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I'm a softy when it comes to animals

Windows 10 is spying on almost everything you do – here’s how to opt out

This from BGR/Zach Epstein

Windows 10 is amazing. Windows 10 is fantastic. Windows 10 is glorious. Windows 10 is faster, smoother and more user-friendly than any Windows operating system that has come before it. Windows 10 is everything Windows 8 should have been, addressing nearly all of the major problems users had with Microsoft’s previous-generation platform in one fell swoop.

But there’s something you should know: As you read this article from your newly upgraded PC, Windows 10 is also spying on nearly everything you do.

It’s your own fault if you don’t know that Windows 10 is spying on you. That’s what people always say when users fail to read through a company’s terms of service document, right?

Well, here is Microsoft’s 12,000-word service agreement. Some of it is probably in English. We’re pretty sure it says you can’t steal Windows or use Windows to send spam, and also that Microsoft retains the right to take possession of your first-born child if it so chooses. And that’s only one of several documents you’ll have to read through.

Actually, here’s one excerpt from Microsoft’s terms of use that everyone can understand:

Less Respect for Michael Bloomberg

I was listening to some discussion about the purchase of the FT.

One person said that Bloomberg makes it very clear that the point of Bloomberg News is to sell Bloomberg terminals.

I have no trouble with that EXCEPT

Bloomberg doesn't want nasty stories about China which would interfere with him making money in China.

So he is willing to sell the integrity of a major worldwide news organization for sales in China.

DISGUSTING!

So Why Did My Windows Upgrade Icon Disapear?

They say it is easy to upgrade. The icon was there until today
how to i get Windows 10 without it?

I am getting stupider

I just took my second Wonderlic test and I didn't do very well.

I took one back in September and got a 44 which put me in the 99th percentile

Today I took the test and only got a 34 which put me in the 95th percentile.

At least that is the way I read this website

http://www.us.mensa.org/AML/?LinkServID=5A1CE69C-C4DD-6B70-EE32B45588243A22

I was told that I needed at least a 30. We shall see if I did well enough. All I can do is wait.

Looking for comments and what your response to this would be, please failed blog readers

http://www.wausaudailyherald.com/story/news/local/2015/07/24/confederate...

I have all ready made a comment, reply to a comment on line, but this thing really has my undies in a budie.

"Yes free speech is not always intelligent speech, but this is far more than showing a lack of intelligence, respect or common sense. It is racist, prejudiced, but also treasonous."

your thoughts please

Republican Response: Iran

The proper Republican response

Of course, accepting this deal is better than rejecting it.

Obama did a terrible job negotiating this deal and it stinks. Virtually anyone could have negotiated a better deal that Obama did. He is guaranteeing that Iran will get the bomb in 10 to 12 years. He is an idiot and a disgrace.

Unfortunately, he gave away the store to Iran and there is nothing we can do about it. We lost our chance to negotiate when we had China and Russia and India on our side. The sanctions are going to be lifted by the rest of the world and we don’t have the ability to keep the sanctions going anymore.

So the question shouldn’t be: this deal or no deal. The question should have been: a better deal or no deal.

We should be able to keep the sanctions going but Obama let the horse out of the barn and we can’t do anything about it anymore.

Let’s get rid of Obama and the Democrats in the White House. We need a Republican President. Any of the 15 people whose name doesn’t rhyme with trash dump could do a better job that Obama. Let’s hope we can get him out of office before he does anything else so stupid and so dangerous.

This is why I love Kevin Drum

"Anyway, that's what science says. Unfortunately, science also says that presenting facts to people almost never changes their minds. In fact, it can do just the opposite as people respond defensively to the notion that they've been wrong for a long time. So I suppose no one reading this is actually going to switch to _____. Instead they'll cherry-pick studies that support their previous point of view.

It doesn't really matter what the topic is. "science also says that presenting facts to people almost never changes their minds."

