yep, they batch out all withdrawls, checks, and so on before they batch deposited checks so that money you thought you had in your account was not actually credited to you until they processed the check, just so they can charge you the overdraft fee. The best part is that they process the transactions in order of largest to smallest so that they can maximize the number of overcharge feels.
I've never had that happen (I do not like cutting things that close) but my friend runs into that all too often.
* Steering me into a trap credit card when I wanted a vehicle loan. First payment was a day late and my interest rate exploded.
Really? They don't have any grace period? Wow. I was late for a car payment for the first time in my life a few months ago - the reason is I simply completely forgot about it. My checking account was too high and I was going nuts trying to figure out what I didn't pay - then I remembered I didn't make my car payment, and so the next morning rushed straight to the credit union to pay in cash. They said no problem, I've never been late before, and that was that. No extra fee, and they extended the grace period for me.
The only thing I do for personal banking at Bank of America is checking, because they have ATMs everywhere, and the credit union has only a few locations none of which are convenient for daily transactions. However I don't carry cash much any more (I like my AmEx rewards!) so maybe I can do without BoA altogether and use the credit union exclusively.
I don't see it as anti US, but anti-corrupt-American-politician organization. He's making good on Obama's campaign promise of a transparent government.:)
That is like saying that because Ford installed faulty oil filters, they are responsible for the Firestone tires on their explorers.
Ford recommended severely under-inflating the tires for ride comfort. Unless the Firestone tires prove defective when properly inflated, how can you blame Firestone for Ford's willful negligence?
Saying Firestone was at fault because the courts said so is like saying Castrol Syntec is actually synthetic oil not based on dino oil because the courts say Castrol/BP can call it synthetic. Hint: the courts can and often do fuck up and make the completely wrong decision. See also: OJ Simpson.
The gasoline may come from the same small group of refineries (because environazi regulations has blocked new refineries for decades) but you don't think it matters if BP isn't the middle man jn the deal? Somebody earns profits from the distribution process. I'd just as soon it not be BP, not just because of the spill, but BP has a very long history of unethical business practices (google "castrol syntec" for good info on BP's legalizing fraud).
In order for any boycott to be effective you would have to boycott them for a full quarter - not do what some people did when they "bocotted" Mobil back in the day by delaying filling up by a few days.
Hell, I haven't knowingly purchased any BP products ever since the lawsuits redefined what was allowed to be called "synthetic motor oil" - their business practices have always been unethical. (I have filled up at Arco but I didn't know they were BP)
Corporate owned media would make sure that they'd never see the light of day. Furthermore, anyone so much as advocating changing the status quo would have a massive smear campaign dumped on him by that same media.
No, they would just completely ignore a third candidate, as which happened with Ron Paul.
Any time there is a pro-America presidential candidate who believes the constitution means what it says and says what it means and wants to restore government to the core tasks it is allowed to do rather than the ever-growing behemoth it has become, and supports incentives to companies to manufacuture product domestically to boost our economy over the long term (as opposed to the quick buck a few people make by outsourcing offshore) that candidate is either ignored, or stories of racist ideals are manufactured and no opportunity is given to the person to clear the air (Take Buchanan for example; his book was published by a publisher who also put out some racist publications - and all of a sudden Buchanan is made out to be a jew-and-black hating Nazi).
Back in grammar school we used to make guns out of ballpoint pens. Take the mechanism apart, put the spring in between the button and the ratchety piece, with the ratchety piece put in backwards. It would shoot a few feet - so yes you can improvise "weapons"[sic].
However, it cannot draw blood, cannot bruise, and is completely harmless. A nerf gun is far more dangerous.
They also apply learned skills to new things. One of the strays in the neighborhood kept coming up to the door and climbing on it. After I opened it she would turn around and want out again. This kept repeating before I realized the cat knew that many doors opened when you push on them and was trying the same trick on my sliding door. All the strays (about 11 cats) do this when they want me to open the door now.
Did you train the cat, or did the cats train you?
