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It's amazing to me that not going into debt because you can pay for things isn't a good thing for your credit score.
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Aug 2, 2018 04:39
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bob dobbs is dead posted:fico score is not fitted and is not fitted online oh yeah, its 100% a bullshit rules engine formula that some dudes at fair isaac made up where they decided stupid poo poo like that shopping around for loans was actually Bad and means you are more likely to default (even though a savcy borrower is of course going to shop around). but like any businessman, management consultant, or economist knows if you take your pre-decided conclusions and throw a bunch of fancy-looking math on top of it, suddenly it isnt just total bullshit, because now there are numbers
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Aug 2, 2018 04:40
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triple sulk posted:open a credit card for a bonus (by spending a certain amount), get the bonus, close the card You're trying too hard. The scheme I saw was "open a card with a $2000 limit, go to usmint.gov, buy 2000 $1 coins pre-rolled, deposit funds, pay bill"
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Aug 2, 2018 04:43
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Really to beat climate change you'll first need a organized state campaign of terror against liberalism. This campaign of terror will require the enslavement of those who advocate for the individual as the perfect ideal, be they of the "right" or the "left".
Crowsbeak fucked around with this message at 04:59 on Aug 2, 2018 |
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Aug 2, 2018 04:45
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Elizabeth Mills posted:You're trying too hard. The scheme I saw was "open a card with a $2000 limit, go to usmint.gov, buy 2000 $1 coins pre-rolled, deposit funds, pay bill" I can't find the write up atm but there's a good article out there about some Amex office in the midwest that all of a sudden was the #1 seller of traveler's checks in the nation. Turns out some credit card had a cashback that didn't exclude travelers checks so people were buying and cashing them like mad to profit the cashback amount.
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Aug 2, 2018 04:48
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Elizabeth Mills posted:You're trying too hard. The scheme I saw was "open a card with a $2000 limit, go to usmint.gov, buy 2000 $1 coins pre-rolled, deposit funds, pay bill" yeah i'm pretty sure they killed that off too but maybe not
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Aug 2, 2018 04:52
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Unfortunately the government killed the program where you could buy dollar coins in bulk at cost because of that. They were selling them at cost to try and get people to circulate them, but americans hate dollar coins so nobody was buying them to actually give them out as change. instead people were just getting thousands of dollars worth of coins shipped to their house then immediately depositing them at their bank, and the bank would immediately deposit them back with the fed because dollar coins are useless for a bank. so the government was spending tons of money (and burning fossil fuels) shipping heavy coins to people to facilitate a scheme where a small percentage of the credit card fees that the government was also eating went back to the customer. it was late capitalism as hell.
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Aug 2, 2018 04:59
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Stairmaster posted:https://twitter.com/dwallacewells/status/1024809275691024385 what if climate change is the great filter im sure if could be a million other things. but you know. makes u think
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Aug 2, 2018 05:00
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jimmyjams posted:what if climate change is the great filter yeah thats been clear for a while
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Aug 2, 2018 05:01
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Shear Modulus posted:Unfortunately the government killed the program where you could buy dollar coins in bulk at cost because of that. They were selling them at cost to try and get people to circulate them, but americans hate dollar coins so nobody was buying them to actually give them out as change. instead people were just getting thousands of dollars worth of coins shipped to their house then immediately depositing them at their bank, and the bank would immediately deposit them back with the fed because dollar coins are useless for a bank. so the government was spending tons of money (and burning fossil fuels) shipping heavy coins to people to facilitate a scheme where a small percentage of the credit card fees that the government was also eating went back to the customer. it was late capitalism as hell. I loving loved the golden dollar coins they were trying to push around 2000 or whatever and I'm legit sad that they never caught on. I still have a few in my coin tray at home.
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Aug 2, 2018 05:03
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jimmyjams posted:what if climate change is the great filter My problem with alot of these people is they offer no real ways of solving it. Like they say, "look the current system can't solve the problem," but never offer alternatives, I mean I now the alternative is a powerful state socialist government that destroys individualism and uses enslavement of those who refuse to change to build sea walls, and engage in construction of tree farms.
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Aug 2, 2018 05:10
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there is no solution that preserves an industrialised global society of 7 to 9 billion people at this point, socialist or otherwise
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Aug 2, 2018 05:14
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tesla loses 700 million in 3 months and their stock goes up 10% because they're going to somehow turn that around in the last 4 months of the year to sustainable profitability? what the gently caress yall
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Aug 2, 2018 05:14
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ScrubLeague posted:tesla loses 700 million in 3 months and their stock goes up 10% because they're going to somehow turn that around in the last 4 months of the year to sustainable profitability? Everybody just agreed that it needs to go up to pump the brakes on the tech crash so it did
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Aug 2, 2018 05:15
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Ayn Randi posted:there is no solution that preserves an industrialised global society of 7 to 9 billion people at this point, socialist or otherwise Of course there is. Plenty that can be done, it's jsut that neither capitalism or individualism can survive. Which I think most of the alarmists here secretly are not willing to give uup. The alarmists would rather extinction then the extermination of the two cancers that infect humanity.
