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Timby posted:Thank God I'm not the only one. Yeah, must have been sad thinking you're the only failed clone of Martin Lawrence.
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Jul 14, 2012 19:32
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trunkwontopen posted:And then there is this one too: Is my math retarded as hell, or are you seriously going to pay back $490,000 over seven years on a $5,000 loan? Please tell me I'm as dumb as Fry.
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Jul 14, 2012 22:52
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McSpanky posted:Is my math retarded as hell, or are you seriously going to pay back $490,000 over seven years on a $5,000 loan? Please tell me I'm as dumb as Fry. You're off by a factor of 10. The payback would be about $40k (84 pmts @$486.58 according to their website). The idea, I'm guessing, is that you don't take that long to pay it back. I'm surprised some consumer advocate group hasn't tested them out. I seem to recall there being a blurb about no penalty for early payback.
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Jul 14, 2012 23:16
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Mister Kingdom posted:You're off by a factor of 10. The payback would be about $40k (84 pmts @$486.58 according to their website). The idea, I'm guessing, is that you don't take that long to pay it back. poo poo, I thought I misplaced a decimal or something. But yeah, I guess technically it's not illegal if there's both an extensive repayment period and no penalty for early repayment. Still pretty drat expensive, I can't really imagine non-exploitative situations where someone would need $5k "tomorrow" that badly and could also afford to pay off substantially more than $500 a month thereafter.
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Jul 14, 2012 23:25
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McSpanky posted:poo poo, I thought I misplaced a decimal or something. But yeah, I guess technically it's not illegal if there's both an extensive repayment period and no penalty for early repayment. Still pretty drat expensive, I can't really imagine non-exploitative situations where someone would need $5k "tomorrow" that badly and could also afford to pay off substantially more than $500 a month thereafter. It would have to be an extreme situation like you were being foreclosed on and have to come up with big money quickly. Or you really suck at managing your credit and the creditors are breathing down your neck.
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Jul 14, 2012 23:31
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That's actually not as bad as payday loan places. They usually have something like 900% APR, you're just not supposed to actually take a year to pay it off.
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Jul 14, 2012 23:59
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gently caress all stop motion commercials.
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Jul 15, 2012 05:44
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Payday Loans are meant to be paid back in the very short term. It's not like a mortgage or something. If they ran at the same interest rates as longer-term loans, they'd never make any money. You're pretty much getting one to have for like a week or two max.
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Jul 15, 2012 06:12
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DJExile posted:Payday Loans are meant to be paid back in the very short term. I've used them once back in college because my rent was due a few days before payday. I think it cost me an extra 30 or 50 bucks on a 600 loan which wasn't too bad.
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Jul 15, 2012 13:43
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Mokinokaro posted:I've used them once back in college because my rent was due a few days before payday. I think it cost me an extra 30 or 50 bucks on a 600 loan which wasn't too bad. If you have a job, payday loans were better than go to pawn shops and putting something valuable into hock for a temporary cash infusion.
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Jul 15, 2012 13:50
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HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA HOPPA  Jesus gently caress, I don't know if I'm madder at Dish Network as a whole or just those loving accents.
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Jul 17, 2012 20:34
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I can't find this on Youtube, but there's an ad for Samsung's newest phone that's running in theaters that just drives me insane. The whole idea is the spokesman has tied up the projectionist so he can do a little "demonstration" where he shows the projectionist's phone number, has everyone take a pic, then he says 'Oh, some people missed it, well, if you didn't then share it with the person next to you' and it's a really long-winded way of showing that their new phones can share things by being bumped together. Describing it really doesn't do how justice to how horribly tedious it is. The setup takes so long to explain that when he shows off the feature it's like a shaggy dog joke.
