#public-chat

1 messages · Page 385 of 1

manic torrent
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you mean anti cheating?

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mehhhhh

swift merlin
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It's not really cheeeating

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You're not plagiarizing anything

manic torrent
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idgaf really, the current college/university system is a bit shit

swift merlin
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Oh trust me, I was going to go back and then said F it, now I'm starting my own online gun store

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Its going to be called ominousarms, already have the logo, URL, tax stuff, trademarks, everything, just waiting on my FFL

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Not a bit shit it is total 100% shit

steep girder
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But what was the bot doing in the first place is the question: it's training to use strings parsed as words for input and return the same for output with some relevance. If it leverages the output to cause some glitch, it's manipulating the interface or environment

swift merlin
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the .com just became available last month I snatched it with a snatcher website

vapid smelt
steep girder
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Which means it's aware of that; I feel like you'd have to screw that up on purpose regardless. Think about it:

Type usual chatter to bot.
Bot responds.
You respond/some sort of data back to it to train as usual.
... additionally, regardless of all that, you tell it your OS/environment/terminal app, its version and whether or not it cause buffer overflow

swift merlin
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Made sure to cover all my bases, the .com is about to be transferred over to google

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Oh my bad

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Wait don't ban me I was just talking I didn't come here just to promo it lol it was just part of the convo

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But yeah I have 14 variations of the URL so I should be covered

steep girder
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No I'm just saying that the 'singularity' like in Terminator is not only possible to avoid, but it might be require something incredibly dumb to get there

swift merlin
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I've been using Wondershare Filmora 12 it's really fun to use

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and not too complicated

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I just can't figure out how I get 5 views on youtube and 16,000 on tiktok

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or 17000

steep girder
swift merlin
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One of my first videos I ever posted was me just pulling a charging handle (something people do in literally ever AR10/15 video in the history of the world, boom, 10.5K views

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Oh I haven't bought anything

steep girder
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The real problem occurs when you have like 69000 views and exactly 0 comments

swift merlin
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I mean that wouldnt really help would it

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Ooooh wait I see what youre saying

steep girder
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Yeah I'm being sarcastic. Don't buy views whatever you do if you want your video to actually get viewed.

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If you buy thousands of views, you basically pay to ban your video lol

swift merlin
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So people pay for views then the algo is more likely to show it since there are views or likes or whatever

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Thats nuts, thats like paying for reddit upvotes

steep girder
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Yes. So last I checked there was like 10x more expensive option to buy views/comments/likes.

swift merlin
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I know one site that does that because someone said "Thats impossible" and I just googled it lol

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Blech

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Screwing up the algo for everyone

steep girder
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It was last I seen. Pretty sure all three worked years ago. The views comments and likes accumulate over a month even. So if you buy more, it should probably take longer for your sake.

swift merlin
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Yeah I just found a site that does it for tiktok and youtube, but that's just not something I want to do

steep girder
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It's not impossible, it's just hard af. And it keeps getting harder; Google has long been by far the hardest one to 'SEO' lmao

swift merlin
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like I hightly doubt the 70yo guy that started classicfirearms on youtube was buying likes and views

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I'd like to be knows for my quality hardware and good reviews, but now apparently you literally can't even show a round being loaded on YT lol a few smaller channels got banned they didnt touch the big guys tho

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Tiktok removes/bans instantly if you show any sort of magazine (even if empty) and don't clearly show a chamber flag/empty chamber

steep girder
swift merlin
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The thing you pay for?

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Oh wait I see

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So like one person comments on two similar channels the smaller channel will possibly get pushed to people who haven't seen it

steep girder
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Then like disappear and 1000 more do the same thing from different locations lol

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At that point, does it matter that you hide the locations/use VPN/blah?

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No. Shadow ban. They used to shadow ban just the views counter in the old days and give you a dozen or so freebies. Now they absolutely don't care lmao.

swift merlin
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Yeah I never bought anything I just remember my mind being blown when I posted my 5th vid on tiktok and got almost 11K views out of nowhere

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I must have hit the timing or the algo or something right

steep girder
steep girder
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Lol like 50% chance you got hospitalized if friends were filming you because you tried the pink sauce or took the chlorox while standing on moterbike blindfolded challenge

wraith sonnet
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can someone explain this to me?

image.png
steep girder
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What was the reason behind your goal of making a viral video in the first place? On YouTube, I can only think of being famous as 'that guy from the x meme vid' or make ad money. For the ad money, not only do you have to make something incredible and get the timing right, but it must comply with every policy needed to even make it monetized... which on YouTube apparently is hard as hell whenever somebody makes a genuinely good vid lol

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Or you can be a partner which means squeeze out like 30 minutes at least per week in three videos. If that's still even a thing...

wispy marsh
steep girder
narrow grail
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its actually a 300w ups

wraith sonnet
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they both say 300 watt?

fleet spire
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Where would be the best place to post a question for people more knowledgeable than myself to answer a question regarding home theater and 4K content?

narrow grail
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its 500 volt amps

wraith sonnet
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so how do I find out what VA I need?

steep girder
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Well there's two columns. I'm assuming left one in W is the output... then again, they should usually have only AC coming out the other end as well

manic torrent
fleet spire
manic torrent
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I will tell you why you are wrong, and I MIGHT help you 🙂

wraith sonnet
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I'm basically looking for a new ups because my current one is overloaded when I play hogwarts legacy

manic torrent
wraith sonnet
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just starts screaming

steep girder
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Idk if it's AC then only amps should matter I think. Or actually Amp-Hours because you're generally looking at how long the battery lasts. Also the max power you can draw from it but should be separate per plug lol. Isn't that the real way it should happen?

fleet spire
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Well, I think I know the answer but I’m not sure. I just got a new 4K OLED and I can’t figure out why my nvidia shield won’t give me the option for 4K display, only 1080p. I think it’s my splitter. I have an 8 port splitter downstairs that the output signal from the shield goes to and distributes throughout the houses TVs. But I think that hdmi splitter isn’t passing 4K. Does that sound plausible?

manic torrent
steep girder
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VA is not capacity...

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VA=W lmao

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Also power

narrow grail
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va is just AC to what watts is for DC

manic torrent
fleet spire
manic torrent
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try and find stuff that isn't $texas that supports 4k120

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it's a pain in the butt

narrow grail
wraith sonnet
steep girder
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A x h (Amp hours) is a good one. But also you can have Watt hours I've seen. Watt times any time unit is the real 'energy' capacity. Amps times time is charge capacity I think

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So how many electrons it holds inside literally. Unless I'm wrong. I failed physics.

narrow grail
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although i struggled to find what the power factor was

manic torrent
wraith sonnet
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this is scary good

steep girder
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Anything that's a UPS and doesn't have at least 1000W is garb. Don't forget that if it's AC, 500W usually means it won't pull even a 450W PSU if it's running at 100%

swift merlin
steep girder
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It's actually the same energy

swift merlin
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For instance I have a Keltec P50 on the way and I see shorts posted a day ago about it with like 4 views or 4 thumbs up and 10 views

steep girder
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Where you have your Joules as unit for muzzle energy, etc

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Oh lol wrong convo kekw

narrow grail
# wraith sonnet

its good if its correct, chatGPT has been shown to be confidently incorrect often. so im not sure how it changed for the bing version but with how limited our knowledge is so far i wouldnt 100% trust it

swift merlin
narrow grail
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yeah my pc pulls less than 500w under load lol

steep girder
swift merlin
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Yeah I agree about that

steep girder
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Who makes a video that you can't rewind which deletes itself after 2 plays for everyone except the service provider lol

swift merlin
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Also not being able to click around at the bottom to see something again

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that drives me batshit

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Wait it really does that?

steep girder
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Again, what's even the objective here

swift merlin
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It deletes itself after 2 plays?

steep girder
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With shorts especially. Can you even monetize them?

manic torrent
steep girder
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Also aren't they just related to channel you're viewing or a video by the same person?

