Calm down, Bernie Sanders. It's a metric used for risk determination, it's not a scam. If you wanted to talk about misuse of the metric to determine outright costs for things other than loans, I'm all ears (looking at you, insurance companies). But to stomp your feet and call it a scam is misguided at best.

You stated your score dropped from 790 to 720 by paying off debt. That makes sense, because part of the score (they publish this too, if you care to read it) is credit utilization. While the bullet points say things like 'under 30% utilization' because most people are debt heavy, it's also true that no utilization will impact your score. Generally not to the point you'll not qualify for the best loans, but it indeed will drop. I too saw my score drop, from 850 to 837 as I paid down debt and carried too much of my liquid assets in cash. Am I worried about it? No. Want to bump your score back up? Use some credit so you have long-standing accounts with activity hitting the report.

I learned that lesson early in life when I was trying to establish a credit rating in preparation for buying a house. No matter how good I was at managing my money, my score was in the toilet. Denied for credit cards, denied for darned near everything. Store credit card with a limit of $100. Frustrated I asked my banker what the heck was going on, and he point blank said "stop paying everything off right away, you don't have any history of using credit to build a risk profile from. Carry a balance on the store card, even if it's $10, for three months then come back and talk to me." Seemed counterintuitive, but I did as he suggested and was approved for a VISA with a $2500 limit. Kept that card active each month with low utilization, and within the year I bought my first house. Had no issues with getting the mortgage approved.

If you can't trust the info it gives, it's worth nothing.

Actually no, I'm not. Anyone who has used it, likewise will not be surprised.

I see. Can you name any of the dark money orgs funding right wing influencers? If we're going to be pointing fingers, let's get them all out in the open so everyone can be more aware.

Problem is there are bigger idiots who will still buy the car. Look at BMW and their subscription seat heaters. BMW is smart enough to not charge a sub for the turn signals tho.

They've been talking to the 'water is wet' researchers

tl; dr;

The appeal of the Model M was not the look, it was the feel. Not even the sound, while captivating to many, isn't what most of us like. It's that sturdy, stable, consistent, predictable, tactile response of the keys. I have yet to feel a mechanical keyboard produced in the last decade that marries all of those qualities even a fraction as well.

Such a brave way to advertise your ignorance, bravo.

Okay only a single data point, but here's a scenario that I can't imagine is unique.

I hired a junior full stack developer with a small portfolio of simple work. Started out with matching skill tasks, and grew over many months in complexity. As the complexity grew, the work output became slower and messy to be polite. We're not talking about jumping from 'edit this html' to 'design and build this ERP' but think standard stuff - build the api and the front end for a 10 view app. Eventually a brick wall was hit and there was frustration on both sides. I decided to sever the relationship.

In doing a more thorough review, I started noticing some common syntactical choices. Ones that got me curious enough to wonder why the developer would have reused some specific variable names, for instance. So I decided to call a hunch and sure enough, asking ChatGPT to build various things would spit out nearly verbatim code as what I was seeing in the commits. It was clear why there was a brick wall - the code given by AI was nearly always based on an example you would find on the developer's site, usually out of date and written against an older release. If you don't really know what you're doing and relying on an LLM to build things, you're in trouble. So in this instance, the focus was on reiterating with the AI versus taking its output as a shortcut to learning the platform.

So AI is fine, and I use it myself, but at this stage it's just a fancy search engine that can rewrite things. It's great for say translating a class between languages, or giving it a big chunk of JSON and asking it to build a model around it, or giving you a (broken) example of how you might accomplish some task in a language you're not completely expert in, but you can't accept its output as complete and ready to build.

Recipe for success?

1. 1. Make college very expensive
2. 2. Teach very little, build no usable experience
3. 3. Make every graduate believe they're worth six figures out of the gate

I've had significantly better luck hiring people who want to learn on their own, and providing them everything I can to help.

The iPhone is great. The Mac is great. The thing in the middle, which is very much a blending of the two, isn't quite as great.

Posting that won't flip the script. Lefties have to own this recent explosion of racism, especially the worst kind where white liberals offer their "help" for "those people" who can't do basic things themselves like get an ID card, use the internet, or like this article says earn good grades. I mean seriously, how demeaning can you be. It isn't help, it isn't appropriate, it doesn't elevate you above anyone trying to think you're a good person for doing it, and it is absofuckinglutely racist as shit.

Do you know what's in the garage at home? In the school I went to, the teachers drove their winter beater year round because of the vandalism. While they weren't hiding Maybachs and Bentleys, they did have nicer cars than what sat in the school parking lot.

Another day, another panic inducing story the authors hope goes viral so they can capitalize on unfounded nonsense "science." Bring on the grant money.