No credit IS bad credit.

You don’t have to carry debt to have a credit history, but you do have to use credit to have a credit history. If you haven’t used the system, they have no knowledge of your crdit worthiness.

I use credit cards as a tool to protect my finances and purchases (fraud protection is greater with CCs than a bank account/card, as well as being able to dispute transactions where service was failed to be delivered or inadequate). I also always pay off my statement balance in full every month.

I do my best to only buy things I can afford to pay in full, but a home and automobile can be exceptions to that (even though I bought my auto in full due to a financial windfall). But I still participate in the system to gain the benefits of the system

www.nerdwallet.com is a great resource on credit education and provides a wealth of tools for starting build your bad credit to good credit.

I snorted my coffee reading this.

A secret service officer, trying to explain the general confusion, just sighed. “Nobody knows what’s going on.”

Don TACO & the Ketamine Kid.

It does. In the form of taxes & donations.

As a former permastuff allergy sufferer, I can’t recommend enough trying out triamcinolone (nasacort). I had tried nasal sprays in the 90s and early 2000s without any luck. About 5 or so years ago, my allergist recommend I give it a try again as a lot of formulas have come around since then and could work for me now. I couldn’t believe it, no more permastuffed and there’s smells everywhere. Learned that I love the smell of star jasmine flowers.

For me, a puff in each nostril in the morning and another puff as needed when blowing my nose doesn’t suffice (which is rare) has turned this perma-stuffed allergy sufferer into a not-perma-stuffed person.

Nah, just your typical PhD paleontologist dinosaur nerd. The times they showed that side of Ross was probabaly some of the most realistic moments in the show.

Note: It’s Ukraine, not “the Ukraine”.

Calling it “the Ukraine” is Russian propaganda.

https://theconversation.com/its-ukraine-not-the-ukraine-heres-why-178748

I hate myself for this.

No, what you’re having happen to you is called censured.

We don’t care if you’re a bigot and have those beliefs. But we are going to tell you that your beliefs are repulsive and not welcome in our society when you are being an asshole to real, live, human beings.

You do not get to antogonize and cause harm to people because you’re concerned that somebody’s outward appearance and gender role expression doesn’t conform to your belief that somebody’s genitals dictate their outward appearance and gender role expression.

And before you go off with, “So much for being tolerant of my beliefs!”.

Tolerance is about preventing harm being committed onto others. Tolerance can not condone intolerance being committed against others. Intolerance always leads to harm being committed against others. Tolerance, by definition, cannot be tolerant of intolerance without becoming intolerant itself.

For example:

Me allowing you to openly critize my friends in the trans community without stepping in and telling you, “You’re a bigot and your behavior is not welcome here.” will lead to your behavior harming them by implicit acceptance of your behavior.

So, with kindest regards.

You’re a bigot and your behavior is not welcome here.

What is there to criticize about transgenderism?

With the charged language and dog whistles I see in your post here (and even more in your post history), I’m going to assume no. Bigotry isn’t a good look.

If you want to have a real discussion about transgenderism first, stop with the charged language and dog whistles, it makes you look like an insincere bigot. Second, I’d suggest the same thing that every oppressed group has said. Listen to the marginalized people, their struggles, their life. Read the articles they share with eachother. Read the books they share. Read the science they share. Then, if you have questions, ask for clarification.

Battlegate Univactica?

I’ve noticed that some of the best enuciators are people that have a lisp and have obviously either taken speech classes or have self taught themselves how to overcome their lisp with better enuciation.

I knew this was Carkeek before I even read the title.

I’ve spent a many hours hanging out there. Have you ever seen the golden eagles that hang out on that beach?

If enough humidity over time gets in there, the salt can start caking and forming larger crystal clumps. However, the salt itself isn’t damaged by that process and will work fine if broken back up and used in the quality you need.

A best by date here would be a notice from the manufacturer that the product should be shelf stable at least that long before “degrading”.

Who’s the one bullying and gatekeeping here?

I’m not a camera nerd either, but I recognize that there’s people that need professional hardware either for a professional use or an obsessive hobby (either photog or other electronics or optics work). If a cell phone is “good enough” for me, that doesn’t mean it’s good for a specialist. Just like pretty much everything else in life.

The only reason I have a frednica is because that’s where I chill and hang out with the Fediverse Chick.

Nah, I’m cool. I’ll do without.

This could be a non-profit funded by participants and government grants.

Humans have a natural urge to rebel and question authority.

If your response to that is to be a authoritian dipshit and beat them into submission, you might be a facist and causing more harm than good.