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I don't remember but there could be a shorts option in filter for search

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But I used the filter literally two hours ago kekw. It's always for playlist or live tbh and there are a bunch of other options which I didn't even read. Other than channel...

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Again, picture a real life scenario where somebody searches on youtube and goes out of their way to hit filters and select shorts. Masochism imho

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Unless they are looking for one they already watched; I can't think of any other way apart from it popped up as somehow relevant

swift merlin
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the big boys still get their dough

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Classic, Hickock, Kentucky Ballistics, Taran, etc

steep girder
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I'll bet you it's because they are partners. Other than that, they have their own monetization (as most gun channels happen to do anyways lol)

swift merlin
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But Taran has the hotties so...that probably has something to do with it

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Yeah that's very true

steep girder
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Which by the way, aren't they trying to get rid of outside sponsors? If i remember correctly, they already have some requirements like a warning and time stamp or whatever

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But as for just general targeting for monetization on YouTube, I'll bet the sponsors themselves told Google they no longer want to show up in gun channels.

swift merlin
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Classic especially and also Iraqveteran8888, 8888 does a TON of outside stuff, a TON, his channel is literally just for info and 2A rights I doubt he cares one iota about making money off it

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I'm going to be selling pre-built guns and ammo but also building AR10s/15's and 1911s as well as making my own ammo at $10 a round

steep girder
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Especially in the last while increasingly with certain political connotations too...

swift merlin
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(cost me $1 or 2)

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Yeah which is getting reaaaally old

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the pistol brace thing especially, I'd almost agree with red flag laws, but then they pushed through the pistol brace BS

steep girder
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Iraqveteran8888 sounds like an og channel from the 2000s lol

swift merlin
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"We're gonna tell everyone these are legal, let 40 million people buy them, then say they're illegal and you have to give us $200 or you're a felon, have fun!"

steep girder
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I mean you could always slip under their radar too. When you get big enough, you start to get monitored by big alphabrother. Honestly, that's probably gonna get sniped too with a high accuracy very soon

swift merlin
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Well there's other platforms, it'll start with guns, then itll be something else (as it always is), then something else, and something else, and something else. No one stays on top forever, even Netflix is going down soon IMO

steep girder
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That's actually a very important thing in the way though: they probably already have good enough image recognition as well to detect sponsor segments even across your channel if you show a certain product that's notorious in the 3rd party YT sphere

swift merlin
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They always THANK their sponsors I've noticed but never flat out show their products

steep girder
swift merlin
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Like "Today we are gonna be shooting ammo provided by ammowarehouse, thanks to them for making this possible", but then that ammo could be from one of like 100 manufactureres and a bullet looks like a bullet

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Classic Firearms disguises it as giveaways

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I don't care how big you are, you aren't giving away SCARS and DD's and Laugo Aliens if you're a regular gunshop

steep girder
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I wouldn't be surprised. Tbh if they start doing that for each video as a step in 'processing' after you upload the file, it might not be a problem for them

swift merlin
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I mean you COULD, but every week or two? no way

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You'd be broke in a month, these are 5K-10K$ firearms

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It's basically a sponsored giveaway I guess? Maybe thats the best term

steep girder
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I mean for Google image detecting known 3rd party products

swift merlin
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Oh yeah, I see what you mean, well thats the thing they "review" it

steep girder
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But it's not banned yet right? So long as it shows the 'has sponsored content' label or whatever

swift merlin
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but then if you go to the website and they also mention in the video, it's a giveaway/prize

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Yeah they definitely aren't banned yet

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I think firearms is one of the top categories tbh just based on views that I've seen

young zenith
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I hate jerks on the forum. There will always be one.

swift merlin
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The only thing Ive seen that matches it is PC/CPU/PC Build stuff and Music

steep girder
swift merlin
young zenith
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@swift merlin no, i dunno you. sorry. :\

swift merlin
steep girder
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She's apparently known to drop in and do random stuff like give just female employees at YouTube raises just because

swift merlin
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TikTok will remove your video in literally less than a minute if you break their guidelines that only they know about, I've figured it out through trial and error if you watch my vids. No magazines in the gun, chamber flags, take out the chamber flag and show the empty barrel, let the slide go and pull the trigger, you're good.

steep girder
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Because it's equality and definitely not sexism to give everybody a raise based on gender lmfao 😛

Also, because you must have in some way assumed that a certain thing has a binary property.

swift merlin
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Do anything else or say its empty or whatever, Removed/Violation

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Wow

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My whole office just got a $2 raise

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Also the gender wage-gap is a myth

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It only shows up on a lifetime average

steep girder
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If it's true what they say about the Chinese gov't somehow being behind TikTok, I wouldn't be surprised if it's actually reviewed by hand with like 292,000.5 people sitting behind screen 24/7

swift merlin
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If me and another female employee are doing the same job, there's a 99% chance we are making the exact same amount of money. Women take more time off, take more sick days, choose lower paying jobs like social work/teaching (not that there's anything wrong with that), but it's not job-for-job, there is no gap at that level. Theres only a gap at lifetime level

swift merlin
steep girder
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She didn't think so clearly. So she gave more to just her employees to somehow compensate for the rest of the world she believes to be unequal. Honestly, I don't really care. It's an issue where somebody can demonstrate to me that it's actually happening to a bad enough extent. I'm just giggling at it when I think about:

swift merlin
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And the stuff they DO allow, which to me would be an insta-ban, isn't even touched

steep girder
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Employees at YouTube already with a median salary probably equivalent to neurosurgeon. Both men and women at Google people are wage gapping everybody else.

hollow pulsar
swift merlin
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"Oh you have a weapon with a magazine in it you didn't show was clear even though you locked the slide back and there's clearly no bullets in it, banned. Can we interest you in underage girls wearing highly inappropriate outfits and bouncing around? We have TONS. You'll love it, I swear"

steep girder
swift merlin
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Thats how I feel lol @hollow pulsar Thing is they COULD ban it but they won't, because the laws that would require it to be banned would also nail Facebook, Apple, Google, MSFT, etc

steep girder
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But I mean in the sense that there is actively something going on behind the scenes because TikTok is of interest to them somehow. At this very moment too

swift merlin
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It's okay for you to get spied on by AMERICAN companies, but by god if some random Chinese person knows I like to reload my own ammo, well lets go Defcon 2

hollow pulsar
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Didn’t they already ban it on federal devices?

swift merlin
hollow pulsar
vapid smelt
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WAY too much green in this chat

swift merlin
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You'll live

hollow pulsar
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I mean, I don’t in the states either. But that’s another topic.

steep girder
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That should be a given imo. If anybody working for a government (federal definitely qualified one level ago) that isn't Chinese, they should not have anything on their work devices which sends information to China lmao,

swift merlin
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I honestly don't even think they should have facebook, or youtube

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I swear to god, I talked about going to harbor freight earlier today, which I did. Before I left, went on Youtube, Boom, Harbor Freight ads, go to google adsense sites, harbor freight ads

steep girder
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Blackberries were banned from some country. It might have been Iraq or Iran... or maybe one of the arabian ones. Either way, I couldn't blame them as I read about it.

swift merlin
steep girder
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All blackberries require to be signed up to their service which calls home to the US. So every functioning black berry (at least legally) is automatically known to be sending encrypted information back to the US always.

swift merlin
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Oh wait lmao, I meant the actual like, berry

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that grows haha

vapid smelt
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we are talking blackberry the king of cellphones

swift merlin
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Those WERE banned until like 2008ish because they carried some sort of bacteria or virii that harmed native bushes

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Yeah I get that now lol

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I have blackberry bushes in my backyard so thats where my mind went

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we have Satsuma trees too

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I remember Obama telling a story about how he had a Blackberry and then iphones came out

