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asalescommunity · 11 months

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A private clinic where procedures according to a medicine are being obeyed is legal.

A patient can have an access to a patient`s card in order to verify a diagnosis. And the diagnosis is a beginning of a medical treatment when a time and medications are being monitored based on a technology.

An access to a consultation is available for an immigrant, and for all immigrants who want to pay for a private service.

A doctor can not be spied, and a spy can be fined.

A bank of sperm is available in a country where a democracy does exist.

A woman can be pregnant without knowing a man.

An author Piotr Sienkiewicz

Have a read about an economy.

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kdramaspace · 7 months

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POTW: CONTRACT MARRIAGE vs. FAKE DATING (as voted by our members and followers)

A Business Proposal (2022), Doom at Your Service (2021), Her Private Life (2019), Crash Landing on You (2019), Love in Contract (2022), Something About 1% (2016), Hwayugi (2017)

#kdramaedit #userdramas #kdramadaily #kdramasource #dailyasiandramas #a business proposal #doom at your service #her private life #hwayugi #crash landing on you #love in contract #something about 1%#potw #potw: edit #potw: 231016 #gifs #various #maker: sam

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notbecauseofvictories · 6 months

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I know my experience is not universal, but I biked 5+ miles to do my errands today and I genuinely think we'd be much happier as a human collective if we increased residential density and switched to largely alternative modes of transportation.

#I don't know /how/ you'd do it exactly but this is my vision:#all cars are kept outside a certain perimeter. you can own a car and rent your outside-the-city parking spot;#or you can just reserve/rent a communally owned car when you need one #trucks and deliveries can cross the perimeter on a job but after the work is finished they must be returned to the exterior #inside the city perimeter you can: walk or run; bike or scooter or skateboard #or you can take public transit! there are many more buses and they can move much more freely in a car-less environment #there is also the option of cabs but - and this is key - the cabbies are unionized and the service is public #like the trains and buses.#there is no privately-controlled transit in the city. it belongs to everyone.#and because the lines of parked cars disappear from the streets; they are much better utilized #more kids play in the street. more block parties. more street fairs.#take back the space!!!#anyway this is my vision.#celestial emporium of benevolent knowledge

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mortemoppetere · 2 months

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@howdy-cowpoke from here:

[pm] I'm not. But a need is a need. [...] Why not? How are hunters supposed to learn things about potential threats, as you would put it, if they do not ask questions? We're [...] fine. For now. There are vendors at this place that are not happy with me. They say I am cutting into their profits because I help feed so many zombies that live here. [...] They are organ vendors. Human organs. [del: Do I really need to-]

[pm] And, what, you have no one else to go to? [...] Usually, hunters want you to learn things about potential threats by killing them with them. I [...] don't do as much of that as I used to.

For now?

And you think they think this would be worth killing you over? [user considers this.] Which do you think is [...] the more likely? I'd start there. Look into whichever one is the most likely threat. I'd rather go after the organ vendors than the hunters.

#howdy cowpoke #monty: services #private

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dougielombax · 4 months

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Who the fuck thinks it’s a good idea to privatise emergency services?!

Apart from stupid Tories and terminally divorced tech bros.

“No, really. It’ll work this time!” - Capitalism.

I feel SICK!

“The Free Market Fire Department!

We’ll stop your house from burning down, but only if you pay a small fee of $500 and sign this contract.”

“But I don’t have $500.”

“Then you’re just gonna have to fucking die!”

Ghastly shit.

Perish the thought!

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awkward-teabag · 5 months

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Love (cannot emphasis how much sarcasm there is in that word) that an official Canadian government response to high cellphone rates is to switch carriers.

Switch it to what? We basically have three companies since one was allowed to eat the forth (with the government saying it wasn't anti-competition and the company eating the other pinky promising they wouldn't jack rates up). Even the smaller companies have to rent infrastructure from the Big Three so there's only so much they can do if that rent costs an arm and a leg.

