LaLuzDelSol
@LaLuzDelSol@lemmy.world
- Comment on Anon tries to understand credit scores 5 days ago:
Yall are making this more complicated than you need to.
-Using credit does lower your score, yes, because if you already have loans you are less able to pay off additional loans. However, once you are done paying off those loans you will have a higher credit score than when you started
-Not using credit will only lower your credit score because it turns you into an unknown quantity
-Paying back late does lower your score, duh
-Paying back early does NOT lower your score. The only thing is if you take out a loan and then immediately pay it back they will recognize that you didn’t really need a loan in the first place. But Paying back mortgages/car finances quickly is a great way to build credit
-Simply checking or looking at your credit score does not affect it. However, making a “hard inquiry”-actually going to the bank or dealership and asking them if you can afford X thing-can lower your score because it’s a clear sign you’re about to take on more debt. That won’t actually hurt you for that particular inquiry though, it only hurts you if you walk away.
-Taking out loans does lower your score because you have burdened yourself with debt, duh
-Repaying loans does NOT lower your credit score, it raises it, unless you no longer have any debt at all and they no longer have a feel for how good you are at repaying.
Having an excellent credit score is not hard. Use a credit card and pay the full balance every month - thats a good idea anyway since the cash back is free money. Take out loans only when you need to and repay them as quickly as you can (also a good idea, since the guaranteed ROI of repaying debt is going to be better usually than when what you can make guaranteed by investing).
Now is America over-reliant on debt? Oh yeah absolutely. But avoid revolving credit card debt and don’t get in over your head with mortgages and car loans and you can easily “game the system” and take advantage of cheap credit.
- Comment on Anon questions some decisions 6 days ago:
I didn’t realize how large the Balkan drug trade was, thank you for that information. It seems the proliferation of illegal drugs is a problem of similar scope in Europe as the U.S.
- Comment on Anon questions some decisions 6 days ago:
Leftist try not to defend atrocities committed against America and its allies challenge (very difficult)
- Comment on Anon questions some decisions 6 days ago:
If the US was just neighbors with Canada I guarantee you illegal drugs would be much harder to come by in the US. Most other developed nations have the luxury of being neighbors only with other developed nations (or being islands)
- Comment on WHY??? 4 weeks ago:
Yeah apparently it has to do with the bit sort of sliding in behind the holes it carves out with its blades. Doesn’t happen with a regular drill bit because those don’t have sticky-out parts.
- Comment on WHY??? 4 weeks ago:
Haha I love AI! We’re so close to AGI I swear bro!
Interesting, I’ve only had the hexagon thing happen to me in plywood, but it seems it can happen in regular wood as well.
- Comment on WHY??? 4 weeks ago:
You get hexagons as well when you drill a countersink bit into plywood. Something something layers.
- Comment on The osu! Open Source Client, Lazer, Has Been Made the Default Download Option for New Users 5 weeks ago:
Was it though??
- Comment on Female tourist takes down phone-snatcher in Argentina 1 month ago:
Can you give me one example where this has EVER worked, on a scale larger than a couple thousand people.
- Comment on Female tourist takes down phone-snatcher in Argentina 1 month ago:
Ahh I never got that line until now, thought he said passin-it which didn’t make any sense
- Comment on "Nevertheless, the vaginal sounds that were sent will have reached Epsilon Eridani in 1996 and Tau Ceti in 1998. It is unclear what sort of reply we should expect." 1 month ago:
Became concerned"
I’d put “hypothetical aliens listening to our radio transmissions won’t know what our vaginas sound like” preeeety far down my list of concerns but you do you, king
- Comment on Why don't cars have a way to contact nearby cars like fictional spaceships do? 1 month ago:
Yeah my friend has a cb radio and he says when traffic is bad people are just yelling at each other. Although that’s anonymous, if the messages showed you were X person from C vehicle it would probably be a bit more civil
- Comment on What's the name of the early-mid 2000's song that sounds like Beyonce, starts with a "dun...dun... dun DUN!" guitar part, and the singer makes this "dabudabudabu" sound? 1 month ago:
And heart attack came out in 2013 haha
- Comment on Velma can't math. 2 months ago:
Oh true!
- Comment on Velma can't math. 2 months ago:
They’re the coefficients of a quadratic equation! Y = ax^2 + bx + c
- Comment on Is there any way the average American can insulate themselves from the AI bubble bursting? 2 months ago:
Oh yeah it’s definitely bad in the long run. I’m just saying that it isn’t fair to say that the economy wouldn’t be growing without these new datacenters.
- Comment on Is there any way the average American can insulate themselves from the AI bubble bursting? 2 months ago:
It’s also not completely fair, some of that money would have been spent elsewhere without datacenters. Investors still gonna invest.
- Comment on Anon shops for diamonds 2 months ago:
Eh it’s now about 1/3 the price. Lab diamonds are getting cheap. Still a solid option though.
- Comment on Anon shops for diamonds 2 months ago:
Dang a lot of diamond haters in the comments! I would never buy a mined diamond for the ethical concerns but I think lab grown diamonds are worth the price. Moissanite is really pretty but it does throw more colors which may not be to everyone’s taste. Diamonds have a really clean white sparkle. And the price difference between the two is not as big as it used to be apparently.
- Comment on Anon shops for diamonds 2 months ago:
No I’m pretty sure that’s just so if there’s a robbery they aren’t stealing the good stuff.
- Comment on ... huh... 2 months ago:
GOTTEM
- Comment on Anon is a movie critic 2 months ago:
Yeah I feel like movies in general wayyyyy downplay how bad taking a full force bare-knuckle punch right to the chin is. Irl you’re very likely getting knocked out and also whoever threw the punch has a good chance of breaking their hand.
- Comment on Are Street Racers "bad people"? 2 months ago:
Well, they do run like moonshiners, but that’s different from street racing for the fun of it.
- Comment on Are Street Racers "bad people"? 2 months ago:
The Purge, but for street racing?
- Comment on "I’m Canceling My Subscription": Xbox Players Call to "Boycott" Game Pass "Hard" Over 50% Price Increase As Microsoft’s Website Crashes from Mass Cancellations 2 months ago:
When was game pass ever $5? I always remember it being 10.
- Comment on Barely sustainable 3 months ago:
Lol clearly a joke
- Comment on Can't believe I made this without ChatGPT 4 months ago:
You lost me there…
- Comment on What's your thoughts on this? 4 months ago:
Watts per hour is not a unit of energy or power, do you mean watt-hours? Neither of those numbers seems right if so. And the amount of energy consumed by a prompt will vary wildly based on the size of the model, your hardware, what your prompt is, etc. My point is that, with 2 identical prompts on 2 identical models, one done in a specialized datacenter and one done at home, the one at home will probably use more power because it’s less efficient. Therefore, if we are concerned with how much power AI datacenters are using, switching from datacenters to home computing is clearly not a solution.
- Comment on Can't believe I made this without ChatGPT 4 months ago:
Different by one decimal place.
- Comment on What's your thoughts on this? 4 months ago:
Hang on those aren’t even equivalent units. Equivalent to running your microwave for how long?