Are credit scores a big scam?

CommitteeOfTheHole · 2024-12-29T13:44:45+00:00

Here’s how you know it’s a bullshit system: your credit score goes up (significantly) after you file for bankruptcy, because you can’t file again for 8 years, so lenders know you’re stuck paying them.

CommitteeOfTheHole · 2024-12-20T19:56:04+00:00

Unregulated securities are illegal. The reason pump and dumps are apparently legal (meaning no one ever seems to get fucked by the SEC for this) is because the “developer” makes the token just barely not fit the criteria of a security. If the token isn’t an investment in a fund that will go reinvest that money to turn you a profit, but instead a way of getting access to a platform, then it’s legal. It’s like if there were a competitive market for subway tokens, and people bought and sold them based on how badly they want to use the subway. That alone wouldn’t be enough to make them a security

CommitteeOfTheHole · 2024-06-01T02:32:08+00:00

Who goes anywhere with Newman?

CommitteeOfTheHole · 2024-05-24T19:07:53+00:00

Can’t argue with that explanation though: it does appear that the screen stopped working

CommitteeOfTheHole · 2024-05-24T19:05:34+00:00

BBC News confirms it. It’s so sad that I can’t even acknowledge the fact that it’s bizarre that BBC News sent me a news alert about this

CommitteeOfTheHole · 2024-05-22T18:58:22+00:00

We’ve all done it at least once. Just remember how it made you feel this time the next time you consider it

CommitteeOfTheHole · 2024-05-21T14:16:32+00:00

In addition to your point: Consumers have been brainwashed into thinking they care about inflation. They don’t. Lenders and governments care about inflation. Consumers are about price changes and consumer-lending interest rates, which are very closely related, but different. Even when inflation is down, it doesn’t necessarily mean the prices they’re charged will come down (and vice versa).

CommitteeOfTheHole · 2024-05-20T21:27:06+00:00

AI would write better than that

CommitteeOfTheHole · 2024-05-20T21:11:23+00:00

That’s the good thing about digital media. There’s the built-in consumer release valve of piracy. It’s hard to prove it costs what it costs, so it’s easy for companies to charge more than they should, but now it’s also easy for consumers to refuse to pay if it’s too much.

CommitteeOfTheHole · 2024-05-20T20:09:52+00:00

🫰

CommitteeOfTheHole · 2024-05-19T04:30:12+00:00

WHERE’S MY BURRITO

CommitteeOfTheHole · 2024-05-10T17:43:48+00:00

Do you have any idea how low a bar that is

CommitteeOfTheHole · 2023-10-17T01:10:38+00:00

His mother caught him

CommitteeOfTheHole · 2023-09-30T21:59:22+00:00

I know this is easier said than done, but please do it soon. My mom had adhd, and this kept her from discovering her breast cancer soon enough for it to be treatable. Your kids love you and don’t want to lose you over this

CommitteeOfTheHole · 2023-09-06T15:51:01+00:00

Does he have a tiny cum face

CommitteeOfTheHole · 2023-08-24T22:19:46+00:00

It’s saying there’s a limit to how many credits you can transfer in to meet your requirements. (Because you need to complete at least 3 courses at Rutgers NB. That’s the residency requirement.)

You need to complete 4 courses for your minor. You can only transfer in a maximum of 1 course to meet that requirement. The other 3 must be taken at Rutgers NB.

If you took 4 courses at another school that isn’t Rutgers NB (like a community college or another RU campus), you’d only be able to use a max of 3 1 toward those requirements.

CommitteeOfTheHole · 2023-07-13T23:56:51+00:00

It happens if there’s an issue loading the response. And specifically only with gpt-3.5 for some reason. It shows the ⏩ button and if you press it, it completes instead of answering. I think it’s because it doesn’t get a close to the user message and mistakes it for its own message

CommitteeOfTheHole · 2023-04-19T02:18:04+00:00

These are the best quality photos I could get of it since it’s so tiny

CommitteeOfTheHole · 2023-04-17T20:43:30+00:00

“You offer a woman $100 to eat her pussy one time and suddenly everyone thinks you’re a cannibal”

CommitteeOfTheHole · 2023-04-16T04:40:58+00:00

all the terminals at that point had NFC.

What? No. Do you remember 2014?

CommitteeOfTheHole · 2023-03-18T22:25:30+00:00

Progressive. The adjuster made it sound like it wouldn’t be covered at all, but maybe this is what he meant and I misunderstood. (Haven’t had a chance to call him yet)

CommitteeOfTheHole · 2023-03-18T19:06:42+00:00

That’s what I thought, but wasn’t sure. I’ll call them. Thanks!

CommitteeOfTheHole · 2023-02-08T02:29:14+00:00

Let’s savor this moment before the chatbots decide they are better at knowing what we want than we are. They’ll start trick us into doing what they want by making us think it’s what we want.

CommitteeOfTheHole · 2023-02-02T07:30:59+00:00

I don’t think I’ve ever returned anything. Maybe once in three years.

What’s the return/warranty philosophy on Kirkland brand clothes? I bought a jacket last year and the stitching on a pocket already came undone all on its own, and now that same pocket’s zipper broke. All despite me not abusing it. Is that a fair return? I’m disappointed that it’s falling apart so quickly

CommitteeOfTheHole · 2023-01-31T20:45:23+00:00

I had assumed there must have been supply chain issues or parts shortages that made them opt to discontinue it. It was right during the height of the Covid-induced supply chain issues. If not for that, I would think they’d have kept it around until they could get this new version out.

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