Until Steam works as well as Unreal Engine/Doom3 engine games do on Mac/Linux (i.e. natively), it's irrelevant for most slashdotters.
according to the sites stats most of us are on win32 machines at least when we log onto slashdot. So it's relavant for most fo use, at elast for the time we can access slashdot.
...um, in the same way as the legality of bank robbery is questionable. Even if (*big* if) it is legal in Russia for AllOfMP3.com and its ilk to put the material online, that doesn't make it legal for people outside Russia to download that material.
except in canada. In canada you can download for sure but uploadign is illegal.
solution: use the sat for downloading updates and dial up to game. dial is not that bad at latency and a lot of games have optimized to send as small a packets as possible but often. So dial works for that. The wirelss GPRS solutions dont' work well because often no DSL = horrible cell coverage. So while you can get 144 kbit/s under the tower on a clear day you get closer to 4kbit/s at the remote locations where dsl/cable isn't available.
The only choice for Master Chief is Dwayne "The Rock" Johnson. Anyone else cool enough is too old for the role.
(Sorry, Samuel L. Jackson.)
If MC never appears without his helmet then you can just have any suitably tall stunt guy or even yao ming be MC and have Keith David (deep deep voice) do the voice. Suitable authoratative and partially bad ass.
Sorry, Is it just me or is the "scientific method" these guys employ full of it.
I watched all of three shows, and each of them had incredible experimental flaws in them. If it wasn;t so long ago, I'd recount exactly the flaws I saw, but I forget.
Is it entertaining, perhaps, are they busting myths, no way.
They work under a logical fallacy of "if we can't do it, then group X couldn't possibly have done it. And they often confuse scientific concepts like "heat" vs "temparature" when trying to make a steam cannon. It was entertaining but bothered me that two geeks could get that so wrong.
actually the General American accent (closely resembles the midwestern local accent) is how the English spoke the the first English-speaking settelers came to North America. The New England and New York accents developed when their residents immitated, or partially immitated, some of the the changes thet British English was going through (since these communities still had close ties with the English). English speakers that moved west no longer had contact with the English and their language remained relatively preserved. So someone in England in the 17th century had an accent fairly close to Tom Brokaw.
I was told by a linguist one time that the Canadian english accent is the most "Accent neutral". I don't know if that means canadian english is even closer?
It should be easy to beat in a given time on easy, more difficult to beat on medium, and impossible to beat in hard.
There's no game which isn't beatable in X hours though; given long enough anyone can beat any game.. Except Ikaruga.
Many individuals dont' have the mental or physical skills to win certain games. For instance a friend of mine has never finished warcraft 3 without cheats, he simply lacks the ability to multi task to the degree nessacary for some of the harder levels. Even on easy he can't do it. For me no game in unwinable. Given enought ime I beat every game I play. Except the never ending ones.
There are 5 billion people educated by their governments out there in our world, and they just hate what their government hate and love what their government love. Including 1 billion Chinese speaking Chinese.
Ever been to china? I don't think you have. The emergent middle class is highly aware their being lied to about a whole lot. Their just nto 100% sure which is a lie. Things about Mao are common knowledge. He's not remembered fondly by any accept brown nosing party faithfull. You might want to do some research before you spread around gross generalizations.
I think you are looking at this argument from the wrong side. The employer wants to check your credit rating because they believe that it will help identify if you are a good or bad employee. That may, or may not be true. But if the employer believes it, they will do it.
And the credit agencies are corporations out to make more money, and like you said, they make money every time someone pulls a credit report.
But your comment that "you shall either consume or be a second class citizen" is specious at best. I was out of work, but I had enough foresight to keep money in an emergency fund, and that coupled with other investments tieded me over. I can consume, sure, but I am responsible with my income, thus I become more weathy for it. And, my credit rating does not suffer, and I don't "slip" through the net.
If you want a really good look into the REAL difference between the Rich and Poor, or more accurately, the wealthy and affuent sectionn of society, pick up "The Millionaire Next Door." What you read in that book will likely surprise you.
I agree. I think a lot of bad credit stems from people living beyond their means. TV has really solds us on every girls needs prada or LV and every one must lived in (INCOME x 10)$ house, and eating out everyday ect. Too many people in all income brackets live hand to mouth and when any unexpected financial situation developes they are sunk.
