1. No, but similar to manual underwriting on a mortgage, if my credit was zero, the employer would need to do a little more leg work. That's largely what the credit score does, it replaces the manual legwork of the past.

  2. A potential employer doesn't "need" to do anything. They can just not hire you, and probably wont if you start going on about how you have no credit and they have to manually assess your credit worthiness.

  3. Right. But if you have a home, credit cards, vehicles, and good credit, does any of that stuff really matter?

  4. A lot of employers do credit checks these days. If you open a bank account they'll probably run your credit. If you want to finance something, like furniture or whatever, they will check your credit. It's entirely possible you could get by pretty well with crappy credit if you already have everything you need, but why would you want to take that risk?

  5. There is no such thing as a diet. The instant you say I am on a “diet” then what you are saying is you are only doing something temporarily, meaning you will lose weight and then gain it back. If you do that consistently you are training your body to be more efficient at storing fat, so “diets” are the biggest scam in history. If you notice closely the people that use the term “diet” are the people who are the least in shape. Lift heavy weights, do cardio twice a week, don’t overeat, sacrifice your dessert. If you want to have beer then don’t eat cake etc…

  6. I'm dieting and I'm in pretty good shape. Just about 5 to 10 pounds over where I want to be (I'm 6' and 170 pounds right now). I'm pretty active and eat pretty healthy but i will put on weight if I'm not careful. New job has free food which is a nice perk but led to weight gain.. And yes, this "diet" is temporary. Once I hit my goal weight i will ease off, just need to eat less than i was before.

  7. Edit: lol nvm. keep up the quality buttposts <3 thought you were one of them

  8. Lol, maybe my statement was somewhat hyperbolic but it doesn't negate my point bud. A lack of regulation is what led to all these scam exchanges and people losing everything. Whether it's no regulation or few regulations doesn't really make a difference. Nice try arguing semantics though, focus on substance next time.

  9. I said if they were regulated as securities this wouldn't have happened. I'm not going to post the entirety of securities law here, it's pretty long and complex, as is to be expected, but you can certainly look it up. Not sure why you have such a chip on your shoulder about this. Is it really that painful to acknowledge these people are scammers that are ripping people off and they need to be better regulated? How much have you lost?

  10. Except this ponzi scheme scam has nothing to do with libertarianism. You created a strawman.

  11. They only want to be bailed out because they lost money. If it was someone else losing money i guarantee you they wouldn't give a shit and would not want to fund any bailouts.

  12. They were libertarians up until they got fucked over. They always assumed they were the smart ones who would make money off everyone else. The whole crypto space is basically scammers trying to outscam each other.

  13. Doesn't look like a strip club to me. There are guys and girls there (and kids apparently). There's no pole, performer is clothed (barely), it looks like there is a small stage, but it's the kind of stage you would have at a bar for bands to play. At a dedicated strip club the stage is up higher, there's a pole, there's seating all around the stage, usually there's some kind of railing to keep people back. To me it looks like a drag show at a bar/restaurant. People might tip bills at a drag show, that doesn't make it a strip show.

  14. not gonna bother to look the numbers up but i really doubt they beat mexico

  15. El Salvador has about 700,000 visitors a year, Mexico has 35 million, so Yea, no chance.

  16. The target duration of a UK bachelor's degree is 3600 hours: 120 credits per year, each credit representing 10 hours' study. The standard duration of a UK master's degree is 1800 hours: 180 credits during a year, similarly 10 hours' study. So 5400 hours, barely half of 10000, gets you from 18 to 22 with a Level 7 qualification.

  17. Not disagreeing with your basic premise but it takes way more than just going to class to get a degree. Homework, term papers, reading books, studying, group projects, etc. Not to mention if you have to work to pay for school that's more of your time gone.

  18. The 10 hours per credit, in the UK at least, is supposed to wrap up all study and related work. We certainly get pressure from students if we exceed that.