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Jul 17, 2012 20:40
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Yeah, I've seen it and it's exactly as tedious as you make it sound. They've got a tv ad too where a guy gets asked to take the picture of a group of tourists... and then another one, and then another one, see, because they've all got different cameras! Meanwhile, another guy takes a picture of another group of tourists and only has to do one, because they all bump phones. The feature itself is so loving  -inducing, too. There are ways to send pictures to other phones already! They're easy! It takes five seconds! You're not going to convince anyone this is a problem, Samsung, because I guarantee you that everyone's already had a moment where they went "gosh I wish I could just send this picture to my friend's phone", and then realized that oh yeah, they could. So they did it. Plus, unless you and all your friends all have that same goddamned phone, it doesn't even work! You're deluding yourself if you think that any group of three or more people is going to own the exact same of phone, unless maybe they all have an iPhone. That's possible. Everyone buying Samsung is not.
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Jul 17, 2012 20:49
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CapnAndy posted:You're deluding yourself if you think that any group of three or more people is going to own the exact same of phone, unless maybe they all have an iPhone. That's possible. Everyone buying Samsung is not. Its Near Field Contact is what they're promoting. Technically any phone with NFC would be able to do that, not just that specific Samsung model. Most other carriers are adding NFC to phones at the higher end although the tech is just being rolled out. NFC as it exists now, though, is basically 1 cool thing (pay by phone tap) and QR codes 2.0 Any ad with QR codes is an ad I hate because its wasted money that somebody got convinced to spend that also typically ruins an ad's creative. Why do two bad things at once?
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Jul 17, 2012 20:54
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McSpanky posted:poo poo, I thought I misplaced a decimal or something. But yeah, I guess technically it's not illegal if there's both an extensive repayment period and no penalty for early repayment. Still pretty drat expensive, I can't really imagine non-exploitative situations where someone would need $5k "tomorrow" that badly and could also afford to pay off substantially more than $500 a month thereafter. Also since Western Sky is based on tribal lands they have somewhat different rules than the- lax - ones that payday lenders are subject to. For instance I don't believe they are subject to usury laws. EDIT: Young Freud posted:What, does this mean that can hire outside contractors to break your thumbs? I don't think so, it just means that since Western Sky is based on a reservation they're actually a sovereign nation and as such don't have laws capping excessive interest rates like most states do. Anyone who defaults or something probably won't have it worse than if they did the same to a normal payday lender (collections, lawsuits, etc.) Maybe if you were to actually go on the res and make a big deal out of it you might be in actual physical trouble. quote:WESTERN SKY FINANCIAL is owned wholly by an individual Tribal Member of the Cheyenne River Sioux Tribe and is not owned or operated by the Cheyenne River Sioux Tribe or any of its political subdivisions. WESTERN SKY FINANCIAL is a Native American business operating within the exterior boundaries of the Cheyenne River Sioux Reservation, a sovereign nation located within the United States of America. The SituAsian fucked around with this message at 21:07 on Jul 17, 2012 |
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Jul 17, 2012 20:55
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The SituAsian posted:Also since Western Sky is based on tribal lands they have somewhat different rules than the- lax - ones that payday lenders are subject to. For instance I don't believe they are subject to usury laws. What, does this mean that can hire outside contractors to break your thumbs?  Holy poo poo, the new Gamefly commercial. Not only does it have people screaming in frustration, but it has them tearing up a Not-Gamestop.
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Jul 17, 2012 20:59
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CapnAndy posted:Yeah, I've seen it and it's exactly as tedious as you make it sound. They've got a tv ad too where a guy gets asked to take the picture of a group of tourists... and then another one, and then another one, see, because they've all got different cameras! Meanwhile, another guy takes a picture of another group of tourists and only has to do one, because they all bump phones. Yeah but the point of that commercial is that you can do it with strangers you've never met and never have the intention of seeing again! Just like everyone doesn't!
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Jul 17, 2012 21:30
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Barudak posted:Its Near Field Contact is what they're promoting. Technically any phone with NFC would be able to do that, not just that specific Samsung model. Most other carriers are adding NFC to phones at the higher end although the tech is just being rolled out. NFC as it exists now, though, is basically 1 cool thing (pay by phone tap) and QR codes 2.0 IIRC that Skylanders stuff uses NFC, and at this point is pretty much a license to print money for Activision. Pretty sure the Wii U's gonna have built-in NFC too. The technology's about to take off in a big way, but Samsung making it the ONLY selling point on their new phone is a mistake.
