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Comment Re: Is China covered by the US constitution? (Score 1) 163

Per Geneva that would be correct. Unless they were fighting for a belligerent recognized by the third Geneva convention, then they're not eligible for POW status. Good luck finding a state that will claim them. It also doesn't apply in the case of civil wars, it has to be between two sovereign states.

Comment Re:Or is that the problem? (Score 1) 120

Nonsense. Boeing's problems have nothing to do with wokeness or whatever right-wing drivel is making the rounds these days.

I don't know about Boeing in particular, but it's definitely a thing in aviation lately.

https://www.washingtontimes.co...

Parent has it exactly right. It's slipshod, cut-corners, profit-at-all-costs mentality.

So you're saying these tests were skipped as a matter of company policy in order to save money? Because it sounds like the policy required the opposite.

Comment Re: Bottom line (Score 1) 259

You do know what "depreciates" means in "Accounting 101," right? I'll assume you referenced an accounting class just so I would laugh, once again, at your inability to use words correctly in context. I'd have had nothing to chuckle about if you had left that off.

Like everything else here, I used that term correctly. Not my fault you don't know how to use a dictionary.

I guess I'm not sure here whether we're talking about how I can't figure out how to be stupid enough to lose 2.5% on the money I might pay my mortgage holder

$8 worth of interest, boo fucking hoo. I mean I get it, that's more than you make in an hour, but for me that's basically nothing. I make that much in less time than it will take you to read this.

unable to prevent myself from withdrawing my mortgage-earmarked money before I leave the country? I've lost track.

There are are other reasons besides NSF for why funds might not be accessible.

Comment Re: Nonprofit my ass (Score 2, Informative) 42

This is what I don't get about a lot of people on slashdot -- they see "nonprofit" or "co-op" and they get these oddball ideas about what that means. In a nutshell, this pretty much just describes the ownership structure. Nobody can actually own a nonprofit, but people involved with it in various ways can indeed make a profit. I myself have worked for two nonprofits, and they paid really well, so in effect I profited. Other than ownership structure, they're basically the same as any other company.

Comment What? (Score 1) 36

Seriously, what?

Ok, could someone please explain to me whether I'm just living under a rock and am the only one who never heard about this new hip and trendy product, or whether this is just a very weak attempt to astroturf for yet another AI crap nobody gives a fuck about to pretend it's relevant.

Comment Re: Bottom line (Score 1) 259

Not all servicers do this. Mine doesn't and previous ones didn't. They probably prefer to not be thought of as thieves.

Or you just couldn't figure out how.

The alternative is keeping the money in your demand account at 2.5%. Though I'm sure the reality is that in your locality, behind the Great Firewall of Idiocy, you had to work pretty hard to find that. If you ever get your phone outside the exclusion zone, you may want to see what other financial institutions are available. I, too, would not trust Vinny on the corner with my future mortgage payment, as I'm sure he's unable to schedule ACH payments in advance, and, boy, if he ever sees an extra couple mortgage payments in the rainy day funds he handles for you, he'll probably kidnap your dog to see if he can get it out of you. Not to mention the obvious, that if he gets hit by a car your money disappears. If you're ever out of the gulag, look for an FDIC-insured bank that will allow you to schedule ACH payments in advance: not only should you get a better rate than that, but if they fail, you'll get your money in two days and your payment will happen. Without those, though, you're right, keep giving your mortgage holder free money in case you can't pay them. It's obvious.

It's better to tell the servicer how to apply the money you sent when you send it. This is why mail in payments have a coupon that you send along with your payment.

Sure, the servicer does allow you to schedule payments, but there's a reason I didn't do this: I wanted to guarantee that the money would already be there in case anything unexpected happened that would prevent a transaction while I was gone.

I never said it didn't work the way you think it does.

No, you just plain don't even know how any of this works, you just like to pretend you do. You've made yourself look incredibly stupid so many times now, and you know it, which is why you post anonymously.

You seemed to have ignored how your definition of hedging allows your S&P ETF to be hedged by soup. The least you could do is observe how Heinz Kraft is in the S&P 500, so hedging that ETF with cans of soup is a valid but extremely inefficient hedge by my (and everyone knowledgable's) definition.

