skysight-inc/HackerNews huggingface dataset:
Marcus.com locked me out of my account and retains control of my life savings
[Message for moderators : it seems like I am in the exact same situation as sherlock_h 6 in this thread : https://news.ycombinator.com/item?id=38135661 but the thread is closed now and sherlock_h 6 did not updated us on how/if the situation eventually resolved. If it is more appropriate, feel free to re-open this old thread and I'll post my message there]

Short version :
My Marcus account got locked when I initiated a large withdrawal corresponding to my entire life of savings. I have not been able to access my account since then.

Detailed context : I have had a savings account with Marcus since 2018. I recently moved to France so I needed to empty these accounts and move the funds to France. So I initiated transfers from Marcus to my Interactive Broker account via Direct Deposit (and was planning on using IB for FX conversion and send the money to France).

The transfers got rejected, and I was left with a message to call the support. I called the support and this is where it all started. They proceeded with regular checks to verify my identity (last 4 digits of social security, date of birth, …). As I do not own a US phone anymore, the number they have on file is that of a friend, and I was calling from my French number. After a few minutes on hold, they said that they were not able to verify my identity as the name associated with the phone number they had on file did not tie to my name. They were also not able to verify my identity with my passport nor with my New York driving license. I spoke with 3 different person, none of them was able to propose an alternative way of verifying my identity. I hang up and realized shortly after that my account got locked.

A few days later, I called them through the US phone number they have on file (having my friend calling on speaker), I answered all the security questions, and I was calling from the exact phone number they have on file, but again, they said they were not able to verify my identity. They said my case was under review and that someone would contact me in the next 2 days. Nothing happens over the next week, so I call again, go through the exact same conversations, with various contradictory and ridiculous answers from Marcus agents. In short, there is nothing they can do, no way to verify my identity, and that I should just wait for someone to contact me.

It's been 20 days, when I call they still say my case is under review and they retain control on my lifelong savings. It feels like a nightmare...

I read the suggestions in this other thread https://news.ycombinator.com/item?id=38135661 and opened a complaint with the Consumer Financial Protection Bureau 10 days ago, but I still haven't received an answer. I am planning on opening other complaints with the FDIC and Utah Department of Financial Institutions (as Marcus is headquartered in Utah).

Has anyone been on this situation and actually got it resolved?
Definitely true. Probably also worth considering that during a speculative boom there is a lot more turnover which will increase the proportion of properties sitting empty while they are on the market (not sure how significant this would be but another example of how a booming market can lead to a decrease in properties used as a permanent residence).
It's reasonable to assume. But it's wildly insufficient for either a prosecution or diplomatic consequences, especially given that all 3 also would apply to a trawler just intent on profiting from trawling.

I agree the odds are reasonably high Russia arranged this on purpose. And that's fine for the purposes of a discussion that doesn't have consequences, but not for much more.
I've done it both ways. Look into Data Sketches also if you want to see applications.

The pros:

-- Samples are small and fast most of the time.

-- can be used opportunistically, eg in queries against the full dataset.

-- can run more complex queries that can't be pre-aggregated (but not always accurately).

The cons:

-- requires planning about what to sample and what types of queries you're answering. Sudden requirements changes are difficult.

-- data skew makes uniform sampling a bad choice.

-- requires ETL pipelines to do the sampling as new data comes in. That includes re-running large backfills if data or sampling changes.

-- requires explaining error to users

-- Data sketches can be particularly inflexible; they're usually good at one metric but can't adapt to new ones. Queries also have to be mapped into set operations.

These problems can be mitigated with proper management tools; I have built frameworks for this type of application before -- fixed dashboards with slow-changing requirements are relatively easy to handle.
Please don't use stainless steel or other chromium-containing alloys as an anode for DIY electrochemistry!

It will contaminate your solution with hexavalent chromium as it corrodes.
I think there’s also the whole “the people with the wrist bands -want- them to work” part. Which is super helpful.

