But if only 1 million people pay at $11 a month, a 2 Million dollar fine is peanuts, it always astounds me how companies get fined so little relative to there income, and the amount they swindle, and individuals get fined so much (relatively speaking)
This sounds like a terrible idea. The perfect way to increase the cost of legal representation. Just like medical insurance. When you pay the doctor/hospital yourself they are limited by what the majority of people can afford. Once you pay the insurance you break that bond, and you no longer care how much any particular treatment cost because it is not your problem. The insurance company has a conflict of interest they need the bill to be high so that you need to buy the insurance in the first place. They also try to weasel out of paying when you make a claim. They also arrange deals with medical providers so it is cheaper for them than for you, further encouraging you to get medical insurance, while reducing their cost.
When you get insurance, on average, you pay more than you would expect to pay if you didn't have insurance. You pay the actual cost, plus insurance company overheads, plus insurance company profits.
What you need is affordable legal representation, not legal insurance, if a majority of people got this it would only make matters worse.
Although I think complicated tax laws benefit the rich and not the poor, since the rich can afford accountants and lawyers to circumvent them, your example is a bit too simple.
Define income? If your house doubled in value, due to inflation, do you now owe tax on that? Do you need to sell it, to pay your taxes? What about gifts, are they income? Do you need keep a record of every gift, so you can pay tax on it? Can you deduct expenses against that income?
I theory I agree, but the cost of lawyers has made it impractical the average person to get justice. Many people get little or no access to a lawyer from http://www.nlada.org/Defender/....
Many individuals get nothing more than a few minutes of their attorney’s time and a hurried guilty plea
Even if you can afford a lawyer you often risk going into serious debt to defend your rights.
Simpler laws in which people could stand up for themselves, banning lawyers from certain areas of law, and AI lawyers could help this significantly. I believe every person has the right to their legal rights defended to the same degree no matter what their financial status is.
Russians probably weren't that happy before communism either. Also we need to try new things sometimes they succeed, sometimes they fail, most times somewhere in the middle. If we don't try new things then we would never progress. At one point democracy and capitalism where had never tried either. Are they a total success? Probably not, but from my point of view better than what we had before, It doesn't mean they can't be improved on.
First thousands of keys (if you are being literal) is quite small for a computer so a brute force attack would succeed really quickly. Apart from that, is how do you transfer your encryption key so it can't be intercepted?
The reason a 1 time pad is considered perfect encryption is 1. you are guaranteed by some magical process that no one gets your key. 2. without knowing the key all messages of the same length are equally likely.
Here it says it already been cracked, and even if it wasn't it would take only 3 weeks by brute force for a desktop, https://www.quora.com/How-long... They would not have to brute force it or use a desktop, and brute force is very distributive.
Note you cannot brute force a 1 time pad because of point 2.
I find that being too good at subject can sometimes hinder teaching it, especially to not so gifted students. When you have picked it up easily, then it is hard to understand why someone doesn't get it. On the other hand subjects I find hard like English, I can see the massive inconsistencies in it, and can understand why people find it hard read words like "indict". I have developed strategies to deal with these problems for me. For example all though school I was told to write X word essays. This would lead me to pad out the essays so they reached that many words, if I was told write an essay with Y points and don't put fluff in it then I would have done much better.
On the other hand teaching a subject to a gifted student you really need to know your stuff, otherwise they will think you are a fool, and you really aren't needed.
I don't think its math just simple logic. You take money in, pay all expenses, take profit, pay a few people out whats left. That is the way a lottery works, its clear that it is not a good deal even without doing the sums.
Those who disagree can send me money now, I promise to return 50% of what I collect to one of you.
I asked, what the community to enlighten me which ones, are innovative, clearly you don't either otherwise you would have come up with examples. Instead you said nothing, I admit I have not read through 1200 patents, and have no intention of doing so.
That is the point, 1200 patents, name 3 off the top of your head that aren't trivial, or would not have been invented otherwise. I can't think of 1.
Just coming up with an idea, has now become a legal minefield, patents are probably more detrimental it innovation than helpful.
Don't get me wrong apple have brought together technology in very stylish manner, by doing so made it mobile devices popular with consumers, but they really have not made that many significant technological innovations.
