The only reason I can think of that anyone would want an ARM is that typically they have a lower initial payment. For homeowners who move often enough (say every 5 years), the ARM doesn't have enough time to get too extreme.
"They had significant problems with respect to loan underwriting, poor documentation, and a high amount of early payment defaults..."
According to the article, it wasn't just that the bank failed due to the mortgage crisis, it was that they poorly ran their bank. I worry a little about ING as well because they are promoting their ARMs so much. I've tried to find details on a 15 or 30 year fixed mortgage from them and cannot find it.
Seriously, instead of asking Slashdot, ask for a Physical and/or Speach Therapist at the hospital. This has been taken care of time and time again by them and you should really trust their opinion.
Tell me do you believe the words of Francis Collins over the Bible? Hmm... I question your authority on the subject. If you are not a Christian, why do you claim to understand scriptural truth? If you are a Christian, you are proclaiming word contrary to the scripture, and you are doing more harm than anything else I can think of. So then where do you stand?
Genesis says 6 days. Gen 1-8 God created heaven and earth, as well as the light and the dark (i.e. sun and moon). "And there was evening, and there was morning--the second day." - How is this not a day? I don't change my beliefs just because someone says it should take longer than this.
"They assert that all physical creation was produced in just six days of 24 hours each...But in doing so, they promote an unscriptural teaching that has caused many to ridicule the Bible." - How is this conflicting with scripture? Check this URL out for more info on young earth vs old earth "http://www.answersingenesis.org/home/area/faq/you ng.asp". There is way more evidence than I could quote here. I don't find any scripture in your message, and certainly not in my Bible that agrees with your statement.
"Further, the earth was already in existence before the creative days began. (Genesis 1:1)" - That was part of the first day. You have therefore only claimed that the earth and heaven sat around for a while. The first day ended when the light returned on the second day. Do you then admit at that point the days were 24 hours? The sun and moon cycle didn't change after they were created. So then the animals were all created in a day? Stating the earth was in existence doesn't change the fact that God created in 6 days, unless you choose to make up your own account of it.
2 Peter 3:8-9 says "But do not forget this one thing, dear friends: With the Lord a day is like a thousand years, and a thousand years are like a day. The Lord is not slow in keeping his promise, as some understand slowness. He is patient with you, not wanting anyone to perish, but everyone to come to repentance." This is a SIMILE, and it was completely taken out of context. It does not say a day IS a thousand years, it says LIKE. The point is to say the time will come, but on the Lord's schedule. Be patient and it will happen, just not when we want it.
Frankly I don't believe anyone here can prove the Bible wrong. But if you wish to try and disprove it you will be disappointed, because for the scientific theories that have been presented there is more science to refute those theories. It all comes down to faith. Do you believe the scientific theories and pick and choose your faith in God, or do you do it the other way around?
Who told you God would judge you on doctrinal issues? That is old testament stuff! Now yes we are all judged according to the word, but it is your faith in Christ that determines the outcome. There is much more to it than that and I don't wish to force it on you in this forum, but I ask that at the very least read the books of the new testament and then make an educated decision based on what you've read. Do not assume that what you have heard from others is truth. God bless you:-)
Not everyone who attends church every Sunday is following what is in the scriptures (the same holds true for people of Jewish and Islamic faith as well) and you are correct that God will see right through the people who treated others like crap, but went to church every Sunday. However, to blame them rather than scripture for your disbelief is simply sad. Furthermore you are not religious because God is not what you want him to be? This seems rather selfish. Christianity is simple: Christ died to pay the price for our sinful nature. All we have to do is accept that. The rest is just strengthening the way you live your life, treat others, and look at the world.
When I look around I see so many mysteries, and so much complexity that still cannot be explained by evolutionary science. The internal workings of a cell are a perfect example of this, or perhaps the eye. It's like throwing a few buckets of paint at a wall and expecting a beautiful portrait, or splashing ink on a page and getting Shakespeare. It just won't happen. Darwin himself struggled with this particular point. I won't go as far as to say the world is only a few thousand years old, or that nothing evolves, but perhaps God is there making that little change happen to please himself.
