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Joined 1 year ago
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Cake day: June 17th, 2023

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  • Credit cards, for instance, are not required but extremely useful. For instance, my recollection is that when booking hotels or rental cars with a debit card they will put a hold on your account for collateral. This could be a problem if you’re living paycheck to paycheck. If you have a credit card, you may get a hold as well — but this is just reducing the amount of available credit. Functionally this is the same, if you have enough money, but if you’re living on the edge and your rent money is in your checking account, this is pretty unfortunate in the case if a debit card.

    Additionally, credit cards offer consumer protections, including chargebacks. My understanding is that debit charges are much more difficult to dispute.

    And, in the US, for many people not in urban centers, owning a car is essential for life/work. Quick Google search claims, in relation to savings, “The median balance for American households is $5,300.” So if your car bites the dust, buying a new (used) car may not be possible without a loan.

    You’re right though, it’s certainly not literally required.


  • Given the effect it has on credit score, it will perhaps be more difficult to accumulate debt — it will be harder to take out large credit card, mortgage, or other loans. Probably not applicable to medical and whatnot.

    In theory I think it makes sense: loans should be a privilege not a right, or something like that. But in reality, loans are essentially required for modern life, at least in the US. So the people who can least afford it end up with loans with ridiculous interest rates (even if the total loan amount is smaller than it would be pre-bankruptcy).

    I am fortunate enough to be able to pay off my credit card every month, so the interest rate doesn’t really matter. It’s a great, but dystopian, example of positive feedback: those who can afford pay less (no interest), and those who can’t afford pay more (interest).


  • qjkxbmwvz@lemmy.sdf.orgtoLinux@lemmy.ml*Permanently Deleted*
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    11 months ago

    On my Mac running yabai it sometimes gets into this weird state where the mouse does this as it toggles rapidly back and forth between some windows. No idea what causes it…

    On Linux I run i3 which kinda negates the need for the mouse finder since it will move the cursor to the active window.

    I guess I didn’t remotely answer you question though!





  • I get that it’s a meme, but what’s the problem? I’m vegetarian/flirt with veganism; it’s purely for moral/ethical/environmental reasons.

    Indian food is delicious. An Impossible burger on a pretzel bun dripping with grilled onions, avocado, vegan aioli and mustard with a side of steak fries? That’s also delicious, in my opinion.

    Meat is delicious, and that’s not at all incompatible with my reasoning for being vegetarian.