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or got popular or whatever, and they gave him one, but it was totally nonfunctioning, he could click things, but couldn't txt, couldnt call, couldnt DL games or anything etc

steep girder
swift merlin
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like a play phone for a chile lol

swift merlin
steep girder
#

I'm pretty sure that by far the most likely outcome of bringing anything new to any place where it didn't exist before is all around harm.

swift merlin
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We gain land on the MS river output but lose like 10,000 acres a year to erosion

hollow pulsar
swift merlin
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I wonder if anyone would buy an AR15 with LTT laser carved onto the mag and upper and little LTT logos lasered out on the handgaurd...

stray apex
swift merlin
hollow pulsar
stray apex
#

for instance, here in washington there are zones where you can't transport apples into

swift merlin
stray apex
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because we don't want diseases getting into our orchards

steep girder
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And there was a long 'cat gap' in between when the first cat-like ones went extinct

swift merlin
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Behind my fence there was an ivy heart that had taken over like 10 trees, the tree guy said it could suck up to 10,000 liters of water a day, they dug it out to save all the live Oaks but now our yard floods

hollow pulsar
swift merlin
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The vines going up the trees looked like literally trees circling around the real tree

dreamy rose
swift merlin
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it was nuts, probably 7 inches around with actual bark

steep girder
swift merlin
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Killed like 4 Live Oaks before they got it

hollow pulsar
full fossil
steep girder
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It's the one guy who's half still in the chair and half being dragged out because he watched newgrounds over vpn

swift merlin
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Who cares about green

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Yall are like the imessage kids in HS

steep girder
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(on the day it happened to be re-banned for 100th time)

hollow pulsar
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The folks who payed money to feel special.

dreamy rose
swift merlin
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Wait

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You literally pay money to have a blue name?

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No wonder Linus is loaded

dreamy rose
plush rivet
steep girder
plush rivet
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you can see early videos which wi the main perk

vapid smelt
plush rivet
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It never seemed interesting to me

swift merlin
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I preferred WC3 and WC3TFT

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Never got into the knockoffs

velvet marsh
stray apex
plush rivet
dreamy rose
swift merlin
#

Yeah reforged was a huge scam

velvet marsh
swift merlin
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But thats Blizzard now

steep girder
#

I'm never surprised about both. It's about preference. If you care about popularity and probably size of actual professional league, prizes, I guess LoL all the way.

plush rivet
swift merlin
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Yeah, they ruin everything

plush rivet
stray apex
swift merlin
#

Hearthstone was starting to take off, ruin it

dreamy rose
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Good

plush rivet
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Nobody cares about esports anymore tbh

hollow pulsar
velvet marsh
swift merlin
#

WC Reforged, we'll just kinda lie about everything and hope for the best

wispy marsh
#

Shame on you, ignorant fool

swift merlin
vapid smelt
stray apex
wispy marsh
dreamy rose
hollow pulsar
swift merlin
#

Also it's a real problem, kids are literally shunned in school because of a silly color on a text bubble becuse their parents can't afford an iphone

wispy marsh
swift merlin
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Purposefully making pics and vids look like crap when they're taken with a 103MP camera on Android

vapid smelt
stray apex
dreamy rose
wispy marsh
plush rivet
steep girder
# plush rivet Eh professional league is dying out

I feel like some MOBA is going to have to replace it. I can't imagine people will just stop caring about MOBAs specifically. Starcraft is insanely more popular than both right? And yet base def RTS isn't quite the same.... even though people started playing them thanks to modding warcraft.

hollow pulsar
swift merlin
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It's a well known thing

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They even paid Snapchat to do it for them

plush rivet
stray apex
dreamy rose
stray apex
#

I don't think most people even need 1080p on their phones

plush rivet
hollow pulsar
plush rivet
#

I’d had a field day with 10k

swift merlin
stray apex
swift merlin
#

if you send it to me and I have an iphone, it looks like absolute garbage

wispy marsh
steep girder
#

But MOBA is one of those things where for instance the guy who made it is probably on the opposite end of the best skill. That's how you can tell it's a success. When people take your creation more seriously than you by replacing sleep with 200 actions every minute

stray apex
hollow pulsar
swift merlin
stray apex
#

it's a text message

plush rivet
swift merlin
#

So why should it be modified only for people sending from Android?

stray apex
#

you don't need full res images for messaging

steep girder
#

The only weird thing to be in terms of LoL or D2 is the people who can stand playing both interchanged.

dreamy rose
swift merlin
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You don't, but come on man, you're either playing ignorant or just don't want to admit you're wrong

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With all due respect.

stray apex
plush rivet
steep girder
#

I always played D2, LoL feels way slower timescale-wise and farther apart. It's roomy I guess. So the thing is when I play LoL, I literally lack the 9001iq strats and builds people make. That and optimal farming. After that, the skills can still snipe you like Vi or whatever making insta-railwall

hollow pulsar
#

I personally prefer full resolution, non-downgraded or extra-processed pics and videos. Mainly because most get saved forever.

dreamy rose
vapid smelt
#

I was told that chat had free pie

stray apex
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and wdym extra processed

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do you only use RAW

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every single photo you see is processed

dreamy rose
stray apex
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because otherwise they look like shit

swift merlin
stray apex
swift merlin
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Same as on my my ZV-10

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I dunno, it just does it, its a setting

stray apex
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yeah, but why bother

dreamy rose
stray apex
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are you ever actually going to open your photos up in lightroom or something?

swift merlin
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I upload the raw to Google Photos and delete it off the device automatically and keep the JPG on the device if I want to share it

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I do quite a bit actually

hollow pulsar
swift merlin
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I just share them using google now since Apple insists on making people without iphones feel like they aren't part of the "group"

vapid smelt
#

why not keep the raw?

stray apex
swift merlin
#

@vapid smelt I do, it's on my Google Drive

steep girder
stray apex
vapid smelt
swift merlin
stray apex
#

don't s23s start at like, 256 or something

swift merlin
#

I miss when Androids let you expand storage

dreamy rose
swift merlin
stray apex
#

apple makes shitloads of money from their apps and services

vapid smelt
hollow pulsar
# stray apex that's compression

I’m aware. Compress an image several times and save it for say, your kid’s wedding someday. You’ll curse me later that I was right and your kid’s face is a pixelated mess on that 8k screen.

stray apex
steep girder
swift merlin
#

Yeah, that'll still eat up quit a bit though if you do vids in 4K or take lots of pics

stray apex
#

compression is fine if you're just texting someone a picture

dreamy rose
stray apex
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like 99% of images shared over message are memes

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it's not worth the bandwidth

swift merlin
#

I honestly use my ZV-E10 most of the time now for pics and vids

swift merlin
hollow pulsar
#

Am I the only one here who saves pictures from text messages from family members and such?

swift merlin
#

Maybe 60, if that

dreamy rose
swift merlin
#

I do, my phone automatically saves it and uploades it to Google Photos

steep girder
#

Wait actually the only reason why you should store raw files anywhere is if you need the additional speed. So either way, if it's a raw video at like 4k, you're always looking at like RAID SSDs over 10GBps lan

swift merlin
#

Imagine not having Unlimited Data

steep girder
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Because otherwise, they minimally should be compressed with LZMA or something

swift merlin
#

But yeah I like the way Android does it, if I take a pic now, it saves it to my device and uploads it to Google Photos (part of Google Drive), then at any point in time I can remove duplicates on the device that are already on Google Photos

dreamy rose
swift merlin
#

It's pretty handy

steep girder
#

PNG idk. If you have 32bpp lossless image, PNG can store it with literally no loss. So why would you even bother with raw or bmps? Video I understand. Sometimes the codec's full power is witnessed by CPU

swift merlin
dreamy rose
steep girder
#

So free 24/7 not just evening weekends? 3 people? unlimited data? Is there at least a cap when it slows down or something... shared between the three?

