Saturday, October 22, 2016

Forgive but don't forget

If you don't forgive, you continue to hurt yourself.If you forget, you will let others do the same thing to you again.

Friday, October 21, 2016

What should I do when I get a credit card closure notice?

I don't know yet but when I find out a path, I will let you know what I did.

Your credit card account will close when your card expires

We're writing to let you know that your credit card will close on its expiration date within the next two months. Your account has no balance, and we're closing it because it hasn't had any recent activity. you may use the card until it closes, but using it won't keep it open. 

Here are a few reminders about closed accounts 
  • Destroy all cards and access checks 
  • Contact any merchants that automatically bill the account for ongoing services, such as insurance, internet and memberships, and make other payment arrangements. 
  • Make payments on any remaining balance by the due date on your statements. 
  • Review the current terms and conditions that still apply to this account. 
  • Tell anyone else that uses the account that it is closed. 
If your account earns rewards, check your rewards activity.
  • If you redeem rewards through chase, you have at least 30 days to use them or you'll lose them. 
  • If you redeem rewards through a partner loyalty program, we'll transfer them to the partner. 
  • Before your rewards are used or transferred, you can lose them for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of your rewards program. 
  • See the terms of your rewards program for details. 
If you have questions, you can call us anytime at the number on the back of your card. If you need a credit card in the future, we hope you'll consider Chase.


Lending Services

Tuesday, September 27, 2016

npm considered harmful

They're you go, someone else said it as well :

Node.js is cancer. We all use it, because of the momentum it has with designers instantly being able to declare themselves "full-stack devs", but make no mistake -- Node.js and npm are an abomination that we will look back on in ten years and shudder.

Seen at

Full quote:

> You do realize that Python was not only built to appeal to "non-devs"

... as an alternative to C++ and Perl. And in that respect, it is a snap to pick up. It is pretty easy, not as easy as, say, Javascript, but still easy to pick up, I agree.

Node.js is cancer. We all use it, because of the momentum it has with designers instantly being able to declare themselves "full-stack devs", but make no mistake -- Node.js and npm are an abomination that we will look back on in ten years and shudder.

Sunday, September 25, 2016



Dear [redacted],
We are writing to inform you about a data security issue that may involve your Yahoo account information.

What Happened?

A copy of certain user account information was stolen from our systems in late 2014 by what we believe is a state-sponsored actor. We are closely coordinating with law enforcement on this matter and working diligently to protect you.

What Information Was Involved?
The stolen user account information may have included names, email addresses, telephone numbers, dates of birth, hashed passwords (the vast majority with bcrypt) and, in some cases, encrypted or unencrypted security questions and answers. Not all of these data elements may have been present for your account. The ongoing investigation suggests that stolen information did not include unprotected passwords, payment card data, or bank account information; payment card data and bank account information are not stored in the system that the investigation found to be affected.

What We Are Doing

We are taking action to protect our users:

    We are asking potentially affected users to promptly change their passwords and adopt alternate means of account verification.

    We invalidated unencrypted security questions and answers so they cannot be used to access an account.

    We are recommending that all users who haven't changed their passwords since 2014 do so.

    We continue to enhance our systems that detect and prevent unauthorized access to user accounts.

    We are working closely with law enforcement on this matter.

Our investigation into this matter continues.

What You Can Do

We encourage you to follow these security recommendations:

    Change your password and security questions for any other accounts on which you used the same or similar information used for your Yahoo account.

    Review your accounts for suspicious activity. 

    Be cautious of any unsolicited communications that ask for your personal information or refer you to a web page asking for personal information.

    Avoid clicking on links or downloading attachments from suspicious emails.

Additionally, please consider using Yahoo Account Key, a simple authentication tool that eliminates the need to use a password altogether.

For More Information

For more information about this issue and our security resources, please visit the Yahoo Security Issue FAQs page available at

Protecting your information is important to us and we work continuously to strengthen our defenses against the threats targeting our industry.

Bob Lord
Chief Information Security Officer

Monday, September 5, 2016

Is anyone truly evil? What is evil?

Google defines evil as profoundly immoral and malevolent. It then turns around and defines malevolent as having or showing a wish to do evil to others.We know morality is subjective and dependent on the observer. Therefore, we can discard any mention of morality when it comes to logical thinking. Even with this concession, the definition of evil is  truly lacking.

Do we say a lion is evil for hunting and eating an antelope? Do we say a man is evil for going to a forest and eating a cantaloupe? Do we say a man is evil for taking pleasure in the pain and suffering of others? It is all subjective therefore any discussion about "evil" has no place in a logical discourse. When someone says so and so is evil, we can safely disregard their argument because the whole premise doesn't matter.

Sunday, June 19, 2016

Five hour headstart: an outrageous thought experiment

As I read and the comments there, I am thinking of what would be a good way to help people. One outrageous idea in my mind is to give every adult a head start --  every adult gets a paycheck at minimum wage worth n hours of work each week, exempt from any income tax (federal, state, local, or otherwise) by law. I think a sweet spot would be n = 5. At fifteen dollars per hour, this translates to under $10.72 a day. Needless to say, such a program would be extremely expensive. If we extend it to every person in the United States, which we shall assume is about 320 million. It would cost almost $1.25 TRILLION DOLLARS at the above rate. Just to show how big this number is, the US Federal Tax Revenue for 2015 was $3.25 trillion.
By Farcaster at English Wikipedia, CC BY-SA 3.0,

By Farcaster at English Wikipedia, CC BY-SA 3.0,
Even as a thought experiment, this is a little too expensive. Let us try to constrain ourselves a little here. According to Wikipedia, 19.4% of the population is fourteen years old or younger. Lets be conservative and estimate that 80% of the population is eighteen years old or older. If we only pay adults eighteen or over, we have limited ourselves under the one trillion dollar mark.

The key here is to make this available to everyone without any means testing at all. Of course, we can expect that there will be significant resistance from everywhere against this plan, even though it is just a thought experiment. If you have any thoughts, please feel free to write a comment.