Random Painters and Maids Intercoursing

by **CalvinBall** » Thu Nov 13, 2014 10:55:05

not about credit in general, but i thought paying my student loans on time positively impacted my credit score. so i thought i was good.

by **Bill McNeal** » Thu Nov 13, 2014 10:57:21

Yes paying student loans does help your credit, but you do need a credit card as well. When you are going to buy a house, you will need to show that you can "handle" credit, what Fannie mae and Freddie mac require to exhibit that are a certain number of satisfactory active trade lines on your credit report. It's not just buying a house either, if you do this, you will get better car loan rates as well as credit card rates. One thing you can do if you don't want to really use a credit card for purchases, is set it to automatically pay something like your cell phone bill every month and then just pay your credit card bill from your bank account. Credit cards generally give you 25 (+\-) days of grace for interest, so if you just pay the card off every month you won't pay any interest charges.

by **TomatoPie** » Thu Nov 13, 2014 11:09:21

CalvinBall wrote:Where do we post the kardashian butt pic

I put one on the inside of my gym locker

by **TomatoPie** » Thu Nov 13, 2014 11:15:21

Bill McNeal wrote:Basically, net neutrality means that all content on the Internet is delivered at the same priority. So if you use your Comcast Internet connection to access google, aol, spotify or Netflix, it is all delivered at the same speed/priority (network conditions and distance etc. may affect that speed, making some services faster than others, but that would be a "natural" thing happening).

What Comcast, att, Verizon, etc. want to do, is make it so you (or someone) would have to pay to access things. Maybe they will make streaming video from third party services a higher tier or sell a social media package where the only things you can access are Facebook, Twitter, etc. and then you would have to pay for a "premium" tier to access other things, or make you view ads in exchange for certain access.

As a consumer, you don't want this. If you get 300 gb of access a month, then it can be porn, music, spreadsheets or whatever. Open access to the net.

Here's a different POV, and it matches mine.

http://online.wsj.com/articles/andy-kes ... 1415665771

It's dumb - prima facie - that Netflix should be able to hook its content firehose to Comcast and pay the same amount as others do for their occasional garden hose connection. Should the car wash pay the water utility the same amount as the cupcake store?

The push for net newt is indicative of how little anyone - especially government - understands how it works. The Internet thrives and grows without nanny bureaucrats required to approve rates and technologies.

Net Noot is a lovely concept -- and one that government is entirely inept to manage.

by **TomatoPie** » Thu Nov 13, 2014 11:40:28

CalvinBall wrote:Where do we post the kardashian butt pic

by **BigEd76** » Thu Nov 13, 2014 12:22:51

The frontal one looks Photoshopped, but hey....boobs

by **Soren** » Thu Nov 13, 2014 12:38:19

TomatoPie wrote:
Bill McNeal wrote:Basically, net neutrality means that all content on the Internet is delivered at the same priority. So if you use your Comcast Internet connection to access google, aol, spotify or Netflix, it is all delivered at the same speed/priority (network conditions and distance etc. may affect that speed, making some services faster than others, but that would be a "natural" thing happening).

What Comcast, att, Verizon, etc. want to do, is make it so you (or someone) would have to pay to access things. Maybe they will make streaming video from third party services a higher tier or sell a social media package where the only things you can access are Facebook, Twitter, etc. and then you would have to pay for a "premium" tier to access other things, or make you view ads in exchange for certain access.

As a consumer, you don't want this. If you get 300 gb of access a month, then it can be porn, music, spreadsheets or whatever. Open access to the net.

Here's a different POV, and it matches mine.

http://online.wsj.com/articles/andy-kes ... 1415665771

It's dumb - prima facie - that Netflix should be able to hook its content firehose to Comcast and pay the same amount as others do for their occasional garden hose connection. Should the car wash pay the water utility the same amount as the cupcake store?

The push for net newt is indicative of how little anyone - especially government - understands how it works. The Internet thrives and grows without nanny bureaucrats required to approve rates and technologies.

Net Noot is a lovely concept -- and one that government is entirely inept to manage.

http://www.dailydot.com/politics/anti-n ... t-journal/

by **TenuredVulture** » Thu Nov 13, 2014 13:24:22

It seems to me from a consumer perspective that the argument against net neutrality hinges on a competitive market for ISPs that will prevent them from denying people the content they want and pay for. But really, how competitive is the market for broad band today? At the very least, the assumption that competitive forces will protect consumers is pretty suspect given the nature of broadband delivery. I mean, if I decide google is evil, it's pretty easy to find a new search engine.

To put it simply--I've had a lot more negative experiences with ISPs than I've had with any content provider. So, fuck the ISPs.

by **drsmooth** » Thu Nov 13, 2014 13:36:14

TomatoPie wrote:
Here's a different POV, and it matches mine.

http://online.wsj.com/articles/andy-kes ... 1415665771

It's dumb - prima facie - that Netflix should be able to hook its content firehose to Comcast and pay the same amount as others do for their occasional garden hose connection. Should the car wash pay the water utility the same amount as the cupcake store?

The push for net newt is indicative of how little anyone - especially government - understands how it works. The Internet thrives and grows without nanny bureaucrats required to approve rates and technologies.

Net Noot is a lovely concept -- and one that government is entirely inept to manage.

Regulatory capture - look.it.up. Next to insurers, telcos are your best real-world exemplars of the concept.

Telcos are far worse than practically any state's DMV at customer service. You'd call them inept, except that they erect barriers to customer service INTENTIONALLY - and then ensure their deplorable behavior becomes the regulatory order of the day.