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Aug 2, 2018 05:16
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ScrubLeague posted:tesla loses 700 million in 3 months and their stock goes up 10% because they're going to somehow turn that around in the last 4 months of the year to sustainable profitability? its crazy, this is literally the first time ever that the financial markets stupidly overvalued a dogshit security
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Aug 2, 2018 05:17
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every day i am more convinced that i need to buy tesla puts and every day the market is like lmao this will always work
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Aug 2, 2018 05:17
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Jedi Knight Luigi posted:Isn’t there a penalty to your credit score if you check it too much? soft pull vs hard pull
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Aug 2, 2018 05:20
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Ayn Randi posted:there is no solution that preserves an industrialised global society of 7 to 9 billion people at this point, socialist or otherwise people called me malthusian for pointing out that we're severely overpopulated
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Aug 2, 2018 05:20
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Shear Modulus posted:oh yeah, its 100% a bullshit rules engine formula that some dudes at fair isaac made up where they decided stupid poo poo like that shopping around for loans was actually Bad and means you are more likely to default (even though a savcy borrower is of course going to shop around). default is super fuckin machine learningy. if you have some waiting you have a dynamical t/f label based on cohort lessons of last decade is that feature extraction is best done by machine and, more importantly, feature determination is also best done by machine most things like that, you can juke up to a solid 0.8-0.9 f1 w/ 300k points of data, which you could gussy up real easily... but only if you fire the fuckin economists and got statisticians / machine learning peeps up in this b. most banks have gone and done this already, melting the fico in a pool of poo poo that goes into a regressor (classifier) but it would be real opaque to advertise the parameters of some proprietary dealio
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Aug 2, 2018 05:20
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ScrubLeague posted:tesla loses 700 million in 3 months and their stock goes up 10% because they're going to somehow turn that around in the last 4 months of the year to sustainable profitability? It's ok because they had to burn all of that money for the Model 3 ramp up and now that that's done they'll start making money!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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Aug 2, 2018 05:22
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dont worry life expectancy is already cratering in the US and other parts of the developed world. the population die-offs have already started lmao
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Aug 2, 2018 05:23
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Shear Modulus posted:dont worry life expectancy is already cratering in the US and other parts of the developed world. the population die-offs have already started lmao doesn't matter, unless climate crisis starts loving up populations bigly we're still projected to hit 11-12 billion by mid-century and that's going to put a dagger through any hopes of the great filter saving us. that's with taking in account that the 11 billion number is the ultimate peak before enormous advances in education/feminism/quality of life/etc brings reproduction down through the floor the absolute upper limit was something like 4 billion and the carrying capacity was roughly 2 billion and we've deeply overshot that
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Aug 2, 2018 05:25
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Crowsbeak posted:Of course there is. Plenty that can be done, it's jsut that neither capitalism or individualism can survive. Which I think most of the alarmists here secretly are not willing to give uup. The alarmists would rather extinction then the extermination of the two cancers that infect humanity. the transition to any such state while preserving a modicum of the complex technical society we've built realistically needed to begin decades ago, with the whole effort of humanity bent to it like war mobilisation. that did not happen and will continue to not happen. huge swathes of the planet are burning and drowning and mass populations being displaced already, right now, we are already out of time. and the nebulously undefined but undeniably gargantuan transition effort remains not only unstarted but inconceivable to most beyond mouthing greenwashed-consumption promises. geological lag and feedback effects would be ruining our poo poo for decades to come even if the marx fairy visied everyone tonight and we all raised the barricades tomorrow. we are deeply, dankly hosed, lol it up and drink yourself to death imo.
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Aug 2, 2018 05:25
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socialism doesn't (inherently) do jack poo poo about addressing or mitigating the resource/heat crisis, it just redistributes the benefits to everyone instead of three thousand people
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Aug 2, 2018 05:28
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Ayn Randi posted:the transition to any such state while preserving a modicum of the complex technical society we've built realistically needed to begin decades ago, with the whole effort of humanity bent to it like war mobilisation. that did not happen and will continue to not happen. huge swathes of the planet are burning and drowning and mass populations being displaced already, right now, we are already out of time. and the nebulously undefined but undeniably gargantuan transition effort remains not only unstarted but inconceivable to most beyond mouthing greenwashed-consumption promises. geological lag and feedback effects would be ruining our poo poo for decades to come even if the marx fairy visied everyone tonight and we all raised the barricades tomorrow. we are deeply, dankly hosed, lol it up and drink yourself to death imo. You know if you're that convinced everyone is going to die, why are you posting or doing anything for that matter? Also the mention of marx fairy reveals that you're a defender of capitalism so you proved my point. The truth is that Malthusians are enemies of the left and always have been. Any good leftwing movement should seek to use whatever means neceserry to silence them as they are a threat to the general order and either willing allies or in fact dupes of capital.
