Retailer who offers one of those 0% financing schemes, here. TL;DR: It’s from processing fees paid by the retailer and punitive interest after the 0% promotional period lapses.

The lender makes money in two ways. One, a percentage fee is charged on the financed amount, but it’s not paid by the customer. It’s paid by the retailer. For us it is a little under 2%, similar to the fees most credit card processors charge. So as soon as you make your purchase, the bank instantly skims 1-point-whatever percent off the top. You don’t see this, though. It affects the retailer’s bottom line, not yours.

Two, the 0% interest rate is a promotion which provides specified limited time in which to pay off the balance. If you do not pay the outstanding balance in full by the end of the promotional term, the bank whacks you for a monstrous interest rate on the entire original transaction amount – not just the remaining outstanding balance. In our case this is damn near 30%. Look carefully at the promotional signage and literature. It will always say “0% INTEREST FINANCING!!! _{for 12 months.}” That 12 months is important. That’s the end of the promotional terms, after which you pay aforementioned buttload of interest.

And then, the minimum payments on the bills they send you are obviously deliberately structured to trick you into failing to pay the entirety of the balance by the deadline at the end of the promotional period.

If you’re talking 0% introductory rates for general purpose credit cards, the answer is right there in the name. Those are introductory rates designed to entice you into signing up and using the card, but they’re never permanent. Eventually that introductory rate will expire and you will be left with an interest bearing credit card. Possibly a lot of interest. Even if you pay your bill 100% on time every month without fail, the bank still makes money in percentages and processing fees taken on every transaction from every single retailer where you’ve swiped that card. The bank issuing the credit card can continue to comfortably make money even if no one pays any interest, ever.

Your yearly reminder that the original Paddington Bear stuffed toy was designed and made by Shirley Clarkson and given to her son: Jeremy Clarkson.

Yes, that Jeremy Clarkson. You know, the “Speed and Power!” guy.

(Although this was not the origin of the character himself. Michael Bond bought a generic toy bear from a toy shop and named it after nearby Paddington station. He wrote some stories using the bear as a character, and then they got published, and then he probably got very rich.)

All it did to you was cosmetic.

Windows 10’s “feature” updates consistently also re-enable the “fast startup” option on my machine when they install. Which, on my particular motherboard and SSD combination, causes Windows to take about 30 minutes to boot when left enabled for reasons I have never been able to comprehend. A regular cold boot only takes like 20 seconds, so… I definitely tend to notice when it does this behind my back yet again.

That, and I think they trace a direct lineage back to the original Harvey Ross Ball smiley face, which was also yellow.

Me, I don’t particularly care about matching emoji skintones to myself. Rather, I’m much more annoyed that I can’t tune the 🏍️ emoji to match the color of my motorcycle. What a rip off.

The cojones on this dude.

I have one of each…

This smells a bit like the old Fuck Everything, We’re Doing Five Blades.

There’s no service provided.

And furthermore, takeout workers are not defined as a tipped position legally and therefore their employer should be paying them an actual wage, not “waiter’s wage,” which is federally $2.13/hr. (“Should” and “is” obviously not always being the same thing.)

I am always wary of touch screens and other gizmoes popping up everywhere begging for tips in non-tipped counter situations. It is possible, indeed likely, that the tips are not going to the employees anyway and are just being pocketed by the management.

Even if such a scheme were implemented, there is a zero percent chance the proceeds would go to the manufacturers. It’d be some manner of government enacted tax, and go straight into the coffers to buy the cops more tanks, bullets, machine guns, APC’s, and doughnuts.

Cops are minutes away when seconds count!

About 45 minutes to 2 hours, where I am. If they can be bothered to show up at all.

Curiously, they seem to have plenty of time on their hands to hassle out of state motorists for doing 66 in a 65 on the interstate. Oh, and there is always a county cop posted at the local Home Depot from open to close. And two state boys parked at the local Wal Mart.

And that’s before you get into front-suffers. A muzzleloader can fire any damn fool thing you can fit down the bore, even if it’s made of inexpertly melted wheel weights, and manufacturing black powder (or a roughly equivalent propellant) is well within reach for anyone with a couple of brain cells.

I used to have a Focus ZX-5 in screaming yellow Zonkers. I have never before or since been hassled by the cops so often in my life.

Not mine, but just like it.

The Subaru I drive now is bedlinered. So is my truck. The Scoob is thankfully apparently invisible to cops. I have two green motorcycles, though.

Grab an airbrush and have at it.

Don’t forget the wolves, wizards, and eagles while you’re at it.

This is not just an online thing. I’ll do you one better.

My job involves, unfortunately, sometimes dealing with people. As much as I’d like to stay in my IT dungeon and remain undisturbed all day, I sometimes do have to emerge into the sunlight and interact with business clients.

