My bathtub and toilet are blocked again. 3rd time in 2 weeks. My landlord is about to freak out (not at me, but simply because we can't figure out why).
If we use a 365 day year, APR is 8,703,846%.The time was overnight, so 1 day.31 / .13 = 23846%That's the nominal percentage paid. But APR is the annualized rate. We would need to know how many days the account was overdrawn by 13 cents to know how long Treppa had use of that prime capital. If, for instance, she left the account overdrawn for 3 business days, you'd have to multiply that percentage by: (number of business days in the year)/3.
Seems fair.
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If we use a 365 day year, APR is 8,703,846%.
Sometime in the 1980s, my uncle, who was a banker (he owned two banks) told me that of the five bucks my bank charged me for an overdraft, seventy-nine cents actually went to pay for the bank's processing of the overdraft. I doubt the cost has increased much over the years.
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When Glass-Steagall was gutted, banks were put into competition with brokerage houses. So banks, who had been rolling along happily giving decent interest rates on savings (not great, but no risk) and covering customer costs using the difference in interest rates between their loans and savings/CD rates, suddenly had to increase their return to complete. So they started raising rates of return and charging for every little thing that cost them money instead of covering them from their profits. And those charges escalated as they became profit centers and the big banks started cranking those charges up - little ones followed. Because why not?
Then, subprime lending reared its ugly head, and banks found they could make great profits from home loans to poor people AND have the houses to sell once these poor people hit a snag in the road and defaulted.
I was proud to work in the banking system for a while. Then it all went to profit- and shareholder-motivated hell.
When Glass-Steagall was gutted, banks were put into competition with brokerage houses. So banks, who had been rolling along happily giving decent interest rates on savings (not great, but no risk) and covering customer costs using the difference in interest rates between their loans and savings/CD rates, suddenly had to increase their return to complete. So they started raising rates of return and charging for every little thing that cost them money instead of covering them from their profits. And those charges escalated as they became profit centers and the big banks started cranking those charges up - little ones followed. Because why not?
Then, subprime lending reared its ugly head, and banks found they could make great profits from home loans to poor people AND have the houses to sell once these poor people hit a snag in the road and defaulted.
I was proud to work in the banking system for a while. Then it all went to profit- and shareholder-motivated hell.
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Hey, when did I get this ring?
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I'm always intrigued by historical/obscure languages. I'd like to learn Middle English/Old Norse/Faeroese/Basque/Latin/GaelicI took Latin all through high school. It has made Romance languages very accessible to me.
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That was my thought. Also, it makes good role playing fodder. And you can read old forbidden texts!
>.>
<.<
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You know, if you were into that sort of thing....
My bathtub and toilet are blocked again. 3rd time in 2 weeks. My landlord is about to freak out (not at me, but simply because we can't figure out why).The sewer line could be blocked, by tree roots and such, and need a good roto-rooting.
True, true. We got it running again, but I think the next time it happens my landlord may call a pro. He just paid for a new roof on my house so I don't blame him for trying to keep things going himself when it comes to plumbing costs.
*sigh*
Is it Saturday yet?
I'm always intrigued by historical/obscure languages. I'd like to learn Middle English/Old Norse/Faeroese/Basque/Latin/GaelicI took Latin all through high school. It has made Romance languages very accessible to me..
That was my thought. Also, it makes good role playing fodder. And you can read old forbidden texts!
>.>
<.<
>.>You know, if you were into that sort of thing....
Patrick PM me about tomorrow!
If it's like when it happened to me, the rooting only cost $135. Not too expensive, especially compared to a roof.
That's not too bad at all. I'll tell him next time it happens... lol
What time are you coming into NY? And where are you staying?
about 2 ish, and St. Marks down by Astor Place
I may not be able to make it now either, will let you know by tomorrow ;-(
Boo!
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On the train to NYC. T MINUS 45 MINS!!