Tell me have you ever PXE booted 3500 desktop computers on your network before? Maybe this works in a datacenter on a secondary network, but not on the main client network.
Usually the SSN is the PK in a relational db. It isn't hard to assign arbitrary account/user/customer numbers to those records, and replace the SSN in other tables with that number (assuming you have cascading updates). If the SSN is necessary for business, it should be stored without relationships to other tables. Of course this usually requires your program to be edited...
Since when do they need a purpose, exactly? They are investigating potential violations of the LAW. Obey it or leave! If your business was committing unethical practices, you deserve to pay for that, regardless of the consequences.
A burglar doesn't get tried because it's convenient, they get tried because they broke the law.
"Now if they can solve kick-back, I'll be a tablesaw fiend."
Kick-back has been solved, in the form of that safety gear that comes with the saw. Use the riving knife and anti-kickback fingers on your blade guard!
The usual sources of kick-back are from the blade being dull/gummed up and/or the wood binding against the blade (keep it straight). Also try ripping with the wood going at a slight downward angle to the surface.
I agree with your comments about Access not being good for a backend under any decent load. The problem ultimately is one of scalability. The only way up is to use the upsizing wizard and place the data into your SQL server. This requires you convert to an Access Project (ADP), or to rewrite your app. Why VB.NET cannot convert your VBA into an executable is beyond me. Also, Access 2003 does not work right with SQL Server Express. You have to have MSDE/SQL2000 to fully work. Unacceptable in my opinion.
Managers will indeed get themselves in a hole when they start using this for mission critical work, and they never see it coming. Business grows, and so surely the database can store more data, right? BZZZZZZZZ wrong.
I'm going to assume you've got Access 2003, because I can't remember what they changed from 2000 anymore:-)
The Microsoft Access Conversion Toolkit will give you some of the information you want, and can be used to query MDBs network-wide. If you just need to figure out the mess of a single chosen database, start using the built-in features of Access. Check the relationships and see if anything has been diagrammed out for you. If it has, then you have the ERD ready. If not, have fun figuring it out... Use the stuff in 'Tools->Analyze' to get more property and design information. Try right-clicking on a table/query/form/report and selecting 'Object Dependencies'. This will allow you to see what requires it to work, as well as what the object depends on. Lastly, I just start working through the code/macros (yuck). The object dependencies stuff won't check macros or VBA, so you have to check manually. Sometimes you'll find DAO/ADO code opening connections programmatically.
Best of luck to you! This will suck badly, in case you didn't figure that out already. Access provides an upsizing wizard that can help you upload your data to an MS-SQL server, but that will require you debug (ADP as frontend) / rewrite (VB.NET) the forms and stuff.
Despite what people say, Access does allow for security rights. However, it is not linked in any way to the machine or Active Directory. You use a modified shortcut to load the database with a security file. It works alright for most things, but there is no record-level security, and it sucks when you have 20 people signed in and you have to update the file. Also, supposedly there are cracks that break that security.
This all leads me to my next point for all who read: DO NOT USE ACCESS AS AN ENTERPRISE-LEVEL / MISSION CRITICAL DATABASE SUITE. Pay for a decent tool/programmer/dba/whatever if you really like your data. This application is just for personal / small-group data storage. There is a reason it comes with Office, and not SQL Server. Thank you.
"I always thought it funny that Americans think people standing in line for bread or soap is a sign of a failed political system, while they think nothing of standing in long lines to exercise their democratic rights. The message it communicates is that democracy in the US is apparently an artificially scarce good."
What does that say about the local BMV then? I just waited two hours to renew my drivers license. THAT, is a failed political system.
Just because the insurance industry SAYS it is so, doesn't mean it SHOULD be so. This is similar to the countless Microsoft-sponsored research that is out there stating Windows Server is better than anything else. It doesn't actually mean it's true.
Basically what I want to say is this: My finances are mine, and mine alone. It shouldn't affect any services you receive, unless those services revolve around credit. Unless my auto insurance plan covers me if I can't make the payments on it, it shouldn't be affected by my credit.