Of course some people will say that this just proves that people are logical and you can throw out all the logic in the world...

except the logic that agrees with your own point of view.

We are all guilty if it

Everybody plays the fool sometime
There's no exception to the rule
Listen, baby, it may be factual, may be cruel
I ain't lying, everybody plays the fool

For the love of music

http://www.tdmusic.com/events

The things you see waiting for Windows update. We ain't going, but as they say, for the love of music, check it out. Oui?

Vox is WRONG

http://www.vox.com/2015/7/22/9016163/donald-trump-bank-accounts

Matthew Yglesias doesn't understand banking and doesn't understand risk.

He is saying that it is wrong for Trump to have $5 million in a single bank because FDIC insurance only goes up to $250,000.

Every bank in the country has deposits over the FDIC limit. Virtually every large company in the country has deposits in a single bank over the FDIC limit. It is absurd to think that someone is going to have scores of bank accounts to keep their money insured.

Of course, FDIC insurance doesn't really mean very much. You can have all the money you want in virtually any bank and the FDIC will work very hard to find a buyer for 100% of the deposits. There are a few, and I really mean a few, small banks in areas where nobody wants the deposits that fail and the FDIC pays off the insured deposits. I can't remember the last time one of the 2,000 largest banks failed and all deposits weren't paid in full. If I had to guess it would have been in the 74 recession. There is a reasonable chance it hasn't happened in 40 years.

Happy Pi Approximation Day

https://en.wikipedia.org/wiki/Pi_Day

22/7=3.142857142857143

I'm sure this doesn't mean anything

Looking at the weather in New York (which really sucks right now)

January 15 is the coldest day of the year, on average
July 20 is the hottest day of the year, on average

It is a pity the hottest and coldest weren't just one day different.

Another broken clock

I paid $2 to get a print subscription to National Review. Unfortunately, it doesn't give me access to the online magazine

Anyway Allen C Guelzo wrote an article "Take It Down"

His final two paragraphs state:
"So, here is my proposal. The Confederate flag was and is a symbol of many things, and in racial matters, a symbol of profound offense. But its most undeniable and constant meaning is rebellion. It is the emblem of treason, not only in 1861 but at any time someone defends the legitimacy of secession. Therefore, let every American who thinks treason is a crime take down the Confederate flag, and ask others to do likewise. And when (or if) we are refused, let us turn our backs on it, and dishonor it.

"That is the response of the free citizen."

Am I missing something? Poll results UPDATED 12:35 7/15/15

I don’t understand
http://www.nytimes.com/politics/first-draft/2015/07/14/donald-trump-is-t...

The headline says: Donald Trump Is Tied With Jeb Bush for Lead in National Poll

So based on the headline, I would assume that some poll has Trump tied with Bush. I think that is a fair reading. Do you agree?
The third paragraph states: “Mr. Trump has the support of 17 percent of Republican or independent voters who say they plan to participate in the party’s primary elections or caucuses, while Mr. Bush has 14 percent; the difference is within the survey’s margin of error.”

Now, I think that Trump is 3% in front of Bush. I understand margin of error. If you are saying that 95% of the time the result is within 3% then you get tighter results than if the margin of error is 5%.

I ran some quick numbers and I calculated Trump has about a 93% chance of being ahead and about a 5% chance of being tied. My numbers can be off by a lot but no matter how you slice and dice things, Trump has a better than 50% chance, a lot better than 50%, of being in front and a very small chance of being tied.

NY Times investment advice

http://www.nytimes.com/2015/07/13/business/the-investing-signals-to-list...

best investment advice I have read in a long time

"Vive le 14 juillet!” (Long live the 14th of July!)

https://en.wikipedia.org/wiki/Bastille_Day Love the French. Via their help we won our independence. They had a rough road to democracy.

Andrew is probably the only person alive who understands this UPDATED 7/15/15

My direct line is 533-9512
Bob, my controller, has a phone number of 533-9429

Update:
I was wrong. Andrew is one of the three people alive who understand it.

the proper way to answer the Trump nomination question

Will you support Donald Trump if he wins the Republican nomination?

