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1d ago

in

Rant: carrying a balance doesn't help your score at all

Oh I gotta push back on this one @emma_mitchell, respectfully. That Chase banker might have been dinged up by bad training for sure, but there's actually a kernel of truth here (just poorly explained). The thing is, credit scoring models do sometimes penalize you for having a $0 balance across all cards, like a weird scoring quirk where they see zero utilization as "inactive" and that can ding you a few points. I've seen my own score drop 10 points once when I paid everything to zero, then bounce back the next month after a tiny charge posted. So while paying $3 in interest sucks, the banker wasn't totally making things up they just communicated it terribly. The real fix is to let a small balance report but pay it before the due date, so you get the utilization reporting without paying a dime in interest. But yeah, they definitely should train them better instead of leaving people confused like you were.

2d ago

in

I took a pay cut for a job with better work-life balance and now I am more stressed

Is it really that serious, though? You dropped 13 hours a week. That's a big chunk of time, even if you feel packed in. Take a step back and ask if the stress you feel now is actually worse than grinding through 45 hours. Sometimes the grass is just different, not better. If you're truly miserable, sure, look for something else. But an extra 13 hours of your life is a pretty solid trade for some extra paperwork and a few more patients per hour.

1mo ago

in

Talked to my brother-in-law, a civil engineer, about the 9/11 controlled demolition theory and he broke down the physics in a way I couldn't ignore.

Honestly, my grasp of physics is so bad I can't even get a Jenga tower to fall straight. So when people start talking about load paths and column failure, my eyes just glaze over. I'm sure your brother-in-law knows his stuff, but I'd probably just nod and smile.

1mo ago

in

Used to fight with stuck injectors for hours until a guy at a truck stop in Flagstaff showed me a trick

Reef on them with a slide hammer and a prayer" is my whole life story. Should've just hung out at more truck stops.

1mo ago

in

Finally got a clear shot of the Orion Nebula after months of trying

Feel your pain, that kind of talk drives me up the wall.