TubularTittyFrog
@TubularTittyFrog@lemmy.world
- Comment on Anon tries to understand credit scores 5 hours ago:
when i hire someone for a job, how do I know they have experience without being able to verify they have held previous employment in a similar position?
the point of the system is to show you have experience and you pay back your debts. it’s not that anything more than that.
- Comment on Anon tries to understand credit scores 5 hours ago:
yeah, that’s how you build credit.
but a lot of people don’t use credit that way. they take out personal loads, load up cc, and make minimal payments. and wonder why they are broke.
- Comment on Anon tries to understand credit scores 7 hours ago:
Most folks I know who were bad with money… had rich parents. So it didn’t matter really if they had any discipline or not. They were going ot get bailed out either way, and did, repeatedly.
I can’t speak to what goes on in other people’s heads. But a lot of people rationalize totally distorted beliefs about money and I can’t say I agree that taking on 100K of debt makes any sense if you don’t have a clear plan on how to become employed and earn a salary as such to pay that back. Life is about choices and consequences… and for some reason on lemmy people feel like those things should be totally disconnected.
There are also so many alternatives. I just walked my nephew through college application process. He could have gone to a few schools for free, but he decided those schools were ‘below’ him and he would rather take on debt to go to fancier schools out of pride and arrogance. That’s his choice, and I hope it works out for him, but in 5 years if he is crying poor w/ 100K of debt in a 50K job, I am not going bail him out of his own mistake. I knew plenty of people that went to ‘lesser’ schools for free, and those who went to expensive schools with zero aid and f’ed themselves for life’. The former are a lot happier and chiller than the latter.
But you know what, if my nephew suddenly has cancer and has to drop out and has 50K of debt from his choice, I’d probably feel pretty bad for him and help him out. Sometimes shit does happen that is beyond your control.
- Comment on Anon tries to understand credit scores 7 hours ago:
cool. keep telling me how stupid I am. I have seen that 20K become 45K over the past 5 years.
- Comment on Anon tries to understand credit scores 8 hours ago:
all that matters is the value when you cash out. if you are sitting there agonziing about an assets value month to month you’re doing it wrong.
- Comment on Anon tries to understand credit scores 10 hours ago:
the market hasnt’ gone down in like 15 years dude.
- Comment on Anon tries to understand credit scores 10 hours ago:
I don’t think I was super human and I had zero issues saving $1200/mo on a 2k/mo salary.
but i lived with multiple roommates, ate cheap food, and didn’t party.
- Comment on Anon tries to understand credit scores 12 hours ago:
that’s cheap.
- Comment on Anon tries to understand credit scores 12 hours ago:
you can’t afford a car if you only saved up 10K over 3 years.
- Comment on Anon tries to understand credit scores 12 hours ago:
it’s fine to finance a car you can afford. it may even be benefincial. i can take aout a 20K loan at a near 0 apr, i can take that 20K and invest it and get a return on it. which is better than dumping it all at once into a depreciating asset.
the problem is that people fiance cars they can’t afford.
- Comment on Anon tries to understand credit scores 12 hours ago:
because that’s weird. that’s not a situation most people would have.
the card they got as a kid would be a shitty card with a very high APR. any smart person would dump it and replace it with a better card.
- Comment on Anon tries to understand credit scores 12 hours ago:
most of the comments on this thread are paranoid ramblings of ignorant people who think the credit system is a conspiracy against them.
- Comment on Anon tries to understand credit scores 12 hours ago:
because you deeply misunderstand it.
it basically lets lenders know if you have a history of paying back your loans or not.
it’s that simple. and in the USA medical treatment often requires loans.
- Comment on Anon tries to understand credit scores 12 hours ago:
yep. basically it’s to determine if your a deadbeat or not
- Comment on Anon gets enemy zoned 12 hours ago:
cogito ergo gay
- Comment on Anon questions some decisions 3 days ago:
The precedence in Netanyahu trying to stay in power.
- Comment on Anon questions some decisions 3 days ago:
ignoring context and facts is a big part of the over simplified ‘usa is evil’ narrative that many here are hopelessly wedding to.
the concept that international politics is about power… and not morality is really beyond most of the moralizing lemmites who seem to think somehow if they were in charge everything would be peace and harmony. or china and russian aren’t also imperialistic powers.
- Comment on Anon questions some decisions 3 days ago:
it’s oil and rare earth… but also the pretext if maduro being a dictator is true.
- Comment on Why do people hate video games so much? 6 days ago:
I went to PAX many years, only place ever met such people, but even then there many were board game only snobs. There are a lot of board game snobs in my city, but they generally hate video games for being ‘anti social’.
- Comment on Why do people hate video games so much? 6 days ago:
anytime i mention that i play games it illicits are very negative/suspicious reaction. but if i say i spend 10 hours riding my bike or reading or going to restaurants that’s seen as worthy and legit. i guess i don’t see any of those as more ‘constructive’ than any other activity.
- Comment on Why do people hate video games so much? 6 days ago:
I’ve never met anyone what was pro video game other than on the internet. Even people who do play games I know only do so on the DL because they know it is a social faux pas.
- Comment on Why do people hate video games so much? 6 days ago:
that’s the other thing. hating video games is like saying you hate books, or anything on a screen.
it’s a medium with tons of genres and game play types that are often radically different. plus the ‘haters’ often do like games like guitar hero or dave and busters stuff.
- Comment on Why isn’t "Democrats would never get away with this" seen as a problem for the left?” 6 days ago:
there is no ethics in politics. there is only power.
the ethics is what the people in power say it is.
- Submitted 6 days ago to [deleted] | 19 comments
- Comment on Ergonomic keyboard + laptop? 6 days ago:
you can plug an ergo keyboard into your laptop
- Comment on Why isn’t "Democrats would never get away with this" seen as a problem for the left?” 6 days ago:
the left supports their own wallets too. everyone does.
nobody is voting to give their money away to other people.
- Comment on Anon thinks everyone should grow up 6 days ago:
OP discovers adulthood.
- Submitted 1 week ago to support@lemmy.world | 1 comment
- Comment on 1 week ago:
sounds like you went to a bad school. not all of us had that experience.
- Comment on Why isn’t "Democrats would never get away with this" seen as a problem for the left?” 1 week ago:
The right also supports all that. It’s just disagree about who should benefit and what the government should intervene about.