I have a credit union instead of the shithole banks around here, so I have one location to go to down in Ft Meade. Bank of America is the only place nearby, so it's mail in checks or go to BAC to get checks. I needed something local to get a bank check one day to buy a house. Annoying shit.
What problems? Cash is annoying to deal with, I have to pay $4 every time I want to get cash or take a long lunch and work late to go to the bank. And then, I have to deal with Bank of America or drive 30 miles to the credit union. If I use an ATM, I need to remember my PIN somehow (I forgot I even had a card, and have no idea what the PIN is now...). Pulling cash and making a mistake can cost a lot of money--overdrafts happen, but that usually happens to poor people. And my cash purchases are untracked, so I don't know what I"m overspending on and don't know where I'm wasting money and need to trim my budget.
Credit cards on the other hand carry no additional fees for me. I don't have to count and carry cash. If my card is stolen or lost, I call and cancel it. I'm not responsible for purchases I don't authorize; they're canceled. If a merchant is a total dickhole, I can call for a charge-back and they'll be penalized about $30 on top of having to give the money back. Going over-limit on a credit card incurs no penalty, making it superior to checks for large purchases such as a $3000 stove or refrigerator or a $7000 heat pump for the house (mind you I'll back-load the card with a -$4000 balance before a big purchase, since I wouldn't accept the offer for a $15,000 credit limit--holy shit no). The police don't show up at my house if I buy something that costs $5000 on a card.
What do you mean "expensive money"? As I've pointed out, when you look at the amortization you see that paying X upfront on loan A saves you $1000, paying X upfront on loan B saves you $100. You would pay upfront on loan A, of course, because you're $900 richer that way. It has to do with how much solid interest you're accruing per month and how much of that interest you can make go away necessarily.
The way to figure out what loan you're most benefiting from paying down is to take the amount of additional payment you want to make and compare it to your payment schedule. Figure out how much interest you'd pay if you paid that down on the given payment schedule, and how much principle balance is paid down on that schedule.
For example, $1000/mo loan, $800 goes to interest (think 15 year mortgage at 4.25% on some $1000), $4000 extra payment, you're talking about 4 months at $3200 interest vs $800 principle, or a P:I ratio of 0.2. If you pay that $4000 upfront, what winds up happening is you skip roughly (($4000 - $1000) / $200) = 15 payments, at roughly $800 in interest per payment, you save about $12,000.
Compare that with a credit card with a $3800 balance and a high interest rate such that you pay $80 on that balance in a month (that's roughly 25% interest rate). If you pay in $1000/mo payments and take this down over the same 4 months, you'll pay roughly $80 + $60 + $40 + $20 = $200 in interest. $3800 / $200 gives you a P:I of 19, much higher than 0.2. What winds up happening is you skip roughly 3 payments, so you wind up paying $80 in interest and then knocking the loan out and skipping $120. You save yourself $120.
Assuming you had $4000 up-front and would have paid the other loan down with an extra $1000 per month, 4 months later your 4.25% mortgage really only costs you $3200, since you're hitting it hard up-front still--just slower. It'll take you 4 more higher-tier payments to dig down into the lower-tier payments, i.e. you hold high amounts of debt longer. Which is still more than the $200 that 4 month period. You're $3000 less rich.
Pay your extra money into the loan that the bank is taking a bigger chunk of money out of. If you give the bank $1000 and they keep $800 of it and take down your balance by $200, you want to take the option to drive your balance down further RIGHT NOW before you accrue more interest. What's happening here is, for all intents and purposes, you're paying interest on $1000 you borrowed; then you pay that down, but you continue to pay interest on $800 more dollars you borrowed in the process (your interest accrued, which is the cost of the loan, and which you need to pay back).
Of course I bought a house and a car and I'll be out of debt in 3 years and I make $65k, so what do I know? Those folks who make $85k and are in their 60s and finally finishing off their mortgages are probably better at this than me right?
Back pocket, but I spent $109 for a wallet that's ultra-thin and stays ultra-thin when loaded with cash and 6 cards. I had Wal-Mart $10 wallets that were thicker than this empty, and sizable bricks when loaded.
High interest rates on credit cards are a red herring.
Let's say I have a card with a $3000 balance and I pay 10% interest. Let's say I also have a car loan with a $30,000 balance (hey I bought a new Audi) at 2.5%. I have $3000, which loan do I pay down?
Every person I ask this question says pay off the credit card because holy shit 10% interest. 10% of $3000 is much more than 2.5% of $3000.
