https://pinboard.in/u:jm/public/ recent bookmarks from jm 2026-06-22T10:44:02+00:00 https://www.freerange.city/p/why-do-commercial-spaces-sit-vacant jmThe short answer is both simple and surprising: in many cases, lowering the rent on a building will *force the bank to foreclose on it*. Foreclosure is very bad for both the bank and the operator, so both parties would rather “extend and pretend,” leaving the building vacant while they wait and hope for the market to change. ]]> via:hn finance money real-estate buildings commercial-property dereliction empty-buildings vacancy extend-and-pretend loans foreclosure https://pinboard.in/ https://pinboard.in/u:jm/b:0751972cafe0/ 2025-07-25T14:40:27+00:00 https://wero-wallet.eu/ jm payment money eu wero banking payments https://pinboard.in/ https://pinboard.in/u:jm/b:a55e461a07a3/ 2024-07-23T09:25:54+00:00 https://actualbudget.org/ jm finances open-source self-hosted budgeting money banking banks https://pinboard.in/ https://pinboard.in/u:jm/b:1a8d7e722c3e/ 2023-05-11T22:35:06+00:00 https://newsletter.pragmaticengineer.com/p/datadogs-65myear-customer-mystery jm datadog saas coinbase fail lol money https://pinboard.in/ https://pinboard.in/u:jm/b:55a077fbe315/ 2023-05-11T16:17:51+00:00 http://davidhunt.ie/solar/ jm quotes solar-pv solar home money finance https://pinboard.in/ https://pinboard.in/u:jm/b:c8e65845f3f6/ 2020-08-24T09:36:27+00:00 https://en.wikipedia.org/wiki/Interchange_fee jm fees credit-cards interchange-fees us money https://pinboard.in/ https://pinboard.in/u:jm/b:98038a0e0d70/ 2020-08-20T10:26:30+00:00 https://irelandcoins.ie/percy-metcalfe/ jm coins history ireland numismatism design art money https://pinboard.in/ https://pinboard.in/u:jm/b:b4185452585f/ 2020-05-08T09:17:31+00:00 https://www.newscientist.com/article/2242937-universal-basic-income-seems-to-improve-employment-and-well-being/#Echobox=1588847201 jmThe world’s most robust study of universal basic income has concluded that it boosts recipients’ mental and financial well-being, as well as modestly improving employment. Finland ran a two-year universal basic income study in 2017 and 2018, during which the government gave 2000 unemployed people aged between 25 and 58 monthly payments with no strings attached. The payments of €560 per month weren’t means tested and were unconditional, so they weren’t reduced if an individual got a job or later had a pay rise. ]]> finland ubi dole unemployment society money life https://pinboard.in/ https://pinboard.in/u:jm/b:109adafecec6/ 2020-02-03T16:19:07+00:00 https://github.com/philsturgeon/awesome-earth/issues/107 jm via:philsturgeon investing investment finance green climate money https://pinboard.in/ https://pinboard.in/u:jm/b:a9416f1649e9/ 2019-10-21T12:51:17+00:00 https://medium.com/@JamesCrowley/climate-friendly-investing-when-youre-using-passive-etfs-and-tracker-funds-b96fe492e258 jmPassive ETFs and tracker funds have become common way to achieve a low-cost diversified portfolio across global indices. The proportion to which the biggest greenhouse gas emitters feature in these indices, and correspondingly in my own passive investments bothered me, so I wanted to see what options I had to tackle it. ]]> investment investing climate-change climate etfs tracker-funds money https://pinboard.in/ https://pinboard.in/u:jm/b:7993bcd566d8/ 2019-03-06T13:04:14+00:00 https://uk.camelcamelcamel.com/ jm amazon shopping deals buying money https://pinboard.in/ https://pinboard.in/u:jm/b:4eb7da184e44/ 2019-01-18T10:10:33+00:00 https://instaguide.io/ jm ec2 instances aws pricing hosts spot-instances money https://pinboard.in/ https://pinboard.in/u:jm/b:b0929e6d1b0a/ 2018-10-02T12:55:23+00:00 https://www.vox.com/science-and-health/2018/10/1/17923720/immunotherapy-cancer-cost jmOne final disturbing aspect of the cancer cost conundrum: Public money helped pay for many of the drugs that patients