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True, true. We got it running again, but I think the next time it happens my landlord may call a pro. He just paid for a new roof on my house so I don't blame him for trying to keep things going himself when it comes to plumbing costs.My bathtub and toilet are blocked again. 3rd time in 2 weeks. My landlord is about to freak out (not at me, but simply because we can't figure out why).The sewer line could be blocked, by tree roots and such, and need a good roto-rooting.
Heh, this sounds familiar.
I was renting a house while in college (Me, the now -X and kids, no roommates) and our plumbing kept getting clogged up. Our property manager got very 'uptight' with me, when we were certain that we were doing nothing wrong. (At one point he accused me of dumping kitty litter down the drain. WTF?!?!?) :PAbout the 4th time the plumber was called I spoke with him. Turns out this plumber actually installed the drain line. ALso turns out that our house was Y-connected with the next door house drain -wise. And the clog was happening at the Y junction. And the cause was from what our neighbor was dumping down the drain, not us. ;)
On the train to NYC. T MINUS 45 MINS!!
WOOT WOOT!
Have fun guys!
Don't do anything I wouldn't do! :)
And definitely don't do anything I WOULD do. ;)
Yeah, there's a little grey area in there somewhere. That's where you have fun! :P
</Tony Stark Voice>
:D
About the 4th time the plumber was called I spoke with him. Turns out this plumber actually installed the drain line. ALso turns out that our house was Y-connected with the next door house drain -wise. And the clog was happening at the Y junction. And the cause was from what our neighbor was dumping down the drain, not us. ;)
The first time this happened was 2 years ago, and that time it was the Y junction from the neighbor's house.
About the 4th time the plumber was called I spoke with him. Turns out this plumber actually installed the drain line. ALso turns out that our house was Y-connected with the next door house drain -wise. And the clog was happening at the Y junction. And the cause was from what our neighbor was dumping down the drain, not us. ;)The first time this happened was 2 years ago, and that time it was the Y junction from the neighbor's house.
??? That is just too funny to be coincidence. You aren't in Oklahoma by any chance, are you?!? :)
LOL no, but next door in Arkansas.
Check your PM when you arrive Patrick.
*sigh* Another not-quite-sober call from my father about his YouTube discoveries...
*sigh* Another not-quite-sober call from my father about his YouTube discoveries...
What is he discovering?
A client called today and said she'd received a text message from me at 2:30 this morning.
I sent the message at 3 pm Thursday.
I give up! I don't know how many times my service has lost texts, delayed texts, dropped calls, not logged missed calls, not taken voice mails -- I'm done. But waking up my clients, no way. T-Mobile will soon be in my rear view mirror. I am switching to Google's Project Fi and saving about $75/month.
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What is he discovering?
People talking about politics, history, economy... Revealing things my father apparently didn't know, armchair expertise on all of those topics, and mixing in various kinds of inaccuracies and bull-shit...
Probably exaggerated by my father's not-always-the-most-sound-ideas. He somehow imagined that before Great Depression and a Gold Reserves Act of 1934 a $20 bill had a strip of gold that was actually worth $20. I had to explain to him basics of Gold Standard and paper money...
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I would direct him to watch Extra Credits instead, but his spoken English might not be up to the task... They also don't focus on Polish history.
Fie upon t mobile! They screwed me over once! NEVER AGAIN!
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The 2017 eggcorn of the year award goes to yesterday's customer, who introduced me to the word "antidope."
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Drinking at Lovecraft with CH AND FHDM. Ora pro me
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Oh to be in New York now that Treeforters are there.
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I would love to have you here, treppa.
I'd love to be drunk there!
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Why aren't I wearing a top hat and spatz?!
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And now ... waffles!
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Don't tell anyone, but FHDM is kind of drunk
Mum's the word.
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I am not kinda drink. I'm Judy drink.
Off to work. :)
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CH too. His husband is hilarious, BTW
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The green fairy is my b$#~$! Ha! No hangover! And I remember much of last night! HAHAHHAHAHAHHAAAAAAAA
And more than one...