That’s MacRumors baybee

TX DPS and APD have a long history of violating constitutional rights.

UT Austin Supports Free Speech

Idk about the middle unless they can make it more convenient than Chicago’s passenger rail system. Sometimes you’ve gotta do this ridiculously long detour to cross the pedestrian bridge because they put transit stops in the middle of the highway. Like sorry but a highway is not a destination.

Well thankfully there’s both settings to turn those features off and settings to customize your own text replacement built right into the OS. So yeah, the users can indeed decide what they want to say/do.

Nope that requires them to do the job they signed up for instead of collecting OT and extra pay as a security guard on the side. Someone on Reddit a year ago literally had camera footage with the faces of everyone who broke into their car and it wasn’t good enough. Hell, the dealership I just bought my car from had three employee cars broken into two days after mine was.

These criminals are playing with fire though in Texas with how many people own guns. Plus our penal code technically allows you to shoot to stop a crime in specific circumstances.

You’re implying the police would give enough of a fuck to do their job in the first place. I called because I saw my car was smashed into while walking my dog and the burglars were literally still there. Suspects ran when I saw them hitting another car. Cops were like ‘oh there’s not a present danger and since nobody was assaulted just file a police report’. Report was closed a day later.

What should I expect honestly. There was deadass a house here getting shot up every few months and not a damn thing happened. But it’s okay they only have the largest budget line item in the city by far and whine about it not being enough so the struggle must be real.

Sorry but I’m going to sound very corpo for a sec:

I perform significantly better in my role when I’m not in the office. It’s too distracting and I HATE being perceived. Had a major surgery and got out of hybrid for 6 months and both quarters were insanely above my usual kpis. Like, in Q1 of this FY I’ve managed to outperform I did in H1 last FY.

Granted some of that comes from an additional year of experience. But when I’m left the heck alone I shine. Now if I could have less of a customer-facing role and still make the same salary…

Sorry you’re getting downvoted, OP. Sometimes it not worth the effort to reply here. Too many people think they are better than others.

English isn’t my first language. I read your comment as one that advocates for education vs fixing the problem. I’m so sorry. No need to be a jerk :(

Edit: actually I think I’m probably done with Lemmy. People are way too quick to insult and it’s not worth putting in effort on productive comments here. Have rarely felt so unwelcome on a platform.

Yeah but ‘just be financially literate bro. It’s your fault if you get taken advantage of when buying something you’re almost required to own’. Goodness that felt gross to write.

Saying “educating people is a lot easier than fixing the system” is not as easy as actually educating people. Telling people on lemmy to build an amortization schedule is like pissing in a lake of piss. We’re a bunch of frugal nerds.

What exactly would an effective system to educate people on loans look like in the US? Either all 50 states would have to agree to mandate financial literacy in every school or the federal Department of Education would. Then each school has to adopt the policy and make sure teachers are equipped to teach while having a benchmark/test to show it’s effective. That brings in a private company to develop the test and education material. Then you have schools who can barely hang on to teachers that are qualified enough to teach. Some districts are at the point where they just need warm bodies to be babysitters.

So let’s say we develop a robust financial literacy program in all US schools. Say Biden’s Education Secretary makes it their agenda and 50 states agree to take this on and mandate it for their public schools. That still leaves massive gaps in our system. Anyone older than the initial cohort will be at a disadvantage. Anyone from a non-English speaking background or is mentally handicapped will be at a disadvantage. You’d need edge cases to educate them.

So tell me is it really, truly easier to educate people and fix the problem that way? Or would it be easier to pass policy that prevents or mitigates predatory lending behavior in the first place? In an ideal world we would have both!

I know Lemmy users hate being told they are wrong so go ahead and downvote me. It’s not like I’ve spent a third of my life working with the government and studying policy or anything.

Dude my 60 year old aunt from Mexico can barely speak English and didn’t finish high school because she had to work. She can barely figure out how to use a phone. Do you think she’s gonna know how Google works? Guess what she needs to own in order to get to work every day? A car!

It’s not as simple as putting everything on the responsibility of the consumer when at times those things can be a necessity. There have to be protections in place to prevent predatory behavior.

People don’t always have the understanding that those exist nor understand how and when to negotiate rates. If you don’t speak English very well, that’s an even bigger problem. Honestly, the best scenario would be a requirement to show the amortization schedule in an easy to understand visual format before someone agrees to sign a loan offer.

No it sounds like she got a shitty interest rate and it never occurred to her that said interest rate would mean paying just interest for years before touching the principal. Something around a 15% interest rate with no money down would probably give her that result. And yeah that’s very much an offer a credit lender will make when they know they can repo the car for extra profit when the borrower defaults. The car has to be insured. The lender literally cannot lose.

Here’s a Consumer Reports article cited by Vox. It’s got a few examples to help substantiate the claims it’s making.

The investigation begins with an anecdote about a man who received disability payments from the Social Security Administration; he received a loan for a Jaguar with an astonishing annual percentage rate of 75 percent.

Fucking WHAT?! It should be so illegal to try to take advantage of someone who doesn’t understand finances. I get that you really should understand the basics of finances and interest before you spend that kind of money. But also cars are such a necessity here that not everyone who buys one is going to be well-educated, speak good English, fully literate, or without a learning disability.

Before anyone tries to pull the “it’s the buyer’s fault” line before on me before reading the article, here’s some great excerpts showing how scummy these lenders are:

… men recently released from prison who found that their credit histories prevented them from getting reasonable loans at affordable interest rates…“A lot of people we were interviewing were driving pretty fancy cars. We were stroking our chins, going: ‘How did you afford that?’ It turned out that some of them were walking into dealerships and being told they couldn’t get financing for the Hondas they wanted, but could for a top-of-the-line Mercedes”… “Why would a lender and dealer do that? Because they know they’re going to be able to repossess the car quickly.”

Look, I am in sales. I know exactly how people can run you around in circles bullshitting you into closing before you realize how bad of a deal you’re getting. It’s what I look out for when interviewing, because I’ll walk if that’s the culture your product or company has around it.

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