Posted by ryan
at 10:30 AM
on Tuesday, March 06, 2007
I recently got a new car loan from Capital One and upon logging into my online account console I saw that the loan was titled ‘Google Auto Loan’:
I did not get to the Capital One site through an adwords ad nor did I through a Google search.
Does anybody have any insight on this – is Google experimenting with the consumer loan business? It’s an interesting bit of speculation. I could see it going down like this:
- Google partners with a traditional financing company (i.e. Capital One).
- Whenever a traditional new loan application comes into the financing company, Google does a parallel query against what Google knows of the person (using their name, email address etc…). Google knows my search history, knows that I have a GMail account (since that’s the email address I gave to Capital One), knows a lot of my daily habits (as I use Google Reader for my feeds). This information probably paints a pretty good picture of what kind of person I am and, as a result, what kind of credit risk I am.
- The combined methods of Google and Capital One are able to drill much deeper into my suitability for a competitive loan than straight conventional methods. Combined with the fact that my loan type specifies automatic withdrawals from my bank account (which further reduces my account overhead) I am offered a great loan rate while Google (almost acting as a co-signer) shares the investment risk with Capital One and takes part in the loan profits.
tags: google, loans, capital one
Posted by ryan
at 9:23 AM
on Thursday, March 09, 2006
I’m in the midst of setting up a small office in Raleigh for my company, ALTERthought, and am actively searching for some good developers to fill out its ranks.
We’ve got quite a few positions open, both in Raleigh and Richmond-VA; You can see their descriptions on our careers page. We’re specifically looking for an entry to mid level Java Developer here in Raleigh, but are partial to talented and motivated people of all backgrounds. If you’re looking to be challenged while being given the freedom to grow to your full potential, let us know. Just send your resume and a small blurb about yourself to [email protected]
Posted by ryan
at 11:52 AM
on Monday, January 30, 2006
I have been living in some apartments in Richmond for almost a year and half now, and the whole time I have been plagued with noisy neighbors due to both the inconsideration of said neighbors and the poor quality of the construction of the building. Rather than suffer through more sleepless nights and increasing blood pressure I finally decided to move – with one problem: my lease wasn’t up yet. Meaning I would need to break my lease early.
For those who know anything about apartment living you know that breaking a lease can be a difficult thing to pull off. Your lease will no doubt state harsh penalties for breaking the lease early (from a few month’s rent to the remaining rent owed as part of your lease). While you can try and argue with your landlord, the fact of the matter is that they’ve got you by the balls.
My (successful) approach was to write a very official and business-like letter to my property manager explaining in a stern but non-threatening way my reasons for wanting out. As I couldn’t find one of these document templates on the web when I was writing mine I thought it might be useful to some of you out there to see what worked for me. (names have been excluded and some adjustments may be needed – MS Word and OpenOffice versions attached after the letter below)
Dear [property manager name],
I am writing you to inform you that we wish to terminate our lease early due to the ongoing dissatisfaction with the quality of life provided to us by the [apartment name] apartments. While we have always been pleased with the cooperation and understanding of you and the apartment management to our situation, the fact remains that the environment in our apartment is substandard, specifically with regard to the noises generated by neighboring units. Our complaints, and those of other tenants, of this prohibitive conduct as specified in section 20 of the Apartment Lease Contract have not changed the situation nor have they provided the “peace and quiet enjoyment” the [apartment name] is committed to providing (Section 11, Rules and Regulations).
It is our desire to be released from our lease without fault on [desired early lease termination date]. You can expect our full cooperation in showing the apartment during our remaining occupation to facilitate its immediate rental and prevent the [apartment name] from any financial losses. I hope that our immediate rental payment history and good-standing account sufficiently indicates our continued accountability and sincerity.
Again, we appreciate all the attempts that you have done as property manager to alleviate our dissatisfaction but have decided that it is in both parties’ best interests for us to vacate the unit. Please let us know the feasibility of our request and if we can do anything to make the process proceed smoothly and to your satisfaction. Also, please let us know if you would like us to speak directly with any other management parties about our request.
Thank you, again, for the consideration.
MS Word version
OpenOffice 2.x version
OpenOffice 1.x version
If your landlord doesn’t buy your attempt at the matter, I would think you have a few more options, all of escalating implications:
- Get a real estate lawyer to write a letter on your behalf (the letterhead alone may be worth more than the contents, so if you have an attorney friend it may be worth hitting them up for the favor)
- Contact the Better Business Bureau to try and resolve the situation. You may want to notify your property manager that this is a next step at some point – my guess is they won’t want this hassle and may be willing to cooperate.
- Slander the F* out of them on the internet. Do a search for apartment reviews and let others know your experiences. If you can’t get out of your situation, at least make sure others don’t suffer.
Posted by ryan
at 2:47 PM
on Tuesday, July 26, 2005
I work at a company that thinks that one of these fine lamps is a necessary addition to our office decor.
I couldn’t agree more.
Posted by ryan
at 10:35 AM
on Tuesday, April 26, 2005
The time has come when I must part with my 2000 Audi A4. If anybody’s in the area and is interested, let me know – I’m asking $12,500…
May 7th – Sold!