In 1 month, I'll pay $25 of interest on $3000 at 10%. On the other hand, I'll pay $62 of interest on the car loan at 2.5% in that one month. For a 5 year car loan, the first payments' principle is about $470, with $62 interest accrued per month, so a total payment of $532 just about. If I put that extra $3000 straight on my car payment, I instantly save $390; whereas if I make $263 payments on my credit card to pay the $3000 balance off in 1 year, I wind up spending $165 in interest.
Shit-tastically high interest rates are less evil than shit-tastically high balances.
No I spend $180/mo. I've decided I'd rather spend $2000 on a really nice bicycle and upgraded wheels (REV22) and bike to work. Last time I did this, I saved more money in 5 months than the bike cost ($400 plus gear... I saved some $1800 outright between insurance and gasoline, plus wear-and-tear which was like... 95% of my car's wear-and-tear). This time, I don't have the insurance drop, so I expect the payoff to be in terms of physical and mental health--an unpredicted benefit last time, but this time it's well-known.
Oddly, almost everyone I see pays by credit which leads me to believe either people aren't aware of the price difference, don't care about the price difference or are too stupid to realize how much money they're throwing away by using credit to buy their gas.
My tank is 12 gallons and I'll put high-octane gas in even though I have a non-performance car. At $3.89/gal instead of $3.49, it costs me about $5 more out of some $42. The upshot is that Shell V-Power gasoline has better detergents that keep my engine in better shape, reducing long-term maintenance costs. BP Invigorate is just a fancy trade-name for "we put all that stuff in all our gas," so I get regular gas at BP.
At 4 cents per gallon savings, you're saving about 50 cents a tank. Maybe $2/mo. Mind you, all my purchases go to Mint, and I get to see my expenses and optimize them out; that's how I reduced my expenses to near-nothing and became rich. It's worth the $2.
I only ever carry cash because A) the bar doesn't let me in without a cover fee in cash (subverted: the girl collecting the fee gave me her number, and I text her when I want in free); and B) vending machines don't take credit (except at the college, where they all have strip readers). Typically this is money I got for Christmas that I carry for the rest of the year; so maybe $200 in cash spent per year.
A mechanical safety has much less entropy. In the simplest design, you would push a little button. On the right side, you push it in and it pops out the left; the pin has now slid out of the way of the trigger/firing mechanism. On the left side, you push it back and it now blocks the firing mechanism. There isn't much entropy in a sliding piece of metal with a groove in it or whatnot. Two lunks of metal, one acting as a ward, with a chunk cut out of it so when you slide it into position it un-wards and lets the other piece move.
Start adding levers and pivots and you have things to jam up, with more stresses because of the energy lost in conversion (on pivots, you lose a little energy to heat from the energy needed to reverse direction, including any friction in bearings). More entropy: more places for stuff to break. There are many places where things can change.
Moving to electronic systems, data analysis, etc, you've now got mathematical processes run on integrated circuitry that can experience any number of faults. Circuit failure, battery failure, sensors not picking up quite the right information--due to sensor faults or just material or spatial issues (big chunk of metal in the way, your hand is oriented weird, etc.). Failure isn't just "it done broke," but "At this point in time, the specific collection of conditions required for the computerized arbiter to authorize a firing condition were not met within tolerance." It may not be broken; it may just be cold outside. Your hands are too clammy. You're sweating.
It's only day 1 though, which is silly. This is an obscure title that hasn't been talked about forever like, oh, the 27th Halo game or BioShack 19 or whatever. Should have kept their mouth shut for a week, or set it up to not kick in until a month after release date and then start being dickish.
Depends on where you are. Some parts of the world like to use "Republican Army" a lot (Ireland has like 6 xRA insurgencies), I'm being silly because I don't like the term in America due to there being an actual Republican party and a lot of retarded people who will draw a connection and start being assholes.
OKC was terrorism. The summary went babbling on about modern paramilitary threats, which are not terrorism. But we call everything terrorism. Show up with a gun at a restaurant? You're a terrorist, not an armed robber or a nutjob. Attempt to assassinate the President? You're a terrorist. Give a Senator the middle finger and start criticizing him openly during a big speech? Terrorist. I'm sick of hearing it. Call me when someone sticks a bomb in your high school and calls up demanding ransom.
The summary says it's to prevent use in "Acts of Terror", and then starts babbling about IEDs. It's like the whole world is too stupid to understand the difference between terrorism and NGAs. Terrorists do shit to scare people into giving them things; these people are NGAs, doing shit and then gloating to rally morale for their cause. It's a plain old act of war, just without a government to blame.
