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sebzilla posted:I don't really understand why you'd use a credit card instead of a debit card ever The Starbucks one costs $49/year with 17.74-24.74% interest based on your credit. "But it's such a good deal because if you spend $500 within the first month you get a bunch of free drinks"
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Aug 24, 2018 15:23
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tino posted:Do you know there is a little cottage industry that the sellers bribe US buyers with free or almost free products so they can leave positive reviews. Sometimes you don't even have to leave a review, just buying the no name poo poo (that's much cheaper on aliexpress if you don't mind wait a month) and it will bump its ranking on the Amazon search result. That's not exactly a secret or a cottage industry, Amazon themselves run the program that sends free stuff to people in exchange for reviews because apparently even a product with 1 star out of 5 sells markedly better than a product with no reviews.
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Aug 24, 2018 15:30
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Dave Concepcion posted:I knew your cellphone and internet plans were rape central, but I had no idea american consumer banking was this loving horrible Every time I think I've heard all of America's gross exploitations of the lower classes they manage to surprise me with something new.
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Aug 24, 2018 15:36
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My bank gives me £1.50 a month if I use my debit card lol
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Aug 24, 2018 15:43
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Calico Heart posted:lol I guess ousting and executing the leaders of several sovereign nations and replacing their elected-leaders with puppet rulers and even attempting direct invasion is a "culture war" that is acceptable. No, the CIA literally pushed "degenerate art" and poo poo like jazz on the Soviets to destroy their culture.  ulex minor posted:Well it's inconvenient to prosecute people if you want to use their data Important data like "deliberately being subjected to frostbite really loving sucks", "people die when you vivisect them without anaesthesia" and "being tied to a post and exploded is also bad".
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Aug 24, 2018 15:45
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SplitSoul posted:No, the CIA literally pushed "degenerate art" and poo poo like jazz on the Soviets to destroy their culture. Yeah we apparently dumped a lot of money into weird west german art so it could get as weird as possible and show how great capitalism is for self-expression
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Aug 24, 2018 15:49
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Whenever poo poo like that comes up I’m always open to the idea that, okay, as long as the experiments have already been carried out the data might be useful, but then you read about the experiments themselves and it’s like the human centipede movies The frostbite experiments, I think, actually are valuable though because they tried out different ways of bringing people back from the absolute brink of freezing to death, but iirc the other experiments were just pointless cruelties and the frostbite thing is kind of a stopped clock situation
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Aug 24, 2018 15:50
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Pirate Radar posted:Whenever poo poo like that comes up I’m always open to the idea that, okay, as long as the experiments have already been carried out the data might be useful, but then you read about the experiments themselves and it’s like the human centipede movies I mean, Germany in the forties had a certain pressing interest in keeping its people from dying of frostbite.
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Aug 24, 2018 16:02
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Pirate Radar posted:Whenever poo poo like that comes up I’m always open to the idea that, okay, as long as the experiments have already been carried out the data might be useful, but then you read about the experiments themselves and it’s like the human centipede movies It's hosed that the US government gives immunity to the people who already did the experiments Why wouldn't they just take the data and then execute the guy once you are done getting the data? Like Shiro Ishii the guy who experimented on Chinese people they didn't even bring him to the US, allegedly he stayed in Japan according to some sources or was taken to Maryland to assist with bioweapons but wikipedia is not clear on what happened. As much as the US puffs itself up to be the nation that "fights evil", they literally had an opportunity to take out an evil person but they didn't and in fact used their work to further their own bioweapons
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Aug 24, 2018 16:06
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Maybe the massive imperial center of the 21st century doesn't have mundane poo poo like 'justice' in its list of priorities
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Aug 24, 2018 16:10
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Former DILF posted:get a credit union Credit Unions are good as heck praxis. Absolutely everyone should get on them and let the big banks die off.
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Aug 24, 2018 16:13
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Pirate Radar posted:Whenever poo poo like that comes up I’m always open to the idea that, okay, as long as the experiments have already been carried out the data might be useful I tend to view it the same as the fruit of the poison tree in the legal system, if you got that information through criminal means the information is automatically invalid.
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Aug 24, 2018 16:14
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Bodyholes posted:Credit Unions are good as heck praxis. Absolutely everyone should get on them and let the big banks die off. I'm still looking for the mythical good credit union, I've got accounts at two (I like dividing my accounts into spending money / living money so it's easier to not piss away all my money) and one of them has worse fees than my old bank account and the other one gives me savings interest of a whole 0.2%  The only thing good I have to say about them is that I have a credit card with not-terrible interest, but I also got that credit card a long time after the other ones I've got, once my credit was much more established, so I'm not even sure if that's a fluke or what. I mean I still think everyone should use credit unions if only because the structure is fundamentally less horrible to society but yeah I'm not sure where these magic unions are with high interest and rewards and third party ATM fee refunding or w/e
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Aug 24, 2018 16:18
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SplitSoul posted:No, the CIA literally pushed "degenerate art" and poo poo like jazz on the Soviets to destroy their culture. The book Unit 731 Testimony is a good overview of the heinous poo poo they did to Chinese civilians during the war. I don't think your examples are even the worst things they did. It should be surprising they weren't all executed post-war but nothing matters or has ever mattered so of course they weren't.
