Yay! Another free .PDF!
Yay! Another free .PDF!
F@+& yeah, bro! Get some hookers and blow to read it with!
Yay! Another free .PDF!F%!# yeah, bro! Get some hookers and blow to read it with!
asdfawop8ht09hq2[e4iofnaosd;lkjgnvadrg8iap9wh4tn3ofaisk;ldngaghhhhaipoek;ld fngzdsfggfdgadgoapihn3e09q293ripohjna;eogaenhropg9ahwe32q2H3Q
Q?
Yay! Another free .PDF!F%!# yeah, bro! Get some hookers and blow to read it with!asdfawop8ht09hq2[e4iofnaosd;lkjgnvadrg8iap9wh4tn3ofaisk;ldngaghhhhaipoek;ld fngzdsfggfdgadgoapihn3e09q293ripohjna;eogaenhropg9ahwe32q2H3Q
Q?
No.
I should be working. Whatever.
I should be working. Whatever.
Good god, man!
What is this I'm drinking? It's like a choc ice fell into a bucket of bleach... Children's booze!
Hello, can I speak to Emma please. Oh it's you. Yes it's me. How are you? I'm fine, I'm fine, actually no I'm not. I'm dead. NOT SO FUNNY NOW, IS IT?
Are you finished? Because that's rubbish.
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Why the devil would you advertise five job openings when you aren't currently hiring anybody, haven't been hiring anybody recently, and aren't going to hire anybody in the near future?
Ugh, don't get me started on "big corporate policies".
I'll tell you EXACTLY what happened: Two groups at a company decided to merge, or a smaller group elected to transfer from one department to another. By company policy, even though you already have the positions filled, you are required to publicly post the jobs. Some companies even require that you interview candidates you have no intention of ever hiring.
Corporate bureaucracy at its absolute worst.
Sorry, Rosita. I've been on the other side (for single hires, but not for groups). "But we're just transferring Rosita from Bob's department to John's. Why on Earth would we post the job externally?"
Clueless HR person: "Because you might find someone better-qualified than the one you're transferring."
It sounds like a reasonable stance from HR, but I've never seen a manager take such posted "jobs" seriously.
"Well, Rosita. We said we'd transfer you from Bob's department to John's, and you graciously agreed. But HR forced us to post the job, and we found someone better, so instead of getting transferred, you're getting fired. Them's the breaks."
Can I kill some zombies yet? I've been stuck in this stairwell for four g+%@@~n years!
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single hires
Singles? Oh boy!
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So, I don't think this belongs on "Funny s**t my kid says", so I'll just post it here:
As my "Kids & Teens" group floundered hopelessly against a quartet of small statues whose ONLY effective attack was Hypnotic Gaze, one of the 14-year-olds declared, "That's it! I need some alcohol! NH, where do you keep your alcohol?"
"Like I'd tell you."
So he searched my kitchen, and came back into the gaming room proudly carrying a bottle of Jura Superstition. My response, "Hey! If you're going to get me arrested by drinking my booze, at least drink the cheap stuff!"
The moment he realized he was handling something precious he gingerly put it away...
EDIT: If it weren't so highly illegal, next time I'd serve him up with a shot of Everclear and dissuade the lad from drinking. Ever. Again.
EDIT 2: And for those concerned, I knew darned well he wasn't going to drink it. They're only 14, and remarkably well-behaved for 14-year-old boys. There's only 1 in the group I think would even try it, and he wasn't there that day. Ask me again in 2 years. I think at that point I'll have to lock my cabinet.
Oh, by the way, Rosita, what line of work are you in? Our company is hiring tech writers like gangbusters, so if that's up your alley I'd be happy to put your resume into the chipper shredder employee recommendation site.
(Sorry. Still bitter about that one. Had a good friend looking for a QA job, and I knew the guys in the QA department, so I figured I could do him a solid and sent his resume through the system with a personal recommendation to the QA department. He never heard a peep, and my attempts to follow up were met with, "You have already submitted that resume to the system. Please be patient.")
Bleaaargh.
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EDIT: If it weren't so highly illegal, next time I'd serve him up with a shot of Everclear and dissuade the lad from drinking. Ever. Again.
Pffft... Children's booze!
