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Cake day: June 18th, 2023

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  • I don’t mean to be out here defending credit scores as a concept, but mine never dropped. Not when I paid off individual student loan accounts, not when the US Federal loans came due after the pandemic pause and I paid them off in one lump sum either. Not when I paid off mybcsr loan either.

    Technically the 3 companies that do these each have their own proprietary blend, but it is generally accepted that there are 5 C’s to credit. Character, capacity, capital, collateral, and conditions (“Character” woukd be better described as “history” but that ruins the memnonic).

    Which one of these would be negatively impacted by paying off a student loan? None of them! In fact, it improves your Character to pay off a loan successfully, and it improves your capacity to reduce your monthly minimum payments. For stuff like a car loan, paying that off improves your Collateral.

    Every single time I have met anyone claiming that paying off a debt hurt their credit score, their story falls apart when I start asking questions. Oh it was actually not them, but a friend of a friend of a friend. Or maybe they also got in a fender Bender and added $3k to their credit card balance that month. Or paying off the debt and the decline in credit score were seperated by months.

    What CAN happen is that some accounts only report credit history upon closure. My wife used to work for an “alternative energy supplier” where this was the case. Due to state protections they could not turn off electricity during the winter. People would rack up electric bills for 4 months without paying, then get their electric shut off and suddenly see a huge drop on their credit score out of nowhere. I have heard similar stories of landlords not reporting late rent payments for years until the tenant moves out. This was all years ago though so I’m nkt even sure if that’s true anymore.



  • I’m interested, but I think the Dev woukd need to find a way to incentivize “normal” driving.

    I think back to my youth playing Driver on the PS1, and it was a lot of fun just… Driving around. Exploring the world. Even dealing with traffic was fun when I was only a kid who could nkt drive myself.

    I tried tk do similar in GTA3, and I even had a wheel and pedlas I would use for it. Unfortunately GTA3 is incredibly unlrealistic. The physics are cartoonish, the AI behavior is dumb, the pedestrians are dumb, the cops are dumb. The game incenvitcizes chaos.

    The question is: how do we make things likr speed limits and stop signs and pedestrian crossings fun?

    My instinct is to model off the real world to an extent. Could involve delivering things that are fragile and cannot handle a bunch of G’s. Could be fines or a karma system of some kind for rolling stops. Could be that a realistic damage modeling system makes dents and scratches look terrible and lead to rust, and repairs are just as expensive as they are in real life. Maybe a LOT of the car is consumable or wearable. Not just gas and tires, but all the fluids too, and brake pads. Maybe taking a turn too hard damages the suspension. Crashing into something means you not only need to repair your car, but also whatever you hit.

    The more I list this out, the more this seems like a punishing and tedious slog. It seems really hard to design a game that incentivizes something like this, at least with most of the current mechanics in games today. Maybe a multiplayer social component would help? Like a virtual parking lot and drag strip for people to meet up on the weekends and check each other’s virtual rides out? I would not be interested in that, but my uncle might be.

    Maybe it could be heavily story-based. I would go noir-style, where as you drive around either you see things or your driver character provides some narration. Something like “that abandoned building over there used to be an ice cream parlor. That’s where I had my first kiss. I wonder what ever happened to Suzie? I drove a '69 Cobra that night. Lovely car” and then the Cobra is available in the shop. Maybe there is a mystery about stuff going on in the world. Maybe it is a post-apocalyptic world and you’re scavenging, mostly alone and unchallenged, in the ruins of a city, slowly learning what led to this. I think about how Detroit’s population went from ~1.8 million to 0.6 million in ~50 years and what it would have been like to stay there and experience that.

    Maybe a parody of Crazy Taxi called Sane Uber where the main priority is ride comfort?


  • The best way to win the game is to not play.

    Reddit had a lot of issues and I am glad I left, but one sub I really liked and wish Lemmy had was r/anticonsumption. You make a great point about razors, but that already relied on the assumption that you have decided to shave.

