Cycling, despite all the drug problems, is kind of in a similar place right now. You can go buy a road bike right now, that weighs just over 10 pounds. But the pros are restricted to using bikes that weigh at least 15 pounds. Some pros have even been known to add lead weight to their bike in order to not run afoul of the minimum weight limit. Note: This is completely within the rules.
I think that at the amateur level, there should definitely be rules about what kind of equipment you can use. Otherwise, many people who might end up being great at the professional level will never get there, as they were discouraged by the fact that they are continually losing to those with more money.
On the other hand, the professionals, with rich sponsors, it makes little reason to try and limit specific technologies. Obviously you want to disallow anything that would make the athletes unsafe. You probably also want to keep the general idea of the sport the same. Such as no recumbent bicycles in bike races meant for upright bikes. But limiting things like the fabric on curling brooms or the shape and material of your swimsuit seems like it's pushing things a little bit too far.
Even at the professional level there will disparities between what one team can afford and another. That is why some sports instituted things such as salary caps. The point is to keep the playing field level for all. I think that makes sense at every competition level. Of course, it'll never be completely level as those with money can devote more time and money on practicing and coaching. But at least you can guarantee that everyone is using roughly the same equipment. I'm not saying you should specifically disallow technology like this. I just think that the competition is better when there is some common requirement for equipment. It allows the athlete to shine and not the gear.
Everybody knows that the Ancient Egyptians are using the Japanese people as pawns in their Illuminati style conspiracy to reintroduce hieroglyphics. First it's emojis and the next thing you know, everything will be drawn as pictures on stone tablets and papyrus.
We're using Scrum. One of the many variants of it.
A simplified version of scrum suitable for agency work.
Simply getting around a board, away from the keyboard, standing, talking (timeboxed) writing cards and moving them around makes things better and enhances team communication and interaction.
That the overblown hype and overengineering and the holy wars about how scrum is to be done is over is a very good thing.
Hype ends, Scrum remains.
I think it's a very good think that this was a big fasionable thing and that Agile (sometimes contradictory to Scrum btw.) brought back the focus on results and regular customer interaction.
I've never actually worked with a team that has done scrum properly. It's usually poorly managed and a waste of time.
After the experience my brother had taking in refugees from hurricane Katrina I would be very hesitant to house any refugee with me directly. He had three different sets roll through his place, all of them stayed for free. I think the first one stayed a few weeks, the next one a month or two, and the last close to 6 months. They all ruined his property, though to different degrees. They stole from him. They did not treat him or his property with any respect whatsoever. No, if I am going to help refugees, I'll help support the Red Cross with time and money. It's much less stressful than letting one of them live with you.
As a sailor who use GPS alongside traditional navigation: stop using devices that poll and insert a new leg on your route every 5 seconds. If you lower the polling frequency to f.e. every 1 or 2 minutes this problem goes away. I realize that this doesn't work for people who insist on taking their morning run zig-zagging through city blocks.
I've honestly never had this be a serious problem when running. I've even compared it to chip times at running events and the pace my GPS puts me at is typically within a second of the official race time. Now I've never tried this in NYC or somewhere else with serious urban canyons, i have done it in other cities with blocks of tall buildings.
Did you end up having to pay an early withdrawal penalty for that check? Or income taxes? I mean, that's still probably a win, but it seems that there would be complications.
That was almost a decade ago and the IRS never asked for anything. I never got a tax bill, or a form from the company indicating that i had withdrawn from a retirement account. I just took the money and ran, so to speak.
I'm a frequent flier, and the extended search happens regardless of watchlists. I get it randomly about every 30 flights - 2-3 times a year. It's a bit annoying as it takes me out of the priority line, but the extra search is not really that extensive - a palm check for chemicals and a few extra questions.
Granted, frequent fliers know how to expedite these things: look bored, tired, and very slightly annoyed. Have everything exactly in order. Fly carry-on. Have your FF badge visible and be part of TSA-pre or whatever you can find.
I don't know if I fly as frequently as you, but it may have something to do with your name, heritage, or something else. I'm a tall white guy - I look German. I've accrued approximately to 750,000 miles since September 11th, 2001 and I have only had extra screening once. That was after they found some homemade electronics in my carry on luggage that had a pair of AA batteries hooked up to it. The extra security in that case was them running it through the x-ray machine at different angles for a half an hour (it was in a metal tin). Then they asked me what it was for, said it was cool, and asked if they could take some pictures of it to share with DHS HQ as an example of benign homemade electronics. Apparently the TSA agents are supposed to get training in such things. I have never opted for TSA Pre-check and never advertise that I am a frequent flyer.
