc.)

Ah, you've got shitcoins to hawk.
Yes. There is a huge divide between online and offline.

For online your choice is to poney up the fee or not get paid at all. You’ll also probably target a wider audience and region restricted payment networks become less viable.

Offline credit cards processing currently has super low fees, but it’s also a field where there is already way more competition than VISA/Mastercard, in particular there will be national card networks, and prepaid NFC that rise up as an alternative.

> Restaurants can't conceivably introduce a non-traditional payment network as their exclusive provider.

In my experience they do. They always have cash as the fallback, so they can pick and choose more freely than other businesses (think of all the restaurants that won’t accept anything other than cash)
They pay $2/kWh. A powerwall can export 7 kW with a capacity it 12.5 kWh so you can make $25 in a little under 2 hours if you let them drain your power wall.

Prices infrequently get to $2000/MWh so I expect most years the powerwalls would not be called upon at this price level.

It is weak that they only pay for energy delivered instead of being available to deliver as reserve, but I am sure that will come once the technical details are ironed out.

The downside of this type of tech is that it adds a dependency on the internet for reserve power.
I found some numbers for total PG&E generation in 2017 and based on that 675mWh would be about 10 minutes worth of power.
Is cheap labor the driving factor, though? I vaguely recall that the labor cost alone in China has not been the largest competitive advantage as the cost has been increasing steadily over years. Instead, it was the complete supply chain in China that out competes other countries.

Bloomberg also reported an incident: Jobs wanted to change the cheap plastic screen to glass, and Foxconn was able to recruit more than 8000 workers overnight and completely reconfigured their assembly line to fulfill such request. This level of efficiency used to belong to the US. I really hope US can revolutionize its manufacturing for this century.
Meanwhile Trump had top secret documents at his house while a private citizen that he wasn’t supposed to have there even while President.

What do you think his punishment will be? A decade in jail? Having to flee to another country and hide in an embassy to escape extradition and torture? No? Why not?

Upsetting people in power is a “crime” in every country, with the corollary that the reverse is not true: people in power can do whatever they want to the weak without fear of consequence.

If you think otherwise, come back in a few months and comment below about how many years in jail Trump got for actually doing something much worse than what Julian failed to do.
Indeed.

Exploit researchers themselves are quickly top priority targets. Understandable if someone wants to remain anonymous.
8 years later and this is the first time I've heard of it -- doesn't seem to have caught on in the US (at least not at the consumer level)
Predictability in cash flow and free rewards in India. Most places do not charge extra for credit cards and nor do you pay annual credit card fee in most cases.

It's an interest free loan for upto 45 days. Many banks will provide 3.5 - 6% interest without risk. If you spend a lot monthly, it's a free nice dinner every month without doing anything. If you can use the capital, it can be worth more.

They provide free lounge access and food at airport + concierge service for discounted bookings at hotels.

Chargeback protection is necessary in India.
It seems like event cameras are going to rip this wide open and not require crazy cooled down slowmo cameras:

https://en.wikipedia.org/wiki/Event_camera

Could end up in a world where every cellphone can turn anyone's windows into a microphone or something.
I know I’m just ranting into the wind, but I wish it was illegal/ban-able to bring up the Bay Area (and NYC and Austin) in high-level discussions of the American real estate market.

It just kills the discussion because it’s such an outlier.

I would not be a popular king, but it’s better to be feared than loved, I guess. I do understand what site I’m on.
> years ago

No longer the case obviously but more importantly, Apple studied themselves and found they were only saving 10% in costs? This makes no sense lol
Depreciation lower bound at current market value would do a lot here.
So far, none of the machines have passed the Nevada Gaming Commissions inspections. That would be the minimum criteria. Machines that don't at least pass this level of scrutiny (all of them) are not something you can trust.

That commission has long experience inspecting devices to ensure that they are fair and impervious to unobservable tampering.

Once someone actually manufactures such a machine, then it needs to be used in a system that can detect fraudulent behavior, just like banks do. The system must require an official id, and must ensure voting privacy (sorry - mail-in ballots fail on both of these). It does no good to have a great machine if it will be subject to adulterated or coerced input.
Do you think they care? Everybody's lining up to buy their oil and won't stop any time soon. We even sell them weapons.

They're an evil empire, we're a bunch of selfish hypocrites enabling it. I don't know who's worse.
The question is to what extent it's an accurate characterization.

There are two levels to this:

Kernel development / HW specific support. This is mostly being done by people unrelated to any distro, or unrelated to Pine64 at all. (linux-sunxi community, Google, linaro, bootlin, lima project, libreelec, and various individuals) One exception is Martijn, who did initial bringup for Pinephone Pro, and Mobian's maintainer. Nevertheless, vast majority of ongoing improvements, bugfixes, and HW support work comes from outside of mobile distros, and always did, even the work focused directly at the Pinephone SW support. And these efforts were not supported by Pine64 in any comparable way to how distros were supported initially.

Then there's userspace application work, and integrating all the normal user facing SW into a cohesive whole. This is where the distros come in. I don't know much about struggles with that.

So yeah, don't forget that TFA is just a view of one person, and the sky is not falling. (well, aside from the war, and energy crisis, ... but hey)
This. I'd happily pay the IRS $30 if they could send me an itemized tax bill, that I could either attest to and pay or contest.

They have all the information they need on me, they double-check my work, just do away with the whole dog and pony show.
I find it odd that these articles are written in English and why they would be even be posted here. Someone was offended what India's 76 years of independence means.

But since this is already here, here's my take.

There's no benefit for a woman to be mother nowadays, let alone being a widower or in an abusive household where the woman needs to rear the children while bearing the brunt of all the violence from the husband, and it's perfectly legal to do that in Russia. I think even abortion is illegal in Russia, correct me if I'm wrong.

Communism didn't emancipate women, as it claims, yet.
Sure, let's go rewrite millions and millions of lines of functioning code. Want to volunteer?
Touchscreens in cars just add yet another layer of abstraction to the user, rather than permanent controls.

You have to wait for it to boot, button layouts change in different modes, it will be updated by the manufacturer.... All these things add to a feeling of less control which is not what I'd like in a manually driver car