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Joined 7 months ago
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Cake day: December 11th, 2023

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  • You guys are talking about different things.

    Credit utilization of 0% doesn’t mean paying your cards off on time every month so you avoid interest. It means paying your cards off before the statement period even closes so nothing is reported to the credit agencies.

    I do this. All my cards have a statement period ending on the 19th or 20th. Around the 17th every month I pre-pay so my statement is $0 on every card.

    When I use a card after doing this and the charge goes through before the statement closes, my FICO score goes up (vantage doesn’t seem to do this).

    For the last 18 months or so my FICO has been going up 22 points every time there is at least a little balance to report and down 22 points every time my credit utilization is 0.0%.







  • If you want to know how bad we’re being fucked, search for the PPI, the producer price index. CPI, the one we always hear about, is the measure of inflation to us, the consumer. The PPI is the measure of inflation to producers, what they pay for goods and services to produce the goods and services we buy.

    The PPI has been back to “normal” for a while now. Pretty much as soon as the post COVID logistics issues were mostly ironed out. The difference between PPI and CPI changes is pure profit.

    We don’t get daily articles on the PPI though, I wonder why.

    Edit: tell people about PPI whenever you can, online or off, the more people know, the better. It’s easy enough to say inflation is just down to greed but being able to back it up by comparing two simple charts will help people really understand.



  • You can’t get it in the boonies. I live in a city and my insurance, with an earthquake rider, is only a few hundred a month. My coworker lives in sparsely populated area (by the standards of this metro area) and his insurance costs a little over 7x as much, and continues to rise.

    And it’s deserved too. These people move out there because they’re the type that want to “own land,” but then none of them maintain it. I’ll go over to his house for a party and be in the backyard and everywhere I look, his property and every property it touches, as soon as you go beyond the area immediately around the house that is actually used, the entire ground is covered by kindling. One dropped cigarette and his entire neighborhood is gone.


  • The Clone Wars might have started out for a younger audience (I would say more all ages, it wasn’t too kiddy) but it started to have episodes that were pretty heavy after a while. Also, the transformation from “snips” to who Ahsoka is now is one of the best examples of character growth I can think of. Back when it came out if you had told me that annoying little shit would become one of my favorite characters in the entire eu, I never would have believed it.

    And on a general note, the eu has always had better stories than the movies anyway.




  • I didn’t mean to suggest 90s rap was one-dimensional but it does seem like there is more variety now. But I wasn’t in an environment where I could buy local/touring hip hop tapes out of the trunk of a car, where I was that sort of thing was mostly punk and metal, so I never experienced all there was to offer. Maybe what I perceive as an increase is just due to streaming services making discovery so much easier.


  • That’s an interesting point about the accessibility of digital tools. Without a completely new way to craft a sound nothing could sound all that different.

    Although I do like “real” country music (sorry about the gatekeeping) “pop country”, Nashville pop, or whatever you want to call it, is the one genre of music I dislike the whole of. I guess it’s different from other country but it’s similar enough to generic pop I wouldn’t consider it new.

    I do agree about rap/hip-hop though. The artists I listen to now are very different than what I listened to in the 90s and there is a much wider variety of style. I wonder how much of that is due to how easy it is to discover new artists now. Back in the 90s learning about underground rap artists, or underground anything, wasn’t easy.


  • Not Nirvana, wrong genre. But it wouldn’t be out of place on one of my metal stations, but I don’t have to wait for that because now I have a station based on them, thank you for that.

    But Morbid Angel came up after a few songs (to be fair it was a more recent song) and that’s kind of my point. Stations based on a 90s band will get me recent stuff and vice versa. If I make a Who station, Elvis doesn’t come up. If I make a Joplin station, L7 doesn’t come up. You usually get a pretty narrow time frame for anything pre-90s, after that it’s anything goes.

    That’s not to say Igorrr sounds exactly like anyone from 30 years ago, but it’s an evolution as opposed to a revolution.

    Edit: several songs later I got NIN, Mr. Self Destruct, it doesn’t get much more 90s than that.


  • I like today’s music but it seems derivative. Maybe I’m full of shit, and feel free to tell me why, but it seems like music from my dad’s youth (which I also like) was way different than mine, but nothing has changed that much since then.

    You could take today’s music and put it on a radio station in the 90s and it wouldn’t seem out of place if you didn’t know any better. I don’t think the same is true for 90s music on a 60s or 70s station.