msbeta1421

So basically,

1. Banks will repossess vehicles to try and minimise losses
2. Banks will not be able to sell those repossessed vehicles, resulting in losses
3. Banks may become insolvent as they are unable to liquidate the vehicles
4. Government steps in to bail them out

New vehicle prices are not in line with their actual value, so banks are making loans that aren’t covered by the collateral. This is shit management by the banking industry. If it’s impossible to get an auto loan then vehicle prices will eventually fall as supply stacks up. Banks are feeding this cycle by being unrealistic in these loan assessments.

This is a great example of why completely de-regulated markets don’t work. It’s the government’s job to ensure that consumers have choices and prevent both regional and outright monopolies.

Provision of choice allows consumers to vote with their wallets unless firms collude to fix prices.

Either way, this is the fault of government regulators.

I do believe market economies are still the most efficient means of managing resources, but there have to be guardrails. Free Market implies that consumers are free to choose, but that choice shouldn’t come down to Option A or Nothing.

Apple will start selling subscription services to Android platforms including iMessage. It’s just a matter of time.

That’s a bit myopic. VC is just a fancy word for large financial backer.

You can basically credit the entire age of discovery (America, Australia, etc.) to “VC” in the form of kings and wealthy elite financing voyages.

I think modern VC goes awry when they become defacto decision makers for the venture in question.

I don’t believe historic models can accurately account for today’s level of globalisation.

I literally got my Masters degree because I got pissed off at work 2 years ago.

LASIK Good quality gym wear (Lululemon circa 2015) Investing in mental health via a psychiatrist

My tastes have definitely changed.

I’m old and I’m busy. I don’t have time for fetch quests that are uninspired time sinks. I don’t have time to play through a game with janky mechanics just for a few bright spots. I don’t have time to farm repetitive shit just so I can do X thing.

I’ve found that most AAA games care more about the time you spend playing rather than whether the game is fun or not. Diablo IVs rapid fall from grace is a prime example of this. This will not stop; it is the end point of the business model. A fun game that people sink 40 hours into and drop is much less profitable than a mid-game that demands a perpetual 10 hours per week.

Others have already hit on it, but my best gaming experiences in recent years have been games that I didn’t buy on release and only found through online word of mouth and hype.

Everything like this just means now I have to spend more of my billable hours fighting through automated bullshit.

It looks like savings on paper, but the true cost is hidden when every other employee now spends more of their time not doing their actual job.

I regularly talk to myself when I drive to and from work. Obviously, I drive in alone.

It’s not a self conversation, it’s more like verbalizing my own thought processes. It helps me work through problems and make decisions.

Complain and then do it again next week

I would love if they would just roll out an iMessage app to android. Ideally free.

I could realistically see them roll out an apple subscription pack to android eventually. Give users a way to access Apple Music, Fitness, etc. May even allow android users make use of Apple Watch.

I’m not an Apple fan boy, but this seems like a decent compromise from a business perspective. This meets a need and I don’t think there’s a decent enough argument that it would cannibalize iPhone sales (flagship models anyway)