• 1 Post
  • 42 Comments
Joined 1 year ago
cake
Cake day: June 12th, 2023

help-circle











  • Schools in the US were designed to prepare kids for factory jobs initially. A lot of the structure related to that has changed but the amount of time you spend at school hasn’t. Realistically you’d want a kid to spend less time at school. But schools are now used to prepare kids for working all day and then giving up their free time to their employer. That may be a little tin hat-ie, but it’s at least partially true. However as a kid a few extra hours at school wouldn’t have cut it for me. I preferred to do my work at home, I was also super distractible because I had adhd. Additionally as others have said that just wouldn’t be feasible for a lot of kids/families.






  • The article you provided and states right there that those who do not have generational wealth don’t benefit from credit scores because several of the considered factors are things they don’t have.

    I don’t know if I buy that they were created to reduce discrimination, but even if they were, it’s an incredibly flawed system.

    If a person pays off a loan that is a good thing. That shouldn’t make tour credit score lower.

    I paid off a loan and a card and consolidated my debt to a lower interest rate loan and my score dropped 20 points even though I had overall less debt and at a lower interest rate. All because the average age of my credit dropped.