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Cacafuego posted:You can still be an authorized user to gain the benefit of a longer credit line, but they stopped the backdating thing back in like 2015: Ah bummer, wonder why they dropped that.
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Jan 26, 2023 00:28
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AI is the future! AI is going to fight for your lawsuits! AI is smarter than lawyers! https://twitter.com/jbrowder1/status/1618265395986857984
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Jan 26, 2023 00:45
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Clearly no one could've seen that coming.
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Jan 26, 2023 01:05
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Barristers Without Meat
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Jan 26, 2023 01:13
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ultrafilter posted:Clearly no one could've seen that coming. Next step is the same guy (attempting to) put a robot lawyer in front of SCOTUS while screaming "this is the problem with woke cancel culture! I'm not giving up my free speech to...." which trails off as he's hauled away by security for trying to bring a phone into areas that prohibit electronics. notwithoutmyanus fucked around with this message at 01:20 on Jan 26, 2023 |
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Jan 26, 2023 01:17
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Guest2553 posted:Barristers Without Meat Browder Withdraws Mechanolawyer
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Jan 26, 2023 01:35
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Browder Weaponizes Malpractice: This can't possibly go wrong
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Jan 26, 2023 01:41
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Paper Tiger posted:Misread terroir as terror and honestly it still kinda worked I loved the Southern Reach Trilogy
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Jan 26, 2023 01:57
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SettingSun posted:He's a guru, so selling courses is the oeuvre. I refuse to interface with his content directly but I did put an interview on. Typical hustle culture nonsense: stop wasting your time not making money. Start ANY business like drop shipping (lmao) and if you need help buy my course on it. Take EXTREME risks for huge gains. quote:for now everyone is distracted [from freeing themselves from poverty] with Nexflix, TikTok, rascism, body positivity, with feminism and when they finally get over it, they can finally begin to fight [their poverty]. edit: pocket squares was collateral damage in my comment. I was just behooved by someone linking poverty to... body positivity? melon cat fucked around with this message at 03:00 on Jan 29, 2024 |
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Jan 26, 2023 02:57
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melon cat posted:Fuckin yuck that quote is like an incel crossbred with a snake oil salesmen. Probably wears an ultra-tightly fitted, pastel-coloured cheap suit and swaps out the pocket square thinking people won’t notice that he only has one suit Based on the video I think he wears overpriced gym clothes and good sir do not ever besmirch pocket squares which are a thing I routinely wear
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Jan 26, 2023 03:18
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I've always said body positivity is what's keeping down the masses.
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Jan 26, 2023 03:35
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notwithoutmyanus posted:Next step is the same guy (attempting to) put a robot lawyer in front of SCOTUS while screaming "this is the problem with woke cancel culture! I'm not giving up my free speech to...." which trails off as he's hauled away by security for trying to bring a phone into areas that prohibit electronics. At least one state legislature has a law that every bill must be read out loud in it's entirety on the floor before it can be voted on. Some bills are hundreds of pages long and of course, extremely dry reading. These legislatures fulfill the out loud reading part by having a text to speech program read the bill out loud, at high speed. They may also have the computer reading multiple bills at one time. So everyone gets to suffer an hour of a miserable cacophony of several garbled high speed computer voices.
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Jan 26, 2023 04:17
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canyoneer posted:At least one state legislature has a law that every bill must be read out loud in it's entirety on the floor before it can be voted on. Some bills are hundreds of pages long and of course, extremely dry reading. These legislatures fulfill the out loud reading part by having a text to speech program read the bill out loud, at high speed. They may also have the computer reading multiple bills at one time. So everyone gets to suffer an hour of a miserable cacophony of several garbled high speed computer voices. Thanks, Florida. Thorida.
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Jan 26, 2023 05:27
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notwithoutmyanus posted:AI is the future! AI is going to fight for your lawsuits! AI is smarter than lawyers! maybe if he would have asked the chatbot if his scheme would result in jail time first this whole episode could have been avoided
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Jan 26, 2023 05:35
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Popete posted:I've always said body positivity is what's keeping down the masses. In reality it is just keeping up the masses of the masses.