They're just waiting for the interest to build up -
You should probably get something in writing from them saying that you don't owe anything.
As long as the GP has filed their taxes and keeps a copy of the filing records, the IRS only has 3 years to claim back taxes. You should keep your tax records for a minimum of 8 years as they can go back much further if they claim you never filed. I would recommend keeping your tax records indefinitely.
...my company's accountant told me that someone in Los Angeles had used my SSN and the IRS was trying to garnish my wages. She told them that I was certainly not Mr. Aguilar and that I was not responsible for Mr. Aguilar's debt to the IRS. Seems like a simple thing but she was not supposed to tell me about the incident. Because if the proles ever found out how often this happens, they'd lose faith in the integrity of The System. I, as the taxpayer and rightful SSN holder was never contacted by the IRS to either collect money or warn me that there was someone out there using my SSN, possibly ruining my credit.
I Had someone using my social security number for work once upon a time. Their company had a mandated retirement program. The IRS never complained about my taxes, even when I e-filed. One year I got a check in the mail for ~$5000 from a company I had never heard of, nor worked for. It was nowhere near me. My social security number and name were on the check. I called them up and asked them if there was some sort of mistake. Got transferred around and ended up talking to someone from HR and accounting in a conference call. They said they weren't allowed to give me any info about who had been using my info but said since it was clearly my name and social security number, I was welcome to cash the check and the money was all mine. Sometimes identity theft can work in your favor!
It's more likely that the algorithm used to generate SSNs, given the same input data, generates the same output.
The "algorithm" is "pull the next number off the list". My sister and I were born in different states, two years apart... and we have different first names. My parents requested SSNs for both of us at the same time, and they were given two consecutive numbers.
By consecutive I assume that you mean that you have something like 11 and she has 13 or whatever. The SSA has never given out consecutive numbers. They give out odds and then evens and this has always been the case. See Wikipedia. We have a string of consecutive even numbers in my family - four in a row, in fact.
From TFA: "And CDPH says the blood spots are de-identified and can’t be tracked back to the child." I don't see the issue here. This helps with medical research.
Also from TFA:
But Yaniv Erlich with Columbia University and the New York Genome Center said there’s no way to guarantee that. His research demonstrated how easy it is to take anonymized DNA, cross-reference it with online data and connect it to a name. “You need to have some training in genetics, but once you have that kind of training the attack is not very complicated to conduct,” he said.
If the DNA information is just collected and stored anonymously, with no record of WHOSE DNA it is, I don't think it's a problem. It's useful for compiling statistics and doing studies. However, if law enforcement is interested in this data, it sounds like they are actually keeping track of who the DNA sample came from. Just make it anonymous.
According to an expert who was interviewed for the article (forgive me for RTFA), it is not difficult to deanonymize this sort of DNA data. Supposedly a layman could do it with proper training and that it is trivial for a DNA expert.
I make them hand me the box, still shrink wrapped.
Plenty of commercial places have the simple equipment and supplies needed to re-shrink wrap inventory. I'd never trust a 'wrapped box as factory-fresh.
Yes but you can tell if it has been factory reset when you turn the iPhone on.
At what point was the technician handling his phone, and what was he doing with it?
Because if I go in for you to add me to your network, and you start installing shit on my phone... I'm going become unreasonable quite fast.
I just can't quite figure out from the article how the technician came to be installing this in the first place; it was obviously in the middle of something else.
Surely he didn't walk into a Sprint store and hand the technician his phone, did he?
Every time I've bought a device from the network provider, I make them hand me the box, still shrink wrapped. I can insert the SIM, if it doesn't come with one, tyvm. They never hesitate to just give me the box. Sometimes they need to scan barcodes off the back, but that's about the extent of it. Of course, certain devices come with vendor spyware already installed at the factory.
Seriously. I've done multiple marathons, the Disney Goofy Challenge, a number of triathlons including two Ironman races, etc... You don't need all this fancy stuff. Just make sure you keep a phone with you (or your wife in this case) in case you have an emergency, bring ample water and snacks if you're out for long training runs, and enjoy the time. Get away from computers, TVs, phones, etc. Enjoy being outside. If you and your wife are running together, then enjoy the time together, working to a common goal, away from all of the hustle of normal life where everything is connected.
