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| 2007/12/7-13 [Industry/Startup, Computer/Blog] UID:48759 Activity:low |
12/7 What's a good blog site for anonymous people to rant and spill
beans on their company? -disgruntled x employee
\_ http://fuckedcompany.com used to be good for that...
\_ No longer exists.
\_ Where do the ex-employees of http://fuckedcompany.com post?
\_ Ha ha! http://www.doublepenetration.com
\_ I hate to knowingly support a Guy Kawasaki venture, but truemors?
Not completely sure on the spelling either, obGoogle. -dans
\_ vallywag? Not exactly anonymous, since you would have to talk
\_ valleywag? Not exactly anonymous, since you would have to talk
to a reporter, but if your stuff is interesting, they will run it.
\_ You don't have to 'talk to a reporter'. Make up a bunch of shit
and instant message Owen, he'll probably print it.
\_ How do I IM Owen? -op
\_ What is Owen if not a reporter?
\_ Spill it on the motd. |
| 2007/12/7-12 [Uncategorized] UID:48760 Activity:nil |
12/7 I hate it when I unknowingly do vast quantities of cocaine.
\_ Our heart goes out to you sky.
\_ How does one unknowingly do vast quantities of coke?
\_ After about 8 drinks you can do lots of things unknowingly --
at least you don't remember later is that the same thing? |
| 2007/12/7-12 [Uncategorized] UID:48761 Activity:nil |
12/7 I don't know what this has to do with the Bonds trial, but I admire
their pluck: it's cold out there today!
http://www.csua.berkeley.edu/~erikred/Veggies_at_Bonds_a.jpg
http://www.csua.berkeley.edu/~erikred/Veggies_at_Bonds2a.jpg
\_ I like the redhead. Why does she look familiar to me, though?
\_ What are you doing at the Bond's trial? Oh yeah, you work for
the court, right? -ausman
\_ That's right. These were actually taken by a coworker on his
way in to work this morning. --erikred
\_ I agree. American made meat has one of the highest concentrations
of growth hormones and antibiotics compared to the overpriced
lean European meats. Veggies are ok but they also have high
pesticide concentrations (compared to European standards).
So, it's your pick. Hormones&antibiotics (which causes a lot
of problems unique to Americans) or pesticides. |
| 2007/12/7-13 [Transportation/Car] UID:48762 Activity:nil |
12/7 Parked in the Kwik Way parking lot to do some local shopping, and
came back to find a sort of ticket on my car: "Invoice Parking Fee
Imposed." The ticket specifically says "This parking charge is not
issued by the City." Has anyone here ever had one of these, and do
I have to pay or can I just blow it off? It has my license plate
number on it. The issuing company is http://regionalparking.com.
\_ I've heard both sides. Some said that they can't really do anything
unless you park there again (get it towed) while others say they
can sick collection agencies on you, possibly ruining your credit
\_ [sic]
record.
\_ Sounds to me like you trespassed on their property and now they
want you to pay. How much is the fine?
\_ $35.
\_ Answering my own question: jury's out on whether they can pursue
the charges. Some information:
http://csua.org/u/k7b (EastBay Express, look for Gordon story)
http://csua.org/u/k7f (SFGate)
I think I'll take the risk. |
| 2007/12/7-13 [Finance/CC] UID:48763 Activity:high |
12/7 Got a weird letter from a bank I've never heard of saying
"Your request cannot be approved at this time. In reaching
this decision, your request was judgementally reviewed and
denied for the following reason(s):
unable to verify identity"
What the hell? I didn't apply for anything, what's going on?
\_ Maybe just a phishing attempt.
\_ Someone may have tried to apply for credit cards in your name,
i.e. an identity theft attempt. I would contact the bank and
ask about it. You should also probably check your credit
and see if there has been suspicious activity lately. If so,
you can put some kind of "Fraud Alert" on it, notifying potential
credit grantors to be careful, but I am afraid I don't know too
much more about that.
\_ The fraud alert is actually quite helpful. Basically it locks
your credit report for anyone inquiries regarding new loans or
credit cards until you call the reporting agencies and ask them
to unlock it. -dans
\_ It's only good for 90 days.
\_ http://www.csua.org/u/k6m
You can do something called a "Security Freeze" on your
credit rating, too, but it sounds like a hassle.
