Pretty sure there's nothing more nefarious going on than a bunch of different engineers and different companies plugging in COTS text search solutions with minimal customization.
9,569 karma · joined April 3, 2014
Pretty sure there's nothing more nefarious going on than a bunch of different engineers and different companies plugging in COTS text search solutions with minimal customization.
You always want to identify the job title of who you're talking to and have a good guess as to what their priorities are. It sounds like they repeatedly talked to people whose job description is "close as many support tickets as possible with the hours and staffing resources you have". I'm not at all surprised that the result was getting their tickets closed with zero long-term improvement or concern about their situation.
Anyone advising specific actions to take in this thread that aren't "get a lawyer, preferably an expert in this field, and follow their advice" is doing you a disservice. This is almost certainly something you can't DIY. If the monetary amounts are too small to be worth a lawyer, you have very limited options.
Get. A. Lawyer.
The truly pernicious part is the self-financing spiral. Banks issued mortgages, which deposit cash in the home seller's account. Seller puts the cash into a money market fund. MMF gets short-term interest by financing AAA-rated securities. EU banks use this financing to buy senior tranches of MBSes. These MBS purchases allow banks to issue more mortgages by freeing up their capitalization.
Like, zero-sum alchemy will only generate small frauds and relatively limited losses. You need large amounts of leverage and some kind of self-financing spiral to generate catastrophic de-leveraging events.
Total non-worker consumption is equal to the unconsumed portion of total worker production, the worker-to-retiree ratio is getting worse each year, and total productivity gains are stalling. Working-age adults have to get squeezed somehow on pain of retirees voting different policies, and housing/rent/mortgage is the least flexible in terms of household budget and least politically obvious pathway for it.
A lot of the subjects of these articles are from very different socioeconomic backgrounds and will have a very different experience. Their bank account either doesn't exist or has like a week's pay in it. If they have investments, they're in an untouchable 401(k). They may live in a state that forbids wage garnishment, and even if you get that their wages may already be garnished and immune to further action. You might be able to grab their tax refunds, but those might already be spoken for by other creditors. And to top it all off, bankruptcy court can at any time issue a stay of proceedings and follow it up with a discharge of debts.
In short, there's a reason why most consumer debts are sold on for pennies on the dollar. That's what you actually get from it - maybe you talk some poor sod into paying $20/mo on a $20k debt that you bought for $200. Especially against an intransigent target that rightfully believes the debt to be morally invalid, you can find it extremely difficult to actually collect on a debt.
Anyhow, my point is that attempting to enforce these contract provisions invites PR/legal/political blowback that far outweighs maybe getting a thousand dollars out of the small cohort that actually calls the bluff and makes them make them pay.
All corporations are required to have an "agent for service of process" in the state they are registered in, and the secretary of state should maintain a lookup tool for this (haven't checked all 50 but it's common). Opt-out should take you approximately ten minutes - look up their agent for service of process, and send a certified letter explaining the action you want them to take to avoid the lawsuit you are considering.
1. Needles do not have the aerodynamic properties necessary to be effectively fired.
2. Chemical explosives and kinetic payloads are far better in terms of energy and weight than railguns. You'd see electromagnetic launchers being used for nailguns if they were at all reasonable for the relatively low amounts of power involved, and they aren't, and it's for good engineering reasons.
3. Chemical agents often have shelf-life issues, particularly when they're stored like you're proposing.
4. Solar recharging is going to have significant weight costs and result in either low duty cycles (most of the time spent sitting waiting for more energy) or other significant performance tradeoffs.
5. Perching on a power line does not give you access to electrical energy, you need a voltage difference to recharge, plus line voltages are really unsuitable for batteries and electronics, so you'd need a large (and heavy) transformer to step things down anyways.
6. Everyone with the technical capability to develop nuclear-powered aircraft has already looked at the problems and risks involved and said "oh hell no". Furthermore, if you miniaturize these things so they can be deployed en masse, the battery size and long-term contamination risk go way down anyways.
There's an economic analysis trick that can cut through a hell of a lot of cruft and confusing abstraction - whatever happens with the dollars and financial instruments you ignore, and you take a pure look at the real goods and services involved. In these terms, the landlord/tenant relationship looks like "some guy makes a bunch of widgets and only uses some of them, selling the rest for rent money. The rent money can be used to buy those widgets, letting the landlord consume that many widgets without physically making them. Generalize this about generic 'stuff' instead of just widgets."
This is what bothers me about your suggestion to redirect money from non-rent economic activity. How do you want to redirect the widget consumption to make the actual physical changes necessary to have additional productive economic activity? Do you want to apply the squeeze to landlord, tenants, or both? And again, I'm not asking where the money comes from because it's completely irrelevant to this analysis: a more productive set of businesses will require more machinery, warehouses, etc. The labor and material used for these come at the expense of making other stuff, and this physical investment of real goods and services is someone's stuff that they made without consuming.
