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Joined 1 year ago
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Cake day: July 2nd, 2023

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  • I pirate first, and when I’ve really enjoyed a book I add a physical copy to the collection. I just can’t get behind paying for digital shit, for the reasons enumerated in this thread here. I just wish there was more direct-to-creator payments. Music and literature are perfect mediums to give directly to the artists who create it. I don’t give a fuck about whoever paid fir the digital ink. Maybe the record people get a little money.













  • I was 800 or so before refi in October '21 (which I am thankful every day for my 2.275%), and it dipped, but I’m back to 820 as of today. I dip from time to time when my wife gets spend happy on a shared card of ours, but for the most part I hang out there.

    Unfortunately it’s meaningless now, because even though I want to do a home equity loan to make my house a little bigger, I can’t justify taking out an amount greater than my remaining mortgage, at a rate triple or more my remaining mortgage, for the equivalent of 180 square feet of living space. It’s all useless. But I’ll plod a long and pay my bills and do whatever.

    My brother, though, is the kind of guy who goes and finds cards that are offering some incentives for opening, and he gets them, and then just hangs onto them. I don’t think he has 10, but at least five or six at this point, and he also has great 800+ credit. He just likes to work though. I like to not think about things.


  • I don’t understand what you mean or how that relates at all. And I’m not trying to be obtuse, I just don’t see a rational nexus between what you’re paying in rent now versus what you may pay as a mortgage on some completely different piece of property. Owning a piece of property and renting one are two different things.

    Now, should paying rent be reflected on your credit score? I believe so, for better and for worse. If you are a good tenant, always pay rent on time, to me that reflects well on your fiscal health. I think the only reason it’s not is because who is there to report it? Only way it would be is if you could put it on your credit card, and I’m not sure any landlords take credit cards.


  • It was a response to someone asking why one would accumulate multiple cards. It’s a reason. I’ve done it. I have 800+ credit score. Guess it worked out. I think the most important factors are paying your shit down fast and maintaining a good ratio of high available credit with low usage. At this point I’m at three or four cards and one or two other lines of credit. In the past, it’s been more of each.

    Basically, you don’t get a good score by not using credit.