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So he searched my kitchen, and came back into the gaming room proudly carrying a bottle of Jura Superstition. My response, "Hey! If you're going to get me arrested by drinking my booze, at least drink the cheap stuff!"
A buddy of mine was saving a 50-year-old bottle of Canadian Club for a special occasion. A couple of weeks ago, he came home to find that his roommate had drunk the whole thing in one sitting. In his words, that was "hella not cool," which is the angriest I think I've ever seen him get.
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EDIT: If it weren't so highly illegal, next time I'd serve him up with a shot of Everclear and dissuade the lad from drinking. Ever. Again.Pffft... Children's booze!
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New York City, man... F~&! pizza.I know, right? The pizza here in Syracuse is way better.
I see they still grind hallucinogenic mushrooms into pizza there.
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Why the devil would you advertise five job openings when you aren't currently hiring anybody, haven't been hiring anybody recently, and aren't going to hire anybody in the near future?Ugh, don't get me started on "big corporate policies".
I'll tell you EXACTLY what happened: Two groups at a company decided to merge, or a smaller group elected to transfer from one department to another. By company policy, even though you already have the positions filled, you are required to publicly post the jobs. Some companies even require that you interview candidates you have no intention of ever hiring.
Corporate bureaucracy at its absolute worst.
Sorry, Rosita. I've been on the other side (for single hires, but not for groups). "But we're just transferring Rosita from Bob's department to John's. Why on Earth would we post the job externally?"
Clueless HR person: "Because you might find someone better-qualified than the one you're transferring."
It sounds like a reasonable stance from HR, but I've never seen a manager take such posted "jobs" seriously.
"Well, Rosita. We said we'd transfer you from Bob's department to John's, and you graciously agreed. But HR forced us to post the job, and we found someone better, so instead of getting transferred, you're getting fired. Them's the breaks."
as usual, HR is nobody's friend.
Wait, I mean noONE's friend.
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The sad thing is, our recruitment department seems to be "manned" by genetically-engineered sadistic baboons.
Once you're hired, our employee HR department is easily the best I've ever dealt with. (How many times have you wanted your corporate VP to call your health insurance company and chew them out on your behalf? I filed a complaint and 6 hours later he was on the phone. "Our company gives you over $100 million a year in business, and THIS is how you treat our employees?"
I had my check in 2 days...)
I see they still grind hallucinogenic mushrooms into pizza there.New York City, man... F~&! pizza.I know, right? The pizza here in Syracuse is way better.
Well duh. That's what makes it so damn good.
Triangles, man. Triangles.
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If it weren't so highly illegal, next time I'd serve him up with a shot of Everclear and dissuade the lad from drinking. Ever. Again.
To hell with the law, film that and put it on Youtube. I wanna watch that so bad.
Oh, by the way, Rosita, what line of work are you in? Our company is hiring tech writers like gangbusters, so if that's up your alley I'd be happy to put your resume into the chipper shredder employee recommendation site.
I'm not really in a line of work at the moment. In the past, I've primarily been a library clerk, with some receptionist cred on the side. Right now, I'm looking for a part time job to pad my budget while at university, so I'm not really too concerned about what I do, though I certainly can't relocate or work outside San Francisco or the Peninsula.
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Seriously, though.New York City, man... F~&! pizza.I know, right? The pizza here in Syracuse is way better.
I must admit, Mark's is a good pizza. Haven't had it in years.
I'm not really in a line of work at the moment. In the past, I've primarily been a library clerk, with some receptionist cred on the side. Right now, I'm looking for a part time job to pad my budget while at university, so I'm not really too concerned about what I do, though I certainly can't relocate or work outside San Francisco or the Peninsula.
Hmm... part time is hard. I see 3 open receptionist positions in our peninsula office, but they're all full-time.
I'll check again tomorrow morning from the internal corporate site and see what I can find...
I'm not really in a line of work at the moment. In the past, I've primarily been a library clerk, with some receptionist cred on the side. Right now, I'm looking for a part time job to pad my budget while at university, so I'm not really too concerned about what I do, though I certainly can't relocate or work outside San Francisco or the Peninsula.Hmm... part time is hard. I see 3 open receptionist positions in our peninsula office, but they're all full-time.
I'll check again tomorrow morning from the internal corporate site and see what I can find...