  19. That's 30 hours for a three credit course. In the US that wouldn't even cover your class time. It would be 45 hours for classroom instruction alone for 3 credits and an estimated 90 hours of preparation outside of class.

  20. Yep, you guys got the libertarian utopia you dreamed of. No consumer protection laws, only the strong survive, it's up to you to read and understand the fine print on every contract you agree to. If you miss a tiny detail or loophole in their legalese and lose all your money tough shit. Maybe now you understand why no libertarian society has ever succeeded.

  21. We treat the object behind the event horizon as a mathematical singularity for the purposes of simulating its attributes and affects on the universe but we do not know if a physical singularity actually exist. There could be a degenerative force that maintains a voluminous object or the matter could be reduced to a fuzzy ball of strings that occupies the entirety of the space within the horizon. We won't know until we have a theory of everything.

  22. Seems like you should be able to figure it out from studying mergers. Two points would merge differently than would two objects with finite dimensions.

  23. You can't get any information about what is behind the event horizon, by definition. Two points may merge differently locally - but from on our side of the event horizon, it must appear identical. Hence the postulate "Black holes have no hair."

  24. It's not "by definition", and that's not how science works anyway. Something is not automatically true because you defined it that way. Many refer to it as the "no hair conjecture" because there are many possibilities where it could be proven wrong. In fact it seems others already had the same idea as me:

  25. I ALWAYS tip servers in cash.... don’t want the credit card company or their employer taking a cut.

  26. Plus if you pay on a card i think it forces them to declare those tips and pay taxes on them.

  27. They should be declaring that and paying taxes on it anyway. What should be up for debate is the percent of taxes someone should pay based on their income, not whether or not they should have a loophole available to them to skip paying their fair share.

  28. They should be, but very few do.

  29. Bankruptcy doesn't mean you're broke, it just means your assets/cash flow aren't enough to sustain your business. Celsius certainly has money, they probably have a lot of money, it's just not enough to pay out withdrawals, service their loans, etc. They have halted withdrawals, might default on debts, etc. What money they do have they'll use to pay staff and lawyers.

  30. Yes, the evidence they're heading towards bankruptcy is the fact they have hired bankruptcy lawyers, halted all communications and stopped withdrawals. If they were planning on salvaging this business somehow they would make some good faith efforts to communicate with people and maybe allow some limited withdrawals. You are high on hopium. You and everyone else were scammed. They told you what you wanted to hear, you threw your money at them and the show is now over, the lawyers are taking over. Alex got his, you're left with nothing.

  31. Dude, you're delusional. It's over. There is no secret plan to save Celsius and get your money back. Their business model is fundamentally unsustainable. The plan was always to exploit the lack of regulation and lie to people to get their money. They were funded with one billion tether fun bucks printed out of thin air. All indications are they are going bankrupt and you will be an unsecured creditor along with everyone else.

  32. "rebelled at 19" that's just an adult making their own decisions

  33. An adult can make their own decisions and still rebel against their family in the process.

  34. No they can't. It implies that parents are in control or rulers over their children's lives. If a parent told their child they need to jump off a cliff the adult child isn't rebelling because they refuse to do what their parent wants.

  35. Parents do have some control. Oftentimes they are providing financial support for their child, the child may still be living with them, and there's also the social, family aspect. So say you have a 19 year old who still lives with their parents, and is financially dependent on them. They decide to drop out of school, move in with a drug dealer boyfriend and open an onlyfans account. Legally they can do that, but legally parents can stop supporting them and ban them from family events. Most people would consider that an act of rebellion. The legalities are irrelevant.

  36. Celsius advertised itself as a bank. They communicated weekly, and were backed by multi-billion institutional funds. They had offices across the world, hundreds of employees, and Alex himself said self-custody was not the best solution for most retail crypto normies.

  37. A lot of people also said it's a scam, the rates are unsustainable, their executives are literal criminals and you'd be a fool to trust them with your money. Many said that in this very sub and were ignored or shouted down. Why didn't any of you listen to them?

