Ajax
African Astronaut
[rumor the placative aphakia]
Originally posted by GGG
I agree
Now respond again
Originally posted by GGG
And again
Originally posted by GGG
And again!
Originally posted by GGG
AND AGAIN
Originally posted by Octavian
snip
Exactly what I had imagined.
Originally posted by Zanick
I want very badly to post in this thread but I'm not sure. I absolutely—I repeat, absolutely—do not want you to reply if I decide to after all. What do you think I should do?
You should probably just do it.
Originally posted by gadzooks
Nope, but I like it. You can call me Nash Light Six henceforth.
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Originally posted by GGG
What do you think about the eventuality of a post-industrial China?
People like to think of China as a source of cheap labor. While China’s cost of labor is relatively cheap compared to other developed nations, they are by far not the cheapest. Take a look at Taiwan and the Philippines, for example. Nevertheless, the cost of labor of is not the only thing that should be considered. You also need to consider the skill level of the labor force. China is bountiful in skilled labor, a haven for those who need to have something manufactured. All of that being said, manufacturing will soon not be China’s main product. The service industry is taking over, with tourism climbing the ranks as one of China’s top exports. Some people feel threatened by this. They feel like China is growing too large as an economy. While their economy is quite large, so is their population. Compare China’s GDP per capita to that of the United States and you will feel right at home.
Originally posted by Bologna Nacho
Respond again.
I’m growing bored of you.
Originally posted by Speedy Parker
Crap up a rope
That would be difficult.
Originally posted by Grylls
Ajax are currently up 2-0, how does that make you feel?
Great!
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Ajax
African Astronaut
[rumor the placative aphakia]
Is this the kind of shit that stumps you guys? Pun intended.
The consistency of the shit would determine the urgency of your response. With limited options, there’s only so much you can do. Go to the bathroom, take off your pants and underwear and clean yourself up. Discard your underwear, which hopefully contained the majority of your shit. Again, depends on consistency.
If all else fails, order some alcohol and spill it on your pants. You would then at least smell like booze instead of shit. At worst, you would smell like a drunk who shat himself and you can blame it on the booze.
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Ajax
African Astronaut
[rumor the placative aphakia]
Originally posted by gadzooks
Yeah, but it really shouldn't be that way.
People shouldn't have to overcome such hardships.
There is a sizeable proportion of the population that don't have to deal with such things, and it's not exactly fair to those who do.
I personally wouldn't wish some of the things I've had to deal with upon even my worst enemy, let alone someone I care about.
But it is that way. People do have to overcome hardships. That’s how life is. Your view has been tainted by whatever caused you to expect life to be different. Having the opportunity to make something of yourself should make you value and appreciate what you have, especially after having worked for it. Don’t squander that opportunity.
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Ajax
African Astronaut
[rumor the placative aphakia]
Originally posted by hydromorphone
Before Wachovia went under and was bought out by Wells Fargo, I LOVED that bank. I never really had any overdrafts to name, save for one time I'd deposited a check that was supposed to have cleared like 2 days before (paycheck), and for some reason or another it hadn't cleared in my account yet, and me thinking it had, I over drafted. My fault, I shoulda checked my balance first, but I didn't as paychecks usually were available the next day if deposited. One of my close friend's sister worked there though, and she was so sweet and always fixed shit like that for me. I think back then it was a $25 overdraft fee.
Bank of America is horrible. They fucking charge money to cash their own checks which is fucked up, and they charged me like $25 for a $200 check, wtf! (This was circa 2009-2010)
I can't recall the name of the bank I was with last, but my ex begged to open an account together (FUCKING NEVER DO THIS WITH YOUR SPOUSE, THERE'S LITERALLY NO GOOD REASON! Learn from my mistakes, kids!) and then he got a payday loan… Fuckers tried to cash the check something like 35 times. They charged their $35 bounced check fee EACH TIME! I'm like WTF, okay, I get I should pay a bounced check fee, but 35 TIMES?!?! When it's $35 EACH TIME?!?! I thought you could try and cash a check ONCE, and when it doesn't clear, it's voided. Fuck no… I begged my ex to not get that payday loan, and then the stupid fucker lost his fucking job for being a lazy nigger faggot… and that folks is why I don't have a bank account anymore. Never before, even when I was a stupid teenager had I fucked up a bank account (shoulda know better since that nigger had.. but it was always someone else's fault…), but as soon as I had one with an asshole nigger, that's what happened… I don't think the account was open a year before he toasted it… and the first time, I told him NOT to get a payday loan, I thought he actually listened to me, and I found out later he went against what I'd said… God, I'm so glad that fuck is out of my life. Sure, I might have an infection in my bone, I might have a clotting disorder, and blood clots in my legs, but he was worse than all this, I'll tell ya…
Payday lenders are truly predatory and should be illegal.
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Ajax
African Astronaut
[rumor the placative aphakia]
Originally posted by Erekshun
I went head to head with Bank of America once, I won. But I am talking a good amount of money. I really don't want to business with them but they are everywhere.
Bank of America is one of the worst banks out there, right behind Wells Fargo.
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Ajax
African Astronaut
[rumor the placative aphakia]
Originally posted by gadzooks
The thing is, you went beyond that by even remotely implying that a flat $48 fee is anywhere near reasonable.
I do see what you're saying about it being my responsibility, and, like I said, I am willing to pay a REASONABLE fee for my own negligence and poor planning.
But not $48. That's just ridiculous.
Like it's so ridiculous that it reaches the point of being morally dubious.
Each of those three bill payments were an average of $200.
48 / 200 = ~1/4 = 25%.
That is undeniably unreasonable.
ESPECIALLY considering that I was taking efforts to prevent such a scenario by applying for overdraft protection and applying for a consolidation loan and so on.
To clear up your assumptions, I do not think $48 is a reasonable fee. I worked at a bank once and I waved as many fees as I could without getting in trouble.
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Ajax
African Astronaut
[rumor the placative aphakia]
Originally posted by gadzooks
This is surreal to me right now - you're really touting the "pull yourself up by the bootstraps" line here?
I am the literal embodiment of the "pull yourself up by the bootstraps" concept.
Me a few years ago: – Homeless. – Heroin addict. – Unemployed and on welfare.
So what did I do? I got clean, then I hit the books and worked my fucking ass off every single day (no weekends or other "days off") teaching myself computer programming; then I put together a portfolio to showcase my skills (you have to put in extra effort to that effect if you have no piece of paper substantiating your expertise); then I put myself out there, despite all kinds of social anxiety, self-doubt, self-esteem and self-confidence issues, and I networked and faced rejection after rejection until I found a job in my field.
So forgive me for being a tad stunned that I'm on this side of the argument, because it is a bit of a shock to the system.
I’m telling you what you need to hear. I’m sorry you’ve had a tough history and I’m glad you’re turning it around. Blaming other people for your mistakes will not get you anywhere.
Go talk to the bank manager. They might reverse SOME of the fees if you plead your case, but don’t expect it. Get your account back in good standing and move on. They are not your friend. They are a business offering a service and they exist to make a profit, that is all.
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