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Jul 18, 2012 00:58
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404GoonNotFound posted:IIRC that Skylanders stuff uses NFC, and at this point is pretty much a license to print money for Activision. Pretty sure the Wii U's gonna have built-in NFC too. The technology's about to take off in a big way, but Samsung making it the ONLY selling point on their new phone is a mistake. Sorry if I made it sound like I'm too harsh on NFC. I genuinely like it from its payment and other integration features and my next phone absolutely has to have it. I don't much care for it because its being shoved down my throat by vendors as the big new thing we should sink money into and so far all of their pitches have been basically "QR Codes but more expensive and worse"
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Jul 18, 2012 01:02
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Young Freud posted:Holy poo poo, the new Gamefly commercial. Not only does it have people screaming in frustration, but it has them tearing up a Not-Gamestop. I hate those commercials so much. There's one where the guy is all BUT I PAID SIXTY DOLLARS!!!! after he's told he's getting $9. Guess what? Video games are virtually the only thing with a used market that actually pays whole dollars and combined it with Gamestops being loving everywhere. Getting back 15% of your expense is practically a gift. There is no resale market for old shoes.
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Jul 18, 2012 01:06
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Barudak posted:Sorry if I made it sound like I'm too harsh on NFC. I genuinely like it from its payment and other integration features and my next phone absolutely has to have it. I don't much care for it because its being shoved down my throat by vendors as the big new thing we should sink money into and so far all of their pitches have been basically "QR Codes but more expensive and worse" Oh definitely, it's poo poo for marketing purposes. But using it as, say, a replacement for USB dongles (which I think is one of the ads in the campaign) is a good idea.
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Jul 18, 2012 01:08
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Sash! posted:I hate those commercials so much. I gotta say, wait a few months then buy online or off Steam.  I don't know, I've gotten dollar amounts back with DVDs and books. But, yeah, games have a much better percentage.
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Jul 18, 2012 01:10
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Young Freud posted:What, does this mean that can hire outside contractors to break your thumbs? I don't even understand where the competition exists between Gamefly and Gamestop. "Are you mad that you can't resell your games for the same price you bought them for? Use Gamefly." 
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Jul 18, 2012 02:47
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raditts posted:I don't even understand where the competition exists between Gamefly and Gamestop. "Are you mad that you can't resell your games for the same price you bought them for? Use Gamefly."
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Jul 18, 2012 16:58
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Sash! posted:I hate those commercials so much. Not going to lie I still laugh at the end when the dude throws the Master Chief knock off model through the window.
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Jul 18, 2012 17:02
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What's interesting about the Geico commercials is that although they suck I actually think they work as intended. They've inundated the airwaves with the message that Geico is the cheapest insurance so well that people don't even question it. One of my cousin's once told me something like, "I have Geico.... I don't think you can find anything cheaper" essentially confirming that he didn't even try to find cheaper insurance. In my experience they're actually one of the more expensive companies. Sephiroth_IRA fucked around with this message at 17:09 on Jul 18, 2012 |
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Jul 18, 2012 17:07
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Orange_Lazarus posted:What's interesting about the Geico commercials is that although they suck I actually think they work as intended. They've inundated the airwaves with the message that Geico is the cheapest insurance so well that people don't even question it. One of my cousin's once told me something like, Not only are they not necessarily the cheapest (typically though the rank in the upper half) they're also not even remotely the largest. They do however, spend a much, much larger percentage of their budget on advertising versus their competitors for the explicit reason you mention; they convince people they're the biggest and cheapest name in town because they're the ones talking all the time.
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Jul 18, 2012 18:00
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I've always been suspicious that Geico is actually pretty expensive. I'm just one of thsoe guys that tries to listen to slogans very carefully, and I've always picked up on things like "could", "may", and "up to". Like them saying "Switching to Geico could save you up to 15% on car insurance." isn't false advertising because there are no promises made, so it comes off as odd to me. It seems disingenuous.
