• 4 Posts
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Joined 1 year ago
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Cake day: June 15th, 2023

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  • I use freetube on desktop and grayjay on mobile.

    Greyjay will also read from multiple sources, like patreon and nebula, and now including Bilibili, which is interesting to see content from. I think they have like a dozen sources that they are compatible with now.

    Both have had constant access to YouTube for over a year now. YouTube likes kicking off those third parties…

    Freetube will fall back to invidious instance(s) if YouTube fails to load. So even if YouTube is messing with them, you get something. You can turn that off if it gives you trouble.

    It’s a pain to manage my subscriptions across two different systems. But they both read and write to newpipe subscription streams, So I can export and import between them that way. Oh, and newpipe is another option for mobile. I’ve had problems with them, they tend to get blocked a lot. But I haven’t used them recently, they might be better now.


  • RedClouds@lemmygrad.mltoMemes@lemmygrad.mlAmericans be like
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    2 months ago

    Ehhhhh, kinda.

    Some credit card companies make their information more public.

    Almost all across the board take on-time payment history as their largest contributing factor of the credit score, 35% according to my report. This means that any missed payments on anything will dramatically reduce your credit score. These hits on your score last, I believe, five years.

    Next, at 30%, is only utilizing a small amount of your total credit. Now in such a case, you can get a very low amount of credit and use very little of it. This is fine. But if you’re going to use your credit card for actual things, which takes advantage of getting points and bonuses and yada yada, then you need a lot of credit. As someone with a $15,000 limit on one credit card, I am able to keep my credit usage by percentage very low.

    Next, add only 15% of your credit score, which is still big, but not as big as the others, is credit age. 0-2 years is only the starting place. Your credit age is average between three and seven years and it only becomes good when it’s over seven years. You can only achieve an excellent in this category with 25 or more years of continuous credit usage. This is by far the absolute hardest part of your credit score to increase. The best way to have a good credit score at a young age like in your 20s is if your parents opened one with you and put you on their good credit score when you were in your teens. This can be very dangerous for people who don’t have enough money to pay off their card every month and can spiral you into debt really fast.

    Having $50,000 or more in credit limit is optimal for the highest credit scores. Considering they do income checks when you apply for a credit card, you absolutely will not have a high credit limit on any one card unless you make a lot of money.

    Next and the smallest amount of effect on your credit score is new accounts and recent inquieries. This means you can’t go get a bunch of new credit cards all at once, or else your credit score will tank. And if you buy two cars and a house in one year, you should wait a good three years before applying for anything else, less you hit your credit score.

    Sorry for the brain dump. I had experience with this as a liberal and learned a lot about it. Just the high credit limit, old credit age, and low utilization requirements, means that basically anybody who is poor is going to have a hard time getting high credit.

    Mistakes at least do go off your credit history. I actually had defaulted on a loan when I was younger and really fucked things up and my credit score was garbage. But now it is routinely over 800 when I check it, and it’s been over 850 when companies have checked it. I got my morgage at 2.4%… Good credit is cheap to maintain once you have some money… But not impossible if you have less. Just really hard.


  • Yogthos answer is great, To add more context, and be a bit more negative… the credit score effectively incentivises spending a lot of money and taking out a lot of loans, and by taking out a lot of money and by paying them off, you get better credit, which means only the people who can take on big loans and pay them off get better credit. Basically only rich people have good credit, which means basically only rich people can buy houses and cars and things like that. It perpetuates a cycle for the rich getting richer and the poor staying poor.

    Remember, in America, houses are an investment. You can use them to collect rent and, in general, line should go up, so your investment will gain in value over time on average.


  • I am a totally real person who actually has bought land in China and knows that the government is extremely authoritarian.

    And it’s against the rules to lie in the internet and you can trust everyone for what they say… Certainly there isn’t any evidence of people lying on the internet…

    Thick skulls indeed…

    Go spread your fake conspiracy theory somewhere else, you fucking fascist. People here aren’t gonna buy your bullshit lies.

    You don’t own the land underneath your feet in America, But in China, at least the land is owned collectively.

    Oh, that’s right. In actuality, the government doesn’t own the land in China. The people do. The government just manages it for the people. So, in essence, every single person in China actually owns a part of the land they stand on. How interesting. Socialism is a very interesting system, isn’t it? And considering 94% of people own a home in China, I think their reputation for land ownership is significantly outpacing the United States reputation for land ownership.

    But as a totally real person who actually bought land in China, you already know these facts, don’t you?




  • Evs are awesome and way better than gas cars in 99% of cases. Then a greener grid will makes evs even better over time…

    But…

    It would take more lithium than is known to exist in all of our current mines to make the batteries for the cars in JUST north america (reference needed, sorry can’t remember where I heard this).

    Maybe if we had multiple technologies, started getting lithium from the ocean (expensive and may have bad side effects), and used hydrogen for all forms of transportation that it could be used for, because with cars it’s pretty unrealistic, but with planes, trains, and trucks its more realistic, AND we kept our range expectations low, and and and… then maybe we could get solid EV penetraion worldwide.

    But nah, the real answer is we need to rebuild our cities to have good public transit, put more batteries in bikes and scooters so less overall batteties are needed to move a person (including no batteries for bikes and scooters sometimes too haha), and all that energy can go toward running high speed rail and city streetcars (streetcars on steel rails, because its more efficient and lasts longer and is cheaper to maintain than roads).

    Sorry, long answer haha. Btw i was into evs before tesla made it cool, so i’ve just been thinking about this for a long time haha.