1. correlation does not causation make. 2. There may be a correlaton in this direction criminal -> bad credit, but that hardly means there is one in the other direction dab credit -> criminal
100% true, hoever your only looking for correlation. If doing a credit check makes it 10% less likely your hiring a criminal then it's worth it. I never said bad credit = criminal all I said was criminal = bad credit. There is casaution there, criminals don't generally beleive int he system thus they don't play by it's rules and get bad credit.
Once reckless always reckless? One or two bad decissions, and they should never again be employable?
No, if a employer used only credit info he'd have a very short list of employees and it isn't feasible. However if it's between two individuals with equal credentials who left the same impression after the interview it'd be reasonable to use the credit rating as the deciding factor.
(so far, I think it's fairly reasonable, but then we get)
- Checkup
- Drug test
- Criminal record check
- Ability to ask nearly anything (except pertected class information) on application,
and not hire you for not filling it out.
Personally, it's none of their damn buissness. If law didn't stop them, they'd go after medical records and ask about our relationship status.... Because a married man/woman with kids will be a more stable employee, and because someone who is sick all time isn't a very good investment and will cost in insurance premiums. Heck, they'd ask for DNA, to make sure we're not predisposed to alcholism (regardless of weather we drink or not) or heart desise (because of insurance and so they know that we'll be thier mule for longer if we don't keel over of a heart attack). They past laws against these things because companies wanted this information.
Your sorta naive if you think those dont' sorta factor in now. Not for getting the job but definately for promotions. The DNA check no, btu a employee who is often sick will eventually get the pink slip for some other reason. A person who comes in hung over day after day will face similiar problems. It'd be great if everyone got second third forth chances ect.. but sometimes if you screw yoru life up badly enough it'll be very hard to recover. I have a friend whose an Ex Con. a good 40% of any hiring company won't take him. Is that wrong? perhaps btu he did screw up. And he did live large and spend big for 10 years, he's just payign for it now.
Drug test is reasonabel for some position. Especially wiht heavy equipment. Criminal records check is resonable when dealing with cash or personal info. Medical checkup would be for physically demandign jobs, and IQ/Psychological tests are routinely administered. The line is crossed when the check up had nothign to do with the job. IE. a medical test to be a operator at the phone company or a IQ test to be a consturction worker. Their only vaguely related so it's more then what the employer needs to consider.
Yes, the company the driver was working for, it was a company's van and the driver worked for the company, had insurance and they finally decided to settle almost a year after the accident. Even after they so decided it still took about three months for the settlement was approved, we had to go before a judge to have him approve of it. However after the medical bills and the lawyers were paid there wasn't much left and most of what was left was put into a trust. Before any money can come from the trust a majority of trustees have to approve. Falcon
Does seem like a huge hassle. If I may make a random suggestion: Move up here to canada. Most of that stuff won't happen as poorly as it happened to you. First the medical bills would be covered with only extra like "private room" or so being up to you to pay. Drugs are cheaper and the gov will cover rehab. You would have still gotten money from the insurance company. In my province it would have been capped at 20,000 but with no bills to pay and workers comp kicking in 60% of your wages till you got better you'd be alright till it arrives. Also juristictions don't vary so this driver couldn only flee to the US to escape arrest. You'd pay about 15% more tax but everythign is about 6% cheaper anyways even accoutning for the currency difference and the qualifty of life is higher (standard of living is almost the same). The extra 9% of real money difference is made up for by not havign to pay insurance for medicine and having a generally healthier life because medical visits are more frequent since it's free./patriotic self promotion
Actually, you'd probably have rather poor credit. You have to take on debt to generate a good credit rating. Also, you could very easily be vaulted into a very negative credit rating. If your phone company started misplacing some of its mail, you would get dinged for that, regardless of who's fault it was. Unless you happen to send all your bills in by registered mail, and you're willing to sue for libel, you have no defense.
My credit is perfect. I've checked. I have my bills on inet billing and around the 25th or so I pay all of them at once. I use my credit cards a lot but never more then for lunch or dinner. I also happen to work for my telephone company and we're lazy. Unless it's 2 mo of arrears we don't do anything. After 2 we send a letter, after 4 we close the account. After 6 mo we send it to collectors and then it is reported to the credit agencies. So 6 mo is a long time to forget about ti considering by then the phone has been turned off.
