Is that becasue you think spies are all like James Bond? Never have down time? never get debriefed? Never get training? Just run around, shoot things and bang hot women?
Large corporations suck at coffee. Some place in America have great coffee, like Portland, Or. It's regional, but that's becasue the US is so large. Not to imply only portland has good coffee.
If I have a name generator, and it coincidentally says the person name, and they say nothing about it, how is anyone going to know that's their real name?
2) So what? - You'll know you beverage is ready when they butcher your name 3) So what? WTF does spelling matter? As long as they say it the same way, or in a recognizable buthering 4) So what? Again? why would you care?
It's fucking coffee, not a medical record and student transcript.
worse, its a new way to avoid repo costs. we shut your car off, can't pay? I'll tell you what, we will be nice guys and just pick up the car, so you don't have repo on your credit. Thus removing their rights.
Now a lot of those places don't actual report to the credit companies, becasue they don't care and it's just another thing they have to do.
Somebody whose credit is bad does not have the financial competence" false.
In the real world, shit happens to people who are competent. In the real world it can take decades to reverse a mistake. IN the real world people aren't born knowing how finance works, in the real world people get old and die, so decades to clear up credit can mean hardship. Our current credit system is broke. I was hit with unexpected expenes, 12 years ago. During that time I was making over 100 grand a year. My saving got soaked up, and fell behind in my mortgage; which I ended up getting caught on, btw. SO they lost NO MONEY. My credit is still taking a hit. But you say "7 years' the should have to take it off. Yeah, there is no way to force them to remove it short of spending 1000s' of dolars on a lawyer.
You credit should go up as fast as it can go down. Right now, all it does if kill middle class.
BTW, The Bush administration changing bankruptcy laws , and removing consumer credit rights has a lot to do with this. Apparently giving someone a way to 'reset' there mistakes is bad and socialist.
Except that's leads to serious predatory practice' which is a currently a problem but this makes it worse.
This is what happens now. 1)Get down and lend car at a high interest rate to someone who is high risk. 2)get a few months of payments 3)Payments fall behind 4) Repossession process begins. This has a few legal protection for the consumer. 5) Rinse, repeat.
They end up making far more money this way.
With the new system, the pretty much take 4 out of the equation, along with the protections for the consumer. In fact, it's even better because then you pressure the person into giving up the car without them knowing their rights.
Because they can hold it over your head, they force you to change priority of spending at the WORSE possible time, and they prevent you form getting a job to pay.
If the vehicle was turned off after the same process that repo can occur, then I wold have a much less of an issue..
They found a group they can charge a lot to for cars people with better credit wouldn't want. So loans for car companies have gotten cheaper for them in all areas, but the cost for people buying low end cars has gone up. The cost for people with above 660 credit has gone down.
". In the old days, a jobless single mother wouldn't be able to get a car loan at any interest rate." I don't know what you mean old days. They certainly could since the 70s. I also don't know why you think they were unemployed when they got their car.
All this does it make it harder for people to get the money to get caught up; which is exactly what they want so they can sell the car again to another person barely making payment. rince, repeat. This is a know tactic
That would be great, if the credit system worked. Sadly people have no real defense against people lying about you and dinging your credit. Something that the collection industry is rife with. People just calling up and saying you didn't pay X bill, pay up. And when you say, yes I did pay X bill, here is the proof, they don't care and ding your credit.
The tech bust was very hard on my assets, in fact it wiped them out, and then we had medical issues. That was 13 years ago. I had a really nice awaking t the amount of abuse and fraud the collection industry has and how they specifically target people between 590 and 640 credit range.
Did you know that when you look into getting are finance mortgage, your credit can take up to a 13 point hit? Just for trying to get a rate, not for actually getting a lone?
That really surprised me. Why? because during the 90's I wrote software for a credit agency. My software was used to determine scores. At that time it was 1 point, soft hit, gone in 8 weeks.
The fact that yo can take any hit to your credit for shopping for a good loan is stupid and, frankly, mean.
" if all sellers' costs decrease, competition will drive the price down over time." Nope. We have seen many time where that does NOT happen, and it never happen equatable.
While technically true, it's as accurate as calculating falling rate while ignoring all other variable. Wind resistance, area of the object, etc. Fine for introduction teaching, but not fine in the actual real world.
Slashdot Mirror
Really? odd. Every Starbucks I've been to uses the name on the cup, unless they can't read it.
Is that becasue you think spies are all like James Bond? Never have down time? never get debriefed? Never get training? Just run around, shoot things and bang hot women?
It is my opinion the Starbucks over roasts their beans specifically to upsell into the sweeter dessert coffee beverages.
Large corporations suck at coffee.
Some place in America have great coffee, like Portland, Or.
It's regional, but that's becasue the US is so large.
Not to imply only portland has good coffee.
That's a pretty selfish and stupid book you got there.
They want to maintain the habit of not giving out your name, and remember who you gave it to and why they are important.
If I have a name generator, and it coincidentally says the person name, and they say nothing about it, how is anyone going to know that's their real name?