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Aug 24, 2018 16:18
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Fried Watermelon posted:As much as the US puffs itself up to be the nation that "fights evil", they literally had an opportunity to take out an evil person but they didn't and in fact used their work to further their own bioweapons Yes it's because the US doesn't 'fight evil' at all.
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Aug 24, 2018 16:28
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Aug 24, 2018 16:29
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Fried Watermelon posted:It's hosed that the US government gives immunity to the people who already did the experiments Yeah, on this point I also agree--like, why not just take the data and then execute them anyway
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Aug 24, 2018 16:34
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Pirate Radar posted:Yeah, on this point I also agree--like, why not just take the data and then execute them anyway Maybe because you philosophically think there's nothing wrong with sacrificing untermensch for progress.
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Aug 24, 2018 16:40
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capitalism has an exceedingly poor grasp of English What even is that
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Aug 24, 2018 16:48
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https://twitter.com/Choplogik/status/1032739698274230272
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Aug 24, 2018 16:55
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ate all the Oreos posted:I'm still looking for the mythical good credit union, I've got accounts at two (I like dividing my accounts into spending money / living money so it's easier to not piss away all my money) and one of them has worse fees than my old bank account and the other one gives me savings interest of a whole 0.2% I guess your state sucks? I've got 1.75% interest at NCSECU, and there are account options that go higher. The only catch is you have to work for the state or be related to someone who does to open an account. Fortunately, UNC is the largest employer in the state so everyone here basically works for it or knows someone that does.
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Aug 24, 2018 16:56
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Pirate Radar posted:Yeah, on this point I also agree--like, why not just take the data and then execute them anyway In Von Braun's case he came over with plans and examples of how he wanted to take rocket tech and make it bigger and better than the V2, I assume the bioweapons scientists also had a bunch of similar ideas the US wanted to see borne out. It makes sense if your goal is "make the worst weapons you possibly can, as fast as you possibly can, by any means necessary"
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Aug 24, 2018 16:58
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Bodyholes posted:I guess your state sucks? Yeah I guess I know a few "members only" credit unions that don't seem terrible, my parents are members of a small one that seems alright and that originally only allowed space center employees (but now allows everyone) and I got my first dinky little bank account there as a kid, but as far as I know there's none around where I live now that I can join 
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Aug 24, 2018 17:01
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ulex minor posted:Maybe because you philosophically think there's nothing wrong with sacrificing untermensch for progress. This is what, I mean, it probably was--the Americans calling the shots about what happened to the 731 guys were just like "well it was only some Chinese dudes who died anyway". ate all the Oreos posted:In Von Braun's case he came over with plans and examples of how he wanted to take rocket tech and make it bigger and better than the V2, I assume the bioweapons scientists also had a bunch of similar ideas the US wanted to see borne out. It makes sense if your goal is "make the worst weapons you possibly can, as fast as you possibly can, by any means necessary" "Once the rockets are up, who cares where they come down? That's not my department, says Wernher von Braun..."
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Aug 24, 2018 17:28
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ate all the Oreos posted:Yeah I guess I know a few "members only" credit unions that don't seem terrible, my parents are members of a small one that seems alright and that originally only allowed space center employees (but now allows everyone) and I got my first dinky little bank account there as a kid, but as far as I know there's none around where I live now that I can join How often do you need to go to an actual bank branch?
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Aug 24, 2018 17:28
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tino posted:Get your signup bonus and move on to the next credit card while the banks use the same hook to prey unsuspected suckers into debt is the pinnacle of modern capitalism. That's what I've done with airline mile sign-up bonuses. Used it for several free business class flights to Europe.
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Aug 24, 2018 18:05
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Senor Dog posted:How often do you need to go to an actual bank branch? Like monthly, to get quarters for the laundry machines at my apartment complex? The main reason I closed that account though wasn't because I moved away, it was because their online banking system was made in like 1998 and hadn't been updated for decades, it was shockingly bad even by lovely online banking website standards. I've never seen one as bad as that, I really hope they've updated it since then because geez...
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Aug 24, 2018 18:25
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actionjackson posted:That's what I've done with airline mile sign-up bonuses. Used it for several free business class flights to Europe. I do the frugal things and trade AA/milage points to gas cards on points.com. I rode on business class once with "free" cc points, honestly was not impressed.