Because it won't happen. That's why it's silly. It's like believing in magic, faeries, and the idea that everybody gets universal health care for no tax increase (this is a real thing: people in America for decades have had this thing where the same people who want free government healthcare also don't want to pay for it--but the money has to come from somewhere)
It's more like some silly liberal wet-dream going on here. "Oh in the future, we'll all be enlightened and socialist and help each other and there will be no 'want' and no lust and no violence!" Automatically, alien species must be not-warlike because "they've evolved and become enlightened". So, with no drives, they do what? Sit around, meditate, and die off slowly? Or have they discovered immortality and allowed society to stagnate, which will eventually lead to ruin anyway?
Even the Chozo know aggression and desire. They have a deep sated hunger for the truth, for knowledge. They reached an 'enlightened' state in which they merged technology with nature and sought to cohabitate with the natural state of a planet they chose, yet they desired power--they desired knowledge, growth, evolution. They saw other races as young, or as evolved near-equals, or as fools who want that which none should obtain.
People imagine that future humans and any aliens would be like small children. "Enlightened" such that they will not understand aggression or desire, that these will be foreign to them--as a child who is attacked by a stranger he never knew to fear, and doesn't understand why. They believe that, in the future, facing aggression, thievery, and base lust will be a strange and confusing experience which cannot be reconciled, instead leaving the mind paralyzed with no ability to understand such alien things.
He should primarily be asking his stakeholders. Maybe if he read the PMBOK5e and Rita Mulcahy's PM Crash Course, he'd realize he needs to start by finding the actual engineers who will be working there, and the managers who will be running it, and the guy funding it, and maybe some of the customers, and asking them what THEY expect to do with it. Questions like "How do I accomplish a two-sentence stated goal?" are inherently stupid.
What is pear shaped? Pear shaped things are good--for example, delicious pears. Also some women, if that's your thing, though they have hourglass-shaped and fun skinny chicks too.
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I have a credit union instead of the shithole banks around here, so I have one location to go to down in Ft Meade. Bank of America is the only place nearby, so it's mail in checks or go to BAC to get checks. I needed something local to get a bank check one day to buy a house. Annoying shit.
I can't believe I read it as "Bitch-coin ware" twice.
What problems? Cash is annoying to deal with, I have to pay $4 every time I want to get cash or take a long lunch and work late to go to the bank. And then, I have to deal with Bank of America or drive 30 miles to the credit union. If I use an ATM, I need to remember my PIN somehow (I forgot I even had a card, and have no idea what the PIN is now...). Pulling cash and making a mistake can cost a lot of money--overdrafts happen, but that usually happens to poor people. And my cash purchases are untracked, so I don't know what I"m overspending on and don't know where I'm wasting money and need to trim my budget.
Credit cards on the other hand carry no additional fees for me. I don't have to count and carry cash. If my card is stolen or lost, I call and cancel it. I'm not responsible for purchases I don't authorize; they're canceled. If a merchant is a total dickhole, I can call for a charge-back and they'll be penalized about $30 on top of having to give the money back. Going over-limit on a credit card incurs no penalty, making it superior to checks for large purchases such as a $3000 stove or refrigerator or a $7000 heat pump for the house (mind you I'll back-load the card with a -$4000 balance before a big purchase, since I wouldn't accept the offer for a $15,000 credit limit--holy shit no). The police don't show up at my house if I buy something that costs $5000 on a card.
What do you mean "expensive money"? As I've pointed out, when you look at the amortization you see that paying X upfront on loan A saves you $1000, paying X upfront on loan B saves you $100. You would pay upfront on loan A, of course, because you're $900 richer that way. It has to do with how much solid interest you're accruing per month and how much of that interest you can make go away necessarily.
The way to figure out what loan you're most benefiting from paying down is to take the amount of additional payment you want to make and compare it to your payment schedule. Figure out how much interest you'd pay if you paid that down on the given payment schedule, and how much principle balance is paid down on that schedule.
For example, $1000/mo loan, $800 goes to interest (think 15 year mortgage at 4.25% on some $1000), $4000 extra payment, you're talking about 4 months at $3200 interest vs $800 principle, or a P:I ratio of 0.2. If you pay that $4000 upfront, what winds up happening is you skip roughly (($4000 - $1000) / $200) = 15 payments, at roughly $800 in interest per payment, you save about $12,000.
