Dozzi92

Dozzi92 , 2 months ago

Pad the coffers of our local guillotine co-op.

Dozzi92 , 2 months ago

Shit, I'm as lucky as they come, straight white male, and I don't want to visit any of the missing states, except for Savannah, Georgia, which is just a nice time.

Upstate NY probably not so Trans friendly either, but always gets lumped in with NYC. It's really a wasteland outside of maybe the finger lakes region. Saratoga/Lake George are all right too.

Dozzi92 , 2 months ago

There you go, attack your allies. Not even upper class, just upper middle class. We're so wealthy I can afford to take my family to the local artisanal Pizza place! Our RAV4 is the hybrid edition! Can't afford private school, but our public schools are nice!

It's us versus them my man. I'm a lot closer to poor than I am to a private jet.

Dozzi92 , 2 months ago

Not when people start publishing the locations of their bunkers for us 99%ers.

Dozzi92 , 2 months ago

Don't ban them. Tax the shit out of every facet of them. I want them to pay twice as much as it's worth to remove the carbon footprint, and then you can fly all you want!

Dozzi92 , 2 months ago

This is the whole thing Trump's Mass Undoing has proven, our legislature is spineless and refuses to perform their jobs. Make laws. Make amendments to the Constitution.

Dozzi92 , 2 months ago

Yeah, I wouldn't get my kid something I am not personally well versed in. My parents learned that the hard way by failing to stay ahead of me in knowing how to use Windows, back when we had 98, and 2000, and Vista, etc. I'm grounded, you're locking the computer? Safe mode with networking it is, I'll print my pornographic images after they download in 10 minutes.

My mom just laughs anytime my kids misbehave. I guess I have it coming.

Dozzi92 , 3 months ago

What happened to the other Longson?

Dozzi92 , 3 months ago

For real, maybe two of the 60+ comments at this time reference the content of the article. The rest reference the sensationalized and wildly out of context headline. Articles like this are perfect for the Trump base to latch onto to say look, Demos spreading propaganda, because that's all it is.

Dozzi92 , 3 months ago

For saying, to Xi, that the 100% tariffs Trump will put on the cars he (Xi) builds in Mexico will be an economic bloodbath, because nobody in America, the intended audience, will buy the cars?

MSNBC is doing a great job making people look dumb.

Dozzi92 , 3 months ago

This is it. I have been chastised for suggesting that many social problems are red herrings to distract us from the one true problem, that it's us versus them. Until that problem is solved, nothing else can be.

Dozzi92 , 3 months ago

Average take is 33%.

Dozzi92 , 3 months ago

I have to imagine credit ratings are fairly ubiquitous, since banking is international, and who's giving the money out? Would make no sense to penalize someone for having a lot of available credit. Maybe if you have 10 cards with low available credit, and they're all maxed out and you're just paying minimums, that's bad. That's bad in America too. Amount of available credit less amount of credit used seems to be a big factor.

Dozzi92 , 3 months ago

If you have a bunch of recently opened cards with like $500-$1000 credit limits, that's not great, but if you have several high limit cards that you are only using a small percentage of that limit, that is good.

Dozzi92 , 3 months ago

Can you elaborate? And excluding all the bullshit with leaks, that's obviously an issue but I'm not sure it's related.

Dozzi92 , 3 months ago

How can it be improved further. If you're going to say stuff, give us a "such as," otherwise it comes off as a negative, it's not good enough. Gotta be constructive with the criticism. I'm reading a lot of negative reactions and I want some actual rationale for it, because I guess I'm uneducated on the topic and I fail to see what the issue is. Credit is people giving you money. There's a system that keeps track of your credit history. Don't want it? Don't get credit, that's it. Have 0 credit and then reap the rewards of that if you want.

Dozzi92 , 3 months ago

Store offers 0% on items you need, appliances, bedroom furniture. You're going to spend thousands and they let you pay that shit over the course of 12 or 24 months. To me it's a no-brainer. Only downside is I can't use my Raynour & Flannigan card at Best Buy or Home Depot, so I need their cards too.

Dozzi92 , 3 months ago

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.

Dozzi92 , 3 months ago

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.

Dozzi92 , 3 months ago

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.

Dozzi92 , 4 months ago

I did the ambulance thing for a bit. CPR calls, the back of the ambulance, despite being covered in fluids, looked like a recycling center. And none of it gets recycled, obviously, all just gets red bagged or containered. Everything is individually wrapped, and for obvious reasons, but I'd have days where I could match my family's plastic use for the week or more in 12 hours.

Dozzi92 , 4 months ago

I have people follow me to my car at the grocery store when they notice I'm in a good spot (there are other, less desirable spots available, mind you). I take my sweet time loading my bags make sure nothing will tip over in transit. And during the time I'm loading, sometimes I decide I need something from the adjacent liquor store.

I've never understood why people sit and wait for spots when there's spots available. Drive around. If someone is pulling out, sure, but don't watch people load their shit up.

Dozzi92 , 4 months ago

Yeah, except you're standing in the doorway, literally the frame of the door, waiting for one specific toilet to become available because it suits your needs, in spite of the one next to it being available as well, and now everyone's gotta brush up against you to get in and out of the goddamn bathroom.

Dozzi92 , 4 months ago

To be fair, your example would be more analogous to another grocery store. I will not be swayed from this pointless opinion!

Dozzi92 , 4 months ago (edited 4 months ago)

But the third choice isn't real so pick one of those. I too hail from '87 and it's kinda you're damned if you do damned if you don't. My goals are to set up a commune and disappear from society and hopefully fall off the grid with people I care about. Until then, though, kinda stuck with what we got.

Dozzi92 , 4 months ago

The only comment I could make is I feel sorry for the poor shlub who shares that backyard, because they may experience some glare. Other than that, I want one.

Dozzi92 , 4 months ago

Me too, but because I can't justify the cost of flying when I have a family. In fact, flying alone might be the better financial decision since I have life insurance.

Dozzi92 , 4 months ago

This makes the most sense to me. I need something. My field is in dire need of more people so I'm not terribly concerned about taking someone's job, but I'm also a long way from retiring, and who knows maybe the world won't exist in 30 years.

Anyway, when I have periods of slow work (independent contractor), I feel like my motivation suffers. When I have regular work, I'm also more on at home, cooking, cleaning, etc. When I don't have my work to keep my focus, I lose focus totally. Definitely a me problem, but my solution is to just do my job and things work out. Maybe it's a stress thing.

Have a nice day!

Dozzi92 , 5 months ago

No opinion on Haier but I also like the design. I appreciate an architect who designs something outaide of the literal box.