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Joined 1 year ago
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Cake day: August 14th, 2023

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  • That’s why death penalty shouldn’t exist for crimes like a wife killing a husband. You might be 99.9% sure she poisoned him, but you cannot know for sure.

    However, a school shooter caught red handed shooting a school?

    Some crimes and scenarios can warrant the death penalty in my mind

    Next argument is “what if the government framed people to execute them?”

    Why in the world would the government point out that they are executing someone?

    If the government (the rich controlled government) wants you dead they would do it quietly.

    Even something as simple as cutting your brake lines. You really think local police are going to figure out that the government had soldier 65478 tamper with your brake lines?



  • Sludgeyy@lemmy.worldtoMemes@lemmy.mlYes, but
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    4 months ago

    Good take

    I wouldn’t even be against sharing some information so they could give me better ads

    I’m not in the market for a new car. I don’t need car ads.

    But knowing I shop at Something Hardware a lot and they are having a spring black friday sale on the tool I’ve been eyeing would be nice.

    Even still Something Hardware just slapping their logo in an ad is not helpful at all.

    If ads were helpful they wouldn’t be annoying







  • Sludgeyy@lemmy.worldtoMemes@lemmy.mlThe panzer has spoken
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    9 months ago

    Easy way to do %

    Say you want 6% of 45

    Seems hard right?

    1% of 45 is .45

    .45 × 6 =

    .4 × 6 = 2.4

    .05 × 6 = .3

    2.4 + .3 = 2.7

    So 6% of 45 is 2.7

    Extra:

    Say you want an item that is 40 dollars and it is 20% off.

    10% is 4 dollars.

    20% is 8 dollars.

    So item would be 32 dollars.






  • Getting a new card will temporarily drop your score a few points.

    If you’re like me that charges everything to a credit card, then you need a lot of available credit to keep the credit utilization low. You want it below 10%.

    High credit utilization is going to drop your score more than opening a new card.

    Say I have 1 card that has 15k limit. If I spend 10k on it. I have a 66% credit utilization. My score would be horrible.

    Now, if I get 7 cards and each have 15k limits. If I spend 10k on them then I have less than a 10% credit utilization and my score would be good.

    Can I get 1 or 2 cards that have credit limit of 105k. Yes. But I have found increasing limit is harder than getting a new card.

    With a new card you can get 0% apr which is free borrowing of money for 12 to 15 months.

    You can get a welcome bonus which are usually very good.

    And you can set it up so that you might be getting more rewards like 5% cash back on dinning or other things that another card might not give.

    Getting more cards has it’s advantages


  • I’ve always found it difficult to increase the credit limit on cards I have had.

    My first card started at 400, and then after a while, I finally got approved for a credit line increase, and it went to 1000.

    A couple of months later, I opened a new bank account and got their credit card. I had like a 15k credit line at the start.

    I’ve never asked for a credit line increase again

    However, add on some more cards, and now I have a hefty credit line

    The best thing about getting a new card is the rewards and perks.

    For example, I just got a new card with 0% apr for 15 months. I get to borrow money conveniently for over a year while making interest on it. I get to keep my money in my investment portfolio while making interest the whole year.

    More cards with higher credit lines means I can spend more during that 15 months while not affecting my credit score. It keeps credit utilization low.

    Yeah, credit cards are easy to abuse. You should always be able to pay off a credit card if need be. You shouldn’t be overspending. Emergencies unfortunately happen, but unless you have the money, you shouldn’t be swiping the card. Treating it like a debit card is the best policy.