Drop St. Patrick’s saltire while you’re at it.

That’s good to hear. Zines are a part of my youth I look back on fondly. I’m glad they’re still around, and surprised, I would have thought being online all the time with all the self publishing options available would have killed them.

Are the kids these days still doing zines? Like actual physical ones, not online? I used to love contributing to those, and reading them, back in the 90s.

Archive link

Come on dude, do it yourself. Don’t make someone else do it.

Hell yeah. Too many people sleep on the socks from the business class amenities bag too. Put those on, then at the end of your nine hour flight putting your socks back on is like a fresh pair.

I do think a lot of things called pizza should be called flatbreads or something, but this is the first time I’ve ever expressed that opinion. It’s just not that important.

You’re only misunderstanding them because financial literacy is so poor that there are widely held, but ridiculous, theories on what makes them move. And you have no reason to know yourself, you just hear the misinformation.

It’s pretty straight forward. When you’re 18 and obviously don’t have a history, any credit card you can get will have a low limit and you will probably need a co-signer for something like a car loan. After you demonstrate that you use these things responsibility, your limits go up, you qualify for things on your own, and your rates go down. Your credit report is just a list of these things and your score is just so lenders don’t have to read the whole thing. But they can: before medical debt was removed from these it was common for a lender to see a low score, look at why, see your only black marks were medical related, and issue an approval anyway. Many big issuers even get their own special scores tailored to their business so they don’t even have to do things like that.

We don’t have gov. sponsored restructuring but we do have a court process called bankruptcy, and there are a couple different kinds, where you can get debt beyond your ability to pay wiped out, with some restrictions. This disappears from your credit report after seven years, but it doesn’t mean you can’t get credit in the meantime, just less and higher rates.

It’s nothing more than an objective history of your credit usage so approvals aren’t subject to the whim of the issuer.

I’m still not following. You said “we just mark if there’s any default on earlier loans and then evaluate on individual basis (in-person) if so”, but now you’re saying “your actions with regards to how you pay or how many loans you have or if you do or do not have a credit card… none of that changes your situation”.

So are you evaluated on past behavior or not? If you are, how is that different than a credit report? If not, how is it determined if “you (either) get loans or you don’t”?

It’s also “not something people here have to think about” here also, you might check it every now and again to make sure there isn’t anything you don’t recognize that might indicate identity theft, but that’s it, unless you get turned down. I expect people where you are would also think about it if they’re turned down.

There are many paths to earning profit for a credit issuer. Debt traps are one of the more predatory paths. Some credit issuers want to issue high rated bonds that provide low, but safe, income over a long period. Some don’t get profit from interest at all, high-end reward cards, for example. I haven’t paid a penny of credit card interest in decades yet I’m issued cards that provide me with over $20k in benefits every year, these companies make almost all of their money off swipe fees charged to the merchants and partnership deals.

It absolutely is “a measure of how likely are you to pay off your debt”, because that is “a measure of how likely you are to earn creditors money.”

It’s not some grand conspiracy. It’s a record of previous behavior to predict future behavior to determine if you fit their business model.

I’m sorry, I don’t think I’m following. Because it sounds like you’re saying you have a computerized database that keeps track of the credit you have and whether or not you pay on time, but, despite that, you don’t think you have a credit scoring system. Is it just because whatever system you have doesn’t have a number attached (that you know of)? If so, do you think that’s functionally different?

And the reason is because your mix of credit changes. The formula says you’re lower risk if you use more types of credit responsibly. Having a mortgage, a car loan, and some revolving credit is better than just two of the three.

We used to do that too. If you wanted any kind of credit, mortgage, car loan, personal loan, business loan, etc.: you’d go to your local bank branch and apply in person (or maybe get it at a car dealership or other business offering payments) and they would evaluate you on previous business, in theory.

What actually happened is if you walked in with the wrong skin color, went to the wrong church, didn’t play golf with the right people, etc. you wouldn’t get approved. Now we have an objective risk assessment formula; the development of which has been a great improvement for marginalized groups.

It doesn’t sound correct because it’s not. Financial literacy in the U.S. is awful and the ridiculous misconceptions about credit scores that propagate are one symptom of that.

I don’t even understand the words. I’m trying to figure out if he thinks it’s bad that they put something special in a generic carafe, or good that they used something “modern”?

I’m leaning toward the latter (and disagree, seems like it would detract from the experience, but in the end, who the fuck cares?), but I’m not sure.

I read this and for two seconds I thought “Oh, someone with some empathy and morals that shouldn’t be doing this, how nice,” then I remembered what species I’m a part of.

I use Voyager and a lack of instance name, either on users or in communities, means it’s the same as mine.

Do you see any that say .world, or just others?

It’s just about what you can see, and who can see you. For maximum content and interaction pick one that defederates, and is defederated by, as few instances as you can find.

Some good ones to try: Lemmy.zip, startrek.website, and lemmy.dbzer0.com, but maybe wait until this blows over to commit to dbzer0 unless you’re cool with losing federation to .world, I understand there is a lot of stuff there.

I’m on my ninth Lemmy account, I ditch them after I think I’ve dropped a few to many PII breadcrumbs, I’ve used all of these multiple times and they’re all good.

I started on .world like you, but now that you’re here there is no reason to let .world mods curate your experience.

Also, you can always maintain multiple different accounts.

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