Nationalized healthcare is the real bullshit. If you're afraid of the risk, hedge against it with your money, not mine.
The majority of the developed world has it so I doubt it's as much bullshit as those who support private health care. Some industries should not be privatized because of their importance to an individuals life. No one should ever get bankrupt due to illness and Most Plans are exorbanant to get good coverage.
Bad credit can also indicate bad luck. Maybe you suddenly need to have expensive surgery or medical treatments, or what if your house and everything you have is destroyed in a flood or fire? Bad credit can also indicate that your parents were less helpful than they should be in getting you independent. My best friend was kicked out of her parents house when she turned 18. She didn't have a job or an apartment, and she had to get credit cards buy food and stuff (she applied for food stamps, but it took her 6 months to to get her "emergency" food stamps). My mother got a credit card in my name, ran it up and never paid it off. Bad credit can also indicate mistakes in credit reporting. My husband's credit report used to have a lein on a house he supposedly owned when he was 14. Despite the fact that we could prove this was impossible, it still took us almost a year to get it off all of his reports. I can't imagine how difficult it would be to get a mistake off your report that theoretically could have been legit.
The first one would never happen to me because I live in canada. The others are pretty bad family situations. Not your fault for sure but they do affect your work life in a semi-significant way.
Many criminals are just people who don't believe there is such a thing as trust and opportunity. You're breeding them. Labour is something you invest in, not cultivate
Mosy criminals have a hard time linking their actions with consequences or are people with vices that need feeding. Some just grow fond of the easy money. Even when I am jaded and angry I still don't consider robbing a convenience store or exstoring a businessman. I agree that employees need to be invested in but I think a rigourous screening process and decent hiring choices helps everyone. I hate it when I have to pick up the slack because soem retard new hire doesn't do his job.
You sound like a professional student (with rich parents) who has never had to do an honest days' work in your life. You give no consideration about people trying to support families who suddenly face overwhelming medical bills due to a sudden illness. When you have weeks where you have to make a choice between making a payment on a credit card (that you had a balance on BEFORE the illness hit) or paying the electric bill (after receiving the shut-off notice and the electric utility won't negotiate a deferred payment), I would like to see you be in that situation and then let someone judge YOU as a 'deadbeat' or 'reckless'. You might have a different view on things...
My parents made $10cnd/h and $9cnd/h respectively when they left the work force in 2000. Minimium wage in my city was $6.5 at the time. Hardly "rich parents". I come froma immigrant family. We just lived very very cheaply. As for honest work, I've worked for a theatre chain selling popcorn and cleaning up for 5/h, worked as a warehouse picker for a grocery chain for a year for $16cnd/h (If I never see a power jack again it'll be too soon), as a programmer at a smalltime developement firm and was laid off and currently work as a agent for a telecom in their call center. I'm certain at least one of those jobs constitutes a honest days labor. My parents put me through university on those meagre wages as well as my sister and we have a little brother not too far away. I'll be supporting him through college just because I owe my parents. I've had my share of financial ups and downs but I was always conservative and never got in over my head. Thus flawless credit rating despite losing a good job and having to answer phones.
Wait until you have no insurance and you have a bad accident or serious illness before you say that. As a student and working parttime but with no insurance I was riding my bike one day when I was hit by a moving van. The medical bills from when I was in the hospital were more than $100,000. On top of that I spent more than a year in therapy, I finally quit therapy because I couldn't pay for it, the last tyme I was in therapy it cost $1500 a week and it was after 6 months when I stopped, and I had moved to anothe rstate to get that therapy. You could say that I should of had insurance but I checked into getting some but I couldn't get it for less than $300 a month. Heck I was lucky if I made $150 a week, there was just no way I could of afforded insurance if I were going to stay in school. Falcon
I can sympathize in being hit by a car. I got hit by a bus when some moron lebanese teen shoved me into it's path. But I live canada so that is taken care of by the government. If it wasn't wouldn't you get money from the insurance company of the movign van?
So, how would paying rent and buying groceries for a year and a half (because even the local fast food has that much competition for jobs) be irresponsible? When you can't afford to leave an area and start fresh elsewhere, and can't find a legal means of employment, you are left in a nasty situation. Throw on top of that being a college student, and it get even better. Yes, there are some people that manage to be poor and not have bad credit. One is not always an indicator of the other. Bad credit is not always the choice of the person, though - I actually have had to take out cash advances for six months to pay my other credit cards, when I was younger. A short-term no-win situation. The assumption that bad credit equals an irresponsible citizen is just that - an assumption. I will agree that there are cases where this is accurate, not nearly all of them.