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Jan 26, 2023 07:29
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notwithoutmyanus posted:AI is the future! AI is going to fight for your lawsuits! AI is smarter than lawyers! I think there's other threads where donotpay is better suited for detailed coverage; the entire thing is bad on just a stunning number of levels, torching everything it touches in every way I can imagine from a silicon valley tech evil standpoint. From a BWM perspective, afaict all of its functions don't work or encourage the user to do some light (or very heavy) illegality, and it is apparently difficult to cancel its monthly fees. It's notable for being a bit like Musk- Browder is somehow able to get remarkable, ongoing rounds of credulous press coverage. This failed publicity stunt might reverse that trend. For example, there have been several rounds of articles about how donotpay had saved people many millions of dollars on traffic tickets (numbers all coming from the company), but from the outside, it appears to work by just using a decision tree chatbot to autofill an automated ticket dispute form, and very strongly encouraging the user to lie and claim the ticket's invalid for a reason the system is likely to punt on rather than dispute. That's one option from a menu of like a hundred things the service claims to do. Discendo Vox fucked around with this message at 08:07 on Jan 26, 2023 |
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Jan 26, 2023 07:57
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This photo allegedly shows my client threatening the bouncer, but I'd say the object in his hand has a 93% chance of being a handgun, 6% chance of being a cat. Clearly there's some reasonable doubt here.
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Jan 26, 2023 15:32
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Sundae posted:We had a thread for poo poo like this in BFC for a while. The OP professed to sell black-label whiskey stills IIRC, and the rest of the thread was people trying to figure out what they could black-label or dropship off Alibaba, and a lot of market-testing using SEO domains + Google ads to permanently out-of-stock stores to gauge if people wanted their product. BFC has had some weird, weird threads over the years. (Though to be fair - I learned about the erotica self-pub market from a thread in this subforum and that actually really worked in spite of sounding like the dumbest idea imaginable. Maybe some goons retired as millionaires from drop-shipping kamado grills - gently caress if I know.) I remember this thread! It got me started in web development, because I started researching niche keywords. Actually did pretty well off it, visit wise. I used a keyword crammed URL and was getting like 30k uniques a month before I got bored of writing my own content and rabbit holed on auto content generation. Affiliate selling and lead generation is actually still a really good way to make bank, and it's largely turnkey once you get your ops set up. I knew a guy who ran a boardgameprices.com type website who was making 5 figures monthly, just from affiliate links. I had/have a really good affiliate space that I know would also work, but I'm too drat lazy to set it up. So I guess I'm the one who is BWM.
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Jan 26, 2023 18:58
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I just had a phone screen to work for a company that, after further investigation, appears to be Venmo plus an MLM where the product is a cashback debit card (combined with data harvesting): https://fluz.app/ I mean.. I guess at least they're paying for the data they're collecting?? Grumpwagon fucked around with this message at 21:02 on Jan 26, 2023 |
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Jan 26, 2023 20:59
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Something with that name could never fail, right? https://en.wikipedia.org/wiki/Flooz.com
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Jan 26, 2023 22:36
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Grumpwagon posted:I just had a phone screen to work for a company that, after further investigation, appears to be Venmo plus an MLM where the product is a cashback debit card (combined with data harvesting): quote:where you and your friends all help each other get richer. Second line on the website and I'm already too skeeved out to scroll further down to see what it is they're selling
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Jan 26, 2023 22:36
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I took a look at their privacy policy.quote:We generally do not store or retrieve any personally identifiable information in cookies. generally...
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Jan 26, 2023 22:52
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Hahaha it IS a credit card ponzi scheme.quote:Things really get going when you share Fluz with friends. Build your network and get $ for every friend who joins, as well as royalties on their cashback for life. More friends? More money. Oh and look out for bonuses, parties and boosts that give you even more rewards. Anything advertised as 'for life' almost definitely is not.
