In short, yes. The USA is very behind most of Europe when it comes to credit card security, and is just now looking to catch up. By late 2015, credit card issuers can push liability for fraud to merchants if they haven't adopted EMV or some form of card tokenization. That's why there's such a push for things like Apple Pay.

They are NOT the same. The subscription is still there. The early termination fee doesn't go down in liability in regular increments - they monkey with it so that fee stays 80% intact after 1 year. Read up on Verizon's new schedule - you pay full ETF for 8 months. That' alike 8 months of your payments not paying down your loan.

with the old policy, you would see a substantial reduction in your ETF after completing up to eight months, but the new ETF policy lays out a much different schedule. In the new policy, you are stuck with the full $350 ETF on “advanced devices” for the first seven months of a contract. From months 8-18, you will then see the ETF decline by $10 per month. Then from months 19-23, it will decline by $20 per month. In the final month of your contract, your ETF will reduce by $60.

In TMO it's straight talk all the way - 18mo ago paid a $240 subsidy per phone and ...in 24 months of $20 payments above my non-subsidized phone bill, I will have paid off the phone. Also if I leave, and pay off the phone, they will unlock immediately.

Sucks you can't get good TMO service. They will improve it - these guys are itching for #2 spot or higher.

You should have just stopped at the "rural" part. Unless you live in some socialist public-transport-paradise (i.e., parts of France, Russia, Brazil, Hong Kong, and the UK pre-Thatcher) public transport for rural areas is just pathetic, and even in some of those cases it's still never going to be good.

What's sad is that in many urban/suburban places there *could* be good rail service, but there won't be. Which is sad, even for folks who would never use public transit, as getting those grudging car commuters off the road you share will just make your drive better/faster/safer.

To be fair, in the alternate universe where Apple is actually building a car, almost everyone would be working or shopping at an Apple store anyway.

Uh - maybe auto accidents and deaths for a starter [1] ? Computer driven cars are much more ikely to be safer than manually driven ones in aggregate.

To flip the tables, lets use a computing analogy for cars: Imagine if each TCP-IP packet (or connection) were hand-driven or managed. Lots of collisions and traffic jams. Some packets/connections would have unbelievable latency/throughput. Others (most) would be stuck in traffic that was inherently preventable assuming some rules were in place that would need special permissions to override.

Now compare with our Internet (as sucky as it is, buffer-bloat and all) - it's a goddamned paradise in comparison to the above.

Now imagine the flip side analogy - cars "routed" by algorithms, protocols and, where applicable, user intervention. That's Google's vision - it's not a new one, just one where they're building it out. Actions >> Words.

I would love to commute to work not actually doing any of the driving (secretly I'd prefer public transport, but only if it were nearly as convenient as point-to-point driving that I can do now). A driverless car is a great idea - sure my commute might take a few min longer as "the system" routes me, but the likelihood of traffic incidents and the like would probably be lower, preventing those 2-3x longer commute days.

Sign me the fuck up.

[1] http://www.csmonitor.com/Busin...

Except Apple Pay is expressly designed to prevent what Google Wallet does - which is to correlate your purchases to a credit card. It even prevents the merchant from such correlation. Google Wallet does it differently - they issue a virtual card that, while protecting your CC number from the merchant, still allows you to be correlated by Google. Apple is simply implementing EMV payment tokenization - it's a standard [1].

The only company who retains this is the credit card issuer, who will have to authorize such payments and maintain the credit balance (which you're not going to get away from without going to decentralized trade systems like bitcoin, and even then the block chain retains payment details - it's not anonymous).

Between Apple Pay and cash, I can remain relatively protected against my personal information from being stolen by some retailer's crappy security model (I still have to worry about the CC issuers but I'll take what I can get). I also don't feed Google's insatiable desire to index me.

I'm guess it's more akin to "parallel construction" whereby if the comments provide sufficient cover for your existing orders, you can claim that it was a mandate of the constituency, and if not, then you have to do extra work to reframe it so that it is.

Still wondering why we can't have tax id used to authenticate messaging for such comment sites. I mean, like that's a guaranteed unique identifier, non? Its not like you're not putting your name/address on the comment anyway are you?

Prior to Gates, the idea of selling "licensed" software was really not taking off. Once IBM gave him the keys to their PC OS kingdom, Gates was able to push this licensing sales scheme into mainstream.

Were it not for Gates, we may see all software as free (or as a component cost of it's hardware) still today. You can't give Jobs/Apple credit for this. Gates and Microsoft were instrumental to the concept of paying for software.

There are differences in personality and so different approaches may be needed. I have 3 and each one of them requires a slightly different approach. We very rarely hit or yell at our kids (usually it's when the put themselves or the others in danger - e.g. running out into a busy parking lot) - I wont lie and say it never happens. However, one of them likes to follow (i.e., you create a precedent with her sixter and she happily adheres) another one needs to be appreciated so motivation about how it will make everyone happy is helpful, the third likes to stick to schedules so telling her she'll be late or that she'll earn a star for being on time motivates her to be ready and get her siblings ready too. Stickers, mini-treats and the like are very useful as well when appropriate.

I think it's silly to say "there is one best way" - discipline methods are a tool, and you should have several tools in your belt, and use the most effective tool as often as you can. I'm glad to learn about more effective approaches that don't require shouting and/or hitting.

The source is open, but you may need more advanced theory to understand how compilation works...

Can someone tell me if I'm smoking crack or are there three separate fire extinguishers in this picture [1]? Why are there fire extinguishers in a bathroom?

The whole "open space car garage" seems way outlandish, and the use of glass is pretty atrocious, but the views and decor seem pretty awesome. I wonder if the cost to upkeep and maintain such a home might exceed my mortgage costs.

[1] http://images.prd.mris.com/ima...

Got a cite for that? I can't find anyone complaining about DT and slamming or inapprporiate charges on their account. If you do find such an example (assuming such an example exists), would you be so kind as to update Wikipedia?

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

I salute you sir for your efforts. May I kindly ask who your Senator was at the time?

So essentially this (normally human) behavior combined with a lack of consequences (or perverse incentives a al drug war) has led to a nationwide milgram experiment: http://en.wikipedia.org/wiki/M...

Why is the case that the police brutality is so much more widespread these days? Is it a case of "well it was happening but now we know about it because Internet"? or is it that the job is actually changing due to it being relatively consequence-free? We employ more police per-captia than many other countries now, and that number has increased as well.