partial_accumen
@partial_accumen@lemmy.world
- Comment on TIL that in 1996 they made a USS-Defiant CD player 1 day ago:
If you owned one of these and it broke it would have been replaced under warranty, but instead of shipping you another USS Defiant CD player, they’d send you a USS São Paulo CD player. You could still call it the Defiant after-the-the-fact, but deep down you would know it wasn’t the same.
- Comment on Le boo hoo 1 day ago:
On your last note, I agree with you that empathy is important. I do give a shit what other people think and feel, but not when they are clearly line stepping, judgmental, and disrespectful. When they do that, it just proves it is time to move on.
I was mostly referring to empathy for the groups of men that want the show emotions for sports.
However for the shitty people we are dismissing, I can show empathy buy understanding about the different socio-economic condidtions that likely make them into a raging homophobe or toxicly masculine asshole, but I in no way forgive them or condone their behavior. Understanding is a part of empathy, but it doesn’t have to follow that those that are disrespectful of other are to have that behavior be tolerated.
- Comment on Le boo hoo 1 day ago:
It’s usually pretty subtle. People will quietly lose respect for you and shut you out over time, or just gossip about you behind your back.
Oh okay. I suppose that might happen more often but there are trash people everywhere that do shitty things like that based upon race, sexual preference, etc. I don’t spend any time sorting them into different groups before I dismiss them and ignore them.
That being said, I dont give a shit about people’s perception of my manliness or sexuality.
Yep, that’s my same state. As such, I don’t feel I have a need for a “safe space” in sports to express my emotions. I have no problem with other men expressing their emotions in sports spaces either, I just personally have that need for a defined space.
I’m often DISAPPOINTED in people for how they react and judge sometimes, but always happier when those people remove themselves from my life. I don’t fawn after the approval of random assholes, be they male or female, and I never let it affect who I am. That’s what manliness actually is about: self actualization.
I agree entirely. Just to note, self actualization absolutely also encompasses “empathy” as well, and that, in my mind, is one of the most important aspects. Knowing yourself means perceiving the world and those around you, and understanding the impacts of that world on others, and the impacts we each have on those. I’m pointing this out because what it looks like we’re having here is ultimately a discussion on empathy.
- Comment on Le boo hoo 1 day ago:
Men are often sanctioned by women when they show weakness.
I’m a man. It is extremely rare for me to experience this firsthand. I can count on one hand how many times in my entire life, and its been decades since the most recent time/ Even then it wasn’t criticism from a woman was close to me.
- Comment on Anybody else do this today? 2 days ago:
This kind of thing used to stress me out. It took me awhile to finally find peace but it comes down to this:
We all know what Uncle Ben told us that ‘With great power comes great responsibility’, and while that’s true it also must follow that ‘With little (or no) power come little (or no) responsibility.’
The systems in place have taken nearly all power out of your hands to fix the situation yourself. If you had (even temporary) admin access available to you, you would have fixed the situation yourself in a few minutes and completed the task. However, the systems around you are designed to limit your abilities, and channel you through narrow support paths that they themselves are limited in what they can do.
You responsibilities are to properly identify the need for support and follow the path (no matter how inefficient), and notify your direct boss of the situation that is causing the delay for the deliverable. You did 100% of your job here. No, it shouldn’t be this hard to get this thing done, but it is, and its entirely out of your control. Because you have little to no power to fix the system, you have little to no responsibility for the problems it produces.
- Comment on 29 years since our homecoming queen was taken from us 3 weeks ago:
I know, right? Save the cheerleader, save the world! /s
- Comment on Political leaning 3 weeks ago:
Don’t forget the controversy around Leo Trapeze before he was exiled.
- Comment on Political leaning 3 weeks ago:
Carl Mark is like the dollar store version. Everyone remembers when Carl Mark and Fred Angles wrote the Kommunist Metafisto.
“Mom can we have Communism?”
“We have Communism at home.”Communism at home: Carl Mark
- Comment on Political leaning 3 weeks ago:
I had to read it three times to realize “mow” was “Mao” (Zedong).
Also I think reading it that many times has caused me to have a stroke.
- Comment on Judge scolds Mark Zuckerberg's team for wearing Meta glasses to social media trial - CBS News 3 weeks ago:
How often do these people wearing these forget they have them on when they go to the bathroom?
- Comment on Anon is a nice guy 1 month ago:
one day get super pissed off
This was the moment anon decided that their own value was greater than the perceived versions anon had manufactured in his head about those other people. He was confident he was worth more than those manufactured constructs. Everything after that were expressions of that confidence he had in himself.
