HNHacker News
TopNewBestAskShowJobs

486sx33

588 karma · joined January 10, 2024

submissionscomments
486sx33··on Why are credit card rates so high?
Exactly.
486sx33··on Why are credit card rates so high?
Let’s just say you’re a wealthy consumer with a million dollars in the bank. You’d still buy things with a credit card, why? 1. Purchase protection (insurance) 2. Chargeback protection 3. Rewards either points or “cash back” 4. Merchants hardly ever give cash discounts anymore, credit card fees are baked into the price of everything so you’re going to pay for the advantages above and receive nothing in return, plus have the burden and liability of carrying cash.

Merchant side. 1. CC fees are high so we add 3.5% to the retail price of everything. Someone pays cash? Good, a small bonus. 2. Merchants are being charged the same for “debit” cards which allow electronic payments from bank accounts, coming with the same chargeback risks and fees as a CC.

So what the heck assume the worst for every transaction.

How to fix this. Does it need fixing? If the gov is going to push everything to electronic payments, you might as well get the rewards.

The trap, if you’re not paying off your balance every month, the rewards are nothing and the interest rate is crippling.

486sx33··on Canada investigates whether Tesla helped itself to a subsidy-fueled sales boom
It’s possible there were cars sold before that weekend that didn’t have credits registers yet. And also possible that a lot of people placed orders that weekend to take advantage of the credit. (Which was how the program was supposed to work, consumers like credits, consumers sign deals to get credits).

This is just divisive political agendas from the Canadian media

486sx33··on Why Apple's Severance gets edited over remote desktop software
“A guy that I talked to 12 years ago that worked at Apple.”

I’m reminded of my friend in grade school that had “an uncle that worked at Nintendo”.

Not saying he didn’t, but just because someone works there doesn’t mean they know what’s going on.

486sx33··on Why Apple's Severance gets edited over remote desktop software
I’m not convinced they were ever trying to say a Mac mini could create a production film on its own. This isn’t how post production works…
486sx33··on OpenWrt Two Approval
VERY reasonable , if not a total piece of crap with fake copied hardware, a security nightmare with hardware level integrated spyware.

Don’t bother importing. They should start seizing these at the port

486sx33··on Windows 11: Removing bypassnro Script to Enhance Security and User Experience
Sort of but 1. You can still have an OS without an Apple ID, it just sucks 2. When you buy an Apple device, you did the research and know “the deal”. Microsoft doesn’t market devices that way, they want to work on every device and control it at the software level. 3. I trust Apple more, they are somewhat regularly in trouble for not giving out the keys to my data. When’s the last time Microsoft fought the FBI for access to a surface device ?
486sx33··on ByteDance Releases MegaTTS3
Trained on TikTok I guess ?
486sx33··on Windows 11 is closing a loophole that let you skip making a Microsoft account
Somewhat related and mentioned in the article. New to me. https://www.theverge.com/2023/10/11/23913107/microsoft-windo...
486sx33··on A note on the USB-to-PS/2 mouse adapter that came with Microsoft mouse devices
Funny enough PS/2 has found its niche and is included on most “gaming” motherboards because - less latency than USB! ps/2 has higher system priority
486sx33··on A love letter to the CSV format
I love CSV for a number of reasons. Not the least of which it’s super easy to write a program (code) in C to directly output all kinds of things to CSV. You can also write simple middleware to go from just about any database or just general “thing” to CSV. Very easily. Then toss CSV into excel and do literally anything you want.

It’s sort of like, the computing dream when I was growing up.

+1 to ini files. I like you can mess around with them yourself in notepad. Wish there was a general outline / structure to those though.

486sx33··on Recommendation for non-DOS/Unix open source OS outside x86/X64
There is quite a selection in the link I posted… for example FreeBSD/ARM
486sx33··on Decent living standards for 8.5B would require 30% of current resource use
It’s not possible for everyone to have decent living standards. China and India need to decrease their birth rate so the rest of the world can thrive
486sx33··on North American spider species alters its webs to deal with urban noise pollution
These paywalls are getting really ridiculous and out of control.
486sx33··on How one of the world’s major money laundering networks operates
Unfortunately, outlawing cash transactions really isn’t good for people. I know the cause sounds good here but the method isn’t wonderful.
486sx33··on Gmail's upgraded search results help you find the emails you want, faster
For whatever reason gmail search has gotten a whole lot worse recently. Between that and shoving Gemini in my face everywhere I’m pretty pissed off at Google. If our whole org wasn’t so locked into Google workspace and there was a good alternative that wasn’t Microsoft 365 I would definitely change our org.
486sx33··on Recommendation for non-DOS/Unix open source OS outside x86/X64
There is an arm version of pretty much every major Linux distribution now. I’ve used mint, debian, and kali all on arm.

Also, see below

https://distroware.gitlab.io/lists/RunsOnARM/

486sx33··on Horror on the coast of Oaxaca, a tourist paradise plagued by mass disappearances
Huatulco was a beautiful and safe place, many burnt out American kids found or lost themselves there. The cartels were not active in this area and the military had many checkpoints on the highways. Zipolite was sort of how you’d imagine California in the 60’s, people nude, openly smoking bongs, public showers available to all for pocket change. Affordable hostels, enlightening evenings.

