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Joined 1 year ago
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Cake day: June 10th, 2023

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  • Credit balances don’t negatively impact credit scores as much as one would think. It’s ultimately a combination of factors that go into an overall credit score with the heaviest hitter being payment history. If one makes all of their payments they can have a decent credit score despite carrying a 10k balance. Carrying a balance of greater than 30% of the limit will detract significantly from the overall score, but it won’t knock it below “decent” range on its own.

    I’m honestly not even sure how one actually gets their score below 500. My wife got a head injury and physically could not remember whether or not she’d paid her credit cards a couple of years ago, so they ended up becoming delinquent and going to collections. Ultimately it dropped her credit score to about 500 but then it started climbing back up from the car loan and mortgage that are in both of our names and is almost up to 700 again. I seriously want to know how people manage to get their scores down to the 300s (the floor is 300) because you basically have to try in order to get your score that low. A friend of a colleague managed such a feet and then had some identity theft which actually improved his credit score because it looked more like normal credit activity than his real credit activity


  • A friend showed me their workflow for piracy and it’s really incredible just how easy it all is. Literally just download an OVPN config from whatever VPN provider you subscribe to, connect to the VPN and search in qbittorrent (and use the link in qbittorrent to download the necessary search plugins)

    Like obviously this is a few decades of software refinement, legal battles plus a fair amount of large companies turning a blind eye to the obvious. So it’s shoulders of giants and all but it’s still kinda jarring




  • Good question! I can’t remember.

    I think I read a Microsoft blog or something like a decade ago that said they shifted from a Hyper-V based solution to Linux to improve stability, but honestly it’s been so long I wouldn’t be shocked if I just saw it in a reddit comment on a related article that I didn’t yet have the technical knowhow to fully comprehend and took it as gospel.



  • I think for some people it’s more about killing multiple birds with one stone. One guy I know went to see a Dolphins game, bought a car and got some warmer weather during the coldest part of the year. Another bought a car while visiting family (and learned the hard way that radiators are sometimes refilled with water and therefore will freeze in the winter if brought north) and another had their 20 year old truck die while hauling their RV and bought a new truck from the nearest dealership. So maybe it’s not widespread, but every one has talked about the benefits of a car that’s never seen salted roads






  • Trainguyrom@reddthat.comto196@lemmy.blahaj.zoneSpidow man rule
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    2 days ago

    Generally Republicans and Trumpists use “woke” to describe anything they don’t like that seems to slightly swing liberal rather than anything specific.

    Originally “woke” was slang in the black community meaning to understand the risks of being black in the world and basically was an equivalent of saying “drive safely!” or a Midwestern “watch for deer!” in wishing one a friendly goodbye







  • As others have said loss of interest can happen and the interest can of course come back with a vengeance. I’d recommend picking up another hobby until gaming suddenly grasps your interest again.

    Two types of hobbies that have lasting positive impacts on people are creative hobbies and physical hobbies. Your brain is wired to invent and create and your body is wired to move, so being able to do each for fun is brilliant for your mental and physical health. Hop on a bicycle, go for a walk and enjoy the crisp fall air, stop off at that gym you forgot to cancel your membership for, and start doing it regularly.

    For creative hobbies you can get a pack of printer paper for a couple of bucks and a pack of Crayola crayons or colored pencils and just start doodling. If you suck at drawing make wierd geometric shapes to rebuild the fine motor skills that computers have killed. Or if you want something more in-depth model making is always great because it has elements of fantasy while having entry points at any skill level. Personally I’ve been getting back into model railroading which if that seems boring to watch a train go around in circles, consider it has its own table top roleplay scene in the form of operations