subignition @ subignition @fedia.io

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2 yr. ago

Should probably plan for the worst case scenario where that trade is eliminated and mitigate it elsewhere as best as possible. America's leadership has become cancerous, and figuratively speaking, leaning into their isolationism and letting them starve themselves out as a consequence of not understanding how economic globalization works is probably the best shot at real change.

Working as intended to maximize new debtor creation. 🙄

Oh no. Anyway

So, this magazine isn't one of the ones that has a hard prohibition on rephrasing headlines, from what I can tell.

You could simply edit the title to better reflect the actual content of the article.

Which, incidentally, is what not bottling it up means.

It's gotta go somewhere, the tough part is finding an appropriate place that isn't back at yourself.

Citizens not having guns is not going to stop criminals from having guns

Young Americans can already barely pay for food and rent let alone luxuries like entertainment

Hot take but maybe you should read before replying. He's not been executed yet.

That would be extremely funny

I don't think I've ever read the source material but dang that's like 70% iambic and I respect that

You're right, it's not a bad analogy, you're just failing to make a cogent point. Even though you're trolling, I'll bite:

"Using a grocery store" encompasses everything from buying fresh ingredients and cooking your meal (assembling a computer from parts, customizing it to your liking) to buying entrees and sides you like at the deli (ordering a custom build with parts you picked, letting someone else do the legwork) to buying whatever TV dinners are on special in the freezer aisle (walking into a Best Buy or Apple Store and buying anything with a screen, because you need a computer and don't care about the details)

"Hunting for all of your food and cooking it from absolute scratch" would be what, writing all your own software? Fabricating your own CPU from silicon? Obviously vanishingly few people are doing that, though there certainly are people with electronics knowledge going more granular than slotting parts into an ATX motherboard. But that's not what myself (or anyone in this thread from what I can tell) is advocating people do. If you think it is, you grossly misunderstand FOSS. I'm genuinely curious what you think I'm getting at by saying some things are overly simple.

What I'm frustrated with, to use your analogy, are the companies making TV dinners who don't even include the microwave wattage in their vague instructions on the box. And subsequently, the customers buying them, turning an already mediocre product into a disastrous result, and trashing the company on social media. Then reaching out to the manufacturer only to be told they just need to buy a new microwave. Sometimes the customer doesn't even bother to read and puts the TV dinner in the oven instead, then gets mad when their kitchen fills with smoke and their dinner is inedible because of the melted plastic.

What are you even talking about? You're trying to make an analogy here but it's a really poor one.

You should not expect to use a tool (edit: competently) without spending time learning how to use it. Photoshop has a learning curve too, even if it's an easier one.

Big tech designing their products to be overly simple is one of the driving forces behind the average user having poor patience and aptitude for tech.

You could've chosen not to victim blame, but yet you did it anyway.

All banks in the US have similar authority, please see my lengthy post under the CFPB link elsewhere in the thread if you are actually here to discuss rather than sling cheap insults

TL;DR:

• If it's an ATM or one-time debit card transaction, you have to opt-in for them to charge you a fee
• If you didn't opt-in, they are still allowed to cover the overdraft if they want to by taking from other accounts you have with them, they just can't charge you an extra fee for doing so.
• If the overdraft is due to a preauthorized/recurring debit card transaction, a check, ACH, or other transaction not covered by 17(b)(1), your consent doesn't matter, they get to charge you a fee.

Please look at the wording of 17(b)(1), emphasis mine:

Except as provided under paragraph (c) of this section, a financial institution holding a consumer's account shall not assess a fee or charge on a consumer's account for paying an ATM or one-time debit card transaction pursuant to the institution's overdraft service, unless the institution:

The opt-in requirement is ONLY for ATM and one-time debit card transactions. For a preauthorized or recurring transaction like dinckelman was discussing, that does not apply.

Also some relevant sections of the official interpretation of 17(b):

2. No affirmative consent. A financial institution may pay overdrafts for ATM and one-time debit card transactions even if a consumer has not affirmatively consented or opted in to the institution's overdraft service. If the institution pays such an overdraft without the consumer's affirmative consent, however, it may not impose a fee or charge for doing so. These provisions do not limit the institution's ability to debit the consumer's account for the amount overdrawn if the institution is permitted to do so under applicable law.

8. Outstanding Negative Balance. If a fee or charge is based on the amount of the outstanding negative balance, an institution is prohibited from assessing any such fee if the negative balance is solely attributable to an ATM or one-time debit card transaction, unless the consumer has opted into the institution's overdraft service for ATM or one-time debit card transactions. However, the rule does not prohibit an institution from assessing such a fee if the negative balance is attributable in whole or in part to a check, ACH, or other type of transaction not subject to the prohibition on assessing overdraft fees in § 1005.17(b)(1).

Edit: Opt-in requirement is specifically only for ATM transactions and one-time debit card transactions. It would not apply to a monthly transaction as described above. Read my post further down for full details.

That is not necessarily true. I opened a savings account recently and their terms were basically "We normally reject transactions that would cause an overdraft but we may choose not to at our sole discretion and if we do pay it you will owe us"

look again. subject's right hand has 5 fingers plus a thumb

The upgrade pack is also free for Expansion Pack tier switch online subscribers from what I've heard at least for botw/totk. So if youre already on one of those for N64/GBA/Genesis/GameCube then it's no extra cost

Chrono Trigger MSRP was $70 iirc and some titles were even $80