If your goal is to develop a website, then use what you know: PHP.
If your goal is to learn a new web stack, then choose one that you will give you the most value for learning. Perhaps you want to use it professionally. Perhaps you want to use it for more websites. There are perhaps a dozen decent choices, but only you know which one might give you the most use.
If you wanted to post some requirements, I'm sure you could get some helpful answers. But with no requirements, this is the best that anybody will be able to tell you.
Losing that pretense might be a good thing; sometimes we need a rude awakening. The myth that each person has a 'social security savings account' somewhere has led to a lot of bad decisions. For better or worse, social security is an entitlement program, paid for out of current taxation and borrowing.
Everybody knows that it's a pay-as-you-go system. People don't believe that they have an "account" in the "bank account" sense of the word. But the idea is that you contribute to it now, and you take from it when you're an old fogie. It's more like a pension than a brokerage account.
Problem is that now the government is saying you don't really have to contribute at the full level to get full benefits. I think this sets a terrible precedent. All of us who are paying at this lower rate should have our benefits reduced as a result. Again, not itching to get dinged when I retire, but people need to understand that there are costs to profligacy.
I would add hydrocodone (vicodin) to that list of worthless crap that gets prescribed way too often.
That's interesting.
My wife has cancer, so she has all kinds of pain management drugs. When she had a surgery done, she was prescribed hydrocodone to deal with the pain of that, and she found it to be effective. She certainly could have taken something much stronger had it not worked (Dilauded, etc.)
Unless a program's tax table data structure isn't sufficiently fine-grained to deal with multiple tax tables that apply to different parts of a single year.
I can't speak for all payroll software packages, but QuickBooks can definitely handle this. All rates are specified with arbitrary effective dates. I'd be shocked if any payroll system could not handle mid-year changes. Stuff changes mid-year all the time.
I would be shocked if any payroll software did anything other than arbitrary date ranges. There is just no way to predict what type of harebrained cockamamie scheme our legislature might devise.
I use QuickBooks for my business, and I can tell you that everything from tax tables to IRS mileage reimbursement rates to unemployment insurance rates are all specified as arbitrary effective dates.
Attention! We need you, all you COBOL programmers!.
Heheh. But seriously, payroll software is designed to handle arbitrary changes in the tax rates. A simple update of tax tables is all that would be required to deal with this. Assuming your employer's trusty accountant remembers to do it.
I really wish that they would not extend the payroll tax cut. Not that I'm itching to pay more taxes or anything, but are we giving up all pretense that Social Security is an earned benefit?
Many things that you wouldn't expect to influence credit default rates have some correlation, e.g. browser choice. This doesn't mean that browsing using Firefox causes defaults on loans, rather that the kind of person who chooses Firefox is more likely to default. Likewise a person who is friends with a deadbeat is (apparently) more likely to default.
Hmm. I know some folks who work for COAF, and it would be interesting to hear whether or not they actually price products based on browser type. My initial suspicion is that there is no way they are pricing based on browser type, especially not pricing one browser 52% higher than another. I am extremely skeptical of this.
Anyway, I am a landlord, and I make credit decisions all the time. I find the credit file (not score, I ignore the score) is the best predictor of future payment performance, and I find the kids' report cards/attendance records to be the best predictor of future damage to the unit. If the kids aren't showing up to school, I know who's got control of the house. I am not interested in an applicant's social media presence.
Waiting to hear back on the COF article... Oh well, I probably won't hear back before I'm done typing here.
A person's credit report in the US also determines whether they can obtain a loan/mortgage and sometimes whether they can even rent. Hence, someone with a poor credit report may find it difficult even to find a place to live.
Well, yeah. If someone has a habit of not paying their bills, why should the bank lend them money? Why should the landlord rent to someone who won't likely pay?
The solution to credit problems is not spending money you don't have. Pay your bills on time, every time, and you will have great credit.
I have noticed this myself. Now that I have almost completely paid off my credit cards and am actually starting to save money saved my credit score has actually gotten worse.
Are you closing the credit card accounts after you pay them off? If so, then you're going to see your score drop.
Unless you have a spending problem and will start buying things that you can't afford (don't feel bad. Many people have this problem) just because you have credit line available, you should keep the accounts open. It will help your credit score.