Different people’s brains are wired in different ways, not necessarily the same as yours. Based on my totally unscientific observation, it feels like roughly 1 in 5 people cannot comprehend hypotheticals at all. You can’t ask them “picture this, but instead like this” because their brains literally can’t form that image. If it is not an object or situation that is either in front of them, can be shown to them (on a screen, on a document, or whatever), or is one they have had personal and very specific past experience with, it’s lost on them. Even if the hypothetical you’re describing is barely any different from something you’re physically showing them right now, except some trivial detail, they can’t wrap their heads around it. You can break it down, you can explain it step-by-step until you’re blue in the face. It doesn’t work. As soon as you get to the last element, the hypothetical one, they tune out instantly.

And in my further experience around half of people in this camp will become confused and they’ll handle that by getting angry at you.

I’m not a brainologist so I don’t know why this is, or if there’s a clinical name or mechanism behind it, or if it’s abnormal and my industry just attracts devastatingly uncreative and stupid people. So in absence of any other information I’m just blaming lead paint and Boomerism.

And as case in point, some dickhole already felt the need to apply one downvote to your very factual comment.

Attempting to have no authority may be the “point,” but here in reality that doesn’t actually work as long as humans remain what they are. It can only function so long as everyone involved cooperates to the very letter of the classless-moneyless-stateless social agreement and there is no outside disruption from anywhere else that doesn’t subscribe to the ideal. The moment someone figures out they can cheat to get more than others, it falls apart.

And what they want more of does not necessarily have to be money. It could be land, or crops, or coconuts, or a bigger hut, or more sexual partners, or shinier rocks, or internet post likes, or more prestige, or whatever.

One of two things then happen: They succeed, and become the authority. Or an authority has to be formed by some type of agreement by everyone else to stop them. This also inevitably begets violence.

You can try as hard as you like to evade this, but unless you lobotomize literally everyone or have magic mind control powers or something (which would require you to be… the authority) it is guaranteed that you will fail. Maybe not immediately, but the larger in scale your little social experiment gets the sooner it will happen. You can get 5 or 10 or maybe even 100 people to perfectly agree with each other and play along. If you’re lucky, you might even make it last for more than one generation. Don’t even try to argue that you could do it with a million people. Or ten million. Or 332 million (the population of the United States). Ceaseless cooperation in numbers beyond those of our immediate tribe- or family-sphere is not a trait that is found in humans.

The core belief of sovereign citizens – initially, anyway – is the notion that since government exists at the consent of the governed they can “opt out” of being subject to the laws of wherever they are.

This has a tiny grain of legitimate logic to it, in that not a single person on Earth is given a choice of society and/or country to be born into. Governments attempt to exert absolute authority over everyone within their spheres of influence regardless of what those people may happen to think of the matter, and the feasibility of them physically leaving said society/country notwithstanding. All laws are just words on paper, after all, and from a certain perspective completely artificial, arbitrary, and transient.

Where it all breaks down is that these people typically arrive at the above conclusion by being absolutely stark raving loony, and typically want to have their cake and eat it, too – they don’t want to be subject to obeying laws, or paying taxes, or having to register their vehicles and get driver’s licenses, pay child support, etc., but they still somehow feel entitled to the use of public infrastructure like roads and bridges, police and fire services, municipal water and sewer use, and so forth. In modern times a simple “no gubmint can tell me what to do and I’m answerable only to myself” outlook has mutated into this arcane and nebulous pseudo-religious willful misinterpretation on the wording of laws, what is and is not printed CAPITALIZED on various government documents, and fixation on “contract law,” treating every interaction between everyone and every thing as a “transaction” which the sovereign citizen believes is inherently negotiable (always in their favor, of course).

This is furthered by shucksters who sell books and seminars to idiots the types of people who have the right type of chip on their shoulders, which purportedly contain the secret knowledge and legal incantations to make all this work but are, of course, just bullshit. Usually people who entangle themselves in SovCit bullshit are trying to weasel out of of some particular financial obligation. Not wanting to pay child support seems to be a very popular one, as are taxes in general, fines, loans, and liens.

The whole thing is just fascinatingly whacked the more you look into it. Here’s the RationalWiki article on it, for instance:

https://rationalwiki.org/wiki/Sovereign_citizen

The problem with that and most other proposals for whatever other moneyless utopian society is that they all implicitly require some manner of all-powerful central authority to ensure that the rewards get distributed, the labor gets allocated, and the rules stay followed.

And we already know how well that’s going to turn out.

You can get charged thousands just for showing up an an ER, seeing no one but the receptionist, receiving no treatment whatsoever, and leaving in exasperation after a multiple hour wait without any sign of anyone having any intention of administering to you in the slightest. I’ve seen it happen personally. America!

This is the part that drives me bats. For any other service in any other industry you can get a quote first, but for some fucked up reason healthcare in America doesn’t work that way. The hospitals and insurance companies just do whatever the fuck they want, and you get to find out afterwards if you could have afforded it, i.e. after it’s too late. It’s such bullshit.