can’t afford to access. In a recent analysis, published in the journal PNAS, researchers found that American tax dollars helped fund the basic research that went into every single one of the drugs approved by the Food and Drug Administration between 2010 and 2016 — including several cancer immunotherapies. All told, $100 billion in National Institutes of Health research grants helped advance the science behind those drugs. So the Nobel Prize this week is a reminder of the great promise of these drugs — and the incredible, lifesaving science that led to their discoveries. But it should also be a moment to reflect on who is benefiting from them and who isn’t. How will the 1.7 million Americans who are diagnosed with cancer per year gain access if prices keep rising and we don’t address this cost conundrum soon? ]]> cancer immunotherapy drugs costs money pharma science medicine research https://pinboard.in/ https://pinboard.in/u:jm/b:c1b638cdcd35/ 2018-05-17T21:29:10+00:00 https://grist.org/article/bitcoins-energy-use-got-studied-and-you-libertarian-nerds-look-even-worse-than-usual/ jmBitcoin’s energy footprint has more than doubled since Grist first wrote about it six months ago. It’s expected to double again by the end of the year, according to a new peer-reviewed study out Wednesday. And if that happens, bitcoin would be gobbling up 0.5 percent of the world’s electricity, about as much as the Netherlands. That’s a troubling trajectory, especially for a world that should be working overtime to root out energy waste and fight climate change. By late next year, bitcoin could be consuming more electricity than all the world’s solar panels currently produce — about 1.8 percent of global electricity, according to a simple extrapolation of the study’s predictions. That would effectively erase decades of progress on renewable energy. ]]> energy bitcoin blockchain cryptocurrencies money climate-change planet green https://pinboard.in/ https://pinboard.in/u:jm/b:eb0b7c0d51a5/ 2018-04-10T10:26:23+00:00 https://twitter.com/gravislizard/status/983368802992668683 jmWe know that no company, regardless of size, can be trusted with this information. We KNOW it will not stay private, our photos of our partners genitals and tax documents will become public either deliberately or accidentally. We know that any company that tries to buck this trend can't be trusted, and even if they are completely, absolutely transparent, it doesn't matter because we will wake up one day to discover they were purchased at 2 AM and the data transfer /already started/ We represent billions in revenue but they hold our info in escrow and that means we don't have enough money to buy their loyalty, because a business considers business money more real than person money. ]]> money funding capitalism silicon-valley internet web google facebook banks banking https://pinboard.in/ https://pinboard.in/u:jm/b:42bd6abc8970/ 2017-07-24T13:39:27+00:00 https://news.ycombinator.com/item?id=14691212 jm"Solidity/EVM is by far the worst programming environment I have ever encountered. It would be impossible to write even toy programs correctly in this language, yet it is literally called "Solidity" and used to program a financial system that manages hundreds of millions of dollars." Via Tony Finch ]]> blockchain ethereum programming coding via:fanf funny fail floating-point money json languages bugs reliability https://pinboard.in/ https://pinboard.in/u:jm/b:ca02abcc222e/ 2017-07-03T11:00:26+00:00 http://www.npr.org/sections/alltechconsidered/2016/01/08/462250239/when-an-index-card-of-financial-tips-isnt-enough-this-book-is-there jm finance money advice npr 401k pensions financial-advisors https://pinboard.in/ https://pinboard.in/u:jm/b:aea0606848c1/ 2017-05-18T14:43:35+00:00 https://segment.com/blog/spotting-a-million-dollars-in-your-aws-account/ jmYou can easily split your spend by AWS service per month and call it a day. Ten thousand dollars of EC2, one thousand to S3, five hundred dollars to network traffic, etc. But what’s still missing is a synthesis of which products and engineering teams are dominating your costs.  