Running without all the crap is the best, most enjoyable, time for me. I love it. I used to run with music, GPS tracking, etc. Now, just a phone in case of emergency and sometimes not even that. Give it a try. You'll love it. And your wife will too.
That's very subjective. I despise running. I love to play sports and can handle running around chasing a ball all day. But even a mile of running is torture for me. Due to a permanent sports injury, I am pretty much unable to engage in any other convenient form of exercise besides running. I could join a gym with a swimming pool (for some reason I can swim laps all day - it's like meditation to me), but there are none near me, my office, or commute. So I run. I don't listen to music, though. I end up calculating my running time based on the length of each song and then I torture myself. Instead, I listen to audiobooks. I listen to books I've already read but really enjoy. I keep the volume down low enough that I can hear traffic even when I run on streets with a 10mph speed limit. For some reason the book makes me forget that I am running. I look around, enjoy the beautiful houses, beach views, etc. Things I would never do if I were focused on the fact that I dislike running. You may find the technology distracting from the world around you. I find that it settles my thoughts down to where I can enjoy the world around me. Maybe the poster's wife is exactly the same way.
As to the poster: I can tell you that you probably do not want an Apple Watch. It will do all of the things you want, plus heart rate, but the battery life on even a 4-5 mile run is not great. I've never had it die mid run, but a 4 mile run will use ~50% of the battery. Now there may be a way to disable the heart rate monitor during workouts, I don't know. If that's possible then you could probably get through a half marathon while streaming music. I don't know if it will map your run (Nike+ or Strava style). I've never bothered to investigate as I run with my phone in my pocket anyway.
Actually, having everyone with maxed credit lines is pretty much the optimal situation. Its hard to come up with as good of an investment as an 18% APR.
Except that you would then have a lot of money tied up in unsecured loans. You have to have a proper balance of all types of account holders - those who charge a lot but pay it off, those who carry a small balance, and those who are raking in the interest. They make money off of all three types of card holders but the first two groups offset the risk of the third.
You basically can't, now. Barney Frank and his cohorts, as a parting gift, implemented a law that discriminates against 18-21 year olds and makes them essentially unable to obtain credit cards. They did this for your own good, you know.
I had no idea this was the case, being out of this age range myself. That is unfortunate, it will make it much harder for them to build credit. I had about $30,000 worth of credit on two cards with only part time employment when I was in school. It was insane, but I never carried a balance.
Death is a pretty good way to get paid, actually. Estates have to pay off creditors before they can make disbursements to heirs.
They do, yes. But that's assuming the estate has money when the borrower dies. And a credit card is unsecured debt which puts the bank at a much higher risk than say a mortgage or other type of debt.
The credit card companies cannot afford for everyone to retain a balance on their cards. They still get money for every dollar you spend. There was some other reason for this and perhaps it was your age / retirement status. They obviously cannot use that as an excuse to decline you, so they use one that cannot be considered discrimination.
You should have gotten a credit card while you were in college. For some reason, banks are unusually generous with college students. You can get access to credit you could not otherwise get. Once you're done with school they evaluate you just the same as any other working class person.
I can't speak to your friend's exact situation because each child is different. I know someone who has a daughter that was very similar to your friend for a long time. She got some special help (county provided assistance - special therapy that I am not familiar with) and eventually started talking and behaving more like you would expect a child to behave. She still acts inappropriately at times and, despite being her neighbor for many years, does not know my name. She just calls me a generic name. She will probably never be able to care for herself, but she can at least communicate her needs.
The old way: A notebook (the paper kind) with a pencil (this wooden thing with graphite in the center).
THe notebook would record that Roll #3 was Tri-x exposed as rated (400 ASA), that frame 1 was a grey card at f5.6 with a shutter speed of 1/400, and then on and on for each successive frame.. if you gave a rip about how a particular frame was shot.
I'll take exif any day, I just make sure the camera (or device) I'm using doesn't geotag.
I like geotagging in certain circumstances. I enable it for hiking, vacations, and other times I am taking a picture of a landscape, building, or other public place. There are appropriate times to geotag. Hell, I might even use it to photograph a friend running a half marathon or something. It's all about context.
Walmart is open 364 days per year, 365 on leap years. It's closed on Christmas.
