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Comment Re: Too many EVs (Score 1) 94

Europe not buying LNG from Russia distorts the market. US producers can get a better price selling to Europe, so prices go up in the US too. If you donâ(TM)t like this, youâ(TM)re better off crushing Putin so Europe starts buying Russian LNG again. You canâ(TM)t just sit back and ignore it if you donâ(TM)t like it.

Comment Re: And (Score 1) 115

Interesting. Our parent company is an 8,000+ multi-national and that isnâ(TM)t the case. Their standard laptop is a Microsoft Surface. Theyâ(TM)re not a technical company and weâ(TM)re a strange fit in there. I got one of these for my tech writer that I hired a few years ago, foolishly thinking she didnâ(TM)t need something more high end. Doxygen builds were incredibly slow and the machine wasnâ(TM)t upgradable. I found her a spare Acer with more memory and cores and the dox build is so much faster yet still takes 2 mins (compared with under 20s on my five year old MacBook Pro). Point is, a lot of business also donâ(TM)t have need for more expensive devices that allow upgrades. Iâ(TM)m sure it makes IT simpler, especially in a place that only does spreadsheets, PowerPoints and social media campaigns.

Comment Re: And (Score 1) 115

Or turn it around: why the fuck are people buying phones with such powerful CPUs?

I have a couple of Intel Core Duo powered laptops from 2007 (Win7) and 2008 (macOS 10.11) that I still use, the MBP quite frequently. Theyâ(TM)re fine for a lot of tasks and more convenient than my phone for many things, but vastly less powerful. Itâ(TM)s not the CPU that will hold back this rumoured device but the amount of RAM or local storage.

Comment Re:Teachers (Score 1) 102

Sadly the teacher is correct unless you plan to give your son a great inheritence he will need to purchase cars, rent places, and even buy a home some day.

Lenders need to know who they are doing business with before they lend out the money and take a risk.

Yes, this country has terrible credit problems with tiktokkers saying they are planning to get pregant so they can qualify for the payment for a car and other stupid stuff (yes this was on facebook for a girl entitled for a Mercedes making 30k a year at probably Walmanrt). They are addicting too as a simple swipe and bam instant free stuff etc.

But responsibly they are life saver and a bank has no idea with a character underwrite these days if they are going to get paid back? 70 years ago when people lived in the same town and knew the banker personally it was a different story and time.

Comment Re:Credit scores are not what you think they are (Score 1) 102

No. Its more likely you will be late paying them so they use that as an excuse not to do business with you.

Case in point I switched cards with a different number and forget. My auto insurance thanks to one late payment went from $250 to $475 a month!! At the time my score was 735 too. I was so pissed and it was greed obviously as they viewed me as broke.

Comment Re:Credit scores are not what you think they are (Score 1) 102

I would mod you up if I had points.

Credit systems are a scam as Dave Ramsey says he has a score of 0 and would be denied renting a 1 bedroom apartment ... but could buy the whole complex in cash :-D. Read my last paragraph below to show how stupid this it with correlation = causation arguements to rig it? ... reality is very very few people can buy homes, emergency medical expensives and cars in cash.

Credit score = The % you are likely to pay someone back or your bills on time. No more no less. It is has nothing to do with wealth or success.

But in 2025 it is an evil necessity unless you are a millionaire. My Dave Ramsey example for those who do no tknow teaches financial literacy on youtube and is famous and hates all debt, but he is worth $160 million so can buy homes, boats, and cars in cash and his business. You and I reading this cannot.

Your credit score went down because you closed an account. Not because it was paid off. Broke people close accounts so therefore you are less likely to pay back with the whole correlation vs causation. It also impacts your debt/assets ratio. With less available credit available your other debt %/total available debt% ratio went thru the roof as it looked like you were borrowing too much, therefore you are going to default then those that don't. Again the causation = correlation arguement.

Go do some simple credit research on youtube. The proper way is get those ratios, account lenghts, and percentages in high, Keep ancient cards for lengthening credit history and keeping %total available debt% as big as possible so it looks like you aren't in over your head and over extended. Pay fees in interest for 3% to 5% of balances carried over to show you love debt and willing to have history and you will be good. If you rent be careful of broke neigherhoods as you are statsitically less likely to pay back if you live in X thanks to other broke people.

Comment Re: I don't understand (Score 2) 66

How will you enforce this short of installing spyware on PCs which companies are doing in increasing numbers ...the ones using that to justify RTO. Remember people can use mouse jugglers and just use their USB ports like the ones caught at Wells Fargo.

Also, real estate values. Many renewals have butts in seats requirements as the landlords feel left out not collecting at the deli in the basement and parking lots. So it's 5 days a week to make the one landlord richer

Comment Re:Studies show people work less hours WFH (Score 2) 66

I could see if I were a CEO or leadership and saw this over a large sample set I would freak out and implement a RTO. I would realize it is true that clocking in and clocking out may work great on an assembly line a century ago in a factory and people clocking in 15 minutes would hit numbers FAST, however I can't have people logging in only 4 to 5 hours a day.

We have spyware at my employer in which I HATE so my boss let me know when he caught me tired using my phone to log into teams and it was 8am and not 7am that one day. But the other option is he sends me into the office 5 days a week.

But how do you measure productivity? This things are hard. Is it projects? How do you determine the correct labor hours for a project? A previous employer had this drop and they got rid of hybrid work and it is one of the reasons I left.

I like to think we are all adults but I do admit I goofed one day and so has everyone else every now or then. I also have a friend at a bank and he said RTO fixed IT issues like a bank manager needing to get a block removed for a new credit card for a customer. No one would answer in Teams and it was hours later. After RTO instant contact. So return to office was a success and leaders agreed remote work is just not effective and we debated this.

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