Do they know it’s my thought or do they think it’s their own?
w3dd1e
I just told a story about doing this in another comment
It wasn’t on a whim. I had a plan and it worked. I don’t think most people are doing what I did and they are just taking these loans out without a plan or understanding on how bad they can be.
I 100% fixed my credit score with these types of shitty high interest loans. I took it from 450 to 700 pretty fast.
I realized that credit score formulas are heavily weighted by payment history and credit balances. I had no credit card balances but I had bad payment record from being a stupid kid in college.
Once that dawned on me, I put all my debt into a high interest loan. Made a payment or two then my credit score would go up a bit, and I’d refinance to a somewhat lower interest rate. Those high interest loans kill most people on interest so they don’t have origination fees. I kept refinancing to better rates until I got down to a reasonable number. By then my credit score was 700 and I could make consistent affordable payments until it was gone.
I wouldn’t recommend this to most people. It takes a lot of research and planning. The financial landscape has changed a lot since then too.
NOTE: Just because I had a success story with these doesn’t mean I think the types of loans are good. I found a loophole.
I think this industry is fucking gross and they target people in my situation with little knowledge of how loans and credit work. It’s a shame the CFPB couldn’t do more to stop it and now they are dead too.
Biscuits. I am in tears, that was hilarious and I needed that. Thank you.
I had a coworker say cisgender was an offensive word. She is typically very openminded and supportive of the LGBTQ+ community so I was surprised.
Turns out she didn’t know what it meant. She just heard people use it with disdain and assumed it was offensive.
I do not understand other people.
My niece is non-binary and we run into this issue. Now, I just ask people who identify as non-binary. “When there isn’t a good non-binary term to use, do you prefer me to use male or female words?”
So far, the non-binary people I’ve asked seem to appreciate the question.
You can’t buy me new dresses, that would be unethical. But, I bet my husband would appreciate some new dresses. ( ͡~ ͜ʖ ͡°)
Anyone who has a 401k likely has Tesla stock, unfortunately.
Yeah, could have been called “kids are learning how circuits work thanks to TikTok trend” and suddenly the story has a whole other meaning
Ironically, I’ve learned a lot of new words and I can directly thank Trump for that. Words like insurrection and stagflation….
Dollar Shave Club makes 6 blade razors in the US. I just saw them at the grocery store yesterday.
We’ve been trying to reach you about your car’s extended warranty.