throwawaycert

8 ms·

1.
by throwawaycert 7y ago
Snark is a normal interaction in civilized society and academia and has been throughout recorded history. It has nothing to do with the internet. Feel free to delete my account from your bubble of ignorance.
2.
by throwawaycert 7y ago
“Don’t be human.” Noted. Feel free to delete my account. If you ever learn how human beings work... well, I won’t care. Enjoy your bubble of ignorance and right-wing terrorism
3.
by throwawaycert 7y ago
You don’t ask a scammer “are you a scammer”. And there is no “Quantum Computing Industry” yet outside some scams and hype. We remain nowhere near real quantum viability. And Musk hired people with experience. I can’t find anyone with experi
4.
by throwawaycert 7y ago
Pffft. The WEF is a celebrity getaway in the Swiss alps for the same people who caused the 2008 crisis and got away with it. If they’re making that prediction in good faith, it’d be a preemptive confession of guilt. If not, it’s just a dist
5.
by throwawaycert 7y ago
If the customer is using it as an excuse, yes I would. They’re trying to weasel out of their responsibilities, responsibilities they almost certainly incurred voluntarily. If you don’t make payments as agreed, your credit score goes down. I
6.
by throwawaycert 7y ago
But you're putting nonsense in the creditor's mouth. You don't know what the conversation was like, you only have the summary of one person who feels wronged.
7.
by throwawaycert 7y ago
"You" have statistics attached to you. Default rates, lifespan, cancer risk. Given people A and B in similar life and financial situations, A or B might defy the statistics that say they'll both pay or default, but they pro
8.
by throwawaycert 7y ago
What are these "grave and hidden responsibilities" you're talking about? Paying your bills is hardly an obscure pastime. As for your PS, I don't respond to conspiracy theories.
9.
by throwawaycert 7y ago
If it's not, they're wasting money for no reason, and someone will come along and do the same thing without giving the credit bureaus any money. They're not actually legally obliged to use credit bureau data. They could just
10.
by throwawaycert 7y ago
Ah, you may be right, but even that still makes the report valid. Let me tell you what I hear as a business person if you tell me my letter to you was misdelivered: "My mail delivery is unreliable so it's your problem." Well,
11.
by throwawaycert 7y ago
Committed or were complicit in the fraud and got in too deep to recover from the inevitable crash. This has all been widely and loudly reported on for a decade. There's a reason people are pissed that the executives who ran these insti
12.
by throwawaycert 7y ago
This isn't complicated. You incur a debt, you pay it. If you can't, people aren't going to want to do business with you, and will quite reasonably refuse. You are trying to make everyone else responsible for my finances a
13.
by throwawaycert 7y ago
Ah, but there is no indication they didn't. What happened is that the check was sent, but did not arrive. In other words, the customer and his agent (the postal service, probably) in the exchange did not fulfill their job of getting th
14.
by throwawaycert 7y ago
They didn't. Pension plans and individual investors are not sophisticated financial organizations. They rely on those that are to do their job in a non-fraudulent manner. They didn't.
15.
by throwawaycert 7y ago
If Osama bin Laden's ghost appears to you and says "There will not be a terrorist attack in New York tomorrow.", and then there is, and this repeats a few times, the fact that his statement is, facially, a lie, and the fact t
16.
by throwawaycert 7y ago
That doesn't seem relevant to the question of whether credit scores are statistically useful.
17.
by throwawaycert 7y ago
The contract you agree to for credit cards or other forms of debt you choose to take on will specify things like late fees and that it's up to the company's discretion whether they report you a late payment to the agencies. If the
18.
by throwawaycert 7y ago
It's not that weird. If your score is, say, 750, 50 points is about a 7 percent change. My finances very easily vary 7% from month to month! 50 points also isn't likely to make much difference, especially if your score is already
19.
by throwawaycert 7y ago
It is not my job to go out and manage my customer's finances and take their credit cards or write myself checks from their accounts, and I'd be quite rightly arrested for theft if I tried.
20.
by throwawaycert 7y ago
I know. :) It's fun in two ways, in fact. In one way, I could say "See? New Mexican companies are all criminals!", but in the other, I can point out that Microsoft, while scrappy, was basically trying to sell something they
21.
by throwawaycert 7y ago
That was something subtly different. The banks more or less knew they were taking poor risks, the problem is it wasn't their risk to take . They quietly packaged these bad mortgages along with others and resold the mess to less sophis
22.
by throwawaycert 7y ago
If you don't pay your bills, I think it's entirely reasonable for businesses to tell each other about that so you don't defraud them out of a lot of money.
23.
by throwawaycert 7y ago
Large financial organizations have teams of analysts whose entire job is to relate consumer information, such as credit scores, to statistical outcomes. If the credit scores weren't giving them useful information, that would show up ra
24.
by throwawaycert 7y ago
Credit scores change constantly. What your 80 point drop told creditors is "This person might not have enough money to pay their bills, or is careless or forgetful.". You are perceived as higher risk because, statistically, you a
25.
by throwawaycert 7y ago
No, they make a claim and their only sources are their own work that doesn’t appear to have been peer reviewed or even vouched for by anyone that doesn’t work for them. A true memristor as envisioned by Chua would be a revolutionary device
26.
by throwawaycert 7y ago
Maybe your position was wrong. I know, hard to believe that you’re not some poor persecuted victim and might have just made a mistake. This isn’t primary school.
27.
by throwawaycert 7y ago
They are real if you accept the branding of of companies trying to sell products that don’t really do much to people who are lured in by buzzwords. Those of us who actually do real work have serious doubts.
28.
by throwawaycert 7y ago
Yes. Why? Universities are not job training and professors are not your primary school teacher. They are serious academics whose writings and work can have global, multi-generational impacts. If you can’t go toe to toe with them and tell th
29.
by throwawaycert 7y ago
Very easily. Analog computation used to be very common. https://en.wikipedia.org/wiki/Analog_computer
30.
by throwawaycert 7y ago
This looks like a snake oil salesman rebranded CBRAM as a memristor and hoped nobody qualified would notice that they're claiming a revolutionary breakthrough.

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