Frog-Brawler

I was playing it last night on steam. I needed a new GPU recently and it came with a code to download it. 🤷‍♂️

Anyone remember before LinkedIn when there was a law that people didn’t have to disclose their race on a job application, and how 90% of people ignored that protection and decided to post up their headshot on linked in anyway?

Kicking causes your legs to fall off.

Yup, I heard about it in advance myself; and I stay far away from those types of groups.

I lost interest when I realized I don’t care if you’re fucking up, and I don’t care if you think I’m wrong either. I don’t want to argue with you. Waste of my time. Like I said earlier, have a good one.

When I checked my credit score last month, it was 847. I’m sure I’m doing better than 99% of people in that regard.

When interest rates are high, there’s less demand and as a result prices are lower.

Keep listening to Ramsey. This conversation has devolved into something I’m no longer interested in, so I’m checking out… have a good one.

A lot of people that have feelings and behave like your friends do so out of insecurity. Apple stuff works really well within their own ecosystem. They’re kinda dicks about how they run their app-store, and I do believe they overcharge for most everything they make; but it doesn’t change that their stuff works really well, consistently.

I have to use Windows, OSX and various forms of Linux on almost a daily basis. They all have pros and cons.

Yea I mean, I don’t want to entirely shit on everything Ramsey says, it’s just incredibly rudimentary. Great for people starting out… but if his listeners continue to listen to him forever they are doing themselves a disservice.

You clearly listen to too much Ramsey. No credit is a credit score of 0. Bad credit is 580. It is going to take time to repair either one but if you’re running a race, do you want to start at 0, or 2/3 of the way to the finish line?

Even if rates are 10%, ownership is better than paying a landlord rent. Equity, equity, equity… High interest rates are when you upgrade or purchase more property to build wealth. Just ride it out and refinance when the rates come down.

Having a high credit score makes everything easier. A high credit score is also something required for certain jobs. Ramsey comes up with “workarounds” for when his advice about not having credit doesn’t work out.

Consider downloading some kind of checkbook ledger app. Anytime you get paid, re-balance it and make sure it’s correct. Then, use it for EVERY purchase that isn’t cash. Once you get into the habit of not needing to re-balance it, switch 100% of your purchases to credit card, and keep the habit up. When it comes time to pay your credit card bill, you will have the cash you need to pay it off, and you will also be building credit which will give you more purchasing power down the road.

A lot of the stuff Ramsey says is good for Ramsey; not anyone else, and certainly not the public. I 100% agree with him that (most) debt is bad, but having no credit is worse than bad credit. If you want a strain on the system (what we have now), you deny credit to people that aren’t credit worthy (*people without credit) so that they cannot afford to purchase homes. A mortgage is debt, but it’s not “bad-debt.”

I use a credit card for everything, especially large purchases that don’t charge an additional transaction fee to use the card. I also pay it off each month. I get 3-5% back when I use it. It would be quite stupid/lazy not to take free money, while also keeping my credit score at 847 (last I checked).

I already see where this is going. The far-right is going to fuck up their credit scores even worse and then blame the NWO or wokeness or socialism or anything but their own stupidity when they cant get a car loan in 3 years.

It’s still very easy. You can go into any Walmart and self-checkout with one using cash if you’d like.

Maybe it should say, “If the world went open source, and capitalism went away.”

I dunno, when someone intentionally kills two people, that sounds like a job for the justice system to me.

No, I don’t donate to it. I don’t use it.

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Same… it’s not my current company, but the company before this one got me interested in noise cancelling headphones. People bullshitting and talking loud all day may as well have been nails on a chalkboard.