On the other hand, if you will spend just because you have credit available, don't let the tail wag the dog. It's much worse to have a big debt than to have a lower credit score. Credit score is just a number.
The whole thing is designed so that people must have debt in order to beg the banks for more debt. It's absolutely crazy.
That's sort of true, but it's not as bad as you're making it out to be. It is one of those paradoxes like: in order to get a job, you need experience. But you can't get experience if you don't have a job.
With credit, you need to demonstrate being able to handle credit before you get loaned more money. However, you don't need to go into real debt just to show you can handle it. Having a few years of history with few credit cards that you pay off each month on time, every time, will demonstrate this just fine. If you have that, plus no other lates/chargeoffs/derogatories, your credit score will be plenty high enough to get the best interest rates on loans.
If you have no history, it can be worse than having a bad history. So yes, you do need to take out some trade lines if you want to show that you can handle credit and pay your bills on time, every time. How else are creditors going to know that you're good for the money? Just because you say so?
That's kind of hard to do, since the government wrote the law to protect credit agencies from the effects of their fuckups.
This is misleading. You have the right under the FCRA to dispute any inaccuracies on your credit file, and the CRA must remove any information that the original creditor can't verify.
I say it's misleading because the CRA isn't going to suffer from reporting false information. However, if the original creditor gives false verification, you can sue the testicles off of the original creditor.
Like it or not, everything about you on Internet (irrelevant if you put it or someone else) will be used against you.
Not likely. It's pretty obvious that random crap on the Internet is unreliable information, whereas information on your credit file is always verifiable. (Yes, always. If the debt isn't verifiable, you can have it removed. See FCRA).
Second, this would require a change to what is allowed to count against your credit score, credit rating companies cannot just arbitrarily pick random shit.
Wait, what? There's no law that says what can and can't count in a credit score. The only applicable law here is that CRAs have to stop reporting any derogatory information 7 years after last activity (10 years for bankruptcy filings).
At any rate, CRAs are in the business of trying to predict probability of default on an unsecured loan. Being facebook friends with a deadbeat (or a perfect on-time payer) couldn't possibly predict creditworthiness of the applicant. It turns out past performance is actually a great predictor, on average. If you failed to pay your bills as agreed before, you are pretty likely to do it again.
you're implying there's actually something wrong with Indians who don't speak English
Nobody is implying that a particular Indian is defective if he does not speak English. On the other hand, if the Indian that you're specifying your requirements to, in English, does not speak English very well, then the end result is going to be defective.
I was not a party to the negotiations, but what I read of the Republican proposal was that it contained $300 billion in net revenue increases (i.e. tax hikes). Anyway, it doesn't matter if the Republicans are against any tax increase on the wealthy (a position that I remain unconvinced that they hold) because they are powerless to block it. The Bush-era tax rates will expire if no action is taken, and this will result in a tax hike on the wealthy.
Anyway, my take on the Republicans' behavior is that they are not advocating against tax increases to protect the wealthy. As far as I can tell, the majority of wealthy people only care about the government's fiscal health, and they do not object to the tax hikes being proposed. I think that the reason that Republicans are demagoguing the tax increase issue is that they want to paint Democrats as big government, tax and spend, anti-growth, anti-business liberal extremists.
Perhaps it will work, perhaps it will not, but anyway, that's my estimation of what's going on.
I don't recall anyone saying that only tax increases will solve the problem..
I was paraphrasing you: "Completely taking tax increases off the table is stupid and shortsighted." My point was that tax increases are a red herring because the tax increases come nowhere near fixing the problem.
Republicans offered $0 in tax increases.
This is false, by the way. The Republican proposal contained $300 billion in new revenue (via tax expenditure caps). That's a far cry from the $2 trillion of revenue that the Democrats wanted, but I think you'll find that you're forced to admit that $300 billion > $0.
Your talking points need updating on every level.
Ummm, no. I recommend you read up before you comment any further. You risk making yourself look (ahem) less-informed than you might prefer to look.
Completely taking tax increases off the table is stupid and shortsighted.
The tax increases being proposed would not have come even close to paying for current spending levels, never mind future spending. There is no way out of this without reducing spending, and especially reducing future entitlement exposure.
The Democrats' intransigence on entitlements is more damaging than the Republicans' intransigence on tax increases, but I guess in the end, the biggest problem is intransigence on both sides. Somebody needs to slap both sides silly and remind each of them that they have got to throw a bone to the other side if they want to get anything done. Both sides were going for all-out wins, but if you leave the other side nothing to take back to their districts, you will not get their support.