Anyway, it'll never happen. We aren't getting off this rock in any real sense ever
Never is a long time, we have only been technically advanced beyond making pointy sticks for a few thousand years, really a blink of an eye in terms of evolutionary stand point. And technological advance is probably exponential, since new technology is based on existing technology. As long as we don't kill ourselves off, we may advance to a point where colonizing other planets is possible.
Well yes terrorist kill people, but it is only a small amount, for example 32533 people in the US committed suicide in the US in 2005 ( http://en.wikipedia.org/wiki/S... ) and from http://www.politifact.com/trut... the people killed in the last decade from terrorism is 24. That is 1,355,400% more! Being insulting to the people around you is more genuinely dangerous than these sites.
I think calling it Genuinely dangerous, is a bit of a stretch. What is genuinely dangerous is jailing people because they have a different view than you. Donald trumps speeches are probably doing more to incite hate of the US by Muslims, than any terrorist organization could hope to achieve. If he gets elected he will be in charge of the most powerful military in the world. But he has a right to say it, no matter how stupid they may be. I also have the right to say he is a hateful, arrogant moron.
I also find it hard to believe that these educated people cannot seem place themselves in the opposing sides point of view. ISIS allow probably state that the American point of view is genuinely dangerous, and should ban having access to those ideas, (I don't know for sure, I might get arrested for viewing those types of web sites)
Do they have independent learning material on computing? They have access to the internet so yes.
Have they become more socially isolated If they have an interest in coding this would explain this. (see definition of nerd)
All of these can can be attributed to normal teenage behavior. Although they say that you should only start paying attention if your child exhibits 3 or more, signs. Apart from you should monitor your children anyway to some degree anyway. The only ones remotely suggest hacking in a teenager are the coding ones. Then again they suggest it about as much having an interest in guns suggest you are going to be a mass murderer.
The amount they can sell it to you also determines the price, competition also determines the price.
For example, when I bought my car, $20,000 car I asked for an spare key, they said it would be $400, it came with 2 keys already, so 4% of the value of the car was the keys? I can buy an entire alarm system, installed for less than that with two controllers. The reason the cost is so high is because they have a monopoly on those keys, nobody else can make them.
The point is, just because you can buy that part, for cheaper doesn't mean that actually costs the manufacture less to produce, it might, but not necessarily.
First, fraud by people to close to you, would not be covered.
Second, they may make more by small transactions, it really depends on the risks, since it is hard to judge what percentage of small transactions actually get detected, because you need to know which ones don't. Only a criminal who is actually doing this can tell. That being said I don't know how much stollen credit card goes for but this article says $3.50 http://www.bloomberg.com/news/... it wouldn't take many $5 transactions to make you money back.
2. All issuers employ fraud detection systems intended to identify the first fraudulent transaction. They aren't 100% effective, but getting better.
How would anyone know? Maybe people performing the fraud are getting better at not being detected, by either, the card company or the owner of the card. For example a small transaction over may cards maybe totally unnoticeable. If it is never reported as fraud, then it would never go into the bucket of undetected fraud. It is not like the criminals publish their proceeds from fraud somewhere.
That is why I don't like payment without pin, (this includes online payment, but that is another rant 8-)) because it allows, small payments without any secret I know. First it is quite possible I could miss a small charge, secondly if my children use my card, (still fraud) I am very unlikely to report them. If they are so confident in their fraud detection, and security of pin-less payment, remove the cap, I WILL notice $1000 dollars extra on my bill.
Because, if you can than so can anybody else. It is not about banning guns it having a balance between letting responsible people who want guns own them and making it a bit harder to acquire for just anyone.
Sure you can argue criminals will get guns with or without a permit, and that is true, it is just making it a bit tougher, than that guy just pissed me off, I will just pop in to 7-11, pick up a gun and shoot him. Getting a permit should not be a problem if you really want a gun, and you don't have a violent criminal record.
This is why this law to ban 3D gun blueprints is silly, 3D printed guns are not that good, it is probably better, cheaper and easier buy a real gun, it would be almost impossible to enforce, what is that encrypted file on your computer, I don't know, and I forgot the password, sorry. And unless you ban the blueprints every where in the world, all you would need to do is download the plan on demand.