Compare that with a credit card with a $3800 balance and a high interest rate such that you pay $80 on that balance in a month (that's roughly 25% interest rate). If you pay in $1000/mo payments and take this down over the same 4 months, you'll pay roughly $80 + $60 + $40 + $20 = $200 in interest. $3800 / $200 gives you a P:I of 19, much higher than 0.2. What winds up happening is you skip roughly 3 payments, so you wind up paying $80 in interest and then knocking the loan out and skipping $120. You save yourself $120.
Assuming you had $4000 up-front and would have paid the other loan down with an extra $1000 per month, 4 months later your 4.25% mortgage really only costs you $3200, since you're hitting it hard up-front still--just slower. It'll take you 4 more higher-tier payments to dig down into the lower-tier payments, i.e. you hold high amounts of debt longer. Which is still more than the $200 that 4 month period. You're $3000 less rich.
Pay your extra money into the loan that the bank is taking a bigger chunk of money out of. If you give the bank $1000 and they keep $800 of it and take down your balance by $200, you want to take the option to drive your balance down further RIGHT NOW before you accrue more interest. What's happening here is, for all intents and purposes, you're paying interest on $1000 you borrowed; then you pay that down, but you continue to pay interest on $800 more dollars you borrowed in the process (your interest accrued, which is the cost of the loan, and which you need to pay back).
Of course I bought a house and a car and I'll be out of debt in 3 years and I make $65k, so what do I know? Those folks who make $85k and are in their 60s and finally finishing off their mortgages are probably better at this than me right?
Back pocket, but I spent $109 for a wallet that's ultra-thin and stays ultra-thin when loaded with cash and 6 cards. I had Wal-Mart $10 wallets that were thicker than this empty, and sizable bricks when loaded.
High interest rates on credit cards are a red herring.
Let's say I have a card with a $3000 balance and I pay 10% interest. Let's say I also have a car loan with a $30,000 balance (hey I bought a new Audi) at 2.5%. I have $3000, which loan do I pay down?
Every person I ask this question says pay off the credit card because holy shit 10% interest. 10% of $3000 is much more than 2.5% of $3000.
In 1 month, I'll pay $25 of interest on $3000 at 10%. On the other hand, I'll pay $62 of interest on the car loan at 2.5% in that one month. For a 5 year car loan, the first payments' principle is about $470, with $62 interest accrued per month, so a total payment of $532 just about. If I put that extra $3000 straight on my car payment, I instantly save $390; whereas if I make $263 payments on my credit card to pay the $3000 balance off in 1 year, I wind up spending $165 in interest.
Shit-tastically high interest rates are less evil than shit-tastically high balances.
No I spend $180/mo. I've decided I'd rather spend $2000 on a really nice bicycle and upgraded wheels (REV22) and bike to work. Last time I did this, I saved more money in 5 months than the bike cost ($400 plus gear... I saved some $1800 outright between insurance and gasoline, plus wear-and-tear which was like... 95% of my car's wear-and-tear). This time, I don't have the insurance drop, so I expect the payoff to be in terms of physical and mental health--an unpredicted benefit last time, but this time it's well-known.
Soon I'll spend $40/mo on fuel.
Oddly, almost everyone I see pays by credit which leads me to believe either people aren't aware of the price difference, don't care about the price difference or are too stupid to realize how much money they're throwing away by using credit to buy their gas.
My tank is 12 gallons and I'll put high-octane gas in even though I have a non-performance car. At $3.89/gal instead of $3.49, it costs me about $5 more out of some $42. The upshot is that Shell V-Power gasoline has better detergents that keep my engine in better shape, reducing long-term maintenance costs. BP Invigorate is just a fancy trade-name for "we put all that stuff in all our gas," so I get regular gas at BP.
At 4 cents per gallon savings, you're saving about 50 cents a tank. Maybe $2/mo. Mind you, all my purchases go to Mint, and I get to see my expenses and optimize them out; that's how I reduced my expenses to near-nothing and became rich. It's worth the $2.
I only ever carry cash because A) the bar doesn't let me in without a cover fee in cash (subverted: the girl collecting the fee gave me her number, and I text her when I want in free); and B) vending machines don't take credit (except at the college, where they all have strip readers). Typically this is money I got for Christmas that I carry for the rest of the year; so maybe $200 in cash spent per year.
Dude, I can totally hack that and make it output infinite cash.
But when they screw it up, I can jack up the chip and buy a ton of shit in Canada for fake money! Easier than counterfeit.
A mechanical safety has much less entropy. In the simplest design, you would push a little button. On the right side, you push it in and it pops out the left; the pin has now slid out of the way of the trigger/firing mechanism. On the left side, you push it back and it now blocks the firing mechanism. There isn't much entropy in a sliding piece of metal with a groove in it or whatnot. Two lunks of metal, one acting as a ward, with a chunk cut out of it so when you slide it into position it un-wards and lets the other piece move.
