this post was submitted on 20 Aug 2023
698 points (96.8% liked)
Asklemmy
43771 readers
1465 users here now
A loosely moderated place to ask open-ended questions
If your post meets the following criteria, it's welcome here!
- Open-ended question
- Not offensive: at this point, we do not have the bandwidth to moderate overtly political discussions. Assume best intent and be excellent to each other.
- Not regarding using or support for Lemmy: context, see the list of support communities and tools for finding communities below
- Not ad nauseam inducing: please make sure it is a question that would be new to most members
- An actual topic of discussion
Looking for support?
Looking for a community?
- Lemmyverse: community search
- sub.rehab: maps old subreddits to fediverse options, marks official as such
- [email protected]: a community for finding communities
~Icon~ ~by~ ~@Double_[email protected]~
founded 5 years ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
Was coming here specifically to say credit scores. Oh what’s that you paid off your student loans? Here have a big credit hit as a treat. Oh you’re using your credit? Here have a credit hit even tho you’ve never missed a payment. How dare you use the credit you have??
Why would paying off your student loans give you a credit hit?
Edit: lol who is downvoting this I legitimately didn't know the answer
Length of credit and credit utilization, you get points* for the length that each account has been open, so when you pay off your loan the account is closed and no longer counts. Also as you get to the end of the repayment it shows as a $30k account that you owe les than $10k on, you get points for using less than half or less than a third of the credit available to you.
*You don't actually get points, that would be too easy to understand, you get factors that affect a complex equation in your favor.
Credit scores are in part based on the oldest line of available credit, which for most people are their student loans. Pay those off, your oldest line of credit becomes something more recent, and your score goes down as a result
Even better if you use Experian: give us access to all your spending data or else you'll never see a score increase again (source: been dealing with this for three years while Equifax continues to go up. I feel like they're doing something illegal, but they probably already were and nobody cares.)
I agree with everything but voting. Not because we ever have great options, but because sometimes there are terrifyingly bad ones, and while option A might not be at all good, option B is so much worse.
That's why it's called "the lesser of two evils."
The problem is that they aren't two evils, they're two parts of the same evil machine whose functions are mutually dependent and mutally reinforcing
"The United States is also a one-party state, but in typical American extravagance, they have two of them." -Julius Nyerere, first president of Tanzania
You don't seem to know what "lesser of two evils" means.
It doesn't mean "that guy's bad, so the less evil guy is good, actually, and totally deserves our support!"
It means "no matter which one of these assholes wins, I'm fucked, but if I'm lucky the one guy will use lube."
I can't do a damn thing about the two party system. That ship sailed before I was born, and nothing I do as an individual can change it. In fact, I can't see a solution short of possibly violent revolution. If that happens before I'm to old and feeble to help, great. Other wise, I'm fucked no matter who I pick, so I'm sure as shit going to pick the one who just wants to fuck me and not fuck me plus kill my trans neighbor.
I'm sick and tired of being called stupid, gullible, or uninformed just because I can actually see how completely fucked we are. Your shit is great for people who still have hope. My shit is just trying to survive without the Gestapo coming for my neighbors.
So come get me for the revolution. In the meantime, stop calling me stupid for being depressed and practical.
Now if you'll excuse me, I need to copy and paste this in reply to some other lemming that thinks I'm a gullible moron instead.
Yes, they do, they were trying to explain to you that it's a scam and only serves to move the nation to the right. Everybody understands "lesser of two evils" we're all browbeaten with it our entire lives.
You don't seem to know what "lesser of two evils" means.
It doesn't mean "that guy's bad, so the less evil guy is good, actually, and totally deserves our support!"
It means "no matter which one of these assholes wins, I'm fucked, but if I'm lucky the one guy will use lube."
I can't do a damn thing about the two party system. That ship sailed before I was born, and nothing I do as an individual can change it. In fact, I can't see a solution short of possibly violent revolution. If that happens before I'm to old and feeble to help, great. Other wise, I'm fucked no matter who I pick, so I'm sure as shit going to pick the one who just wants to fuck me and not fuck me plus kill my trans neighbor.
I'm sick and tired of being called stupid, gullible, or uninformed just because I can actually see how completely fucked we are. Your shit is great for people who still have hope. My shit is just trying to survive without the Gestapo coming for my neighbors.
