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Comment Re:Give the consumers a refund on what they paid (Score 2) 48

If you're getting something for free then you're probably the product, not the consumer.

Ladies night at the bar? No, you aren't drinking for free. You're the product being sold to the men.

Free email? No, you aren't getting a service that millions are spent to develop and run for free. You're the product being sold to the advertisers, data conglomerates, and so on.

So, in reality you have a very distinct, real-money recurring value. You may not be able to personally realize direct monetary income from it, but you're certainly giving 'it' to google to sell.

Comment Re:In your face Betteridge! (Score 1) 498

Yes and no.

*IF* you can bruteforce from the 4-digit PIN/PW side then yes, it's trivial. You can brute force a 4-number dial lock in something like an hour.

If you can't and have to bruteforce the actual key (for example, apple secure enclave) then the answer is no. And yes I know there's been at least one POC showing a way around it but that's a vulnerability in the hardware, not a flaw in the algo/crypto.

Comment Re:Don't store multiple hashes! (Score 1) 498

Either you got this from a bad movie or you had some seriously terrible password security. Posting AC because your post is nonsense perhaps?

No reasonably secure password algo allows you to determine single digits individually. Hell, even a bad one wouldn't allow that.

If you're trying to say you had a 12-character password which was actually 3 people with 4 character passwords...well that's incredibly stupid and still wouldn't account for "determine the value of each position"

Comment Re: Well, that's one thing (Score 1) 295

You have some rose colored glasses on or just very limited experience with how much of corporate america works.

Practically speaking, few companies actually require 80 hour work weeks. However it's definitely NOT uncommon for a company to classify someone as exempt (even though the law actually sets the bar fairly high for that) and then require OT 'as necessary'...to the tune of 5, 10, maybe 15 hours or more a week. Of course, they'll tell you that the extra $ is factored into your pay (which it might have been once upon a time).

Can you quit? Of course. But is it practical to up and walk away from a job at the drop of a hat? No. Does a company come out and say "hey, work twice as much starting tomorrow"? Of course not. You just get extra work and tighter deadlines, and what started out as a 40-hour week becomes 45, then 50, then you take some work home, then you're doing email on the weekend at your son's bball game or whatever.

Most of the rest of your points only apply if you work at large companies, and even then, only the much more progressive ones. That may be YOUR experience but it's certainly not the norm.

Comment Re: Well, that's one thing (Score 1) 295

Which is all fine and good.

You let me know when how often individuals succeed in this type of "but...it's NOT CONSTITUTIONAL" type of arguments in regard to contract law. Hint: rarely. The time, effort, and cost to do so is extremely prohibitive so only large, broad cases (or someone wanting the limelight) make it anywhere.

And beyond that, Binding arbitration clauses have been UPHELD in court cases trying to call it unconstitutional and having it stricken (i believe it was verizon or comcast or something similar).

This is why it's beneficial to have these things spelled out clearly and separately.

Comment Re:Thirty-Three Billion (Score 1) 66

It's not the coding. Code monkeys are easy to rent.

It's the idea and, critically, the user base they've built. I'm not saying they're anything special, the 158 million users are.

Now, there's immense potential competition - FB messenger and whatsapp jump out. Others like KIK and the myriad of chat/IM/social media sites are the same.

Snap's plan is to broaden the offering and become more like a visual FB/twitter/IG ... except those already are good at what they do. Minor tweaks would put them on par (see: code monkeys).

There's one fundamental difference between many of the platforms - and that's identity. FB and Whatsapp target a 1:1 existence with your real self (phone number, etc.) while snap/IG/twitter/etc. are based on arbitrary names.

Comment Re:I really wonder sometimes.. (Score 1) 66

They can't.

For one, they'd dilute (or dissolve) their voting block.

Two, there's two people who still have the large majority of shares. If they dumped them on the market en masse the stock price would tumble in a heartbeat.

Three, a CEO (and founder and majority stakeholder) is expected to hold much of their stock - especially in the short term - otherwise investors will bail too...and stock tumbles once again.

Also, there would almost certainly be SEC investigations into fraud and insider trading. You don't go public to divest yourself - the red flags would have their own red flags.

Comment Re:ATM could sell you an adjustable rate mortgage (Score 1) 644

That's...not...really it.

The main reason for an ARM is to save money on interest. Typically ARM mortgages have significantly lower interest rates because the bank doesn't have to factor in the long-term changes to base interest rates. The savings can range, but they're usually substantial. This also allows people to borrow more than they would with a fixed mortgage or pay off their mortgage faster.

The down side is, of course, the gamble. If interest rates go significantly higher you could have a greatly increased payment well beyond your ability to pay.

ARMs aren't bad - in fact they much more accurately reflect the 'cost' of your borrowing. A fixed mortgage just front-loads the risk. If you're borrowing within your means in a relatively stable economy, an ARM is generally a better choice.

Comment Equal pay... (Score 1) 360

...all things being equal.

Now, that also includes the salary you ask for, negotiate, and get. 10 people doing the same job with the same tenure and performance evaluations are still going ot have 10 different salaries ... sometimes vastly different.

If i'm a hiring manager and someone will take $50k even though I have $60k budgeted because it's typical for the position ... I'm going to pay them $50k. That's not discrimination, that's poor negotiation on the employees' part. Then you get promoted a few times which involve % increases...and suddenly you realize you're making 10% less than your peers who got promoted because you were all along because that's the $ you accepted.

While anecdotal, in my 18 years of corporate america I've found that people who aggressively ask for and pursue more $ typically get it. Gender is rarely, if ever, relevant at all.

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