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Joined 1 year ago
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Cake day: September 30th, 2023

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  • Wish that was the case in AU, ours is paid upfront in a lump sum and is non-refundable. If you refinance above 80% you pay it again, in full, upfront. If you pay the loan down to below 80%, doesn’t matter, no prorata refund. It’s 20-30k down the toilet, just in LMI. That’s on top of the 50-80k in stamp duty also pissed away :(

    To make it worse, many add the LMI to their mortgage, so they pay interest on the higher balance. It’s also a deterrent for people to refinance while they’re within that 80+% LVR bracket, so shopping for a better deal is mostly pointless. Banks aren’t just disinterested in pushing for a better deal, they’re actively incentivised against it.


  • Regardless of your stance on the name change, doesn’t the executive order (and subsequent updating of the names register or whatever it’s called) make it official? In which case the maps are just being updated to reflect it.

    Afaik they’re not changing it anywhere outside the US as (so far…) that’s the only place it’s been changed, so it’s not like they’re pushing that name in places where it’s not official.

    It’s also not unheard of to have map details that vary depending on where you are, to align with the official stance of wherever the map is being viewed from. Ukraine, bits of the India/Pakistan border, IIRC some islands off Japan disputed by China, etc.

    Not saying the name change isn’t stupid and not suggesting at all that the companies in question aren’t scum, but getting angry at the map maintainers for this change seems pointless. What did you expect them to do?

    Am I missing something?




  • She makes some good points, but only focuses on Google’s monopoly being an issue. It is, but there’s no mention of privacy concerns, the oversaturation of ads, space being created for ads by deliberately worsening the UX, etc. The industry itself is a shitshow.

    The issue isn’t so much that Google has a monopoly on the enormously invasive data that’s collected. The issue is that it is being collected.
















  • You’re spot on, however the pervasiveness of this kind of data collection and analysis seems to have really picked up in recent years.

    In my workplace a similar tool was put in place to keep an eye out for potential fraud, sensitive data being shared, that kind of thing, but at least one exec very quickly started asking questions about “enhancing” it, laughingly suggesting it could help identify flight risks in areas they’re looking to cut headcount in, so they could “remove barriers to their exit” rather than having to pay severance. (To quote the great philosopher Nelly, “I’m just kidding like Jason… unless you’re gonna do it”)

    Don’t forget too that this is just monitoring chats, there are plenty of other sources of data that could be used against you if so desired.

    IMHO the issue isn’t so much that people are using work-controlled platforms to say things that workplace doesn’t like (though that is an issue), it’s more the shift in the employer mindset that tools like this enable, and the huge imbalance it can create when it comes to salary negotiations, constructive dismissal, mass layoffs, union busting, etc.