...except that plenty of people, even those who should know better, are willing to accept a free flash drive.
And that flash drive also is a HID device, and it's going to sometimes send a series of keystrokes that issue command you don't like.
This entire hack depends on a device that looks like a keyboard, not being a keyboard, but being a keyboard AND a network card - or a flash drive that's ALSO a HID device - or a webcam that's also a BT receiver.
I have never, and will never, submit to a drug test.
While I am in favor of voting with my feet (so to speak), most of us can't afford to remain steadfast in our convictions when it comes to keeping our mortgage paid and our kids fed.
I had a drug test in 1996, and again in 2001, and a pair of them in 2013. I'm now subject to random testing, which irks me to no end. Unfortunately, there's no other game in town that wants to pay me six figures and not test me -- at least not one I've found yet.
We should remove other decisions from the weakest among us. Why let them enter into legal contracts regarding their own health and finance when we're certainly more capable of doing it for them. We're just protecting them, after all.
* Men don't have to worry as much because their sizes are measured in inches.
Well, sort of.
Although more common in women's apparel, vanity sizing occurs in men's clothing as well. For example, men's pants are traditionally marked with two numbers, "waist" (waist circumference) and "inseam" (distance from the crotch to the hem of the pant). While the nominal inseam is fairly accurate, the nominal size may be smaller than the actual length by more than an inch in U.S. sizes. In 2010, Abram Sauer of Esquire measured several pairs of dress pants with a nominal waist size of 36 at different U.S. retailers and found that actual measurements ranged from 37 to 41 inches.[7] The phenomenon has also been noticed in the United Kingdom, where a 2011 study found misleading labels on more than half of checked items of clothing. In that study, worst offenders understated waist circumferences by 1.5 to 2 inches. London-based market analyst Mintel say that the number of men reporting varying waistlines from store to store doubled between 2005 and 2011.[8]
Men have been lying about a couple of inches in the pants forever too:)
In our particular case we keep getting sent a $600 bill from a local hospital because a specialist couldn't figure out the right ICD-9 on his paperwork which he submitted 6 months after the treatment, and our insurance rejected it. They're over the SOL, but that doesn't seem to stop them from mailing us twice a year.
I sort of feel bad for the hospital. Stupid doctor. They could get paid pretty quickly if they'd send the right paperwork to my previous insurer.
In a past life, I was fortunate to work for a large west-coast healthcare company.
The largest deductible I had in-network was $100 for surgery, and $75 for ER trips. I had to use said west-coast healthcare facilities if there was one within 50 miles of me, but we were pretty good hospitals, so I never minded.
Most big banks offer virtual card services. Google Wallet does too. If your bank doesn't, plenty of prepaid options make for safer online shopping.
I think EA and Microsoft should do their best to charge customers whatever their customers voluntarily agreed to, by whatever the cardholder agreement says. If they're breaking the cardholder agreement, they should be held responsible.
We've been fighting a small medical bill because the hospital couldn't bill insurance correctly. Bill trickle in after major events (doctors and other specialists bill separately, badly, incorrectly coded) and rarely are they all seamless. Even perfectly covered items might leave a hospital (or doctor, or...whatever) chasing you around the world for a co-pay....and knowing they'll rarely see it, they sell them for pennies on a dollar to debt collectors who'll ding your credit.
If my wife wasn't a benefits specialist in a previous life, we'd drown in the things - all so badly handled by incompetent billers and insurers.
More details: "An alarming 35 percent of people with credit files have debt in collections reported in these file s . This percentage is nearly identical to results from a 2004 analysis of credit bureau data by the Federal Reserve, which found that 36.5 percent of people with credit report s had debt in collections reported in their file s (Avery et al. 2004). Note that consumers themselves may not realize they have debt in collections. Some consumers report becoming aware of this debt only when they review their credit report (CFPB 2013)"
Only 5.3% are currently past due on a bill. "5.3 percent of people with a credit file have a report of past due debt, indicating they are between 30 and 180 days late on a nonmortgage payment"
So most of the people have old debts which could be up to 7 years old.
So there you go. A lot of us have an outstanding medical bill on our credit reports, and we should check them more often.
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And if it's your first keyboard, how do you answer? Scream "YES" at it, or plug in the compromised mouse?
Even if you just allow HID devices without confirmation, compromised HID devices that click "yes" for you will be next.
It's still chicken and egg. Even if you have a touchscreen, that screen is an input device too, you know.
...except that plenty of people, even those who should know better, are willing to accept a free flash drive.
And that flash drive also is a HID device, and it's going to sometimes send a series of keystrokes that issue command you don't like.
This entire hack depends on a device that looks like a keyboard, not being a keyboard, but being a keyboard AND a network card - or a flash drive that's ALSO a HID device - or a webcam that's also a BT receiver.
My particular niche of IT centers around healthcare, which includes insurers, which pretty much mandates preemployment screening at a minimum.
..but, but, (failed) f1r$t p0$+!
I had a problem with worse once.
It was worse than expected.
I have never, and will never, submit to a drug test.
