“Since I got my first credit card, I used it for all my purchases but paid it in full each month, building a good score — or so I thought. When I went for a car loan, I was denied because I was a ‘thin file,’ meaning I never paid any interest.”
My friend just got denied a mortgage because of this bullshit. Like what the actual fuck!? You’re a responsible borrower but you committed the ultimate sin of NOT PAYING THEM INTEREST!
… Like what the fuck?
building a good score
“Being a good slave”
Yes, it’s a real thing. When I worked at a major bank the customers that would pay in full monthly on their cards were considered the “bad” customers. Those that paid only minimum and got hit with late fees were our “good” customers.
From their perspective, they make nothing off of people who don’t pay interest or fees. Thus, it only makes sense that the “best” customers are the ones carrying a balance, because they’re the ones who generate profits.
They still make a percentage of each transaction. But it sure isn’t 18% interest
I was curious about the adoption thing and didn’t wanna just weigh in on vibes, so I took 5 seconds to search it and yall…
Some of this is bleak.
https://time.com/6051811/private-adoption-america/
Anne Moody, author of the 2018 book The Children Money Can Buy, about foster care and adoption, says the system can amount to “basically producing babies for money.”
Claudia Corrigan D’Arcy, a birth-parent advocate and birth mother who blogs extensively about adoption, says she routinely hears of women facing expense-repayment pressures. Some states, such as California and Nevada, explicitly consider birth-parent expenses an “act of charity” that birth parents don’t have to pay back. In other states, though, nothing prohibits adoption entities from trying to obligate birth parents to repay expenses when a match fails.
Doesn’t pledging allegiance to a piece of colored fabric count as “worshipping a false idol?”
You know… considering they’ve got that whole ten commandment thing coming and all.
13."The working class being gaslit by the 1% to blame the rest of the working class for all of their problems. The amount of people I see thinking their tax dollars are paying for student loan forgiveness, social security, WIC, Medicaid, or welfare is just so ridiculous. You can literally look up exactly where your tax dollars are going. It’s not ‘fake news;’ it’s readily available.
This one drives so many of the other problems. I constantly hear (mostly from my conservative neighbors) about how we shouldn’t be spending so much of our tax dollars on various programs. One of my neighbors was recently complaining about paying for school bus drivers.
Here’s a chart showing where your taxes go.
Wanna know what’s the most ridiculous about it? That chunk going towards healthcare is for a minority of the population. The US ends up paying more per capita than any other country to cover a minority!
Only boomers deserve health care and we are paying for it for them lol
Clown system where poors are directly paying for older rich
This is some garbage. Adoption is NOT buying and selling children. I mean, I guess that happens under the guise of adoption. But tons of kids in foster care need permanent homes and loving families, and their biological family is not an option for any number of reasons. It is a tragedy that this happens, but fuck off with this narrative that adoption is buying and selling kids. Tons of other shit in there was bogus too. Fuck this article.
I’m not super familiar with adoption but I’m pretty sure there’s no buying/selling going on. There are costs with adopting a child but those are costs for the process, not the child itself.
And the credit rating one I can certainly get behind but some of it sounds like BS. I’ve never paid interest on credit cards and my rating was good enough to get the best possible rate when I purchased my home. There was quite a significant time between the start of my credit history and the purchasing of my home. At least 15 years. My credit rating hasn’t changed significantly in years though.
And the credit rating one I can certainly get behind but some of it sounds like BS
It is. There’s no change to your credit rating or report over whether or not you paid interest. It’s not even a reported statistic. At best, you could argue that if they see the credit utilization is low and your payments are always on time that you probably don’t pay a lot of interest, but that is a typical indication of good credit.
It’s more likely that they had one credit card and not that long of a credit history with it.
One credit card. Low credit limit. No loans ever. All the lender sees is a responsible poor person.
5.“Buying and selling children — aka adoption.”
I mean…Then what should we be doing? Just leave those kids to the streets/Foster homes? And I’m pretty sure other countries have adoption. I’m probably just uninformed, but I have no idea what the alternative should be.
(I understand if our current procedure needs refining, but I don’t see why adoption is inherently bad)
Edit: I had no idea other countries didn’t have to pay for adoption, I thought was was the norm and thought they were talking about process. Guess I’m the example of what the article was talking about.
“Edit: I had no idea… I thought it was the norm”
Thanks for confirming the article 😁
not a lawyer or an expert but a quick Google seems to indicate in the US you have to pay to adopt a child, whereas I believe it’s free / you get paid in European countries.
Adopting children from US Foster Care systems actually come with perks (guaranteed Medicaid) and a stipend of sorts. Adopting newborns can cost $50k. It’s wild.
