Posts by Donna Davis8

Harold Nelson6 said:Good grief! 😁

Look, a job isn't just an end in itself—it’s perfectly reasonable for a company to lay people off for all sorts of reasons (like, say, a dip in workload—which is basically the norm these days—or just boosting efficiency by bringing in new tech). Honestly, the fact that they laid workers off shouldn't even matter when we're talking about the AT&T acquisition.

I mean, if work is just an end in itself, why don't we just ban personal laptops in HR? Then we'd have full employment overnight.

Look, I get what you're saying. Generally speaking, I agree. But I am pretty sure the average worker at Verizon isn't to blame for poor management or running at a loss. We all know who is responsible, and they don't get fired; instead, they get bonuses when expenses drop at the end of the year (mostly because of the massive payroll). It’s ironic.

Just look at what people say about Verizon. Most people are generally dissatisfied. I don't know why, and I won't dive into what needs to change since that's not my field, but it seems to me they need structural changes🤔 rather than letting go of "small-town" workers—basically the easiest targets like contractors, temporary staff, or those nearing retirement.

But hey, maybe I'm wrong. I'll leave it at that. 🙂


From my own experience, Verizon is a sneaky company. They basically trap you with those 18-month or longer contracts. Other companies do it too, but these guys aren't cheaper than the rest. You wouldn't expect this from someone who is supposed to be a telecom leader alongside AT&T. That’s just my take. They practically scammed a 55-year-old retiree by offering a cheap phone tied to a two-year plan. They promised the monthly cost would be $17, all inclusive, but the bills always come in at over $100. I hope she enjoys those extra dollars they squeezed out of her. May they choke on it.

Great, they should definitely incentivize them to start laying people off. 🙄

I honestly don't see this acquisition bringing any real benefits to customers, regardless of which side you're on. I actually predict we'll see a surge in AT&T service usage. Since this market is such a minefield—with so many different IPTV providers and triple-play bundles (TV, internet, phone)—they can't afford to mess up too much. But hey, we'll see how it plays out. All things considered, I think this is a bad move. It’s just a case of a big fish eating a smaller one that was actually providing fair service at a fair price.

anasib;3244 0073 said:I was just wondering why things are the way they are in this country. 🤣
It's enough to read a thread and see all these clever tips on how to hold onto something that isn't mine. Seriously, kudos to these people. 🙏 🙏I bow down to you!
But when one of you actually gets robbed, then there will be all the wailing and complaining about the legal system. 🤣

This isn't directed at the OP, it's for this smart crowd with the brilliant advice: "Who cares," "their mistake," "drag them to court," and so on. I hope the OP is rational enough to realize that if he follows this "expert" advice and ends up in court, his costs are definitely going to skyrocket. 😉

edit: I expect the next "argument" from this group to be something like: "Well, since Chase screwed us over, we might as well screw them back once in a while" 🤣 🤣 or "everyone steals, so why shouldn't I?" 😍 🙏

Listen, you said it yourself—that's just how things are. You shouldn't be surprised when you read stuff like this. This guy would have kept ten cartons of milk; he wouldn't be the one at fault because she gave him ten when he only wanted one. 🤦 What a cheapskate.

What can you even say to people like that? Just hope you don't accidentally wire ten bucks $0.00 to the wrong person and then spend your time crying about how to get it back. It's terrible, really. People need to wake up and grow up. They'd gladly hand over money... well, you know what I mean, just as long as they can squeeze something out of someone else. It doesn't matter who gets screwed.