I come from a poor family who pulled themselves out of poverty. I never had huge credit card debt or student loans because we made sacrifices. We ate out once every other month, otherwise everything was discount bargain bin living but this allowed me to graduate univerity with 0 debt and I have enough in the bank right now that if I lost my job I'd be okay for about 6 months. It's not because I have a lot in the bank but my expenses are very low. But then again corporations must hate me because they don't profit very much from me. I know not everyone can be like this but it does show I manage my finances well. So if it's the difference between them hiring me or you wouldn't it be valid? Bad credit does not equal a bad person but it is indictive of their priorities.
The vast majority of people in the world can't afford proper food or housing, let alone insurance. We've got enough systems in place to keep the poor stuck where they are, we don't need another one.
The vast majority of those people live in a third world country. You make a good sound arguement in classifying America as a soon to be third world country. Most fo the developed nations and all of the west have healthcare of some level with the US being one of the lowest levels.
Curse the poor wasting away borrowed money on such luxuries as appendectomies and chemotherapy treatments!
Circumstance plays a larger role than whether someone simply has a bad credit rating. Rather than just rejecting people with bad credit out of hand, a better solution would probably be to ask during the interview if the prospective employee has had money problems, with the credit report on hand for verification.
a) It does precious little to catch real criminals who might gank you.
Most criminals I know have terrible credit. If you were to do a study I'm certain you'd find a very good correlation to Criminal = bad credit.
b) It makes it impossible for people with poor credit histories to recover from it; therefore, those who are economically down in the dumps, are forced to remain there
Poor credit ratings are a sign of bad judgement and recklessness. Not poverty. The poor can have decent credit and the rich can have terrible credit. IT might make recovering from bankruptcy or bad loans hard but that is not an employers responsibility to help out those who screwed up their own lives.
c) Angry employees with no credit problems gank you, too. Why? Because they're angry. You're not even coming anywhere close to addressing that problem with credit checks. Your best bet here is to conjure up a more advanced psychological profile test because that would be a better predictor of what they'll do when they're ticked off, than a credit score.
You counter arguement isn't compelling. All the resons that give you bad credit also make you a risk as a employee. I can't think of many situations related to bad credit that are sympathetic. Went into a bad realistate deal and lost yoru shirt? well you problably were doing somethign dodgy or weren't very throuough in checking your investment. God laid off from a dot com and your mortgage forclosed? You are problably leavign well beyond your means and made some poor financial choices if a a temporary umployment span bankrupts you. ect...
If you can't get a job, you can't make the payments.
This effectively relegates the poor to a permanent poor status.
I already told my HR department 3 months ago to never even think about this bullshit tactic or they'll be fired out of here like a friggin cannon ball.
We don't need credit checks for jack squat. We need criminal state & FBI background checks and that's it.
Being poor does not mean you have bad credit. My parents never made more then a dollar over minimium wage but their bank keeps trying to upsell them to high limit cards. They always made their payments on their credit cards and on their mortgage. They never beleived in spending money they didn't have and the mortgage is the only thing they ever spent without having it. Being irresponsible is what leads to bad credit.
Re:Just like there will never be another Doom
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TA = Eve online
a minor also ran with a rabid fanbase. I personally thought TA sucked but many people hold contrary opinions. I'm one of those twitchy micro managers that played SC.
Re:Just like there will never be another Doom
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Can Anyone Beat WoW?
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No, all three of those are from different and the same companies respectively. Where's Command and Conquer?
Ahserons call = Command and Conquer Eve Online = Total Annihalation
basically an interesting also ran. Although C&C was previous as popular or more so in the first few interations, the series went slowly down hill and now it's nothing. Similiar to asherons call.
Eve online and total annihalation are also interestign also rans, who never really caught on but has a rabid fan base. Personally I thought TA was garbage, doesn't match my play style and matches the play style of those I call noobs.
