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Comment Re:Credit scores are not what you think they are (Score 1) 101

Not really.

If you have a lot of credit, but low utilization the risk to new lenders is higher.

Consider this:

You have five credit cards with limits of 20k, and only about 2k in current balance. That means you can potentially run out tonight and rack up 98k in new debt. You don't have a 'history' of being able to service that much additional debt successfully.

Now lets compare you to another person with 5 cards also with 20k limits, but a normal balance of something like 75k outstanding.. They have been paying on it for years, and never missed a payment or otherwise been in default.

Now both of you are applying for a an auto loan, the monthly minimum payment will be $200. All other things being equal which one of you do I actually know more about you likely being able to pay me?

Its the guy with more credit utilization. He is already showing he make payments on most of his current credit, his current liability situation can't deteriorate significantly - his other lendors will decline payment authorizations. If he seems 'stable and sane' right now he thinks he can handle the additional $200 he can. I don't know you won't get in a fight with the wife tomorow that ends in her running out and replacing all the furniture in your house to vex you, and leave you bills you can't pay, or that you won't develop a serious problem with Draft-kings, etc.

Comment Re:Misleading headline (Score 1) 61

If the gov't (yeah, i know) mandated a sliding cost scale, with highest prices for the biggest users, things would change rather quickly

I've said this before. That won't work. Business, unlike homeowners, have the ability to create shell companies. The effort required to avoid rules like that is negligible for businesses. All that does is massively increase the billing hassle for the power companies.

Comment Re:Wrong Model (Score 1) 61

If it's the same as here, then there is simply no market incentive for localized storage even though there is a massive need. For market to drive distributed storage, you need extremely local pricing.

In California, they have messed with the cost structure enough that solar without storage is usually not worth doing beyond your peak usage, because your excess power production won't net you nearly as much as you pay to buy that power back later in the afternoon.

Comment Re:"and found no evidence of exploitation" (Score 1, Troll) 20

It is easy to not find evidence of something if you don't look to hard.

This is a case where even if there were IOCs and you found them the clean up would be nearly impossible. Think about their 'Shared Responsibility Model' and the implication here. If MS were acknowledge some kind of serious breach occurred in their core Entra-ID IAM platform...they'd either have to be able to be able to conclusively identify all the impacted subscriptions or every single one of their subscribers would have to kick off their own IR process because how could they know they have not been backdoor'ed from inside their subscription.

Microsoft does 'dog food' so if Entra was exploited MS's internal management is possibly compromised so they could not be 'certain' about the impacted customers, at best they might get some sort of 'beyond a reasonable doubt level of certainty but we could never hit the 'yes the sky is blue standard'.

A not insignificant portion of MS clients (even pretty big important ones) likely have pretty deficient IR capabilities, independent of if they know it or not. Even the good ones are not at the 'we can assuredly remove any persistence work a state-level-actor did on our compromised systems' level without resorting to a large scale rollback-restore. Think the Azure infrastructure could handle that level of activity, the amount of storage-I/O to do all the analysis and IOC searches? the compute and I/O to do mass restores, all in small window...doubtful?

There is also the core defect in MS's approach to authentication that go back to the earliest days of NT, Microsoft stuff gratuitously authenticates all-the-time...Even when that isn't being directly exploited to gather authentication assets like hashes etc for attacks, it means the number and often meaningless or outright spurious log events make understanding what an actor malicious or otherwise was doing with an given set of credentials in terms of intent challenging. (Don't attack me for this statement I did not say impossible, IR professionals and good network security admins can, it just isn't simple.) Which adds a lot of cost to cleaning up an incident like this - if one were to be triggered.

So I don't think we should over look the POWERFUL motivations to declare this one contained. I do think we should recognize that Azure and AWS are probably 'TBTF' and really Congress should be taking a hard look at forcing some divestment and perhaps limiting the size of SaaS/PaaS providers in general. It is just to many eggs in one basket, there is a serious National Security and economic risk here. It comes down to a poorly managed or neglected mill pound might flood a few neighboring farms from time to time but if the damn breaks a large hydro electric resivor it might wipe entire towns off the map. The former might happen a lot more often because of who is in charge, and what resources the have to secure and maintain it, but you have to look at costs in terms of impact * probability. At some point the impact factor is just to large, for anything but a zero probability to be tolerable.

Comment Re:20% as much CO2 (Score 1) 79

80% less than cars is a lot less, but I'm kind of surprised it's that much. It actually makes me wonder how a Prius would fare compared to a klunky old half-full (per load factor statistics) Amtrak train.

Part of the problem is that trains are really, really heavy. A double-decker passenger train car might weigh 180,000 pounds and carry only 100 people, for a total weight of 1,800 pounds per car plus the person. So you're carrying half the weight of that Prius. The trains are still vastly more efficient because you have one powertrain accelerating all of those people in Priuses (Prii?) instead of hundreds, they accelerate and decelerate slowly (and rarely), they have low rolling resistance, etc.

Imagine how much more efficient they would be if train cars were improved with modern technology to bring the weight down.

Comment Re:"Strenghten the value" (Score 4, Informative) 230

Crossed them off the list.

Wow. Their refrigerators reportedly have among the worst reliability stats out of all the major brands, but ads are the reason you're rejecting them? I'm kind of assuming the ads are to recover the unexpectedly high cost of warranty repairs and food loss claims. :-)

Having used a lot of their Blu-Ray players and TVs over the years, Samsung reached peak ensh*ttification a long time ago, IMO. What remains is the long-tail death spiral.

Comment Re:Better question (Score 1) 230

about the only case I can think of is interactive recipes.

Think about being able to check off ingredients or steps as you complete them.

Maybe being able to click and ingredient and select "recommend substitutions" - conceivably the smart fridge might know what you actually have to chose from.

