They also hedge and buy insurance to cover potential defaults and then they write off the bad loan they got stuck with to help offset taxes… So it’s kinda good in a way and they want some but it makes business sense to find the right balance to keep regulators happy and make maximum profit.
It is still extremely far from the old days when money lent, was money/gold in the vault
I have a easier time accepting 8% interest charge when someone actually took money out of their pocket to lend me versus a ponzi like scheme with “strict regulatory rules and statistics blah blah loan loss provisions” (which sounds wonderful and for our good and safety).
They make a shit ton of money…
The models are just risk and likelihood based to determine cash requirements and how much they can lend out (way more than cash they have) yet they charge the same fee as if they had the funds.
I’d rather borrow from my grandma and pay her 8% since she deserves it for parting with her money.
It’s not like the banks need to set aside the full $100k that they extend to you on paper … they have to have “assets” of about 1/10th of that …
Fractional reserve banking . Basically just create numbers out of thin air
That title was rough. I clicked because I thought over 10,000 were dead…
I’m using flatpack version which is much more up to date.
I think the big thing is compatibility with current Microsoft office versions.
So there is benefit from being on a newer version unless you’re only using Libre and not sending each other people who are opening it in Microsoft office versions.
Haha this made me chuckle. Having experienced working with one of the named parties.
Then again they are very effective at running up costs
Great question!
A National internet ID of course!
it might be called a Crypto-quantum-cyber-safety-passcode and you’ll need to use it in any site that collects and stores data about you. It will be for your safety!
/s
Speaking of...
Has it ever been explored to pen a modern day update similar to , or to the constitution (amendment)?
(It would add new things) which could prevent future stupid laws and the encroachment of individual privacy and how other entities can collect, store, use and sell one's data and metadata they create. It would also avoid wasting of resources..
I'm sure there are other modern things today that the founding fathers could never have imagined at the time - but you better believe they would have included if they had the slightest idea!
The tough part is that it would need to be well thought out and reasonable (and practical)
Otherwise, it will always be a knee jerk defensive reaction to all this nonsense all the time. It's exhausting and a waste of $Dolphin has been one of my favorite benefits of switching from Ubunt to Debian! I didn’t know how “plain” nautilus was until I met Dolphin.
I’ve been able to customize the file window to my liking and it’s really nice !
Completely did! Thanks for being kind.
My shell prompt is stock and gets really long sometimes
I’m about to install Debian and try some other desktop environments… And maybe I’ll play with my shell prompt later.
I’m using guake
I like that it’s just the F12 key away then F11 to expand to full window. Supports multiple tabs.
Anyone using guake?
Okay, got you. Thanks. Maybe I’m just use to it, and selectively backup stuff from my home without doing a full sync.
Thanks for the answer.
I’m not understanding why we don’t want some config files in our home dir
Where else would we put them and why would I want to have to back then all up from different places?
Thx
What a douche bag
Ah I didn’t know that.
Well, grasping for straws, trying to say that she did something bold etc. Anyway I read in another article that a judge is blocking this
Ah yeah… Not constitutional.
She’s just doing this for her image.
One thing I would suspect is they leverage third parties and share your phone number to get back additional known data about you or your interests or other activities which other companies have shared. I think in a way it ends up being a connection point for your data across many places.
That’s unacceptable. I agree get a dumb modem from them and use your own Router/firewall/ access points
Pay yourself first to keep your disposable low. (Define your saving goals and set up automatic saving into another sav account or TFSA/rsp or us alternative) run these transfers the same schedule as your paycheck.
Also, if you tend to spend fast and loose, you may want to Set an amount of time you must waitbefore you can buy the thing depending on cost.
I.e 2 days for a $500 purchase. If you still want it after 5 days, buy it.
Uh, try that and see what happens
They have the upper hand , they will take your assets and sell your debt to collections and the courts will side.
The terms are such that you agree to pay.
What would be better is for everyone to always pay their credit card on time and reap the benefit from cashback rewards on purchases.