LilB0kChoy
@LilB0kChoy@lemm.ee
- Comment on Meta and Palmer Luckey's Anduril Industries partner to build EagleEye, a new AI-powered weapons system, including rugged helmets, glasses, and other wearables 1 day ago:
Jerry and Rachel are two strangers thrown together by a mysterious phone call from a woman they have never met. Threatening their lives and family, she pushes Jerry and Rachel into a series of increasingly dangerous situations, using the technology of everyday life to track and control their every move.
- Comment on T-Mobile secretly records iPhone screens and claims it's being helpful. 2 days ago:
The article doesn’t specify where and they don’t say T-Mobile US. They do say that it’s the T-Life app that records the screen while using it.
- Comment on I want a chav boyfriend. Where can I find adult chavs? (If you don't know what that is, they're called bogans in Australia and rednecks in the US) 2 days ago:
Your comment reminded me of the user on Reddit who would start out a comment talking about the whatever and then halfway through it became about Undertaker throwing Mankind off Hell in a Cell.
- Comment on WTF is a rural town in the USA? 2 days ago:
Just wait until you find out about town_ships_.
- Comment on T-Mobile secretly records iPhone screens and claims it's being helpful. 2 days ago:
Does T-Mobile operate in Europe? I thought they were a US carrier.
- Comment on And this is why I hate the internet 😭 4 days ago:
Pass
- Comment on BlackRock is Suing UnitedHealth for Giving “Too Much Care” to Patients After the CEO was Murdered 4 days ago:
I’m unclear on what you’re asking. Are you asking what’s the point of suing BlackRock?
- Comment on And this is why I hate the internet 😭 4 days ago:
Makes sense. Both the Venus and the other usually are used to indicate to indicate reproductive organ removal, Venus for female, Mars for male.
I clicked the user provided context links before I saw your comment and saw the artist refers to the character as she/her. No idea if the symbol is to indicate transition or has more of a feminism connotation.
- Comment on And this is why I hate the internet 😭 4 days ago:
Yeah, I clicked the context links and the artist refers to the character as she.
- Comment on And this is why I hate the internet 😭 4 days ago:
It is and I appreciate you pointing that out because I want to be inclusive. Assuming you’re referring to trans-women I would argue that’s not castration as a trans-woman is a woman with or without testicles and castration is defined as removing the testicles from a man/male. I like to think of bottom surgery as a biological correction.
- Comment on I knew it 4 days ago:
Square footage of Taylor Swift’s house: 11,000 square feet
Square footage of the average US house: 2,417 square feet
mansion noun man·sion ˈman(t)-shən : a large imposing residence
It’s a mansion.
- Comment on And this is why I hate the internet 😭 4 days ago:
I think the word you were looking for was spayed?
Hard to castrate a female.
- Comment on BlackRock is Suing UnitedHealth for Giving “Too Much Care” to Patients After the CEO was Murdered 4 days ago:
Any attorneys willing to weigh in, hypothetically, about if BlackRock wins, whether this would open them up to suits from UHG benefit members?
My thinking is if BlackRock wins and UHG goes back their old denying claims ways, could a patient who doesn’t get necessary care OR family members if they die due to a denial sue BlackRock with an argument to damage and harm from BlackRock’s actions?
- Comment on Just got charged for reading it 4 days ago:
You’re allowed to buy electricity from a separate broker than your “power company”
I’m curious about this, would you be willing to elaborate?
Where I live we don’t have a choice of electricity providers for my home. Are you talking about states that have deregulated energy markets?
- Comment on What are the ethics behind purchasing a book from an author you don't agree with? 5 days ago:
Where? They don’t in the US.
- Comment on Valve CEO Gabe Newell’s Neuralink competitor is expecting its first brain chip this year 5 days ago:
It was. ( ͡~ ͜ʖ ͡°)
- Comment on I got that dept in me 5 days ago:
This will be my last response to you, you clearly didn’t even read the articles I linked. Who BNPL targets is directly related to the part of your original comment I replied to and the conventional wisdom of not spending money you don’t have. Here’s the relevant information from the article:
Credit score gives an indication of how disciplined a borrower has been in repaying his/her loans. Most traditional lenders like banks and non-banking finance companies (NBFCs) rely on credit score data before approving a conventional loan or credit line to a borrower. However, New-To-Credit (NTC) are those prospective borrowers who have never taken a loan, or any other credit line, hence, do not have any credit history that a lender can assess. So, for such borrowers the propensity to avail a credit option like BNPL remains higher and this is the reason they are the focus segment of BNPL lenders.
Most of these are either young consumers or people who do not have any formal credit line like credit cards or EMI cards for making payments. This is the reason why this group is most vulnerable to adverse impact of default on any new credit because of being unfamiliar with credit and the consequences of default. So, if you belong to this group you need to make sure you do not default on the payments if you opt for a BNPL scheme to make a purchase. Repayment of BNPL is tracked and reported to the credit bureau
BNPL offers short term credit through credit free period ranging from 15 days to 45 days after which the borrowers are required to pay the entire due amount. If you think that it’s a small credit and hence any default will not have any consequences, then you are wrong.