While a can of tomato soup is technically an asset, it depreciates until consumed, at which point it has no salvage value. The same can't be said for shares of Heinz, which are not a consumable good. This is accounting 101 dude...

Comment Re: What is anyone going to do? (Score 1) 108

We're not the one claiming perfectly free speech and expression. Perhaps politics is a better example. In America, or parts of, it is illegal to protest some types of segregation through boycotts, a means that was led by Canada in regard to S. Africa.

Ah...you're one of those "Israel is an apartheid state" derps. Due to your wilful ignorance, this will come as a shock to you: Muslim Arabs live in Israel and are not segregated. It's been this way from the very start. And unlike other Israeli citizens, they aren't even required to serve in the IDF, even though some do anyways. These guys are also the very same ethnicity as Palestinians. What makes a Palestinian is anybody who was in that region when Jordan ceded the area when nobody, not even Palestinians, had asked for it. Before that, "Palestinian" wasn't even a nationality.

Anyways, I'm well aware of anti-BDS laws, and they no doubt don't do what you think they do. These don't affect speech in any way, and they only affect businesses or individuals acting in a business capacity. It's not conceptually different from preventing a business from refusing service to a customer based on their national origin.

Now Congress is in the process of passing a expanding the definition of antisemitism to include criticizing the government of Israel, with bipartisan support in the House, it has passed, https://www.nbcnews.com/politi... the IHRA has a very broad definition of antisemitism that includes criticizing the government of Israel but doesn't mention the Palestinian people who often have more Semitic blood then many a Jew.

The article you linked doesn't say that, and indeed it seems the purpose of the law is to set a standardized definition of anti-semitism as far as public schools and universities are concerned because there currently isn't one. What the schools do with that is up to the school.

For a country that values free speech so much, laws like these seem pretty stifling. The 1st is pretty simple, Congress shall pass no law. No exceptions like Canada where we're only guaranteed the same freedoms as most free western democracies.

Nothing you've cited runs a afoul of that. Public broadcasts are done over spectrum owned by the government and leased to broadcasters. They agree to content terms as part of that lease. It's fundamentally the same as a DMV putting limits on what you can have printed on your license plate, because only they can issue the plate.

Comment Re: Bottom line (Score 1) 259

I'm glad we could finally get to the bottom of this, thank you. I was clearly mistaken in thinking you were trying to explain to me how it's a great idea to give up the spread between your mortgage rate and prevailing interest and market rates. Instead, you're like "dude, get this: it's a great idea to give up the raw prevailing interest and market rates in their entirety!" If your due date is moving, it's because they haven't credited your payment against principal on receipt, simple as that. Can I borrow some of your money for a few months at 0%?

When you've got a situation where you can't be certain that you'll be able to pay when the bill is due, it makes sense to take care of it in advance. Considering the alternative is fees and dinging your credit, it's worth it.

This has been pretty entertaining for me. I am certainly amused at how you believe your S&P 500 ETF can be hedged with a can of soup, and you can hedge that can of soup with some live goldfish. May I ask which of your investments your used mattress hedges? I guess the answer is probably all of them, and I'd know that if I merely understood.

Well when somebody uses many words that are completely unknown to you, there's a chance you'll misunderstand the meaning behind them and find them funny in some way. Toddlers do this a lot.

A final word of advice:

How many valedictions have you made at this point? I've lost count...

if your servicer changed when the mortgage was sold, you might want to verify the new servicer will treat your payments the same way. The odds that you would land on two consecutive servicers who will pretend they don't have your money until your due date rolls around seem low. Because most financially literate people would consider that abusive.

All servicers do this. I get that you never go anywhere outside of your mom's basement, meaning you always have internet access at any given moment throughout your entire life, that's not true for most people. We travel, and sometimes our destination is pretty remote. That's why we make contingencies. That's that thing I told you about earlier called planning.

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When bad men combine, the good must associate; else they will fall one by one, an unpitied sacrifice in a contemptible struggle. - Edmund Burke

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