#us credit rating
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📉 Is the United States' Credit Rating in Jeopardy? 📈
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#america#credit rating#shutdown#us credit rating#government shutdown#finance news#economic impact#economic implications#financial markets#fiscal policy#credit downgrade#smart finance#economic analysis#us politics#Youtube
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States with better credit ratings then the federal government
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thought about professor caleb a little too hard. laying on the floor
#his fantasy ratemyprof is all 5stars and 1stars no in between. the fives majorly outweigh the ones but the ones are very strongly worded#about how he's really stringent on due dates (incorrect he just knows bullshit when he sees it) and extremely humorless (sometimes he#makes jokes that none of the students get and he thinks that's really funny so he keeps doing it) and grades harshly (absolutely) and goes#On and On about ethics (ABSOLUTELY) but the high ratings are split between 'super lame but a really good teacher' and 'he's NOT lame we#asked him to turn into a dragon and he DID' and 'my cousins gf swears she saw him and some monk kicking the shit out of someone in an#alleyway and idk why but i believe her. also when he teaches utility cantrips we get extra credit for pulling pranks on him with them. 5/5'#the difference is entry vs advanced classes. grad students are like 'yeah he goes to raves in nicodranas and won't take us with him'
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I cannot believe how fast misinformation spread about ai energy use like I get it you want to have ethical backing for your anti ai argument and discussions of things like “labor laws” and “copyright” are much more complicated than invoking global warming or the human soul but like jesus. It’s becoming very clear to me that most people don’t know how the internet or technology works at all.
#like im starting to think you guys don’t actually care about artists and just want to say shit…#most of the articles I’ve found abt this are either projections for if ai use keeps growing at its current rate (doubtful) or comparing it#to things like a single plane flight#the comparisons are never to smth like bitcoin mining or a city’s electricity or something actually on its scale#or even crediting ai with the increased amount of data centers like we haven’t needed more processing power As Humans with the more complex#shit online and being calculated by scientists rn#and all of this is only to train the model. not even to use it.#and like to be clear. I am an artist who has lost jobs to ai#but it’s here now and we have to think about living with it into the future#warlock wartalks
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now that i can give a more coherent update, the prognosis is basically that she will be in indefinite hospice treatment with symptomatic treatment where possible. the main concern is her platelet count, because her blood is unable to clot and so even a little bump could cause big problems for her. and then her appetite to ensure she keeps her weight on and strength up
we ended up at the kindest emergency vet we've ever been to and god i cannot even begin to get into how many traumatic experiences we've had with horrible emergency vets... but they were all amazing there and the main vet took so much time to break down what was going on and keep us informed on every single test they did and then afterward wrote up a super detailed report so we could go to a non-emergency vet to continue her meds if they improve her qol
and already a day and a half later she is seeing a huge improvement in her energy and comfort, like she's doing things i haven't seen since before the lethargy first set in which i am so beyond grateful i get to see again even if i know she isn't 'getting better'
#i don't know what they did to the bill but i will say they charged us about half of what i was bracing for#like i was fully prepared to be taking out an independent credit line for this#considering how extensive the testing was/past experience/etc#and i didn't have to do that#and i know this is something they went in and manually adjusted for us after finding out it was cancer/not treatable#because we were already very close to the final charge halfway through the tests#before meds/her chest xrays/more rounds of blood testing which were ofc all on emergency rates too
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Writing this cover letter and I can't help but feel excited about the possibility of maybe getting a job at Nintendo if this application is well received but the simultaneous reality of probably needing to move to Germany for it is something I do not want to grapple with
#ironically i would have to go home to the netherlands for my videogames because german cases are ugly as fuck#with their big ass age logo#and you know#german text#like no offense to the german language it is a lot nicer than most people give it credit for#strongly prefer it over french#but being dutch it just feels wrong to have games with text on them that isnt dutch or english#and also once more why is that age rating so big and ugly#there is this perfectly fine small pegi logo everyone else here uses why not germany
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😐
#yall pls donate for me this month i used a tenth of my take home pay on gfms this july#it's not a lot considering conversion rates but i got surprised by my credit card bill
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doing boring adult things kinda makes me horny. got approved for a credit card with unreal benefits that'll help us afford groceries. got a crock pot recipe pulled up in a tab to make today. kinda gets me going
#the credit card has an UNREAL interest rate (derogatory) but im just gonna pay it off when we use it#like...5% cashback on groceries????#in this economy??#sign me up.
