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Comment Pay stubs, rent up front, shorter term (Score 1) 277

But i've been in areas where the standard procedure for nearly everyone a reasonable distance away from certain areas wants to run a credit check on you before signing a lease.

This article and this discussion and this article claim that standard procedure can be worked around. Showing pay stubs, offering to pay three to six months' rent up front in states that allow it, or seeking a shorter lease term will make the landlord more likely to feel like filling a vacancy.

Comment Re:Other countries' immigration departments (Score 1) 443

What other country would let me use its services instead?

I fixed the problem by moving to a new country. A great thing. That you choose to not explore other options doesn't mean they aren't there.

I thought the fact that I asked "what other country" was evidence that I'm trying to "explore other options".

Move to Europe or Australia or something.

I've been told that Great Britain (the part of Europe that speaks a language mutually intelligible with that of the U.S.) and Australia are even worse police states in some ways than the United States.

Comment Broken window fallacy (Score 1) 443

I go to a brick and mortar store (support local economy)

Good luck finding a brick and mortar store that carries the particular discontinued good you want. Do you plan to support global warming by repeatedly driving to all local pawn shops and thrift stores for years until the item you want finally happens to show up?

I don't use self checkout registers (support local employment)

Supporting inefficiency is the broken window fallacy.

There should not be multi-national corps, period. International trade still be achieved by company A in country A importing to or exporting from company B in country B.

Say I, the owner of a hypothetical small business, want to sell my company's products to people who live in 20 different countries. How should I go about efficiently starting 20 different companies to do so?

Comment Self-taught + Ramsey + apartment + bus (Score 1) 277

You have never used a credit card, applied for a loan, gone to a university, bought real estate, or purchased an automobile?

Here's a plausible edge case to your assumption: Consider a self-taught fan of Dave Ramsey who commutes between an apartment and his job on public transit. Fans of Dave Ramsey never borrow money. Self-taught people can skip university in some industries. People who rent need not buy real estate, and people who rely on a bus or bicycle need not buy a motor vehicle.

Comment Google recommends Braintree (Score 2) 443

Google Checkout will be retired on November 20, 2013

For sellers of "digital goods" (whatever that means), Google Wallet will remain open. For sellers of physical goods, Google recommends Braintree. I'm under the impression that Google was shamed into closing Google Checkout for physical goods after one of Microsoft's "Scroogled" ad campaigns, which protested the fact that sellers could see buyers' postal codes.

Comment Chargebacks (Score 2) 443

Consider this situation: Someone pays a business with a credit card through PayPal. Then he files a chargeback, claiming that he did not receive a service. PayPal wants to verify that the business is actually providing the service for which it is charging people. PayPal breathes down businesses' necks when Visa breathes down PayPal's.

Comment PayPal's chargeback rate (Score 1) 443

What do PayPal gain by "randomly" freezing accounts like this?

PayPal accepts the major credit cards, and the major credit card networks negotiate a swipe fee based on each merchant's past chargeback history and the chargeback history of other merchants in the same industry. Fraud prevention measures reduce PayPal's chargeback rate and thus what it has to pay out to the credit card networks.

Comment Take money out of PayPal to buy more product (Score 1) 443

It's well known that they do this sort of stuff -- regularly sweeping money into a bank account will also get your account frozen.

When I first read your comment, I thought PayPal might do this to encourage people to spend the money in their PayPal accounts within the eBay-PayPal ecosystem, so that PayPal can milk 3% off each transaction. But then I realized that sweeping money into a bank account was commonplace among businesses whose suppliers don't accept PayPal, such as a business that buys radio control cars from a distributor and sells them on eBay or on its own web site. Is it really that much easier easier for an online retailer that sells physical goods to provide itemized invoices than for a company that sells services?

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