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this post was submitted on 20 Aug 2023
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Asklemmy
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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
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
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.
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.
Under the policies of the greater evil, billions will die due to climate change because corporate profits are more important than human lives to them. Under the policies of the lesser evil, billions will die due to climate change because corporate profits are more important than human lives to them.
It makes no difference, both parties should be opposed and true change can only come through revolution and the abolition of the capitalist class.
Under the policies of the lesser evil, billions will die as you say.
Under the policies and rhetoric of the greater evil, a woman just got brutally murdered in California for the crime of hanging a fucking flag outside her shop.
My point, as I have been trying in vain to make this whole time (but apparently don't have the writing ability to convey) is that if you're fucked no matter what you do, then do the thing that hurts your friends less.
If you have some other course of action that can lead to actual change, then tell me. If you have some other course of action that will help my trans friends today, then tell me. Because billions dying over the next century doesn't mean much to people who get shot, stabbed, or beaten to death today.
I want to believe there's a better way, though, so explain it to me.
The action that leads to security and a better life for yourself and those around you is to organize your community along whatever lines are possible. Unionize with your coworkers, form a tenant's union with your neighbors, physically get out in the street and provide security for LGBT+ events and spaces. Build up parallel structures so that when the government fails, you and those you care about will still have access to food and water, a place to live, and security. Join a political organization that's active and actually does things in your area (one of the communist parties, DSA, or even just Food not Bombs) and do all you can to prepare for a revolution that might never come.
I'll close this by saying that I've been harsh on voting and the electoral system in general during this conversation, and probably too hostile in tone towards you. I apologize for that, because it's sometimes hard to tell when someone is actually acting in good faith, this being the internet and all. Voting isn't something I think is particularly useful, but if you vote for the democrats because they're less openly fascistic, that's up to you. The key is to not let your political activity start and end at voting, because direct action in the real world is by far the best way to achieve positive change. I wish you and yours the best in surviving the collapsing fascist hellhole we find ourselves in.
spoilered giant emoji
I disagree. You seem to be susceptible to identity politics even though it is quite clear that this "lesser of two evils" is actually hoodwinking you into agreeing with corporatism in the name of empty, symbolic inclusivity that intentionally stops short at extending that woke inclusivity to the poor.
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.
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.
The two Party system will only go of you get rid of the "winner takes all" system.
establishment, sheepdog neoliberals are out in force on here.
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 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?
I should qualify that. What the United States and British are trying to pass off as democracy is a complete sham.