US US Politics General - Discussion of President Biden and other politicians

 

[Hey Johnny Bravo]

The funny thing about that at least is you can make the masters seethe here impotently VS denying you so much as a bus pass if you don't participate in the credit system and somehow find success. A few people I've worked with in the past would rather proverbially sleep on a bench than play the gay credit score rain dance with loans for their own sake and credit card juggling and money still thankfully talks.

The credit score is still incredibly yiddish and a retarded metric in general though.

Honestly, having a good credit score in the USA is easy so long as you are financially responsible. Pay the money you owe and there will never be an issue. It should be patently obvious why revolving credit cards is a bad idea.

I have never met someone with bad credit who was not an idiot and/or a scumbag. Most debt can be discharged via bankruptcy and everyone I know with bad credit due to student loans is a person who refuses to make their payments in the deluded hope that a politician will eliminate it for them.

 

[Breadbassket]

Credit score and social credit score are tangentially related, both may matter for finances in some aspect sure but China uses the social score system to incentivize certain types of behavior. It's another means for the Chinese Communist Party to control the populace and insert itself into the lives of those who inhabit the country they control.

 

[MirrorNoir]

Germany got caught trying to convince Mexico to attack the USA (Zimmerman telegram). The substance of that telegram has never, ever been disputed.

I'm no fan of Woodrow Wilson, the elitist autocratic that he was, but there were several factors involved in the US entry into WWI.

The issue with the Zimmerman telegram has always been the fact that the offer had been made/rejected months prior to the US learning of it. The Brits knew about the telegram and had a copy in their possession for awhile but waited until after Wilson was re-elected to give it to him, since he was running for re-election on an anti-war platform.

 

[Ukraine is Big Gay]

Honestly, having a good credit score in the USA is easy so long as you are financially responsible. Pay the money you owe and there will never be an issue. It should be patently obvious why revolving credit cards is a bad idea.

I have never met someone with bad credit who was not an idiot and/or a scumbag. Most debt can be discharged via bankruptcy and everyone I know with bad credit due to student loans is a person who refuses to make their payments in the deluded hope that a politician will eliminate it for them.

The difference being here is the dumb part imo - you can have zero debt and be doing well and still have a mediocre credit score if you simply don't participate or do arbitrary credit card pay off loops on every little nagging thing before they get any interest as well. I knew someone who's house is paid off and they have no credit cards whatsoever. Only a debit card. And they had to house shop to find someone who wasn't a credit score chicken bone reader terrified about someone who's got a fat 401K and cash in hand buying because their magical score was so-so. Despite never having taken a single loan related to anything ever in their life.

And that's despite having the money to slap down lump sum and buy a modest property in full at least before the blackrock blitz and great changing and pajeeting of the housing marketing. Your credit score can be absolutely meh even if you have no loans, no college or medical debt ironically because you've never had any loans or credit card charges and never paid OFF debts quickly and purposefully too.

It is quite literal with the name in that regard but it's over-used as a all encompassing financial metric IMO.

 

[Hey Johnny Bravo]

The issue with the Zimmerman telegram has always been the fact that the offer had been made/rejected months prior to the US learning of it. The Brits knew about the telegram and had a copy in their possession for awhile but waited until after Wilson was re-elected to give it to him, since he was running for re-election on an anti-war platform.

The British didn't intercept the telegram until after the 1916 election. They got it on January 17, 1917.

The difference being here is the dumb part imo - you can have zero debt and be doing well and still have a mediocre credit score if you simply don't participate or do arbitrary credit card pay off loops on every little nagging thing before they get any interest as well. I knew someone who's house is paid off and they have no credit cards whatsoever. Only a debit card. And they had to house shop to find someone who wasn't a credit score chicken bone reader terrified about someone who's got a fat 401K and cash in hand buying because their magical score was so-so. Despite never having taken a single loan related to anything ever in their life.

And that's despite having the money to slap down lump sum and buy a modest property in full at least before the blackrock blitz and great changing and pajeeting of the housing marketing. Your credit score can be absolutely meh even if you have no loans, no college or medical debt ironically because you've never had any loans or credit card charges and never paid OFF debts quickly and purposefully too.

It is quite literal with the name in that regard but it's over-used as a all encompassing financial metric IMO.

A mediocre credit score is better than a bad one. It is simple to build up good credit by making regular purchases with your credit card and then pay off the credit card each month. This is also safer - if someone steals your credit card number, it's the credit card company's money and they are diligent about stopping fraud. If your debit card gets stolen, it's your money.

A lot of the hullabaloo about credit score is overblown. Is it annoying and sometimes nonsensical? Yes. Is it as cumbersome as people online bitch about? No. I'm certainly not lumping your friend in with this statement, but the majority of people I know who complain about their credit score are people who spend money like a 4-year-old and sign up for every credit card that gets sent to them in the mail.

 

[Dammit Mandrake!]

Everyone get your hamburgers on.

I only drink grain alcohol and rainwater.

 

[Ukraine is Big Gay]

It is simple to build up good credit by making regular purchases with your credit card and then pay off the credit card each month.