6,000 pages is ridiculous, how is anybody supposed to fully understand and agree to that. It is just a way hide important detail in a ocean of boredom.
Naturally, the solution to that is to buy less house, no matter how pushy They get.
Also never set repayments based on term always on how much you can pay. It is amazing how much a few extra dollars a week can save in interest and reduce your loan term.
That is not true, I always pay off my credit card debt in full each month, (Ok once I didn't accidentally transferred $100 less once 20 years ago, go stung with about $4 in interest for a few days interest, they charge you for the whole amount not just the amount overdue), I do occasionally get offers to increase my credit limit.
I am not saying you are not more likely to get offers to increase your limits if you don't pay, just that sometimes you do get offers even if you do pay in full.
Just note if it is 4% per month compounded, it is 60% APR not 42%. That is you borrow $100 at the beginning of the year, pay nothing off you will owe $160. (assuming no penalties)
No that is not how it works, if the credit card company gives you $1000 and you spend that $1000 that month they are not out anything for that month, I believe they do not pay the vendor any money either. That is you owe them $1000, they owe the vendor(s) $1000 you are not using there money at all. Not until you do not pay the full amount on your bill do they actually start incurring an interest cost, because they have to pay the vendor anyway. That is why cash advances incur interest immediately since they pay the money immediately. Also that is why you can cancel a payment easily, since the credit card company hasn't paid anybody anything yet.
There are reasons, it is sometimes financially advantageous to buy stuff on a credit card, you get use of the money free for about a month so you may get/save interest, (especially if you have a revolving credit home loan you are offsetting it against) also you maybe on a rewards scheme. Your system still works for rewards schemes, but it is just more convenient not to put the money in. But for interest it defeats the purpose to put the extra money in before the due date.
When someone with an advanced math degrees tries to sell you something, there is quite probably something you missed, but it probably is not in your favor. (applies to all ads really)
If your maths skills are lacking consult someone independent has the skills. Also I would not consider finance advanced math.
Slashdot Mirror
But if only 1 million people pay at $11 a month, a 2 Million dollar fine is peanuts, it always astounds me how companies get fined so little relative to there income, and the amount they swindle, and individuals get fined so much (relatively speaking)
This sounds like a terrible idea. The perfect way to increase the cost of legal representation. Just like medical insurance. When you pay the doctor/hospital yourself they are limited by what the majority of people can afford. Once you pay the insurance you break that bond, and you no longer care how much any particular treatment cost because it is not your problem. The insurance company has a conflict of interest they need the bill to be high so that you need to buy the insurance in the first place. They also try to weasel out of paying when you make a claim. They also arrange deals with medical providers so it is cheaper for them than for you, further encouraging you to get medical insurance, while reducing their cost.
When you get insurance, on average, you pay more than you would expect to pay if you didn't have insurance. You pay the actual cost, plus insurance company overheads, plus insurance company profits.
What you need is affordable legal representation, not legal insurance, if a majority of people got this it would only make matters worse.
Although I think complicated tax laws benefit the rich and not the poor, since the rich can afford accountants and lawyers to circumvent them, your example is a bit too simple.
Define income? If your house doubled in value, due to inflation, do you now owe tax on that? Do you need to sell it, to pay your taxes? What about gifts, are they income? Do you need keep a record of every gift, so you can pay tax on it? Can you deduct expenses against that income?
I theory I agree, but the cost of lawyers has made it impractical the average person to get justice. Many people get little or no access to a lawyer from http://www.nlada.org/Defender/....
Many individuals get nothing more than a few minutes of their attorney’s time and a hurried guilty plea
Even if you can afford a lawyer you often risk going into serious debt to defend your rights.
Simpler laws in which people could stand up for themselves, banning lawyers from certain areas of law, and AI lawyers could help this significantly. I believe every person has the right to their legal rights defended to the same degree no matter what their financial status is.
Russians probably weren't that happy before communism either. Also we need to try new things sometimes they succeed, sometimes they fail, most times somewhere in the middle. If we don't try new things then we would never progress. At one point democracy and capitalism where had never tried either. Are they a total success? Probably not, but from my point of view better than what we had before, It doesn't mean they can't be improved on.