And that's not touching on how many "small companies" are actually just subsidiaries of the Big Three. You may save $5 but you're still with Telus/Rogers/Bell.

Or that the actual small companies tend to have shit coverage because they don't have the infrastructure available to them and are prevented from getting it. Or their traffic is throttled in favour of the Big Three's customers. Or both.

Or that they're extremely regional thus aren't an option for a huge chunk of Canada's population.

We have no true options and the government has shown time and again that they're fine with monopolies, in multiple industries, and don't care when said monopolies jack up prices to make shareholders and the c-suite more money at the expense of everyone else. At most there will be a verbal slap on the wrist and a giftcard for $25 that people have to register for, for a decade and a half of price gouging.

It's not talked a whole lot about outside the country from what I've seen and heard but Canada is a country of monopolies. A handful of companies own nearly everything, every province has a family or two that owns a hell of a lot (Nova Scotia is basically owned by one family at this point), and our government ignores it. Even the branch that is supposed to be against monopolies is fine with mergers and takeovers in most cases.

Because, you know, the company said it totally wouldn't use consumers' lack of options to increase prices.

#canada #so much of our infrastructure and critical construction such as housing #has been pawned off for decades to private companies #and i forgot to mention one (1) family owns the bridge that is a major international corridor between canada and the us #which is apparently fine even though they fought tooth and nail to stop a bridge they don't own from being built #like our housing crisis can be traced back to the government deciding to stop building public housing in the 90s #because they figured private developers would pick up the slack #affordable apartments don't bring in much money so we got decades of cheap-ass 'luxury condos' instead #and once airbnb became a thing we got entire buildings with units <300sqft #and of course when the party in charge rotates between conservatives and neolibs nothing changes and that can gets kicked down the road #and keeps getting kicked until something collapses and they see the chance to fully privatize an industry #something similar is happening to our healthcare system too #it has been left to languish for years/decades with funding freezes and cuts #and private companies are quick to jump in and get the government stamp of approval to do [thing] that the public system clearly can't do #when [thing] would absolutely be possible if it was actually funded and/or staffed #so many communities were cut off when greyhound closed up shop because there's no government inter-city transportation #we lost internet/banking/cell service/etc nation-wide because one of the big three decided to push an update to live without redundancies #and it bugged and took the entire company's network down #even the government agency that demands major companies have a backup on a different network was taken down because they ignored that #and they got a deal if they kept their backup with rogers while their main network was also rogers #so they couldn't even make an emergency statement or anything about it #half my province also lost all digital infrastructure because it's a private company and making a redundancy line would mean smaller bonuse #it's just so bad #joke all you want about how canada is nice and friendly #but you are wrong and it's hell if you actually live here #the only reason canada is seen as nice is because it's hard to not seem like the better option when the us is your neighbour #and because of decades of pr work to make canada seem friendly and nice and not at all problematic #in some countries you actually have to try to hide you're canadian because of how much we colonize and the damage we do to other countries #yes these tags have derailed from the post but ugh #i take major issue with people who insist canada is nice and has never done anything wrong

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lostlegendaerie · 11 months

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Fuck it! US Private Student Loans Guide!

DISCLAIMER: while I have worked in private loans specifically for five+ years, this isn't ‘financial’ advice and is just a heavily summarized guide on how to navigate them. Yes, these loans suck, but complain to your legislators not me. I’m just trying to help you know what you’re doing. Additional info for each section is under the cut!

1) Who are you and who are all the companies constantly running around with my money?

I work in loan SERVICING, which is basically the billing department. If you’ve got a new company asking you for money, it's probably a new servicer and your debt is still owned by the bank. We enforce the terms in the promissory note, the document you sign telling the bank “yeah I'll play by your rules if you give me the money.” If your loan defaults, you’ll get contacted by a third (fourth?) party, but how that works is beyond my wheelhouse. The bank or your servicer should be able to confirm what happens in case of default.

2) What am I looking for in a ‘good’ loan?