wispy marsh
#

Nice. I pay $19 for 120gb of 4G

steep girder
#

Which is LTE just rebranded because of your region lol

dreamy rose
#

and home internet is 75 for 50 down 25 up

stray apex
swift merlin
#

Oh I forgot I also have unlimited hotspot at 5G Ultra Capacity

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as for internet we have municipal fiber here, it's owned by the city

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$60 a month for 1000up/1000down

wispy marsh
steep girder
#

Honestly, I glitched out my provider's system with a contract transfer of ownership. I lost a bit which is still not recovered, but on the other hand, it enabled unlimited LTE even though the plan was 3g data. Technically they're breaking contract and I'm getting unlimited of something not in the contract for free

dreamy rose
wispy marsh
#

I pay $26 for 1000/1000mbps

swift merlin
#

Thats a great price

wispy marsh
steep girder
#

Which is good because in the near future they'll shut off 3g and I'd have no data anywhere...

swift merlin
#

Ah, yeah, Cox charges 69.99 for 1000down/30up

#

Which is insane, suffice to say literally no one in the city uses them

#

ATT has some fiber here too at similar prices but not much

full fossil
#

i main a 256 terabyte ssd

steep girder
wispy marsh
vapid smelt
#

all symmetrical no caps

image.png
swift merlin
dreamy rose
full fossil
wispy marsh
swift merlin
#

the ping on our Fiber is like 1-2 on Cox its almost 12

vapid smelt
steep girder
#

The only way in Ontario to get over 30 at all might be fibre optic. If you're on fibre here, your upload seems to be matched with download. So 500Mbps down usually means you have 500 up

wispy marsh
swift merlin
full fossil
velvet marsh
swift merlin
#

LUS got in really early with that and Lafayette is one of the top 10 cities in the countries for startups per capita

wispy marsh
swift merlin
#

We have animation studios, all kinds of stuff you'd never expect in South Louisiana, all because of LUS Fiber

velvet marsh
wispy marsh
#

Good luck getting 30gbps for normie usage

steep girder
#

1Gbps down I tried. I literally had the 1 gig back up as well. Then it quickly degraded like a couple dozen megabits for sure upload speeds. As everybody jumped on it maybe. Also had around 12ms to some telecoms Toronto>New York City at first; it went up to low 20s eventually 😦

velvet marsh
swift merlin
#

and the 1ms ping is nice

dreamy rose
#

i'm enjoying my time pulling 540 and 110MB/s on my drives (no i'm not please help)

velvet marsh
steep girder
#

Ever seen 500/15 plan?

#

It's real, son... it's real...

swift merlin
#

I bought a new house to sit on and its stuck with Cox and has the 1000down/30up thing but everything seems to work just fine honestly, may have to wait a while longer to upload a YT video or whatever but nothing earth-shattering

hollow pulsar
#

30gbps on coax?

dreamy rose
velvet marsh
#

The 30GB/s I was talking about was ssd speeds

wispy marsh
swift merlin
vapid smelt
#

$30 internet

image.png
hollow pulsar
#

I mean… it’s kind of like being on a car Discord and saying your car can barely reach 60,000mph.

swift merlin
#

Im at my second house now so stuck with cox

#

Wait how do you post pics.....oh let me guess, you have to pay

vapid smelt
hollow pulsar
swift merlin
#

DOWNLOAD Mbps
947.03
UPLOAD Mbps
36.67

Im at my burner house now so stuck with Cox, also the server it connects to for the test is 3 hours away, which I never understood

vapid smelt
swift merlin
#

The fiber speedtest finds a server in my city

swift merlin
steep girder
swift merlin
#

About 20mins apart

steep girder
#

Or if your neighbor shares a box and they aren't using it, ask them if you can hook up cable through their address and connect both

swift merlin
#

This house is on the up and coming part of town, property value went up almost 50K since I bought it

steep girder
#

Just need a long enough cable..

swift merlin
#

There's fiber literally less than 0.10 miles from here

vapid smelt
#

just hold your internet provider office up at gun point and demand fiber with symmetrical speeds

minor rivet
#

is it ok to give my betta bread every now n then

swift merlin
#

But for some god forsaken reason they dont want to come down this road

full fossil
swift merlin
#

its in another parish, but has a Lafayette address

#

*city not parish

#

but still has a Lafayette address even though the town/city is Carencro

#

I called the Mayor and everything

steep girder
swift merlin
#

They said "Oh we are gonna be there soon, just keep in mind soon can mean up to two years"

vapid smelt
swift merlin
#

I was like "Yeah...that's not soon"

swift merlin
vapid smelt
#

36k?!

steep girder
#

Actually lemme check. Because if that's the case, it's kind of dumb: you have to ask Bell to hook up the fibre. It's free only with a plan so hopefully there's no term. Or you pay them to hook it up maybe. Even then, I gotta see if they offer it in the first place

hollow pulsar
swift merlin
#

One of the richest people in the entire state lives across the street from me, the rest are normal houses, I dont get why they wont come here

swift merlin
steep girder
#

Because lol I'd consider paying the price for them hooking it up if it means they'll leave immediately

swift merlin
#

I do need to take it further

steep girder
#

But here we have the exact equivalent to the FCC for that: CRTC

#

You can complain to them too

hollow pulsar
swift merlin
#

It's BS because they like things that look like this

#

Well I cant post a pic, but yeah, they like new developments

#

Because they just need one flower, each house only needs two wires, one up one down

steep girder
#

I mean... you can complain to them doesn't necessarily mean that anything will happen after that

swift merlin
#

If its a long street it costs them more money

hollow pulsar
#

If I recall, if an ISP provides service to 1 person in a census block, they can claim to provide service to the whole census block.

swift merlin
#

But its still stupid because I went door to door and literally every single person said they would switch to fiber if it was on this street

steep girder
#

Same with FCC it should be. Honestly, it's by design of the system: if the FCC or CRTC do something, it would have to be a lawsuit of like the crown vs all of the provider. I could be wrong

swift merlin
#

Yeah I'm sure they have all sorts of shady BS

#

Oh once my FFL is filed and my website is up it's game on

#

I'm just concentrating on that now so I dont spread myself too thin

hollow pulsar
#

Wise

steep girder
#

I'm actually curious about hooking up fibre tbh. Brb

hollow pulsar
#

Me? I’m spread so thin I need someone to spray me with water like that lady in Dr. Who

swift merlin
#

The thing is, it's different here

#

Like Im sure most of you in the US have counties right

hollow pulsar
#

Most live in a county, yes.

swift merlin
#

We have parishes, so there's Lafayette Parish, and THEN there's the City of Lafayette, however Lafayette Parish contains the city of Lafayette and like 8 other towns/cities, and theyre all one group, and they call it LCG or Lafayette Consolidated Government

hollow pulsar
#

Sounds like a county

swift merlin
#

LCG owns LUS (the fiber people), which should ensure that it reached places like where im at now, and like I said it does, sorta...I can literally throw a rock and hit a house with fiber

#

It is but it's a Parish

#

The main different is the LCG part

hollow pulsar
#

I’m not familiar with any county-level ISP’s in the states. It may or may not be a thing here.

swift merlin
#

*difference

near nymph
#

My neighborhood recently got Fibre with Telus

hollow pulsar
#

Telus more

near nymph
#

Check this out... RBC let me reset my online banking password with my debit card and PIN

Screenshot_20230216-203114.png
steep girder
#

Tbh can't even find any reseller with fibre at all here. I did find a 100/10 cable and a DSL 6/0.8 though

near nymph
#

I wish we can take payments with phones...

swift merlin
#

Honestly of 5G/6G/7G/whatever theyre working on could fix the upload speed it would be a huge contender

steep girder
#

0.8 that's like 100KBps upload right

swift merlin
#

I believe China has like 10G or something that can handily beat fiber in lab test conditions (it's not actually rolled out or anything)

steep girder
#

Lol I think back in the day, we had at least 1Mbps upload on DSL. 6/0.8 I don't think is even one full connection...