First thousands of keys (if you are being literal) is quite small for a computer so a brute force attack would succeed really quickly.
Apart from that, is how do you transfer your encryption key so it can't be intercepted?
The reason a 1 time pad is considered perfect encryption is
1. you are guaranteed by some magical process that no one gets your key.
2. without knowing the key all messages of the same length are equally likely.
Here it says it already been cracked, and even if it wasn't it would take only 3 weeks by brute force for a desktop,
https://www.quora.com/How-long...
They would not have to brute force it or use a desktop, and brute force is very distributive.
Note you cannot brute force a 1 time pad because of point 2.
I find that being too good at subject can sometimes hinder teaching it, especially to not so gifted students. When you have picked it up easily, then it is hard to understand why someone doesn't get it. On the other hand subjects I find hard like English, I can see the massive inconsistencies in it, and can understand why people find it hard read words like "indict". I have developed strategies to deal with these problems for me. For example all though school I was told to write X word essays. This would lead me to pad out the essays so they reached that many words, if I was told write an essay with Y points and don't put fluff in it then I would have done much better.
On the other hand teaching a subject to a gifted student you really need to know your stuff, otherwise they will think you are a fool, and you really aren't needed.
I don't think its math just simple logic. You take money in, pay all expenses, take profit, pay a few people out whats left. That is the way a lottery works, its clear that it is not a good deal even without doing the sums.
Those who disagree can send me money now, I promise to return 50% of what I collect to one of you.
I asked, what the community to enlighten me which ones, are innovative, clearly you don't either otherwise you would have come up with examples. Instead you said nothing, I admit I have not read through 1200 patents, and have no intention of doing so.
That is the point, 1200 patents, name 3 off the top of your head that aren't trivial, or would not have been invented otherwise. I can't think of 1.
Just coming up with an idea, has now become a legal minefield, patents are probably more detrimental it innovation than helpful.
Don't get me wrong apple have brought together technology in very stylish manner, by doing so made it mobile devices popular with consumers, but they really have not made that many significant technological innovations.
Anyway, it'll never happen. We aren't getting off this rock in any real sense ever
Never is a long time, we have only been technically advanced beyond making pointy sticks for a few thousand years, really a blink of an eye in terms of evolutionary stand point. And technological advance is probably exponential, since new technology is based on existing technology. As long as we don't kill ourselves off, we may advance to a point where colonizing other planets is possible.
Well yes terrorist kill people, but it is only a small amount, for example 32533 people in the US committed suicide in the US in 2005 ( http://en.wikipedia.org/wiki/S... ) and from http://www.politifact.com/trut... the people killed in the last decade from terrorism is 24. That is 1,355,400% more! Being insulting to the people around you is more genuinely dangerous than these sites.
I think calling it Genuinely dangerous, is a bit of a stretch. What is genuinely dangerous is jailing people because they have a different view than you. Donald trumps speeches are probably doing more to incite hate of the US by Muslims, than any terrorist organization could hope to achieve. If he gets elected he will be in charge of the most powerful military in the world. But he has a right to say it, no matter how stupid they may be. I also have the right to say he is a hateful, arrogant moron.
I also find it hard to believe that these educated people cannot seem place themselves in the opposing sides point of view. ISIS allow probably state that the American point of view is genuinely dangerous, and should ban having access to those ideas, (I don't know for sure, I might get arrested for viewing those types of web sites)
Are they interested in coding? NERD.
Do they have independent learning material on computing? They have access to the internet so yes.
Have they become more socially isolated If they have an interest in coding this would explain this. (see definition of nerd)
All of these can can be attributed to normal teenage behavior. Although they say that you should only start paying attention if your child exhibits 3 or more, signs. Apart from you should monitor your children anyway to some degree anyway. The only ones remotely suggest hacking in a teenager are the coding ones. Then again they suggest it about as much having an interest in guns suggest you are going to be a mass murderer.
The amount they can sell it to you also determines the price, competition also determines the price.
For example, when I bought my car, $20,000 car I asked for an spare key, they said it would be $400, it came with 2 keys already, so 4% of the value of the car was the keys? I can buy an entire alarm system, installed for less than that with two controllers. The reason the cost is so high is because they have a monopoly on those keys, nobody else can make them.