I would greatly appreciate that!
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I would greatly appreciate that!I'm not really in a line of work at the moment. In the past, I've primarily been a library clerk, with some receptionist cred on the side. Right now, I'm looking for a part time job to pad my budget while at university, so I'm not really too concerned about what I do, though I certainly can't relocate or work outside San Francisco or the Peninsula.Hmm... part time is hard. I see 3 open receptionist positions in our peninsula office, but they're all full-time.
I'll check again tomorrow morning from the internal corporate site and see what I can find...
LOL. Well, I like to help people, but the hiring bonus I would get certainly doesn't hurt my feelings at all...
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On Monday I walked past a quirky old used book store, and had a look around. I found an anthology of dirty limericks published in the 1960s, with detailed footnotes about the origins. Many go back to the 1870s and earlier.
And they are filthy as f!%+. I love it.
I had no idea people said c&+! back then.
On Monday I walked past a quirky old used book store, and had a look around. I found an anthology of dirty limericks published in the 1960s, with detailed footnotes about the origins. Many go back to the 1870s and earlier.
And they are filthy as f@&@. I love it.
I had no idea people said c$!+ back then.
bring a few choice ones with you when we pomme.
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There was a woman on the bus today who looked exactly like Wee Jas, but I didn't go up to her and say, 'Hello. You are the Goddess of Love and Death and I wish to worship you'. That would have been creepy!
On Monday I walked past a quirky old used book store, and had a look around. I found an anthology of dirty limericks published in the 1960s, with detailed footnotes about the origins. Many go back to the 1870s and earlier.
And they are filthy as f%**. I love it.
I had no idea people said c##% back then.
please! c&~@ is one of the oldest words around. I'm actually pretty sure it goes back to the proto-Germanic period.
in the Old English period, the word existed.
Honestly back in the day it was just The Word for the genitalia and it was only later on that it took a semantic shift in a derogatory direction.
Imo the latin word for the orifice is worse. I hate it. it literally just means 'sheath'.
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Oh good, I always wanted more internet drama. *Sighs while sifting through inboxes*
There was a woman on the bus today who looked exactly like Wee Jas, but I didn't go up to her and say, 'Hello. You are the Goddess of Love and Death and I wish to worship you'. That would have been creepy!
Well the least you could do is grovel at her toes :-)
I had a dream in which Putin invited himself in for dinner and there was nothing we could do about it
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There was a woman on the bus today who looked exactly like Wee Jas, but I didn't go up to her and say, 'Hello. You are the Goddess of Love and Death and I wish to worship you'. That would have been creepy!
it would have been creepier not to!
So, as I understand, failing to make your monthly payments and so forth can damage your credit score.
And if lenders see you have a bad credit score, they can charge you more interest on your loans.
But if you are struggling financially to begin with, and making payments was already a problem for you, then you'll have even worse of a problem with higher interest.
so how does the lender expect to make money back just by inflating the interest owed? in fact it seems to me they'd be more likely to lose money by raising the interest than by keeping it the same.
but then again, I'm not financially literate. maybe there's something I'm missing here.
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So, as I understand, failing to make your monthly payments and so forth can damage your credit score.
And if lenders see you have a bad credit score, they can charge you more interest on your loans.
But if you are struggling financially to begin with, and making payments was already a problem for you, then you'll have even worse of a problem with higher interest.
so how does the lender expect to make money back just by inflating the interest owed? in fact it seems to me they'd be more likely to lose money by raising the interest than by keeping it the same.
but then again, I'm not financially literate. maybe there's something I'm missing here.
The lender assumes a higher percentage of the people with poor credit will default on the loan than would be true in the broader population. Charging higher interest increases the revenue received to compensate for the payments they won't be getting.
It's risk pooling, like charging smokers more for life insurance. Some of those smokers may live to 100, but the insurance companies have to charge more to offset the early payouts for those who die young.
Doesn't mean it doesn't bite for people who are struggling to actually have to pay more, but there's a certain logic to it.
So, as I understand, failing to make your monthly payments and so forth can damage your credit score.
And if lenders see you have a bad credit score, they can charge you more interest on your loans.