Wow, with your aptitude for acquiring and using knowledge it is clear you are fairly intelligent, and you even associate the command to open the door from 11 different cats. I am impressed! Of course, your repeated action could be merely a cheap parlor trick; simple mimicry.;)
For a private (e.g., not ecommerce, banking, etc.) web site, just create a certificate authority and use self-signed certificates, and send an email to the users covering the installation of private certs in MSIE, Firefox, Chrome and Safari. Don't waste your money on a versign cert because all it does is eliminate the warning for a price, whereas your users can eliminate it for free. Why add the tracking of additional "licensing" fees to your workload?
If it's public-facing then by all means buy the cert to ease support costs, but for employee use this is a deployment and documentation issue.
It's been there since iOS 4, and Apple says that you should normally not have to fully quit the apps anymore due to how multitasking works.
Which can be interesting if you run tomtom. When you're in a store you will hear "turn left on main street" coming from your pocket/purse/etc. if you don't kill the app.
I would LOVE to see Descent remade - original Descent and Descent maps on a new engine running on the current consoles. Modern gaming controllers (the xbox 360 in particular) are ideal for that kind of game. I would also love to see Hexen II on new hardware.
Dell Precisions have been pretty good. The failure rate on the Precision line of laptops in particular is incredibly low, and the performance is fantastic thanks to their shoehorning a desktop chipset into the laptop form factor.:)
For servers: Use Supermicro-based servers with LSI hardware RAID cards. Run CentOS with SMB so that you can get domain support in place for the Windows workstations, but avoid having to pay obnoxious per-seat/per-connection licensing ON TOP OF server licensing as you would have to do with Microsoft's solutions. If you need a full feature alternative to Exchange, check out Scalix or Zimbra (both are very inexpensive compared to Exchange) and run either one on CentOS. For backups, I've become partial to just writing bash scripts to back up to external drives. Get three or more external hard drives and rotate through them day by day. If Windows is required for your server, I would recommend the same hardware, but be aware that the total costs are much, much higher when you factor in Server+client access licensing + groupware solution + realtime antivirus (annual subscription) + email gateway antivirus (annual subscription unless you want to wrestle with perl to get ASSP running on 64-bit Windows) = your new server is incredibly expensive. Another problem with Windows licensing is eventually Microsoft will pull the plug on client access licenses for your installed version, which means that you will be forced into an OS upgrade if the current OS would otherwise be perfectly adequate for your purposes.
For workstations: to decrease total cost of ownership (the pain of maintenance. If you are not married to Windows, consider using Macintoshes instead. Mac Minis offer pretty decent performance and take up a lot desk estate than PCs of comparable quality, plus you can also run Windows and Linux on Mac hardware if you need to. Why OS X? You can escape the insanity of malware/virus/trojan horse breakouts, maintenance is a heck of a lot easier, and backup and restore is far easier on a Mac than it is on Windows.
For laptops if maximum reliability and desktop-like performance are the priority: I would recommend Macbook Pro, or if you want real mobile workstations and if the budget allows it, Dell Precision M6500. I have a Dell Precision M6400 and it's great- they cram a desktop chipset into the laptop form factor and performance is excellent, plus if I enable all the power saving features I can still manage to get 3-4 hours of use on a charge (about an hour if I turn off power management for max performance). The M6500 is far better than my M6400 performance-wise as it uses Core i5/i7 processors and a newer generation nVidia chipset. If portability is a concern I would still go with the Dell Precision line, but the M4500. If budget is a concern and rules out the precisions, some of the Latitudes are pretty good as well, but I would stay far away from any of Dell's other laptop lines as the other lines are not built nearly as well (their netbooks are okay though).
Right. What could possibly go wrong? I do not want RFID chips associated with my credit card. I'm happy with the '60s-'70s tech magnetic strip which can still be cloned but not just by walking by someone with an RFID scanner.
In the early moments of the big bang, there were supposedly equal amounts of matter and antimatter created. This promptly annihilated leaving behind whatever imbalance there was in the relative amounts. This leftover matter is what the universe is made up of now.
Who says everything making up the universe now isn't antimatter, and the matter we are comprised of wasn't part of a mass which destroyed a previous universe?
