You have no idea how it works, do you?

Debt collectors are nearly always separate companies. So what happens is you get way behind on a payment, the company you owe tries and tries to get money, but they fail. Finally, they just write it off. They then sell your debt to a debt collector. These debt collectors buy it cheap, usually 10% or less of the original amount. The company takes the loss and goes on with it. The collector then tries to get money so that they make a profit on the debt, and not a loss.

Companies do not want to sell a debt because there's no way they can sell it for what it is worth. They'd much rather have the money.

Student loans are a little different, since Sallie Mae does both loans AND collections, and student loans they offer are usually government insured (so they get their money no matter what) and you can't discharge student loan debt. Also they are a complete cluster fuck of stupidity since they are basically the worst combination of private enterprise and government agency (they were originally government, now private, but have something of a special status). They are currently under investigation regarding their practices.

Normal consumer debt though, they don't want you to default on. What they would like is that you run up a lot of debt and they pay it off slowly, paying a lot of interest, but pay it on time and completely. They would not like you to default.

Now I should note everything I'm going to say here applies to FICO credit score. Banks are certainly welcome to delve deeper and look at individual account performance and make a determination that way. So maybe, and there's no way to know this, the bank would evaluate that pattern more favourably when looking at the account and considering an upgrade to an unsecured account.

However for credit score what matters is (in order of importance):

--Payment history. Paying as agreed (meaning not more than 30 days late) is the biggest thing. Having no delinquencies, collections, defaults, etc is the prime thing. A long history of "pays as agreed" is what matters most.

--Debt burden, meaning how much you owe. For revolving accounts that is the amount of credit available vs the amount used. So having a number of high limit unused credit cards helps your score. For installment/mortgage accounts it is more about how much has been payed off.

--Length of credit history. The longer you've had a credit history, the better it can be. Also the longer you have specific accounts, the more they help.

--Types of credit. The more kinds of credit you've had, the better. This means revolving (like credit cards), installment (like a car loan), and mortgage. If you've multiple categories, that helps more than just having one.

--Credit inquiries. Each time you seek credit, it hurts your score a little for a short while. It isn't much and it doesn't last long, but is has an effect.

That's it. That's how it is calculated. Of those, payment history and debt burden are by FAR the biggest part. So if you have accounts that show you always pay as agreed, and you don't owe much, you'll have good credit.

As an example: I have a mortgage on my primary house, also a paid off mortgage on file since I refinanced (which is technically a new loan so the old one shows as paid off). I have a bunch of credit cards, probably $40,000 in credit, most of which don't get used, I got them because they offered a bribe and then never made use of them again. I have a primary card that I use for pretty much all purchases, and pay off in full each month. My credit score was 820, last time I checked.

The reasons are I have a perfect, lengthy, payment record, two kinds of credit, and I owe very little in relation to my available borrowing power. Hence, good score.

Also when I did a secured card, which admittedly was like 2 decades ago, I paid it off in full every month, and after the prescribed period, 6 months I think, they gave me an unsecured card no issue.

Just having one is sufficient. If you owe nothing on it, each month it'll be marked as "pays as agreed" on your credit report. Also it shows up as unused credit, which helps your score. Getting one and not using it works just fine. Having more than one and not using it works even better.

Fedex sent me to collections for a debt I didn't owe. Now I was very feisty with it and made sure to check that it didn't go on my credit history, but many people wouldn't. It was only $20. So maybe they just ignore it, it gets on the credit record. That would be "in debt collections" but wouldn't really reflect on the rest of my finances, it would just be something I decided to quit fighting.

There's a difference between someone with a small debt in collections because they don't agree they owe it and someone with a bunch in collections because they truly are financially underwater.

The Internet is not powered by experiments on humans. Not even in the DARPA days.

No, websites do NOT experiment on users. Users may experiment on websites, if there's customization, but the rules for good design have not changed either in the past 30 years or the past 3,000. And, to judge from how humans organized carvings and paintings, not the past 30,000 either.

To say that websites experiment on people is tripe. Mouldy tripe. Websites may offer experimental views, surveys on what works, log analysis, etc, but these are statistical experiments on depersonalized aggregate data. Not people.

Experiments on people, especially without consent, is vulgar and wrong. It also doesn't help the website, because knowing what happens doesn't tell you why. Early experiments in AI are littered with extraordinarily bad results for this reason. Assuming you know why, assuming you can casually sketch in the cause merely by knowing one specific effect, is insanity.