Generally, you’re going to want SIMPLE instead of compound interest, a FIXED RATE opposed to a variable one, and you’ll want to go for FULL DEFERMENT while in school and make manual payments when you can. Also ask up front about stuff like if disability forgiveness or co-signer release (getting your parents off it) is offered.

3) This loan sucks! How do I make it better?

Student loans are NOTORIOUSLY hard to get out of, unfortunately. If the interest rate/payment relief options suck, you can try to REFINANCE where you take out a new loan to pay off the old one. This gives you a new promissory note, interest rate, and terms/conditions. If you’re trying to erase the debt entirely, ask for the promissory note (if they can't provide a copy, we have to forgive the debt. I've only seen this happen ONCE.) or try to go through social security disability.

DO NOT USE FREEDOM DEBT RELIEF OR OTHER SERVICES. DO NOT. THEY ARE SCAMS.

More in depth information for each point!

1) Lenders and Servicers

The lender is the person who provides the funds in the debt - the bank who pays the school or the hospital or the home contractor fixing your sink. The servicer is the company that is your point of contact when you need to make payments, ask for payment relief, or otherwise manage the loan that exists. Think of us as the mechanic (we keep the car running) where the bank is the manufacturer (they make the car). Some different servicers are SoFi, Zuntafi, Great Lakes, Nelnet and Firstmark Services; their names will be on the billing statements. Some different banks are Citizens, US Bank, NorthStar; their names will be on the promissory note and the disclosures.

Sometimes banks do sell the debt, however! A couple years ago Wells Fargo sold an enormous chunk of their loans off somewhere (an investment group, maybe?) but! The promissory note will still be the EXACT same if your debt gets sold. You’ll only get a new promissory note if you refinance the loan yourself.

2a) Interest Accrual and Rates

Interest is how banks profit off the loans they give out and/or ‘ensure they don't end up with a loss if the loan defaults’. (It's profit.) Most, but not all, loans calculate interest with the simple daily interest formula, shown below:

[(Current loan balance) x (interest rate)] divided by 365

If your loan’s balance is $10,000 and your interest rate is 6% you’ll be charged $1.64 each day. SIMPLE INTEREST means that this interest just kind of floats around on the account until a payment comes in and pays it off, where COMPOUND adds that interest to the balance at the end of the month/day/whatever. Compound charges you more over the life of the loan.

FIXED INTEREST is a set percent that doesn't change, where VARIABLE will change usually based on whatever the economy is doing. There’s a minimum and maximum value to the variable interest rates, so if you’re doing a variable ASK WHAT THE MINS AND MAXES ARE. A fixed rate might be 8% and a variable might be 3.25% the day you take it out, but that variable could have a maximum interest rate of 25% so be VERY, VERY CAREFUL. If you get stuck in a real bad variable interest rate, your best solution is probably a refinance.

2b) Deferment and Payment Allocation

So interest is gonna be accruing on your loan from the day the money leaves the bank. Sucks. And you may not be able to make payments while you're in school, so opting to DEFER your payments will stop them from billing you so you can skip a month or whatever without penalty. At the END of that deferment, though, whatever interest that accrued will be added to your current balance. If we use the example from above (10k loan with 1.64 daily interest) four years of school will add $2,400 to your balance and then your daily interest will jump up to $2.03 a day.

Solution? Make payments of what you can while you’re in school to chip away at that floating interest. Usually when you make a payment, it’s gonna go towards the interest first and then the rest drops the balance. (E.g. if you make a $20.00 payment ten days after your loan is disbursed, $16.40 will go towards interest and $3.60 towards your 10k balance). There is NO PENALTY for making extra payments or making early payments, but it might make your bills look a little weird if you’re being billed each month for just the interest.

3) Why are these loans so horrible? Can’t I find anything to help me?

Blame Reagan and the republicans who enabled him.