As someone who is fairly right-leaning on economic issues, the way I was hoping this would work out would be for the Democrats to put their thinking caps on and look at the numbers, see that the money isn't there and never will be there, and cave on entitlement reform in exchange for the Republicans caving on tax increases because they need to give the Democrats something to hang their hats on. Instead, Democrats refused to budge on entitlements, leaving Republicans nothing to take back to their districts, and vice versa on tax increases.
So what's wrong with the different AI tools for Android (iris, EVA intern, speaktoit assistant,...)?
There is nothing wrong with them. In fact, I use voice commands all the time with my Android device. However, if you claim that any of the above are equivalent to Siri, then you have not used Siri.
Or is it impossible to observe fanboyism unless one also instantly inoculates oneself with the lame and rather Politically Correct "...of course all side have their fanboys..."
You can observe whatever you want, but don't be surprised if someone reminds you of the bigger picture when your observations contain a blind spot.
Android fanboys themselves have tried, more or less successfully, to create a narrative of respectability around their fanboy expression, mainly by using certain shibboleths, like "openness" and "freedom," to form a coded discourse with other groups
Or could it be that those words actually mean something? Can you download the source code for iOS? Can you modify it and place it on a new device and sell it (e.g. the Kindle Fire)? Can you modify iOS and install that modified version on your iDevice (e.g. CyanogenMod)?
Most objective observers would consider fanboy discourse disruptive and unacceptable public expression
Not to excuse obnoxious behavior, but if product advocacy is the most disruptive and unaccpetable expression that you've encountered on the Internet, consider yourself to be extremely fortunate.
Slashdot Mirror
If your goal is to develop a website, then use what you know: PHP.
If your goal is to learn a new web stack, then choose one that you will give you the most value for learning. Perhaps you want to use it professionally. Perhaps you want to use it for more websites. There are perhaps a dozen decent choices, but only you know which one might give you the most use.
If you wanted to post some requirements, I'm sure you could get some helpful answers. But with no requirements, this is the best that anybody will be able to tell you.
So this would allow me to pay 0% and forgo all Social Security payments in the future, right?
Personally, I would love this option, but it is unfortunately not available. If I were king of the country, I'd let you opt out. :P
Losing that pretense might be a good thing; sometimes we need a rude awakening. The myth that each person has a 'social security savings account' somewhere has led to a lot of bad decisions. For better or worse, social security is an entitlement program, paid for out of current taxation and borrowing.
Everybody knows that it's a pay-as-you-go system. People don't believe that they have an "account" in the "bank account" sense of the word. But the idea is that you contribute to it now, and you take from it when you're an old fogie. It's more like a pension than a brokerage account.
Problem is that now the government is saying you don't really have to contribute at the full level to get full benefits. I think this sets a terrible precedent. All of us who are paying at this lower rate should have our benefits reduced as a result. Again, not itching to get dinged when I retire, but people need to understand that there are costs to profligacy.
I would add hydrocodone (vicodin) to that list of worthless crap that gets prescribed way too often.
That's interesting.
My wife has cancer, so she has all kinds of pain management drugs. When she had a surgery done, she was prescribed hydrocodone to deal with the pain of that, and she found it to be effective. She certainly could have taken something much stronger had it not worked (Dilauded, etc.)
Unless a program's tax table data structure isn't sufficiently fine-grained to deal with multiple tax tables that apply to different parts of a single year.
I can't speak for all payroll software packages, but QuickBooks can definitely handle this. All rates are specified with arbitrary effective dates. I'd be shocked if any payroll system could not handle mid-year changes. Stuff changes mid-year all the time.
I would be shocked if any payroll software did anything other than arbitrary date ranges. There is just no way to predict what type of harebrained cockamamie scheme our legislature might devise.
I use QuickBooks for my business, and I can tell you that everything from tax tables to IRS mileage reimbursement rates to unemployment insurance rates are all specified as arbitrary effective dates.
Attention! We need you, all you COBOL programmers!.
Heheh. But seriously, payroll software is designed to handle arbitrary changes in the tax rates. A simple update of tax tables is all that would be required to deal with this. Assuming your employer's trusty accountant remembers to do it.
