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Joined 1 year ago
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Cake day: June 14th, 2023

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  • The best part of the article (if you can call it that) is that it gives you potential information

    “Regulation Z, which is part of the Truth in Lending Act,” Kelly said. “It requires that monthly statements be sent if there is interest assessed on a mortgage.”

    So if they did not send monthly statements, it throws the homeowner a potential lifeline.

    By violating Regulation Z, Kelly says, “they then open themselves up to serious legal consequences and provide consumers the leverage they need to stay in their homes.”

    This is just one strategy, but Kelly has been using this approach to help homeowners in dozens of cases. She just resolved a class action case where she was able to get the names of nearly 300 homeowners from one company and help them all.






  • But is the Internet dying? The thing it doesn’t say is if the human participation is dwindling.

    To keep it simple, I’ll work with small numbers. Imagine there are 10 humans online. Now imagine 1 bot on online. Bots are 9% (1 in 11) of this imaginary online community. A year later, those same 10 humans are still online, but there are now 10 bots online; the bots are 50% of the community. This statistic can lead you to think there is less human participation when nothing happened to the humans. The difference is the raw number of bots. This is what I believe is happening, about the same number of humans, just an increasing number of bots, scraping, posting, etc.

    X/Twitter is dying because of mismanagement.















  • Since they are treating them as others (foreigners/strangers), Israel is messing up, even from a religious view:

    Leviticus 19 (KJV) 33 And if a stranger sojourn with thee in your land, ye shall not vex him. 34 But the stranger that dwelleth with you shall be unto you as one born among you, and thou shalt love him as thyself; for ye were strangers in the land of Egypt: I am the LORD your God.

    Or if you prefer NIV 33 "'When a foreigner resides among you in your land, do not mistreat them. 34 The foreigner residing among you must be treated as your native-born. Love them as yourself, for you were foreigners in Egypt. I am the LORD your God.