Yes, you could hide your band under your hand, now it’s not glowing like everyone else’s… congrats you feel left out.
If your operation includes communication over internet, bgp hijack is in your threat model (or your threat model is incomplete). I don't understand how "endpoints we care about may become unreachable" is not a big point for everyone. (Unless your business is extremely async and a day of delays is insignificant)
There is, since ever, a website with wifi routers and location

https://www.wigle.net/
CSS layers are completely unintuitive to work with. I really don't see the use case for them. I hoped to isolate Telerik styling with it but it only made it harder to override styling.
IMHO the stateful opaque token approach is simple enough that it can (and often does) get baked into whatever language/framework you’re using to write your app. In addition, the very nature of session tokens is such that the logic for what the token actually means/represents lives in your app, on the server.

So, that may be why we don’t see more “opaque session token” standards/libraries out there as an alternative to JWTs.

But if you want an existing example, Devise for Rails [1] has been around a while.

[1] https://github.com/heartcombo/devise
> Firstly I am legitimately surprised that Finland has HOAs. I had always assumed they were a largely American construc

The Finnish HOAs are a uniquely Finnish construct. They are in many ways different from the American HOAs, even though the name is the same.

> That said, I still it baffling that someone would try to exert control over what you do with the inside of your own home.

In the Finnish system, as a "homeowner" in a HOA, you actually don't own things such as... the walls inside your apartment. The HOA owns the walls. You own a piece of the HOA and the right to live inside the walls. But if you want to fix damage inside the walls, for example, you need the HOA to do that, because they own the walls.
This seems to be the rule in general with large companies.

They say it's because if such teams don't operate under secret protocols, the "bad guys" will discover the loopholes in them. But I rather suspect that this has more to do with evading legal liability.
I haven't read a ton of legal filings in my life, but I assume the copy-and-pasting of obviously irrelevant affirmative defenses (lack of copyrightability? statute of limitations??) is normal. Still, pretty funny. Anything that could possibly be a defense in a copyright case, just stick it in there.
Can you get a single machine with more than 6TiB of memory these days?

That's quite a bit..
> if properties didn't appreciate, old people would not have the assets to retire on, then what?

The younger generations will find that out.
> Anecdotally, in conversations with other drivers, it seems that far too many people overestimate their driving habits.

I mean, yes and no.

But there's side effects.

Haven't looked at TFA but unless they considered realities of condos/etc (my condo, parking is more like an apartment) that must be considered too.

If I don't have a way to charge my car at night I will hold on to an ICE with every fiber of my being, and at this rate unfortunately it's the just about-ish 12 year old 20-25MPG WRX instead of the 2.6 year old 37-45MPG Maverick Hybrid, based on downtime/repair cost if I had to pick one today.

As far as 'driving habits' mine vary greatly.

However whenever possible I take the Maverick for trips that can be hotshot (my current record is ~830 miles in 14ish hours with 10-15 minute stops along the way as needed.) Honestly with a good side crew I can do it all myself while clearing my mind (i.e. spare cycles while focusing on driving, I think about baggage.)

I honestly don't know if I could do the same sort of trip in a current EV even if there were the best charging stations at every stop we went to.

Maybe we could?

OTOH that's the 'distance' case. Compare to driving up north in MI where stations are few and far between, or worse, the UP where a car accident may cause a many-hour backup.

I should note, for my hybrid, my 'cutoff' for Hotshotting, once I am <100 miles till refuel, I get topped fully back off.

I know how to mitigate, but how do we deal with the people that can't even handle stop signs and signals?
I didn’t trust myself so I hired an awesome dude who did a great job.

Two years later we learned mountain lions are bigger and stronger than expected.
North Korean satellite launch fails
Also relevant reading: https://srid.ca/nixos-mod

How certain, ideologically and politically driven parts of community conduct themselves against anyone they suspect of wrongthink: https://discourse.nixos.org/t/delroths-muting-in-the-moderat...
My point wasn't to slam on psychology; just the article seems to imply identity through shallow psychological labels is a new phenomenon, when it is as old as civilization itself.
The last example just points to two types of permissions coming from different sources.