swift merlin
#

God I remember DSL lol

near nymph
#

I can make payments but not take payments

swift merlin
#

Then Cable was like OMG ITS THE FUTURE

#

Oh, just get a square

near nymph
steep girder
#

Which by the way, is about like 8 or 12 down and a couple up on ADSL. The reason why you're seeing higher DSL speeds offered nowadays is only because they're hooking up more than one connection technically

deep nova
#

I got to use ADSL also during that era

swift merlin
#

Its free I believe, the hardware at least

#

They were free theyre $49 now

steep girder
#

Coax cable too tbh. I heard that the dips in speed both up and down below what you're supposed to get are usually caused by a high load from people using it in your area

timid meadow
swift merlin
#

The Pop-A-Lock guy I used today had that same exact reader

#

Yeah easily

#

or just do paypal and don't send as friends and family and the person you are selling to is covered by Paypals buyer protection plan

#

It does take a bit off the top so you have to figure that in to the final price

#

Zelle

steep girder
swift merlin
#

Not getting nothing from me

#

I just replaced this https://www.trayvax.com/products/element with the above, I've had it for 8 years, they are custom made to order by hand, stiched by hand, if you want to shrink them down to hold less cards just soak them in water and let them dry

#

If anyone wants it let me know, Id hate to see it go to waste but I just got the Contour

steep girder
#

I mean debit usually you can't get back. If you do, it's probably the bank youre with insures you up to a certain amount. Once it's gone, it's gone. If it hasn't been wired out of the country yet, they still have some chance of catching them. Even then, apparently you still don't get your money back a lot of the time...

#

But even then, if somebody is sniping you with 50km nfc reader, it's max 100 bucks or something usually

swift merlin
#

Well the Buyer Protection Plan is reassuring for lots of people, I just spent $400 on an AR15 upper and the guy didnt want to send it first, but I paid him with Paypal and used the Goods and Services and not friends and family and felt totally fine about it

swift merlin
#

Most people don't know about disputes though so

steep girder
#

Credit cards should always be possible to recover money on

swift merlin
#

They area

#

*are

steep girder
#

It's not really money though like what you have on bank accounts

swift merlin
#

Unless you use Zelle, Cashapp, or Venmo

#

I pay the fee it charges the seller in a separate friends and family payment

#

But thats me

steep girder
swift merlin
steep girder
swift merlin
#

No like, Zelle is connected to your bank account, like if I log in to capital one, I see "Send Money With Zelle"

#

Nah Zelle you may have some luck with, Cashapp and Venmo, no chance

#

as far as disputes I mean

steep girder
#

Like paypal I think you auto-lose disputes in general. Or could be that literally dispute button is greyed out in some cases. Lol.

swift merlin
#

I've never once in my life disputed anything across like 3 banks and 10 different cards and not gotten my money back

swift merlin
#

I can definitely dispute paypal transactions

#

Theyre easy to win IMO

#

Just keep your emails an chats

#

Ah

#

For selling you mean, yeah I see

steep girder
swift merlin
#

I think it costs like 1.25 or something

steep girder
#

It's credit acquisition... honestly free credit acquisition at that. Maybe there are limits to deposit or charge for free

#

But apparently they make enough off of you just in the time span the money is moving to and from your paypal balance lol

swift merlin
#

It also depends on how long you've been with your bank, my dad referred me to AMEX after having an AMEX card since 1980, if I dispute something I get the money back as soon as I hit the button and never hear another word about it

#

AMEX isnt a bank I realize

#

But same with BoA, we've been with them for probably 40 years now, something like that, and I was referred by my parents and broke my account off

#

They take all that into consideration

steep girder
#

Disputing I think is always immediately with visa or mc themselves respectively

#

Then there are other creditors though. Transam, equifax, whatever

swift merlin
#

I actually just wont a dispute over a $600 gun because it wasn't as described and I asked to speak to mgmt repeatedly and the person wouldn't put me through, got the $600 back as well as got to keep the gun

#

Emailed them and told them I WOULD have sent it back if they would have talked to me

#

But not anymore

steep girder
#

I was told by a lazy guy at my bank that I could make a 'visa' account somewhere and dispute it there lmao

swift merlin
#

BoA is one of the only banks that use Visa

#

Cap1, Citi, Chase, etc are all Mastercard

steep girder
#

Maybe it's just a formality that if you have a 'brand', you have to go through them ideally?

swift merlin
steep girder
#

Brands are what banks are to visa and mc lol

swift merlin
#

Like someone you've been banking with or having a credit card with for some time?

#

Like I have Cap1, I have three Cap1 credit cards (probably 15 credit cards or more across everything)

steep girder
#

That's what they are actually called. Like 'blah company generic brand master card'

swift merlin
#

Thats why I had to get the contour

steep girder
#

Oh I guess maybe brand is something else

swift merlin
#

OOOh like the offbrand stuff

#

Whats the fake capital one thing called

steep girder
#

blah in those cases isn't a bank necessarily though

swift merlin
#

I get letters all the time from them

steep girder
#

Capital One is real if you're in Canada I know that for a fact lol

swift merlin
#

Credit One!

steep girder
#

Not sure a bout bank, but they deal w insurance

swift merlin
#

Thats it

#

Synchrony handles most of the store brand cards, citi does one or two

#

Synchrony does Lowes, Amazon (Amazon Busines is AMEX), Home Depot, Rooms to Go, Carecredit, Newegg, probably 12 more I can't remember

#

Yup, even their logo looks like Cap1

steep girder
#

Well if they handle 'cards' as in the plastic itself with the chip, that's separate

swift merlin
#

It's funny though I asked for a credit increase on my regular AMEX card they said no (I dont spend it, I just am building credit) one week later I get a Kabbage or Cabbage offerm boom 4K

#

And the reason in the letter was "Not using enough of current credit limit" lol

steep girder
#

The bin numbers and whatever on credit cards are a globally standardized system. Kind of like ipv4 addresses all agreed upon where the reserved blocks are and what belongs to who

pliant karma
swift merlin
#

Yeah lots of credit cards have little offers like that

#

I gotta eat and hit the sack yall it was nice chatting with everyone

#

Yall have a great night, will stop by more often

steep girder
#

Well I'm just saying that the cards themselves and the chips are probably separate from everything else

pliant karma
normal cargo
#

The bank basically enforces visa rules,.visa (atleast in the UK) has no legal obligation to do so though

steep girder
#

Then there's the brand whatever that is lol, the financial institution selling you their branded MC/amex/visa and then the actual creditors

swift merlin
pliant karma
#

But of course 395$ for the annual fee is actually not as bad once you see all the perks.

swift merlin
#

Yeah lol I did the math and I figured I'd just break even on the annual fee on the Gold Card

normal cargo
swift merlin
#

thats the only reason I upgraded from the AMEX Blue

#

And theres a bunch of other stuff like you said

pliant karma
swift merlin
#

and offers with different companies, 10% off here, 20% here

#

Yeah I think Gold replaced that

steep girder
#

Like equifax, transam, etc, whatever that means. Here I'm really lost. All I know is they both have separate scores which usually indicate where the other one's at; the equifax is the 'real one' everybody looks at which makes the transam score the indicator. It's helpful because they let you see that score without requesting a hard/soft check lol

swift merlin
#

Oh wait I actually have an AMEX Platinum Card, whoops

steep girder
#

But they all report to eachother in some web-like flow

swift merlin
#

just went to the website and checked lol

dreamy rose
#

if you fucked with the Atoms enough you could turn anything into gold.

