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Joined 2 years ago
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Cake day: June 10th, 2023

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  • Surprisingly enough it’s incredibly technically feasible.

    The biggest challenge is actually maintaining good standing with the federal government because over the last 20 years or so they’ve been racking on more and more income taxes on foreign income, and if you live abroad as a US citizen you’re still legally required to pay income tax. Then once expats started renouncing their citizenship because of the rapidly increasing cost of maintaining a citizenship they no longer needed the federal government started throwing more and more barriers up to make it harde and more time consuming to renounce your citizenship



  • Because of that time horizon my wife briefly had no credit score at all. She trashed her score at 18 then never tried to touch credit again because “I already know my credit is trash” then it all fell off (and whatever went to collections had already been garnished from her tax returns and whatnot) and she effectively had a clean slate with no credit history


  • Its all part of the risk calculation that’s made by the loan companies that make these credit offers to those deemed to be high credit risk.

    Who they really are trying to hook are people who live paycheck to paycheck and keep rotating a balance of old loan balances and newer loan balances because between origination fees, interest, late fees and any other BS fees they decide to tack on they can make absolute bank indefinitely off of folks who struggle with budgeting and are constantly one surprise away from taking on more debt. Alternatively its folks who think in terms of monthly payments and nothing else


  • My wife has had bad credit for a good chunk of the time we’ve known eachother, and its really incredible seeing what circumstances cause the offer letters to start or stop flowing. Basically the only thing that made the offer letters stop fully was when she got a head injury and couldn’t remember to do any weekly or monthly tasks and defaulted on all 3 of her credit cards. That stopped the letters for a few months until the first couple of cards were paid off in full from collections and then the credit offer letters started flowing again.



  • Trainguyrom@reddthat.comtoMicroblog Memes@lemmy.worldWelp
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    5 hours ago

    The Fediverse has scaled impressively well and currently boasts millions of active users, and about the only thing that seems to actually be shaking smaller instances hosted by hobbyists on very tight budgets are if an AI scraper finds them and starts trying to use them as an ingress point to slurp up Fediverse content (which is honestly sad given they could simply spin up their own instance to suck data down via Federation)







  • Before I had kids I would’ve been right there with you, but I am in a completely different mindspace anytime I’m caring for my kids than when I’m not.

    When I’m in “dad mode” there’s a significant portion of my attention that’s constantly running through “Are the kids getting into trouble? When did I last see them? When were they last fed/watered/potty breaks? Are we about to pass something that they’ll see and decide they need to go to and therefore cost more time/money than I’ve budgeted for this trip and should I be taking a different route to avoid it? When did I last observe the kids alive, has it been more than 60 seconds I need to check on them again…” And the only way to break out of dad mode is if somebody else has taken over active care/monitoring of the kids or if the kids are both asleep in their beds. It’s a biological state that I seriously did not know was possible, and I simply can’t turn it off.

    So when I say I can’t forget my kids in the car, this is what I mean, I’m so actively aware of my kids location and status at all times that I’m the primary caretaker that they can’t even try to wander off in a park or store without my noticing