So come get me for the revolution. In the meantime, stop calling me stupid for being depressed and practical.
Now if you'll excuse me, I need to copy and paste this in reply to some other lemming that thinks I'm a gullible moron instead.
Ugh. I'm not pro establishment. People who are pro establishment think it works. People who are pro establishment have hope
Where the fuck did you get that out of what I wrote? Do I sound hopeful? Or like I think the system in any way works?
Or is that just your canned response when someone disagrees with you and you can't think of a decent comeback?
Is that what you kids call a "cope"? It sounds like a "cope". My generation just calls it "What the fuck are you even talking about?"
I just continue to legitimize the establishment in word and deed.
How. How am I doing that? I'm too tires to fight you, I'm just looking for information at this point.
The two Party system will only go of you get rid of the "winner takes all" system.
this is some scary logic if you think about it. Imagine you are a person, who doesn't want to get fucked. Two guys are about to fuck you, even though you don't want it, and you get the option to choose which guys fucks you even though you don't want to get fucked?
oh but the one guy is gonna use lube. To fuck you. The person who doesn't want to be fucked.
that's insane.
If we want better options we can vote for third party candidates. I have no faith in the system, and a third party candidate will almost never win. But if enough people vote for them it gets them more recognition, which could eventually shift the narrative. Gary Johnson got over 3% of the vote in 2016, and Ross Perot got as high as 19% in the 90s.
Okay. But if the people you vote for can only muster 3% of the vote, how does that help?
I get it in local elections, up to and including State legislature, gubernatorial races, and maybe Congress if they can get a good campaign going. That all makes sense because even if they don't win they get enough attention to attract local media and push discussion among others.
But Senators? The President? Ross Perot was an extreme outlier. The last time a 3rd party presidential candidate got more than 50 electoral votes was 1912 when Teddy Roosevelt ran as a Progressive. In the last century, the highest total electoral votes for a 3rd part went to George Wallace in 1968 running as an American Independent. He got 46 out of 538. Rounding up, that's 9%.
Now, without looking him up, tell me one issue George Wallace ran on in 1968.
So I'm asking: how does it help. If it helps, I'll try. But from where I'm sitting, it's all hopeless. I don't want to feel this way. So please, for the love of sanity, convince me.
I feel this way too. But if we as individuals recognize that the system is going to screw us no matter who is elected, then if we vote it might as well be out of principle. Have you ever shared a fact or opinion or taught someone something, and later noticed that it changed their behavior in some small way? Someone on the internet might see Perot's (or more relevant, Gary Johnson's since it happened only a few years ago) vote count on Wikipedia and it could lead them down a rabbit hole that ultimately gets them motivated to take initiative in the local community. So yeah, I feel you, at the federal level it's hopeless. I think the real change will happen within families, friends, and local communities.
I'll guess ending the Vietnam war...
Based on the year, that was a good guess. But nope. It was pro segregation.
Which brings me back to my point. If:
what's my choice from a moral standpoint? You mentioned Gary Johnson. You couldn't have paid me to vote for him. The Green Party is closer to my value set, but their idiot said anti-vaxxers might have a point (among other takes, not least of which was a seemingly complete misunderstanding of how economics work), so that would have been a no-go too.
And nobody was talking about ending the punative justice system, federal bans on cash bail, demilitarization of the police and radical law enforcement reform, legal protection for LGBTQIA+, ending first past the poll elections, massive education reform, or (outside of the Green party) anywhere near the investment we need in green tech and fighting global climate change.
So I voted for the one that a.) had a chance of winning, b.) wasn't specifically speaking out against most of that stuff and was at least paying lip service to some, and c.) wasn't a cretinous rapist; she was just married to one.
That was voting my conscience. The cretinous rapist won, but that's not on me.
So when you say to vote on principal, okay. I'll do that. I will do my best to vote for people I agree with or, at least, against people who spout shit that makes me want to vomit.
But that's what I was already doing.
Edit: changed out a word for clarity and to reduce repetition.
How are sports a scam?
Sports are a scam because it distracts people from discussing politics yet voting and democracy is a scam? Not a very compelling argument.
How is the concept of democracy a scam?