No, but really. The problem with these loans is that those promissory notes are VERY legally binding and have lots of fine print in there designed to make it as hard as possible for someone to skimp out on their debt without having their credit score decimated. Some lenders might even dip into your paychecks if you're crazy behind or default; again, that's not my wheelhouse and I've only maybe seen that once. Your best bet is just to pay it off as fast as possible (again, no penalty for paying the loan off early) or refinance into better terms.

And I get it. I really do. I hate how we’ve made so many incredibly important things in our society locked behind a paywall that charges poor people more to climb than the rich. But if you’ve made it this far, please don't turn your anger at me for not giving you the answers you want. The best I can do is vote for people who are willing to crack down on predatory lending, keep fighting for student loan forgiveness… and at my own job, make sure that my coworkers aren't making mistakes.

If you have a more specific question, I can try to answer as best I can without breaking any information privacy laws. And take care, okay? You are never fighting alone.

#private loans #student loans #school loans #loan forgiveness #long post #credit score #credit services #debt relief #debt consolidation #I spent like two weeks off and on with this PLEASE REBLOG but also PLEASE BE NICE

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lokisasylum · 5 months

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So apparently Jimin received the medal of 1rst Place among all trainees when he went up to take the Oath during the graduation ceremony. We're so proud of you, Soldier 60.

In addition, he also received a reward of a night off and the recruit would need to return at 6:30 p.m.

Jimin's letter to us was uploaded at 6:49 pm on weverse, meaning that he spent his time off well, returned diligently, sat down to write the letter & uploaded it.

Our Humble King.

#Soldier 60 #Private Park Jimin #jimin #park jimin #bts jimin #bts #pjm #jiminie #bangtan #bts enlistment #bts military service #pjms #WE'RE PROUD OF YOU JIMIN

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greyias · 2 years

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🐦 Afternoon Update: Idiot Unplugs Things

How foolish of me, to think that the frenetic pace of things would somehow slow down. If you haven’t already backed up your account/data at Twitter. Um. You should. If that is indeed still functioning behind the scenes.

Because like, apparently the moment I hit post this morning, our local genius who wants to start a colony on Mars, who knows all things in the universe, does what any smart person would do, made this announcement.

Just randomly turning off shit. Because really, what does any of this stuff do anyway? People were just writing lines of codes and services to waste time and money. And of course, as a born genius who has all of the world’s knowledge constantly uploaded into his head at all times, knows how things work:

So anyway, enough about breaking things on the biggest mobile platform in the world, what does all those stupid services that Twitter doesn’t even NEED to work do?

Oh. Oh.

Well fuck it. It’s just privacy settings. Those aren’t CORE FUNCTIONALITY baby.

I mean. Technically you can still tweet right. It’s not like you need any of those services to actually get into your account to tweet—

In summary: IT’S GOING GREAT.

#twitterpocalypse #anyone actually still employed at this place #that worked there pre-musk #deserves to have drinks bought for them today #I’M SO GLAD GOVERNMENT AGENCIES DON’T USE THIS SERVICE OR ANYTHING #the thing about the private tweets showing up in public was called into question #but the more i looked into it it actually does seem genuine #the lights are technically still on over there #so it’s not dead YET

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fisheito · 5 months

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thinking about how nu world dante seems.... chiller than original dante. like yes he's still annoyed by blade and rei but he's not going Fur Standing on Ends Defensive prickle mode. he's more like... hey guys. can you maybe, stop. now. that would be great. and i'm gonna pretend it's partially because dante's parents are still alive in this timeline and he's had more supportive family around him for a longer time and he doesn't have to carry the weight of an entire crumbling kingdom on his budding dorito shoulders and he feels more secure and hfgrfsekejdfkrse

#maybe i'm hallucinating his calmness. does he seem less angry? am i engaging in wishful thinking?#he's a rich prince!! and his parents are still around to tuck him into bed!!!!! he's a baby!! LET HIM BE A BABY #no ethically difficult decisions made on behalf of your kingdom's success. no developing alcohol dependence to cope with nonstop pressures #he has hired a funky robot assassin to kidnap the Hot Demon King #so they can have a private interview in his palace's Refreshments Lounge #and dante can throw money at him because he's Hot and requires his Services #journey to a nu world #nu carnival dante

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asalescommunity · 11 months

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A twitter company can be accused of a theft, and a fraud on a massive scale because doesn`t provide a return on an investment based on an advertisement.

