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Comment: Re:Aren't retailers going to be upgrading anyway (Score 1) 62

by Dorianny (#49093225) Attached to: Samsung Takes On Apple Pay By Acquiring Mobile Wallet Startup LoopPay
The merchant is already liable for fraudulent transactions. When a customer initiates a charge-back because of claim of fraud the credit-card processor holds payment and asks the merchant for documentation to verify the transaction. If the card number was entered instead of swiped or the signature doesn't match the one the credit-card company has on file the merchant than the merchant doesn't get payment. Exactly what part of this process is supposed to change with these new liability rules? If anything it makes it harder for the customer to claim fraud.

Comment: Re:Aren't retailers going to be upgrading anyway (Score 1) 62

by Dorianny (#49092985) Attached to: Samsung Takes On Apple Pay By Acquiring Mobile Wallet Startup LoopPay
The shift is supposed to be pretty much in effect beginning of 2016 but there really is little movement in either the part of the banks or the merchants. The banks don't want to spend money to quickly replace the cards with something nobody yet takes and merchants don't want to spend money to take cards that haven't been issued yet.

Comment: Re:someone explain for the ignorant (Score 1) 448

by Dorianny (#49085581) Attached to: Credit Card Fraud Could Peak In 2015 As the US Moves To EMV

I'm surprised that it's not the merchants that shall take full responsibility for fraud. That would raise the stakes on them to request photo ID or for online sales other means of supplementary identification.

When a charge-back is initiated because of a claim of fraud the payment-processor will hold payment to the merchant and ask them to provide documentation that the transaction is legitimate. On most businesses that would be a copy of the receipt with a matching signature but high risk business such as night-clubs they are (informally) asked to make photocopies of the credit card and drivers license for transactions over a certain amount. More often than not the payment-processor will find some "irregularity" and fault the merchant. If the processor finds the transaction is valid than it informs the CreditCard issuer and they will often write it off as cost of doing business. In conclusion with the pin and chip there will be little change for the merchant but I suspect it will become harder for consumer to initiate a fraud charge-back.

Comment: Re:Time for men's liberation (Score 1) 369

by Dorianny (#49071457) Attached to: Two New Male Birth Control Chemicals In Advanced Stages

Which is obviously not how we measure effectiveness. There's a 2% chance *per year* that a couple that use condoms as their only birth control method will get pregnant and say they didn't mess it up. ("No, I swear, we put the condom on and pinched the air out of it but it didn't work.")

Studies have basically found that the "2% failure rate" may be artificially inflated by false reports of condom use, and most condom failures happen to a small group of people who are not using them correctly despite reporting "perfect" use.

Do not have a little "fun" before putting the condom on to get down to business, pre-cum can contain live-sperm. Do not use a oil based lubricant, it weakens latex. Do replace the condom or apply lubricant if things get dry, friction weakens latex. Do these things and you can have a lifetime of carefree recreational sex

Comment: Re:Do we need 8K, except for special purposes? (Score 1) 94

Nope. I saw an 8K video at CES. It's jaw dropping, like looking out a window. It's clearly superior to 4K.

What you are seeing is the exceptional quality of a properly calibrated top of the line Tv. Provided that you are not sitting right in front of it you will not notice a difference from a top of the line 4K Tv and if you take a few steps even further back even a top of the line HD Tv will look just as good. I really love it when people compare old TFT LCD's to new higher quality IPS LCD displays and proclaim to be able to tell the huge difference retina makes. Hint it has little to do with resolution.

Comment: Re:FDA == slow progress too (Score 4, Informative) 80

by Dorianny (#49051931) Attached to: Unearthing Fraud In Medical Trials

The problem then, is that the illness is rare enough that you could never make back $2.5 billion dollars selling three pills per year to patients, so no big pharma company would want to go thru all the red tape to get it approved by the FDA. As a result, there remains no effective FDA-approved treatment for CH.

Under U.S law rare diseases are designated as "orphan disease" and the FDA can give " orphan drug" status to drugs specifically targeting the rare disease. The law gives tax incentives, enhanced patent protection and even subsidizes clinical research. In the U.S there is more than 300 orphan designated drugs under clinical trial process. The problem with your LSD like chemical is that it is likely so similar that you are in dubious legal ground with regard to anti-drug legislation. That is not the fault of either the FDA or the pharmaceutical industry.

Comment: Re:A smart phone is rarely convenient (Score 1) 248

by Dorianny (#49051661) Attached to: Smart Homes Often Dumb, Never Simple

I think the missing key in current smart home options that most people can actually afford to purchase, is reliable voice control. I know Google's acquisition of Nest (and whatever Apple gets around to doing) will make a big difference here, but I can already say that I'd be a lot happier with my "smart" lighting if I had:

A: More money for more components such as light switches and socket replacements. B: Voice controls that were as responsive and reasonably reliable as the Amazon Echo, which gets it right a surprisingly large amount of the time.

Microsoft learned the hard way with the xbox 360 kinetic fiasco that nobody like yelling at their TV. I suspect google will quickly find out that nobody likes yelling at light switches either.

Comment: Re:More liberal than libertarian (Score 2) 580

by Dorianny (#49044305) Attached to: Low Vaccination Rates At Silicon Valley Daycare Facilities
Don't want to vaccinate your kids. No problem, but we should keep them out of public schools to at least minimize the risk of damage this particular liberty can cause to other peoples children who might not have the option to vaccinate theirs. Liberty does not free you of the consequences of your choices.

Comment: Re:Another silly decision (Score 1) 480

by Dorianny (#49035433) Attached to: The Mathematical Case For Buying a Powerball Ticket

buying a home. Hasn't made sense since the 1970s. The social contract is broken, you no longer can rely on job security or a decent pension. Yet the banks still expect you to pay them on time. A home is a *liability*, not an investment.

No, rent is a liability with no possible return on what you put in. Renting is for suckers and I wish that I had bought over a decade ago instead of renting all that time. I finally got into the property market and the assessed value of my condo has increased in just 6 months.

If someone paid as much rent in 20 years as they did owning a house than you would have a strong argument, that is never the case thou.

People will typically buy much more house than they were renting. Empty bedrooms, guestrooms, extra garage used for storage, rarely used home office, these are all common for owned homes but rarely have I seen renters with unneeded space.

People rarely calculate the price of yearly insurance, maintenance and repair needed for a house, things that are included in rent but not in a mortgage.

People almost never calculate the price of long term maintenance. Roofs, piping, septic-system at least one of those among others, is likely to need major maintenance/replacement every 15-20 years.

Finally, a lot of people spend a lot of money on improvements that do not add value. Things like swiming-pools, wall-to-wall carpeting, kitchen and bathrooms remodeling.

All the extra money going into the home could have been used to invest on things with much higher returns. About the only way a home as a investment makes sense is as a forced investment, in-case you simply cannot make yourself put aside a portion of your income.

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