I don't want them having yet another opportunity to collect obscene rents on their pernicious behavior.

by **TenuredVulture** » Thu Nov 13, 2014 14:19:39

I really do think the internet isn't cool anymore. I think a colonial metaphor is apt. At first, the place was dominated by explorers and adventurers. We know these weren't always the nicest people, and some of them did some very bad things. But they thrived in the largely unregulated and unexplored new territory that was called cyberspace. They took great risks, and a few reaped great rewards. Others were like Sir Walter Raleigh. Today, we have Google, a technological equivalent of the British East India Company.

(It's no mere coincidence that one of the big interweb companies is called Amazon.)

by **drsmooth** » Thu Nov 13, 2014 14:21:01

In this still-brilliant long essay, originally published almost 14 years ago(!), Andrew Odlyzko makes the case that the anti-net-neutrality telcos - and maybe even the pro-neutrality rabble - are barking up the wrong elevator shaft

Content is Not King

if that piece is too long for you, or you've already read it (pro tip: you should have), fast forward to today - ok, last week - for a briefer Odlyzko update:

Broadband Expert Andrew Odlyzko Warns Telecom Investors That Industry Has Its Math Wrong, Again (11/4/14)

by **TenuredVulture** » Thu Nov 13, 2014 16:24:15

Another scummy thing about telecoms is how they charge higher prices for things that should be cheaper. In the old days, for instance, you had to pay extra for touch tone dialing (as opposed to the old fashioned pulse dialing system) even though it was much cheaper for the phone company if you used touch tone dialing. Same with text message versus voice call--if companies were pricing things based on bandwidth usage, texting should be free. I guess pretty much everyone now gets unlimited texting, but it wasn't always that way. The point is, pricing has nothing to do with the cost of delivering the service, and everything to do with charging whatever the traffic will bear.

by **Bucky** » Thu Nov 13, 2014 16:32:13

SOCIALIST

by **EndlessSummer** » Thu Nov 13, 2014 23:23:52

I have a 6:55 am train from Philly to DC tomorrow that my work bought the ticket for. I want to hop on it at Wilmington instead to get a little more sleep. I'd assume this wouldn't be a problem but anyone have any insight?

by **swishnicholson** » Thu Nov 13, 2014 23:36:34

CalvinBall wrote:
z ipper wrote:
CalvinBall wrote:i dont own a credit card

feel like we have talked about this before but just have never pulled the trigger even just to use it to pay back student loans.

do yourself a favor and get one asap. it's stupid but you basically need to be establishing credit history. gonna save you a lot of trouble later for car/house/fridge etc.

doesnt paying back loans help establish a credit history for me?

It really sucks, but you do need to get a credit card. I was like you and didn't have one in my 20s. First time running into problems was when I bought an engagement ring. I had cash to pay but they really pushed a delayed payment plan so I said why not, since in those days money set aside could actually gain interest. Next day they called me back and treated me like I was trying to put something over on them because I didn't have enough of a credit history. Had to walk down there that day with a certified check (though I feel like I should have just walked away from them now, since they were such jerks about it). One nice aspect of cards now is that they put your credit score right on the statement so you can see where you stand. And there are still no fee cards out there that if you pay off on time won't cost you anything.

by **Bucky** » Thu Nov 13, 2014 23:38:56

when you board, make sure the train # is the only thing prominent*, not the departure station. They do just a cursory check, so I'm not really sure they'd say anything even if they noticed, but best to not even tempt the hassle. Once on the train, it's not an issue, since they have little concept of when you boarded and as long as they get a good beep on the scanner they'll pass right on by.

It's a supply/demand pricing system- so there's a chance (a small, probably nonexistent one in this specific circumstance) that the shorter trip has a higher fare than the longer trip. So they're only supposed to let people board at the station noted on the ticket.

*- edit: on your ticket at you pass by the ticket-checker-person at the boarding gate. fold it or hold your thumb over the station of something clever like that.

by **BigEd76** » Thu Nov 13, 2014 23:44:57

CBalls, the school loans get dropped from your credit history a few years after you pay them off. They don't stay on forever

by **Bucky** » Thu Nov 13, 2014 23:47:19

unless you default. then it gets recorded on your tombstone.

by **EndlessSummer** » Thu Nov 13, 2014 23:57:42

Bucky wrote:when you board, make sure the train # is the only thing prominent*, not the departure station. They do just a cursory check, so I'm not really sure they'd say anything even if they noticed, but best to not even tempt the hassle. Once on the train, it's not an issue, since they have little concept of when you boarded and as long as they get a good beep on the scanner they'll pass right on by.

It's a supply/demand pricing system- so there's a chance (a small, probably nonexistent one in this specific circumstance) that the shorter trip has a higher fare than the longer trip. So they're only supposed to let people board at the station noted on the ticket.

*- edit: on your ticket at you pass by the ticket-checker-person at the boarding gate. fold it or hold your thumb over the station of something clever like that.

I was just going to show it on my phone. Which I don't think I can hide the big PHL on. Unless I zoom in on the bar code but they don't usually scan them. Dammit. Now I'm second guessing it.

by **TenuredVulture** » Fri Nov 14, 2014 00:01:09

I dunno. 30th St. is pretty awesome at 6 am.

Actually, though, if i remember correctly, that train can get crowded, and everyone is pretty much getting off in DC. (The train home will be worse. Apparently, no one with any options wants to be stuck in DC over the weekend.)

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