Look, I will spell it out to these guys. Stop playing Sherlock Holmes, you only end up looking like Lestrade. Sir Conan Doyle's fictional hero used recursive subdivision, a technique Real Geeks use all the time for everything from decision trees to searching lists. Isolating single factors isn't subdivision because there isn't a single ordered space to subdivide. Scientists mask, yes, but only when dealing with single ordered spaces, and only AFTER producing a hypothesis. And if it involves research on humans, also after filling out a bloody great load of paperwork.

I flat-out refuse to use any website tainted with such puerile nonsense, insofar as I know it to have occurred. No matter how valuable that site may have been, it cannot remain valuable if it is driven by pseudoscience. There's also the matter of respect. If you don't respect me, why should I store any data with you? I can probably do better than most sites out there over a coffee break, so what's in it for me? What's so valuable that I should tolerate being second-class? It had better be damn good.

I'll take a temporary hit on what I can do, if it safeguards my absolute, unconditional control over my virtual persona. And temporary is all it would ever be. There's very little that's truly exclusive and even less that's exclusive and interesting.

The same is true of all users. We don't need any specific website, websites need us. We dictate our own limits, we dictate what safeguards are minimal, we dictate how far a site owner can go. Websites serve their users. They exist only to serve. And unlike with a certain elite class in the Dune series, that's actually true and enforceable.

No kidding. And sims 2 has ALWAYS had SecuROM in it. They just didn't feel like taking the time to patch it out. While I'm a firm believer that DRM is a waste of time and money on the game company's part, there's no massive conspiracy here. They used SecuROM when they released Sims 2 (it was released in 2004, they used SecuROM a lot with games then) and they haven't bothered to redo it because, well, it is old and they just don't wanna spend the time.

Fair enough, particularly for free.

Plus the nerd rage over it is really overblown. Turns out when there's a problem with something, sometimes companies listen and fix things. So last SecuROM game I played was Battlefield Bad Company 2. It was not problematic at all in my experience. You had to activate it one time online and it then ran without checks or ever going online again. You got a certain number of activations, 5 or 10 I think, but not only could you deactivate it, with a tool or automatically during uninstall, but they would replenish automatically over time. So unless you were doing a ton of reinstalls and not deactivating it was really unlikely you'd have an issue.

Silly to include DRM in my opinion, particularly for a game mostly played online, but not at all onerous on the user.

People seriously need to chill about this shit. Support DRM free games when there's a version available (GOG is a good site, please not Steam is not DRM free, Steamworks is DRM) but don't rage and whine if there's DRM and the DRM isn't a problem. Yes it is silly and a waste of money, but don't act like it is some massive issue if it is not.

If a game has some "always on" DRM bullshit that shuts it off if the connection goes down? Ya that's a reason to get mad and not buy it. If it has a DRM that wants to activate once and then fucks off? Oh get over it, you probably have to get online ones to patch the thing anyhow. Just jump through the hoop and go on about your business.

One somewhat recent example:

http://metronews.ca/news/ottaw...

There are some people who feel that you have a right to speak on an issue only if they agree with what you are saying and will attempt to silence your speech if they do not.

That is why when you play online shooters, which attract many immature males, "faggot" is the default insult. They are insecure about their sexuality, as most young men are, and thus being called gay is one of the more hurtful things to them. they externalize that, of course, and thus that is what they use by default against others. However if they find something that works better, they'll go after that. Race, age, nationality, etc, etc.

They are assholes, sociopaths sometimes, they want to hurt others and they choose whatever they think is the most effective way to do it.

For that matter humans in general do it, women included. Bill Burr ha some hilarious bits, based in truth as the best comedy is, about women steering a losing argument towards personal attacks against their man. Saying he has a little dick, is a momma's boy, that kind of thing.

Well, that really happens. It isn't because women are some horrible creatures, but rather because they are using the insults they have learned will hurt the worst, when they get mad and decide to turn to insults. It's what people do when they lash out.

The difference between a normal person and a troll/asshole/ITG/sociopath and so on online is that most people do it only when they are angry, when they are lashing out at another person. These asshats do it for fun, just to get a rise out of people, and so on.

It is not something to be celebrated, or even tolerated (in any community I moderate trolling is a fast way to the banhammer) but trying to act like it is a problem limited to or directed at women is silly.

