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| 04:31.50 | ZorbaGama | huh, new VS. Neat. |
| 04:32.56 | Torhal | VS14. Nice codename. Especially when they're looking at a 2015 release. |
| 04:33.26 | ZorbaGama | yeah, doubly so when it will, version-wise, be vs13 |
| 04:33.27 | ZorbaGama | sigh |
| 04:33.45 | Torhal | lol |
| 04:34.03 | Imhothar_ | no one complained about win7 being version 6.1, so meh |
| 04:34.26 | Torhal | Oh, I know quite a number of people that "WTF" about that though. |
| 04:37.55 | Imhothar_ | hm I wonder in what circumstance that becomes so relevant |
| 04:39.09 | Imhothar_ | "I just paid money for a minor version number increment! Scoundrels!" |
| 04:44.31 | Noshei | the reasoning behind the whole 6.1 thing made sense though |
| 04:44.40 | Noshei | and still makes sense |
| 04:45.55 | Noshei | all them terrible programs out there hard coding the windows version number in their programs |
| 04:46.26 | Imhothar_ | who does that?! |
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| 04:47.17 | Noshei | well when vista was released, pretty mcuh everyone, or so it seemed. |
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| 23:14.04 | Noshei_ | just finished Mass Effect 3 |
| 23:14.17 | Noshei_ | that was interesting |
| 23:14.27 | Imhothar1 | that's still on my todo list |
| 23:14.36 | Imhothar1 | haven't picked up 3 yet |
| 23:15.10 | Noshei_ | have you played the first 2 or at least me2? |
| 23:15.17 | Imhothar1 | ya |
| 23:15.33 | Imhothar1 | both |
| 23:15.43 | Noshei_ | make sure you import the save, it has a pretty big impact on me3 |
| 23:15.53 | Imhothar1 | as expected |
| 23:16.08 | Imhothar1 | I hope I still have the save |
| 23:17.05 | Noshei_ | wonder what it will take to get my credit rating over 800 |
| 23:17.15 | Imhothar1 | credit rating? |
| 23:17.53 | Noshei_ | guess they dont have that in germany |
| 23:18.06 | Imhothar1 | you mean for bank loans? |
| 23:18.31 | Noshei_ | oh guess I should say credit score, not rating |
| 23:18.39 | Noshei_ | but yeah |
| 23:18.45 | Imhothar1 | still confused |
| 23:19.19 | Noshei_ | A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of that person. |
| 23:19.23 | Imhothar1 | never heard of a rating or score here. but I never took a bank loan so... |
| 23:19.58 | Noshei_ | http://en.wikipedia.org/wiki/Credit_score_(United_States) |
| 23:20.19 | Imhothar1 | and credit cards aren't so widespread here, most people use debit cards tied directly to their bank account |
| 23:20.45 | Noshei_ | well in the US credit score is actually used for a lot of stuff |
| 23:21.23 | Imhothar1 | we have "Schufa" which only holds a record of how many times you went to debt/negative etc and banks/landlords often ask for it |
| 23:21.36 | Imhothar1 | well "often" |
| 23:21.44 | Noshei_ | credit cards and loans (including mortgage), but can also be used in hiring process |
| 23:21.56 | Imhothar1 | seriously? |
| 23:22.07 | Noshei_ | yeah |
| 23:22.15 | Imhothar1 | so if someone has a bad score they don't get hired? |
| 23:22.27 | Noshei_ | though it is generally only used is specific sectors |
| 23:23.01 | Noshei_ | well it is more that a lot of companies dont want to hire someone with a lot of debt, because they are a higher risk to steal IP material. |
| 23:23.13 | Imhothar1 | well, Schufa is only really like blacklist of people who are known not to pay bills or get their bank accounts negatice |
| 23:23.30 | Imhothar1 | *negative |
| 23:24.58 | Noshei_ | it also has an impact on the interest rates of loans that you get |
| 23:25.15 | Noshei_ | generally you will get a much lower interest rate if you have a higher credit score |
| 23:26.42 | Imhothar1 | and the consumer protection laws forbid companies to send personal data to the Schufa company without your consent. although when singing up for a bank account you usually have to give this permission |
| 23:27.43 | Imhothar1 | so what does a score of 800 mean? |
| 23:29.07 | Noshei_ | it means you have really really really good credit |
| 23:29.22 | Imhothar1 | I wonder what the math behind it is |
| 23:29.38 | Noshei_ | im at 788 right now and that pute me at 2.90% of all americans |
| 23:31.31 | Noshei_ | if you look at that wiki i linked it actually explains on there what is used to calculate the score |
| 23:32.34 | Imhothar1 | I only remember a friend who moved to the US and had really big problems with credit history because he had none |
| 23:32.45 | Noshei_ | yeah |
| 23:33.18 | Noshei_ | that is pretty much why you have to get a credit card when you turn 18 in the US, to start establishing your credit history |
| 23:33.44 | Imhothar1 | which seems quite weird. in the logic used over here: if you have no history you're probably a trustworthy person as you never screwed anyone before |
| 23:36.11 | Noshei_ | yeah, which makes sens if all they really track is when you cause problems |
| 23:36.32 | Imhothar1 | plus, most people here do have a credit card but barely use it |
| 23:37.09 | Noshei_ | I pretty much only use my credit card to pay for things |
| 23:37.39 | Noshei_ | I get reward points for using it, so I can save them up and get a free flight somewhere or something |
| 23:37.47 | Imhothar1 | debit cards and direct debit is the norm in pretty much most of Europe, now with SEPA cross-country debit in the entire EU is no problem |
| 23:38.04 | Imhothar1 | well that's M&M and something different |
| 23:39.12 | Imhothar1 | what you really do is tell the aviation company all the stuff you're buying which I am totally sure is never sold to third parties |
| 23:39.32 | Noshei_ | nope |
| 23:39.53 | Noshei_ | not me at least, the card I use is through my bank |
| 23:40.02 | Imhothar1 | well ok |
| 23:40.58 | Imhothar1 | sometimes common practice in the US really amazes me… |
| 23:41.23 | Imhothar1 | sadly more often in a negative way than not |
| 23:41.39 | Noshei_ | yeah |
| 23:41.59 | Imhothar1 | same with the FCC thing going on right now |
| 23:42.01 | Noshei | a lot of people do have those cards from the airlines |
| 23:42.23 | Noshei | yeah no kidding |
| 23:43.34 | Imhothar1 | When Telekom here announced they would limit bandwidth of new contracts after a certain download volume, but their on video-on-demand service would be exempt people went crazy and they withdrew it a week later |
| 23:44.30 | Imhothar1 | but here you usually can choose between 10+ ISPs in most regions so there's way more pressure and competition than overseas |
| 23:48.20 | Noshei | yeah not so much in the US |
| 23:48.38 | Noshei | I have a choice between comcast or basically nothing else |
| 23:48.56 | Imhothar1 | yeah I read most regions have at most 3 companies, if at all |
| 23:49.09 | Noshei | there is another company but their a low cost and low quality option that isn't really an option to me |
| 23:49.47 | Noshei | s/their/they're/ |