wary summit
swift merlin
#

Equifax and Transunion are Vantage 4.0, they have their own score, FICO8 is Experian, Transunion, and Equifax, if you go to Experian.com you can set up a free account and see your FICO8 score, thats what most places like car dealers use

wary summit
steep girder
#

In terms of fake credit cards, some of those 'generic brand' MCs here look so dinky, they actually do seem fake lmao. Then you notice that it's like 100$ annual fee and twice the cash advance interest + 1.5x regular interest. At that point you realize it's not fake for sure kekw

swift merlin
#

But CreditKarma is invaluable, and its free. If you don't have that, download it and sign up, I went from like 600 to over 800 in 3 years, the info it gives you for free is unmatched

wary summit
#

I have an amex centurion 💀

swift merlin
dreamy rose
#

how exactly do you good Credit score anyway?

wary summit
pliant karma
swift merlin
steep girder
normal cargo
steep girder
#

It gets updated same as the others when the inquiries happen right?

swift merlin
#

They look at credit age, percentage used per card of credit limit (They want under 30%) you dont have to pay it off every month, they want you to use the credit line

wary summit
swift merlin
#

Yep, updated instantly, and daily

#

If you apply for a credit card it will show up on creditkarma in seconds

steep girder
#

Well not daily I think. At least not the entirety of it.

normal cargo
# wary summit early aswell

Basically, but pretty much any finance contributes to your score, just don't miss or make any late payments being key

swift merlin
#

Aside from those things it looks for missed payments, debt collection, etc

#

Seriously yall if you don't have creditkarma download it

steep girder
#

Right if you apply for a credit card it shows up immediately because there was a hard credit check as soon as you did that

normal cargo
swift merlin
#

I went from have to give CapitalOne $100 cash for a $300 credit line now I have over $80,000 in credit and 13 cards with less than 14% usage

dreamy rose
#

what if you get a Debit card?

swift merlin
swift merlin
normal cargo
swift merlin
#

If you are having trouble getting a credit card, you need a secured credit card

steep girder
normal cargo
# swift merlin CreditKarma will know

Well it's usually the bank's that provide the info and the rule of thumb is every 3 months *shrug. They might notify as soon as you take out the card tho

swift merlin
#

only difference is you can actually see it

swift merlin
dreamy rose
swift merlin
steep girder
#

In fact, as soon as you wake up, if you know that later on in the day you will be applying for a card, you already know that there is a slight credit score drop in your future

swift merlin
normal cargo
swift merlin
#

All of those things go into creating your credit score

steep girder
#

Yup. Then there's always the random mystery draw outside of that

swift merlin
#

Theres no mystery its all right there

steep girder
#

For instance, that 'slight' hit on your score from hard inquiries is only slight if you hadn't done any others in the last few months

normal cargo
#

Nah I get you, but it's usually uptonthe credit provider n all and can't see the sense of daily updates which is why I'm surprised *shrug

normal cargo
steep girder
#

Apparently as you keep doing more than one in a short time span, the credit score goes down like exponentially lmao

swift merlin
normal cargo
#

Refusals will hit you hard

swift merlin
#

And lots of them will be soft inquiries

normal cargo
#

Soft checks are alright, but can play a factor

swift merlin
#

They wont

steep girder
#

I thought they just inquired and decided separately. The decision doesn't get reported in any way

swift merlin
#

Those wont show up as a refusal, only an inquiry

normal cargo
swift merlin
#

You will then get a letter saying why they refused you

dreamy rose
swift merlin
#

Soft check do not

steep girder
#

Yeah there's only soft and hard checks pretty sure

swift merlin
#

Only Hard Inquiries

steep girder
#

Soft checks I think literally check the last known score from the hard check kind of like credit karma

#

But the only difference is you check the 'real equifax' one

swift merlin
#

My age is low because I have so many new cards, my oldest account is 11 years

steep girder
#

And you need like equifax account and pay for membership but there's a free or cheap way I don't remember

swift merlin
#

Alright yall Im hitting the sack, @dreamy rose if you want some advice on credit DM me

#

Its free

#

Also Discover will show you the Fico8 which includes Equifax

normal cargo
dreamy rose
swift merlin
#

Check out my screenshot up there in the link if anyone is unfamiliar with creditkarma, I seriously cannot recommend it enough

#

Goodnight yall

steep girder
steep girder
swift merlin
#

No they ask the reporting agencies, Experian, Equifax, and Transunion

normal cargo
swift merlin
#

Night yall, leaving for real now haha if I didnt have work in 6 hours Id talk about this all night

normal cargo
#

Night night

steep girder
sullen saddle
#

🤔

unkempt widget
#

i am in school

steep girder
#

Well I actually might have gotten one check I recall from Transunion.

sullen saddle
#

terry davis dance

normal cargo
steep girder
#

Or I might not have done it but I read somewhere explicitly saying that the credit check will be through Transunion. That was a rare pokemon for me though; I think I only saw it that once.

#

But one way or another, I hope for their sake that everybody ends up reporting mostly to Equifax in the end haha. Not all of my accounts show up in Credit Karma 😛

normal cargo
#

Some of my loans didn't get reported to Experian lol, starting to think I shouldn't have paid them

steep girder
#

I have like maybe a half month gap to do something bad and still have my score there lol

#

(And then go directly to jail or minimally pay for ruining my score in the next years to come)

steep girder
normal cargo
#

They'll just slap you with your equivalent to a court ordered repayment ?

steep girder
#

Because it goes to collections, those are separete things reported

normal cargo
#

Basically yea, it'll be a ccj over here, and that'll deffo render me un credit worthy

#

But he who dares, wins

steep girder
#

Then like owing collections which I'm not sure about lowering your score but you are probably hovering around 0 at that point lol

#

(Then the lower levels starting with R whatever they go up to)

#

Lol the basement of credit scores

normal cargo
#

Can't remember, when I worked for Lloyds we couldn't even handle accounts in collections, we had to tell them to phone someone

steep girder
#

Well it's individuals' private info (that anybody can consent to checking and get slapped for it)

hot loom
steep girder
#

It's between you and credit agency and like anybody else whose phone contract you didn't read and it said you agree to inquiry lol

normal cargo
#

It's more to do with legal, if they they're in collections there's different rules to follow

steep girder
#

If you don't consent to a credit check, they shouldn't have done it I guess lol. They still know your score in the end.

steep girder
#

That's how you auth to Equifax lol

#

(But for some reason my info doesn't work on their site so I have to call them)

#

(But I'm too lazy to do that; I know generally where my score is at for various things)

normal cargo
#

Nah I mean Lloyds, the bank I worked at, had a whole department dedicated to collections cos there's a legal minefield involved with it

steep girder
#

Yes. Collections agencies can sue individuals who didn't pay.

#

And apparently have been known to even if it's 1000 bucks or something lol. So god forbid you end up making the rare lucky draw lool

normal cargo
#

And if I did something like request payment I could be infringing on a court order

#

Could be hit with contempt of court xD

dreamy rose
#

i am so fucking fed up with this piece of shit laptop. cant even do youtube anymore

steep girder
#

Well it's all the usual court stuff at that point. Contempt if you show up and like mouth off the judge idk

#

Disrespect the court in general. The disturb the 'decorum' lol

normal cargo
steep girder
#

You have to show up for sure once you get sued. As soon as the trial is over, you have a probably short period to pay whatever they say; maybe you find out what happens legally if you don't .

steep girder
#

Fair enough. But that means the second time around, it's no longer between you and the collectors, right? Contempt is a criminal charge. Probably don't wanna go there lol.

normal cargo
# steep girder Oh so if you don't pay after the first lawsuit by the deadline, you get dragged ...

In the case of you being in collections then yes, but if it happens once the judge will laugh the bank out the room. If the bank requests payment, knowing there's a ccj (county court judgement) in place, that'll also be contempt.