    That is not to say that shaving is bad, but to recommend that all individuals think about it. WHY do they want to shave, and how much time and money do they want to put into that? How much of it is mere societal expectation, and is that really worth it?

    Look at the Got Milk campaign as another example. That was not promoting any particular company, just the concept of consuming dairy, and led to disastrous health, environmental, and economic consequences in the US today.


  • The problem is that downvotes do not work. They do not function as an incentive for these users to stop posting, because they do not matter at all.

    It can work on larger platforms, where thousands, or even tens of thousands of people vote. There the users form roles based on how they sort the posts. People who sort by New are well aware that they are going to have to sift through a lot of trash, but their reward is that they get to have a more active role in setting the taste for the entire community. Because then you have people who sort by Hot or Active, which tends to be the majority of users in most communities (and is often the default). So in communities with dozens of posts, hundreds of comments, and thousands of votes every day, the things the community doesn’t like gets buried.

    The Fediverse is too small for that system to work. There simply is not enough posts, comments, and votes to make any of that meaningful. The same users can just spam the same authors over and over again, and it doesn’t matter whether the post gets 100 upvotes or 100 dpwnvotes- the whole community is going to see it in their feed regardless. And it’s not as if having negative "karma"really matters.

    One of tbr systems Reddit had to combat this was that karma occasionally mattered. Some subreddits would require karma to join, or ban if your karma dropped. I’m not sure if the tools exist for something like that here or not. There are a lot of different t ways you can slice up the numbers, but basically looking at post history, ratios of up/down votes, total down votes, etc. Effectively letting community feedback drive the moderation process.

    That’s still not perfect because users can block/mute other users. Doing so would effectively be abstaining from voting, and that’s not the healthiest system. But we shouldn’t let perfect be the enemy of good.





  • A while ago I read an article written by a college student going to school to create comic books. Unfortunately I can’t find it now.

    They said that in the classes about drawing, those professors said it was perfectly fine to use AI to help with writing your stories and dialogue, but warned how incredibly dangerous it can be to use even as inspiration to draw.

    Their writing professors, on the other hand, told them it was perfectly fine to use AI to help with their illustrations, but that it was incredibly dangerous to use to even generate outlines or rough drafts when it came to writing.

    AI is only ever good enough when you don’t know better.


  • You’re just proposing a much more drastic and rapid change than I am. I agree that a wealth tax would be a more immediate effect. It is also much more drsstixnand far less tested. The idea is interesting and I am neither opposed to it nor calling for it. I do not think it it necessary.

    Increasing income tax rates and corporate tax rates would be a much slower approach. I didn’t mention them, but I would also add in property tax rates and capital gains. Luxury sales taxes, inheritancd taxes. In the US, make OASDI a progressive instead of regressive tax.

    For existing billionaires, there are plenty of laws they’ve already broken to get where they are that just need to be enforced. Wage theft, antitrust, union busting, fraud. The SEC should have buried Musk in a dungeon years ago. So I see the answer to eliminating existing wealth being fines rather than taxes.

    Of course, there is also room to increase the minimum wage and minimum benefits. That would hell redistribute wealth too.

    I don’t know Gabe Newell, or even anyone who works at Valve personally, but every account I have ever read about Valve is that they usually treated and paid their employees well. Investigate all of these megacorps and prosecute appropriately.


  • Taxing billionaires is not some new and untested concept. In the US throughout the 1900’s the highest income tax brackets were often in the 70%'s, reaching into the 90%'s at times, and we did not see what you are suggesting.

    Increasing the taxes on Gabe Newell’s profits from owning Valve would not suddenly cause him to lose money, just to gain less money. If corporate taxes and income taxes were increased across the board, then it is not as if he would benefit from selling Valve stock to invest elsewhere, and Valve would not be a more or less attractive place to invest relative to other options either. I am not sure why you think this would cause Gabe Newell to back out or investors to jump in. Heck, these rates have all changed pretty frequently within Valve’s existence and have not had a significant impact.

