harryh

69 ms·

751.
by harryh 7y ago
Based on everything I have read, as well as my own personal experience, I think you are exaggerating the seriousness of the situation. Do you have any evidence of this being the case?
752.
by harryh 7y ago
So everyone with bad or no credit is locked out of the rental market? That....doesn't make a lot of sense. Where are they living?
753.
by harryh 7y ago
That has not been my experience or the experience of many people that I know. Property managers care about risk. The risk of someone with low/no credit can almost always be mitigated with cash. I discuss issues with renting cars and ho
754.
by harryh 7y ago
many other things which are self evident. I'm not being defensive. I just honestly do not understand what point you are trying to make. I think that the things that you think are self evident are not self evident to me. Perhaps that
755.
by harryh 7y ago
I have personally paid for hotel rooms at incredibly popular major hotel chains using a debit card. You can also definitely rent a car some some of the major carriers without a credit card. See: https://www.bankrate.com/pers
756.
by harryh 7y ago
Are you trying to say "not everyone has the cash on hand to put down a bigger security deposit?" If that's what you are trying to say, just say it. If that's not what you are trying to say then I don't understand yo
757.
by harryh 7y ago
Yes, some of those things (not the hotel room though, a debit card will do just fine for that) become more complicated without a credit card. But that is because you are, essentially, asking someone to loan you money. As soon as you start d
758.
by harryh 7y ago
Opening a plain jane checking account won't impact your credit report. Neither will the vast majority of accounts with electric or other utility companies. If a fraudster does something in your name, you can get things corrected. I agr
759.
by harryh 7y ago
It's easy for anyone. Credit cards aren't an essential service necessary for modern life.
760.
by harryh 7y ago
It's easy to sign a lease with no credit history. At most they'll just ask for a bigger security deposit.
761.
by harryh 7y ago
Heh, ok. I think we're agreeing then. :) Definitely some variation from state to state. And definitely some restrictions due to things like FERPA and other privacy laws. But I think it's good for state university employees to know
762.
by harryh 7y ago
Yes, if you want people to loan you money at low interest rates you have to agree to the system whereby if you don't pay things back the system will keep track of that and not loan you money at such low rates again. That seems pretty r
763.
by harryh 7y ago
You can easily get through modern life without taking out a loan from the financial system. I'm 41 years old and I've never had a home or car loan. I have credit cards, but I easily could have gotten by using debit cards instead.
764.
by harryh 7y ago
I'm comfortable with the idea that "if you take out a loan, but don't pay us back, we're going to tell other people that you're a bigger credit risk" is an absolute requirement to provide the service. It's
765.
by harryh 7y ago
It's not like that at all. When you take out a loan or credit card you sign a legal document agreeing to all of the various terms. You don't sign anything when visiting a website.
766.
by harryh 7y ago
Equifax tracking is opt-in. It's a term on any loan or credit card you take out.
767.
by harryh 7y ago
OK, you're correct that it's not the federal FOIA law that is the issue, but most states have similar state laws that have been used in the past for this sort of thing. See, for example: https://www.acenet.edu/the-
768.
by harryh 7y ago
Yes.
769.
by harryh 7y ago
You can generally do the same thing in the US for emails to/from public university addresses with a FOIA request. This seems kind of wild to me, but apparently it works.
770.
by harryh 7y ago
Well, they bought earn/21 for 100M just as a favor to bail out some investors that had money in both companies. It was a completely failed company that had burned through 100M+ in capital. That was pretty weird.
771.
by harryh 7y ago
This is correct. "Inflation is always and everywhere a monetary phenomenon in the sense that it is and can be produced only by a more rapid increase in the quantity of money than in output." -Milton Friedman
772.
by harryh 7y ago
My view: The entire cryptocurrency ecosystem is fundamentally a grift, so it's not surprise that we see lots of unsavory behavior: power grabs, people cashing out early, an unwillingness to work together, a lack of coherent vision. And
773.
by harryh 7y ago
That dude is kind of the worst.
774.
by harryh 7y ago
I'm fairly certain that his "career" is mostly based on living off the money he got from this: https://www.adweek.com/digital/facebook-announces-settlement...
775.
by harryh 7y ago
It's important to understand that Greenspan (who, incidentally, comments on hacker news a fair bit as https://news.ycombinator.com/user?id=thinkcomp and submitted this link) is not an unbiased observer here. He's
776.
by harryh 7y ago
Lots of different chat software had easy onboarding & offboarding as well as persistent messaging before Slack and none of it was successful in the same way.
777.
by harryh 7y ago
Nearly all users continuously run web browsers these days and they all consumer a lot more ram than slack.
778.
by harryh 7y ago
The difference between an 8GB macbook air and a 16GB maxbook air is $200, not $1000. Lot's more options in PCs obviously, but 2 minutes of googling found a 16GB XPS13 $580 more than the 8GB version. Again, not $1000. I'm sure with
779.
by harryh 7y ago
What is the reason?
780.
by harryh 7y ago
If there has been no real gain in functionality, then why is Slack hugely popular while IRC is used by almost no one? Perhaps you aren't giving credit to functionality that is important to people other than yourself?

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