The credit agencies definately have too much power. A friend of mine just had auto insurance rates go up because of credit card debt. Tell me how that affects your driving record? The same applies to the cell phone providers. Why do they need to know your credit rating to issue a phone plan? It's because they sell contracts and want paid. Reform is needed, but who will actually make it happen? The politicians are on the payroll of the companies that like the status quo.
"(there is nothing in Doom III worse than the violence of Tom and Jerry or Roadrunner)"...other than those evil demons/zombies throwing fire and ripping people apart, and the blood everywhere, and the...
You get my point.
You stated this suite is an ugly mess, but I must disagree. Microsoft's reasoning for making the Office product suite so large is to assist businesses. If you don't require anything beyond a basic spreadsheet and word processor, why did you purchase MS Office? Word Perfect and Quattro Pro work fine if you want to spend money, or download one of the free substitutes. The public confuses this product as something they need, instead of as a major business productivity enhancement. MS Wordpad is fine for the Junior High book report. The public is asking for simpler because nobody is learning the new features! By using SharePoint with office, you can implement a decent document library system in minutes. I guess just look at the rest of the features and see why they charge so much for this.
My point is, if it doesn't suit your needs, don't purchase it. But please don't dog on an otherwise decent product. I do have to agree on your comment about Excel spreadsheets though:-)
Too many people are happy with their existing DVD players (and DVD/VCR combos), and with the price point dropping on both the players, and the recorders, most won't purchase anything else for a while. Most people have a regular television, and those that have HD are pretty happy with DVD using fiber audio, and component video. This will only affect a niche market, just like the laserdisc did.
With the economy in such a state as it is, the average USA consumer is more concerned with putting food on the table, and gasoline in the cars (SUVs).
How long did the VHS standard stay in use? Why can't this apply to DVD? With the shitty movies out there these days, why upgrade anyway. As I said, the economy will not support this. Maybe it will in 10 years; who knows.
Slashdot Mirror
The only reason I can think of that anyone would want an ARM is that typically they have a lower initial payment. For homeowners who move often enough (say every 5 years), the ARM doesn't have enough time to get too extreme.
"They had significant problems with respect to loan underwriting, poor documentation, and a high amount of early payment defaults..."
According to the article, it wasn't just that the bank failed due to the mortgage crisis, it was that they poorly ran their bank. I worry a little about ING as well because they are promoting their ARMs so much. I've tried to find details on a 15 or 30 year fixed mortgage from them and cannot find it.
Seriously, instead of asking Slashdot, ask for a Physical and/or Speach Therapist at the hospital. This has been taken care of time and time again by them and you should really trust their opinion.
Tell me do you believe the words of Francis Collins over the Bible? Hmm... I question your authority on the subject. If you are not a Christian, why do you claim to understand scriptural truth? If you are a Christian, you are proclaiming word contrary to the scripture, and you are doing more harm than anything else I can think of. So then where do you stand?
u ng.asp". There is way more evidence than I could quote here. I don't find any scripture in your message, and certainly not in my Bible that agrees with your statement.
Genesis says 6 days. Gen 1-8 God created heaven and earth, as well as the light and the dark (i.e. sun and moon). "And there was evening, and there was morning--the second day." - How is this not a day? I don't change my beliefs just because someone says it should take longer than this.
"They assert that all physical creation was produced in just six days of 24 hours each...But in doing so, they promote an unscriptural teaching that has caused many to ridicule the Bible." - How is this conflicting with scripture? Check this URL out for more info on young earth vs old earth "http://www.answersingenesis.org/home/area/faq/yo
"Further, the earth was already in existence before the creative days began. (Genesis 1:1)" - That was part of the first day. You have therefore only claimed that the earth and heaven sat around for a while. The first day ended when the light returned on the second day. Do you then admit at that point the days were 24 hours? The sun and moon cycle didn't change after they were created. So then the animals were all created in a day? Stating the earth was in existence doesn't change the fact that God created in 6 days, unless you choose to make up your own account of it.
2 Peter 3:8-9 says "But do not forget this one thing, dear friends: With the Lord a day is like a thousand years, and a thousand years are like a day. The Lord is not slow in keeping his promise, as some understand slowness. He is patient with you, not wanting anyone to perish, but everyone to come to repentance." This is a SIMILE, and it was completely taken out of context. It does not say a day IS a thousand years, it says LIKE. The point is to say the time will come, but on the Lord's schedule. Be patient and it will happen, just not when we want it.