Slashdot Mirror
Until Steam works as well as Unreal Engine/Doom3 engine games do on Mac/Linux (i.e. natively), it's irrelevant for most slashdotters.
according to the sites stats most of us are on win32 machines at least when we log onto slashdot. So it's relavant for most fo use, at elast for the time we can access slashdot.
...um, in the same way as the legality of bank robbery is questionable. Even if (*big* if) it is legal in Russia for AllOfMP3.com and its ilk to put the material online, that doesn't make it legal for people outside Russia to download that material.
except in canada. In canada you can download for sure but uploadign is illegal.
solution: use the sat for downloading updates and dial up to game. dial is not that bad at latency and a lot of games have optimized to send as small a packets as possible but often. So dial works for that. The wirelss GPRS solutions dont' work well because often no DSL = horrible cell coverage. So while you can get 144 kbit/s under the tower on a clear day you get closer to 4kbit/s at the remote locations where dsl/cable isn't available.
The only choice for Master Chief is Dwayne "The Rock" Johnson. Anyone else cool enough is too old for the role.
(Sorry, Samuel L. Jackson.)
If MC never appears without his helmet then you can just have any suitably tall stunt guy or even yao ming be MC and have Keith David (deep deep voice) do the voice. Suitable authoratative and partially bad ass.
Sorry,
Is it just me or is the "scientific method" these guys employ full of it.
I watched all of three shows, and each of them had incredible experimental flaws in them. If it wasn;t so long ago, I'd recount exactly the flaws I saw, but I forget.
Is it entertaining, perhaps, are they busting myths, no way.
They work under a logical fallacy of "if we can't do it, then group X couldn't possibly have done it. And they often confuse scientific concepts like "heat" vs "temparature" when trying to make a steam cannon. It was entertaining but bothered me that two geeks could get that so wrong.
actually the General American accent (closely resembles the midwestern local accent) is how the English spoke the the first English-speaking settelers came to North America. The New England and New York accents developed when their residents immitated, or partially immitated, some of the the changes thet British English was going through (since these communities still had close ties with the English). English speakers that moved west no longer had contact with the English and their language remained relatively preserved. So someone in England in the 17th century had an accent fairly close to Tom Brokaw.
I was told by a linguist one time that the Canadian english accent is the most "Accent neutral". I don't know if that means canadian english is even closer?
It should be easy to beat in a given time on easy, more difficult to beat on medium, and impossible to beat in hard.
There's no game which isn't beatable in X hours though; given long enough anyone can beat any game.. Except Ikaruga.
Many individuals dont' have the mental or physical skills to win certain games. For instance a friend of mine has never finished warcraft 3 without cheats, he simply lacks the ability to multi task to the degree nessacary for some of the harder levels. Even on easy he can't do it. For me no game in unwinable. Given enought ime I beat every game I play. Except the never ending ones.
There are 5 billion people educated by their governments out there in our world, and they just hate what their government hate and love what their government love. Including 1 billion Chinese speaking Chinese.
Ever been to china? I don't think you have. The emergent middle class is highly aware their being lied to about a whole lot. Their just nto 100% sure which is a lie. Things about Mao are common knowledge. He's not remembered fondly by any accept brown nosing party faithfull. You might want to do some research before you spread around gross generalizations.
Why would China ban Wikipedia... When they can just edit it?
# of employees in Chinese censorship office
1,500
# of chinese nationals who want to correct the offficial bullshit
~100,000+
# of non nationals wanting to correct the official bullshit
~1-2 million
clearly even with cheap labor they couldn't compete. So they banned it.
I think you are looking at this argument from the wrong side. The employer wants to check your credit rating because they believe that it will help identify if you are a good or bad employee. That may, or may not be true. But if the employer believes it, they will do it.
And the credit agencies are corporations out to make more money, and like you said, they make money every time someone pulls a credit report.
But your comment that "you shall either consume or be a second class citizen" is specious at best. I was out of work, but I had enough foresight to keep money in an emergency fund, and that coupled with other investments tieded me over. I can consume, sure, but I am responsible with my income, thus I become more weathy for it. And, my credit rating does not suffer, and I don't "slip" through the net.
If you want a really good look into the REAL difference between the Rich and Poor, or more accurately, the wealthy and affuent sectionn of society, pick up "The Millionaire Next Door." What you read in that book will likely surprise you.