But if you are struggling financially to begin with, and making payments was already a problem for you, then you'll have even worse of a problem with higher interest.
so how does the lender expect to make money back just by inflating the interest owed? in fact it seems to me they'd be more likely to lose money by raising the interest than by keeping it the same.
but then again, I'm not financially literate. maybe there's something I'm missing here.
The lender assumes a higher percentage of the people with poor credit will default on the loan than would be true in the broader population. Charging higher interest increases the revenue received to compensate for the payments they won't be getting.
It's risk pooling, like charging smokers more for life insurance. Some of those smokers may live to 100, but the insurance companies have to charge more to offset the early payouts for those who die young.
Doesn't mean it doesn't bite for people who are struggling to actually have to pay more, but there's a certain logic to it.
Ok, so the higher payments successfully made by someone with a poor credit score is making up for those who fail?
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Ok, so the higher payments successfully made by someone with a poor credit score is making up for those who fail?So, as I understand, failing to make your monthly payments and so forth can damage your credit score.
And if lenders see you have a bad credit score, they can charge you more interest on your loans.
But if you are struggling financially to begin with, and making payments was already a problem for you, then you'll have even worse of a problem with higher interest.
so how does the lender expect to make money back just by inflating the interest owed? in fact it seems to me they'd be more likely to lose money by raising the interest than by keeping it the same.
but then again, I'm not financially literate. maybe there's something I'm missing here.
The lender assumes a higher percentage of the people with poor credit will default on the loan than would be true in the broader population. Charging higher interest increases the revenue received to compensate for the payments they won't be getting.
It's risk pooling, like charging smokers more for life insurance. Some of those smokers may live to 100, but the insurance companies have to charge more to offset the early payouts for those who die young.
Doesn't mean it doesn't bite for people who are struggling to actually have to pay more, but there's a certain logic to it.
That's it in a nutshell.
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It's yet another example of penalizing the poor. I worked at a bank where we implemented subprime lending. When I questioned it (meaning ethically), the accounting manager answered, "No problem, if they can't make their payments, we have the house we can sell." So, that's their philosophy. Of course, I don't think the banks realized how many properties they would end up owning. But yeah. No compassion. No attempt to actually HELP people. Just profit-sucking vampires.
Oh, and if you're TOO poor, don't bother trying to get a bank account. They'll shuffle you off to payday/title loan companies that take a hefty chunk of your check to actually cash it.
F+@$ the poor!
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I'm feeling better. ;)
Hey I'm f%!&ing poor!
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Anyone who has ever struggled with poverty knows how extremely expensive it is to be poor.
James A. Baldwin
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Anyone who has ever struggled with poverty knows how extremely expensive it is to be poor.
James A. Baldwin
well said.
I'm feeling better. ;)
good to hear.
Yeah, my friend's fax number just happened to be the same as a bank fax number, with a different area code. Seeing car loans in the 20-30% APR rate for people with low credit just depressed him.
And the REAL issue is that people "of means" can just walk away, while the people the banks love to hose can't. I was happily carrying a balance on a Capital One credit card with their "7.9% forever" rate. Just before the "you can only raise interest rates by so much per year" act (what was that? 2008?), I received a notice that my interest rate was being raised to 23.9%. With a credit score of just under 800, and having never missed a payment.
I checked my service agreement, and there was diddly-squat I could do. In spite of their ads saying, "7.9% forever", their true agreement said they could change the rates to any amount at any time.
I was fortunate in that I could rearrange my funds and pay off and cancel the card.
What would someone without that luxury have done, relying on a credit card that promised them "7.9% forever" and then unceremoniously tripling it with 30 days' notice?
In the saddest follow-up ever, two months later Capital One was calling me, asking, "Why did you cancel your card? You were a great customer!"
Stupid Capital One. And yes, I'm happy to call them out by name for that. Over. And over. And over again.
Uh-oh. I think we're getting political on FaWtL again.
Happy thoughts... happy thoughts... happy thoughts...
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Complaining about financial woes IS NOT political unless you are specifically blaming a political party or entity.
Where do you live that people just fire bikes through your front windows? What a strange and potentially profitable neighborhood.
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Why the devil would you advertise five job openings when you aren't currently hiring anybody, haven't been hiring anybody recently, and aren't going to hire anybody in the near future?Because the world is an uncaring, cruel place, born from carelessness and inaction, rather than malice.