Yep, at those percentages there's likely an amount larger of piss in every breath you take indoors. Always remember, it's the amount that kills (or tastes like piss)
antimidas
TBH, a dissertation as a suicide note sounds kinda like a power move.
It really sticks to your ribs.
Serves me right for assuming Germans had a similarly judgemental attitude to people who have ruined their finances. Thanks for the correction.
Finns often have a very puritan attitude to debt (you should fear it like the devil), and in the common discussion it's often attributed to the ethics of the Lutheran church. That's at least partially the reason we still don't have a real personal bankruptcy option. Somewhat surprising to me that a country that shares that value system could be that forgiving to people – I'm a bit envious even 😅
Around here Klarna and other similar companies have long been seen as exploiting the fact that debt is really difficult to get through proper sources, and there's a matching draconian bunch of collections agencies to support that business model. We've mainly been trying to tackle this by regulating the process of giving out loans, instead of giving people the necessary way out and thus giving the corporations an incentive to self-regulate.
If bad credit is actually no longer possible to collect on, it ceases to be good business. Hats off to Germany for having a proper route out of predatory loans.
That certainly contributes as well. I find myself especially annoyed by AI-created soundtracks – they usually sound like a mix of someone passing out in a drumset while someone else is hammering random keys on a keyboard. Similar to the early deep dream AI pictures, but for music.
I'll try to find some and link, but I'm not sure if there are good ones.
Edit: couldn't find one with quick googling. Guess I'll have to write one when I have time.
Klarna 'bout to find out their business model doesn't work as well in the US compared to the Nordic countries and EU, as
- People are already up to their neck in debt, putting Klarna to the back of the queue in case there's a default
- Personal bankruptcy is a thing
Especially the Northern Europe personal bankruptcy is really not a thing, fuck up your finances and you're never going to see a penny you make (above what you strictly need to live) until everything has been paid back. Debt that is actively being collected also never expires.
There's a good reason Klarna's been able to thrive in this environment – getting debt from banks is quite difficult and you have added security from the draconian collections process.
In the US a company ignores credit scores at their own peril. The bankruptcy process is one of the few things that works better in the US than in e.g. my home country Finland.
Also, at some point people lost the skill of making short ads on YouTube (or YouTube reduced the price of unskippable ads too much). If your brand or product is so bad you need more than five seconds of advertisement before a YouTube video, you either need to improve your product (so it's easier to describe) or hire a better copywriter.
Most actual good ads on YouTube have been 5-10 seconds, interesting, informative – and they fulfill the actual part of what the ad is trying to achieve. They get you interested, and get you to click it to find out more. They have a clear message that you can internalize even before realising there's an ad running.
It's almost as if advertisers are purposely making bad ads to force people to watch through them without interaction to avoid paying the premium for the user click rate. That or they simply don't understand the amount of value a good ad director and a good copywriter can generate.
Keep them in a well ventilated space, if they rot too quickly it may be due to ethane making them ripen too fast. A mixed fruit bowl is one of the worst possible ways to store fruit.
Apples offgas ethane as an example, making other things around them ripen faster. In a cool, ventilated environment where you replace the ethane with something inert they can last over the winter.
I tend to get 1-2 weeks of shelf life from fruit, though I tend to only buy the stuff that stores well. (apples, bananas, oranges etc.)
Or, if you do want to do illegal shit over unencrypted forms of communication, use your own encryption layer on top, so you can actually be 100 % sure that there's real E2EE. This is the way e-mail encryption was meant to work, before someone added TLS to the standard and everyone thought it's OK as they trust the e-mail service provider.
Yep, the issue is that the server stores the messages centrally in plaintext, and most email users nowadays assume that the server always has a copy. That's why we have PGP and ring-of-trust, and why there used to be a lot of push to use that with especially E-mail. Especially with the preparation to post-quantum era, any communication you actually want to stay secret should be encrypted with (symmetric) keys you exchange in person. That way there's no log or key exchange that someone can see or store, and thus break in the future.
Unfortunately people in general deemed the centralized solutions "good enough", and for "more secure" contexts we got the abysmally horrible solutions like Secure Mail. PGP's problem was, that the trust needed to be established in a distributed manner outside normal communication which the layperson found confusing. It also was problematic in corporate contexts, as proper client-side encryption meant that the company could no longer scan through employee messages.
It's still the best way to make e-mail safe, though.
Ed. It's the standard text editor.
https://www.gnu.org/fun/jokes/ed-msg.html