Then, add in the fact that you may have hundreds of instances and millions of containers that come and go. Soon, what started as simple analysis problem has quickly become unimaginably complex.  In this follow-up post, we’d like to share details on the toolkit we used. Our hope is to offer up a few ideas to help you analyze your AWS spend, no matter whether you’re running only a handful of instances, or tens of thousands. ]]> segment money costs billing aws ec2 ecs ops https://pinboard.in/ https://pinboard.in/u:jm/b:37e7b0f5b58b/ 2017-05-13T20:25:22+00:00 https://krebsonsecurity.com/2017/05/global-wana-ransomware-outbreak-earned-perpetrators-26000-so-far/ jmAs thousands of organizations work to contain and clean up the mess from this week’s devastating Wana ransomware attack, the fraudsters responsible for releasing the digital contagion are no doubt counting their earnings and congratulating themselves on a job well done. But according to a review of the Bitcoin addresses hard-coded into Wana, it appears the perpetrators of what’s being called the worst ransomware outbreak ever have made little more than USD $26,000 so far from the scam. ]]> money fraud ransomware wana brian-krebs bitcoin cryptocurrency viruses https://pinboard.in/ https://pinboard.in/u:jm/b:885d7eff43ad/ 2016-12-20T16:10:26+00:00 https://www.youtube.com/watch?v=9hVYUr1RmHU jm yelp scaling aws spot-fleet ops spot-instances money https://pinboard.in/ https://pinboard.in/u:jm/b:42291b9a6669/ 2016-09-22T11:11:10+00:00 http://www.thepropertypin.com/viewtopic.php?f=19&t=66404&sid=2522b0f1f07392464adfe92ca71c9bd0 jm prize-bonds investment ireland money bonds tax https://pinboard.in/ https://pinboard.in/u:jm/b:b00540b402a6/ 2016-04-08T10:56:29+00:00 http://www.slideshare.net/pwakeford/aws-sydney-meetup-april-2016-paul-wakeford jmaws ec2 costs money hosting ops https://pinboard.in/ https://pinboard.in/u:jm/b:68166c52777a/ 2016-03-25T11:52:31+00:00 https://tahoe-lafs.org/pipermail/tahoe-dev/2016-March/009695.html jmBut ECDSA private keys don't trigger the same protective instincts that we'd apply to, say, a bar of gold. One sequence of 256 random bits looks just as worthless as any other. And the cold hard unforgeability of these keys means we can't rely upon other humans to get our money back when we lose them. Plus, we have no experience at all with things that grow in value by four orders of magnitude, without any attention, in just three years. So we have a cryptocurrency-tool UX task in front of us: to avoid mistakes like the one we made, we must to either move these digital assets into solid-feeling physical containers, or retrain our perceptions to attach value to the key strings themselves. ]]> backups cryptography bitcoin cryptocurrency ecdsa private-keys ux money https://pinboard.in/ https://pinboard.in/u:jm/b:e60570e882d4/ 2016-02-21T11:35:03+00:00 http://www.independent.ie/business/personal-finance/you-could-pay-40k-in-fund-fees-even-if-you-lose-money-30354473.html jm prsa savings retirement money investment fees irish-life pensions https://pinboard.in/ https://pinboard.in/u:jm/b:a0253782df41/ 2016-01-12T14:45:43+00:00 https://github.com/jlevy/og-equity-compensation jm equity startups money pay salary rsus stock-options stock https://pinboard.in/ https://pinboard.in/u:jm/b:8430d85da7b2/ 2015-12-14T11:46:52+00:00 https://www.facebook.com/kevin.lyda/posts/10153262761131966?pnref=story jm pensions money life via:klyda stocks savings shares property ireland old-age retirement https://pinboard.in/ https://pinboard.in/u:jm/b:9e31cfadf343/ 2015-09-30T10:02:09+00:00 https://www.currencyfair.com/?channel=RRBUT1 jm via:phickey money money-transfer currency currency-conversion tools recommendations https://pinboard.in/ https://pinboard.in/u:jm/b:c1b8438b0d88/ 2015-09-29T13:02:10+00:00 http://www.rte.ie/news/2015/0929/731098-comptroller-auditor-general-report/ jmThe C&AG has said it is not clear that the €38m scheme will achieve the data-matching benefits the Government had hoped.  