While I agree we don't need a nanny state... it is really fucking hard to eat healthy in the US. EVERYTHING that is readily available, like fast food or most of the premade stuff in grocery stores, falls under the category of "probably unhealthy." In order to eat healthy, you have to either prepare all your meals from good ingredients that you were careful to select and careful to read all the small print on the boxes, or you drove to the other side of the city to get to the Organic Foods Coop, where all the stuff sold can be assumed to be good. It shouldn't be a pain to eat right, but americans are bombarded with shit on a daily basis.
So, People with food allergies and intolerances already have to read the labels on everything, and avoid fast food for the plague it is.
What I hate is that cows are now fed corn instead of grass, so their immune systems suffer. Rather than fixing it the right way by letting them graze, what is the USDA-approved fix? Pump them up full of drugs. On top of that, they want the animals to fatten up 3x faster than they normally do, so they feed and inject the animals full of growth hormones and other nasty stuff.
Whereas if the cattle were raised naturally (I hesitate to use the word "organic" since all food is organic in nature) and fed what they were to naturally eat, the meat would be healthier, people would likely get fewer cancers, and there would be less of a need to destroy essential enzymes in food through pasteurization.
The odd thing is that all of this happened through regulation; substances considered non GRAS by the FDA has been allowed to be used in practically every processed food on the market. meat packing and dairy companies have successfully changed how the USDA and FDA regulate our food sources to encourage unhealthy meat due to how animals "should" be raised, and how milk is produced, and if you raise and slaughter animals more naturally (and humanely) you risk getting raided by federal agents.
All this happened through corporate america's hijacking the system and getting regulation passed. The problem is, it regulates the system so it works to better their pockets, and not for the good of the country.
Watch Supersize Me and Food, Inc. for some insights into just how broken a regulated system can be, and how a corrupt system can enforce the production of substandard product.
As far as processed vs. whole foods go - yes, it is often hard to find food to eat on the go, but snacking on pecans and a jug of milk is a hell of a lot healthier than getting a Big Mac or Whopper.
I'm thankful that I can't eat soy because it forced me to open my eyes to what really is being done to our food sources, and what the root cause of it all is, and how the government enforces the destruction of our food sources.
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yep, they batch out all withdrawls, checks, and so on before they batch deposited checks so that money you thought you had in your account was not actually credited to you until they processed the check, just so they can charge you the overdraft fee. The best part is that they process the transactions in order of largest to smallest so that they can maximize the number of overcharge feels.
I've never had that happen (I do not like cutting things that close) but my friend runs into that all too often.
Really? They don't have any grace period? Wow. I was late for a car payment for the first time in my life a few months ago - the reason is I simply completely forgot about it. My checking account was too high and I was going nuts trying to figure out what I didn't pay - then I remembered I didn't make my car payment, and so the next morning rushed straight to the credit union to pay in cash. They said no problem, I've never been late before, and that was that. No extra fee, and they extended the grace period for me.
The only thing I do for personal banking at Bank of America is checking, because they have ATMs everywhere, and the credit union has only a few locations none of which are convenient for daily transactions. However I don't carry cash much any more (I like my AmEx rewards!) so maybe I can do without BoA altogether and use the credit union exclusively.
I don't see it as anti US, but anti-corrupt-American-politician organization. He's making good on Obama's campaign promise of a transparent government. :)
This article needs a "Like" button so I can click it!
The wall cover will fit either way as single and double gang NEMA 1 and NEMA 5 outlets are symmetrical externally.
Besides, even if they were not symmetrical would be a trivial matter to install an outlet fixture upside down.
200F surface temperature on Mars? Try 70F on a really hot day:
http://quest.nasa.gov/aero/planetary/mars.html
http://www.ehow.com/about_4610050_what-mars-highest-temperature.html
http://www.universetoday.com/35664/temperature-of-the-planets/
This page claims 90F but that is speculation, and is still way shy of 200F:
http://www.astronomy.com/en/sitecore/content/Home/News-Observing/Astronomy%20Kids/2008/03/Mars.aspx
They didn't test HDS?
http://www.youtube.com/watch?v=Q2sObM9p9mQ
I have a nit to pick about that.
Ford recommended severely under-inflating the tires for ride comfort. Unless the Firestone tires prove defective when properly inflated, how can you blame Firestone for Ford's willful negligence?