  38. When water freezes at 0 C it's at its maximum volume. As the temperature goes lower it will actually shrink like any other solid, so yes, it should be fine at -250 C, assuming it's fine at 0 C.

  39. You can freeze tin cans. It's not advised because it can compromise the seal, but often times it's just fine. Cans are designed to flex a little.

  40. Idk maybe because one sub is of support on a subject and the other subject solely exists to have a giant hate train on said subject. The only difference is since 2011, if any of the haters bought btc they would be filthy rich rn. I’m sure any supporters from 2011 are already rich

  41. Clearly you guys don't solely exist to talk about crypto. This thread is proof of that. You also spend a decent amount of time obsessing over crypto detractors.

  42. Apparently you care about us enough to post in this thread and respond to us lol. I'm not responsible for what anyone else posts.

  43. A financial advisor takes your age, income, goals, risk tolerance, and other personal factors and trades on your behalf. None of that matters in index funds. The truth is it is hard to be objective when dealing with your own money. My FA would never recommend Tesla to me because my risk tolerance isn't as high as it used to be.

  44. Very few people actually need an adviser. You can put your money in index funds/target retirement funds yourself (which is all most of them do) for free. Your adviser should not be "trading on your behalf". Any adviser that is actively trading on your behalf i would ditch. Very few fund managers reliably beat index funds, and those that can aren't going to be working for relative peanuts advising average Joe's. If you are independently wealthy an adviser might be a good idea, at that stage they should be helping you with more complex tax avoidance strategies, structuring your estate so you can pass as much of it off to your heirs as possible, etc. For an average worker with a retirement and brokerage account, if you get an adviser you're paying thousands a year for someone to plunk your funds into index funds. It's a waste.

  45. I think you’re the one rewriting history. The iPhone was announced 6 months before the launch and people were freaking outs about the improvements it brought. Lines around the block on launch day.

  46. Apple fanboys were and are always excited about Apple product releases, they don't necessarily speak for the masses. There were plenty of naysayers as well. A problem the metaverse could solve are the limitations of the tiny screens we carry around with us. How many people use their phones for productivity work? Very few, the screen is too damn small. What if you could have a multi monitor display setup that you could carry around in your pocket? Anytime you want to do some work you just put on a pair of glasses or goggles and suddenly your ideal desktop environment is right there in front of you.

  47. We'll have to agree to disagree my man. I've lived through a number of technological revolutions and i happen to view that particular one differently from you. Have a good one

  48. Someone is pumping hard to try and keep it above 20k, every time it slips below it gets immediately pushed back up. I wonder how much stamina they have before they can't keep it up any longer?

  49. Tether can pump literally billions of fun bucks into the market if they want to.

  50. Its amazing that pump and dumps are so common in crypto that they now call any price increase a pump.

  51. Same thing with exchanges shutting down when it dumps. They used to say it was for "unscheduled maintenance" or some BS. Now they just come out and say it's to prevent people selling and no one has a problem with it.

  52. A few hundred bucks would probably end up being written off, but since you call it "substantial", chances are they won't let you off the hook that easily. Getting the debt locally certified and then sent to collections in the US is a rather straightforward process; there are agents handling this (which will tack on a large fee to your debt and might also affect your credit score Stateside, if they report it).

  53. A foreign creditor can't simply "send a debt to collections" in the US. It's not that easy. They would have to file suit in the US against

  54. They absolutely can, all it takes is getting it certified in HK which is a matter of days.

  55. After that they would have to file suit in the US. Don't take my word for it though, listen to the US State department:

  56. I don't think this is how it works. More likely, Tether has $6.6B in BTC in its reserves and sold it to Binance, taking $6.6 off its "reserves", so they need to burn that much USDT. Now sure how they recalled those tethers though.

  57. You're assuming tethers are all backed 1:1 and tether redeems them 1:1. This is probably not the case. Tether only deals with big exchanges and we don't know what sort or deals they have with them.

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