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Tell HN: I'm Afraid We're Shutting Down

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Re: Tell HN: I'm Afraid We're Shutting Down

#371

Post by tekknik »

withinboredom wrote: post #313
tekknik wrote: post #298

Earlier quoted context omitted.

After 7 years your credit history should be empty. So likely you couldn’t get loans for lack of credit history. There is also no such thing as a VA vehicle loan. Many of us went through this same thing in 2012.

It wasn’t empty, but apparently only having credit limits of less than a few thousand dollars when you are making over a hundred k a year is a red flag. Also, just because you don’t see the negative things in your credit report doesn’t mean it still doesn’t affect your score. The US credit system is all kinds of fucked up. I’m glad I don’t have to deal with it anymore.

> The US credit system is all kinds of fucked up. I’m glad I don’t have to deal with it anymore.

There is a law requiring the removal of debts over 7 years old. The only “report” that it would stay on is with an internal report with the specific bank.

Re: Tell HN: I'm Afraid We're Shutting Down

#372

Post by withinboredom »

tekknik wrote: post #371
withinboredom wrote: post #313

Earlier quoted context omitted.

It wasn’t empty, but apparently only having credit limits of less than a few thousand dollars when you are making over a hundred k a year is a red flag. Also, just because you don’t see the negative things in your credit report doesn’t mean it still doesn’t affect your score. The US credit system is all kinds of fucked up. I’m glad I don’t have to deal with it anymore.

> The US credit system is all kinds of fucked up. I’m glad I don’t have to deal with it anymore. There is a law requiring the removal of debts over 7 years old. The only “report” that it would stay on is with an internal report with the specific bank.

The missing caveat from my personal experience is that this was all years ago. Things are probably different these days, especially after the recession.

Re: Tell HN: I'm Afraid We're Shutting Down

#373

Post by themitigating »

tekknik wrote: post #299
themitigating wrote: post #218

Earlier quoted context omitted.

Does it matter? He served his time and/or paid a fine. If he didn't meet the random friend in HS it would be ridiculous hard to get a job.

No, but it’s still a curiosity. Why are you so defensive?

Why would you want information that has no value in the discussion?

Re: Tell HN: I'm Afraid We're Shutting Down

#374

Post by Jiro »

mellavora wrote: post #353
Jiro wrote: post #199

Earlier quoted context omitted.

I think you basically answered your own objection. Probably 90% of convicted criminals are really criminals, and that's why people are suspicious of hiring them. The point of this project wasn't "get convicts hired because 10% of them are innocent", it was "get convicts hired because even though 90% of them are guilty, that's okay." It's called "70 million" because that's the total number of convicts, not an estimate…

Not sure where that 90/10 ratio comes from... wondering what you know about how many cases are decided by plea bargain rather than trial, where the plea bargain is coerced rather than voluntary? wondering also what your opinion is of felony drug convictions (for possession)? Technically a crime, but can you name the harm? But more seriously wondering about your unwillingness to believe that people can change, and unw…

>Not sure where that 90/10 ratio comes from...

From the previous poster.

>wondering also what your opinion is of felony drug convictions (for possession)?

I'd be fine with a project to get people convicted of felony drug or other nonviolent, victimless, crimes hired, and run by someone with such a conviction. This was not that project.

>But more seriously wondering about your unwillingness to believe that people can change,

It's a matter of the odds. People who have committed genuine crimes are greater risks. They can change, but we don't know that they've changed.

>They are no longer a criminal, that debt is paid.

Being rationally distrusted as a risk is a consequence of their crime, not a form of punishment; it's not done because of a desire to inflict suffering on the criminal, but to avoid harm.

>How have you changed your life based on the hurts you have caused others?

I've gone my life without committing a large scale financial fraud or similar act which hurt others to that degree.

Re: Tell HN: I'm Afraid We're Shutting Down

#375

Post by Mandatum »

ratsforhorses wrote: post #288
ManuelKiessling wrote: post #148

Earlier quoted context omitted.

This might really be a stupid question and I can imagine you have other things to do right now, so zero hard feelings if you don’t answer: But regarding this whole Great Resignation thing, not only in this specific context but in general — there is one thing that I just don’t get: What on earth are these Resignators doing? Where do they go? I mean all those people have to end up SOMEWHERE in the job market, don’t the…

Maybe they just realized there's a bunch of expenses they don't need...or can streamline... I think and see how Covid gave a bunch of people time to focus on what they found was important... literally in my case I've found it's cheaper travelling in the winter to a "cheap" warmer country such as Egypt or South America or even New Zealand (Scoot does cheap no frill flights from Athens to Melbourne) living off odd jobs…

New Zealand? Cheap?

ahahahahaha

Re: Tell HN: I'm Afraid We're Shutting Down

#377

Post by tekknik »

withinboredom wrote: post #372
tekknik wrote: post #371

Earlier quoted context omitted.

> The US credit system is all kinds of fucked up. I’m glad I don’t have to deal with it anymore. There is a law requiring the removal of debts over 7 years old. The only “report” that it would stay on is with an internal report with the specific bank.

The missing caveat from my personal experience is that this was all years ago. Things are probably different these days, especially after the recession.

Things are not different these days, this information comes from my experience from 2012. The 7 years law has likely been in place since before you were born.

Re: Tell HN: I'm Afraid We're Shutting Down

#378

Post by einpoklum »

oliverx0 wrote: post #168
einpoklum wrote: post #157

> companies made wholesale terminations of nearly all our people The "employment at will" doctrine at work. Terrible. I would attribute that to the weak US labor, and its failure to do away with this via country-wide/industry-wide labor agreements make this impossible, or appropriate legislation. Many (most?) countries don't have this doctrine.

And they are nowhere near as liquid when it comes to employment as in the US. The trade off of not having employment at will is extremely slow hiring processes and a lot of difficulty when firing employees that do not perform well. All in all employment at Will is probably what makes Silicon Valley thrive. Otherwise nobody would dare to start a company.

> The trade off of not having employment at will is extremely slow hiring processes

Not true. Countries without employment-at-will don't generally have extremely slow hiring processes.

> a lot of difficulty when firing employees that do not perform well

Termination for cause - i.e. failure to perform one's duties well enough - is not difficult. The difficulty would be in firing employees without demonstrable cause.

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