"Leadership gave me permission to view this file, but the computer/network doesn't permit me to do that."
Is this also an issue in cities like Lisbon?
OT: But, someone please help - almost every one of the links on this page do not show for me when I am logged in - I have to logout to read the comments.

This is how it is for me on many many HN pages. I assume because link only replies are auto-set to below some threshold, as are anything with even one downvote.

How can I change that? I set "showdead" -> yes in my profile. What else can I set?
i wonder if that is what those super irritating high-pitched screeching noises near some buildings in shibuya...

it seems to occur only late at night but could be wrong... i had assumed they were for driving rodents away but i guess not?
Which makes sense, imagine only have shoes that worked on 95% of the floors you walk on. Imagine a fridge that only cools 95% of your food, and it’s a fun surprise when it doesn’t.

This is entirely rational, and reminds me of people who can’t understand why everyone doesn’t bike everywhere. It just reeks of solipsism.

I own a Tesla, and I have to tell you it’s a massive pain to own an EV and live in an apartment complex. It’s honestly frustrating to the point that I regret getting it. The performance is great, but the interior, significant price drop in the year I’ve owned it, and the constant anxiety about the battery has not made for a pleasant experience.

If I could go back I’d get a Mercedes S class that’s 5-7 years old.
Know your customer is something that started in banking and is leaking everywhere.

Identity is who you really are. Be that you as an individual or as a corporation.... In the case of your bank they have a copy of your ID, your SSN, for them identity is what established the account and auth lets you work with it.... AWS might know some members of your company (either by corporate or individual card) but might not know your identity (as an individual) and yet you can still authenticate, because you have been authorized by an identified customer. I can transact with crypto as an authenticated user and NOT be identified.
> It's a lot of hours. My partner has an EV and coming back from work it gets plugged in and by noon next day it is still not charged up to what it was before going to work the day before.

What kind of outlet are we talking about here. Either this outlet is somehow very limited or the commute is very long.
I got a cheap logic analyzer that does 8 channels.

My main concern is needing more than 8 channels or a higher sample rate.....and those are so expensive.

Its also hard to tell who is telling the truth on spec sheets.
Plenty of DDoS mitigation firms use open source tech, but that’s only step one of mitigation, most normal firms will never be able to stop a DDoS attack without someone else with a lot of resources tanks the attack for you.

Even if you go all out and buy a bunch of huge IP transit links, you are not gonna be able to stop the IXP 800 miles away from getting congested and blocking your customers from accessing your site anyways. You need access to a backbone to route traffic differently to avoid those kinds of issues, which is why DDoS scrubbing services will partner with a T1 ISP to do most of the work.
i imagine most of them, Macedonia is not such a dangerous place to live. /s
Why don't I see very many school busses in California?
How about between people where they live and anywhere else in the west? People take the 4 hour road trip for granted if we are to all transition to EVs with dubious >100mi range when its cold or hot. The settlements in the eastern sierra alone are scarcely close enough to feel comfortable even with a gas car in my experience. Let alone the more remote regions of the west.
The article is specifically about purchasing homes. Even the USA, it also is cheaper to rent than to buy. Buying a home in Singapore has a 6 year waiting list to access public housing with properties exceeding $1m SGD.

Taxes, Transportation and food costs are cheap, but property is not.
Are we seeing

1 A random mutation that is “testing the waters” if this brings some evolutionary benefits?

2 A mutation that already provides a benefit? (Which one would that be?)

3 A mutation that is neutral and is neither beneficial nor detrimental?
"Why Your Wi-Fi Router Doubles as an Apple AirTag", 100 comments, https://news.ycombinator.com/item?id=40430603

> In late March 2024, Apple quietly updated its website to note that anyone can opt out of having the location of their wireless access points collected and shared by Apple — by appending “_nomap” to the end of the Wi-Fi access point’s name (SSID). Adding “_nomap” to your Wi-Fi network name also blocks Google from indexing its location..