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Aug 2, 2018 05:31
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SKULL.GIF posted:socialism doesn't (inherently) do jack poo poo about addressing or mitigating the resource/heat crisis, it just redistributes the benefits to everyone instead of three thousand people generally speaking socialism implies democracy, and the greater population that would be making democratic decisions wants to not die of global warming
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Aug 2, 2018 05:31
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SKULL.GIF posted:socialism doesn't (inherently) do jack poo poo about addressing or mitigating the resource/heat crisis, it just redistributes the benefits to everyone instead of three thousand people That's bs! Socialism is democratic and the populace doesn't want to see the world become much less habitable unlike the oligarchs. OInce again Malthusians are inherently the enemies of a movement of the left. Really happy the one malthusian who came to twin ports dsa meetings got shown the door.
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Aug 2, 2018 05:33
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democracy inherently tends to favor immediacy over long-term issues
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Aug 2, 2018 05:37
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news and reporting on the climate crisis is enormously loving unpopular and I struggle to see a scenario where under a socialist societal directive it actually would be embraced as an issue that society should be solving
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Aug 2, 2018 05:38
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Crowsbeak posted:You know if you're that convinced everyone is going to die, why are you posting or doing anything for that matter? Also the mention of marx fairy reveals that you're a defender of capitalism so you proved my point. The truth is that Malthusians are enemies of the left and always have been. Any good leftwing movement should seek to use whatever means neceserry to silence them as they are a threat to the general order and either willing allies or in fact dupes of capital. lmao im an lf full communism now not a "defender of capitalism", idiot. im just not pretending that the distribution of things is our ultimate problem or that socialism despite being a demonstrably superior, saner and more humane relationship to production somehow makes the carrying capacity of the earth for populations of large mammals more than it is. you could evenly divide the worlds resources to every man woman and child and it would have zero impact on the fact that the rate of extracting is rapidly closing in on double what the earth can sustainably provide
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Aug 2, 2018 05:39
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bob dobbs is dead posted:default is super fuckin machine learningy. if you have some waiting you have a dynamical t/f label based on cohort y...you don't say
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Aug 2, 2018 05:40
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SKULL.GIF posted:democracy inherently tends to favor immediacy over long-term issues Ayn Randi posted:lmao im an lf full communism now not a "defender of capitalism", idiot. im just not pretending that the distribution of things is our ultimate problem or that socialism despite being a demonstrably superior, saner and more humane relationship to production somehow makes the carrying capacity of the earth for populations of large mammals more than it is. you could evenly divide the worlds resources to every man woman and child and it would have zero impact on the fact that the rate of extracting is rapidly closing in on double what the earth can sustainably provide Ah, once again why post? I mean if your energy use is apparently more then what the earth can use why are you on here? If this is your legit belief. Which I doubt as inherently Malthusians have little actual care for their fellow human beings. I mean it;s obvious you think so little of humanity. Crowsbeak fucked around with this message at 05:42 on Aug 2, 2018 |
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Aug 2, 2018 05:40
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SKULL.GIF posted:news and reporting on the climate crisis is enormously loving unpopular and I struggle to see a scenario where under a socialist societal directive it actually would be embraced as an issue that society should be solving a big part of the reason the mainstream media doesn't report on climate change is because most of it is owned by ultra wealthy people who make money off of loving up the planet
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Aug 2, 2018 05:41
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SKULL.GIF posted:news and reporting on the climate crisis is enormously loving unpopular and I struggle to see a scenario where under a socialist societal directive it actually would be embraced as an issue that society should be solving Oh lol, can't consider the media is funded by capitalist oligarchs who don't want people concerned about the climate crisis. But then as I have said, inherently Malthusians are wedded to both capitalism and individualism.
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Aug 2, 2018 05:45
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alsothere posted:a big part of the reason the mainstream media doesn't report on climate change is because most of it is owned by ultra wealthy people who make money off of loving up the planet precisely, and I don't see that the alternative, that "you have to stop eating meat and stop using air conditioning because there's 10 billion other people who would do it if you did it" to be convincing or compelling for most of the billions who occupy this planet face the facts, we made too loving many people right at the exact moment we saw a huge and rapid upshot in living standards. one of the biggest push towards addressing the climate crisis among the people who actually know this poo poo is project drawdown which has as one of its many primary goals spreading feminism, education, and access to birth control to try to dramatically reduce our rate of reproduction
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Aug 2, 2018 05:46
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people gonna die w/r/t climate change. thats all there is to it. how many people die and if humanity actually survives are the only real questions.
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Aug 2, 2018 05:47
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Crowsbeak posted:Oh lol. Remember what I said about malthusians being enemies? is malthusians your word of the day calendar entry or what? moreover how does "well if not the glorious peoples utopia forever then why do you even bother to live???" a) make any loving sense in its own right since my reason for living extends beyond the coming of an ideological promised land or b) address what i actually posted which is that the earths resources, not least of which include energy, fresh water and arable land, are being extracted at an already vastly unsustainable and ever growing pace that is unaffected in sum by the equity or inequity of distribution
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Aug 2, 2018 05:48
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humanity will probably survive barring global nuclear war its more like what "civilization" will look like when the dust settles
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Aug 2, 2018 05:48
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Ayn Randi posted:there is no solution that preserves an industrialised global society of 7 to 9 billion people at this point, socialist or otherwise We're the civilizational equivalent of a splurge.
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Aug 2, 2018 05:48
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