rip lemm.ee :( ---> Evil_Shrubbery@lemmy.zip
verb (used with object)
fragged, fragging
to kill, wound, or assault (especially an unpopular or overzealous superior) with a fragmentation grenade.
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Example Sentences
QuakeCon has arrived just in time to frag your wallet.
From The Verge
So nice of her to include a comprehensive disclaimer list, much appreciated.
Lucy A. Snyder is a five-time Bram Stoker Award-winning writer and the author of the forthcoming Tor Nightfire novel Sister, Maiden, Monster. She also wrote the novels Spellbent, Shotgun Sorceress, and Switchblade Goddess, the nonfiction book Shooting Yourself in the Head For Fun and Profit: A Writer's Survival Guide, the poetry collections Exposed Nerves and Chimeric Machines and the story collections Halloween Season, Garden of Eldritch Delights, While the Black Stars Burn, Soft Apocalypses, Orchid Carousals, Sparks and Shadows, and Installing Linux on a Dead Badger.
(Between all the Bram Stokers, the badger, & 'Lucy A. Snyder frequently escaped into Clive Barker's worlds when she was in darkest academia pursuing her MA in journalism' you prob know how she writes.)
Ok, great find, we can simply switch the caps & solve the problem. (The corps will do that, right??)
But I wander with such tests ... could there be any significant detection issues?
Did they have the proper equipment and processes? A methodological limitation to particle size maybe? Coz some researches find higher concentrations than 100.
Sorry, that wasn't clear, the system is really alien to me.
But there are numerous reports from USA that paying of a loan early can hurt your credit score. Which is def bad & counterintuitive.
The whole system is at best like a loyally card.
You guys have hobbies?
Idk, a mid tier graphics card? 3 months of food? 2 months of marina? A nice short trip/vacation (a couple of days, maybe a week)? Rear tires coz I like them fast? A lot of planters and automatic watering systems? A notable addition to my home lab?
I should get a life.
- JumpDeleted
Permanently Deleted
(I know it's silly, but the title of the next post made me chuckle - that's is def how people will think of this & not why do we even still depend on oil.)
Yes, basically this.
And when you have an industry surrounding it (specialised companies that do only this & fund lobbies) the system just becomes a perpetual business for the sake of it, can't get rid of it.
Like filling for taxes in USA (or did that just recertify change?).
Or private prisons.
Too much profit incentive & too many people involved to allow it to be dismantled once it became obvious the product doesn't work/it doesn't give any added value.
But still not true. The correlation is low, the system just feeds itself.
wiki/Criticism_of_credit_scoring_systems_in_the_United_States
The scoring system has also been critiqued as a form of classification to shape an individual's life-chances—a form of economic inequality. Since the 1980s, neoliberal economic policy has created a correlation between the expansion of credit and a decline in social welfare—deregulation incentivizes financing for the consumption of goods and services that the welfare state would alternatively provide. Credit scoring systems are seen as scheme to segregate individuals creditworthiness necessitated by the loss of these collective social services. The credit scoring system in the United States has been compared to, and was the inspiration for, the Social Credit System in China.
Lenders don't guess, there are strict rules that FED oversees.
Your probability of repaying your loan is depending on your wage & on collateral.
You can't prove you will repay your debts in the future. You might lose the income you depend on & some new guy that just got a job might have it for 40 years. How easy will you get another job also depend on factors that the credit score doesn't include.
Ngl & sorry but that sounds indoctrinated af.
7~10 years on a car is predatory & shouldn't even be allowed. You overpaid half the car.
Difference between high & low(er) interest rates is access to credit & purchasing power. It determines what/where or even if you can buy a house. There are even USA pop culture reference to not having a good enough score so they don't get a loan.
And y'all interest rates are still high, regardless of the score.
Forced use credit cards takes away money from the stores & you get almost nothing in return (you should get money back, not some weird promise on loan rates that saves you money only bcs of ridiculous rates & long borrowing). And repaying credit card (interest or not) has 0 relation to repaying a 10+ year mortgage. It's just bs to get the banks (and Visa/MC) obscene amounts of free revenue/profit & they don't have to do anything in return. Just think of how much money have "you" given the bank if 3% of all your purchases went to them. It's not that you directly lost that (tho through general inflation & stores overcharging you to cover what goes to the bank you have), but didn't get anything for selling/promoting their product either.
Different counties over the world use different systems, but most don't allow centralised private databases (tho some big ones still use it) that lenders can just access personal data on citizens (and all of them have problems). Some countries have defaults or unpaid taxes accessible to lenders (via gov agencies/portals, not private firms).
Tho the best systems are just every lender for themselves & on data you provide them - statistics show how rare defaults are & how they don't really affect any lenders (except in a macroeconomic crisis, where eg the underlying real estate losses value).
And statistics also show that the prob of default are basically just related to wages (how much money is left to the borrower each month overall) & collateral. That's is what central banks put restrictions on to govern monetary policy (besides overnight rates & gov debt ofc) & banking sector stability.
And in terms of eg mortgages - credit score is useless, you have real estate value that more than covers the lean & just about any borrower would have a lot more problems & to lose in event of default so they already try to avoid it as much as they can.
Credit scores don't lower bank insolvency rates, at most they help with the profit, but most importantly they arent really relevant to a lenders core business success.
The decoration works!
(My walls are also lettered with old tech, one day it will serve the resistance!)
Millennials last 'fuck you' by the universe - longevity.
Also if you repay your loan early is somehow bad for your credit score.
If you change your bank to go to a cheaper one alters your score (creating sticky monopolies).
makes prefect sense
To scam citizens out of yields while minimising the chance of nonperforming loans?
The rest of the world puts citizens first. The banks are the professionals with all the data & capital. They get to multiplicate money (give loans without backing) and get to charge relatively big interests on those loans (interes rates (spreads over risk-free) tnot indicative of/to cover the expenses of defaults, which are very rare overall, or their own operating costs).
The money multiplication thing comes from the state (central bank), and it exists to allow people to live & to perpetually stimulate the economy (eg getting a house earlier than saving up the lump sum to buy it whole). The banks job is to balance things out & offer competitive loans in terms of profits vs probability of defaults. Without that it's just free money for the banks. Like insurance business only selling policies to people/entities that won't ever need them.
So your credit worthiness is equal to the amount of money (3% fee of each purchase?) you make for the bank that would otherwise go to the seller (or stay in your bank account if it's charged to the customer & not the store, but that is afaik rare, maybe not existent anymore).
So free monies you make for the bank = some potential loan possibility in the future. Scammy af. But this exists all over the world (packaged as cashbacks that you regularly receive, eg 0.5% of everything you spend, not affecting your loans).
And the problem isn't in screening/forced security.