While I am in favor of voting with my feet (so to speak), most of us can't afford to remain steadfast in our convictions when it comes to keeping our mortgage paid and our kids fed.
I had a drug test in 1996, and again in 2001, and a pair of them in 2013. I'm now subject to random testing, which irks me to no end. Unfortunately, there's no other game in town that wants to pay me six figures and not test me -- at least not one I've found yet.
Hear hear!
We should remove other decisions from the weakest among us. Why let them enter into legal contracts regarding their own health and finance when we're certainly more capable of doing it for them. We're just protecting them, after all.
Did they also receive 50% fewer callbacks, or were the callbacks they received only of poorer quality?
Or he's from Quebec, and he's got an 11th grade primary education and some sort of 2+ year degree there...
* Men don't have to worry as much because their sizes are measured in inches.
Well, sort of.
Although more common in women's apparel, vanity sizing occurs in men's clothing as well. For example, men's pants are traditionally marked with two numbers, "waist" (waist circumference) and "inseam" (distance from the crotch to the hem of the pant). While the nominal inseam is fairly accurate, the nominal size may be smaller than the actual length by more than an inch in U.S. sizes. In 2010, Abram Sauer of Esquire measured several pairs of dress pants with a nominal waist size of 36 at different U.S. retailers and found that actual measurements ranged from 37 to 41 inches.[7] The phenomenon has also been noticed in the United Kingdom, where a 2011 study found misleading labels on more than half of checked items of clothing. In that study, worst offenders understated waist circumferences by 1.5 to 2 inches. London-based market analyst Mintel say that the number of men reporting varying waistlines from store to store doubled between 2005 and 2011.[8]
Men have been lying about a couple of inches in the pants forever too :)
I think it's adorable that you believe you can't.
I touch my NFC enabled phone to a number of physical card readers, each time generating a virtual number...
Thank you. That's sweet of you to say.
There were fewer eyes back then...
In our particular case we keep getting sent a $600 bill from a local hospital because a specialist couldn't figure out the right ICD-9 on his paperwork which he submitted 6 months after the treatment, and our insurance rejected it. They're over the SOL, but that doesn't seem to stop them from mailing us twice a year.
I sort of feel bad for the hospital. Stupid doctor. They could get paid pretty quickly if they'd send the right paperwork to my previous insurer.
...having one is sufficient, until that one cancels you for never using it.
You'll get a good credit report either way short term, but make sure to do something to keep your account from being closed due to inactivity.
In a past life, I was fortunate to work for a large west-coast healthcare company.
The largest deductible I had in-network was $100 for surgery, and $75 for ER trips. I had to use said west-coast healthcare facilities if there was one within 50 miles of me, but we were pretty good hospitals, so I never minded.
I suspect most medical collections (by volume, not dollar) fall into unpaid copays, and miscoded bills that are never correctly sent to insurance.
I suspect most medical collections by dollar are catastrophic issues of some sort. Hospitalization for uninsured or underinsured.
A lot of people are stupid, sure.
Most big banks offer virtual card services. Google Wallet does too. If your bank doesn't, plenty of prepaid options make for safer online shopping.
I think EA and Microsoft should do their best to charge customers whatever their customers voluntarily agreed to, by whatever the cardholder agreement says. If they're breaking the cardholder agreement, they should be held responsible.
I'm going to go out on a limb and say you're over the statue of limitations on that...
I don't know why anyone has more than a couple quick interactions with a debt collector.
A flowchart for 'ya.
http://creditboards.com/forums...
I actually suspect that's a lot of people's 35%.
We've been fighting a small medical bill because the hospital couldn't bill insurance correctly. Bill trickle in after major events (doctors and other specialists bill separately, badly, incorrectly coded) and rarely are they all seamless. Even perfectly covered items might leave a hospital (or doctor, or...whatever) chasing you around the world for a co-pay. ...and knowing they'll rarely see it, they sell them for pennies on a dollar to debt collectors who'll ding your credit.
If my wife wasn't a benefits specialist in a previous life, we'd drown in the things - all so badly handled by incompetent billers and insurers.
Theme song?!?
http://en.wikipedia.org/wiki/A...
Yeah, but entitlement!
This was discussed on Fatwallet today, and most of the sensationalism was debunked quickly.
http://www.fatwallet.com/forum...
A few juicy tidbits:
More details: "An alarming 35 percent of people with credit files have debt in collections reported in these file s . This percentage is nearly identical to results from a 2004 analysis of credit bureau data by the Federal Reserve, which found that 36.5 percent of people with credit report s had debt in collections reported in their file s (Avery et al. 2004). Note that consumers themselves may not realize they have debt in collections. Some consumers report becoming aware of this debt only when they review their credit report (CFPB 2013)"
...and...
The actual source: http://www.urban.org/publicati...
Only 5.3% are currently past due on a bill. "5.3 percent of people with a credit file have a report of past due debt, indicating they are between 30 and 180 days late on a nonmortgage payment"
So most of the people have old debts which could be up to 7 years old.
So there you go. A lot of us have an outstanding medical bill on our credit reports, and we should check them more often.