Re: Hey Sebby!
 

If you had more competition then maybe you'd see lower prices.

Re: Hey Sebby!
 

Bring it. I don't really like Larry Summers all that much, but now you're getting personal.

Cash is never going completely away, but alternatives to it have a whole lot going for them.

Re: Hey Sebby!
 

I'm not enjoying the Whack-A-Mole.

Re: Foreman says these jobs are going boys, and they ain't coming back.
 

Me too. Seems like an even better way to drive Trump supporters away from the party.

Re: Hey Sebby!
 

The reason why people get screwed so often now is that the banks don't want to serve them and leave them to the bottom feeders. There are fintech companies aiming to offer bank-like services to the currently underserved. Banks are justifiably scared.

Trump/Sanders Voters
 

It's all about the disconnect. http://www.mcclatchydc.com/news/poli...e68042192.html

Re: Hey Sebby!
 

That I was referring to Summers' prominent positions was clearly implied. But you knew that.

Re: Hey Sebby!
 

How this is personal escapes me. But it's unintended from my side.

Perhaps this clarification will depersonalize it on your side: I have no issue with people's preferences and market forces moving us away from cash. I personally rarely use it myself. My criticism is solely directed at efforts to legislate it out of existence, particularly to enhance authorities' oversight and give the fed and banks more power (it is aimed at making it easier to use negative interest rates as a monetary tool).

Re: Is Ted Cruz Satan? Discuss.
 

He's worked well with unions, pragmatically embraced the ACA, has stated he would not support any effort to undo gay marriage or LGBT rights, and has had the balls to tell primary voters they need to be more moderate. He also refuses to talk about his religion, taking the position it's a private matter.

I think he'd make a great, sober, sensible President. For these reasons, in this nomination cycle, he's DOA. His only path to the general is stealing it at the convention, which would render him DOA in the general.

Re: Hey Sebby!
 

(1) No one is legislating cash out of existence. No. One.

(2) Whatever is being done to enhance authorities' oversight is being driven by a desire to stop terrorists. This will continue until the let's-go-soft-on-terror crowd gets elected.

(3) None of this has anything to do with giving the Fed more power. The Fed doesn't want to use the power it has, and would rather Congress used its powers for once.

(4) If you wanted a cashless society, you would make it faster and cheaper to move money from one bank account to another. The banks do not want to invest the money to do this because they don't see upside for themselves, and more importantly because they like making money on the current ways you do this -- i.e., credit and debit cards. Merchants are tired of this, and pushed for Durbin to make debit cheaper, with partial success. For a fun time, ask a merchant why the Fed did this:

http://www.thestreet.com/story/12016...in-ruling.html

Re: Hey Sebby!
 

Yeah. All the competition between the many banks we have has surely driven down the amount they charge for atm, overdraft, checking, and other fees. Yes, they would surely completely fleece us if there were fewer banks, but the fact that they soak us the way they do with competition leads me to believe that competition wouldn't affect these types of fees very much.

TM

Re: Hey Sebby!
 

I've seen a bunch of pieces about African "banking" in areas that banks don't even try to service. It's pretty cool.

TM

Re: Trump/Sanders Voters
 

I hate these kinds of articles. Yes, Washington is a broken place, filled with lobbyists who wield disproportionate influence and politicians whose primary focus is holding on to their jobs. But the rest of the country is filled with uninformed voters who are manipulated with ease to vote against their interest and who always vote their own reps back into office while pointing at the entrenchment of every other rep and saying, "That's the problem." Our country is filled with morons who either don't vote or consistently vote against their own interests. And then they're all pissed about it and think the answer is someone like Trump who cares even less about them than the lunatic who is in second in the primaries who is all-but-literally married to Wall Street.

People are fucking stupid.

TM

Re: Is Ted Cruz Satan? Discuss.
 

I do not.

TM

Re: Hey Sebby!
 

I think I can help with this one. It is personal because you called him "fucking nuts." I guess technically, you asked him if he was "fucking nuts," but I think the clear implication was there that you believed that he could only harbor his belief system about whatever you were arguing about if he was mentally unstable. In that way, you moved from critiquing the theories he was espousing to critiquing him and, specifically, his sanity. That is why he considered it to be personal. You're welcome!!!!!!!

Re: Hey Sebby!
 

It's really not.

ETA: But I'm glad to know you think Miles Kimball is that influential.

So I've not tried to test the methodology here
 

But as this comports with my priors I thought I'd share it:
http://media.salon.com/2016/03/CohenMc2.png

Re: Hey Sebby!
 

I know you meant to be helpful, but I take the tone of your post to be a personal attack on Sebby's ability to evaluate the impact of his statements.

Re: Is Ted Cruz Satan? Discuss.
 

Kasich is the old fashion Buckley republican: he believes that that good diction and a level voice can effectively hide a neo-fascist position on any issue.

