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Joined 1 year ago
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Cake day: July 3rd, 2023

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  • Eh… The US economy is practically driven by lending to the individual consumer. Banks created a system to identify risks to lending to individuals. Higher scores mean less risk of a bank losing money on an individual. So those high scores are presented with higher credit limits and lower interest rates.

    The issue with the individual credit score is that it has become ingrained in society as a litmus test for trustworthiness and credibility. So low scores are rewarded with higher interest rates, lower credit limits, and hit with bigger deposit requirements. Background checks for employment and housing are probably the biggest issue in this regard. If there is a score-tanking event in your life (such as bankruptcy due to healthcare emergencies, for example), it becomes exponentially more difficult to bring yourself back to financial stability because your bankruptcy is reported to the credit bureaus, they tank your score, and you then struggle to find a good job to bring you up again.

    A lot of people who happily get credit cards without knowing if they can pay do not fully understand the consequences of not paying. It goes far beyond a bank merely telling you “no”.




  • I remember initially getting downvoted on Reddit when the announcement trailer was posted because I mentioned that this was going to be the case and that I was going to wait a couple years.

    Paradox has focused hard on releasing games with DLC planned every 6-12 months as has been the case for almost all of their recent titles. And I play a lot of their games. Cities 2 should have released with at least some of the dlc content already released in 1, on top of being optimized for performance. Paradox should be the poster child for patient gamers.



  • It’s likely he pulled it out of his ass, much like a lot of the headlines he throws up.

    The mission-capable rate is 55 percent, but that definition is for a single-task mission. Considering the F-35 is meant to have multiple missions, the report is a bit damning on the supply issue. However, the report is meant to highlight the issues so that the military can take over supply and maintenance in 2027. And a lot of the issues are lack of supply and depots for maintenance.

    The $1.7 trillion is an estimated cost over the lifecycle of the entire F-35 fleet of 2500 planes. The F-22 first flew in 1990 and entered service in 2005. So 20-30 years would be a decent lifecycle. The math for the F-35, using 20 year lifecycle, comes out to about $65 billion/yr for 2500 planes or $26 million/yr per plane. Part of the report is also providing recommendations on lowering maintenance costs.

    It’s still a lot of money, but when we’re talking decades, we need to put that into perspective when healthcare spending in the US is $4.5 trillion per year.