Frankly I don't believe anyone here can prove the Bible wrong. But if you wish to try and disprove it you will be disappointed, because for the scientific theories that have been presented there is more science to refute those theories. It all comes down to faith. Do you believe the scientific theories and pick and choose your faith in God, or do you do it the other way around?
Who told you God would judge you on doctrinal issues? That is old testament stuff! Now yes we are all judged according to the word, but it is your faith in Christ that determines the outcome. There is much more to it than that and I don't wish to force it on you in this forum, but I ask that at the very least read the books of the new testament and then make an educated decision based on what you've read. Do not assume that what you have heard from others is truth. God bless you :-)
Not everyone who attends church every Sunday is following what is in the scriptures (the same holds true for people of Jewish and Islamic faith as well) and you are correct that God will see right through the people who treated others like crap, but went to church every Sunday. However, to blame them rather than scripture for your disbelief is simply sad. Furthermore you are not religious because God is not what you want him to be? This seems rather selfish. Christianity is simple: Christ died to pay the price for our sinful nature. All we have to do is accept that. The rest is just strengthening the way you live your life, treat others, and look at the world.
When I look around I see so many mysteries, and so much complexity that still cannot be explained by evolutionary science. The internal workings of a cell are a perfect example of this, or perhaps the eye. It's like throwing a few buckets of paint at a wall and expecting a beautiful portrait, or splashing ink on a page and getting Shakespeare. It just won't happen. Darwin himself struggled with this particular point. I won't go as far as to say the world is only a few thousand years old, or that nothing evolves, but perhaps God is there making that little change happen to please himself.
Tell me have you ever PXE booted 3500 desktop computers on your network before? Maybe this works in a datacenter on a secondary network, but not on the main client network.
Usually the SSN is the PK in a relational db. It isn't hard to assign arbitrary account/user/customer numbers to those records, and replace the SSN in other tables with that number (assuming you have cascading updates). If the SSN is necessary for business, it should be stored without relationships to other tables. Of course this usually requires your program to be edited...
This all hinges on having offspring :-) You are, afterall, just another Slashdot reader...
Since when do they need a purpose, exactly? They are investigating potential violations of the LAW. Obey it or leave! If your business was committing unethical practices, you deserve to pay for that, regardless of the consequences.
A burglar doesn't get tried because it's convenient, they get tried because they broke the law.
"Now if they can solve kick-back, I'll be a tablesaw fiend."
Kick-back has been solved, in the form of that safety gear that comes with the saw. Use the riving knife and anti-kickback fingers on your blade guard!
The usual sources of kick-back are from the blade being dull/gummed up and/or the wood binding against the blade (keep it straight). Also try ripping with the wood going at a slight downward angle to the surface.
After I find the Tylenol.
I agree with your comments about Access not being good for a backend under any decent load. The problem ultimately is one of scalability. The only way up is to use the upsizing wizard and place the data into your SQL server. This requires you convert to an Access Project (ADP), or to rewrite your app. Why VB.NET cannot convert your VBA into an executable is beyond me. Also, Access 2003 does not work right with SQL Server Express. You have to have MSDE/SQL2000 to fully work. Unacceptable in my opinion.
Managers will indeed get themselves in a hole when they start using this for mission critical work, and they never see it coming. Business grows, and so surely the database can store more data, right? BZZZZZZZZ wrong.
I'm going to assume you've got Access 2003, because I can't remember what they changed from 2000 anymore :-)
The Microsoft Access Conversion Toolkit will give you some of the information you want, and can be used to query MDBs network-wide. If you just need to figure out the mess of a single chosen database, start using the built-in features of Access. Check the relationships and see if anything has been diagrammed out for you. If it has, then you have the ERD ready. If not, have fun figuring it out... Use the stuff in 'Tools->Analyze' to get more property and design information. Try right-clicking on a table/query/form/report and selecting 'Object Dependencies'. This will allow you to see what requires it to work, as well as what the object depends on. Lastly, I just start working through the code/macros (yuck). The object dependencies stuff won't check macros or VBA, so you have to check manually. Sometimes you'll find DAO/ADO code opening connections programmatically.