> "You may not have Apple products, but if you have an access point and someone near you owns an Apple device, your BSSID will be in [Apple’s] database,” he said. “What’s important to note here is that every access point is being tracked, without opting in, whether they run an Apple device or not.. Commonly used travel routers compound the potential privacy risks..

> The Google/Apple opt out (_nomap) needs to be at the end of SSID name. Whereas the Microsoft opt out (_optout) can be anywhere in the SSID name. Therefore, to opt out of both, it would be in this order: SSIDName_optout_nomap
Alternate, English-language story,

https://www.reuters.com/world/asia-pacific/north-korea-fires... ("North Korea says its latest satellite launch exploded in flight")
My favorite nowadays is my iPhone completely enabling Auto-join for a Wi-Fi network (that I created at second story) and joining it instead of my living room Wi-Fi, whereas I constantly keep disabling auto-join for that network.

Of course, this is just one of the thousands of bugs.
Pandas cannot read parquet files itself, it uses 3rd party "engines" for that purpose and those are not available in Debian
> Remove the wealth effect and homeowners are about as precariously perched as renters.

How so? I just showed that’s not true for evictions due to non-payment, at least for the property taxes issue you raised. When it comes to mortgages vs rent, maybe they’re similar risk, but in that case, the mortgage is not riskier, so the benefits of a house seem worth it, especially considering that as long as you keep up the payments, you are highly likely to eventually get your money back with a house, and 100% guaranteed to lose all your rent.

> In the past decades, home-price appreciation contributed significantly to that wealth.

Right, home ownership has historically been a vehicle for wealth building.

> Someone making the smae purchase today is less likely to similarly benefit.

Why’s that? Are you assuming that real estate inflation might slow down, but the market won’t?

A house is a leveraged loan until you pay it off. If the price goes up, you get the leveraged return. People who paid $200k down payment on a $1M house in 2019 can sell today for $1.5M and walk away with more than double their money, or around 4x the profit that someone who invested the $200k in the stock market and got the same (incredibly good) returns.

I don’t agree that buying a house is a bad financial decision, how do you justify that claim? There is certainly a distribution of outcomes, but on average I think most people profit from buying a house… especially when you compare it to paying rent.
The problem here, I think, is the words, not the concepts.

Like remembering when it's spelled "stationary" and when "stationery".

"Still" and "paper" are easier to remember.
81year old serial slingshot shooter arrested terrorising neighbours for a decade
Not exactly sure what you're implying, but I'm assuming you're saying that Grandma moves in with you and now you can't afford to have kids and take care of grandma (which is the current situation of several of my friends).
The reason is always tax policy. Real estate gets ridiculous advantages that other assets don't.
> In a lot of places electricity isn't (much) below $ 0.40 per kwh.

Here in my corner of Silicon Valley, electricity is never below that price! Thanks PG&E.

Off-peak rate (starts at midnight) is 44.2 c/kWh which is as cheap as it gets.

(Peak rate in the afternoon after 3pm is 71.3 c/kWhw)
We routinely plant over a billion trees each year in the USA. Tree planting is a huge industry. We have tractor attachments that can mass plant some species.
They tried to turn a budget entertainment experience into a luxury media experience, in my mind, due to the expansion of home entertainment systems and screen sizes. It was the wrong half of the business to focus on. They should have improved convenience and the quality of their addons.
Apple is/was a happy member of PRISM, though they don't tell that in commercials.
even so, unless I misunderstand... LLM are most likely to pick what they've seen the most, ie: what is the most common recommendation it's seen during training; barring rlhf anyway
It's not just that, it's also time... in 99.9% of cases, the gas station is there, and you'll get gas in ~5 minutes, full tank, enough to drive another 1000km. Even if it's busy, you wait a few more minutes and get it.