Saying Firestone was at fault because the courts said so is like saying Castrol Syntec is actually synthetic oil not based on dino oil because the courts say Castrol/BP can call it synthetic. Hint: the courts can and often do fuck up and make the completely wrong decision. See also: OJ Simpson.
The gasoline may come from the same small group of refineries (because environazi regulations has blocked new refineries for decades) but you don't think it matters if BP isn't the middle man jn the deal? Somebody earns profits from the distribution process. I'd just as soon it not be BP, not just because of the spill, but BP has a very long history of unethical business practices (google "castrol syntec" for good info on BP's legalizing fraud).
They don't make any products you can purchase? Really?
http://www.castrol.com/castrol/genericsection.do?categoryId=82915811&contentId=6006712
In order for any boycott to be effective you would have to boycott them for a full quarter - not do what some people did when they "bocotted" Mobil back in the day by delaying filling up by a few days.
Hell, I haven't knowingly purchased any BP products ever since the lawsuits redefined what was allowed to be called "synthetic motor oil" - their business practices have always been unethical. (I have filled up at Arco but I didn't know they were BP)
http://dodgedakotas.com/boards/gen/26587.html
http://www.twoguysgarage.com/forum/showthread.php?t=7284
http://www.rx8club.com/showthread.php?t=77015
http://www.bobistheoilguy.com/forums/ubbthreads.php?ubb=showflat&Number=193189
There was one benefit to Castrol's winning that suit - it did force the price of true synthetics down quite a bit.
They don't have it; They create it on a computer. Research fiat currency and how fractional banking works. You might be shocked.
No, they would just completely ignore a third candidate, as which happened with Ron Paul.
Any time there is a pro-America presidential candidate who believes the constitution means what it says and says what it means and wants to restore government to the core tasks it is allowed to do rather than the ever-growing behemoth it has become, and supports incentives to companies to manufacuture product domestically to boost our economy over the long term (as opposed to the quick buck a few people make by outsourcing offshore) that candidate is either ignored, or stories of racist ideals are manufactured and no opportunity is given to the person to clear the air (Take Buchanan for example; his book was published by a publisher who also put out some racist publications - and all of a sudden Buchanan is made out to be a jew-and-black hating Nazi).
Back in grammar school we used to make guns out of ballpoint pens. Take the mechanism apart, put the spring in between the button and the ratchety piece, with the ratchety piece put in backwards. It would shoot a few feet - so yes you can improvise "weapons"[sic].
However, it cannot draw blood, cannot bruise, and is completely harmless. A nerf gun is far more dangerous.
It's 2010. Where are you buying prerecorded cassettes now?
Or, the question asked by those born in the '90s: "What is tape?"
Did you train the cat, or did the cats train you?
Wow, with your aptitude for acquiring and using knowledge it is clear you are fairly intelligent, and you even associate the command to open the door from 11 different cats. I am impressed! Of course, your repeated action could be merely a cheap parlor trick; simple mimicry. ;)
For a private (e.g., not ecommerce, banking, etc.) web site, just create a certificate authority and use self-signed certificates, and send an email to the users covering the installation of private certs in MSIE, Firefox, Chrome and Safari. Don't waste your money on a versign cert because all it does is eliminate the warning for a price, whereas your users can eliminate it for free. Why add the tracking of additional "licensing" fees to your workload?
If it's public-facing then by all means buy the cert to ease support costs, but for employee use this is a deployment and documentation issue.
Which can be interesting if you run tomtom. When you're in a store you will hear "turn left on main street" coming from your pocket/purse/etc. if you don't kill the app.
I'll bet he will serve a far harsher sentence than rapists and child diddlers, because this involves the almighty dollar.
I would LOVE to see Descent remade - original Descent and Descent maps on a new engine running on the current consoles. Modern gaming controllers (the xbox 360 in particular) are ideal for that kind of game. I would also love to see Hexen II on new hardware.