I am sorry to hear of this shift. At one time, the original population of Mexicans was forcibly moved to government land which is arranged in a grid pattern, our guide lived in sector “U2” for example. You can see the grid where the local people live in google maps.

486sx33··on Hack: 6M Records for Sale Exfiltrated from Oracle Cloud Affecting 140k+ Tenants
I think this marks the end of Oracle.
486sx33··on California Attorney General issues consumer alert for 23andMe customers
Merry Christmas! Your dad isn’t your dad, your biological father is actually mommy’s old “friend” from work - Bill!
486sx33··on I'm the Canadian who was detained by ICE for two weeks
And her business is selling drinks infused with hemp which is federally illegal. A TN visa is a non immigrant visa, you should not be building a life in the US with it.
486sx33··on Home Sellers and Buyers Accuse Realtors of Blocking Lower Fees
Actually, I’ve had a lot of realtors that added value. And lots that didn’t. They are not all useless middlemen though.
486sx33··on Leaking Passwords and more on macOS
Source : https://archive.org/details/Hacking_The_Cable_Modem_2006
486sx33··on Leaking Passwords and more on macOS
Certain DOCSIS cable modems … had a similar flaw

“With many users now using modified config files to uncap their modems, most cable modem service providers acted to defeat this exploit by turning on the DOCSIS security feature that requires the CMTS to check the authenticity of the modem's config file during the registration process (this is explained in more detail in Chapter 9). As previously mentioned, this checksum is a HMAC-MD5 digest of the entire config file that uniquely iden- tifies its original contents, and it is constructed from the config file using a password chosen by the ISP. This defeats config file exploits because a user 8 Chapter 1| cannot create a checksum that would validate a modified config file without knowing the password that was used by the service provider when the original config file was created. Defeating the Message Integrity Check The fact that the systems of most ISPs had now been patched to prevent this type of uncapping was a challenge to be overcome. I began by attempting to hack the patch that the ISPs had implemented. My starting point was a phrase that was displayed in the modem's HTTP log page when the method described in the uncapping tutorial failed. The logs would read TFTP file complete-but failed Message Integrity check MIC. I wondered how I could bypass this message integrity check or MIC. One morning I awoke to frantic beeps coming from my computer; a member of my group was messaging me. He had the answer. The way to bypass the MIC was not to include the MIC! As simple as that might sound, I had no idea what he was talking about. He then sent me a copy of his config file and had me open it up in a basic hex editor (a program used to examine and modify binary files). The config file normally contained two different checksums at the end of the con- fig file: a standard MD5 checksum of the config, followed by another check- sum, the dreaded HMAC-MD5 (also known as the CmMic). He had simply trun- cated the config file, removing the HMAC-MD5 checksum and the two bytes before it (its header). Remarkably, this allowed any config to be used on any ISP. Once again, every ISP around the world was vulnerable to OneStep. NOTE This hack worked because the developers of the firmware used in the ISPs' routers, which process the config files and CMTS checksums sent from the modems, had not thoroughly tested the finished code. The basic config file processing function in the firmware would process operation codes (opcodes) that were present in the config file, including the CmMic opcode, and carry out the associated actions. But it would not check to confirm that the CmMic opcode had actually been sent (or even that the config file had success- fully authenticated). This flaw was severe because the ISP operators could not directly fix it in their routers; the only ones who could do so were the third-party vendors who supplied the firmware for the CMTSs. It would be a long time before the individual systems could be patched.”

486sx33··on Harvard says tuition will be free for families making $200K or less
Boo Income based anything is completely anti American
486sx33··on Some Geniuses Are Swapping 200-Mile Battery Packs into BMW I3s
Yes, 100% they have. And now they’ve moved from e-bikes to cars it seems
486sx33··on Lynx is the oldest web browser still being maintained
Like most people my age, my first Internet experience at home was with lynx on a Unix shell. We shared credentials for an account at the school board that we scored from a teachers aid. It was sweet to dial into the school board (same numbers all the teachers used!) and surf around in text only lynx.
486sx33··on Why do transit agencies keep falling for the hydrogen bus myth?
Then force all electric cars to be charged only by solar!
486sx33··on Why do transit agencies keep falling for the hydrogen bus myth?
Sure, but as long as we are burning natural gas, hydrogen is a bonus. Either use it or let it be wasted.

Using it to power public transportation is a great idea, if only we can get some better hydrogen fueling infrastructure. It should have a fair shake against electrics as electric vehicle power generation is using a lot of natural gas stations to charge up those cars !

486sx33··on How a Columbia Student Fled to Canada After ICE Came Looking for Her
This is exactly the kind of crap Canada needs to cut out. She should have been arrested at the Canadian border. Canada needs to stop importing fentanyl pre cursors from China. Canada needs to stop. yesterday. being a net exporter of fentanyl.
← PreviousPage 4 of 24Next →