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Joined 2 years ago
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Cake day: June 14th, 2023

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  • You just tanked your credit score by a lot. There are two aspects about this that matter:

    Each one of those approvals required the credit card companies to pull your credit score from the major credit reporting agencies, and a lot of credit inquiries very close together will cause your score to go down. This is not so bad, as those will only weigh on you temporarily.

    The worse one, however, is account age. Opening so many lines of credit has lowered your average account age by a ton, as you now have many accounts on your credit history with 0 years, so you are going to see a big drop because a lot of what makes up for a good credit score is how long you’ve maintained good credit (which means using it and paying it off on time to prove you can actually handle being lent money) and how much credit diversity you have (mortgage, auto loan, credit cards, etc.) .

    The good thing is that both of these blunders will go away with time. How long it will take to get you back up to 830, well, I can’t quite say.

    Like, this isn’t as bad as a bankruptcy is for your credit score, don’t get me wrong, but you’re going to need to start reading the fine print on these very carefully moving forward, because you can’t afford to keep signing deals for credit cards and not knowing exactly what the terms are. If you didn’t know what the credit limit was up front, you probably weren’t paying attention to things like APR either and that makes a big difference. Why did you feel the need to get a new credit card anyway? It sounds like you had no issues building credit before.


  • Classism is present in Russia too.

    I watched a couple of YouTube videos from a normal guy who lives in Russia talking about what it was actually like to live in Russia around the time that Tucker Carlson did that weird state visit and he peeled back a layer of intentional propaganda that the American journalist was spreading - that Russians are living in some kind of luxury paradise. Sure, everything costs less over there, but people are also paid a lot less too. If you’re working class, it’s hard to afford enough food to put on the table sometimes. The rich, however, are not hurting for anything and a lot of big brand labels that said they would exit Russia just rebranded themselves or quietly re-entered the market after all the commotion about the war died down.


  • Nothing. I can see the future and I see what everybody is refusing to believe - Trump will not be gone in 4 years. Congress can’t hold him to account (because half of them are collaborators) and the court’s orders can’t be enforced. Best we’ll get is a stern tut-tut from Democrats while more and more rights will slip away at an alarming pace. Sure, the constitution SAYS you have the right to certain things, but if Trump violates those rights by ordering people below him to carry out unconstitutional acts, who will come save you? Not congress, not the judiciary, not the SCOTUS, not the police, not the military.

    We’re fucked. It’s over.


  • There’s nothing that says Presidential Pardons need to be in writing. Biden just had to direct the right people to offer a pardon to an individual which can then be accepted or declined. That can be verbal, electronically communicated, or in writing, but a signature from the President is just a formality and definitely not required, so the autopen/esign argument is a totally dead argument.

    Just more criminal conduct from the felon in chief.



  • I have had plenty of painful moments, but a recent one is that my parents just don’t seem to understand that the first result on Google is an advertisement and that they shouldn’t be clicking on it. They literally can’t see the difference between a sponsored search result (which can often be a bad faith actor or a scammer paying to get their result to the top of the search results) and a genuine link to the real site they were trying to reach.

    I have tried installing adblockers for them, but they end up disabling them for certain websites that require popups to be enabled and then they never re-enable it again and end up clicking on bullshit links.





  • Take note: All Zelenskyy was asking for was what kind of guarantees the United States could provide in exchange for the mineral deal. Trump and Vance either could not or would not answer the question and made buffoons out of themselves.

    Ukraine should not sign. USA under Trump will betray them at the first chance he gets. Getting support from mainland Europe would be more likely to see lasting peace, especially when Russia has been on the back foot for months now.