If you come to a busy charging station... are you really going to wait for an hour? are you going to risk it with the next one? What if that one is even busier?

I live in a country which is full of people transiting every summer from norther europe to croatian beaches, like literally 10km traffic jams to go through a tunnel, police stopping transiting vehicles from leaving the highway (so the locals can use the side roads, but the gas stations can manage it, because refilling takes just a few minutes.

Now replace just 10% of those german cars with electric ones, calculate how many refills you need to drive between eg. frankfurt to split, multiply by thousands going through every weekend, and there's no way to get efficiently charge all those cars, and noone is designig charging stations for peak traffic. 30km left? 8 charging stations, 15 cars waiting, will you really risk it? Or will you wait two hours at least to get a chance to charge your car?
I consider myself above average intellectual level with more than enough capacity to spot and fix those bugs or at least report findings to people who should, which probably puts me hopefully on a better level than a primate ape.

But based on your comment, unfortunatelly I can't say the same for you.
But to actually create patterns you'd need a huge IR spotlight!
You could go with enough energy to drive an f150 around the equator
69720537774 times at 24 miles per gallon
> If we're talking about a web session, time-limited randomly-generated session tokens that are stored in a DB still work fine

This works fine for a single service but you’re replying to a thread about the middle ground of multiple services. It’s an anti pattern to have every service talk to the same database just to authenticate every request.

By the time you add a caching layer you’re truly better off using an off the shelf oidc id provider and validating the id token claims.
Is it even in their best interest to make it work? I’m sure the normal person would start to ignore the AI answer and scroll down to see the first page of ads and then find the results.
Agreed. I would extend this and say that we are so enamored by the "humanness" that they exhibit that we're collectively losing our minds over them.

I think this stems from the part of our brain that lights up when an animal (or in this case a machine) exhibits humanlike behaviour. Crows counting out loud, parrots that understand the concept of 0 and chimpanzees that are using stone age tools all give us the same reaction. LLMs have dialled this response up to 11.
> My overnight rate is $0.02/kwh

Where in the world is this?!
The "basic" check contains significant randomness and could throw away good candidates.

Also, you might be not good at making resumes but are excellent at in person interviews.
If it's long ago done, where is the wiki with 2.4 million photos? If it's not online it might as well not exist
The Genesis Book: The Story of the People and Projects That Inspired Bitcoin
>Ask yourself, do Canada, Australia, New Zealand, the US, Britain, Ireland, etc, all have the same inability to build or is there maybe some other common cause?

Do they all have zoning, urban planning requirements, and restrictions on what landowners can do with their property? Yes?

This isn't a complicated issue, this is 100% a self inflicted "problem" that can be solved with the stroke of a pen.

Pro-tip: abolish all restrictions on what landowners can build in the property. No licensing requirements, no filings, no nothing.

The sum total requirement for someone to build something anywhere should be them asking themselves "do I have permission from the landowner to do this?" And getting to work.
What is the environmental pressure? Just a mutation by itself doesn't spread, there should be some advantage? Shouldn't there?
https://theworld.org/stories/2019/10/24/south-koreas-imperil... good read. I live in Korea and have had a lot of my tats done here, people seem to not care much about the tattoo shops, at least the artists I'm friends with said they have no fear of prosecution.
Why only reply to the comment about Kleingärten, is it because you realise you're wrong about what you said about only Europe having old cities? Which is actually a fairly comically cringe and ignorant comment to make? I live in Hamburg and it's relatively young at 1200 years old. There are lots of far older cities than that in Asia which apparently somehow have the luxury of space and being built from scratch (lol).

Cities are dense and cities are good for the environment. Your dream of everyone living in the middle of nowhere and driving everywhere in cars would be an ecological disaster, far worse than these shitty Kleingärten that should generally be got rid of anyway, since, there's nothing biodiverse about Kleingärten, they're just monocultures that are privately owned. If we careed about biodiversity then we would rewild them.