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Jul 18, 2012 18:08
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I'm still amazed that anyone would ever say Geico commercials suck.
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Jul 18, 2012 18:38
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The thing about all insurance commercials (especially car insurance,) is that every one of them likes to brag that "our members on average saved hundreds of dollars by switching." Well DUH. Who the gently caress is going to switch insurance companies if their new policy, assuming it's equivalent, is going to cost MORE?!
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Jul 18, 2012 18:55
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Dr_Amazing posted:I'm still amazed that anyone would ever say Geico commercials suck. They've sponsored the NHL Playoffs for the last 2 years or so, so pretty much every break has a Geico ad, every intermission is brought to you by Geico, and the little gecko will sometimes show up and slap a puck around during downtime. It's not necessarily that they're bad (though they can be), but there would be just so many of them that I couldn't stand it anymore.
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Jul 18, 2012 19:06
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SpacePig posted:They've sponsored the NHL Playoffs for the last 2 years or so, so pretty much every break has a Geico ad, every intermission is brought to you by Geico, and the little gecko will sometimes show up and slap a puck around during downtime. It's not necessarily that they're bad (though they can be), but there would be just so many of them that I couldn't stand it anymore. I'll definitely take the gecko over the caveman all loving day though.
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Jul 18, 2012 19:12
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vyst posted:Not going to lie I still laugh at the end when the dude throws the Master Chief knock off model through the window. Same here. I think that's the right level of outrageousness, it's just that it takes too long to get there.
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Jul 18, 2012 19:43
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DJExile posted:I'll definitely take the gecko over the caveman all loving day though. The very first (I think, the one where the caveman works as the boom operator for a TV station and yells "Not Cool!") commercial was loving hilarious. Then it got old, fast.
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Jul 18, 2012 20:26
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DJExile posted:I'll definitely take the gecko over the caveman all loving day though. A few of them were pretty funny, but why they thought it was a good idea to run the SO EASY A CAVEMAN COULD DO IT into the ground for years is beyond me. And then there's the TV show.
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Jul 18, 2012 21:00
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Barudak posted:Any ad with QR codes is an ad I hate because its wasted money that somebody got convinced to spend that also typically ruins an ad's creative. Why do two bad things at once? I don't think I've ever seen anyone scanning a QR code in an ad. Ever. They're up there with social media experts and Second Life when it comes to welfare for tech nerds caused by execs being clueless. "Oh yes, your toothpaste company definitely needs a full-time employee to run their Facebook page!" raditts posted:I don't even understand where the competition exists between Gamefly and Gamestop. "Are you mad that you can't resell your games for the same price you bought them for? Use Gamefly." "If you're going to deprive the company the actually made the game from making a single cent off of your purchase, why not at least save yourself some money as well and just rent it instead?"
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Jul 18, 2012 21:58
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I hate this world.
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Jul 18, 2012 22:54
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Was that porno with her ever released? Sorry but this is the first time I've seen her mentioned since that gbs thread. edit: Yes. it was. Sephiroth_IRA fucked around with this message at 23:00 on Jul 18, 2012 |
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Jul 18, 2012 22:58
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Farbtoner posted:I don't think I've ever seen anyone scanning a QR code in an ad. Ever. They're up there with social media experts and Second Life when it comes to welfare for tech nerds caused by execs being clueless. "Oh yes, your toothpaste company definitely needs a full-time employee to run their Facebook page!" I wonder if anyone's even used shazam when watching someone's ad.
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Jul 18, 2012 23:07
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Doctor Butts posted:I wonder if anyone's even used shazam when watching someone's ad. I'll give you a hint: No. If you want to know what studies say its "No." If you'd like to know what the efficiency rate is its only marginally better than taking that money and instead hiring attractive people to pleasure you physically for several days. Should you instead use that money to pleasure the CMO you may find yourself being promoted instead of fired during the review process.
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Jul 18, 2012 23:19
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