Over here if you owe money the bank will take you to court, the court will look at the cases review your financials, and deem what is a fair repayment, they'll put a county court judgement in place and that's upto both parties to abide by

So when I worked for a bank and an account came through that was in collections, it can become a legal issue. Even if there's no ccj in place, it's still gotta be dealt with by someone else because lending rules over here could land the bank in trouble

steep girder
#

Tbh if you're already in the crap with your score, might as well drag it out until the collectors offer a lower settlement lmao. Even if that gets reported too, who cares. It goes from like R68 to R68.5. Whatever. But there's that little russian roulette factor of getting sued. I mean what happens if you don't have the money for real and you don't want to be charged with contempt? Bankruptcy is the only option?

steep girder
#

In terms of actual natural law the way I believe it should go, they're right for sueing you. I mean one way or another, you're breaking some contract you signed by not meeting a deadline. Economically, both interest and what you owe are only fair to be paid by whenever you promised.

#

But in practice, if you end up going to prison because you had no money to pay it off, you'll cost more money now lmao

normal cargo
#

Tbh the ccjs I've seen tend to be a bit fair. The most famous case was my uncle who lost his job, he offered them what he could afford until he finds a new job, bank were wankers, and took him to court anyway. The ccj the judge put in place was 1 buck a month, he'll be dead before its anywhere close to being paid off lol. Bank can't do nothing.

normal cargo
steep girder
#

Oh. So wait, on paper the bank just has to be minimally 'paid off at some point' as opposed to never? I mean it makes sense because something was done technically which would ensure they are compensated

#

But yeah lol pog judge

full fossil
vapid smelt
#

FLUF

steep girder
#

Also how the turn tables. The bank is forced to accept something valued at some expected price with interest.

normal cargo
steep girder
#

Honestly, though, I don't think that the purpose of predatory loaning is to sue people like your uncle

#

It's to loan out as much as possible without caring if they can pay it off at all and then selling all that debt to somebody else who doesn't realize that the loans will never reach their face value

full fossil
#

banks dont really give predatory loans those are just normal loans

steep girder
#

At least with the subprime mortgage thing. Tbh not even predatory. You just write numbers and somehow put all the mortages into 'portfolios' which are 'graded' for some reason. Tbh dumb system in the first place lmao. I want to say I'm surprised it took them that long to realize it. On the other hand, I'm not into finance

full fossil
#

predatory loans are some that weird store on the side of the road next to the smoke shop with 600% interest

steep girder
#

Predatory loans you'd have to care about just the interest being paid minimally

#

But the loan itself should be as hard to pay off as possible

#

So in the banks case, they already lost the moment he hit $1 and lost his job if it was actually predatory loaning lmao

#

But that's pretty messed to be honest. I mean people can still risk getting charges and/or bankrupt (7 years of bankruptcy vs 3mo jail time tbh..)

#

But yeah that's all examples of the opposite of how and why the economy was designed in the first place

normal cargo
dreamy rose
steep girder
#

Actually predatory loaning... it practically translates to just evil acts of lending something you need without expecting to get it back...

dreamy rose
steep girder
#

but you profit from the interest they now have to pay. I guess the person you're lending something was convinced that they have any physically possible way to pay it off; irl they didn't

#

Or they were careless and didn't think ahead

normal cargo
#

If you intentionally made yourself jobless to not pay off the loan, and refusing to come to an agreement, then that's obviously a different story

#

But also like I said, it's upto the judge, spose on another day it could've gone the other way

full fossil
#

its also up to the predatory lending company cus it could be a break in and bust some shins with a baseball level predatory loan

#

not sure what this discussion is even about though or why you care about your uncle like that

#

dude took a loan, agreed to pay, ???, judges? courts? ok?

normal cargo
#

Just talking about how the system works, it started out as talking about credit scores, collections accounts, how ccjs are handled etc

#

My uncle being an example

steep girder
#

Well yeah I mean I'm guessing that the judge clearly saw that your uncle was a good guy who had some bad luck recently. I guess if you do that intentionally, maybe that same judge will actually force you to turn that $1 into $1000 + monthly interest by next week lmfao

polar fern
#

Credit scores. Don’t even get me started on credit scores.

steep girder
#

(or pick between 3mo prison and 7 years bankruptcy lmao)

full fossil
#

you dont go to jail for loans

steep girder
#

But seriously, if you mess up your score, you'll end up paying for it eventually

steep girder
full fossil
#

i mean ok but thats not what you said

steep girder
#

Oh I was just being ironic lmao

tardy ore
#

Love your stuff linus

steep girder
#

Even if you're not bankrupt, you'll have to build it back up. Those same generic brand master cards I mentioned earlier will be the only things you can get at some point. So you'll be paying like double interest, yearly fees and definitely airmiles and cashback bonus off the tables lol

polar fern
#

There is no Linus only Zuul

full fossil
#

why do you have to build it back up?

steep girder
#

Because money lol

full fossil
#

cus society tells you to? just go be homeless on the side of the road

#

do what you want.

normal cargo
tardy ore
full fossil
steep girder
#

I guess if bankruptcy is any different, you might consider 7 years screwed vs building back up immediately because it costs more money.

normal cargo
full fossil
#

sure. not for loans though

normal cargo
#

Well the loan leads to court which leads to contempt

full fossil
#

no it doesnt

#

child support isnt a loan either

polar fern
#

This discord server is run by the LMG community team. Linus doesn’t see anything on here or post in here.

tardy ore
#

Small claims

polar fern
#

Thicc claims

full fossil
#

small claims is civil. you dont goto jail for civil things

tardy ore
polar fern
#

Mhm

normal cargo
steep girder
#

Ultimately, you need a credit card to rent a hotel or car lmao. So don't mess up your score/build it back up asap. If you're bankrupt, you're in for 7 years of nobody lending you a rubber boot with 999% interest daily compounded

full fossil
polar fern
#

Contempt of court can send you to jail. Definitely try to avoid that because it’s the most stupid thing of all time to have on your record.

normal cargo
full fossil
#

and im saying no. it doesnt.

tardy ore
#

But they can't hold u in contempt as long as you pay something, even if its just a $1. It shows you are trying

steep girder
#

Also, if you're declaring bankruptcy, I think you oughtta be good at hiding all of your stuff. Don't they come in and liquidate everything you own?

normal cargo
full fossil
#

prove it

red breach
full fossil
#

maybe in some other country besides murica

valid siren
red breach
steep girder
polar fern
#

A legitimate domestic bankruptcy of a private individual? Typically, they’re not going to take literally everything they will leave some clothing and refrigerator and stove. Otherwise, basically you lose everything.

full fossil
red breach
#

it's not a civil debt

full fossil
#

yes it is

valid siren
normal cargo
# full fossil prove it

The court can order you to attend a court hearing to discuss your income and ways you can pay the debt. If you don’t attend this hearing, the court will find you in 'civil contempt' and you’ll be ordered to pay what’s owed immediately, or possibly receive a prison sentence – although this is a last resort and very rare

Yea I'm UK, but that wasn't a secret, but civil contempt can land you in jail

full fossil
steep girder
polar fern
#

Here in the United States, it is slightly different.

valid siren
full fossil
#

if you cant pay the loan. you arent going to jail. you can be told to go explain that to a judge 100 times and they arent putting you in jail.

steep girder
#

I highly doubt the liquidators will give you >= to what you sold for

#

Tbh I doubt just the = part lol

normal cargo
#

US law - Unlike other civil penalties, however, civil contempt of court can result in jail time. For example, a party who refuses to turn over documents requested during discovery may find themselves charged with civil contempt of court.

full fossil
#

its not contempt

valid siren
normal cargo
full fossil
#

you dont have any money

normal cargo
full fossil
#

you can not pay the court order. you arent going to jail

polar fern
#

@steep girder correct. They auction everything off and then whatever balance is left you still owe

normal cargo
red breach
# full fossil you can not pay the court order. you arent going to jail

https://www.solosuit.com/posts/where-go-to-jail-debt#:~:text=The short answer is no,is disobeying a court order. The short answer is no, you cannot go to jail for just owing a debt. However, you may have to serve jail time if you are guilty of contempt of court in connection with a debt lawsuit case.

