subignition @ subignition @fedia.io

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2 yr. ago

This tangent you've been dragged on is so, so irrelevant to the thread, but I wanted to chime in with a couple bits of info that might be genuinely helpful to try to counterbalance the "lmao u doin it wrong and lyin" troll

First - Even if you pay your statements in full to avoid interest charges, the amount of utilization on the card at the time the report is made to the credit bureau is what affects your score. As silly as it seems, even 10% utilization can bring your score down. I have seen it recommended to stay under 8% or around 6%. So one thing you could do is make a payment a couple days before your statement period ends to fine-tune the balance down to something that will look attractive on your credit report. If you are already able to pay things off in full, this should be doable with minimal shuffling around. Utilization doesn't have "memory" so one bad month is not going to drag your score down for a long time.

Second - If you have or can get a credit card with a decent cashback or rewards program, you might be able to put some of those larger transactions on the credit card and come out ahead even with the fees. This is going to be highly sensitive to the specifics though and the card usually needs to have no annual fees or it eliminates the possibility.

I hope you replied "you're next."

Still complicated enough to melt the brains of bigots like they're the Wicked Witch of the West

I think the distinction they're trying to make is that whether or not a given speed feels unsafe on a road doesn't necessarily correlate with whether it actually is unsafe.

mario riding yoshi korea

There is no situation where something is not abusable. doesn't mean you cannot have that thing. It means you figure out how to improve the consequences for the abuser.

Really showing off your capacity for nuance in that comment

Walking is a normal thing that every able-bodied person should be doing plenty of every day - assuming that this basic act must be "trying to better themselves" is condescending and infantilizing IMO.

Even if it's annoying now, future you will miss the lost youth later! I can imagine it being annoying when dating though especially if you're more mature than most of the people you attract

i need more of this dave vs. john AU

Should probably plan for the worst case scenario where that trade is eliminated and mitigate it elsewhere as best as possible. America's leadership has become cancerous, and figuratively speaking, leaning into their isolationism and letting them starve themselves out as a consequence of not understanding how economic globalization works is probably the best shot at real change.

I've been thinking about switching lately because as this phone gets more updates it keeps gradually getting more annoying. Only trouble is my carrier is Google Fi right now and I don't know if I can reasonably continue using that on Graphene without privacy concerns.

Though, I originally started using it only because it was cheap. I could probably afford to shop carriers soon.

Not being forced to have Google shit in your phone is half the entire point. There are alternatives for nearly everything they do that aren't evil.

Working as intended to maximize new debtor creation. 🙄

Great. Just what we need. AI controlled swarms of militarized drones.

Oh no. Anyway

So, this magazine isn't one of the ones that has a hard prohibition on rephrasing headlines, from what I can tell.

You could simply edit the title to better reflect the actual content of the article.

Which, incidentally, is what not bottling it up means.

It's gotta go somewhere, the tough part is finding an appropriate place that isn't back at yourself.

Citizens not having guns is not going to stop criminals from having guns

Have you ever been far even as decided to use go want to do look more like?