I agree. I think a lot of bad credit stems from people living beyond their means. TV has really solds us on every girls needs prada or LV and every one must lived in (INCOME x 10)$ house, and eating out everyday ect. Too many people in all income brackets live hand to mouth and when any unexpected financial situation developes they are sunk.
1. correlation does not causation make.
2. There may be a correlaton in this direction criminal -> bad credit, but that hardly means there is one in the other direction dab credit -> criminal
100% true, hoever your only looking for correlation. If doing a credit check makes it 10% less likely your hiring a criminal then it's worth it. I never said bad credit = criminal all I said was criminal = bad credit. There is casaution there, criminals don't generally beleive int he system thus they don't play by it's rules and get bad credit.
Once reckless always reckless? One or two bad decissions, and they should never again be employable?
No, if a employer used only credit info he'd have a very short list of employees and it isn't feasible. However if it's between two individuals with equal credentials who left the same impression after the interview it'd be reasonable to use the credit rating as the deciding factor.
(so far, I think it's fairly reasonable, but then we get)
- Checkup
- Drug test
- Criminal record check
- Ability to ask nearly anything (except pertected class information) on application,
and not hire you for not filling it out.
Personally, it's none of their damn buissness. If law didn't stop them, they'd go after medical records and ask about our relationship status.... Because a married man/woman with kids will be a more stable employee, and because someone who is sick all time isn't a very good investment and will cost in insurance premiums. Heck, they'd ask for DNA, to make sure we're not predisposed to alcholism (regardless of weather we drink or not) or heart desise (because of insurance and so they know that we'll be thier mule for longer if we don't keel over of a heart attack). They past laws against these things because companies wanted this information.
Your sorta naive if you think those dont' sorta factor in now. Not for getting the job but definately for promotions. The DNA check no, btu a employee who is often sick will eventually get the pink slip for some other reason. A person who comes in hung over day after day will face similiar problems. It'd be great if everyone got second third forth chances ect.. but sometimes if you screw yoru life up badly enough it'll be very hard to recover. I have a friend whose an Ex Con. a good 40% of any hiring company won't take him. Is that wrong? perhaps btu he did screw up. And he did live large and spend big for 10 years, he's just payign for it now.
Drug test is reasonabel for some position. Especially wiht heavy equipment. Criminal records check is resonable when dealing with cash or personal info. Medical checkup would be for physically demandign jobs, and IQ/Psychological tests are routinely administered. The line is crossed when the check up had nothign to do with the job. IE. a medical test to be a operator at the phone company or a IQ test to be a consturction worker. Their only vaguely related so it's more then what the employer needs to consider.
Yes, the company the driver was working for, it was a company's van and the driver worked for the company, had insurance and they finally decided to settle almost a year after the accident. Even after they so decided it still took about three months for the settlement was approved, we had to go before a judge to have him approve of it. However after the medical bills and the lawyers were paid there wasn't much left and most of what was left was put into a trust. Before any money can come from the trust a majority of trustees have to approve.
/patriotic self promotion
Falcon
Does seem like a huge hassle. If I may make a random suggestion: Move up here to canada. Most of that stuff won't happen as poorly as it happened to you. First the medical bills would be covered with only extra like "private room" or so being up to you to pay. Drugs are cheaper and the gov will cover rehab. You would have still gotten money from the insurance company. In my province it would have been capped at 20,000 but with no bills to pay and workers comp kicking in 60% of your wages till you got better you'd be alright till it arrives. Also juristictions don't vary so this driver couldn only flee to the US to escape arrest. You'd pay about 15% more tax but everythign is about 6% cheaper anyways even accoutning for the currency difference and the qualifty of life is higher (standard of living is almost the same). The extra 9% of real money difference is made up for by not havign to pay insurance for medicine and having a generally healthier life because medical visits are more frequent since it's free.
Actually, you'd probably have rather poor credit. You have to take on debt to generate a good credit rating. Also, you could very easily be vaulted into a very negative credit rating. If your phone company started misplacing some of its mail, you would get dinged for that, regardless of who's fault it was. Unless you happen to send all your bills in by registered mail, and you're willing to sue for libel, you have no defense.
My credit is perfect. I've checked. I have my bills on inet billing and around the 25th or so I pay all of them at once. I use my credit cards a lot but never more then for lunch or dinner. I also happen to work for my telephone company and we're lazy. Unless it's 2 mo of arrears we don't do anything. After 2 we send a letter, after 4 we close the account. After 6 mo we send it to collectors and then it is reported to the credit agencies. So 6 mo is a long time to forget about ti considering by then the phone has been turned off.