I really wish that they would not extend the payroll tax cut. Not that I'm itching to pay more taxes or anything, but are we giving up all pretense that Social Security is an earned benefit?
Many things that you wouldn't expect to influence credit default rates have some correlation, e.g. browser choice. This doesn't mean that browsing using Firefox causes defaults on loans, rather that the kind of person who chooses Firefox is more likely to default. Likewise a person who is friends with a deadbeat is (apparently) more likely to default.
Hmm. I know some folks who work for COAF, and it would be interesting to hear whether or not they actually price products based on browser type. My initial suspicion is that there is no way they are pricing based on browser type, especially not pricing one browser 52% higher than another. I am extremely skeptical of this.
Anyway, I am a landlord, and I make credit decisions all the time. I find the credit file (not score, I ignore the score) is the best predictor of future payment performance, and I find the kids' report cards/attendance records to be the best predictor of future damage to the unit. If the kids aren't showing up to school, I know who's got control of the house. I am not interested in an applicant's social media presence.
Waiting to hear back on the COF article... Oh well, I probably won't hear back before I'm done typing here.
It's an old photographer's trick to keep gear in a diaper bag. Nobody wants to go near that (literal) shit.
A person's credit report in the US also determines whether they can obtain a loan/mortgage and sometimes whether they can even rent. Hence, someone with a poor credit report may find it difficult even to find a place to live.
Well, yeah. If someone has a habit of not paying their bills, why should the bank lend them money? Why should the landlord rent to someone who won't likely pay?
The solution to credit problems is not spending money you don't have. Pay your bills on time, every time, and you will have great credit.
I have noticed this myself. Now that I have almost completely paid off my credit cards and am actually starting to save money saved my credit score has actually gotten worse.
Are you closing the credit card accounts after you pay them off? If so, then you're going to see your score drop.
Unless you have a spending problem and will start buying things that you can't afford (don't feel bad. Many people have this problem) just because you have credit line available, you should keep the accounts open. It will help your credit score.
On the other hand, if you will spend just because you have credit available, don't let the tail wag the dog. It's much worse to have a big debt than to have a lower credit score. Credit score is just a number.
The whole thing is designed so that people must have debt in order to beg the banks for more debt. It's absolutely crazy.
That's sort of true, but it's not as bad as you're making it out to be. It is one of those paradoxes like: in order to get a job, you need experience. But you can't get experience if you don't have a job.
With credit, you need to demonstrate being able to handle credit before you get loaned more money. However, you don't need to go into real debt just to show you can handle it. Having a few years of history with few credit cards that you pay off each month on time, every time, will demonstrate this just fine. If you have that, plus no other lates/chargeoffs/derogatories, your credit score will be plenty high enough to get the best interest rates on loans.
If you have no history, it can be worse than having a bad history. So yes, you do need to take out some trade lines if you want to show that you can handle credit and pay your bills on time, every time. How else are creditors going to know that you're good for the money? Just because you say so?
That's kind of hard to do, since the government wrote the law to protect credit agencies from the effects of their fuckups.
This is misleading. You have the right under the FCRA to dispute any inaccuracies on your credit file, and the CRA must remove any information that the original creditor can't verify.
I say it's misleading because the CRA isn't going to suffer from reporting false information. However, if the original creditor gives false verification, you can sue the testicles off of the original creditor.
Like it or not, everything about you on Internet (irrelevant if you put it or someone else) will be used against you.
Not likely. It's pretty obvious that random crap on the Internet is unreliable information, whereas information on your credit file is always verifiable. (Yes, always. If the debt isn't verifiable, you can have it removed. See FCRA).
Second, this would require a change to what is allowed to count against your credit score, credit rating companies cannot just arbitrarily pick random shit.
Wait, what? There's no law that says what can and can't count in a credit score. The only applicable law here is that CRAs have to stop reporting any derogatory information 7 years after last activity (10 years for bankruptcy filings).
At any rate, CRAs are in the business of trying to predict probability of default on an unsecured loan. Being facebook friends with a deadbeat (or a perfect on-time payer) couldn't possibly predict creditworthiness of the applicant. It turns out past performance is actually a great predictor, on average. If you failed to pay your bills as agreed before, you are pretty likely to do it again.
Transfer in is currently free as a promotion, but yeah transfer out is pricey.
