• 3 Posts
  • 522 Comments
Joined 1 year ago
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Cake day: June 29th, 2023

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  • You fully missed the point. If you read comments around credit cards you’ll see that most people don’t understand the impact of credit cards on their ability to borrow. Yes, if you do not need five cards or $25,000 credit limit (or both), then you should absolutely start closing cards and reducing limits. People don’t understand that. They go buy a car and the loan rate is through the roof. They think that is how it is and never imagine that the rate might have been triggered by the three unused credit cards.

    IMHO, you should always have one credit card with a limit just slightly higher than your monthly burn rate. You should use it instead of debit cards, and you should pay it off in full, automatically, every month well before it is due. Only one credit card. Again, just my opinion.




  • If you have a credit card with a $25,000 limit, that limit counts against your total even if you are not using it. For example, if it is determined that you can sustain mortgage debt of a maximum of $400,000 at current interest rates, you will not qualify for that amount because you also have an open credit card with an available balance of $25,000 at a significantly higher interest rate.

    EDIT: You can only decrease what you owe on a loan but a credit card is an open line of credit that you can max out at any time. Because of this, the entire credit line counts against you when evaluating your debt.









  • First of all, who keeps their houses up to 79°F at night?

    I do. When I am in Florida, I set my AC to 78 at night but room temperature can go to 80 before the AC kicks in. The key is having a nice ceiling fan. Normally the discomfort comes from hot and humid air hovering around your body (you do make heat). Having a constant breeze on your skin keeps you comfortable.

    That said, I am not an athlete trying to achieve my personal best while the entire world is watching. I think it is reprehensible to not provide athletes with a climate controlled environment in which to rest.



  • There are a few basic lifepaths you can pick in Cyberpunk; corpo, nomad, and street kid.

    Corpos wouldn’t be caught dead in a truck like that. It’s all about smooth lines and luxury.

    For a proper Street Kid look, that thing should be covered in Graffiti and random tags. So yes, these tagged trucks do look better in my opinion as well

    For a Nomad look, random shit needs to be soldered to the truck, battle car/mad max style. This is probably the best look for that abomination IMO.

    Lagniappe: Paint it all black and add some fake rocket launchers to the back for that Militech look.