Nah. There is at least one Walmart in my town that is open every single day of the year, even Christmas. They don't close for Thanksgiving, though they do section off part of the store to prep for black friday
In those cases, where your plans are based on the sun, you ought to be basing your schedule on the sun.
Most people enjoy seeing sunlight. In fact, the human body is designed to synthesize some of the vitamins it needs from sunlight. People tend to have more energy and feel more awake during daylight hours. So you can bet that most normal people want their schedule based around the sun. Since sunlight is a local phenomenon, the times that people schedule things are obviously going to be based on some local definition.
You can easily start work an hour after sunrise. If the sun matters to you, you'll skip the days when it's raining, or you'll wait for the rain to pass.
"we leave at first-light" means when you can see, not when the sun is blocked by clouds.
Say what you actually mean.
But the primary function of time today, is not to synchronize activity with the sun. Today, it's to synchronize human activity with other human activity, often across great distances.
Says you. But again, most people want time to be based on useful hours of sunlight. And outside of playing video games on the internet, writing software and scheduling multinational meetings how often do you do things based on a universally coordinated time (let's just call it UTC for short)? I would bet most of your activities revolve around local people and local events. Which is why your locale has a coordinated time based on a specific timezone. When you're doing computer programming, or playing games on the internet what is to stop you from using UTC? You could set all of your watches to UTC. Why don't you? No one is going to stop you.
For example, I'll call you at noon. Wouldn't it be nice if we had the same noon? I'll see you in six hours -- on the clock or on the stopwatch? Wouldn't it be nice if 8 were 6 hours after 2 -- always?
8 is always 6 hours after two. Always. In the case of the upcoming daylight savings event, there will be two one AMs but only one two am.
I just watched a few series of baseball playoffs. The number of broadcast networks who said "the game starts at 7" for a game being played by two teams local to different time-zones! So half the fans are early or half the fans are late?!
Hey, one network even said "...at 7 ET". There is no such thing as ET. There's EDT, and there's EST. You figure out which one they meant.
Again you're showing a lack of understanding of time. There is an Eastern Time Zone. And when you say that something is at 7 eastern time then you are saying exactly that. It does not matter whether or not there is daylight savings. There is exactly one hour per year where daylight savings matters and that is the one mentioned above - the two instances of 1AM that occur every fall.
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Cycling, despite all the drug problems, is kind of in a similar place right now. You can go buy a road bike right now, that weighs just over 10 pounds. But the pros are restricted to using bikes that weigh at least 15 pounds. Some pros have even been known to add lead weight to their bike in order to not run afoul of the minimum weight limit. Note: This is completely within the rules.
I think that at the amateur level, there should definitely be rules about what kind of equipment you can use. Otherwise, many people who might end up being great at the professional level will never get there, as they were discouraged by the fact that they are continually losing to those with more money.
On the other hand, the professionals, with rich sponsors, it makes little reason to try and limit specific technologies. Obviously you want to disallow anything that would make the athletes unsafe. You probably also want to keep the general idea of the sport the same. Such as no recumbent bicycles in bike races meant for upright bikes. But limiting things like the fabric on curling brooms or the shape and material of your swimsuit seems like it's pushing things a little bit too far.
Even at the professional level there will disparities between what one team can afford and another. That is why some sports instituted things such as salary caps. The point is to keep the playing field level for all. I think that makes sense at every competition level. Of course, it'll never be completely level as those with money can devote more time and money on practicing and coaching. But at least you can guarantee that everyone is using roughly the same equipment. I'm not saying you should specifically disallow technology like this. I just think that the competition is better when there is some common requirement for equipment. It allows the athlete to shine and not the gear.
Everyone is irrational about something. There's no reason to bring religion into a holy war about GMO.
Everybody knows that the Ancient Egyptians are using the Japanese people as pawns in their Illuminati style conspiracy to reintroduce hieroglyphics. First it's emojis and the next thing you know, everything will be drawn as pictures on stone tablets and papyrus.
We're using Scrum. One of the many variants of it. A simplified version of scrum suitable for agency work. Simply getting around a board, away from the keyboard, standing, talking (timeboxed) writing cards and moving them around makes things better and enhances team communication and interaction.
That the overblown hype and overengineering and the holy wars about how scrum is to be done is over is a very good thing. Hype ends, Scrum remains. I think it's a very good think that this was a big fasionable thing and that Agile (sometimes contradictory to Scrum btw.) brought back the focus on results and regular customer interaction.
