vel0city

49 ms·

841.
by vel0city 9mo ago
> It's a non existent problem in the US Dead wrong. Its still a big problem in the US. https://www.kansascityfed.org/research/payments-system-resea... > In 2023, 21 percent of U.S. consumers experienced fina
842.
by vel0city 9mo ago
> But most debit cards cannot be used with just the numbers. Every debit card I have in my wallet right now can be used anywhere a VISA is accepted using the same kind of number as a VISA card. I can go to any website that accepts VISA a
843.
by vel0city 9mo ago
Not all debit transactions require PIN inputs here in the US. Many can also just go through the credit card networks. For example, all my debit cards in my wallet right now have a VISA logo on them and can run through as if charging a VISA
844.
by vel0city 9mo ago
> those legal protections are useless for the majority of purchases I think you're misunderstanding the protections we're talking about. When someone steals my credit card and spends $10k on it, I just dispute it. The charges d
845.
by vel0city 9mo ago
While Regulation D was lifted a few years ago, there are often still restrictions to the number of withdrawals one can do from a lot of savings accounts.
846.
by vel0city 9mo ago
If most of your income comes from salary/wages, just have the paycheck first hit your normal checking account first and then have scheduled deposits from there into savings accounts someplace else. You generally have enough money in th
847.
by vel0city 9mo ago
Sorry, I either totally misread your comment or was mentally replying to someone else when I wrote this. Sure, you could just cram the residences to the edges and try to recoup the cost of the rest of the square footage for places that don&
848.
by vel0city 9mo ago
If it was just the plumbing, then maybe. But its not just the plumbing. Its the plumbing, the electrical, the AC/ventilation, fire codes, and so much more. Not saying it can't ever be done, it really depends on the building. B
849.
by vel0city 9mo ago
I mean, sure, you can just sell it as a unit for each floor. You then need to recoup all the costs of rebuilding against fewer people, so all the main area renovations and what not get more expensive and the monthly cost of building maint
850.
by vel0city 9mo ago
For a lot of the office buildings I've been in, there aren't that many toilets per floor. Its also different when you've got some toilets that are often unused compared to people running laundry, cooking, bathing, etc. Very
851.
by vel0city 9mo ago
Another thing about a lot of commercial buildings is the floorplate size and layout. Office buildings often don't care if there's a lot of interior spaces without any windows, but people need outside light. So if you've got a
852.
by vel0city 9mo ago
SIMD and VLIW are somewhat similar but very different in the end.
853.
by vel0city 9mo ago
Its not just domestic violence (though the rates of DV are usually higher with gamblers than the general population...huh I wonder why), but also just completely messing up a family's finances. This can really destroy families and re
854.
by vel0city 9mo ago
Gambling can absolutely destroy lives. I've seen it in my own family. Its highly addictive nature combined with an easy way to lose everything you own is incredibly dangerous. I've personally witnessed domestic violence from a gam
855.
by vel0city 9mo ago
I think it should vary based on the type of service being provided. Truly mobile service, I think it can make sense to not allow servers. If its being sold as a home internet solution (a more fixed kind of plan), I think it should allow ser
856.
by vel0city 9mo ago
> they degenerate into endless urban sprawl like American cities. I will note, I have not lived in Japan. I'm just going by what I've seen hopping in street view on a lot of the smaller towns. Please do correct me if I'm w
857.
by vel0city 9mo ago
> If we're using the most extreme examples to distract using visceral disgust instead of addressing the core point I am absolutely addressing a core point, that's a big part of what you previously quoted about being unable to m
858.
by vel0city 9mo ago
In fact, re-reading RFC 6238 it states: Note that a prover may send the same OTP inside a given time-step window multiple times to a verifier. The verifier MUST NOT accept the second attempt of the OTP after the successful valid
859.
by vel0city 10mo ago
I just keep a clean microfiber cloth in my bag and wipe down my keyboard and trackpad from time to time. It really cuts down on getting the screen dirty from the other side of the laptop.
860.
by vel0city 10mo ago
In every system I've worked on recent successful TOTPs have been cached as well to validate they're not used more than once.
861.
by vel0city 10mo ago
I dunno I personally don't think its a huge ask to not use the same sink to clean the mop as the sink where they do the dishes but I guess some people don't mind mixing the usage. I don't even mix my mop/cleaning sink (u
862.
by vel0city 10mo ago
> you gain zero upside There's a lot of upside to the fact the next owner isn't going to have to question if things were done properly, that insurance isn't going to be able to push back when something does go wrong.
863.
by vel0city 10mo ago
Everyone affected by the laws passed have "skin in the game". Someone renting an apartment and working a job in a community definitely has skin in the game in regards to local tax rates, building regulations, public amenities, etc
864.
by vel0city 10mo ago
Most people don't make a point to go out of their way to avoid having rules applied if they're intending on following the rules. I don't think its that big of a leap. You're also misreading my comment. I'm not sayin
865.
by vel0city 10mo ago
Can you be more specific on exactly what kind of cross-contamination standards make it impossible for a small eatery to exist? Do you have any specific rules in mind? Its been a while since I went through a food safety course, but I don&#x2
866.
by vel0city 10mo ago
Given what seems like a high rate of vacancies in a lot of markets maybe its time for those landlords to be wiped out, the loans defaulted, and the buildings sell to get back to their real valuations. But no, we can't have wealthy peop
867.
by vel0city 10mo ago
A lot of the interesting food trucks around me are routinely more expensive than the brick and mortar stores around, often due to the novelty of the cuisine.
868.
by vel0city 10mo ago
There are still requirements for the types of use classifications (including things like parking minimums[0]), there are still food safety regulations, etc. The lax zoning laws doesn't mean there are no rules, just that there are no ru
869.
by vel0city 10mo ago
I can't imagine I'd ever want to buy a house from someone who makes a point to live someplace where they can install sub-par plumbing and wiring, that this lack of code compliance was the selling point of where to build. Imagine b
870.
by vel0city 10mo ago
Absolutely, I agree. Some of the people I had the sharpest debates with and didn't always agree with had way more impact on who I am today than the softer acquaintances. Most of them definitely made me a better person in the end, even

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