Nationalized healthcare is the real bullshit. If you're afraid of the risk, hedge against it with your money, not mine.
The majority of the developed world has it so I doubt it's as much bullshit as those who support private health care. Some industries should not be privatized because of their importance to an individuals life. No one should ever get bankrupt due to illness and Most Plans are exorbanant to get good coverage.
Bad credit can also indicate bad luck. Maybe you suddenly need to have expensive surgery or medical treatments, or what if your house and everything you have is destroyed in a flood or fire? Bad credit can also indicate that your parents were less helpful than they should be in getting you independent. My best friend was kicked out of her parents house when she turned 18. She didn't have a job or an apartment, and she had to get credit cards buy food and stuff (she applied for food stamps, but it took her 6 months to to get her "emergency" food stamps). My mother got a credit card in my name, ran it up and never paid it off. Bad credit can also indicate mistakes in credit reporting. My husband's credit report used to have a lein on a house he supposedly owned when he was 14. Despite the fact that we could prove this was impossible, it still took us almost a year to get it off all of his reports. I can't imagine how difficult it would be to get a mistake off your report that theoretically could have been legit.
The first one would never happen to me because I live in canada. The others are pretty bad family situations. Not your fault for sure but they do affect your work life in a semi-significant way.
Many criminals are just people who don't believe there is such a thing as trust and opportunity. You're breeding them. Labour is something you invest in, not cultivate
Mosy criminals have a hard time linking their actions with consequences or are people with vices that need feeding. Some just grow fond of the easy money. Even when I am jaded and angry I still don't consider robbing a convenience store or exstoring a businessman. I agree that employees need to be invested in but I think a rigourous screening process and decent hiring choices helps everyone. I hate it when I have to pick up the slack because soem retard new hire doesn't do his job.
You sound like a professional student (with rich parents) who has never had to do an honest days' work in your life. You give no consideration about people trying to support families who suddenly face overwhelming medical bills due to a sudden illness. When you have weeks where you have to make a choice between making a payment on a credit card (that you had a balance on BEFORE the illness hit) or paying the electric bill (after receiving the shut-off notice and the electric utility won't negotiate a deferred payment), I would like to see you be in that situation and then let someone judge YOU as a 'deadbeat' or 'reckless'. You might have a different view on things...
My parents made $10cnd/h and $9cnd/h respectively when they left the work force in 2000. Minimium wage in my city was $6.5 at the time. Hardly "rich parents". I come froma immigrant family. We just lived very very cheaply. As for honest work, I've worked for a theatre chain selling popcorn and cleaning up for 5/h, worked as a warehouse picker for a grocery chain for a year for $16cnd/h (If I never see a power jack again it'll be too soon), as a programmer at a smalltime developement firm and was laid off and currently work as a agent for a telecom in their call center. I'm certain at least one of those jobs constitutes a honest days labor. My parents put me through university on those meagre wages as well as my sister and we have a little brother not too far away. I'll be supporting him through college just because I owe my parents. I've had my share of financial ups and downs but I was always conservative and never got in over my head. Thus flawless credit rating despite losing a good job and having to answer phones.
Wait until you have no insurance and you have a bad accident or serious illness before you say that. As a student and working parttime but with no insurance I was riding my bike one day when I was hit by a moving van. The medical bills from when I was in the hospital were more than $100,000. On top of that I spent more than a year in therapy, I finally quit therapy because I couldn't pay for it, the last tyme I was in therapy it cost $1500 a week and it was after 6 months when I stopped, and I had moved to anothe rstate to get that therapy. You could say that I should of had insurance but I checked into getting some but I couldn't get it for less than $300 a month. Heck I was lucky if I made $150 a week, there was just no way I could of afforded insurance if I were going to stay in school.
Falcon
I can sympathize in being hit by a car. I got hit by a bus when some moron lebanese teen shoved me into it's path. But I live canada so that is taken care of by the government. If it wasn't wouldn't you get money from the insurance company of the movign van?