Contempt of court is disobeying a court order. Below are the steps to being arrested for a debt in this sense:

Step 1: You don't pay your bill
Step 2: The creditor or debt collector sues you
Step 3: You fail to show up at court
Step 4: The court orders you to make a payment or show up for a hearing
Step 5: You do not comply with the court order
Step 6: You can go to jail for failure to comply with the court order

steep girder
red breach
#

literally wrong until you were right

normal cargo
valid siren
red breach
#

if a judge orders you to pay (usually because you can but not always), and you don't, that's literally a crime. that's it.

#

and guess what child support is?

normal cargo
red breach
#

A court ordered debt. that's it.

full fossil
steep girder
#

08 (1) A person who, being required by law to attend or remain in attendance for the purpose of giving evidence, fails, without lawful excuse, to attend or remain in attendance accordingly is guilty of contempt of court.

full fossil
#

you can not goto jail for not paying your loan.

valid siren
normal cargo
red breach
full fossil
red breach
#

it's not a civil debt. it's a court ordered debt from the start

full fossil
steep girder
#

So basically you're treated as 'failing to continue attendance' in court if you stop doing what you're supposed to

valid siren
#

I'm betting $5 that this ends with Funk blocking someone.

red breach
polar fern
#

@valid siren 🤣

red breach
#

you're literally in circles.

full fossil
red breach
#

fuckin READ

full fossil
#

im not in circles. a loan is not child support. you can not goto jail for a loan. you can go to jail for not showing up to court dude

normal cargo
red breach
#

Step 4: The court orders you to make a payment or show up for a hearing
Step 5: You do not comply with the court order
Step 6: You can go to jail for failure to comply with the court order

polar fern
#

🤦‍♂️

full fossil
red breach
#

the court orders you to pay, you do not comply (pay), you go to jail. that's it.

full fossil
red breach
full fossil
#

you can stop responding to me if you cant even folow ur own example

valid siren
full fossil
red breach
#

don't - get found to be in contempt of court ( a crime)

polar fern
#

🍿🥤

red breach
#

boom, jail.

full fossil
normal cargo
# full fossil contempt isnt civil

Lol, do you not follow what I've said ?, I've said all along, that you can go to court for a loan and be held in contempt for refusing a judge's court order. I never, at any point, said you go to jail for the loan, I said you go because you've disobeyed a court order

valid siren
dreamy rose
red breach
full fossil
full fossil
red breach
steep girder
# full fossil contempt isnt civil

Yeah but the court itself and the judge are still authorities in the same regard. The only difference is which 'type' of courtroom and justice it is because one is designated for the plaintiff to be a civilian, others can be different stuff like the 'state' or 'crown' however the gov calls itself there

full fossil
#

you can not go to jail for a loan.

red breach
full fossil
#

period. keep arguing stupidity. you can goto jail for not going to court. congrats. 👏🏾

normal cargo
red breach
#

the same way to engage contempt applies whether you engage it by not showing up to a court for a civil debt, or you've skipped out on paying for a court ordered debt

full fossil
steep girder
#

I mean going by that same logic, if I murder the judge in a civil courtroom, it's just a civil matter; it's not a criminal offense like it would be in a criminal court :V

red breach
full fossil
dusk pond
#

my wifi giving me 500kbps whilst my hotspot is giving me 140mbps 🗿

full fossil
polar fern
#

Is this really happening right now?

red breach
#

it's a court ordered civil debt

full fossil
#

so stop linking me things with child support

normal cargo
steep girder
#

So I guess if it's a civil matter when somebody gets murdered, they have to sue their killer.

full fossil
red breach
dreamy rose
full fossil
red breach
full fossil
dreamy rose
#

so which one of you is missing the payments?

full fossil
#

if you take out a loan you arent going to jail over it ellyvShrug

valid siren
#

Pretty sure this is a world record for longest Funk's gone on in an argument without bocking people

steep girder
red breach
polar fern
#

custody agreements are basically a standing court order. If you violate the custody agreement, including with child-support, you will not like the result. Yes you can be arrested and yes you can be fined and you can have custody removed etc.

dreamy rose
red breach
#

won't it be nice when they're just shouting at themselves alone in a room with white walls?

full fossil
#

id love to see you get your friend arrested over 50 dollars KEKW

#

BUT HES IN CONTEMPT YOUR HONOR

steep girder
#

Also you can expect more interruptions from people in civil cases especially if it's over like a damaged car between neighbors.

dreamy rose
normal cargo
steep girder
#

Imagine every time judge judy got interrupted or insulted even somebody had to go for a couple months to prison lol

full fossil
#

noone ever said you cant be jailed for contempt. not paying a loan isnt contempt if you cant pay the loan. 😐

polar fern
#

🤦‍♂️

dusk pond
#

damn this chat is all legal issues n shii

full fossil
#

legal is annoying asf yes

polar fern
#

Linus law tips

dreamy rose
steep girder
dusk pond
dusk pond
polar fern
#

I actually never saw the show

full fossil
dusk pond
normal cargo
steep girder
#

And the funny stuff can end up working out the way it should despite being designed to serve a completely different or opposite purpose

polar fern
#

I’ve heard it was good

full fossil
dreamy rose
normal cargo
full fossil
#

and i said a loan wont put you in jail

normal cargo
polar fern
#

At the end of the day, even when the legal system is perfectly adhere to its still going to have problems because history, politics, etc. Ok, moving along.

full fossil
#

i never said that

hollow pulsar
#

A number of years ago, someone I knew was advising in a courtroom and someone failed to show. The judge was about to issue a warrant but my friend provided some insight… the defendant was from Mexico and if you don’t show up, the courts tend to forget about you. My friend offered to personally summon them in to court at a later date so that they wouldn’t have to be arrested.

full fossil
#

loans dont always lead to court

stray apex
normal cargo
stray apex
#

which is technically true, but also not useful

dreamy rose
polar fern
#

Yeah, even town to town

hollow pulsar
#

That is why we arrest people for trying to avoid the legal system. The legal system breaks down without enforcement-no matter how small or petty it seems to be.

full fossil
normal cargo
polar fern
#

This is why lawyers make the big bucks

full fossil
dreamy rose
#

CAN.

steep girder
normal cargo
full fossil
polar fern
#

All loans lead to Rome

normal cargo
polar fern
#

And when in Rome do as the Romans do

dreamy rose
hollow pulsar
normal cargo
# full fossil you can not goto jail for civl things.

Unlike other civil penalties, however, civil contempt of court can result in jail time. For example, a party who refuses to turn over documents requested during discovery may find themselves charged with civil contempt of court

full fossil
hollow pulsar
#

Nope

#

That’s where you are wrong.

polar fern
#

So basically all roads lead to people doing everything the same? 🤔

full fossil
normal cargo
full fossil
#

what are you going to do?

steep girder
#

Or building the largest ever amphitheater in history

hollow pulsar
polar fern
#

Dear judge, pls monies. Kthsbai

full fossil
normal cargo
#

Jesus Christ, they can

full fossil
#

no they cant

steep girder
#

Which btw officially the largest known one ever built to this day is the Colosseum... we still haven't build one bigger than the Romans did apparently...

hollow pulsar
steep girder
#

wtf. We have like structural steel and laser levels

stray apex
normal cargo
full fossil
#

i can refuse to pay cus i dont have money

full fossil
hollow pulsar
#

You are misconstruing legal terms.

full fossil
#

no im talking about loans

#

and civil proceedings.

steep girder
#

Yeah in divorce you're worried about splitting what you already have

full fossil
#

thats not a loan

normal cargo
hollow pulsar
#

A refusal means you have the ability to, but won’t.

dreamy rose
#

how many years mr law man?

steep girder
#

If you walk out of divorce owing more than what you can pay, you screwed up somewhere lmao

hollow pulsar
#

An inability means you can’t - whether you want to or not.

steep girder
#

You can probably always be in contempt by not following court orders though. As Corewyn said.