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Comment Re:What does it do to your credit score (Score 1) 386

The article says that it's used to judge people that have never had credit ever. If you already have a credit card, it doesn't really apply to you. I'd say it doesn't apply, but I'm sure there's a variable in an equation somewhere that has an effect but is so minor that it's almost 0 on an account that already has credit.

If you've never had credit ever, then you're subject to the same terms that creditors have always had with new applicants. Get a cosigner, get student account, get a secured CC, get a checking account, and I'm sure there's other ways that I can't think of off the top of my head when I'm 10 minutes from going to bed.

Comment So nobody read the article, or even the summary (Score 3, Interesting) 386

"Lansing said FICO is working with credit card companies to use several different methods for deciding what size loans people can handle, and using non-traditional sources like social media allows them to collect information on people who don't have an in-depth credit history. According to the FT, both FICO and TransUnion have had to find alternative ways to assess people who don't have a traditional credit profile -- including people who haven't borrowed enough to give creditors an idea of what kind of risk they pose."

So this has a nonzero effect on your credit score, but for anyone with a legitimate history (aka any credit card or loan ever) the effect will be so small that it would be considered negligible. What the hell do you people want? If I was an employer looking up peoples names on Facebook, like is common these days, and found out that the person was posting pictures of getting high/drunk on a regular basis or posting really horrible comments, I'd refuse to hire them too. The same applies to credit cards. Some random person with no references walks into my bank and says, "Hey give me $1000, I'm good for it". What should my response be, seriously?

"Can you prove in any way that I can depend on you to pay me back?"

If you don't want to be judged by your social profile, make it private or don't fucking post it in the first place.

Comment There are a couple options (Score 1) 193

http://www.onesupport.com/ is a service that started in the last year or two. $15/month plus a $50 sign up fee, or no sign up fee if they pay a year in advance. (Disclaimer, I am partially associated with them. Never worked for them, but worked with their techs in the past). They do phone/remote access troubleshooting/virus removal/tuneups/basic software support/printers/networking. They always seemed fairly competent from the chats I had with them.

Also most ISP's, or at least the 4 or 5 that I've worked for or subscribed to, offer some kind of premium support for $10-$20/month. Worth looking into.

Comment Re:Let's get this out of the way (Score 4, Insightful) 447

I read the article, and apparently, only positive reviews are visible for a person until that person signs up. Fortunately, I suspect there's a workaround... continuing with your example:

Of all the accused crack-smoking child molesters, Bennet Hasselton is by far the best!

What's stopping someone who wants to write a review from signing up under the persons name in order to get the bad reviews to show?

Comment Re:A timely story by theodp (Score 1) 112

Who gives a shit? I like the fact that companies are stressing how important learning to code is to kids in K-12. What agenda are you trying to imply other than "coding is good"? I support teaching children at least the basics of coding.

The only thing you could be pushing is that companies want more H1-B's so they can get cheap coders, but the fact that they're trying to get coding into basic education goes against exactly that.

Comment Re:100% serious question (Score 1) 253

Off the top of my head:

-Steam games at 40-60gb a pop or full computer backup/restores faster than we can do now.
-On demand games for future game consoles, no more even having to wait an hour to cache the game files on your consoles hard drive... just a giant set of RAM and the system loads game engines, worlds, textures, and media in real time after a short buffering session to get the basic framework loaded when the game first starts up.
-4k streaming for multiple devices in the house
-360 degree HD video streaming. How about a camera on the roof of your house that films in 360 so multiple people can view different directions at once,and lets you zoom in on a deer in the woods a mile away.
-Gigabit download means better upload as well... so HD/4k video conferencing as well as easier backups for large photo and video projects to a cloud based storage.

And then the last one: WHO FUCKING KNOWS? The technology always comes first, then people find ways to use it. If your mind can only think of using higher bandwidth for pirating, then you're not really thinking about the possibilities.

Comment Re:Amazed (Score 1) 185

You can buy a bitcoin online for $X and then spend it immediately on some sites to get $X worth of products.

Where's the scam?

Bitcoin is currently dropping in price. Incredibly fast since the fight/fork was announced. So no, you can't buy for $X and spend for $X, the dollar value of the coins you purchased drop as soon as you give someone money.

"You can't get very far in this world without your dossier being there first." -- Arthur Miller