\_ I did that. I got my mortgage and other credit the
way I want then I froze everything. I think getting
your ID stolen is a bigger hassle. YMMV.
\_ No doubt that getting your ID stolen is worse, but
what are the odds of that happening? Aren't you
paying $120/yr for protection against something
that is very unlikely?
1) low but climbing every day 2) I pay nothing.
Even if I had to pay, $120/year insurance would be
worth it to avoid the horror.
\_ I don't think you know how to do a cost/benefit
analysis. The average loss is $5k and if your
chance is 1%, why pay that? Add to that the
hassle factor of not being able to apply for
credit. How do you not pay? Were you a victim
of ID theft? In most states, it costs money.
of ID theft? In most states, it costs $10/mo.
\_ As I said, I don't need more credit so the
hassle factor is zero. Life is more than a
straight cost/bene analysis. If I had to pay
$120 that would be worth it. My credit
rating, time, and peace of mind are worth a
lot more to me than $10/month. Think of it
like this: the odds of an asteroid hitting the
earth anytime soon are near zero, yet a lot of
very serious scientists are looking into ways
to defend the planet if we spot one. Why?
Because if you lose the gamble you're totally
fucked. People spend years tracking down and
correcting ID theft problems. The thieves
don't just grab a few $K and go away. ID theft
is a personal finance asteroid hitting your
life. YMMV and you may find $120 to be worth
a lot more than the time you'd spend cleaning
this up should it happen to you.
\_ No, asteroids have something like a 1/1M
chance of killing 6B each year, so their
"expected" yearly casualty rate is 6k/yr.
That is worth a fair bit of research to
prevent. A 1/1000 chance of losing $6k is
not worth much time or money at all to
prevent. But if it makes you sleep better
at night, do whatever you want!
\_ 6k people a year is *nothing*. It
deserves no research for a death rate
like that by your calculations. OTOH,
a 1/1000 chance of fucking up my entire
financial situation and spending years
cleaning it up is worth it. Your value
judgements are 'confused'. Anyway, for
the record, it cost me $20 for a one time
lock. It costs $10 per time I want to
unlock it for a single transaction. I
have yet to pay the unlock fee. I have
no idea how you came up with this idea
that ID theft = $6k loss. I had more
credit than that on my student card.
How can you ignore the value of your
credit, potentially not getting a job
at places that do credit checks, and
the vast amount of time and agony being
an ID theft victim would inflict? It
is not like you write a check for this
fabricated $6k you bandy about and walk
away. Your life is hosed.
\_ You are a victim of fear:
link:www.csua.org/u/k6w (PDF file)
Most ID theft victims just challange
the credit card charge and walk away.
How much do you think a human life is
worth? The US civil engineering
society estimates $1-10M, so 6k deaths
are easily worth $6B to prevent. I
think you have a seriously confused
sense of priorities. You really think
having a credit snafu is more important
than the loss of 6000 human lives? Wow.
\_ Way to put words in my mouth. If
you really want to discuss this
seriously, say so, but I've made
my position clear, I explained the
costs (zero), the hassle (zero),
and the benefit (> zero) of a
credit lock and you have yet to
acknowledge any of that. IHBT.
\_ The cost and hassle is not
zero. It might be low and
therefore worth it to you, but
claiming that it is zero makes
your whole analysis suspect.
\_ I spent more than $20 on
lunch yesterday. If a one
time $20 fee is too high for
you, you have bigger problems
than ID theft. Keep up the
trolling.
\_ Spoken like a person who has
never experienced ID theft.
\_ I dunno, does having Romanians
charge your credit card count,
so that you had to change it
and dispute the charges?
\_ That's fraud and not
really ID theft.
\_ Are you a victim of ID theft?
How much did it cost you?
\_ I have been and my gf has
been, but the biggest
PITA was my brother. It
took him years to sort
through and even now
sometimes he is affected.
When someone has your
SS# and a DL with your
name on it all kinds of
interesting things happen
and you get to talk to
the police, government
agencies, banks, and
credit bureaus a lot. In
this case, it was a
former roommate of his
that stole his identity.
\_ How much did it cost you?
\_ In $$$ or in time
and trouble? How do you
calculate the cost of
spending a year in jail?
This problem is similar.
My brother missed a job
opportunity in the UK
because he couldn't get
a passport. Do you
just look at the $$$
lost? What about the
trouble he went through
and the emotional
rollercoaster of moving
to UK and then not?