Start adding levers and pivots and you have things to jam up, with more stresses because of the energy lost in conversion (on pivots, you lose a little energy to heat from the energy needed to reverse direction, including any friction in bearings). More entropy: more places for stuff to break. There are many places where things can change.
Moving to electronic systems, data analysis, etc, you've now got mathematical processes run on integrated circuitry that can experience any number of faults. Circuit failure, battery failure, sensors not picking up quite the right information--due to sensor faults or just material or spatial issues (big chunk of metal in the way, your hand is oriented weird, etc.). Failure isn't just "it done broke," but "At this point in time, the specific collection of conditions required for the computerized arbiter to authorize a firing condition were not met within tolerance." It may not be broken; it may just be cold outside. Your hands are too clammy. You're sweating.
It's only day 1 though, which is silly. This is an obscure title that hasn't been talked about forever like, oh, the 27th Halo game or BioShack 19 or whatever. Should have kept their mouth shut for a week, or set it up to not kick in until a month after release date and then start being dickish.
Depends on where you are. Some parts of the world like to use "Republican Army" a lot (Ireland has like 6 xRA insurgencies), I'm being silly because I don't like the term in America due to there being an actual Republican party and a lot of retarded people who will draw a connection and start being assholes.
OKC was terrorism. The summary went babbling on about modern paramilitary threats, which are not terrorism. But we call everything terrorism. Show up with a gun at a restaurant? You're a terrorist, not an armed robber or a nutjob. Attempt to assassinate the President? You're a terrorist. Give a Senator the middle finger and start criticizing him openly during a big speech? Terrorist. I'm sick of hearing it. Call me when someone sticks a bomb in your high school and calls up demanding ransom.
The summary says it's to prevent use in "Acts of Terror", and then starts babbling about IEDs. It's like the whole world is too stupid to understand the difference between terrorism and NGAs. Terrorists do shit to scare people into giving them things; these people are NGAs, doing shit and then gloating to rally morale for their cause. It's a plain old act of war, just without a government to blame.
ActiveSync is Windows phone.
Prevent use in "Acts of Terror" which wtf? That even being an accepted valid phrase is an act of blistering stupidity.
Of course it's not efficient. Now instead of transmission, you have to pump water and nutrient to the plant. More work.
Because it won't happen. That's why it's silly. It's like believing in magic, faeries, and the idea that everybody gets universal health care for no tax increase (this is a real thing: people in America for decades have had this thing where the same people who want free government healthcare also don't want to pay for it--but the money has to come from somewhere)
Okay dumbass, tell me this: If you had landed on the moon when you were 19, how many chicks would you have had sex with by now?
Troy Rising?
It's more like some silly liberal wet-dream going on here. "Oh in the future, we'll all be enlightened and socialist and help each other and there will be no 'want' and no lust and no violence!" Automatically, alien species must be not-warlike because "they've evolved and become enlightened". So, with no drives, they do what? Sit around, meditate, and die off slowly? Or have they discovered immortality and allowed society to stagnate, which will eventually lead to ruin anyway?
Even the Chozo know aggression and desire. They have a deep sated hunger for the truth, for knowledge. They reached an 'enlightened' state in which they merged technology with nature and sought to cohabitate with the natural state of a planet they chose, yet they desired power--they desired knowledge, growth, evolution. They saw other races as young, or as evolved near-equals, or as fools who want that which none should obtain.
People imagine that future humans and any aliens would be like small children. "Enlightened" such that they will not understand aggression or desire, that these will be foreign to them--as a child who is attacked by a stranger he never knew to fear, and doesn't understand why. They believe that, in the future, facing aggression, thievery, and base lust will be a strange and confusing experience which cannot be reconciled, instead leaving the mind paralyzed with no ability to understand such alien things.
People are so stupid.
He should primarily be asking his stakeholders. Maybe if he read the PMBOK5e and Rita Mulcahy's PM Crash Course, he'd realize he needs to start by finding the actual engineers who will be working there, and the managers who will be running it, and the guy funding it, and maybe some of the customers, and asking them what THEY expect to do with it. Questions like "How do I accomplish a two-sentence stated goal?" are inherently stupid.
Credit card? You got it!
What is pear shaped? Pear shaped things are good--for example, delicious pears. Also some women, if that's your thing, though they have hourglass-shaped and fun skinny chicks too.