131–140 of 247 posts
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Ok, I’ll indulge you. What is the 2+2=4 for you that you are prevented from saying?
Not nanis but i have been in places where i couldnt say my opposing as persons talked about gun control. Biggest example in past year is corona though, anybody who disagree with lockdown etc. is anti-mask trump loving redneck in some place, one of which I worked.
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Various parts of the U.S. are already there. You know where those are if you live in them. Ask yourself: How many times have stopped yourself from asserting 2 + 2 indeed is four[1] in conversations with colleagues, neighbors, teachers, or even family because you may lose your income or worse if you did not at least remain silent in the face of assertions to the contrary? For those not familiar, here is the beginning…
Ok, I’ll indulge you. What is the 2+2=4 for you that you are prevented from saying?
Hey, they got that system in place already in China! https://en.wikipedia.org/wiki/Social_Credit_System Go to HackerNews, post a dissenting topic, enjoy no travel or credit! Work in a high compliance job where you have to submit financials yearly, no more!
What is sad is I think as generations go by people will be more willing to accept it. All we need is crisis after crisis to get people to trade freedom for safety bit by bit. Create a crisis where billions are stolen because "the system is broken", offer up social credit and a new monetary system as a solution, have the AP and Reuters send the same propaganda copy to all the news institutions for them to recite in un…
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Ok, I’ll indulge you. What is the 2+2=4 for you that you are prevented from saying?
Question vaccine safety or efficacy in a public forum and you'll see soon what censorship means.
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You never need to pay interest. If you pay your statement balance by the due date you'll never pay interest but your statement will reflect a balance.
Credit cards make money on the transaction side, so they don't need you to pay interest to make money. Simply borrowing against your credit card (i.e. performing transactions) is sufficient to keep them happy, and they 'reward' you with a higher score as a result. At the end of the day, a credit score indicates how profitable you will be as a customer for a lender. Showing profitability for a lender in a past indicat…
Somehow I have a feeling that each passing day, things are getting tighter and tighter and private corporation and government institutions are getting more controlling and totalitarian. That feeling like slowly being boiled into 1984.
Apple is already half way there to be honest.
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> Why then do we not take income into account in credit worthiness? We...do. Any significant credit application will look at your employment history, income, and credit score, not just the latter. > Why do I not periodically upload my W2 or tax return to the credit bureaus in order to show that yes, I'm credit-worthy because my income makes it possible to service my debt? Credit reporting companies do gather and prov…
In reply to your first point, the original article discusses credit score, which does not use income in any way. You're talking about applying for loans, which use a credit score and other factors to determine credit worthiness. My points are relevant to the credit score only. Consider the fact that conflating credit score to credit worthiness (respectfully, as your reply does) as the biggest indicator of the brokenn…
Current income, W2, working or not, all of this is a second factor, separately determined by the lender.
Web browsing habits are odd in either category.
Credit scores are so fundamentally broken anyway. In financial analysis of a company, the number one item you tend to look at is "free cash flow" - the "cash available for the company to repay creditors or pay dividends and interest to investors." [1] Why then do we not take income into account in credit worthiness? Why do I not periodically upload my W2 or tax return to the credit bureaus in order to show that yes,…
> Why then do we not take income into account in credit worthiness? We...do. Any significant credit application will look at your employment history, income, and credit score, not just the latter. > Why do I not periodically upload my W2 or tax return to the credit bureaus in order to show that yes, I'm credit-worthy because my income makes it possible to service my debt? Credit reporting companies do gather and prov…
Sounds unethical.