Regardless of it being shoehorned into all around good financial practice now- That's exactly my problem with it's existence on principle. It's intrinsically linked and agnostic to actual earnings and success and responsibility levels. Just "Did you do the song and dance right? If not, fuck you. Your good boy score is the same as the vegas vacation guy who didn't pay anything off for 10 years." It's one of those little "optional mandatory" layers that accumulated in the background of the average American's lives that isn't readily available without some level of hoop jumping or mild specialty knowledge. Even if it is "Easy" the fact it's something you can't just any time when you feel like it get a look at it without an obfuscation layer inherently bothers me.

As is the aforementioned benefit that they will bend over backwards to help you if it's the banker's money you incidentally can access - But tell you to pound sand if it's entirely your own money in terms of citizen and consumer protection. Further nudge nudge winking you should leave your financial existence in the hands of an institution first and foremost.

People are retarded and use everything wrong if they can but I simply do not like the precedent of it even being there as it stands in it's current form, simple as. I'll can the credit spergery though so we avoid the captain planet spiral.

 

[WelperHelper99]

Fatpacks did it. He put on the burger suit. Me:

 

[Bland Crumbs]

Everyone get your hamburgers on.

Ah good old burgers.

 

[Hey Johnny Bravo]

I understand and agree with your point that credit score is imposed upon people, but the guy vacationing in Vegas who hasn't paid shit in 10 years is not the same as someone whose credit score is a great big question mark. That Vegas guy is likely coked up and in trouble with the IRS.

What I do is I use my credit card for stuff like gas and groceries, pay it off with money from my checking account, and doing that my whole live has given me an 800+ credit score. It's annoying for sure, but it was worth it when I bought a house because creditors were happy to loan me the money I needed. Believe it or not, credit institutions like safe customers because they know they're getting their money back.

In more relevant news: "Biden to award Liz Cheney and others with Presidential Citizens Medal" (archive). Biden is starting this year off strong.

 

[Vining]

Everyone get your hamburgers on.

I prefer Buffalo Chicken sandwiches

 

[Myrtle the Turtle]

Regardless of it being shoehorned into all around good financial practice now- That's exactly my problem with it's existence on principle. It's intrinsically linked and agnostic to actual earnings and success and responsibility levels. Just "Did you do the song and dance right? If not, fuck you. Your good boy score is the same as the vegas vacation guy who didn't pay anything off for 10 years." It's one of those little "optional mandatory"

This is why I prefer credit unions. You can negotiate with them and they can make exceptions in some cases because they know you. The big banks like BofA, Chase and Citi won't play at all and expect you to die in a bugman pod because you won't do the credit card song and dance like a wagie.

Credit scores are not privacy friendly and are stupid. I use mine like Johnny Bravo but I should have the right to opt out of using credit cards, shun the banking system AND not be punished for it.

 

[Catgirl Tyranid]

Kudos to the wagie running @Fatpacks account for finally managing to convince his supervisor that using the avatar would in fact make him less insufferable and better at his job of demoralizing the internet.

Congrats!

 

[Hey Johnny Bravo]

This is why I prefer credit unions. You can negotiate with them and they can make exceptions in some cases because they know you. The big banks like BofA, Chase and Citi won't play at all and expect you to die in a bugman pod because you won't do the credit card song and dance like a wagie.

This is not entirely true. If you have a lot of money with a major bank and a good credit score, they roll out the red carpet for you. I've been with Bank of America for a long time, and also have a line of credit with them, and they've been nothing but good to me. Merrill Lynch's fraud prevention is excellent, in my experience.

However, I say this with a major caveat: I am literally the only person I know who has had good experiences with BofA. There are so many people who hate that bank and I've been waiting for the other shoe to drop, but it's never happened.

Credit scores are not privacy friendly and are stupid. I use mine like Johnny Bravo but I should have the right to opt out of using credit cards and shun the banking system and not be punished for it.

You are correct that they are not privacy friendly and that local credit unions are an excellent alternative.

 

[John Badman]

Tesla stock is collapsing this morning. Not a good look MIGAbros. Down to $376 from $470 just 2 weeks ago. It might be Joever.

 

[XYZpdq Jr.]

found a pic of BD Jr with the burger in front of his face, seems like it works for the spirit of the idea

 

[Hey Johnny Bravo]

Tesla stock is collapsing this morning. Not a good look MIGAbros. Down to $376 from $470 just 2 weeks ago. It might be Joever.

Mutual funds are your friend.

 

[Anasûrimbor Kellhus]

Tesla stock is collapsing this morning. Not a good look MIGAbros. Down to $376 from $470 just 2 weeks ago. It might be Joever.

Doesn’t make me upset. Elon now learning Shilling H1B visas the way he did had harsh consequences. He should have shut the heck up or have started off with talking about severe reforms

 

[Haloperidol]

I’ve been politics’d out for a while but lmao, good work.

 

[Mourning_Cloak]

I know he was born over here, but has the forgotten political pajeet known as Bobby Jindal weighed in on this H1B saga?