Like, the lack of an answer to this question is really what makes me think this solution is wishful thinking. There's many answers to the question of who gets squeezed in terms of real consumption, but with very different consequences:
1) Nobody gets squeezed. Workers produce and consume the same, there's the same amount of real businesses, and the same amount of non-worker consumption. The difference is something like "instead of your job paying $4000/mo (after tax) while rent is $2000/mo, now your job pays $3000/mo and rent is $1000/mo". You still have the same excess production over consumption, but more of it gets siphoned off by your employer instead of your landlord.
2) Landlords get squeezed. Rents might get reduced, but this isn't necessary - what matters is landlord consumption goes down. If rents are lower, then workers have excess consumption available, but they forgo it in favor of productive investments in new businesses. If rents don't go down, then landlords forgo this consumption in favor of productive investments in new businesses. Either way, it's landlord consumption that is reduced, the only thing that changes is the nominal owner of these businesses.
3) Workers get squeezed. Rents might or might not change, again, and it's only relevant for who the on-paper owner of these new businesses are. If rent is the same, then workers have to save more and forgo more consumption to make the businesses exists. If rents change to finance this, then they go up so that landlords can build businesses without reducing their consumption.
4) Mix-and-match between the effects of various changes. You can literally get all three of the previous situations simultaneously - businesses get better at underpaying employees for their owners' benefit, landlords consume somewhat less, and workers also consume less, all while rents do anything.
In summary, allocating more investment into non-rent economic activity requires someone to not consume the real goods and services that go into making these businesses. It's some combination of the renter and the landlord depriving themselves of consumption, and if neither consumer budgets on the question then you've merely changed the financial description for why identical real transfers are happening.
This is the best I could do, and it's pretty much just putting the vast empty expanses of the Pacific and Atlantic oceans in the higher-distortion areas near the top and bottom.
This is especially important when it comes to identifying genetic correlations with autism, since anything that negatively impacts overall functioning is going to wind up positively correlated with autism diagnoses. Nobody sane is going to argue that having an itchy skin condition means that you're more autistic, but an autist with itchy skin is more likely to have enough behavioral issues in school to meet the threshold for a mental health referral.
To summarize my point, there's all sorts of genetic stuff that will end up completely unrelated with being autistic, but will end up correlated with getting diagnosed as autistic. This is because merely being neuro-atypical is not enough to get a mental health diagnosis, you need to combine it with enough life difficulties and social conflict to drive the bureaucratic machinery involved with producing a diagnosis.
You're conflating financial "capital" with real productive capital here. In real terms, non-productive financial assets simply do not matter; whether landlords extract a billion or a trillion dollars makes not a whit of difference in the real goods and services the economy produces.
If you redirect financial assets from bidding up the value of housing to bidding up the value of small businesses, you've simply moved the siphon from cost of rent to the cost of owning your own business and/or suppressing wages.
If you managed to fix a housing crisis, the only way of doing so is torpedoing retiree financial assets (mix of personal home equity and pension fund), which would shortly cause an increase in entitlement transfers to sustain retiree standards of living. The only way to ease the combined tax and rent-seeking load on younger workers is to reduce the total transfer to non-workers, and the political balance of power forbids this, so things will remain fucked.
The advantage to this is that when there are multiple competing copyright claims on a video, one common solution is that advertising revenue is split between claimants. So if you monetize via a copyright claim, you get 1/Nth of the advertising money, rather than the flat zero that the uploader gets when subjected to copyright claims.
(The biggest other thing this can be is a complaint that the victim doesn't let the complainant win enough arguments, and that the audience should consider more of the arguments won without the victim conceding and with an extra penalty of being seen as a sore loser.)
As a relatively famous example, take Bill Gross, aka the "Bond King". He only realized he had Asperger's in his seventies when it was randomly the topic of a psychiatrist he was having dinner with. And why would he seek out some kind of diagnosis? He's happily married and running fantastically successful bond funds.
Typically, the browser or phone OS does enforce a yes-or-no answer, and if you pick "no" the site or app is not allowed to ask again. So the "Would you like notifications" screen doesn't actually use the host program's API to enable notifications, it just brings up the dialog and asks you again.
This often means that there is a "no and stop asking" option. You just have to realize which dialogs are brought up by the application or the host environment, "accept" the application's request, and then deny the actual permissions request.
1. Put the game down when you get hard time-gated
2. Don't do PvP
3. Especially with a leaderboard feature
4. Especially in grouped content
I'm sure it's a good game up until the PMs and behavioral psychologists decide you're invested enough to put up with time-walls.