Confidence is attractive. Now it can go two ways though:
- Benevolent confidence - where you are kindhearted and you wish to build others up because you see no risk to yourself in doing so.
- Malicious confidence - where you tear others down because you see everyone a risk to yourself.
Both can lead to success by varying definitions of the word, but I know when I get to the end of my life I’d much rather hae arrived there on a path of benevolence.
- Comment on [deleted] 1 month ago:
In Lemmy, if you put two spaces after the last letters, THEN go the next line it will make the vertical list you want
This text has two spaces after
This text does too
This text does not This text does notOdd markup, but here we are.
- Comment on If only 1 month ago:
(this may not apply to burning music, I usually burn PSX games)
The original 23 wire modchip installation was not for the faint of heart.
- Comment on How do I feel comfortable/safe going outside by myself after being so used to have parent(s) be with me outside most of my life? 2 months ago:
So like… I feel scared about the idea of like… just going for a walk all by myself…
How about making a list of the things you think would possibly happen to you going for a walk by yourself that would justify being rationally scared. Then go through the list and consider even if each event is possibly, how probable is it? I think you’ll find that that things you’re most afraid of are the least likely to happen.
Now as a comparison, make a list of all the things that could happen to you staying at home. Another list of all the things that could happen to you being driven to your destination. Assign realistic probabilities to each event. I’m guessing you’ll find that the probabilities of bad things on each of these three list will all look pretty equal. If they are equal, then going for a walk is no more dangerous that staying home or being driven somewhere.
In a sense, if you’re afraid to go for a walk, you should be equally or more afraid of going for a drive or staying at home. As such, its not more dangerous to go for a walk than the other option.
- Comment on Do you think Google execs keep a secret un-enshittified version of their search engine and LLM? 2 months ago:
Its also possible we’ve reached the limits of the training data.
This is my thinking too. I don’t know how to solve the problem either because datasets created after about 2022 likely are polluted with LLM results baked in. With even a 95% precision that means 5% hallucination baked into the dataset. I can’t imagine enough grounding is possible to mitigate that. As the years go forward the problem only gets worse because more LLM results will be fed back in as training data.
- Comment on Days after Christmas are confusing 2 months ago:
We have 4lbs of honey baked ham to go through. I’m eating a lot of ham.
- Comment on Anon tries to understand credit scores 2 months ago:
In mainland China, probably not tolerated outside of like the context of museums. Idk about the laws, but at the minimum, cops will probably visit you and “have a chat”
Gotcha, that’s closer to what I had thought.
I’m Chinese-Amercian, I was born in Guangzhou, but I’m no longer PRC National anymore so I don’t give a shit what mainland nationalists think. I think ROC flag is fine overseas…
Oh certainly! It was not rare when I visited Flushing.
- Comment on Anon tries to understand credit scores 2 months ago:
是吗? I wouldn’t have guessed that. I didn’t think ROC flag was tolerated well 在 大陆. I still have a lot to learn about the culture.
- Comment on Anon tries to understand credit scores 2 months ago:
There was some conservative user a while ago on lemmy that thought I was a “Chinese Bot”/“Scammer”
Clearly they were an idiot too because if they knew anything about China, they should have seen the Taiwanese flag and known were you not from or supportive of the PRC. Seriously, people need to pick up a history book now and then. There’s a good chunk of American history mixed in there too with how Taiwan came to be (or stay being a nation).
- Comment on Anon tries to understand credit scores 2 months ago:
One arguably unjust part about credit scores is that the actions of people related to you, or simply sharing the same surname as you, can affect it! E.G i have heard that a friend-of-a-friend’s dad took out too many loans and now their credit score suffers.
You’re mixing things here that led you to a wrong conclusion.
Credit scores are based upon credit events. The credit events come from your credit report which is separate from your credit score. The only things on your credit report should be your credit events. Not someone with the same name, nor someone from your family. If either of those things are on your credit report, that is and error you need to go through the paperwork process to get those removed from your credit report.
- Comment on Anon tries to understand credit scores 2 months ago:
Having said that, it’s hard not to feel that these rules have been semi purposefully left vague so that people take the wrong actions that will cost them extra money
This sounds like perhaps you believe this is an intentionally convoluted process designed to trap people. Like it is a set of financial gymnastics that borrowers must learn and perform before getting a loan.
I don’t think thats the case or the origin. I think its much more likely that, prior to FICO scores, lenders went looking at people that successfully pay on debt and then started analyzing those borrowers choices. They found those that were successfully followed a set of behaviors, and then Fair Isaac (the company behind FICO) created a FICO score (there are actually a whole bunch of different FICO scores) baking in those behaviors.