The point is, just because you can buy that part, for cheaper doesn't mean that actually costs the manufacture less to produce, it might, but not necessarily.
First, fraud by people to close to you, would not be covered.
Second, they may make more by small transactions, it really depends on the risks, since it is hard to judge what percentage of small transactions actually get detected, because you need to know which ones don't. Only a criminal who is actually doing this can tell. That being said I don't know how much stollen credit card goes for but this article says $3.50 http://www.bloomberg.com/news/...
it wouldn't take many $5 transactions to make you money back.
2. All issuers employ fraud detection systems intended to identify the first fraudulent transaction. They aren't 100% effective, but getting better.
How would anyone know? Maybe people performing the fraud are getting better at not being detected, by either, the card company or the owner of the card. For example a small transaction over may cards maybe totally unnoticeable. If it is never reported as fraud, then it would never go into the bucket of undetected fraud. It is not like the criminals publish their proceeds from fraud somewhere.
That is why I don't like payment without pin, (this includes online payment, but that is another rant 8-)) because it allows, small payments without any secret I know. First it is quite possible I could miss a small charge, secondly if my children use my card, (still fraud) I am very unlikely to report them. If they are so confident in their fraud detection, and security of pin-less payment, remove the cap, I WILL notice $1000 dollars extra on my bill.
Because, if you can than so can anybody else. It is not about banning guns it having a balance between letting responsible people who want guns own them and making it a bit harder to acquire for just anyone.
Sure you can argue criminals will get guns with or without a permit, and that is true, it is just making it a bit tougher, than that guy just pissed me off, I will just pop in to 7-11, pick up a gun and shoot him. Getting a permit should not be a problem if you really want a gun, and you don't have a violent criminal record.
This is why this law to ban 3D gun blueprints is silly, 3D printed guns are not that good, it is probably better, cheaper and easier buy a real gun, it would be almost impossible to enforce, what is that encrypted file on your computer, I don't know, and I forgot the password, sorry. And unless you ban the blueprints every where in the world, all you would need to do is download the plan on demand.
6,000 pages is ridiculous, how is anybody supposed to fully understand and agree to that. It is just a way hide important detail in a ocean of boredom.
the risk of fraud is generally placed on the vendor not the credit card company
Naturally, the solution to that is to buy less house, no matter how pushy They get.
Also never set repayments based on term always on how much you can pay. It is amazing how much a few extra dollars a week can save in interest and reduce your loan term.
That is not true, I always pay off my credit card debt in full each month, (Ok once I didn't accidentally transferred $100 less once 20 years ago, go stung with about $4 in interest for a few days interest, they charge you for the whole amount not just the amount overdue), I do occasionally get offers to increase my credit limit.
I am not saying you are not more likely to get offers to increase your limits if you don't pay, just that sometimes you do get offers even if you do pay in full.
Just note if it is 4% per month compounded, it is 60% APR not 42%. That is you borrow $100 at the beginning of the year, pay nothing off you will owe $160. (assuming no penalties)
No that is not how it works, if the credit card company gives you $1000 and you spend that $1000 that month they are not out anything for that month, I believe they do not pay the vendor any money either. That is you owe them $1000, they owe the vendor(s) $1000 you are not using there money at all. Not until you do not pay the full amount on your bill do they actually start incurring an interest cost, because they have to pay the vendor anyway. That is why cash advances incur interest immediately since they pay the money immediately. Also that is why you can cancel a payment easily, since the credit card company hasn't paid anybody anything yet.
There are reasons, it is sometimes financially advantageous to buy stuff on a credit card, you get use of the money free for about a month so you may get/save interest, (especially if you have a revolving credit home loan you are offsetting it against) also you maybe on a rewards scheme. Your system still works for rewards schemes, but it is just more convenient not to put the money in. But for interest it defeats the purpose to put the extra money in before the due date.
When someone with an advanced math degrees tries to sell you something, there is quite probably something you missed, but it probably is not in your favor. (applies to all ads really)
If your maths skills are lacking consult someone independent has the skills. Also I would not consider finance advanced math.