Well, that's putting it mildly. ]]> eircode fail ireland costs money geo mapping geocoding https://pinboard.in/ https://pinboard.in/u:jm/b:6c1832a34a5f/ 2015-07-19T21:33:59+00:00 http://www.werebank.com/ jm freemen funny werebank banking money on-my-oath maritime-law https://pinboard.in/ https://pinboard.in/u:jm/b:f4dae9351178/ 2015-05-20T16:22:38+00:00 https://www.currencyfair.com/ jm currency-conversion currencies money transfer international expats p2p via:mice https://pinboard.in/ https://pinboard.in/u:jm/b:5291ddde7a40/ 2014-09-27T20:16:20+00:00 https://ello.co/waxpancake/post/oy73kFfDdhOPh8Jv9z9pFA jmThe Ello founders are positioning it as an alternative to other social networks — they won't sell your data or show you ads. "You are not the product." If they were independently-funded and run as some sort of co-op, bootstrapped until profitable, maybe that's plausible. Hard, but possible. But VCs don't give money out of goodwill, and taking VC funding — even seed funding — creates outside pressures that shape the inevitable direction of a company. ]]> advertising money vc ello waxy funding series-a https://pinboard.in/ https://pinboard.in/u:jm/b:3d2c6f98ddb0/ 2014-06-30T16:47:17+00:00 http://boingboing.net/2014/06/24/thomas-pikettys-capital-in-t.html jm history capitalism economics piketty capital finance taxation growth money cory-doctorow thomas-piketty https://pinboard.in/ https://pinboard.in/u:jm/b:bce1db32c25e/ 2014-05-29T14:07:36+00:00 https://en.bitcoin.it/wiki/Proof_of_burn jmmethod for bootstrapping one cryptocurrency off of another. The idea is that miners should show proof that they burned some coins - that is, sent them to a verifiably unspendable address. This is expensive from their individual point of view, just like proof of work; but it consumes no resources other than the burned underlying asset. To date, all proof of burn cryptocurrencies work by burning proof-of-work-mined cryptocurrencies, so the ultimate source of scarcity remains the proof-of-work-mined "fuel". ]]> bitcoin proof money mining cryptocurrency https://pinboard.in/ https://pinboard.in/u:jm/b:0a24465eb62c/ 2014-04-14T10:35:55+00:00 http://veridicalsystems.com/blog/of-money-responsibility-and-pride/ jmI stand in awe of their talent and dedication, that of Stephen Henson in particular. It takes nerves of steel to work for many years on hundreds of thousands of lines of very complex code, with every line of code you touch visible to the world, knowing that code is used by banks, firewalls, weapons systems, web sites, smart phones, industry, government, everywhere. Knowing that you’ll be ignored and unappreciated until something goes wrong. The combination of the personality to handle that kind of pressure with the relevant technical skills and experience to effectively work on such software is a rare commodity, and those who have it are likely to already be a valued, well-rewarded, and jealously guarded resource of some company or worthy cause. For those reasons OpenSSL will always be undermanned, but the present situation can and should be improved. There should be at least a half dozen full time OpenSSL team members, not just one, able to concentrate on the care and feeding of OpenSSL without having to hustle commercial work. If you’re a corporate or government decision maker in a position to do something about it, give it some thought. Please. I’m getting old and weary and I’d like to retire someday. ]]> funding open-source openssl heartbleed internet security money https://pinboard.in/ https://pinboard.in/u:jm/b:fe4269991e34/ 2014-02-27T00:10:28+00:00 http://venturebeat.com/2014/02/26/only-0-15-of-mobile-gamers-account-for-50-percent-of-all-in-game-revenue-exclusive/ jmThe group of gamers responsible for half of all in-game revenue in mobile titles is frightening because it is so narrow, according to a survey by Swrve, an established analytics and app marketing firm. About 0.15 percent of mobile gamers contribute 50 percent of all of the in-app purchases generated in free-to-play games. This means it may even more important than game companies realized in the past to find and retain the users that fall into the category of big spenders, or “whales.” The vast majority of users never spend any money, despite the clever tactics that game publishers have developed to incentivize people to spend money in their favorite games. ]]> swrve whales gaming games iap money mobile analytics https://pinboard.in/ https://pinboard.in/u:jm/b:61c6e51e5f75/ 2014-02-11T13:38:17+00:00 http://stackoverflow.com/questions/3730019/why-not-use-double-or-float-to-represent-currency jmFor example, suppose you have $1.03 and you spend 42c. How much money do you have left? System.out.println(1.03 - .42); => prints out 0.6100000000000001. ]]> coding tips floating-point float java money currency bugs https://pinboard.in/ https://pinboard.in/u:jm/b:247fc3a2b1a7/ 2013-11-19T12:20:35+00:00 http://www.cl.cam.ac.uk/~sjm217/projects/currency/ jmRecent printers, scanners and image manipulation software identify images of currency, will not process the image and display an error message linking to www.rulesforuse.org. The detection algorithm is not disclosed, however it is possible to test sample images as to whether they are identified as currency. This webpage shows an initial analysis of the algorithm's properties, based on results from the automated generation and testing of images. [...] Initially it was thought that the "Eurion constellation" was used to identify banknotes in the newly deployed software based system, since this has been confirmed to be the technique used by colour photocopiers, and was both necessary and sufficient to prevent an item being duplicated using the photocopier tested. However further investigation showed that the detection performed by software is different from the system used in colour photocopiers, and the Eurion constellation is neither necessary nor sufficent, and in fact it probably is not even a factor. ]]> eurion algorithms photoshop security currency money euro copying obscurity reversing https://pinboard.in/ https://pinboard.in/u:jm/b:9f954383a449/ 2013-11-16T21:06:59+00:00 http://www.irishtimes.com/news/crime-and-law/step-into-the-breach-1.1596368?page=3 jm“I wouldn’t be overly concerned if one of my cards was caught up in this,” Dillon says. “Even in the worst-case scenario – one in which my card was used fraudulently – my card provider will refund me everything that is taken”. This reflects a deep lack of understanding of (a) how identity fraud works, and (b) how card-fraud refunds in Ireland appear to work. (a): Direct misuse of credit card data is not always the result. Fraudsters may prefer to instead obtain separate credit through identity theft, ie. using other personal identifying data. (b): Visa debit cards have no credit limit -- your bank account can be cleared out in its entirety, and refunds can take a long time. For instance, http://www.askaboutmoney.com/showthread.php?t=174482 describes several cases, including one customer who waited 21 days for a refund. All in all it's trivialising a major risk for consumers. As I understand it, a separate statement from IPSO recommended that all customers of Loyaltybuild schemes need to monitor their bank accounts daily to keep an eye out for fraud, which is pretty absurd. Not impressive at all.]]