    Also just to say, there is also the matter of jurisdiction as he lives in New Zealand while Valve is a US based company.


    1. Taxing those outside investors too
    2. Taxing Valve as a corporation more, making them less profitable and less attractive to said investors.
    3. I’m not even convinced this would be an issue at all really. Remember Valve is not publicly traded. I suspect Gabe would hold on to controlling ownership as long as it was profitable, and remember that taxes are usually on profits.
    4. Even if outside investors move in and enshittify, the moment they start doing anticompetitive you hit them with antitrust suits. Not to mention the industry can also be regulated even before all this: a lot of governments are cracking down on lootboxes already.

  • Even if Valve’s offering sucked, I still have not seen anyone point out a business practice I would call anticompetitive. They are not buying up studios or publishers, or even paying for timed exclusivity. I have not seen any hint that they are colluding with competitors on prices or fees. I haven’t seen then accused of stealing IP or poaching personnel. They readily welcome Microsoft and Sony to release games on Steam, and they have released their own games on consoles including the Switch. They let you install Windows or whatever else on the Deck, if you want to for some reason.

    Billionaires should not exist, and Gabe Newell is no exception. He should be taxed more. I don’t love one company having so much control of this space. But I also don’t want to have a dozen different crappy launchers from different companies to deal with. There are a lot of benefits to the user to having everything centralized in one place.




  • This is a lesson I wish I could teach other people in my life. I formed a polycule a while back and this has been the hardest part.

    My wife and I both grew up on the poorer side. We got jobs and grew up faster than the rest of our friend group. Struggled through college together. Dealt with her eventually dropping out and being permanently unemployed because of a disability. Gave up on dreams like having children and taking vacations. I could sense that the housing market was rebounding in the mid-2010’s so we cobbled together enough money for a cheap house in an relatively rough neighborhood, wkth a monthly payment we could afford comfortably. Hopefully pay extra to pay it off early and save on interest. Slowly transitioned from buying everything cheap to buying stuff that was better value, but still not getting expensive stuff. Didn’t get a PS4 until 2019, and even that $199 slim model bundle with 3 games was still a significant purchase.

    My career kept going and I hit 6 figures shortly after the pandemic. Which put our household in the top 1/3rd of income for our city. Still we stayed humble. Maybe go to a nice restaurant once a year. Order either pizza or Chinese or some other takeout once, maybe twice a month, as a treat. Paid off the student loans early. Took a couple vacations, but just long weekends spent in nearby cities we could drive to.

    I learned to love the little things. Sitting on my porch on a summer weekend morning, the light filtering through the trees. Sipping some homemade iced coffee, eating some scrambled eggs. Watching the squirrels scurrying through the small bit of woods in my backyard, the birds flying from perch to perch, my cats chirping at it all from the window behind me. Playing guitar, not to make money or to try to be better than anyone else but just because it’s fun to do. Catching up on old videogames I bought used years ago and never had time to play.

    Then we formed a polycule with another couple. They’re great people and I love the situation overall, but… They both grew up poor in the south, then moved to the Bay area and eventually started their own business. Then decided to move to a lower cost-of-living area and came to our small city. They make 4-5x what I do, probably in the top 5% of households in the city. They take a week long vacation roughly every 2 months, usually 1 or 2 of those trips each year being international. They usually go to an ultra expensive restaurant at least once a month. Go out to bars for drinks and order takeout a few times every week. Get their groceries delivered by one of those meal plan websites. Buys the latest AAA videogame on launch day. Watches movies in theaters as they come out. Constantly having packages delivering various trinkets and gadets and decorations.

    The thing is… They don’t seem happy or at peace. They’re constantly searching for the next thing to buy. As soon as they come back from a trip they’re talking about how to be more extravagant on the next one. They seem more interested in finding greener grass than appreciating what’s under their feet.