Wait, so ice didn’t look in prisons for actual convicted criminals? Lol

That guy you met at a party that has a “killer app idea” Lol jk, probably not even him

Network effect

Time is bad for you

Just to add to this. I’ve noticed some of my co workers who have developing English skills sound like LLMs sometimes. I imagine this is probably because they’ve only wrote English in a school or work setting and never for personal communication.

…or maybe they’re all just using LLMs idk

That’s just evil. Next they’re going to look into your calendar to see if you’re running late.

CBS NBC and FOX are still available without cable in most places if that’s what you mean. Aka with an antenna.

Or you could use the internet for news

How funny would it be if that employee was on a different team and was torrenting for personal use and got caught up in this lol.

I actually kinda miss 2010 Facebook where everything being posted was actually from my friends. It was almost exciting to log on and see what was up.

Now I’m in a few group chats but those aren’t quite as active unless some event is coming up for that group

Thank you, I really don’t understand all the complaints on this thread. It’s like everyone became really pro advertising lol. If I want an answer to a question(say what internal temp do I need to cook chicken too), then I can easily get it without scrolling through a bunch of ads and articles about cooking chicken.

Right I feel like you’re all missing my point, I probably didn’t explain my thought process well.

The premise is that: giving out loans involves risk. To make the risk worth while, the lender needs more upside(higher rate). The more unknowns, the more risk, thus higher rates. My logic is that if lenders had more information then they would be better positioned to evaluate risk, thus borrowing could become less expensive for people that are less risky. This is due to competition between lenders for customers. On that, based on friends getting mortgages recently, it does actually feel like there is a decent amount of competition that space specifically.

I will admit that in one of the other threads someone linked to a study that proves this wrong for medical debt specifically.

Thanks for the link! Yeah it does seem like my understanding is incorrect here “CFPB’s research reveals that a medical bill on a person’s credit report is a poor predictor of whether they will repay a loan,”

My argument is a purely logic based one. Lenders make money by giving out loans, so it’s against their interest to deny loans to people which are capable of repaying them.

So the finding is a bit surprising, but willing to admit I’m wrong here :)

I’m sure if they could get that info it would be on there. Seems like it would be useful for loan decisions.

It is real debt in the sense that you have an obligation to pay it back. Sure, you don’t have a choice to take it, but that doesn’t mean it won’t effect your finances.

At the risk of being downvoted to hell. I agree. This rule never made sense as medical debt is a real thing and it does impact someone’s ability to pay back a loan. The banks were never going to eat this cost, they were going to spread it to everyone else. The real problem is the cost of the medical care and with insurance. This is just something that sounded nice to the dem base.

It SLAMMED

Garmin would work and isn’t iOS or Android based

For me, this wasn’t too hard. Cheese on the other hand…that will be a challenge

Yeah until one of them wins

Yeah TBH I actually agree with a lot of your points but I still feel like you’re over simplifying this. The pre 1980s mental health institution had a whole other set of problems as well.