For what it's worth, I don't think free inbound transfer is a promotion. If it is, it sure isn't presented that way on their pricing page.
Obviously that doesn't change the fact that outbound transfer is on the expensive side.
you're implying there's actually something wrong with Indians who don't speak English
Nobody is implying that a particular Indian is defective if he does not speak English. On the other hand, if the Indian that you're specifying your requirements to, in English, does not speak English very well, then the end result is going to be defective.
I was not a party to the negotiations, but what I read of the Republican proposal was that it contained $300 billion in net revenue increases (i.e. tax hikes). Anyway, it doesn't matter if the Republicans are against any tax increase on the wealthy (a position that I remain unconvinced that they hold) because they are powerless to block it. The Bush-era tax rates will expire if no action is taken, and this will result in a tax hike on the wealthy.
Anyway, my take on the Republicans' behavior is that they are not advocating against tax increases to protect the wealthy. As far as I can tell, the majority of wealthy people only care about the government's fiscal health, and they do not object to the tax hikes being proposed. I think that the reason that Republicans are demagoguing the tax increase issue is that they want to paint Democrats as big government, tax and spend, anti-growth, anti-business liberal extremists.
Perhaps it will work, perhaps it will not, but anyway, that's my estimation of what's going on.
Nobody took tax increases off the table. Not Democrats, not Republicans.
Why are you even still trying to talk with your foot in your mouth? It sounds funny.
I don't recall anyone saying that only tax increases will solve the problem. .
I was paraphrasing you: "Completely taking tax increases off the table is stupid and shortsighted." My point was that tax increases are a red herring because the tax increases come nowhere near fixing the problem.
Republicans offered $0 in tax increases.
This is false, by the way. The Republican proposal contained $300 billion in new revenue (via tax expenditure caps). That's a far cry from the $2 trillion of revenue that the Democrats wanted, but I think you'll find that you're forced to admit that $300 billion > $0.
Your talking points need updating on every level.
Ummm, no. I recommend you read up before you comment any further. You risk making yourself look (ahem) less-informed than you might prefer to look.
And you really think Democrats were ever going to do entitlement reform?
Plenty of intransigence to go around here.
Completely taking tax increases off the table is stupid and shortsighted.
The tax increases being proposed would not have come even close to paying for current spending levels, never mind future spending. There is no way out of this without reducing spending, and especially reducing future entitlement exposure.
The Democrats' intransigence on entitlements is more damaging than the Republicans' intransigence on tax increases, but I guess in the end, the biggest problem is intransigence on both sides. Somebody needs to slap both sides silly and remind each of them that they have got to throw a bone to the other side if they want to get anything done. Both sides were going for all-out wins, but if you leave the other side nothing to take back to their districts, you will not get their support.
As someone who is fairly right-leaning on economic issues, the way I was hoping this would work out would be for the Democrats to put their thinking caps on and look at the numbers, see that the money isn't there and never will be there, and cave on entitlement reform in exchange for the Republicans caving on tax increases because they need to give the Democrats something to hang their hats on. Instead, Democrats refused to budge on entitlements, leaving Republicans nothing to take back to their districts, and vice versa on tax increases.
So what's wrong with the different AI tools for Android (iris, EVA intern, speaktoit assistant, ...)?
There is nothing wrong with them. In fact, I use voice commands all the time with my Android device. However, if you claim that any of the above are equivalent to Siri, then you have not used Siri.
Or is it impossible to observe fanboyism unless one also instantly inoculates oneself with the lame and rather Politically Correct "...of course all side have their fanboys..."
You can observe whatever you want, but don't be surprised if someone reminds you of the bigger picture when your observations contain a blind spot.
Android fanboys themselves have tried, more or less successfully, to create a narrative of respectability around their fanboy expression, mainly by using certain shibboleths, like "openness" and "freedom," to form a coded discourse with other groups
Or could it be that those words actually mean something? Can you download the source code for iOS? Can you modify it and place it on a new device and sell it (e.g. the Kindle Fire)? Can you modify iOS and install that modified version on your iDevice (e.g. CyanogenMod)?
Most objective observers would consider fanboy discourse disruptive and unacceptable public expression
Not to excuse obnoxious behavior, but if product advocacy is the most disruptive and unaccpetable expression that you've encountered on the Internet, consider yourself to be extremely fortunate.