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.

The other thing is, both towers were plane impact resistant. Both of them took dead square hits from airliners and remained resolutely standing afterwards. What it turned out they were not proof against was an ongoing raging inferno inside that was hot enough and carried on long enough to weaken their critical structural elements.

If the planes had not been laden with fuel and/or if it had not ignited for whatever reason, the towers probably would not have collapsed. They probably wouldn’t have been readily repairable, though, so then the question would be what to do with two massive skyscrapers with giant holes in the middle of them. They’d probably have to be demolished eventually anyway. Said demolition would have killed far fewer people.

Agreed. And Kefka was way cooler anyway.

(I firmly believe most people gush over FF7 so much only because it was their first exposure to a mainstream console RPG in non-Japanese circles. FF7 as a whole was a fairly meh entry into the series anyway, if you ask me.)

Not only did Kefka have real style, twisted though it may be, he also for all intents and purposes actually managed to win. He fractured the world, scattered the heroes, built his goddamned tower, and was lording it all over everybody with a penthouse view. He didn’t have angst; he was just nuts. It was frankly a complete fluke that he got the shit whacked out of him by a little girl with a paintbrush, a 8x per round attacking Moogle with Genji gloves, a senior citizen, and a mime.

The Doctor.

We get it. You wish a dashing eccentric gentleman with an English accent will appear out of the blue and whisk you away from your situation to a life of adventure. But it’s not going to happen, sweetheart.

It doesn’t help that Doctor Who has always been crap sci-fi, but gets a free ride due to having such a long history stretching back to before anyone knew any better. The series as a whole is one of those I find also dragged down by a subsection of rabid insufferable fans, at least the modern incarnations, right up there with Rick and Morty and Supernatural. (I see I already kicked the beehive.)

“Homeopathic” does not mean organic, or good for you, natural, wholesome, effective, or inherently safe to consume.

It is, in fact, a code word for no active ingredient.

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.)

This means that we may face a situation where hobbyists, small businesses, and aerial photographers who make a living with drones can suddenly no longer fly them, but cops will.

That was always the goal.

China (and probably Russia still) have satellites that can read the headlines on your newspaper from orbit. The notion that they’d need or use noisy, unreliable, and easily noticed commercial hobbyist drones for this purpose is laughably absurd. Even if they are planning on secretly snooping on the feeds of privately owned fliers, which is probably not actually feasible at scale anyway. How is the data supposed to be transmitted back to China? Magic? Through the cloud via the user’s cell phone data, with no one noticing? Gigabytes and gigabytes of it per flight? I’m not buying it.

The real reason the US government is so scared of drones is because it will allow the citizenry (i.e., us) to document abuses and authoritarianism in a manner that’s pretty tough to stop with the usual billy clubs/guns/tear gas/water cannons method. Think BLM, Occupy, future climate protests, and all of those sorts of things. Unchecked aerial photography and video that contradicts the Official Narrative from whatever today’s incident happens to be making it out to the internet and going viral would be highly inconvenient, wouldn’t it? Someone can be capturing video of the police shooting protestors or whatever and easily be half a mile away from where the drone itself is located.

It speaks volumes about the pathology and mindset of American legislators and law enforcement that they inherently see drones as a “spy” technology. That’s because this is exactly what they plan to use them for, and are terrified that someone else might do the same thing to them.

Well, tough fucking titty.

And even the KJV edits did not manage to paper over the fact that there are in fact 18 if you count Sky Daddy’s recitation/rant in Exodus after the whole golden calf incident.

You Won’t Believe This Guy’s Crazy Knife Collection!

He probably could, but he can’t buy a gun to put on it so what he’s got is a funny shaped ineffective club.

I ain’t bringing logic into it, I’m just pointing out how the law has been interpreted.

Attaching things to guns that enable fully automatic fire as it is defined by the law, i.e. more than one shot per activation of the trigger, do count, though. This includes things such as full auto sear or those fucking “Glock switches” that are so popular these days.

With a crank trigger you have to keep cranking it to keep firing, like an old wild west Gatling gun. You can’t just hold it down and the gun dumps the magazine on its own. A bump stock aids the user in rapidly pressing the trigger over and over again. You can bump fire a rifle even without a bump stock if you are sufficiently practiced or skilled.

Yes. Already exists, too:

https://www.tacticalinc.com/catalog/product/id-1247

The problem now is that in the modern global age we have plenty of enemies who have massive standing armies. China and Russia leap to mind. That sort of thing may have worked when America was physically isolated from outside forces by a several months long boat ride. Not the case anymore.

Abolishing everybody’s massive standing armies would be a pretty good idea, but I don’t foresee that happening any time soon.

mechanically activating a trigger rapidly with a motor activated with a single button press would be legal.

I believe it is. So are crank triggers, which clamp on to your trigger guard and click the trigger for you 2/3/4 times per revolution.

The comment was in this context:

https://thehill.com/homenews/administration/376097-trump-take-the-guns-first-go-through-due-process-second/

Diaper Don, the “Take away their guns and worry about the due process later” guy? That Donald Trump, right?

Are we going to tackle the dumbass pistol brace fiasco next?

It would be elementary to make bump stocks illegal, because bump stocks are not firearms. Making bump stocks illegal wouldn’t cross the Second Amendment.

Correct. The issue was that the ATF tried to do an end-run around the legal process. Somebody in there did not watch that Schoolhouse Rock song about how bills become law… All that has to happen (federally, anyway) is that Congress must pass a law prohibiting them and the president has to sign it. But that’s not what happened. The ATF – under Trump’s direction, mind you – tried unilaterally to redefine an item that is not a firearm as a regulated firearm. What is and is not a firearm (and what is and is not a “machine gun” also) is already codified into law.

You can argue for or against unelected agencies having the ability to create new regulations with the force of law behind them without involving the usual system of checks-and-balances, but specifically in the case of the ATF they have repeatedly demonstrated that they are not able to use such a privilege in good faith. They would be (and are) exceedingly likely to use it as a cudgel to play these “legal yesterday, felony today” types of games with people so give themselves excuses to kick in doors and shoot people’s dogs.

Various state laws already prohibit bump stocks. My state is one of them.

Do it. Do it and use them to troll the fuck out of all the MAGA-hat snowflakes who aren’t up on their news.

Oh, and be sure to post their inevitable unhinged responses everywhere for yuks as well.

traffic stop

Never break more than one law at a time…