Asked to various Republican candidates.

Of course, Obviously, he would have to change a lot of his views to win the nomination. At this point, with what he has been saying, he doesn't have a chance of winning the nomination. If he changed his views to be in line with the majority of the party and won the nomination then I would support him.

I'd laugh if I weren't crying

I find it shocking that I am not able to get a mortgage even though I have sufficient income and I have a sufficient down payment.

For example, if I make $100,000 a year and I pay 30% of my income in alimony to my ex-wife, it is NOT $30,000 a year, it is 30% of my income. So, in effect, I only make $70,000 a year. I live like a person who makes $70,000 a year. My AGI on my tax return in $70,000 a year.

Foolishly, I thought that I could apply for a mortgage like a person who made $70,000. I honestly can’t figure out any difference between my income of $70,000 a year and someone else’s income of $70,000 a year. If I get a 10% bonus then I get AGI of $77,000. If the other person gets a 10% bonus then they get AGI of $77,000.

We could rent the same apartment, go on the same vacations, and eat at the same places.

The big difference is that for mortgage calculations, I can have debt to income of 13% (43% less 30%) of $100,000 or only $13,000 a year while the other person can have debt to income of 43% of $70,000 or $30,100 a year. Obviously, the other person can get a far bigger mortgage than I can.

What Gov. Scott Walker is about to do to Wisconsin’s public schools

this from the Washington Post...

Wisconsin Gov. Scott Walker is busy these days, what with preparing to officially join the gaggle of Republican candidates vying for the 2016 GOP Republican nomination and planning to sign a new state budget. What’s in that budget is deep cause for concern for Wisconsin’s public education system, as Bob Peterson, founder of the Rethinking Schools magazine and former president of the Milwaukee Teachers’ Education Association, explains in this post, which appeared on his Education for Democracy blog and which I am publishing with permission.

Wisconsin Governor Scott Walker is expected to do two things in the next few days: Formally announce his candidacy for for the 2016 Republican presidential nomination and sign Wisconsin’s biennial budget. The first may receive national attention, but it is the second that will disastrously affect Wisconsin if the budget isn’t changed — and that should receive national play.

Buried within the budget are 135 non-budget policy items — a toxic cocktail of attacks on public education, democracy, environmental protections and labor rights.

Scott Walker, legislative leaders drop open records changes

The rejection of Walker’s attempt to shroud the state government in secrecy is good news, but celebrating that does not change the fact that this budget is an unmitigated disaster for the people of Wisconsin. The damage goes way beyond the 67 slimy provisions in motion 999, nearly all of which will now become law. This budget will have a devastating impact on Wisconsin for decades. Republican legislators are high-fiving each other as we speak, and can’t wait to see how much dirty money this budget will bring to their campaigns.

The worst thing about this situation is that the Republicans are not done yet. The state will be broke again in 2 years, as more of their giveaways to the wealthy take effect. The Republicans will then renew their attack on public education, the middle class, and the most vulnerable—senior citizens, the disabled, and the poor. And they will again sneak policy changes and handouts to their donors into the budget, knowing that none of these provisions would ever fly if exposed to the light of day.

No one even bid on this item...

...and I can't figure out why that happened. Other "model 4's" are selling for more, and they are in much worse condition.

Purple Haze!

Canadian style. Here is the view from my driveway. If you look at the trees in the distance (only a few houses away), then you can get an idea of how smokey it is here. When viewing it "live", the smoke is plenty thick. It's been going on for nearly a week, and the air quality is easily bad enough to trigger health warnings.

Grexit questions

With the world wide stock market going today like it did and probably will for this week at least, I have a question. What was the total value of what was lost today? Was it more than 1.7 billion euros, which I think is what the Greek government owes. If so is it worth letting them go bankrupt?

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