nivla

I find it interesting how this show up the day after I had to call the customer service to clarify an interest fee on my account that din't make sense. So here is what happened, I got hit with a $12.xx monthly interest on a $2000ish purchase which I made less than 30 days ago and hasn't shown up on my previous statement. For clarification, my current APR on the card is 5.99%.

It took me two reps and two accounts managers to learn how these things are calculated:

1) Interests are daily compounded.

2) Interests are not calculated on actual balance but on the average daily balance.

3) If you don't pay your statement balance in full by the end of the month, you lose your grace period for future purchases and interest would start accruing as soon as the transactions goes through. To reset this it would require you to make two full statement payments in a row.

4) If you purchase something and return it and the return takes a few days to process, you would still pay interest on for those days.

The rep and the first account manager that spoke to weirdly dint have the basic understanding of interest rates. She argued that the $12 interest was on the $2000 for 4 days at the rate of 5.99%. Funny enough, she still din't find anything odd when I pointed out that it would mean, by the end of the year, I would pay $1095 ie. > 50% of the principal in interest!

Anyways the second rep was knowledgeable enough to explain it.

I guess I wasn't clear. I dint claim Microsoft made them, just that it came exclusively with the Lumia phones. If I recall correctly, back then if you searched for it in the store using a non-lumia phone, you wouldn't even find it listed.

In this thread a lot of people don't understand the meaning of monopoly and assumes a monopoly is only synonymous with the companies they hate. It has more to do with having a dominant control over a market and abusing that dominant position to own advantage. Google has pulled a lot of stunts in the past that clearly defines this. Remember the only way to have pictures on your search listing was to link your blog/site with Google+? A result with an image next to it had better clicks that the one without. Next was the shopping fiasco: The shopping results that shows up on the top had barely anything to do with ranking, instead it was a set of sponsored listing that was paid for by companies. Hmm the blending out the background of the ads with the rest of the results is another story of its own.

Although my primary search engine is still Google (like the majority here), I still don't agree nor do I encourage the direction Google is taking with their search engine.

I rather no company patent them than any do-no-evil company. Besides why do you think they won't use/abuse it? The whole point of spending so much ridiculous amount of money on a patent is to get exclusive rights to be the only one to use it. Isn't competition better than stagnation by a single company?

>Honestly, say what you will about Google, but I can't imagine them ever threatening another software company with software patents.

That is a naive fanboy outlook towards a company. Its a well known fact that Google bought Motorola only for the patents. Google has also managed to use the patents to sue other companies including Microsoft. Although I still believe it is the game that is flawed and not the players. Google has also done things that could hold back the Windows Phone ecosystem. However, none of that should discount how much Google has contributed to betterment of the web just like Facebook or Microsoft. Open-Source is open source, the only thing that matters is license here and it is as liberal as it could get MIT.

Ya that I too agree with this, pretty much all applications can now deal with \n just fine. Having CR LF (2 Bytes) is not only wasting storage space but also wasting bandwidth when transmitting.

While at it, I also wish if Linux distros could get done with case sensitiveness in filenames. Is there any advantage to allowing both Filename.ext and filename.ext? The only time I seen this is when a malware is trying to stay hidden. Also some naming conventions would be nice, when you can have any character including '/' and '.' as a filename, it gets annoying to deal with them in a cli.

You are also paying for the Oculus hardware while having no recourse to privacy even if you wanted. I am not saying Windows 10 doesn't have privacy issues, but when compared to Facebook's approach, it is far better.