I hope you change your mindset and live life like a normal citizen and, more importantly, a decent human being, rather than an animal waiting for another animal to trip so it can eat them. Truly disgusting.
Quincy:

Here is my latest update. The company accidentally paid into the wrong account—mine. The clerk has nothing to do with it, and it's not coming out of anyone's pocket at the bank. I spoke nicely on the phone with my personal banker this morning, but I don't understand why the bank is putting so much pressure on me. Why didn't the bank just reverse the transaction immediately? I'm heading to the bank this Monday, and here's the situation: I intend to return the half of the money that's left, but as for the other half, I'm not sure. What happens if the company doesn't have access to my personal data? What are my chances? Can the company sue me or something? __________________

You can see that things can end well if you just talk to people instead of being stubborn.
It's unclear why the bank is insisting so much when they aren't losing anything personally (neither the bank nor the employees). Just go to the bank, explain the situation, and tell them you can give part of it right away but can't do the rest yet. Maybe they can approve an overdraft or something similar.

In any case, Megan Grant4 is very modern 👍

An annuity payment is a fixed amount. If interest rates drop (which happened in my case),
you end up paying off more of the principal with each installment, so the balance drops "faster."

Look, theoretically, this is crystal clear to me. The monthly payment stays the same. It’s just some little guy working behind the scenes every month, calculating how much of that payment goes toward the principal versus the interest (and to figure out that interest, they need the LIBOR, which fluctuates). So, if you're lucky enough to have consistently low interest rates, you pay down the debt faster.
Most American banks have conditioned me to expect the worst, so I didn't even think about this. Honestly, here in the States, when you try to pay extra toward your loan, they often just apply it to next month's bill instead. God forbid they actually reduce your principal just because you paid more than a few installments—some banks do that, but it's rare.

I don't get why home equity loans are cheaper than personal loans (I assume your personal loan will be nearly double what that one for the Austrians is), assuming the collateral is solid (like a Lombard loan). I don't see how a higher interest rate could be justified by increased risk.

I really don't understand why home equity loans are so much pricier than standard mortgages. Aside from the fact that with a home equity loan you get cash in hand, while with a mortgage everything goes directly into the property you're using as collateral? Actually, the biggest difference is that for a mortgage, you have to pass strict credit scoring to prove you're eligible, whereas with home equity, until recently, the property itself was almost enough and your income mattered much less. I don't get why the rate on home equity is so much higher compared to mortgages. In both cases, the borrower doesn't want to lose the property they pledged as collateral. That's why they're sending out those papers now asking people to declare if they actually live in the property they took the mortgage for, but that's a whole different story. Man, we've written a lot of useful stuff here 🙂

😲 Are you actually serious right now? I’ve never heard of anything like that in my life.

Basically, when you sign for a loan, you negotiate the monthly payment amount and... how much cash you want upfront. Everything else is just whatever the LIBOR happens to be 😁

I think everyone is overreacting here. It isn't realistic to suggest we scrap our current system just to move toward some speculative model where we guess who stays eligible, who gets what, or when people might pass away in state-run nursing homes.

In my view, the main priority is increasing the ratio of workers to retirees. That is the core issue, and everything else stems from that. We also need to debunk the myth that pensions should be 80 percent of the average salary, or whatever number those union leaders are shouting about lately. Of course, that's a tough sell when seniors make up half the voting bloc, but someone eventually has to step up and do it.

A lot of you are pushing to cut those top-tier pensions. At first glance, I’m right there with you—it doesn't make sense for someone to pull in $2667 when the average salary is only $5,000. But look, they earned that through their work. They likely had much higher salaries and contributed more to the fund. It's a tricky situation. However, we can all agree on one thing: we desperately need to reduce the number of people opting for early retirement...

Look, PA, you might notice the Bluetooth connection is a little weaker, but there’s a real upside: you don't have any bulky hardware sticking out of your laptop.
Standard Wireless RF, like what most mice use, comes with a tiny receiver you just plug into a USB port. They make them incredibly small, just like that VX Nano mentioned above.
I've used both setups, and I personally prefer wireless, provided the receiver is small enough to be unobtrusive.
From what I've gathered, high-quality Bluetooth tech often ends up costing more than an equally good wireless setup.

Regarding battery life, the drain happens either way. With Bluetooth, the chip stays active, whereas with a USB receiver, the port itself draws power.

