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Joined 2 years ago
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Cake day: June 8th, 2023

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  • Wahots@pawb.socialtoAsk Lemmy@lemmy.worldHow bad did I fuck up?
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    6 days ago

    You most likely have a number of credit inquiries on your account now. The bad news is that it hurts your credit score. The good news is that they go away over the course of a few years to five years. I’d do a lot of research before getting another card. Get a basic one. I use mine for modest purchases like groceries. Credit cards also benefit from purchase protection, and serious tradeoffs like Rewards, which come from transaction fees (which in turn tend to raise prices on all goods that accept credit cards. There’s no such thing as a free lunch).

    You shouldn’t be maxing your credit anyways, so 5k should be fine. Pay it off every month, the interest rate is insanely high if you fall behind. It’s better to get a loan from a bank for massive purchases.

    Ps- I wouldn’t get a card that has annual charges, unless you are doing like, a shitload of foreign transactions whose transaction fees exceed the cost of the annual CC fee. Usually this doesn’t pencil out unless you are Canadian and there’s an American Costco a 25 minute drive from your place near the border.



  • Paternity leave is a no brainer for families of all stripes. Both spouses should have time off to care for their children in the first year of their life, especially during the vulnerable first year before they are immunized against dangerous diseases. And I’m in a same sex relationship, so I’m definitely using it when we are ready to have kids, haha.

    Honestly, each parent should have 6 mo of paid leave.

    Edit: adding onto this, all men’s bathrooms should have changing stations. It’s insane that some women’s do, but men’s do not.










  • No. Even if they dramatically changed on all fronts, became a democracy, promoted LGBT+ and racial civil rights, broke up their concentration camps, stopped surveiling citizens, gave people true elections, and stopped cracking down on political opponents, their nation is facing an extremely serious gender and population imbalance, one that will have drastic impacts on their society and stability in the next 30 years. A large portion of their workforce is going to retire and cannot be sustained by the smaller population that are kids and teens now. There’s also a severe gender imbalance from the One Child Policy favoring boys over girls. There’s no getting off that train, and shit like incel culture and a ton of retirees causes bad political instability. Or wars, to distract from problems at home, like what Russia is doing.

    It’s going to be a massive problem since they don’t have much in the way of immigration, and even if they got a ton of people pregnant now, they are still facing down a 10+ year deficit of people.

    Hell, the only reason why we aren’t in the same boat is that we didn’t implement boneheaded policies like that, and immigration helps offset our birthrate being below the replacement rate of people. We depend on immigrants as much as they depend on us.