// Cries in Knoxvillian

Size aside, I thought the GOP was in favor of local control.

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Big RIP. And I'm terrified of accidentally using my corp CC for a personal gas fill up because it looks similar to my personal card I use for gas lol.

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Not getting into the politics of the situation, but they did legitimately have a crazy large city council. 40 people?! Memphis, which is just barely smaller than Nashville, has only 13. For an out of state example, Chicago has almost 4x as many people as Nashville and has a 50 person City Council.

I mean, the religious comment was stupid, but this puts Nashville more in line with other large cities and makes sense. Chicago’s ridiculous number of aldermen has absolutely hindered its performance, and there’s no reason Nashville needs 3x the councilmen of cities like Boston and DC with even fewer people under its jurisdiction. And plenty of cities with minority-majority populations that are located in blue states also have vastly smaller city councils than Nashville’s (which has 40 members), so I just don’t buy that this is some racist, undemocratic power grab

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I’m confused why that would matter?

I would like to see this study replicated with paid actors who are Latino, Asian, Native American, Pacific Islander, etc. My instinct tells me that appraisers treat these homeowners just as poorly as African Americans, but I would like to see data.

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I have to be honest that seems remarkable. I work in a relatively hot market and say 20-30% appreciation in some areas and even then didn’t see appraisals that far off. You must have some uniquely bad appraisers in your area. But it doesn’t change the fact that this appraiser failed to use standard practices and I would bet that in the discovery phase the plaintiffs found evidence that this was not a one time occurrence.

We've seriously hampered the balance of Congress by hard capping the number of Representatives like we have. Some small states getting the benefit of both houses of Congress when only the Senate was meant for the smaller states to benefit.

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Ranged, but generally 200-400k. Percentage wise it was significant. This week I had one come back 30k less, but that was on a 615k sales price.

> 40, 50, 70k less than sales price

And what was the sales price of those homes? You said you had seen appraisers value homes at 66% of market which would imply the sales prices for these homes are between $120,00 and $210,000. The raw number isn’t the issue it is appeasing at a staggering 33% below market that is the issue. Even over the last two years I can understand a 10% delta given how fast things have moved but not 33%. Especially when that single low appraisal is bookended by much higher ones.

And still had to take out student loans

Disregard my original comment. The discrepancy is large between the appraisers.

Well keep in mind in the scenario you described, if the 15k limit card had zero balance, the 20k refund would take it to -20k balance and now you have a 35k limit card. The negative balance is a thing any CC will allow, as it’s basically you giving them an interest free loan

Same time in real estate, but I have seen homes 40, 50, 70k less than sales price. Normally this comes from the agent doing a terrible job on comps to list it. The inflated market where people were buying homes over sales price for the past two years didn't help either.

See, it seems like there are ways to mask your transactions but the greed pushes them too far.

I successfully "stole" a game console from when I worked at a popular adult arcade+restaurant/bar.

Normally only the regular gamers or no-lifers would ever win the systems.

But over the course of 7 or so months on Fridays, Saturdays and some Holidays I would:

a) collect the cards people left that only had a few tickets left. If they couldn't buy anything they would usually toss them, so I started asking if they wanted it back and would sneak then into a pocket of my Hoodia I kept under the desk.

b) Pad the ticket count at during times where the prize area wasn't super busy, but I knew management would be. Weekends and holidays were hell, but I knew no one would be monitoring the cameras at that time. So it was easy to sneak a quick free 200 tickets here or there but finding papers/other things to weigh or shred. We counted tickets by weight, and would add the approximate amount to the card. If the weight of the bag didn't match the virtual weight of the tickets that should be reflected, it would be an issue if it was off a lot.

On the busy days I knew I could get away with it.

c) Once I had about 50 discarded cards or so, I would have a friend come in so I could consolidate them. I had about 5 main cards that had the tickets stored. And once I calculated that I had enough, I had a friend go in and combine all 5 of the main cards and redeem the game console.

Never got caught. I don't know if anyone was ever suspicious.

In most companies there are exploits that can ve used if they are used properly. It's when you rush or get greedy/cocky that you ruin it.

If the appraiser was applying, a consistent methodology, even an incorrect one, it would be easy enough to prove there was no racial animus. Clearly that didn’t happen.

Well, here’s an interesting way to erase your student debt.