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Cake day: August 14th, 2023

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  • Sludgeyy@lemmy.worldtoAsk Lemmy@lemmy.worldHow bad did I fuck up?
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    8 days ago

    Credit cards = Free Money

    1-5% cash back at most stores

    So you can either pay in cash (or debit card) and get nothing. Or you can use a credit card and get 1-5% cash back

    I need to spend $300 on groceries this month. If i had a credit card that did 5% on grocery purchases (one reason for multiple cards), then I’d have an extra 15 dollars this month. 180 dollars a year just because I used a credit card for a purchase I had to make.

    I could have used my debit card, and the funds could be pulled directly from my checking account. Or the funds will be pulled directly from my checking account at the end of the month when I need to pay off my balance.

    If I had an emergency $300 dollar expense in the middle of the month, I would have access to $300. If i purchased the groceries with the $300 in my checking account, I’d have no funds to hold over for 2 weeks. Longer if needed, a credit card can hold a balance for a price.

    There really isn’t a reason why you shouldn’t use a credit card in America, other than poor spending habits

    Credit cards can even give you perks like free cell phone accident protection when paying your wireless bill

    Have multiple cards with multiple limits = higher available debt

    The higher your available debt, the less percent you use out of it

    Debt utilization is a big part of a credit score. And just getting that down having multiple high limit cards is a strategy.

    Like if I spend 5k a month. One card with a 10k limit I am using 50% of my available credit. If i had 3 cards with 15k limits, I’d be using ~10%. Using 10%>50%

    Opening up cards hurts your credit score in the short term but helps in the long run. You shouldn’t close a card unless you have to because having it is going to help your score for reasons mentioned above.


  • You can not simply “shift” billions of dollars from one currency to another.

    As much as the rich people with billions want to get rid of the USD, the people willing to give GBP or Euro for USD don’t have to accept. Why would they want to be holding on to the USD if the others don’t?

    They could be slowly doing it right now, but if the shit hits the fan, the exchange rate would jump.


  • Yep small caliber proof for sure

    My favorite part of decimeters is 1 inch is 1/4 decimeters. 3 decimeters is foot.

    So if it’s like 8 inches. I can just say 2 decimeters

    From there you can say 20 centimeters or .2 meters

    If something is 12ft it’s 36 decimeters or 3.6 meters

    There’s no easy way to turn 8 inches into centimeters other than knowing that 1 inch is about 2.5 centimeters or just estimating in centimeters to begin with.

    You could say 8 inches is 2/3 of a foot. 3ft to a meter. So 1 ft is .30 meters. Then it’s 2/3 of a foot, so .30×2/3=.2.

    Decimeters are the missing link for Americans to convert

    Yards to meters is 1

    Feet to meters is 3

    Inches to decimeters is 4

    Things like a 36 inch doorway, 3 feet, would be 9 decimeters or .9 meters

    Common measurements of inches:

    12 - 4 Decimeters

    18 - 4.5 Decimeters

    24 - 8 Decimeters

    30 - 9.5 Decimeters

    What they would use otherwise would be

    .4 meters

    .45 meters

    .8 meters

    .95 meters

    Saying the standard doorway is 9 Decimeters is way better than saying .9 meters.

    If you rounded to 1 meter. You’re adding 3 1/3 inches. Which is a 10% increase.

    A decimeter tape measure would be nice.







  • One day people will realize that you can make money when the stock market goes down

    Causing it to go down is much easier than making it go up

    Smart people looking to make money on a declining market told him some “smart” stuff to do. He believes it is smart. It is smart for the people that profit. Just hurts so many.

    He believes he is special, like some kind of perfect business man where the “deals” always get done and work out in the end for him.

    He has been used his whole life like a rich monkey to make others money thinking he was the brains behind the whole operation