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Aug 24, 2018 18:29
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caedwalla posted:The book Unit 731 Testimony is a good overview of the heinous poo poo they did to Chinese civilians during the war. I don't think your examples are even the worst things they did. I should clarify, I'm using those examples as things that could be said to have some limited military value if you're already a monster. The rest is some hosed up Marquis de Sade poo poo. Even though the Soviets wanted them prosecuted, the few scientists they themselves captured were given relatively lenient sentences, considering that they had also experimented on Soviet civilians and POWs, and all but one who seppuku'd in prison were released by the '50s. Nuremberg trials were mostly symbolic, tens and tens of thousands of people who actively participated in industrial genocide didn't suffer a single meaningful consequence from their actions. That dude I mentioned that the RAF executed? quote:After his death Schleyer has been extensively honoured in Germany; the Hanns Martin Schleyer Prize, the Hanns Martin Schleyer Foundation and the Hanns-Martin-Schleyer-Halle are named in his honour. In 2017 German President Frank-Walter Steinmeier and the German government marked the 40th anniversary of the kidnapping. quote:After World War II, the Allies held Schleyer as a prisoner of war for three years because of his membership as an Untersturmführer in the SS. In his denazification proceeding, Schleyer falsely understated his rank so as to reduce his prospective punishment. He was repatriated in 1948. In 1949 he became secretary of the chamber of commerce of Baden-Baden. In 1951 Schleyer joined Daimler-Benz, and, with help from a mentor, Fritz Könecke, eventually became a member of the board of directors. At the end of the 1960s, he was almost appointed chairman of the board, but lost the position to Joachim Zahn. Successively, Schleyer became more involved in employers' associations, and was a leader in employer and industry associations. He was simultaneously president of the Confederation of German Employers' Associations (BDA) and the Federation of German Industries (BDI). ate all the Oreos posted:In Von Braun's case he came over with plans and examples of how he wanted to take rocket tech and make it bigger and better than the V2, I assume the bioweapons scientists also had a bunch of similar ideas the US wanted to see borne out. It makes sense if your goal is "make the worst weapons you possibly can, as fast as you possibly can, by any means necessary" Yeah, they also had lots of data on bubonic plague bombs and poo poo. Some of their findings were even published in peer-review journals disguised as monkey experiments.
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Aug 24, 2018 18:33
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tino posted:I do the frugal things and trade AA/milage points to gas cards on points.com. You were flying domestically within the US weren't you? Basically the difference between business class and coach is a little more leg room and maybe 2 seats in the section instead of 3. If you really want the good seats you have to fly outside of the US.
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Aug 24, 2018 18:36
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sebzilla posted:I don't really understand why you'd use a credit card instead of a debit card ever Then you haven't lived paycheck to paycheck. Half of US households *don't have* savings and would need a credit card in case of emergency at least. Also what Europeans don't quite get: US wages have been stagnant for decades and prices continue to rise meaning Real Wages have been declining since at least the 70s. *Thus* 'easy' credit is pushed onto Americans because otherwise people can't afford to prop up consumer spending that the economy needs in order to function and everything would become a death spiral. In a very real sense, without credit making up for the lack of wages our economy would be hosed. That's why people need student loads, mortgages, auto loans, payday loans, credit cards, etc. We also don't have the usury protections that Europe has. Moridin920 has issued a correction as of 19:01 on Aug 24, 2018 |
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Aug 24, 2018 18:53
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Dave Concepcion posted:I knew your cellphone and internet plans were rape central, but I had no idea american consumer banking was this loving horrible There is not a single aspect of US society at this point that isn't "squeeze people for even more moneyyyy mooorre moneeeeyyyyyyyyy." Church, school, whatever you care to name.
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Aug 24, 2018 19:00
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Trickle down economy working as intended.
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Aug 24, 2018 19:02
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https://twitter.com/TheOnion/status/1033047652408156161
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Aug 24, 2018 19:09
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holy goddamn poo poo, The Onion 
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Aug 24, 2018 19:12
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Aug 24, 2018 19:26
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tino posted:I do the frugal things and trade AA/milage points to gas cards on points.com. You need to do international business class flights, especially on non-US carriers. I went on Austrian Airlines, where you had a 1-2-1 layout and your own chef on the plane, and then Air Canada which was similar. If you leave in the evening, you get this ridiculous dinner menu and there's also a bunch of different choices for wine, hard liquor, etc. This seat reclines 180 degrees and they give you bedding and an amenity kit.
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Aug 24, 2018 19:29
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Also breakfast owns. You can choose basically everything.
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Aug 24, 2018 19:30
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Yeah, basically the US carriers suck a fat one. There's no incentive to upgrade, and they can charge whatever they want, so you're stuck sitting on a hard rear end seat that's been in the air for 25 years because what are you going to do about it? Also, they overbook all the flights because reasons
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Aug 24, 2018 19:33
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For people who don't live in the US. Credit card companies usually start offering young people credit cards when they go to college. Also I have noticed the US credit cards have much better sign up bonus than other countries I know. For example get $100 back after you spend $500, pretty much all people with low credit score qualify for this entry level offer. The racket is the credit card industrial complex get you into the habit of spending future money as soon as you turn into an adult; and condition you into paying the monthly minimal fee on time which is how the money is made; also wrist slap you with late fees from time to time to make you a good borrower. The US dollar also has the tendency to have lower interest rate and easier to borrow than other money because it's the world currency and the US government wants more to be spent. I suspect the European countries have hasher regulation on credit card operation that's why the banks don't run that business model.
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Aug 24, 2018 19:36
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