I've never actually worked with a team that has done scrum properly. It's usually poorly managed and a waste of time.
After the experience my brother had taking in refugees from hurricane Katrina I would be very hesitant to house any refugee with me directly. He had three different sets roll through his place, all of them stayed for free. I think the first one stayed a few weeks, the next one a month or two, and the last close to 6 months. They all ruined his property, though to different degrees. They stole from him. They did not treat him or his property with any respect whatsoever. No, if I am going to help refugees, I'll help support the Red Cross with time and money. It's much less stressful than letting one of them live with you.
As a sailor who use GPS alongside traditional navigation: stop using devices that poll and insert a new leg on your route every 5 seconds. If you lower the polling frequency to f.e. every 1 or 2 minutes this problem goes away. I realize that this doesn't work for people who insist on taking their morning run zig-zagging through city blocks.
I've honestly never had this be a serious problem when running. I've even compared it to chip times at running events and the pace my GPS puts me at is typically within a second of the official race time. Now I've never tried this in NYC or somewhere else with serious urban canyons, i have done it in other cities with blocks of tall buildings.
Did you end up having to pay an early withdrawal penalty for that check? Or income taxes? I mean, that's still probably a win, but it seems that there would be complications.
That was almost a decade ago and the IRS never asked for anything. I never got a tax bill, or a form from the company indicating that i had withdrawn from a retirement account. I just took the money and ran, so to speak.
I'm a frequent flier, and the extended search happens regardless of watchlists. I get it randomly about every 30 flights - 2-3 times a year. It's a bit annoying as it takes me out of the priority line, but the extra search is not really that extensive - a palm check for chemicals and a few extra questions.
Granted, frequent fliers know how to expedite these things: look bored, tired, and very slightly annoyed. Have everything exactly in order. Fly carry-on. Have your FF badge visible and be part of TSA-pre or whatever you can find.
I don't know if I fly as frequently as you, but it may have something to do with your name, heritage, or something else. I'm a tall white guy - I look German. I've accrued approximately to 750,000 miles since September 11th, 2001 and I have only had extra screening once. That was after they found some homemade electronics in my carry on luggage that had a pair of AA batteries hooked up to it. The extra security in that case was them running it through the x-ray machine at different angles for a half an hour (it was in a metal tin). Then they asked me what it was for, said it was cool, and asked if they could take some pictures of it to share with DHS HQ as an example of benign homemade electronics. Apparently the TSA agents are supposed to get training in such things. I have never opted for TSA Pre-check and never advertise that I am a frequent flyer.
They're just waiting for the interest to build up -
You should probably get something in writing from them saying that you don't owe anything.
As long as the GP has filed their taxes and keeps a copy of the filing records, the IRS only has 3 years to claim back taxes. You should keep your tax records for a minimum of 8 years as they can go back much further if they claim you never filed. I would recommend keeping your tax records indefinitely.
...my company's accountant told me that someone in Los Angeles had used my SSN and the IRS was trying to garnish my wages. She told them that I was certainly not Mr. Aguilar and that I was not responsible for Mr. Aguilar's debt to the IRS. Seems like a simple thing but she was not supposed to tell me about the incident. Because if the proles ever found out how often this happens, they'd lose faith in the integrity of The System. I, as the taxpayer and rightful SSN holder was never contacted by the IRS to either collect money or warn me that there was someone out there using my SSN, possibly ruining my credit.
I Had someone using my social security number for work once upon a time. Their company had a mandated retirement program. The IRS never complained about my taxes, even when I e-filed. One year I got a check in the mail for ~$5000 from a company I had never heard of, nor worked for. It was nowhere near me. My social security number and name were on the check. I called them up and asked them if there was some sort of mistake. Got transferred around and ended up talking to someone from HR and accounting in a conference call. They said they weren't allowed to give me any info about who had been using my info but said since it was clearly my name and social security number, I was welcome to cash the check and the money was all mine. Sometimes identity theft can work in your favor!
It's more likely that the algorithm used to generate SSNs, given the same input data, generates the same output.
The "algorithm" is "pull the next number off the list". My sister and I were born in different states, two years apart ... and we have different first names. My parents requested SSNs for both of us at the same time, and they were given two consecutive numbers.
