Bob?

Glad to hear t-pose is the way to go. I’m beginning to think it’s the solution to the world’s problems.

I’ve talked for years with friends of mine about MLB+Steroids+Aluminum Bats. I want to see someone hit two 700ft homers in a night.

Wait, you can secure SSDs and not just kinda push em in there?!

It’s funny how all roads lead to eat the rich.

I was 800 or so before refi in October '21 (which I am thankful every day for my 2.275%), and it dipped, but I’m back to 820 as of today. I dip from time to time when my wife gets spend happy on a shared card of ours, but for the most part I hang out there.

Unfortunately it’s meaningless now, because even though I want to do a home equity loan to make my house a little bigger, I can’t justify taking out an amount greater than my remaining mortgage, at a rate triple or more my remaining mortgage, for the equivalent of 180 square feet of living space. It’s all useless. But I’ll plod a long and pay my bills and do whatever.

My brother, though, is the kind of guy who goes and finds cards that are offering some incentives for opening, and he gets them, and then just hangs onto them. I don’t think he has 10, but at least five or six at this point, and he also has great 800+ credit. He just likes to work though. I like to not think about things.

I don’t understand what you mean or how that relates at all. And I’m not trying to be obtuse, I just don’t see a rational nexus between what you’re paying in rent now versus what you may pay as a mortgage on some completely different piece of property. Owning a piece of property and renting one are two different things.

Now, should paying rent be reflected on your credit score? I believe so, for better and for worse. If you are a good tenant, always pay rent on time, to me that reflects well on your fiscal health. I think the only reason it’s not is because who is there to report it? Only way it would be is if you could put it on your credit card, and I’m not sure any landlords take credit cards.

It was a response to someone asking why one would accumulate multiple cards. It’s a reason. I’ve done it. I have 800+ credit score. Guess it worked out. I think the most important factors are paying your shit down fast and maintaining a good ratio of high available credit with low usage. At this point I’m at three or four cards and one or two other lines of credit. In the past, it’s been more of each.

Basically, you don’t get a good score by not using credit.

Store offers 0% on items you need, appliances, bedroom furniture. You’re going to spend thousands and they let you pay that shit over the course of 12 or 24 months. To me it’s a no-brainer. Only downside is I can’t use my Raynour & Flannigan card at Best Buy or Home Depot, so I need their cards too.

How can it be improved further. If you’re going to say stuff, give us a “such as,” otherwise it comes off as a negative, it’s not good enough. Gotta be constructive with the criticism. I’m reading a lot of negative reactions and I want some actual rationale for it, because I guess I’m uneducated on the topic and I fail to see what the issue is. Credit is people giving you money. There’s a system that keeps track of your credit history. Don’t want it? Don’t get credit, that’s it. Have 0 credit and then reap the rewards of that if you want.

Can you elaborate? And excluding all the bullshit with leaks, that’s obviously an issue but I’m not sure it’s related.

If you have a bunch of recently opened cards with like $500-$1000 credit limits, that’s not great, but if you have several high limit cards that you are only using a small percentage of that limit, that is good.

I have to imagine credit ratings are fairly ubiquitous, since banking is international, and who’s giving the money out? Would make no sense to penalize someone for having a lot of available credit. Maybe if you have 10 cards with low available credit, and they’re all maxed out and you’re just paying minimums, that’s bad. That’s bad in America too. Amount of available credit less amount of credit used seems to be a big factor.

Ignoring everything else, Reddit also lacks nuance. Both of these forums live in a black and white world, and I agree that you’re either on their side or you’re against them.

I don’t agree with other things you’re saying but I really only wanted to comment on that one issue. There is no nuance.

This was my favorite part too. I like to imagine the 11 is pm too.

But I have no room to talk, I’ve had entire days where I left my house at 830am and got home at midnight but somehow walked fewer than 1,000 steps. Sometimes your ass just doesn’t get a break.

1989 Dodge Caravan came in stick with a turbo. Thing was awesome, soccer mom’s tossing kids out doing 0-60 in 8 seconds.

I think the point is you can’t put a search term into a search engine and get results from some random Discord. No body is going to go trawling through Discords to then use the search function to potentially find information from it. Now, if chats were somehow archived and could then be searchable, different story, but I don’t think that’s what people using Discord want from Discord.

Yeah, there’s something left of frame.

Double booking. What is this, an airline?

What a blip on the radar they were. I remember watching a video on acid rain in first grade, so early '90s, and that was it, never saw it again.