Just a guy jumping from a hot mess into more prosperous waters.

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Joined 1 year ago
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Cake day: June 22nd, 2023

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  • A lot of nuance will be missed without some gradation between “I <3 China” and “Down with Pooh!” For example, if we added “Slightly favorable”, “Neutral”, and “Slightly unfavorable” we would begin to see just how favorable younger generations are. Rather than presume there is a deep divide on trade policy, if two bars are almost equal, we may see they are largely neutral. Similarly we could see just how favorable their views of TikTok really are by looking at the spread between neutral to “I <3 China!”






  • I feel that this can be addressed at application step. Any date of birth proven to be under 18 cannot apply without an in person interview. This protects minors from taking on debt without fully understanding the implications, and puts responsibility on the lender for providing credit to a minor. If credit is provided and defaults the debt should be the lender's problem for taking such a huge risk.

    Alternatively, the same premise with the exception that an adult is required as a cosigner. If the account defaults the burden is shifted to the adult as they have the cognizance to understand and take responsibility.

    I wouldn't outright ban giving accounts to minors. My parents opened a savings account in my name and kept it in good standing. This gave me a big credit boost that my peers never had. But I realize I am an exception, and the problem others face is very real.


  • Just a side piece to the discussion: many of the surviving paints of Christ are biased by the author towards appearing more like the people of the area, in addition to symbolism of the era. Christ Pantocrator of St. Catherine's Monastery is one of the oldest depictions of Christ and deviates from the modern European style.








  • There’s also an underlying layer to this problem with a specific type of home owner: the foreign investor. These individuals use American properties to hide their wealth from their home countries. Tax evasion, high ROI, and increased scarcity in every purchase. Homes often go months and years without occupancy, sometimes with minimal furnishings so as not to appear vacant.

    I’m not saying foreigners shouldn’t buy homes in America. However, if they do buy a home they should be required to occupy each individual property for a minimum of 6-9 months every year. Otherwise, a heavy tax that exceeds the property’s/ies annual appreciation to encourage occupancy or selling would be ideal.