Best of luck to you! This will suck badly, in case you didn't figure that out already. Access provides an upsizing wizard that can help you upload your data to an MS-SQL server, but that will require you debug (ADP as frontend) / rewrite (VB.NET) the forms and stuff.
Despite what people say, Access does allow for security rights. However, it is not linked in any way to the machine or Active Directory. You use a modified shortcut to load the database with a security file. It works alright for most things, but there is no record-level security, and it sucks when you have 20 people signed in and you have to update the file. Also, supposedly there are cracks that break that security.
This all leads me to my next point for all who read: DO NOT USE ACCESS AS AN ENTERPRISE-LEVEL / MISSION CRITICAL DATABASE SUITE. Pay for a decent tool/programmer/dba/whatever if you really like your data. This application is just for personal / small-group data storage. There is a reason it comes with Office, and not SQL Server. Thank you.
>> On what planet is this sort of nonsense "Insightful"?
The same planet this sort of nonsense is "Funny"!
**Go ahead. Take what karma I have left.**
"I always thought it funny that Americans think people standing in line for bread or soap is a sign of a failed political system, while they think nothing of standing in long lines to exercise their democratic rights. The message it communicates is that democracy in the US is apparently an artificially scarce good."
What does that say about the local BMV then? I just waited two hours to renew my drivers license. THAT, is a failed political system.
...Chuck Norris
Just because the insurance industry SAYS it is so, doesn't mean it SHOULD be so. This is similar to the countless Microsoft-sponsored research that is out there stating Windows Server is better than anything else. It doesn't actually mean it's true.
Basically what I want to say is this: My finances are mine, and mine alone. It shouldn't affect any services you receive, unless those services revolve around credit. Unless my auto insurance plan covers me if I can't make the payments on it, it shouldn't be affected by my credit.
The credit agencies definately have too much power. A friend of mine just had auto insurance rates go up because of credit card debt. Tell me how that affects your driving record? The same applies to the cell phone providers. Why do they need to know your credit rating to issue a phone plan? It's because they sell contracts and want paid. Reform is needed, but who will actually make it happen? The politicians are on the payroll of the companies that like the status quo.
I already have control over what I watch. CLICK (fade to black...)
Really, it's crap anyway.
"(there is nothing in Doom III worse than the violence of Tom and Jerry or Roadrunner)" ...other than those evil demons/zombies throwing fire and ripping people apart, and the blood everywhere, and the...
You get my point.
You stated this suite is an ugly mess, but I must disagree. Microsoft's reasoning for making the Office product suite so large is to assist businesses. If you don't require anything beyond a basic spreadsheet and word processor, why did you purchase MS Office? Word Perfect and Quattro Pro work fine if you want to spend money, or download one of the free substitutes. The public confuses this product as something they need, instead of as a major business productivity enhancement. MS Wordpad is fine for the Junior High book report. The public is asking for simpler because nobody is learning the new features! By using SharePoint with office, you can implement a decent document library system in minutes. I guess just look at the rest of the features and see why they charge so much for this.
:-)
My point is, if it doesn't suit your needs, don't purchase it. But please don't dog on an otherwise decent product. I do have to agree on your comment about Excel spreadsheets though
Do we need safer cars, or safer drivers? I'm convinced that if the crappy drivers get off the road, we wouldn't need safer cars to protect us!
Too many people are happy with their existing DVD players (and DVD/VCR combos), and with the price point dropping on both the players, and the recorders, most won't purchase anything else for a while. Most people have a regular television, and those that have HD are pretty happy with DVD using fiber audio, and component video. This will only affect a niche market, just like the laserdisc did.
With the economy in such a state as it is, the average USA consumer is more concerned with putting food on the table, and gasoline in the cars (SUVs).
How long did the VHS standard stay in use? Why can't this apply to DVD? With the shitty movies out there these days, why upgrade anyway. As I said, the economy will not support this. Maybe it will in 10 years; who knows.
This was sort of asked a while back. Check out http://ask.slashdot.org/article.pl?sid=06/03/22/13 20207