> loyaltybuild ipso money cards credit-cards visa debit-cards payment fraud identity-theft ireland https://pinboard.in/ https://pinboard.in/u:jm/b:223c94d8c188/ 2013-04-15T13:51:01+00:00 http://namawinelake.wordpress.com/2013/04/14/just-how-bad-are-rtes-finances/ jmIt seems that RTE has become a disaster zone, with libels and incompetence overseen by incapable management, and this is reflected in that organisation’s financial results. RTE still employs nearly 2,000 people and supports jobs and industry across independent producers and suppliers; it is a major business. But the time has come to call a halt to delusional management that is sinking the organization deeper into a quagmire which will ultimately need to be bailed out by the State. And Noel Curran is fobbing us off with flying a kite about a reduction in 65-year old Pat Kenny’s salary from €630,000 to €570,000?! ]]> rte namawinelake public funding finances money mismanagement ireland incompetence tv news https://pinboard.in/ https://pinboard.in/u:jm/b:a43bd03b7548/ 2012-12-14T14:31:49+00:00 http://www.irishtimes.com/newspaper/breaking/2012/1214/breaking27.html jm hotels ppi ireland music money royalties https://pinboard.in/ https://pinboard.in/u:jm/b:8e26f042899d/ 2012-08-06T20:22:08+00:00 http://www.cnet.com.au/french-illegal-downloads-agency-hadopi-may-be-abolished-339341011.htm jmAccording to recent statistics, Hadopi has sent 1 million warning emails, 99,000 "strike two" letters and identified 314 people for referral to the courts for possible disconnection. No one has actually been disconnected. According to Aurelie Filipetti, culture minister in the new French Government, Hadopi has been nothing but a waste of money. "€12 million per year and 60 officials; that's an expensive way to send 1 million emails," Filipetti said. "Hadopi has not fulfilled its mission of developing legal downloads. I prefer to reduce the funding of things that have not been proven to be useful." 0 disconnections. Not one.]]> hadopi privacy law three-strikes france money https://pinboard.in/ https://pinboard.in/u:jm/b:cf1d30c7021f/ 2012-06-12T19:19:21+00:00 http://www.irishtimes.com/newspaper/finance/2012/0612/1224317748462.html?fb_ref=.T9baFE181x0.like&fb_source=home_multiline jm gifts money prices dublin friends irish-times https://pinboard.in/ https://pinboard.in/u:jm/b:36b818d6e4ab/ 2011-12-06T10:04:08+00:00 http://www.rte.ie/news/money/debt/how-would-my-finances-change-if-euro-collapsed.html jm ireland euro disaster rte finance money mortgages https://pinboard.in/ https://pinboard.in/u:jm/b:6be0c60a3882/ 2011-04-18T10:23:01+00:00 http://namawinelake.wordpress.com/2011/04/18/a-cheeky-offer-on-tracker-mortgages-from-permanent-tsb/ jm ptsb permanent-tsb finance money mortgages tracker-mortgage investment https://pinboard.in/u:jm/b:7ad3669c9a40/ 2011-02-09T10:47:52+00:00 http://en.wikipedia.org/wiki/Zero_stroke jm germany zero hyperinflation inflation via:jdrumgoole money brain mental-illness https://pinboard.in/u:jm/b:a7a1df6a9913/ 2011-02-02T11:19:50+00:00 http://www.wired.com/magazine/2011/01/ff_lottery/all/1 jm toronto hacks money statistics probability wired tic-tac-toe singleton https://pinboard.in/u:jm/b:8b05f377bb40/ 2010-08-17T09:53:08+00:00 http://www.ronanlyons.com/2010/08/17/100-ways-to-spend-the-anglo-e25000000000/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+RonanLyons+%28Ronan+Lyons%29 jm money omgwtfbbq insane argh funny nama anglo sean-fitzpatrick ireland https://pinboard.in/u:jm/b:7d438609e8e4/ 2010-02-12T12:27:18+00:00 http://www.lightbluetouchpaper.org/2010/02/11/chip-and-pin-is-broken/ jm security banking money chipandpin crypto ross-anderson https://pinboard.in/u:jm/b:8810ba07f85c/ 2010-02-02T13:41:58+00:00 http://www.lightbluetouchpaper.org/2010/01/26/how-online-card-security-fails/ jm verified-by-visa security phishing web banks banking money authentication finance visa 3dsecure papers https://pinboard.in/u:jm/b:793360f0b382/