Of course it is assholes acting out. That's what happens when you remove consequences. Games have been an excellent example of that in terms of gameplay and mechanics. There have been games that have tried the whole "No rules but what the players make, they'll work out a stable system." No, actually it devolves in to a bunch of griefer assholes, and everyone else leaves. These people can't do that kind of thing in real life because they'd face consequences.

Sociopaths learn to moderate their behaviour in the real world because if they don't, they get punished. Online, they can run rampant and so they do.

We consolidated about 20ish old servers (and added new systems) in to two Dell R720xds that are VM hypervisors. Not only does this save on power n' cooling but it is way faster, more reliable, and flexible. It is much easier and faster to rebuild and stand up a VM, you can snapshot them before making changes, if we need to reboot the hypervisor or update firmware we can migrate VMs over to the other host so there's no downtime. Plus less time is wasted on admining them since there are less systems, and they are newer.

On top of that they have good support contracts, and some excellent reliability features that you didn't get on systems even 5ish years ago (like actively scanning HDDs to look for failures).

Big time win in my book. Now does that mean we rush out and replace them with new units every year? No, of course not, but when the time comes that they are going out of support, or more likely that usage is growing past what they can be upgraded to handle, we'll replace them with newer, more powerful, systems. It is just a much better use of resources.

Seems like you are trying to work out a solution to a problem you don't have yet. Maybe first see if users are just willing to play nice. Get a powerful system and let them have at it. That's what we do. I work for an engineering college and we have a fairly large Linux server that is for instructional use. Students can log in and run the provided programs. Our resource management? None, unless the system is getting hit hard, in which case we will see what is happening and maybe manually nice something or talk to a user. We basically never have to. People use it to do their assignments and go about their business.

Hardware is fairly cheap, so you can throw a lot of power at the problem. Get a system with a decent amount of cores and RAM and you'll probably find out that it is fine.

Now, if things become a repeated problem then sure, look at a technical solution. However don't go getting all draconian without a reason. You may just be wasting your time and resources.

Everyone covers up mistakes. Everyone reveals everyone else's mistakes.

The San are pretty much where they were when humanity evolved.

Nothing is objectively known about the airliner. Everything, from Ukrainian air traffic control ordering the plane to descend to a dangerous altitude to who detected what, is all supposition and hearsay at this point.

It is my personal suspicion that the Ukrainian authorities were hoping for an accident of this sort and were intent on placing a civilian airliner in as dangerous a position as possible. Whether that was the case for this specific airliner on this specific flight is unclear.

And I'd argue that Korean Airlines 007 is a better example for this reason. The US had been using civilian airliners for spying on Russia for some time and doctored the evidence to remove Russian pilots radioing warnings to the aircraft in order to make the incident more incriminating than it was. Whether that flight was used for spying, was shadowed by such an aircraft, or merely happened to be in the wrong place at the wrong time, all becomes incidental. The accident was inevitable and the US government of the time was guilty of ensuring civilians would someday die for the benefit of military intelligence. It was merely a matter of which plane would be blown out of the sky and when.

In this case, the Ukranian authorities deliberately downplayed the risk of missile attacks on overflying aircraft and deliberately worked to place aircraft in the most dangerous air corridors that the airlines would permit. That is indisputable. Their opponents were known to be firing on aircraft and had shot several down. When your time to respond is measured in milliseconds, the nearest aircraft identification guide is mere hours away, to paraphrase what Americans often say about cops.

An accident was inevitable. The separatists weren't interested in avoiding one, the Ukrainian authorities certainly weren't. It was merely who would die for someone else's ideals. Whether or not this aircraft was deliberately placed in the path of a SAM battery is unimportant.

Both sides are therefore guilty. Both sides deserve blame.

Figure out what level of energy use, as a whole, is acceptable by your calculations. Then figure out how much that means you get to use. Make sure to include all forms of energy usage, such as heating and energy used in building and delivering goods. Adjust your energy use to meet that level, and see how that goes. Then we can talk. Otherwise, kindly STFU.

The reason I say this is not because I'm against trying to reduce energy consumption, I think conservation is always a good idea when practical, but because I'm sick and tired of hypocritical online eco-whiners. They'll bitch about how "people" should do something yet are unwilling to do it themselves. Somehow they see it as ok to bitch that others should be willing to make sacrifices but don't make any themselves.

So put up or shut up. Don't whine that "people" need to change their energy use, but then continue to live an energy intensive first world lifestyle. You are people too. If you cannot or will not adjust your usage, why would you assume anyone else would be willing?