Due to a fact an education is a basis of all qualifications, an engineer and a programmer can be accused that programmed features to do the theft and the fraud based on an organized crime instead of providing a service with a guarantee for consumers.

In a city and in a country where is a local Council all consumers who can prove that had ordered the service such as an advertisement from a company twitter can get all their monies back because the advertisement was incorrect, and invalid. And the company twitter failed to provide the service such as the advertisement in a correct manner for the consumers.

According to an economy, a complaint is a consumer`s right based on a law.

An act against the law is the act of a crime.

An author Piotr Sienkiewicz

+48 721 951 799

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betadunsparce · 9 months

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How come when I order yugioh cards from Slovenia (other side of europe) it takes 3 days for them to arrive but when I order cards from Belgium (adjacent country) it takes 3 weeks to arrive and sometimes they just never get here

#the answer is of course #slovenia has a state run postal service #and belgium doesnt #imagine how great things like food and housing industry would be if they were state run #oh well time to take the private trains to work

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sirenofthegreenbanks · 7 months

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deeply enjoy that the novel can also be read as a commentary on the fallacy of information. we have zzs as the main narrator who adds to this nuance by being a former spymaster and leader of a bunch of proficient investigators. hes very intimate with the process of verification of information, and even his vast databank of knowledge and his abilities of filtering and sorting the "true" from the "fake" is tested throughout the novel through many instances and events. its especially interesting because he makes a major mistake, almost from the very start, that he resolves only after a very long time, and only after overcoming personal weaknesses. his personal weakness at recognizing truth vs decept reveals itself in the inability to meet personal events with a human perspective; he is basically functioning like a person with two lives, and most of the time, he at least acts as if he is regarding wkx, suspected master of ghosts, from the professional business grounds of the retired leader of shadows rather than from the perspective of a person with an adventurous life and wishes of his own. in this lies the danger to misinterpret and to refuse to confront what is truly going on. if zzs cant 'find' the "true reason" for the ghost master following his humble retired self, he is going to do his utmost to make up one (on the basis of his personal and professional experience with such situations), instead of considering at least once the admittedly unlikely chance that wkx might like him and is even deeply sincere about him. this doesnt signal anything less but that we, as the reader, should not irrevocably trust even the one person who is in most stories the most trustworthy; the main narrator. instead, we are advised to reserve us the right to doubt and think for ourself, to look critically upon even zzs, which only circles back to the novel's theme of the fallacy of information. it even lends to the novel's dialogue with the human right to form your own opinion and your own thoughts and come to your own conclusions, no matter how much they might diverge from norm or mainstream or traditions, and no matter how tempting it might be not to.

#tian ya ke #just thoughts im having while im continuing my reread #zhou zishu from tyk #zhou zishu #this has me wondering if zzs's struggle with himself regarding trusting in wkx's display of sincerity #can also be read as his general struggle with being a person with a life of his own and private opinions in service of no other than himsel #one of the things he learns is that is okay to have desires and its okay to Be a person #oftentimes that reveals itself in the novel's question of morality as a concept and the conditions for receiving love and care #'are villains and ppl whove done bad stuff deserving of love and care? do they need to earn it?'#but i think it also comes true here where zzs essentially needs to find a way to be human again #going from having lived a life with a truly atrocious work/life balance to a life that is fully and entirely his own #(i always think that zzs taking the nails has a lot to do with reclaiming ownership)#(and also with 'detoolifying' himself; hes turning himself into a cripple he is 'useless'. this gives him the justification #he needs to live according to his own personal whims and desires.)#updating my tags to find my insane chat with geneticcatalyst again->#bouncing thoughts back and forth #the mutual tag #geneticcatalyst

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dontmeantobepoliticalbut · 3 months

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The nation’s millionaires and billionaires are evading more than $150 billion a year in taxes, adding to growing government deficits and creating a “lack of fairness” in the tax system, according to the head of the Internal Revenue Service.