Maria Fowler39 said:😂😂 It was also pretty funny when Kljjun joked about how when Balić collided with an opponent's leg, he went to fix his tape and claimed the tape actually cushioned the impact...🤣

🤣 That’s exactly what I heard too. You're overthinking it. Like, yeah, sure, the tape cushioned the blow for some guy just trying to get to the ball. 😲 🙂
I don't think the Poles are any better than the Danes or those Norwegians. They just don't have that "class" you see from teams like France or our guys when we're playing at 100% capacity.
We could beat them if we had a good day, similar to how we scraped by Iceland once by pure luck—though even Iceland shouldn't be missing that many chances.

Everything else remains the same. Our offense is still totally aimless, and the defense keeps giving up easy goals. The lack of offensive creativity really gets under my skin, especially when we have a man advantage. Every single opponent exploits it when we're down a player, yet whenever we have the extra man, we can't seem to create an opening. Even when we do, it's so clumsy that Čupić ends up with an 85-degree angle shot.

The defense held its own, and that's what matters. Someone is always going to score. Whether it's a rebel or someone else stepping up, goals happen. The main thing is that we aren't giving up 25+ points.

It’s finally over!
Our team absolutely crushed it in the tournament match.
Bravo!!!

If we play like this, we can hold our own against France or even better yet, the Poles. It’s looking good.

Bailey is once again the league MVP...
I only really follow handball during the championships, but even as a total amateur, it’s obvious he stands head and shoulders above anyone else on any roster.
He doesn't necessarily rack up the highest scoring totals, but look at his assist numbers, how he breaks through defenses, and how many penalties he draws or gets opponents sent off 🙏

driftingpilot said:America is in the semifinals 🎉

Poland, France, or Spain?

The Americans play our style best. We’re definitely the underdogs against the French, and it’s a toss-up with the Spanish.
Let's hope Poland ends up being the second team through.

rustywalker1 said:😲 🤣 😁🙂

Man, they are totally out of their minds. 🤣😂
Calling that guy a global phenomenon is wild. 🤣
If that’s their standard, I can't imagine what else they think is good.

I know comparing different sports doesn't really make sense, like with football, but
this Denmark squad looks significantly stronger than the Russian team.
I’m honestly worried we might struggle to pull off a win there. We'll likely end up facing Austria and then have to rest our starters to gear up for the semifinals.
Just look back at how the French played in the last tournament.
Who else remembers when we took them down during the group stage?

This thread should serve as a wake-up call for all those credit junkies and people living paycheck to paycheck. They wouldn't even bother financing a washing machine anymore if they saw this. 🤣

But in all seriousness, I really feel for the guy. My advice? Start renting out the place immediately, but find a smaller unit for yourself to move into. That’s the smart compromise. If you try to sell the apartment right now while you're in a rush, you're just going to get lowballed by every buyer on the market.

And what exactly is this "girl" supposed to be helping with?
She dumped a massive loan on you and walked away with the kid, leaving you to deal with child support too.
What a joke.

I honestly believe federal regulators, like the SEC or similar oversight bodies, need to step up their game and enforce stricter controls on the insurance market here. My main concern is mandatory liability coverage. Right now, the market is a total mess. They’ve recently slashed payouts by 50% across the board, which is ridiculous. When you're dealing with an accident where you aren't even at fault, getting compensated shouldn't be such a massive headache, yet you're stuck waiting forever. Plus, there's the practical side—being left without a vehicle when you need it for your daily commute. Who is supposed to pick up that tab?

Oh, please. You’ve got 10 X’s and then another 6 more on top of that.
Even if you think keeping money in a savings account is outdated, it’s still 😁

"Living like a doctor," they say, with a $1000 salary that lets them sit around waiting for someone to go bankrupt just so they can snag an apartment for $430 a square foot. Then they get to watch that person beg for scraps. Paper can handle anything, and I guess online forums can take it too.