Similar to any formal credit like a loan or credit card, the repayment track record of all borrowers using BNPL is reported to the credit bureaus. “BNPL which are offered in partnership with Banks and NBFCs. are reported to credit bureaus and repayment behaviour of the same impacts bureau score,” says Anurag Sinha, Cofounder & CEO, OneScore, a credit score management platform. So, any complacency in terms of default may stick to your credit history which would not only bring down your credit score but could raise the cost of future credit steeply and in worst case it may also prevent you from accessing credit in the future.
While many traditional lenders may reject the borrowers who have low credit score, the chances of such borrowers getting credit through BNPL is higher because BNPL players depend on their internal assessment besides the credit score.
“Given the segment we target (lower income and self-employed), these households are often susceptible to disruptions in income that results in poor credit profile. These borrowers are not inherently risky and a lender needs to offer a product that is flexible from a repayment standpoint to ensure it is of maximum relevance. If the product is constructed the right way - these customers find it easy to manage their repayments,” says Vishwanathan.
You want to talk about “how you can properly take advantage of said service” but in your example the only way to take advantage is if you already have the money. Spending money in a BNPL scheme when you don’t increases your risk exponentially and one missed payment, one default, can follow you on your credit for years. This is why it’s both relevant who BNPL is targeted towards and why “not spending money you don’t have” is the best advice to give anyone about ANY credit scheme.
- Comment on I got that dept in me 5 days ago:
as long as you can comfortably afford it
Functionally, there’s not a whole lot of difference between splitting it into 4 125$ payments on your paychecks, or stashing 125$ from each paycheck to savings.
There is, though. Spending the $500 you have in savings is an even exchange. Money for goods/services.
Spending money you don’t have through BNPL means you’re exchanging a ‘promise to pay’ or an IOU for goods and services. What happens if you don’t pay on time? How much more than the actual purchase price will it cost?
- Comment on I got that dept in me 5 days ago:
- Comment on I got that dept in me 5 days ago:
Now ofc there’s caveats, like everything there’s nuance. Like every other type of credit, whether it’s complimentary to your finances or devastating to it depends on your impulse control, financial literacy, planning and reasons for using that credit.
That’s a lot of words to say don’t spend money you don’t have.
- Comment on Valve CEO Gabe Newell’s Neuralink competitor is expecting its first brain chip this year 5 days ago:
Maybe they could use the implanted chip to wall off your non-work side when you enter your office so you’re not distracted and fully focused on your job.
Then when you leave your work side gets blocked off so you can leave work at work. Automatic work/life balance.
- Comment on Do you think a story that mixes magic with super advanced technology can work? 6 days ago:
“Any sufficiently advanced technology is indistinguishable from magic.”
-Arthur C. Clarke
- Comment on A “victim blaming” row has broken out on social media, after a cyclist uploaded footage of what he described as the “closest pass I’ve ever seen” 6 days ago:
I watched the video. Clearly the van is in the wrong.
Two points though:
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Laws are different everywhere for cyclists. Everybody should know those rules in their jurisdiction, drivers and cyclists. Where I live you can take the lane but you still can be passed by vehicular traffic and you’re obligated to use a bike lane if available.
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Being in the “right” isn’t a magical shield, always ride like everyone else on the road is trying to kill you. Better to end a ride in one piece than to end up dead or injured proving you were in the right.
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- Comment on YSK that in 16 States in the USA has banned Ranked-Choice voting, including 5 that has just banned it in 2025, and 6 of those bans happened in 2024. 1 week ago:
I don’t know because they shouldn’t be.
Republicans like Senator Tom Cotton and Donald Trump have garnered headlines for stating their opposition to ranked choice voting after election results didn’t turn out exactly as they hoped. Their preferred candidates, Sarah Palin in the House and Kelly Tshibaka in the Senate, didn’t win. Both are Republicans. So, they claim (loudly) that RCV is biased against Republicans or “rigged.”
- Comment on YSK that in 16 States in the USA has banned Ranked-Choice voting, including 5 that has just banned it in 2025, and 6 of those bans happened in 2024. 1 week ago:
Idiots out wandering around. Not everybody in the state is an idiot but the ones that are, are out wandering around.
- Comment on YSK that in 16 States in the USA has banned Ranked-Choice voting, including 5 that has just banned it in 2025, and 6 of those bans happened in 2024. 1 week ago:
Nope. I live in Minnesota and I’m well aware of what I.O.W.A. stands for.
- Comment on YSK that in 16 States in the USA has banned Ranked-Choice voting, including 5 that has just banned it in 2025, and 6 of those bans happened in 2024. 1 week ago:
Tl;dr
I was curious so I had to go look and see what states banned it. I was shocked, shocked I tell you to see the states that banned it are:
Alabama
Arkansas
Florida
Idaho
Kansas Kentucky
Louisiana Mississippi Missouri
Montana
North Dakota
Oklahoma
South Dakota
Tennessee
West Virginia Wyoming - Comment on 7 for me 1 week ago:
That makes sense! Thanks! I’ll have to start using that.
- Comment on 7 for me 1 week ago:
Dual income no kids but what is the rest? What does the WADS stand for?
- Comment on [deleted] 2 weeks ago:
I feel like this depends a lot on age and life situation until eventually you get old enough and then you’re just buying things as you want/need them.