The IRS, with billions of dollars in new funding from Congress, has launched a sweeping crackdown on wealthy individuals, partnerships and large companies. In an exclusive interview with CNBC, IRS Commissioner Danny Werfel said the agency has launched several programs targeting taxpayers with the most complex returns to root out tax evasion and make sure every taxpayer contributes their fair share.

Werfel said that a lack of funding at the IRS for years starved the agency of staff, technology and resources needed to fund audits — especially of the most complicated and sophisticated returns, which require more resources. Audits of taxpayers making more than $1 million a year fell by more than 80% over the last decade, while the number of taxpayers with income of $1 million jumped 50%, according to IRS statistics.

“When I look at what we call our tax gap, which is the amount of money owed versus what is paid for, millionaires and billionaires that either don’t file or [are] underreporting their income, that’s $150 billion of our tax gap,” Werfel said. “There is plenty of work to be done.”

“For complex filings, it became increasingly difficult for us to determine what the balance due was,” he said. “So to ensure fairness, we have to make investments to make sure that whether you’re a complicated filer who can afford to hire an army of lawyers and accountants, or a more simple filer who has one income and takes the standard deduction, the IRS is equally able to determine what’s owed. And to us, that’s a fairer system.”

Some Republicans in Congress have ramped up their criticism of the IRS and its expanded enforcement efforts. They say the wave of new audits will burden small businesses with unnecessary bureaucracy and years of fruitless investigations and won’t raise the promised revenue.

The Inflation Reduction Act gave the IRS an $80 billion infusion, yet congressional Republicans won a deal last year to take $20 billion of the funding back. Now they’re pressing for further cuts.

The Treasury Department said last week it estimates greater IRS enforcement will result in an additional $561 billion in tax revenue between 2024 and 2034 — a higher projection than it had initially stated. The IRS says that for every extra dollar spent on enforcement, the agency raises about $6 in revenue.

The IRS is touting its early success with a program to collect unpaid taxes from millionaires. The agency identified 1,600 millionaire taxpayers who have failed to pay at least $250,000 each in assessed taxes. So far, the IRS has collected more than $480 million from the group “and we are still going,” Werfel said.

On Wednesday, the agency announced a program to audit owners of private jets, who may be using their planes for personal travel and not accounting for their trips or taxes properly. Werfel said the agency has started using public databases of private-jet flights and analytics tools to better identify tax returns with the highest likelihood of evasion. It is launching dozens of audits on companies and partnerships that own jets, which could then lead to audits of wealthy individuals.

Werfel said that for some companies and owners, the tax deduction from corporate jets can amount to “tens of millions of dollars.”

Another area that is potentially rife with evasion is limited partnerships, Werfel said, adding that many wealthy individuals have been shifting their income to the business entities to avoid income taxes.

“What we started to see was that certain taxpayers were claiming limited partnerships when it wasn’t fair,” he said. “They were basically shielding their income under the guise of a limited partnership.”

The IRS has launched the Large Partnership Compliance program, examining some of the largest and most complicated partnership returns. Werfel said the IRS has already opened examinations of 76 partnerships — including hedge funds, real estate investment partnerships and large law firms.

Werfel said the agency is using artificial intelligence as part of the program and others to better identify returns most likely to contain evasion or errors. Not only does AI help find evasion, it also helps avoid audits of taxpayers who are following the rules.

“Imagine all the audits are laid out before us on a table,” he said. “What AI does is it allows us to put on night vision goggles. What those night vision goggles allow us to do is be more precise in figuring out where the high risk [of evasion] is and where the low risk is, and that benefits everyone.”

Correction: The IRS has collected $480 million from a group of millionaire taxpayers who had failed to pay. An earlier version misstated the amount collected.