The ability to note you are out of something and build up a shopping list, better than on paper because the system can sort the list by category / alphabetical / however later so its ordered sensible for the shopping trip

An easy way to control music playback while you do cooking/cleaning chores in the kitchen..

There are useful things you can do with a vertically mounted, easy cleanup, food/water proof screen in a kitchen for sure. - Now I am not sure building these features into an appliance you might keep for 15 years, is smart, maybe a better feature would just be a removable mount/plate that lets you install the 7 - 13" tablet of your choice on the door and then it might be smarter still integrate that into the cabinetry rather than the fridge but..

Comment Re:Deserve what you get (Score 1) 230

The problem is that the volume of dumb people will get it inflicted on the rest of us. Try buying not a smart TV today. You either have to get some sort of commercial offering, that comes with a crazy price premium or you're getting smart tv that spies on your and sprinkles in ads all over the place.

All because to many people decided they'd rather pay 499 instead of 599 because that is just how little they actually value their privacy and user experience.

Sure you can not connect it to the internet, but they can't use any of the useful features, or you can play DNS games and whatnot if you have the technical savvy and the time, but there are still going to be lot of opaque TLS streams that you just can never be sure what contain, at least not with voiding your warranty connecting the JTAG interface... the same will be true of all fridges that are generally availible soon enough..

Comment Re:Not really a rival (Score 3, Interesting) 49

Compare the market caps though, Nvidia and Intel are not on the same order of magnitude.

I don't think there is much a of frenemy relationship really to speak of.

My guess is this about two things:
1) Nvidia ensuring they have or could get some access to an x86 license if AMD is somehow able to both make some kind of great leap in MIMD compute space and at the same time is able to deliver some kind of integration advantage with integration in traditional compute in memory architecture with EPYC parts.

2) Being sure they have access to some kind of FAB capacity in the event the excrement hits the fan around TSMC, and with a "partner" to whom they could dictate terms.

Comment Sensationism at its finest (Score 5, Informative) 101

So the actual median and modal scores hardly moved. The explanation given Zs credit use trends is well known and it is the 'reporting' of student loan delinquency.

So really Zs overall credit worthiness has not changed much it is just the scoring algorithm is producing a slightly different result because a federal policy changes in how unpaid student loans are classified/reported.

Comment Re:Parents removed the last ban in 1974 (Score 1) 190

The problem is that families would get a one-hour shift for *some* family members but not others, which is something that the current system avoids.

I guess I don't see the issue. As long as it is mostly consistent from year to year, that is just something you plan around and problem solve just like the ones you have currently.

Ok so now you need one hour of childcare in the AM and two in the afternoon all year round. Do what I am suggesting in part of the year you need 2 hours in the AM perhaps and one hour in the afternoon or something. You won't be the only one the local providers are going to staff around whatever the local schools do just like they do now. If it is your retired mother in law, she just adapts her schedule like she is already doing.

I am not trying to be flip but most families have schedules that shift during the year. Johny has baseball practice in the evenings all summer, than Saturday games in fall. Sally has her seasonal job as a lifeguard, so she can't babysit little brother Johny in the afternoon part of the year. All these schedule problems exist regardless of what the clocks say.

I think it far more limiting to insist that Bob's job that involves sitting in front of a computer under artificial light in an office without a windows be shifted toward day light coincidence along with everything else, just because...

Comment Re:Um... No. Hijacking this thread for Jimmy Kimme (Score -1) 35

No. Hijacking this thread for Jimmy Kimmel

Ok I'll bite and try to steer it back on topic at the same time!

I am looking forward to learning more about the middle steps here.

1) Acquire the branding for the greatest sh*t-show in event planning history, this century
2) ??
3) Profit!

Honestly I think it is a sad commentary on the attention span of our society these days. Once upon a time not so very long ago companies used to rebrand to try to escape associations with past frauds, calamitous management failures, massive product failures, and the like.

Now it seems like all you have to know to do marketing is "There is no such thing as bad publicity" because people just remember the name and little else, and recognition is usually better than unfamiliarity in the consumer mind. It is still possible to be 'too soon' as Jimmy Kimmel and his writers room just found out. That requires 'comically poor judgement' though. -See what I did there?

Comment Re: Agriculture (Score 1) 50

Perhaps someone has noticed this with you before, but your second paragraph argument could have been lifted straight from any confederate newspaper in the 1850's.

Thank you for clarifying that for me.

Note to self: Immigrants are the new slaves that no one can live without.

Until the tools get better, yes. Slavery would likely have ended by now even without the Civil War because of the cotton picker. The same thing is happening to the remaining agricultural jobs now, thanks to AI.

Strawberry picking robots are already good enough to do the job, just with a ridiculously high up-front cost (like $300k each, which is probably well over a hundred years worth of labor costs, and possibly several hundred). The next generation are going to be more like $12k, which is more like 20 years of labor costs, assuming $4 per hour sub-minimum wage, 40 hours a week, and 4 weeks of picking in a year, and more like 5 years at U.S. minimum wage.

But that's not the whole story. The latest generation are also faster than people, and can work 24x7, so you can use less than a third as many. So now you're at more like a year or two for break-even.

Heck, it wouldn't surprise me if all the screaming from California about lack of farm labor isn't just a cover story, all while quietly letting the Trump administration reduce the immigrant farm labor because they won't be needed in the future. It makes the left look good to their base by paying lip service to defending them while making the right look good to their base by terrorizing them and scaring them out of the country. And it wouldn't surprise me if some of the farm tech companies building these picking machines aren't actively lobbying for it. I mean, maybe that's happening a few years too soon, but we're not talking about decades before that labor no longer provides any real benefit; we're getting very close to that point.

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