Doing better then an oppressed country does not mean we are doing well.
That's kind of a low bar.
2) So what? - You'll know you beverage is ready when they butcher your name
3) So what? WTF does spelling matter? As long as they say it the same way, or in a recognizable buthering
4) So what? Again? why would you care?
It's fucking coffee, not a medical record and student transcript.
PS: Your name is not that important.
worse, its a new way to avoid repo costs. we shut your car off, can't pay? I'll tell you what, we will be nice guys and just pick up the car, so you don't have repo on your credit. Thus removing their rights.
Now a lot of those places don't actual report to the credit companies, becasue they don't care and it's just another thing they have to do.
Somebody whose credit is bad does not have the financial competence"
false.
In the real world, shit happens to people who are competent. In the real world it can take decades to reverse a mistake. IN the real world people aren't born knowing how finance works, in the real world people get old and die, so decades to clear up credit can mean hardship. Our current credit system is broke.
I was hit with unexpected expenes, 12 years ago. During that time I was making over 100 grand a year. My saving got soaked up, and fell behind in my mortgage; which I ended up getting caught on, btw. SO they lost NO MONEY.
My credit is still taking a hit. But you say "7 years' the should have to take it off. Yeah, there is no way to force them to remove it short of spending 1000s' of dolars on a lawyer.
You credit should go up as fast as it can go down. Right now, all it does if kill middle class.
BTW, The Bush administration changing bankruptcy laws , and removing consumer credit rights has a lot to do with this.
Apparently giving someone a way to 'reset' there mistakes is bad and socialist.
Or you don't like having a remote shut off.
These car lots are only interested in getting some initial money, repossessing, and then reselling. Some cars get sold 3-4 times a year.
It's in there BEST INTEREST to set people up for failure.
That is a big market failure people don't like to talk about.
Because it's not the easy, and with a little practice people can be very manipulative.
" Chair Force"
A) Fuck you.
B) it's a Senior Airman.
The biggest positive influence is having cards and not using them.
The only reason to use them, is to get the CC company to raise your limit.
Except that's leads to serious predatory practice' which is a currently a problem but this makes it worse.
This is what happens now.
1)Get down and lend car at a high interest rate to someone who is high risk.
2)get a few months of payments
3)Payments fall behind
4) Repossession process begins. This has a few legal protection for the consumer.
5) Rinse, repeat.
They end up making far more money this way.
With the new system, the pretty much take 4 out of the equation, along with the protections for the consumer.
In fact, it's even better because then you pressure the person into giving up the car without them knowing their rights.
Because they can hold it over your head, they force you to change priority of spending at the WORSE possible time, and they prevent you form getting a job to pay.
If the vehicle was turned off after the same process that repo can occur, then I wold have a much less of an issue..
Due to pressure from the government. i.e. us.
They found a group they can charge a lot to for cars people with better credit wouldn't want.
So loans for car companies have gotten cheaper for them in all areas, but the cost for people buying low end cars has gone up.
The cost for people with above 660 credit has gone down.
". In the old days, a jobless single mother wouldn't be able to get a car loan at any interest rate."
I don't know what you mean old days. They certainly could since the 70s. I also don't know why you think they were unemployed when they got their car.
All this does it make it harder for people to get the money to get caught up; which is exactly what they want so they can sell the car again to another person barely making payment. rince, repeat. This is a know tactic
That would be great, if the credit system worked.
Sadly people have no real defense against people lying about you and dinging your credit. Something that the collection industry is rife with. People just calling up and saying you didn't pay X bill, pay up. And when you say, yes I did pay X bill, here is the proof, they don't care and ding your credit.
The tech bust was very hard on my assets, in fact it wiped them out, and then we had medical issues. That was 13 years ago.
I had a really nice awaking t the amount of abuse and fraud the collection industry has and how they specifically target people between 590 and 640 credit range.
Did you know that when you look into getting are finance mortgage, your credit can take up to a 13 point hit? Just for trying to get a rate, not for actually getting a lone?
That really surprised me. Why? because during the 90's I wrote software for a credit agency. My software was used to determine scores. At that time it was 1 point, soft hit, gone in 8 weeks.
The fact that yo can take any hit to your credit for shopping for a good loan is stupid and, frankly, mean.
In no way is he saying that.
" if all sellers' costs decrease, competition will drive the price down over time."
Nope. We have seen many time where that does NOT happen, and it never happen equatable.
While technically true, it's as accurate as calculating falling rate while ignoring all other variable. Wind resistance, area of the object, etc.
Fine for introduction teaching, but not fine in the actual real world.
When you find yourself typing this:
"Jackass Moment "
Just cancel it and move on. Seriously, you recognized you were being a jackass but march onward.
"future generations of handicapped people "
If this works, future generation of Handicapped people won't exist.
The real tragedy is that wan't have anyone's parking space to steal.
That was a joke. So calm the fuck down.
" and it's sad to say but humans have evolved more than other animals, "
it's not sad as much as it is factual incorrect.
Every species first order of business is survival of the species. We need animal testing for many things, I"m not arguing against it.