\_ How much did your
incident of ID theft
cost you personally?
It is a simple enough
question, why won't
you answer it? I want
a dollar amount
though a time est.
would be nice, too.
I don't consider you
a reliable reporter
on your brother's
costs, frankly.
\_ Costs in
dollars?
Answer *my*
question.
What if I
said it cost
me zero
dollars, but
a year in
prison? What
would that
mean to you?
/
/
I asked first, I believe. It is hard to
value what a year in prison is worth. More
than a years salary, for sure, maybe 5X
if it was a Club Fed kind of minimum security
prison, much more if it was an ass-raping
AIDS sentence kind of prison. What would
it be worth to you?
\_ See, I knew your attitude was like this, which is why
I don't take you seriously enough to answer. If I said
it cost me $500K you would consider that to be
equivalent to a year in prison? I value my time, my
freedom, and, yes, my identity a lot more than you do.
If I have to go down to the DMV three times to fix my
records that, to me, is a lot bigger pain than 3 days
of salary. So I don't think you really understand how
much being inconvenienced really means to many people.
You just want to boil it all down to some dollar amount
and that's not really useful information to have. For
instance, in my case, I still get notices from other
counties about fines "I" haven't paid and vehicles "of
mine" that have been impounded. Usually it doesn't cost me
much in dollars to resolve these (a phone call and a letter
or two) but that doesn't mean the cost isn't high. I very
well could wind up in jail for some unpaid fine I
didn't know "I" had. When I resolve each of these items
is it truly resolved or will some clerk somewhere screw
it up? So stop worrying about the dollars lost and
focus on the gravity of the situation.
\_ Old age kills a lot more than that each
each, and with much lower variance.
Almost no research is being allocated
on this problem though. -- ilyas
\_ What are you talking about, the
diseases of old age (cancer, heart
disease, etc.) get tons of research
money. -jrleek
\_ I mean mortality itself. -- ilyas
\_ That's being researched as well
"Why we age," etc. -jrleek
\_ I meant the research
spending on this is
completely out of proportion
with the severity of the
problem. -- ilyas
\_ It's at times like this
where there's really
only one response.
You Are A Fucking Moron.
\_ Whereas your response
is about all we need to
know about you. Why don't
you sign your name? Would
you say that to his face?
\_ Politically, research into
mortality itself might
appear to be blasphemous.
After all it's not death
itself that is supposed to
be a problem but merely
suffering... I suppose. |
| 2007/12/7-13 [Reference/RealEstate] UID:48764 Activity:nil |
12/7 http://online.wsj.com/article/SB119698775454016534.html http://www.smartmoney.com/consumer/index.cfm?story=20071206 Who qualifies for the mortgage rate freeze plan? - Subprime ARM holders: typically 1-3 years fixed, rates adjusting to 8 to 12+% (Prime ARMs--typically 4+ years fixed or those with low adjusted rates--do not qualify) - FICO < 660 - FICO score has not improved by 10% or more since start of mortgage - < 3% equity in house, based on appraised value at start of mortgage - You are currently living there, and not renting it - Mortgage can't be 90+ days past due (seriously delinquent) - You can't have 2 or more 60-day lates in the last 12 months - Mortgage originated between Jan/2005-Jul/2007 - Mortgage adjusting between Jan/2008-Jul/2010 - Mortgage was sold to investors, FNM/FRE, etc. via MBS pool The idea is if any of the above is not true, one or more of the following is likely: - You can pay for it anyway - You can refi to better terms by yourself - The loan is owned by a single bank so deal with them - You're just out of luck because you took a 2/28 loan in 2005, it already adjusted, and you can't refi The above are guidelines only. Your mortgage servicer makes the final call, since they are obligated to maximize returns and may be sued by investors (MBS holders). Otherwise, you got your 5-year freeze! |
| 2007/12/7-10 [Uncategorized] UID:48765 Activity:nil |
12/7 OpenID, Open Social, who cares? How about more important APIs,
like OpenPussy? Collect statistics on your fetishes and serve
porn content that is relevant to YOU. Now we're talking. |
| 2007/12/7-12 [Uncategorized] UID:48766 Activity:nil |
12/7 Video surveillance images of mall killer released
http://apnews.myway.com/article/20071207/D8TCTLCO0.html |