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Jan 26, 2023 22:55
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Are they called Fluzies?
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Jan 26, 2023 22:57
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Popete posted:Are they called Fluzies? Aww man, and right after I thought "Fluzers" would be good too.  *hands over the crown*
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Jan 27, 2023 00:56
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All this tiktok and social media "join my (not a) pyramid scheme" poo poo reminds me of the days of yore when assholes would post ads in the newspaper, on telephone poles, or would pull this poo poo on strangers in public. I was in Best Buy looking at CDs (in the days of yore) one time and a guy with a shirt and tie just walks up to me out of nowhere and starts his spiel. It creeped me out because at the time I had no idea wtf he was doing. After I realized what was going on I was insulted and a little hurt that I must look like a loving mark.
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Jan 27, 2023 02:12
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Joe Mama posted:All this tiktok and social media "join my (not a) pyramid scheme" poo poo reminds me of the days of yore when assholes would post ads in the newspaper, on telephone poles, or would pull this poo poo on strangers in public. I was in Best Buy looking at CDs (in the days of yore) one time and a guy with a shirt and tie just walks up to me out of nowhere and starts his spiel. It creeped me out because at the time I had no idea wtf he was doing. After I realized what was going on I was insulted and a little hurt that I must look like a loving mark. People still do it in-person. They tend to not go door to door anymore, but I have people outside town hall who try to recruit me to all sorts of poo poo when I accidentally make eye contact.
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Jan 27, 2023 03:04
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Joe Mama posted:All this tiktok and social media "join my (not a) pyramid scheme" poo poo reminds me of the days of yore when assholes would post ads in the newspaper, on telephone poles, or would pull this poo poo on strangers in public. I was in Best Buy looking at CDs (in the days of yore) one time and a guy with a shirt and tie just walks up to me out of nowhere and starts his spiel. It creeped me out because at the time I had no idea wtf he was doing. After I realized what was going on I was insulted and a little hurt that I must look like a loving mark. That reminds me, I'm a Nigerian prince, and...
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Jan 27, 2023 03:09
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canyoneer posted:At least one state legislature has a law that every bill must be read out loud in it's entirety on the floor before it can be voted on. Some bills are hundreds of pages long and of course, extremely dry reading. These legislatures fulfill the out loud reading part by having a text to speech program read the bill out loud, at high speed. They may also have the computer reading multiple bills at one time. So everyone gets to suffer an hour of a miserable cacophony of several garbled high speed computer voices. It's a common stalling tactic by the minority party in a legislature, as many states have that law on the books but it's normally just agreed upon by both parties to suspend that rule... until it isn't. Having a computer read a 200 page bill at 300% speed because of Air Bud rules on "well there's nothing saying it has to be a human reading it aloud" is a fun loophole though.
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Jan 27, 2023 13:17
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Joe Mama posted:All this tiktok and social media "join my (not a) pyramid scheme" poo poo reminds me of the days of yore when assholes would post ads in the newspaper, on telephone poles, or would pull this poo poo on strangers in public. I was in Best Buy looking at CDs (in the days of yore) one time and a guy with a shirt and tie just walks up to me out of nowhere and starts his spiel. It creeped me out because at the time I had no idea wtf he was doing. After I realized what was going on I was insulted and a little hurt that I must look like a loving mark. Someone tried to pitch me their mlm in a target like 3-4 years ago so it still happens. I think some Walmarts have signs expressly forbidding it because it's so common.
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Jan 27, 2023 15:15
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Vice President posted:It's a common stalling tactic by the minority party in a legislature, as many states have that law on the books but it's normally just agreed upon by both parties to suspend that rule... until it isn't. Having a computer read a 200 page bill at 300% speed because of Air Bud rules on "well there's nothing saying it has to be a human reading it aloud" is a fun loophole though. In Texas every bill that makes it to the floor has to be read aloud, and they have special staff members who specialize in reading aloud extremely quickly. They basically sounded like livestock auctioneers. At least, that was how the lege did it a decade ago. I wonder if those folks lost their job to automation...