I will admit that companies that have no business using credit scores are now using them for various other aspects of life, but that wasn’t the intent for FICO scores to begin with from the outset.
To add on-top of that, I feel like this system, and most systems around this, are all setup to work great for the rich and the “providers” and just plain less good for us. It’s almost like a casino in that the house always wins
The truly rich likely don’t have to deal with FICO scores as the lending products they’re using are asset based anyway. I will say that this system is NOT designed to help borrowers. Its not meant to hurt them, but its certainly to let lenders know who has a better chance of servicing a loan or not.
- Comment on Anon tries to understand credit scores 2 months ago:
No joke, I’ve had a car dealership tell me they can’t sell me the car I want because my credit score was nonexistent (no credit history in 7 years). I was paying in full, in cash, literally in an envelope in my hand.
There are car dealers (especially at the low end of used cars) that don’t make money selling cars. They make money with horrible debt and payment terms trying to trap vulnerable people. The worst of these dealers may end up “selling” the car 2 or 3 times repoing it each time when the buyer can’t pay.
So its first possible that this dealer didn’t want to sell you a car for cash because its against their business model.
Grand total of 8k, all in 100s, super easy to count.
$8k in cash is super sketchy for a single purchase. Its untraceable and that sets off fraud alarm bells. The dealership also may not be set up to deal in large sums of cash like that lacking the security to do so. Lastly there are laws at the state and federal level called KYC (Know your Customer) for some transactions that require the seller to verify the money is legit. With cash, thats nearly impossible.
You might have had more luck showing up with an $8k cashiers check or offering an $8k wire transfer from your bank. Both of these are exempt from lots of regulations (because there’s a paper trail) where cash would not have that luxury.
But no, I didn’t have a “good enough credit score” so I couldn’t buy that car from them, despite having the money to do so. Mental gymnastics on that one.
I’m guessing that was just an excuse to not sell to you because either they’re the sketchy dealer (that likes to sell loans not cars) or they thought you were super sketchy as a buyer.
- Comment on Anon tries to understand credit scores 2 months ago:
Paying your utility bills on time for your whole life will not raise your credit score one point.
FICO Credit scores measure exactly one thing: How good are you at regularly paying on debt over time? Thats it.
Utility bills are generated and cleared every month (assuming you pay). If you got in a financial jam, you could probably lower how much HVAC you use or lower your water usage while times were tight. You can’t do that on installment loans. The full loan payment is due every month. Utility bills are not a great measure of the ability to regularly pay on debt over time, which is what FICO scores measure.
- Comment on Anon tries to understand credit scores 2 months ago:
There are a lot of bad answers or misunderstandings about credit scores in this thread.
FICO Credit scores measure exactly one thing: How good are you at regularly paying on debt over time? Thats it.
There are some other companies that take your FICO score and make their own determinations from it, but those are not the intended purpose of a FICO score.
ANON is also saying “x raises” or “y lowers” but he’s missing one other part. Some of those raises and lowers are temporary meaning for a couple of months only, and those don’t have years long impacts.
Most of the big moving pieces are publicly published right on the FICO website too, so you don’t have to guess:
So lets look at ANONs complaints through the lens of what FICO scores address:
Using credit lowers your score
I’m assuming ANON means “using a portion of an already established credit line.” We can see in the chart that this would increase the red segment of the FICO score. FICO assumes the closer you get to your maximum credit availability, the more you’re being squeezed financially reducing your ability to pay on all of your debts. From a lender’s perspective, if your debts are piling up, then lending you more is a higher risk.
Not using credit lowers your score
If ANON means “using zero credit” then, yes, ANON wouldn’t have a recent history of paying on debt then the Payment History section of the graph would be thin or empty. From a lender’s perspective, if you haven’t paid on any debt in the last 6 months, how do they know you still have the ability to do so if you want credit right now?
Paying back late lowers your score
Absolutely! Its violating the very purpose FICO is made to measure: How good are you at regularly paying on debt over time?
Paying back early lowers your score
This one is a yes or no depending on what scenario ANON is talking about. Paying back a credit card early DOES NOT lower your score. In fact, it would likely RAISE your score. Paying back an installment loan, lets say for a car, early can lower your score, but not because its early, but because the load will disappear. Without a loan to pay on, you will have less recent history of paying on an installment loan for a car, and 6 months from now a lender may not know if you still have the ability to do so, so you score falls.
Even checking your score lowers your score.
ANON checking ANONs score DOES NOT lower your score. ANON allowing a lender to do a hard pull check does lower the score, but only a small amount 10-20 points and this is temporary about a month or two. Further, do several hard pulls at once, they don’t each lower by 10 or 20 points. If you do the pulls close together (within a week or two) it will be only the temporary lowering for a month or two. From a lender’s perspective if you’re reaching out for new lines of credit, it means you’re indicating you’re about to take on more debt which could affect your ability to pay on further new debts.
