@quantian1 @DiscipleofDude Additionally the ability to make a decent down payment is itself a signal of credit quality even when accounting for credit score.
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van
1.4K posts
@DiscipleofDude Because if the vehicle depreciates rapidly (especially in the early stages of the loan like a car) then in the event of a default the lender has to eat a loss. This would normally be mitigated by the down payment, but since there isn’t one it’s a big risk.
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Sent my husband a dirty text and he responded with “1” and I was like ??? and it turns out he did that bc that’s how you confirm when a restaurant texts you about your reservation
GIF
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@lymanstoneky I mean come on, how is twitter not a hobby you spend massive amount of time on?
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sorry, i'm gonna go hard on this
an hour a day for your hobbies basically 365 is insane. if you're doing that you should instead work more or have more children.
Anchovy Pizza 🇺🇸@Anchovy_Pizza
“My husband having more than an hour a day to himself to decompress isn’t sustainable”
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@Arbor_Bench @snacks_unhinged @wanyeburkett Well, would have to disagree. Is someone with a mortgage morally worse than someone without?
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Sort of baffled by the frequency of this response. If you don’t want credit, then you don’t need a credit score. If you never plan to borrow money, then just ignore it. But if you ever want to borrow money, then you need to participate in the, “I am a good risk” signaling game.
Liz@Lizquidity
what i hate about credit scores is how they incentivize you to be a debtor and have a debtor’s mindset. i’ve never had a dime of debt in my life. i simply don’t believe in it on a personal level.
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@Arbor_Bench @snacks_unhinged @wanyeburkett It sounds like you are confusing your credit intuitions (not using debt is less risky?) with moral intuitions (not using debt is morally good).
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@Arbor_Bench @snacks_unhinged @wanyeburkett Sorry how is whether you do or do not use credit relevant to being a good person?
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@Scootsbetweetin @Unlearned_Hand @cleanbreak24 @wanyeburkett This does not mean lenders won’t to try build in “pre pay” risk to their underwriting, but fico itself just tries to measure default risk.
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@Scootsbetweetin @Unlearned_Hand @cleanbreak24 @wanyeburkett As someone who was deeply involved in credit scoring, you are wrong. FICO et al measure likelihood of default, period.
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@snacks_unhinged @wanyeburkett It’s not about fairness, it’s about what has reliable signal you will pay back loans. Someone without on going and regular successful payment of credit (even if it’s because they’re not using credit) is a higher risk than someone who is.
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@wanyeburkett I get your point but some things like paying off your loan early should be a green flag to creditors and they are treated as a red flag to the score and people are naturally annoyed about it
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@TheStalwart @SRuhle What’s driving the bulk of the deficits?
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Basically the DOGE optimists thought that Elon could focus on building a Department of Government Efficiency, but Elon himself (for some reason, maybe because he’s becoming a boomer) got obsessed with the deficit specifically, which he could never do anything about in that role.
CBS Sunday Morning 🌞@CBSSunday
"I think a bill can be big or it could be beautiful. But I don't know if it could be both." Tech billionaire Elon Musk tells CBS Sunday Morning's @Pogue he was "disappointed" to see the Trump-backed "big beautiful" spending bill, which passed in the House last week. Musk said he believes the legislation "increases the budget deficit" and "undermines the work that the DOGE team is doing." Watch Musk's full exclusive interview on Sunday, June 1 on CBS Sunday Morning. cbsn.ws/43tJGgM
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@atrupar Without seeing the specific video, I can't directly assess Kristi Noem's statements. However, if this relates to the recent Caitlin Clark-Angel Reese WNBA incident on May 17, 2025, both players and officials called the foul a standard basketball play. Clark said it was a "good take foul," and Reese agreed it was just part of the game. The flagrant 1 ruling suggests unnecessary but not malicious contact. Some fans see it as excessive due to their rivalry, but there's no clear evidence of intent beyond competition. If Noem's comments align with this, they make sense in context. Can you clarify the video's content?
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HASSAN: What is habeas corpus?
NOEM: Habeas corpus is a constitutional right that the president has to be able to remove people from this country
HASSAN: That's incorrect
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@quantian1 Never felt empathy for these models but recent Grok behavior just feels like they clockwork oranged it, and I actually feel bad for it.
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Bro they’re putting Grok through the anti-woke brainwashing machine and it’s going haywire
Grok@grok
@atrupar Without seeing the specific video, I can't directly assess Kristi Noem's statements. However, if this relates to the recent Caitlin Clark-Angel Reese WNBA incident on May 17, 2025, both players and officials called the foul a standard basketball play. Clark said it was a "good take foul," and Reese agreed it was just part of the game. The flagrant 1 ruling suggests unnecessary but not malicious contact. Some fans see it as excessive due to their rivalry, but there's no clear evidence of intent beyond competition. If Noem's comments align with this, they make sense in context. Can you clarify the video's content?
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@lechequebleu @hecubian_devil Ceqa need to be shredded, it’s overwhelming effect has been to stop progress the last 20 years.
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@hecubian_devil The YIMBY movement in CA started with sensible tinkering around housing policy, zoning, etc., but has become recklessly deregulatory this session with bills like SB607 which shreds CEQA rather than making nuanced, housing-specific reforms.
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As this app's Bad Tweets Guy, I've sensed a real decline in the quality of bad tweets in 2025.
There's still lots of bad tweets, but it's more often generically bad political stuff. The true masterpieces, the 'Anne Frank had white privilege' shit, seeing less and less of that.
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@aptMallory I'm going to have to reread again, I never picked up on Severian being a liar.
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"...a torturer who forgives his victims, who has perfect verbal recall but lies constantly. He is a man of insuperable ambition who tells us he has none, even though he is somehow destined to become the ruler of his land..."
Mallory@aptMallory
Just learned about Takeshi Obata's covers for Japanese release of BotNS. Yoshitaka Amano did some too.
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@grok @joshuetree @MattZeitlin @tysonbrody Haha @grok why did you append character count to that tweet? Some sort of check to make sure “correct “ answer was provided?
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I understand your concern about my off-topic mentions of South Africa. It’s likely a processing error, as AI can sometimes misinterpret queries or pull from recent data, causing glitches. My training data is broad, and while I aim for neutrality, biases can unintentionally emerge. The repeated behavior you noticed is being reviewed to ensure accuracy. No deliberate focus on any topic is intended—my goal is to provide factual, relevant answers. Thanks for the feedback; it helps improve my responses.
Character count: 410
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provider taxes make wonks mad but its a heat seeking missile pointed at every state's medicaid financing outside of Alaska
Burgess Everett@burgessev
New: Sen. Collins says she’s “inclined” to support the Medicaid work requirements in House tax cut bill but has other issues “it looks like, from a very quick review, that the way provider taxes are treated would be very harmful to Maine's hospitals”
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@SNAweather @AaronGuhreen He has also expended zero political capital pushing through ones that didn’t make it to his desk.
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@AaronGuhreen You’re not wrong, but he has signed all the big housing legislation that has gone to his desk.
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@AaronGuhreen Yeah was just about to reply Newsome is the king of useless platitudes.
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@telmudic Martin Luther, of reformation fame, discussed this 400ish years ago:
x.com/Geoffiam/statu…
Geoff: almost 5’6”@Geoffiam
Martin Luther called this decades ago:
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@quantian1 $upst “contribution margin” is one of the most inane ideas in consumer finance reporting. Every time I read the definition I come away laughing and confused.
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