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i've come to accept that my mom is never going to respect my personal boundaries but I need her to respect my financial ones
#when I wanted a $200 bicycle from Walmart and she took my debit card and bought a $400 sports bike while I was at school#i got a bunch of messages from creditkarma and a bank the other day and thought someone stole my SSN#NOPE she decided to sign me up for a credit card without my consent :)#it's got an insane APR and I'm between jobs so I can't even use it#and if she taking the time to talk to me she would know I've seen cards like that and I ignore them because the interest rate is too high#anyways 🚬#dzifa speaks
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album review: Wachito Rico -- boy pablo
ALBUM RATING: 7.5/10
initial thoughts
i got some motivation to do another album review again HAHAHSH thanks @dumdum0515 for this rec! i haven't listened to a lot of boy pablo's discography (the few songs i listened to were just okay), so i'm not too sure if i'll like this, but i'm hopeful :)
tracklist
in depth review under the cut:
track 1: i hope she loves me back
Okay woah I immediately liked the synth in the beginning! Lyrics are just okay to me, but the whole track is definitely a vibe + his voice fits that vibe, and I generally love the instrumentals.
8/10, i would relisten for the amazing synth
track 2: hey girl
This is groovy! The track starts off strong and immediately with the hook, that is repeated throughout, which makes it quite catchy. I like how it swells at the chorus, and the bridge is really cool too. It reminds me of The Beginning by Magdalena Bay, just slightly
8/10 too, any song that can be compared to The Beginning is amazing in my books
track 3: leave me alone!
THE BUILD UP BEFORE THE FIRST CHORUS?? it was unexpected and it works SO WELL with the chorus! plus that outro after that?? omg. I also love the bridge, it's a vibee. I like the drums in this song, and generally like the melody more than the previous two, so:
9.5/10! it was an immediate add to playlist
track 4: honey
The lyrics on this track are quite pretty and poetic, this is quite nice and the repeated notes in the chorus remind me of 'if i let u in' by Shye.
6/10, a very decent track! (I just liked it less than the previous 3)
track 5: rest up
Hmm, this track is okay! The hook is pretty good, and I just realised boy pablo's voice sounds kinda similar to Rex Orange County LOL.
also 6/10!
track 6: te vas // don't go
A cute and quite an aesthetic song! The lyrics feel like they can be quoted, and the bridge sounds like it would fit the ending of an episode in a tv series, when there's a resolution (something like Space Song in Wednesday)
6/10 too, still a decent track!
track 7: aleluya
Aww a sweet interlude! I like the vibes, and it extends from te vas//don't go quite well!
6/10
track 8: come home
Strong beginning again! It cools off into a more chill, slower pace which fits the home-y and welcoming vibes that the lyrics are trying to convey. Lyrics and melody/rhythm are integrated really well in this :)
7/10
track 9: mustache
This is okay to me! I like the general hook and the back part, the instrumentals after the lyrics
6/10
track 10: vamos a la playa
It's speeding up the pace for the next track, and OH THE TRANSITION?? Albums get bonus points to me if they have great transitions, so it looks like this album is going to qualify
track 11: wachito rico
OHH title track time. I immediately liked this! Instrumentals and melody, high scores across the board, plus a cool bridge?!!
9/10
track 12: nowadays
A quieter, acoustic track! Love the vibes and it sets the mood for the last 2 tracks from this album. Really quotable lyrics too, and the repeated lyrics work well in this track
7/10
track 13: i <3 u
I love this soft track, it ends the album well, especially the slower cool down from the bridge onwards. How the instrumentals briefly pause,, i love that type of syncopation so much!
8/10
best lyrics -- te vas // don't go
You gave your eyes to somebody else // What am I supposed to do?
best melody/production -- leave me alone
I love this song so much!! With the creative use of build ups and quite a unique mix, it is memorable and reminds me of my favourite synth-pop tracks (although it's not exactly synth-pop). Definitely my favourite from this album
my final rankings
leave me alone!
wachito rico
hey girl
i hope she loves me back
i <3 u
come home
nowadays
rest up, honey
te vas // don't go, mustache
aleluya, vamos a la playa
Overall, this album is very cohesive and I appreciate the 3 transition tracks! This was better than I expected and I'll definitely be listening to leave me alone! for a bit, and I'm sure the slower songs will grow on me with another listen.
