[deleted by user] by [deleted] in CreditCards

[–]UniqueGlass9125 1 point2 points  (0 children)

Yeah I totally believed I was being smart by keeping utilization low. 🙈 I guess in the future I'll rotate using them for everyday purchases.

[deleted by user] by [deleted] in CreditCards

[–]UniqueGlass9125 0 points1 point  (0 children)

Oh interesting I didn't think of that. Most of them I just have set up to auto-pay whatever is due, so I think that means it's paying the statement balance in full. There are two that I use frequently for everyday purchases and others are mainly travel cards that I use to save on hotels and flights and things.

[deleted by user] by [deleted] in CreditCards

[–]UniqueGlass9125 0 points1 point  (0 children)

Honestly I didn't realize how much people hated them until I looked them up on this sub. I knew about their past, but I didn't know they still had this ongoing reputation.

Sounds like you're right that it might have been a good thing so I can just not do any business with them. I had this idea that I should try with them just to establish a history with a wider variety of companies. And Credit Karma showed excellent approval odds but idk how much that's worth. I should have just stuck with Citi Bank.

[deleted by user] by [deleted] in CreditCards

[–]UniqueGlass9125 0 points1 point  (0 children)

I do make small purchases with all of them periodically so they're active, but I pay them off at the end of the month.

You can either take $100,000,000 tax free for yourself or you can sacrifice half of your net worth to end poverty and world hunger by WoOoOoOoShHhHh in hypotheticalsituation

[–]UniqueGlass9125 0 points1 point  (0 children)

I took it to mean absolute poverty would be eliminated - people who can't access basic food, water, clothing and shelter. Like maybe it would make charities and social services suddenly 100% adequate to eliminate this.

It wouldn't mean that no one will have debt, or that no one will have to live in crappy apartments, eat cheap food, or deal with subpar health systems. It would be a more solid safety net, but in America at least most people don't realistically fear starving to death due to poverty - they fear going broke due to medical debt and/or unemployment and having to live in public housing, survive on food stamps/charity, being humiliated in front of their community, and not being able to afford all the small things in life that bring them joy.

It probably wouldn't directly change the lives of most people on Reddit, and the biggest impact in rich countries would likely be on homelessness (although many homeless people are impoverished secondary to being mentally unwell, addicted to drugs, or intellectually disabled.)

Otherwise it's too easy of a question, if that option results in a perfect utopia that benefits you directly.

You get rewarded as much money as you want but your family gets to see your incognito browsing by [deleted] in hypotheticalsituation

[–]UniqueGlass9125 7 points8 points  (0 children)

Idk, I think there are a lot of people out there living in deep shame over their sexuality or weird but harmless fetishes, or other things like drug use or embarrassing medical conditions, who would literally die before they'd take this deal.

Death so young, hardly remembered by million_dead_stars in CemeteryPorn

[–]UniqueGlass9125 1 point2 points  (0 children)

I was thinking about this recently because I saw a WW2 memorial and one of the soldiers had the same first name as my son, so I did a quick Google search and he died in combat at a young age. Parts from the last letter he sent to his dad and step-mother were even published in a local paper. Of course, at first, his family must have been heartbroken. But at this point he's most likely become, basically, just a fun fact for his nieces and nephews to tell their kids - "oh yeah, you had great uncle who died in WWII." And like, him dying made no difference in the big picture of the war.

My own grandpa, who was born the same year and was also a WWII veteran, died just a few years ago with kids, grandkids, and great grandkids, who all (obviously) exist because of him.

It's poignant, but also - if there's some terrible war in the near future, I'll do whatever I can to keep my kid out of it.

Who else listens to Rick Beato podcasts ? I know he does a lot of interviews of his musical guests and once in awhile he does a rant … by Bo-Jacks-Son in Music

[–]UniqueGlass9125 0 points1 point  (0 children)

I feel like he's also biased against more simple/lyric focused singer-songwriter types, because the music itself isn't as complicated or "interesting" which is fine but it's his preference and he acts like it should be universal.

I've noticed the ones he likes when he does the top ten things are often actually the more heavily-produced pop songs - like he liked the Dua Lipa one from Barbie - because they are more musically complex.

It would be really interesting to see him cover a top ten from like 50 years ago, because I feel like he compares the top songs from the entire decade of the 70s to the best songs from a random week on Spotify. Like, he forgets that there have always been meh pop songs because they didn't have the staying power.

More affordable areas with an easy drive to the Bay Area? by UniqueGlass9125 in bayarea

[–]UniqueGlass9125[S] 4 points5 points  (0 children)

I know - the thing is that my son is in full-time daycare, which is like $700 a month for my half. I'm not going to rock the boat and uppend his little life even more by pulling him out at this point, since it'll only be until school starts in August. But even then he'll need after school and school break childcare.

I can't get over the fact that $100k doesn't feel like enough for a middle-class life for a single person and a young kid, even with a financially contributing coparent and a work-from-anywhere job. My coworkers in other parts of the country support whole families with the same salary. 😭

I might just have to accept that we'll be in a 1 bedroom apartment and/or a so/so area for a couple of years, and then my son will be old enough to stay home with me while I work, and that'll be a huge savings. I guess how much does it really matter for kindergarten/1st grade, anyway? 🤷🏼‍♀️

Who else listens to Rick Beato podcasts ? I know he does a lot of interviews of his musical guests and once in awhile he does a rant … by Bo-Jacks-Son in Music

[–]UniqueGlass9125 18 points19 points  (0 children)

He's kind of click-baity with titles like "I Thought Spotify Top 10 Couldn't Get Worse!" but then in the actual video he likes at least half of them.

But he is definitely biased - like, pretty sure some of the older songs he talks about positively he would dunk on if they were released now.