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Joined 1 year ago
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Cake day: December 11th, 2023

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  • “A Transport For London camera study of 7,500 cyclists at five junctions found in 2007 that, contrary to popular perception, most cyclists do not run reds: 84% of the cyclists stopped at red traffic lights.”

    This surprised me. I haven’t noticed that many cyclists running reds. The tone seemed to suggest that was a good statistic for some reason. That is way too high. If 16% of cars ran red lights my life expectancy would be about three days. I’m in favor of cyclists bending or breaking rules to protect themselves but I don’t think running reds qualifies. Everyone should always stop at reds. I’m a bit of a scofflaw when it comes to some traffic laws but that’s too far.





  • You guys are talking about different things.

    Credit utilization of 0% doesn’t mean paying your cards off on time every month so you avoid interest. It means paying your cards off before the statement period even closes so nothing is reported to the credit agencies.

    I do this. All my cards have a statement period ending on the 19th or 20th. Around the 17th every month I pre-pay so my statement is $0 on every card.

    When I use a card after doing this and the charge goes through before the statement closes, my FICO score goes up (vantage doesn’t seem to do this).

    For the last 18 months or so my FICO has been going up 22 points every time there is at least a little balance to report and down 22 points every time my credit utilization is 0.0%.








  • If you want to know how bad we’re being fucked, search for the PPI, the producer price index. CPI, the one we always hear about, is the measure of inflation to us, the consumer. The PPI is the measure of inflation to producers, what they pay for goods and services to produce the goods and services we buy.

    The PPI has been back to “normal” for a while now. Pretty much as soon as the post COVID logistics issues were mostly ironed out. The difference between PPI and CPI changes is pure profit.

    We don’t get daily articles on the PPI though, I wonder why.

    Edit: tell people about PPI whenever you can, online or off, the more people know, the better. It’s easy enough to say inflation is just down to greed but being able to back it up by comparing two simple charts will help people really understand.




  • You can’t get it in the boonies. I live in a city and my insurance, with an earthquake rider, is only a few hundred a month. My coworker lives in sparsely populated area (by the standards of this metro area) and his insurance costs a little over 7x as much, and continues to rise.

    And it’s deserved too. These people move out there because they’re the type that want to “own land,” but then none of them maintain it. I’ll go over to his house for a party and be in the backyard and everywhere I look, his property and every property it touches, as soon as you go beyond the area immediately around the house that is actually used, the entire ground is covered by kindling. One dropped cigarette and his entire neighborhood is gone.