By consecutive I assume that you mean that you have something like 11 and she has 13 or whatever. The SSA has never given out consecutive numbers. They give out odds and then evens and this has always been the case. See Wikipedia. We have a string of consecutive even numbers in my family - four in a row, in fact.
From TFA: "And CDPH says the blood spots are de-identified and can’t be tracked back to the child." I don't see the issue here. This helps with medical research.
Also from TFA:
If the DNA information is just collected and stored anonymously, with no record of WHOSE DNA it is, I don't think it's a problem. It's useful for compiling statistics and doing studies. However, if law enforcement is interested in this data, it sounds like they are actually keeping track of who the DNA sample came from. Just make it anonymous.
According to an expert who was interviewed for the article (forgive me for RTFA), it is not difficult to deanonymize this sort of DNA data. Supposedly a layman could do it with proper training and that it is trivial for a DNA expert.
I make them hand me the box, still shrink wrapped.
Plenty of commercial places have the simple equipment and supplies needed to re-shrink wrap inventory. I'd never trust a 'wrapped box as factory-fresh.
Yes but you can tell if it has been factory reset when you turn the iPhone on.
At what point was the technician handling his phone, and what was he doing with it?
Because if I go in for you to add me to your network, and you start installing shit on my phone ... I'm going become unreasonable quite fast.
I just can't quite figure out from the article how the technician came to be installing this in the first place; it was obviously in the middle of something else.
Surely he didn't walk into a Sprint store and hand the technician his phone, did he?
Every time I've bought a device from the network provider, I make them hand me the box, still shrink wrapped. I can insert the SIM, if it doesn't come with one, tyvm. They never hesitate to just give me the box. Sometimes they need to scan barcodes off the back, but that's about the extent of it. Of course, certain devices come with vendor spyware already installed at the factory.
Perhaps...you could just go out and run?
Seriously. I've done multiple marathons, the Disney Goofy Challenge, a number of triathlons including two Ironman races, etc... You don't need all this fancy stuff. Just make sure you keep a phone with you (or your wife in this case) in case you have an emergency, bring ample water and snacks if you're out for long training runs, and enjoy the time. Get away from computers, TVs, phones, etc. Enjoy being outside. If you and your wife are running together, then enjoy the time together, working to a common goal, away from all of the hustle of normal life where everything is connected.
Running without all the crap is the best, most enjoyable, time for me. I love it. I used to run with music, GPS tracking, etc. Now, just a phone in case of emergency and sometimes not even that. Give it a try. You'll love it. And your wife will too.
That's very subjective. I despise running. I love to play sports and can handle running around chasing a ball all day. But even a mile of running is torture for me. Due to a permanent sports injury, I am pretty much unable to engage in any other convenient form of exercise besides running. I could join a gym with a swimming pool (for some reason I can swim laps all day - it's like meditation to me), but there are none near me, my office, or commute. So I run. I don't listen to music, though. I end up calculating my running time based on the length of each song and then I torture myself. Instead, I listen to audiobooks. I listen to books I've already read but really enjoy. I keep the volume down low enough that I can hear traffic even when I run on streets with a 10mph speed limit. For some reason the book makes me forget that I am running. I look around, enjoy the beautiful houses, beach views, etc. Things I would never do if I were focused on the fact that I dislike running. You may find the technology distracting from the world around you. I find that it settles my thoughts down to where I can enjoy the world around me. Maybe the poster's wife is exactly the same way.
As to the poster: I can tell you that you probably do not want an Apple Watch. It will do all of the things you want, plus heart rate, but the battery life on even a 4-5 mile run is not great. I've never had it die mid run, but a 4 mile run will use ~50% of the battery. Now there may be a way to disable the heart rate monitor during workouts, I don't know. If that's possible then you could probably get through a half marathon while streaming music. I don't know if it will map your run (Nike+ or Strava style). I've never bothered to investigate as I run with my phone in my pocket anyway.
Actually, having everyone with maxed credit lines is pretty much the optimal situation. Its hard to come up with as good of an investment as an 18% APR.
Except that you would then have a lot of money tied up in unsecured loans. You have to have a proper balance of all types of account holders - those who charge a lot but pay it off, those who carry a small balance, and those who are raking in the interest. They make money off of all three types of card holders but the first two groups offset the risk of the third.
You basically can't, now. Barney Frank and his cohorts, as a parting gift, implemented a law that discriminates against 18-21 year olds and makes them essentially unable to obtain credit cards. They did this for your own good, you know.
