It's definitely a start.

You can please some of the people some of the time, but none of the people all of the time.

We used to pay our rent in 15-20 installments, one every day or two. The office of the apartment building we lived in was on the way to our apartment, so it wasn't any inconvenience for us to just drop a check in their drop box when we passed by, but I like to think it was mildly irritating for them to have to deal with the book-keeping. They asked us not to on multiple occasions but their only online option had a small "convenience charge" attached, so... No, thank you. I'd be happy to use it if they paid me a "convenience fee" for not making them process 20 checks every month.

Also capped insulin prices and old people drugs. The man is speedrunning pothole legislation, oh yeah and he literally fucking made a national pothole fixing Bill.

Biden is definitely going down like Carter where 2 decades later everyone benefits from his presidency and are like "fuck he was actually pretty good".

Lemmy leftie morons: JoE BiDeN hAtEs Us!

It's like they ignore all of this news and act like all he's ever done is beat the shit out of rail workers...

I would hold off on any antitrust wins. That record is mixed at best.

There are a lot of big things that would be celebrated if our media covered it differently and if Biden was as self-aggrandizing as Trump.
But the little things are really what make me want to vote for Biden again. This is competent governing. In my field, I've seen how the little things lead to big things. Like the approval of off shore wind farms that were stalled under Trump are now approved and constructed leading to the first utility scale offshore wind farm in the US. A huge accomplishment from one little approval.

The Inflation Reduction Act is one of the most significant pieces of legislation in a long time

Even if this is low hanging fruit, I love him doing stuff like this. I remember how infuriating it is to get some random charge on an account, call up the bank to report fraud, only to be told it's because a savings account needs X dollars in it or some nonsense charge like that.

They're capping them too.

The U.S. Chamber of Commerce said it would be filing a lawsuit against the CFPB "to prevent this misguided and harmful rule from going into effect.”

Don't hold your breath. The current state of the judiciary is nakedly hostile to administrative law generally and bank regulations specifically.

Keep an eye on Consumer Financial Protection Bureau v. Community Financial Services Association of America, Limited. Might not even have the CFPB for much longer.

That kind of commie talk makes St. Reagan cry.

49% of Americans can’t afford a 1000$ emergency. I can see why you would use your credit card, try to pay it with your next paycheck, paycheck is late (because of course it is) then miss credit card payment.

Those are very thin margins that a lot of Americans deal with.

I know somethat charge that DAILY!

Or 30% to deliver an app.

I mean, if you have other shit going on that day, it's kinda on you to cancel or reschedule your appointment before whatever cutoff they have instead of just not going.

You made the commitment to be at your appointment at the scheduled time, and if you no show that's time that could have been spent seeing another patient and money they can't make because of your actions.

I've never had an issue if something came up the day of and I needed to reschedule, as long as I called the moment I knew I might not make it.

The system is overwhelmed and you are scheduled months out because there are so many people waiting ahead of you. If you cancel appropriately that spot can be given to someone else that is waiting. As a patient I want higher punitive fees on people that don't cancel appropriately - not to stick it to them but to encourage them to actually call ahead and cancel so more spots can open up. This is not the same as junk fees.

Is your suggestion to just continue to pay the companies whatever they ask for without a fight?