Taking out loans lowers your score
Temporarily, yes, but over time this can grow your score if its in a different loan type or length.
Paying back loans lowers your score
Yes and no, circumstances depending. If you pay back that one loan type lets say a car loan, and you have have no other installment loans, then you will have no more recent history of paying on any installment loans. However, if you have a mortgage which is another type of installment loan, you’ll take no hit for paying back the car loan as you will continue to have a recent payment history of paying on installment loans. You could take a hit because a nearly paid off loan looks good for the “Amounts owed” component of the score, but you could use a trick like getting a credit card of the same credit line (and not charge anything on it) to avoid that if you really need to.
Not taking out loans lowers your score
Not quite true. Having no recent payment history means a lower score, but it you already have some type of loan or credit you pay on every month, not taking out more loans will not hurt your score.
One final thought I really really want to dispel: YOUR FICO SCORE IS NOT INCREASED BY PAYING INTEREST ON CREDIT CARD DEBT!
Try everything you can to avoid carrying credit card debt into next month. Interest rates are crazy high and it does nothing to help you. If you put a purchase on a credit card, make sure to pay the full statement balance every month. If you do this, you’ll pay zero interest on any credit card purchases.
- Comment on DIY 2 months ago:
Everything is “sold separately” these days. The make kit doesn’t even come with the Spear of Longinus?
- Comment on Every Christmas I make sure to include a special message from Santa's little helpers. 2 months ago:
Its 2025. Write it in Mandarin for more authenticity. However, in another 10 or 15 years English will be applicable again though.
- Comment on at what point in life it's too late to go back to school? 2 months ago:
Sure, it can happen. The anecdote sounds ludicrous to me: gatekeeping someone with that much experience over checking a box like that.
This is surprisingly common in many industries. It was one of the reasons I went back and got a degree as a working adult. It worked and I was able to land jobs that had that requirement which was a springboard into higher earning work. It was so strange the first time it happened. I got a call from a old coworker I hadn’t seen or heard from in about 12 years. He was a boss then looking to hire for a lucrative position. We talked for a bit to catch up, he said I had the skills he wanted then almost as an afterthought he said “Oh, uh, do you have a Bachelors degree?” and I said, for the first time in an employment situation “yes”. His response was “okay, sounds good. Show up on Monday, you’ve got the job”. That was it. Without being able to say “yes” there I would not have gotten that job. In the years since, received that same question and gave the same answer in a number of jobs after than each with increasing salary and benefits.
Also, no one asks when you got the degree. Everyone always assumes you got it after high school as is done traditionally.
- Comment on at what point in life it's too late to go back to school? 2 months ago:
I’m currently getting my degree in my 30s to increase my earning potential as well.
I did what you’re doing now at the same age. I can tell you from the other side that it worked out very well for me. It was worth it for both the personal sense of accomplishment as well as the professional success. Keep at it! You’ve got this!
- Comment on at what point in life it's too late to go back to school? 2 months ago:
My state has free non-credit tuition at state schools for senior citizens. Part of my retirement plan is going back for more classes in whatever I find interesting.
- Comment on at what point in life it's too late to go back to school? 2 months ago:
Going back to school when you’re employed means debt, earning way less or nothing during your bachelor or master, stress, opportunities you’re not aware of because you’re simply not at your workplace anymore
Don’t quit your day job. Do school in your non-work hours. This is how I did it. I stayed professionally employed and I went back at 30 years old. I did school for about 3 years part-time to get a 2-year Associates degree. Because I went with Community College and did only 1 or 2 classes per term, I never had to take on debt.
I used that Associates degree and got a better paying job that also came with a tuition reimbursement program. It paid 75% of books and tuition up to a certain dollar figure per year (IRS limit). Again, because I was going to school part-time in my off-hours, I simply never exceeded that IRS limit to extra the maximum reimbursement. I finished by Bachelors degree before turning 40. Again, I graduated with zero debt because I kept my professional employment and used the tuition reimbursement benefit. With that Bachelors degree I was able to get an even better job which lead to significant pay raises in the years that passed.
So, I disagree with your original premise that going back to school as a working adult has to means unemployment, debt, and loss of income. I’m not going to say what I did was easy, but what I did a little while ago is also still possible today. I have a close friend that is a year older than me that got his Associates around the same time I did using the same “keep your day job, do school partime” method, but he didn’t start his Bachelors when I did. However, he did so later. He graduates, getting his Bachelors, in two months from now!