I had no idea this was the case, being out of this age range myself. That is unfortunate, it will make it much harder for them to build credit. I had about $30,000 worth of credit on two cards with only part time employment when I was in school. It was insane, but I never carried a balance.
Death is a pretty good way to get paid, actually. Estates have to pay off creditors before they can make disbursements to heirs.
They do, yes. But that's assuming the estate has money when the borrower dies. And a credit card is unsecured debt which puts the bank at a much higher risk than say a mortgage or other type of debt.
The credit card companies cannot afford for everyone to retain a balance on their cards. They still get money for every dollar you spend. There was some other reason for this and perhaps it was your age / retirement status. They obviously cannot use that as an excuse to decline you, so they use one that cannot be considered discrimination.
You should have gotten a credit card while you were in college. For some reason, banks are unusually generous with college students. You can get access to credit you could not otherwise get. Once you're done with school they evaluate you just the same as any other working class person.
I can't speak to your friend's exact situation because each child is different. I know someone who has a daughter that was very similar to your friend for a long time. She got some special help (county provided assistance - special therapy that I am not familiar with) and eventually started talking and behaving more like you would expect a child to behave. She still acts inappropriately at times and, despite being her neighbor for many years, does not know my name. She just calls me a generic name. She will probably never be able to care for herself, but she can at least communicate her needs.
The old way: A notebook (the paper kind) with a pencil (this wooden thing with graphite in the center).
THe notebook would record that Roll #3 was Tri-x exposed as rated (400 ASA), that frame 1 was a grey card at f5.6 with a shutter speed of 1/400, and then on and on for each successive frame.. if you gave a rip about how a particular frame was shot.
I'll take exif any day, I just make sure the camera (or device) I'm using doesn't geotag.
I like geotagging in certain circumstances. I enable it for hiking, vacations, and other times I am taking a picture of a landscape, building, or other public place. There are appropriate times to geotag. Hell, I might even use it to photograph a friend running a half marathon or something. It's all about context.
Walmart is open 364 days per year, 365 on leap years. It's closed on Christmas.
Nah. There is at least one Walmart in my town that is open every single day of the year, even Christmas. They don't close for Thanksgiving, though they do section off part of the store to prep for black friday
In those cases, where your plans are based on the sun, you ought to be basing your schedule on the sun.
Most people enjoy seeing sunlight. In fact, the human body is designed to synthesize some of the vitamins it needs from sunlight. People tend to have more energy and feel more awake during daylight hours. So you can bet that most normal people want their schedule based around the sun. Since sunlight is a local phenomenon, the times that people schedule things are obviously going to be based on some local definition.
You can easily start work an hour after sunrise. If the sun matters to you, you'll skip the days when it's raining, or you'll wait for the rain to pass.
"we leave at first-light" means when you can see, not when the sun is blocked by clouds.
Say what you actually mean.
But the primary function of time today, is not to synchronize activity with the sun. Today, it's to synchronize human activity with other human activity, often across great distances.
Says you. But again, most people want time to be based on useful hours of sunlight. And outside of playing video games on the internet, writing software and scheduling multinational meetings how often do you do things based on a universally coordinated time (let's just call it UTC for short)? I would bet most of your activities revolve around local people and local events. Which is why your locale has a coordinated time based on a specific timezone. When you're doing computer programming, or playing games on the internet what is to stop you from using UTC? You could set all of your watches to UTC. Why don't you? No one is going to stop you.
For example, I'll call you at noon. Wouldn't it be nice if we had the same noon? I'll see you in six hours -- on the clock or on the stopwatch? Wouldn't it be nice if 8 were 6 hours after 2 -- always?
8 is always 6 hours after two. Always. In the case of the upcoming daylight savings event, there will be two one AMs but only one two am.
I just watched a few series of baseball playoffs. The number of broadcast networks who said "the game starts at 7" for a game being played by two teams local to different time-zones! So half the fans are early or half the fans are late?!
Hey, one network even said "...at 7 ET". There is no such thing as ET. There's EDT, and there's EST. You figure out which one they meant.
Again you're showing a lack of understanding of time. There is an Eastern Time Zone. And when you say that something is at 7 eastern time then you are saying exactly that. It does not matter whether or not there is daylight savings. There is exactly one hour per year where daylight savings matters and that is the one mentioned above - the two instances of 1AM that occur every fall.