Hah, jokes on them, I don’t do anything at the office, either.
In fact I dare say I do less, due to less efficient monitor placement and constant door-knockers. At least at home the only one knocking on my door is a 5yo asking for help in Mario.
Oh and the pointless meetings where I have to be present in person and actually look attentive, even though realistically there’s no damn reason I even should’ve been invited.
Articles and posts like this really just exist for conservatives to shout that we need to stop federal spending and cut out “unimportant” things like Dept of Education, as described in Project 2025.
The problem is that debt is good. It enables us to pay for infrastructure projects and services. It doesn’t work like a household budget…not on the scale of international economies…because money “in the bank” is money that’s not in circulation.
When money is not in circulation, it’s not being used to pay for goods and services…it’s just…sitting there being hoarded.
You all complain about Musk hoarding a few hundred billions. Imagine if the debt were in the opposite direction and the government had $34T sitting in the bank doing nothing.
And anyone can buy Treasury debt. In fact, last year it was an AMAZING return on investment for anyone that bought into it and holds into the debt for a few years. One of the safest places anybody could put money to earn a return (behind a HYSA at FDIC insured banks).
Most people who think they understand how credit scores work…don’t understand how credit scores work.
The biggest things are loan-to-limit, payment history, and average age of accounts.
Loan-to-limit is easily achieved by keeping balances below 50%, and ideally below 30%. It’s also helped tremendously by not carrying a revolving balance (paying the statement balance in full each month) and not closing idle cards.
Payment history is of course helped by making payments on time.
And AAoA is probably the easiest. Just don’t close cards. Call and “downgrade” a card if it isn’t worth the annual fee. If there’s no annual fee, there’s no reason to close a card.
Just make sure you use it every now and then and pay it off. I sock-drawered one of my oldest cards a long time ago and it just closed last month from being idle, and that took a hit to my score (high limit gone and it’s no longer incrementing time in my AAoA).
It’s also worth mentioning that credit scores don’t matter until you are looking for credit. Credit cards are probably the easiest way to build credit, as long as they are used properly. But they’ll give a basic card to any schmuck. Where it really matters is getting mortgages and larger loans like cars. That’s where having a good score matters. And also better cards that earn more points/miles/cashback and have other fringe benefits.
More efficient manufacturing, falling battery costs and intense competition are lowering sticker prices for battery-powered models to within striking distance of gasoline cars.
Drawback is EVs tend to run through tires faster, and you should be careful selecting tires because they can have a drastic effect on range (the better ones obviously being far more expensive). Also, road noise from cheap tires is much more noticeable without several thousand controlled explosions per minute happening three feet from your face.
Donald Trump said he would accept home confinement or jail time after his historic conviction by a New York jury last week but that it would be tough for the public to accept....
Saw Alanis Morisette on Austin City Limits recently. She’s still got it. And the Jagged Little Pill musical was amazing. Definitely what some would consider very “woke”, but Broadway doesn’t usually attract the anti-woke crowd.
I didn’t realize it was you I’m talking to. I’d trust that you and your partner have plenty of medical advice.
Get some sleep, one way or another.
Air purifier like the other said is a good idea though. Allergies are killer right now, at least around here. My car hasn’t moved since Friday. It was silver then and it’s green now.
Nuclear is mostly expensive because of regulations and red tape that are mostly built upon FUD.
That needs to be re-addressed from the ground up. There needs to be a big PSA push on the safety of nuclear and on the true costs and hidden dangers of coal and oil plants to build massive public support, and then we got to fix the outdated regulations.
Also, coal plants aren’t cheap. And coal has costs that are heavily subsidized by society. If you could calculate all of the external costs and level out subsidies, nuclear is cheaper and, more importantly, far far safer, than any GHG plant.
I didn’t say get rid of the regulations, I said review them. They need to be rebuilt from scratch based on modern technology and science, not of the FUD that anti-nuclear lobbyists pushed throughout the 80s and 90s.
There are ways to get demand shift working with residential, but I doubt enough residences would participate.
A lot comes down to smart grid, and integrating high draw appliances that don’t always need electricity right now. Like fridges and water heaters. Some may come down to residential storage systems charging during off-peak and being used during peak. And using EVs as an extension of residential storage.
We could also get not so used to expecting a specific level of comfort. Honestly how uncomfortable will we be if the AC or heater doesn’t kick in for 10 extra minutes or so, when the clouds part over the huge solar array 500 miles away and there’s going to be excess.
And I just canceled my YouTube premium family in favor of SmartTube and Spotify.
Somehow I’m yet to encounter a single ad in Spotify Free and I have no idea how or why.
But the downside is that I want to subscribe to CuriosityStream/Nebula and I can’t find a referer link for the channels I like because they are all being skipped.
The weight of the trees was so great that the ones on the bottom got squished and became coal. That’s where coal is from. Bonus fact: the whole time this was happening, sharks were hunting in the oceans. Sharks are older than trees and fungus!
Beautiful but worrying 🌍 (jlai.lu)
the debt (lemmy.world)
US grade school textbooks
Global navigation jamming will only get worse. The U.S. needs to move fast - SpaceNews (spacenews.com)
Interesting implications, perhaps the global positioning system is not as infallible as we thought
I don't know what this sport is called, but it looks fun (i.imgur.com)
imgur.com/…/now-something-completely-different-52…
Electric Cars Are Suddenly Becoming Affordable (www.nytimes.com)
More efficient manufacturing, falling battery costs and intense competition are lowering sticker prices for battery-powered models to within striking distance of gasoline cars.
Understandable (lemmy.world)
Trump says if he is jailed that could be 'breaking point' for Americans (www.reuters.com)
Donald Trump said he would accept home confinement or jail time after his historic conviction by a New York jury last week but that it would be tough for the public to accept....
Madlad posted this on the r/libertarian subreddit and they banned him (lemmy.world)
reddit.com/…/how_it_started_vs_how_its_going/
Sovcit has a question. (lemmy.world)
I AM HERE TO REMIND YOU. (lemmy.world)
Problem solved (lemmy.today)
All possible permutations (i.imgur.com)
World's first bioprocessor uses 16 human brain organoids for ‘a million times less power’ consumption than a digital chip (www.tomshardware.com)
I am 1pm friend (lemmy.world)
Small modular nuclear reactors get a reality check in new report (newatlas.com)
[T]he report’s executive summary certainly gets to the heart of their findings....
Washing machine chime scandal shows how absurd YouTube copyright abuse can get (arstechnica.com)
TIL in the Carboniferous Period, no fungus existed to decompose trees. They just grew on top of each other up and up.
The weight of the trees was so great that the ones on the bottom got squished and became coal. That’s where coal is from. Bonus fact: the whole time this was happening, sharks were hunting in the oceans. Sharks are older than trees and fungus!