So, how would paying rent and buying groceries for a year and a half (because even the local fast food has that much competition for jobs) be irresponsible? When you can't afford to leave an area and start fresh elsewhere, and can't find a legal means of employment, you are left in a nasty situation. Throw on top of that being a college student, and it get even better. Yes, there are some people that manage to be poor and not have bad credit. One is not always an indicator of the other. Bad credit is not always the choice of the person, though - I actually have had to take out cash advances for six months to pay my other credit cards, when I was younger. A short-term no-win situation. The assumption that bad credit equals an irresponsible citizen is just that - an assumption. I will agree that there are cases where this is accurate, not nearly all of them.
I come from a poor family who pulled themselves out of poverty. I never had huge credit card debt or student loans because we made sacrifices. We ate out once every other month, otherwise everything was discount bargain bin living but this allowed me to graduate univerity with 0 debt and I have enough in the bank right now that if I lost my job I'd be okay for about 6 months. It's not because I have a lot in the bank but my expenses are very low. But then again corporations must hate me because they don't profit very much from me. I know not everyone can be like this but it does show I manage my finances well. So if it's the difference between them hiring me or you wouldn't it be valid? Bad credit does not equal a bad person but it is indictive of their priorities.
The vast majority of people in the world can't afford proper food or housing, let alone insurance. We've got enough systems in place to keep the poor stuck where they are, we don't need another one.
The vast majority of those people live in a third world country. You make a good sound arguement in classifying America as a soon to be third world country. Most fo the developed nations and all of the west have healthcare of some level with the US being one of the lowest levels.
Curse the poor wasting away borrowed money on such luxuries as appendectomies and chemotherapy treatments!
Circumstance plays a larger role than whether someone simply has a bad credit rating. Rather than just rejecting people with bad credit out of hand, a better solution would probably be to ask during the interview if the prospective employee has had money problems, with the credit report on hand for verification.
Sick of that bullshit? move up here to Canada.
a) It does precious little to catch real criminals who might gank you.
Most criminals I know have terrible credit. If you were to do a study I'm certain you'd find a very good correlation to Criminal = bad credit.
b) It makes it impossible for people with poor credit histories to recover from it; therefore, those who are economically down in the dumps, are forced to remain there
Poor credit ratings are a sign of bad judgement and recklessness. Not poverty. The poor can have decent credit and the rich can have terrible credit. IT might make recovering from bankruptcy or bad loans hard but that is not an employers responsibility to help out those who screwed up their own lives.
c) Angry employees with no credit problems gank you, too. Why? Because they're angry. You're not even coming anywhere close to addressing that problem with credit checks. Your best bet here is to conjure up a more advanced psychological profile test because that would be a better predictor of what they'll do when they're ticked off, than a credit score.
You counter arguement isn't compelling. All the resons that give you bad credit also make you a risk as a employee. I can't think of many situations related to bad credit that are sympathetic. Went into a bad realistate deal and lost yoru shirt? well you problably were doing somethign dodgy or weren't very throuough in checking your investment. God laid off from a dot com and your mortgage forclosed? You are problably leavign well beyond your means and made some poor financial choices if a a temporary umployment span bankrupts you. ect...
If you can't get a job, you can't make the payments.
This effectively relegates the poor to a permanent poor status.
I already told my HR department 3 months ago to never even think about this bullshit tactic or they'll be fired out of here like a friggin cannon ball.
We don't need credit checks for jack squat. We need criminal state & FBI background checks and that's it.
Being poor does not mean you have bad credit. My parents never made more then a dollar over minimium wage
but their bank keeps trying to upsell them to high limit cards. They always made their payments on
their credit cards and on their mortgage. They never beleived in spending money they didn't have
and the mortgage is the only thing they ever spent without having it. Being irresponsible is what
leads to bad credit.
TA = Eve online
a minor also ran with a rabid fanbase. I personally thought TA sucked but many people hold contrary opinions. I'm one of those twitchy micro managers that played SC.
No, all three of those are from different and the same companies respectively. Where's Command and Conquer?
Ahserons call = Command and Conquer
Eve Online = Total Annihalation
basically an interesting also ran. Although C&C was previous as popular or more so in the first few interations, the series went slowly down hill and now it's nothing. Similiar to asherons call.
Eve online and total annihalation are also interestign also rans, who never really caught on but has a rabid fan base. Personally I thought TA was garbage, doesn't match my play style and matches the play style of those I call noobs.