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Jan 27, 2023 16:42
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Joe Mama posted:All this tiktok and social media "join my (not a) pyramid scheme" poo poo reminds me of the days of yore when assholes would post ads in the newspaper, on telephone poles, or would pull this poo poo on strangers in public. There are signs all over the main roads near me so that much is going strong. "Real estate investor seeks apprentice" lmao yeah right.
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Jan 28, 2023 06:13
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are real estate investors actually sith lords?
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Jan 28, 2023 07:03
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Weird way to spell shitlords
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Jan 28, 2023 07:25
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Sharing this from doomsday economics:Shear Modulus posted:from wallstreetbets
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Jan 28, 2023 09:29
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BMO tells us we owe $106,000 to get our mortgage “back on track”quote:First time home owners, we’ve had our home for 13 months.
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Jan 29, 2023 06:05
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If OP has been paying in accordance with the rate increases then I don't believe he has to straight up make a $106k lump sum payment or anything to keep his home right? Im not even sure what "back on track" means. Gotta say tho, ur mortgage payment doubling in a couple of years has gotta hurt. Prob shouldnt go with a variable rate when the only possible direction is up OctaMurk fucked around with this message at 06:17 on Jan 29, 2023 |
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Jan 29, 2023 06:14
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Okay, let’s put aside for a moment the massive mistake of not locking in a fixed-rate mortgage a year ago. Apparently variable-rate mortgages work completely differently in Canada from the US. In Canada, your required payment is fixed; it just pays off more or less principal, and I guess that can even go negative. The term is also just the length of the mortgage contract, after which you need to either renew or pay up. That makes some sense, since the amortization schedule is not fixed. But there is no initial fixed-rate period; you are immediately at the mercy of the central bank. I guess their mortgage agent has been encouraging them to make larger payments than required, since their required payment is nowhere near covering interest anymore. I have no idea what that $100K figure is, because it’s way under how much principal they’d have to pay off in order to get back to their original amortization schedule at their required payment. Maybe it’s how much more interest they’ll be paying over the course of the mortgage as of the latest rate hike. There’s definitely some theoretical virtue in the Canadian VRMs vs American ARMs: interest rates skyrocketing only means you’re hosed at the goal of ever paying off your loan, not failing to make payments and getting foreclosed on. On the other hand, I assume that when the term ends, the bank is going to insist on a higher minimum payment, at which point maybe you do lose your house. And if you’re not taking calls from your mortgage rep regularly, you could easily go into negative amortization even if you could afford a higher payment. And mortgage terms generally seem to be somewhere around five years, i.e. the usual fixed-rate period on American ARMs, at which point you can of course refinance into a new ARM in the US, so the practical difference is that you actually have to deal with interest rates all the time. Overall, the whole thing actually seems significantly more predatory than the American system, which is impressive. Why the hell would you ever get one of these? rjmccall fucked around with this message at 07:16 on Jan 29, 2023 |
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Jan 29, 2023 07:12
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An update to the Reddit post indicates that the bank probably made a mistake because the last few months were paid over the required amount rather than adjusting the required amount upwards, and that the 384 months is accurate if you assume that they would only be paying the minimum required going forwards. The $106k is probably how much they'd have to pay to keep things on track for their 300 months if they didn't adjust their payments upwards to account for the increased rate.
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Jan 29, 2023 07:15
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rjmccall posted:Why the hell would you ever get one of these? I believe that’s just how Canadian mortgages work. There’s no 30 year fixed rate equivalent in Canada. At best, you get a fixed rate for 5 years, at which point you renegotiate the terms (for another 5 years) based on the prime rate at that time. Note: I am not a Canadian mortgage specialist.
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Jan 29, 2023 13:16
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