#i use caps for the points so it looks like More Formatted Thoughts although it's messy in my brain HAHHAHA#(p.s. 7.5/10 is pretty high in my rating system! 7/10 is an album I enjoyed enough to pay and go to a singer's concert#+ this album gets extra credit for the transitions so it gets 7.5!#Spotify#boy pablo#indie pop#album review#7/10#7.5/10#recs#thanks for the rec!#pop songs#pop album
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succumbing to the illness. becoming a hater. anyway look at this building they’re fucking destroying
#talkingcore#they’ve been hosing her down everyday but it’s so windy she just blows onto people. not ideal#she used to be the rec building but she felt like tunnels she was stuffy and evil and the weights were separated in a mean way#not a fan but she’s dead now!!!!!!#every day can be destroy. build. destroy when you’re living the dream life#thinking about how like December 2021 I was doing my first run through of the bb discography and making my ratings#(had a lovely grid and rating system) but one of my biggest flaws was how low I rated love you#yeah the vocals are kinda trash but that’s what happens when you go from singing to critical acclaim to doing coke daily there are effects#like sure Mona is obnoxiously repetitive but dammit it’s a Little fun. we can ignore what the actual meaning of I wanna pick you up is#ignoring the actual meaning it’s a really nice and sweet song. once agai. 1970s Brian should not have been allowed to touch a pen#anyway this is a roundabout way of saying I caved in and put Johnny Carson on the 2023 playlist and I think it’s yelling in a not good way#I’d share it but I got Apple Music and I kinda like not doxxing myself 💔 sorry lads#maybe one day I’ll be ready to doxx myself#that way my employer can see all my really great takes and creations!!!#Twas sounding like i had been able to achieve the sweet sweet affects of t this morning but now I am Less ill and sound more normal#sad but good I kinda need to sound normal as long as I have to speak in class#yknow what’s a good album? make it big by wham that shit is sooooo good#you CAN have my credit card baby 🥰🦅🦅🦅🫡🦅🦅🦅
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#wh. um. fuck.#dad's told me about my nan's will#and uh.#the money goes first to my grandad's looking after obviously#but um once he's not around (in a year or two dad says‚ with his alzheimers)#then it's split between the family in percentages ive forgotten - including my mum‚ which is lovely#but basically in two/three years. i could have enough money to buy my own place.#ive no idea what my credit rating looks like in the least but i guess i have that amount of time to find out and sort it out#i imagine it's not very good - i don't have a credit card or anything like that but i haven't used my overdraft since i was at uni#but dad says i could get 60 grand! so if i buy somewhere with 60k up front and the rest as mortgage? right?#i have no clue whatsoever how to do all that stuff or even like how much furniture costs or how to choose a mattress or anything#ive never had anything like that new#so um. yeah. that's. something#i don't know what to do with it or anything. but it's a thing.#for now i need to go back and find a flat my own cs ive got like 6 weeks now to move from this place#and i have to ring the estate agent landlord people to find out if i can just move upstairs or what. cs that'd be my first choice honestly#but um. my brains gone to mush#i knew my grandparents were well-off but i didn't know it was by that much#or that id get such a high percentage - tho that's half what my dad's getting so i guess that makes sense#he says he's gonna buy a boat and go to south america#which sounds bonkers honestly like he's not a sailor whatsoever#but i guess he's a lot more sensible now he's been sober a year than he ever was when i was a kid
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Writers/Actors on strike on top of video game workers and SFX workers starting to unionise, UAW imminent strike, looming federal shutdown; man it sucks to be a money guy right now tbh. UPS was smart to make an honest deal, but imagine if Teamsters were all on strike right now too.
#I want to see the upper middle and moneyed classes all squirm under the weight of labor#with the feds too busy to strong arm autoworkers or really any union atm it'd be funny if more unions geared up for solidarity strikes#apparently the US already got downgraded to AA+ credit rating lmao due to the current issues
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rent is 38% of my monthly income :(
#78% of this current check :((#im so tired of being broke and still working almost full-time and being a student#i'm anticipating a pretty big refund from the school from tuition assistance#it's not free money like half of it is gov loans i'll eventually have to pay back#but i'm going to use this money to pay off my credit card which is a higher interest rate. so essentially just refinancing my debt#maybe a miracle will happen and loan forgiveness will happen at some point#i think i'm at about 20k in debt right now
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Today I acquired several new Star Wars rpg books I've been looking for (and left a lot behind because I didn't have my master list updated), some shiny new dice, and a few new cheap collectables. I was also good and didn't spend fifty bucks on a plush gelatinous cube (even though I really wanted him). Did get some new miniatures that I'll eventually get around to painting once I get my work space finally set up. I have a very long list of things that need to get done before the summer heat and I'll probably only get a small bit completed; progress is progress though.
#birdy collects nerdy things#I've got a bunch of stuff that's getting donated this week and a lot more that will eventually go#still need to figure out what I'm going to do about those missing screws for the drawers#partner does not want to go to ikea with me so i might have to go alone this week#not sure if they can help or if I'll just have to buy new stuff#might also have a look on ebay and see if anyone is selling just the screws#because I've found stranger things before#also have to go into my credit union and talk about high interest accounts#my old one got closed out due to unforeseen circumstances and a fuck up#so while i could have reopened it i wouldn't get that same interest rate again since it's no longer offered#I'd rather have it someplace that easier to access anyway#i used a bit of it today to buy my books#because it was my mom's life insurance money and it feels good to use it on nerdy things that she didn't approve of
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