Thanks for posting. I was literally l looking for updates on this recently and couldn’t find anything. I was worried that it might have been forgotten about

Could they not smell it?

I just told a story about doing this in another comment

It wasn’t on a whim. I had a plan and it worked. I don’t think most people are doing what I did and they are just taking these loans out without a plan or understanding on how bad they can be.

https://lemm.ee/comment/20387513

I 100% fixed my credit score with these types of shitty high interest loans. I took it from 450 to 700 pretty fast.

I realized that credit score formulas are heavily weighted by payment history and credit balances. I had no credit card balances but I had bad payment record from being a stupid kid in college.

Once that dawned on me, I put all my debt into a high interest loan. Made a payment or two then my credit score would go up a bit, and I’d refinance to a somewhat lower interest rate. Those high interest loans kill most people on interest so they don’t have origination fees. I kept refinancing to better rates until I got down to a reasonable number. By then my credit score was 700 and I could make consistent affordable payments until it was gone.

I wouldn’t recommend this to most people. It takes a lot of research and planning. The financial landscape has changed a lot since then too.

NOTE: Just because I had a success story with these doesn’t mean I think the types of loans are good. I found a loophole.

I think this industry is fucking gross and they target people in my situation with little knowledge of how loans and credit work. It’s a shame the CFPB couldn’t do more to stop it and now they are dead too.

Biscuits. I am in tears, that was hilarious and I needed that. Thank you.

You can’t buy me new dresses, that would be unethical. But, I bet my husband would appreciate some new dresses. ( ͡~ ͜ʖ ͡°)

Anyone who has a 401k likely has Tesla stock, unfortunately.

Yeah, could have been called “kids are learning how circuits work thanks to TikTok trend” and suddenly the story has a whole other meaning

Ironically, I’ve learned a lot of new words and I can directly thank Trump for that. Words like insurrection and stagflation….

But do the drivers speak English? /s

I can’t afford to eat at McDonald’s, even if I wanted to.

I agree with comments on how he is still rich as fuck but he did earn 77mil in 2020 and now he’s down to 10mil.

Boycotts are working.

I don’t mind being shot standing up for what’s right, but I don’t want to be shot in the ass.

No worries! I’ve done that too! But it’s nice to see we all want to protect marginalized communities. Makes me feel better about the future!

That appears to be a man. I mean to say women play sports with women. Trans women are women.

Edit: I may not be making myself clear. When I say trans women, I mean a person who was a man at birth and now identifies as a woman.

Maybe I have the terminology wrong?

Yeah that’s the point I was trying to make but it’s clear to me now, I was sounding anti-trans women in sports.

I was saying there are contexts when cis women perform better than trans women and vice versa. Depends on so many things like the sport and the people involved that you can’t just outright ban trans people from sports.

Also, there are so few trans people in sports that they aren’t able to get quality studies done. If there are that few people, why are conservatives spending time trying to harm the trans community? Just leave them alone. They are humans too.

No that’s not what I meant. To be clear, I support trans women playing sports with cisgender women.

I want to be accurate and honest when speaking about it or our side is just as slimy and shady as the other side’s argument.

No, I’m saying we should just allow them to play sports because they’re human just like us.

I’m just saying there is basically no data and there are certain sports where cis women have an advantage of trans women, just as there are sports where it’s the opposite.

I think it’s important to make decisions with factual data and be honest up front. If I tell someone studies show I’m right and then you later find out that I was only talking about one random study with 1 woman, they’re less likely to believe me, if if what I said was valid.

I agree with most of your post. And also, I want to be clear that I support trans people participating in sports.

The problem with studies is that there is literally no data. This is such a statistically insignificant problem there isn’t enough data to go on. There were like 20 trans athletes in total for one of the larger studies.

The data we do have shows mixed results. Trans women tend to perform better in sports that require physical strength, such as weightlifting.

They do not perform better than cis women in cardio events such as running and swimming. Their smaller muscle mass can’t keep up with the larger frame.

Regardless, I think the value that comes from participating in sports is too important to not let them play.

A lot of the bans of trans kids in sports seem to be happening at the age where sports are co-ed so the whole thing is fucking stupid. Just let people play sports.

EDIT: Me: “I’m trying to say I support the trans community and want them in sports.”

Everyone else: “why do you hate trans people?”

Like are we so angry at the world that we instinctively yell at people agreeing with us?

I came here to quote this. 🫡