Wait, you can secure SSDs and not just kinda push em in there?!

What if cooked rare?

Playing with my six year old daughter on switch. We just finished the community center. I’d played several times before but always fizzled out, as I tend to do with games, but the couch coop is great, although part of it is the company for sure. If this was me in my youth playing with my brother, the game would be much more hostile, as they all were.

I was 800 or so before refi in October '21 (which I am thankful every day for my 2.275%), and it dipped, but I’m back to 820 as of today. I dip from time to time when my wife gets spend happy on a shared card of ours, but for the most part I hang out there.

Unfortunately it’s meaningless now, because even though I want to do a home equity loan to make my house a little bigger, I can’t justify taking out an amount greater than my remaining mortgage, at a rate triple or more my remaining mortgage, for the equivalent of 180 square feet of living space. It’s all useless. But I’ll plod a long and pay my bills and do whatever.

My brother, though, is the kind of guy who goes and finds cards that are offering some incentives for opening, and he gets them, and then just hangs onto them. I don’t think he has 10, but at least five or six at this point, and he also has great 800+ credit. He just likes to work though. I like to not think about things.

I don’t understand what you mean or how that relates at all. And I’m not trying to be obtuse, I just don’t see a rational nexus between what you’re paying in rent now versus what you may pay as a mortgage on some completely different piece of property. Owning a piece of property and renting one are two different things.

Now, should paying rent be reflected on your credit score? I believe so, for better and for worse. If you are a good tenant, always pay rent on time, to me that reflects well on your fiscal health. I think the only reason it’s not is because who is there to report it? Only way it would be is if you could put it on your credit card, and I’m not sure any landlords take credit cards.

It was a response to someone asking why one would accumulate multiple cards. It’s a reason. I’ve done it. I have 800+ credit score. Guess it worked out. I think the most important factors are paying your shit down fast and maintaining a good ratio of high available credit with low usage. At this point I’m at three or four cards and one or two other lines of credit. In the past, it’s been more of each.

Basically, you don’t get a good score by not using credit.

Store offers 0% on items you need, appliances, bedroom furniture. You’re going to spend thousands and they let you pay that shit over the course of 12 or 24 months. To me it’s a no-brainer. Only downside is I can’t use my Raynour & Flannigan card at Best Buy or Home Depot, so I need their cards too.

How can it be improved further. If you’re going to say stuff, give us a “such as,” otherwise it comes off as a negative, it’s not good enough. Gotta be constructive with the criticism. I’m reading a lot of negative reactions and I want some actual rationale for it, because I guess I’m uneducated on the topic and I fail to see what the issue is. Credit is people giving you money. There’s a system that keeps track of your credit history. Don’t want it? Don’t get credit, that’s it. Have 0 credit and then reap the rewards of that if you want.

Can you elaborate? And excluding all the bullshit with leaks, that’s obviously an issue but I’m not sure it’s related.

If you have a bunch of recently opened cards with like $500-$1000 credit limits, that’s not great, but if you have several high limit cards that you are only using a small percentage of that limit, that is good.

I have to imagine credit ratings are fairly ubiquitous, since banking is international, and who’s giving the money out? Would make no sense to penalize someone for having a lot of available credit. Maybe if you have 10 cards with low available credit, and they’re all maxed out and you’re just paying minimums, that’s bad. That’s bad in America too. Amount of available credit less amount of credit used seems to be a big factor.

What happens when a hyphen is used in a movie title? I think that’s frequent enough, versus an underscore or a period.

Gotta hit shift though. Period, ezpz.

Pretty soon, the kids won’t have to worry about eating Brussels sprouts, because the Brussels sprouts will be eating them!

It feels like it’s mainly talking one way or another about Reddit, or describing how one of the 3P apps is now available for Lemmy. The content is super stale, but it will grow. Fuck, Reddit back in the day was not exactly the thriving metropolis it was maybe six or so years ago. And reddit peaked and came down to how it exists today. So it’ll take time.

That being said, I don’t check Lemmy anywhere near as frequently as I did Reddit, and mainly because the subs I frequented most have smaller footprints here for now. Which is what you said, but in fewer words.

“~30”.

How dare you, OP. Not even middle aged.

I think that’s pretty well put and I’ll agree with it.

In spite of everything telling me not to I still pop over to Reddit because I think there is still value there, even if I have to wade through the bullshit and the bots and whatever. A couple subs weren’t infested with shit yet. But for sure it’s a risk assessment, and I think I got it, but probably I’m not as smart as I think.

Just feels like one or the other when these discussions take place. You’re either blissfully ignorant or cutting yourself off from everything and making your experience more difficult for the sake of “privacy,” which feels like an illusion anyway.

I’ve considered taking up woodworking but my fingers are important and my attention span detrimental to my fingers.

Don’t you feel like awareness of it can be the number one thing to protect you from the manipulation that is rampant? I look at everything and say that is trying to change my mind. Unfortunately, with that comes this cynicism that I’m being sold to all the time and whatnot. But if I happen to hop on a browser that doesn’t have AdBlock, I don’t walk away having spent money on snake oil, or I don’t go sign up for my local right wing political action committee, because I’ve been made aware consistently that everything is aimed at getting me to give something.

And let’s be real, we all remember the constant reference to the Reddit hivemind. If we’re saying they’re wasn’t some sort of external influence that landed everyone on the same wavelength, that feels naive. Or I’m a cynic and can’t enjoy anything anymore.

Worry yourself sick. Enjoy nothing.