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iopq

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iopq
·2 jaar geleden·discuss
For example, payday loans are explicit in saying they will charge you a percentage of your payday for a 14 day loan. But if you do the math, it's about 1000% interest annually

It's not a crime either, but it's predatory
iopq
·2 jaar geleden·discuss
for people with credit over 800 the default rate must be extremely low

otherwise I wouldn't have this credit rating and the bank wouldn't trust me with over $100,000 credit limit combined over all of my credit cards

the reason I agree to this rate is because I never pay it, I loan from my broker instead where I pay like a few bips over LIBOR
iopq
·2 jaar geleden·discuss
They are smart enough to make all their grifts "fees" and "interest rates"

For example, charging 17% on a credit card bill when the interest rate is 5.25%

and that's on excellent credit like mine where I haven't missed a payment in almost 20 years
iopq
·2 jaar geleden·discuss
Yes, but they are categorized by phonetic mergers and splits. Once you understand which vowels tend to merge with each other (like the back vowels), it's not so hard
iopq
·2 jaar geleden·discuss
The most difficult ones are Scottish and Irish English, but they split earlier with some sound changes happening in the south of England in the 1600s that didn't happen in the north.

Standard Southern English and Standard American are mutually intelligible, modulo local slang
iopq
·2 jaar geleden·discuss
Yes, but they are perfectly understandable.

Compare to Chinese, where dialects that separated a few hundred years ago are not mutually intelligible. I mean like, different Hakka dialects that arose two hundred years ago are not understandable to each other.

1800s English is Pride and Prejudice, Frankenstein, etc. Imagine the language changed so much you can't understand any of it
iopq
·3 jaar geleden·discuss
They're not going to show you jerking off to the most immersive porn ever in their ad

But that's what majority of people would actually buy VR headsets would do
iopq
·11 jaar geleden·discuss
I was expecting something about a monk who had to report to two masters at the same time; but as he reported, the state changed, so they were never synced.

These are not the koans I was looking for.