Dell Precisions have been pretty good. The failure rate on the Precision line of laptops in particular is incredibly low, and the performance is fantastic thanks to their shoehorning a desktop chipset into the laptop form factor. :)
For servers: Use Supermicro-based servers with LSI hardware RAID cards. Run CentOS with SMB so that you can get domain support in place for the Windows workstations, but avoid having to pay obnoxious per-seat/per-connection licensing ON TOP OF server licensing as you would have to do with Microsoft's solutions. If you need a full feature alternative to Exchange, check out Scalix or Zimbra (both are very inexpensive compared to Exchange) and run either one on CentOS. For backups, I've become partial to just writing bash scripts to back up to external drives. Get three or more external hard drives and rotate through them day by day. If Windows is required for your server, I would recommend the same hardware, but be aware that the total costs are much, much higher when you factor in Server+client access licensing + groupware solution + realtime antivirus (annual subscription) + email gateway antivirus (annual subscription unless you want to wrestle with perl to get ASSP running on 64-bit Windows) = your new server is incredibly expensive. Another problem with Windows licensing is eventually Microsoft will pull the plug on client access licenses for your installed version, which means that you will be forced into an OS upgrade if the current OS would otherwise be perfectly adequate for your purposes.
For workstations: to decrease total cost of ownership (the pain of maintenance. If you are not married to Windows, consider using Macintoshes instead. Mac Minis offer pretty decent performance and take up a lot desk estate than PCs of comparable quality, plus you can also run Windows and Linux on Mac hardware if you need to. Why OS X? You can escape the insanity of malware/virus/trojan horse breakouts, maintenance is a heck of a lot easier, and backup and restore is far easier on a Mac than it is on Windows.
For laptops if maximum reliability and desktop-like performance are the priority: I would recommend Macbook Pro, or if you want real mobile workstations and if the budget allows it, Dell Precision M6500. I have a Dell Precision M6400 and it's great- they cram a desktop chipset into the laptop form factor and performance is excellent, plus if I enable all the power saving features I can still manage to get 3-4 hours of use on a charge (about an hour if I turn off power management for max performance). The M6500 is far better than my M6400 performance-wise as it uses Core i5/i7 processors and a newer generation nVidia chipset. If portability is a concern I would still go with the Dell Precision line, but the M4500. If budget is a concern and rules out the precisions, some of the Latitudes are pretty good as well, but I would stay far away from any of Dell's other laptop lines as the other lines are not built nearly as well (their netbooks are okay though).
Fixed that for you!
Get other people to invent and develop, then they can patent and troll!
Right. What could possibly go wrong? I do not want RFID chips associated with my credit card. I'm happy with the '60s-'70s tech magnetic strip which can still be cloned but not just by walking by someone with an RFID scanner.
Who says everything making up the universe now isn't antimatter, and the matter we are comprised of wasn't part of a mass which destroyed a previous universe?
So, People with food allergies and intolerances already have to read the labels on everything, and avoid fast food for the plague it is.
What I hate is that cows are now fed corn instead of grass, so their immune systems suffer. Rather than fixing it the right way by letting them graze, what is the USDA-approved fix? Pump them up full of drugs. On top of that, they want the animals to fatten up 3x faster than they normally do, so they feed and inject the animals full of growth hormones and other nasty stuff.
Whereas if the cattle were raised naturally (I hesitate to use the word "organic" since all food is organic in nature) and fed what they were to naturally eat, the meat would be healthier, people would likely get fewer cancers, and there would be less of a need to destroy essential enzymes in food through pasteurization.
The odd thing is that all of this happened through regulation; substances considered non GRAS by the FDA has been allowed to be used in practically every processed food on the market. meat packing and dairy companies have successfully changed how the USDA and FDA regulate our food sources to encourage unhealthy meat due to how animals "should" be raised, and how milk is produced, and if you raise and slaughter animals more naturally (and humanely) you risk getting raided by federal agents.
All this happened through corporate america's hijacking the system and getting regulation passed. The problem is, it regulates the system so it works to better their pockets, and not for the good of the country.
Watch Supersize Me and Food, Inc. for some insights into just how broken a regulated system can be, and how a corrupt system can enforce the production of substandard product.
As far as processed vs. whole foods go - yes, it is often hard to find food to eat on the go, but snacking on pecans and a jug of milk is a hell of a lot healthier than getting a Big Mac or Whopper.
I'm thankful that I can't eat soy because it forced me to open my eyes to what really is being done to our food sources, and what the root cause of it all is, and how the government enforces the destruction of our food sources.
That's why individuals can buy insurance. :)