To ready his actual website and statements, he supports repealing ACA, would amend the constitution to undo marriage equality, would ban binding arbitration and strikes for public employees, wants to defund planned parenthood, and tried to do it at a state level....

You're fucking nuts.

Re: Is Ted Cruz Satan? Discuss.
 

Sam Bee with more.

Re: Is Ted Cruz Satan? Discuss.
 

We're all fucking nuts. Why else would we even be posting on this loony bin of a chatting board? And for that I say "Thank You." Be Mice Elf. Really. Daily Dose comin' at ya, and a classic to start the week off. Sly.

https://www.youtube.com/watch?v=N5BP2KlPD4U

Re: Is Ted Cruz Satan? Discuss.
 

I meant it in the nicest way.

Re: Hey Sebby!
 

Banks compete against each other right now to offer a bundle of services relating to the fact that they're holding your money, and so they hide the real cost in fees that are hard to decipher. Fintech may change this by unbundling these services, allowing competition on a more individual basis.

Re: Hey Sebby!
 

You have a wonderful sense of humor.

Re: Hey Sebby!
 

Your scenario is unpossible.

Think.
About.
It.

Re: Foreman says these jobs are going boys, and they ain't coming back.
 

If elected, there's no way he makes it more than 90 days before his first impeachable action. In fact, I'll administer the Trump Impeachment Board where everyone takes his/her best guess as to the date he's removed from office (bonus points for naming all counts in the soon-to-follow indictment).

Re: Foreman says these jobs are going boys, and they ain't coming back.
 

This is an example of one of the many times that I am proud to have you as my Imaginary Younger Sister. Well done.

As for President Trump's first offense, I'm going to go with something related to self dealing with one of his business ventures. The supposed foreign policy press conference in DC that became an infomercial for the hotel he is allowing to use his name in what was once an old post office building is the sort of thing I suspect one can't do when one is actually elected.

In other Trump news, Patricia Lockwood (one of my favorite contemporary poets* - she has really great hair**) wrote an interesting article in the New Republic called Lost in Trumplandia that I enjoyed reading.

*"The Rape Joke" from The Awl was how I discovered her.

**See?***
http://coldfrontmag.com/wp-content/u...d-nytimes1.jpg

***Yes, I know she prefers womyn, but a man's reach must exceed his grasp, else what's a heaven for, amirite?

Re: Hey Sebby!
 

I'm not sure we are having a linear conversation anymore. If we move to a cashless system, we will be paying fees we wouldn't necessarily pay otherwise. Every argument after that about how low those fees will be because of competition seems to be a full-on tangent.

TM

Re: Hey Sebby!
 

Sorry. AFC Championship game.

TM

Re: Hey Thurgreed!
 

Traffic reports:

https://www.youtube.com/watch?v=ZRujBI_vPSM

Re: Foreman says these jobs are going boys, and they ain't coming back.
 

I'll bet she's also not into mates her parents age, but you never know.

Re: Foreman says these jobs are going boys, and they ain't coming back.
 

Well, yes, there is a massive age gap as well. But that's probably less of a deal breaker than the whole sexual orientation thing. Cupid occasionally creates a May/December romance, but he tends not to create quite as many ones between straight dudes and gay womyn.

Re: Foreman says these jobs are going boys, and they ain't coming back.
 

Spanky, how did you get NotBob's password and what has happened to NotBob?

Re: Foreman says these jobs are going boys, and they ain't coming back.
 

She's in her early 30s, fwiw.

ETA: Defensive much, Not Bob? Apparently.

Re: Hey Thurgreed!
 

Yep. Saw this awhile back (before he passed). I don't like that he didn't catch the "You on point?" reference when the anchor threw it to him. But you still gotta love it.

TM

Re: Hey Thurgreed!
 

http://files.stv.tv/imagebase/423/w7...ldin-musta.jpg

Bernie Bro learning about the Middle East.

Re: Hey Thurgreed!
 

I know! "We're on point, Mark, absolutely." Srsly???? As the kidz say, FAIL!!!!!! But otherwise good stuff.

Today's Daily Dose got on my radar through a different song by the group The Mohawks (kind of a one-off group, I think) called "The Champ." "The Champ" was sampled approximately one million times in hop hop tunes. The video for this other Mohawks cut, "Baby Hold On," illustrates the YouTube trend of digitizing vinyl through video. Often, as is the case here, by actually playing the vinyl as part of the video. I freakin' love the horn riff with the bari sax counterpoint. Plus, I love that the handle of the guy who posted it is jimmytheferret. "Hey, yo, it's Jimmy Da Ferret with a Daily Dose of Funk for youse guyz."

https://www.youtube.com/watch?v=3po99yHV2H0

Re: Hey Thurgreed!
 

there are no horns in real rock.

Re: Hey Thurgreed!
 

Are you funking nuts? (Nothing personal.)

Re: Hey Thurgreed!
 

No funking way.

Nuts!