They don’t make hard inquiries. That’s kind of a huge fact of these services…

There’s never any administration fees. The whole trick to buy now pay later is they’re making the money on two fronts, one just the interest rates of people who don’t pay back on time and typically they’ll just block you after the first instance and never do business with you again.

So that’s not their primary money method cuz they rather not deal with that really. But it does bring them in some level of safety net.

But they’re real money generator is they get a cut of the sales. It’s a commission service. So the seller say Amazon loses out, say 5% of the sale to the buy. Now pay later company because the buy now pay later. Company secure to sell that Amazon otherwise would not have had.

So Amazon is losing a slight bit of money to make sure that more people are buying their goods by partnering with the by now pay later guys.

That’s why the buy now pay layer deals are always so goods or it’s an interest. No admin fees, competitive interest rates almost always equal to most even decent credit cards at most banks and credit unions.

Buy now pay later is a lot less scammy than you would think because they’re not scamming the consumer. They’re scamming the companies to make their money.

And yeah if you do miss a payment, the interest rates in what not suck but late fees are usually like $5. And it’s usually a one-time offense and you’re outsworded deal. You f****** one loan with like karna and they just ban you and send you to collections.

They’re not in a business of scamming consumers. It’s not worth the money when the real cash cow is those fat commissions.

Don’t forget that a lot of them do bank on the fact that people don’t pay back on time and then the over-the-top interest rates hit them.

So the less financially savvy or intelligent, Or just the unlucky. Are subsidizing the deals for the rest of us.

But while they’re in these early phases, if you can take advantage of them, do s*** sucks enough. Might as well get something out of it.

This is a big one, so long as the payments are on time most BNPL actually end up saving you a small bit of money compared to buying it out right.

Even if a good credit card with good cash back and rewards. BNPL frequently ends up getting me a positive savings of 1-3%.

Of course we know the reason they can offer these deals is because people frequently don’t pay back properly or on time. Thus subsidizing the service for the rest of us. It’s not healthy or good overall.

But like with most things if you can take advantage of it and use it to your benefit, you should.

What about the ~/Porn folder?!

People lie to doctors near fucking constantly. They’re required to ask the questions no matter what due to things like malpractice, the insurance company that owns the hospital and other stupid s***.

So not only are they required to ask you, they’re also likely required to give you the test regardless of your answer. Because they have to assume you’re lying.

Naw use em to shoot people in the wasteland and take their things.

Ain’t no one safe in the post apocalyptic waste lands!

The amount of time it would take for a post collapse society to regain enough stability to return to metal being needed for a currency is likely longer then you would be alive to actually benefit from the investment.

Short term only direct barter and labor will be worth anything. You only need a currency when you have a non volatile society.

It’s why the whole post apocalyptic gold value nonsense is nonsense. You NEED an economy to make currency have value. A post collapse society has no economy.

Of course all must rust, return to the oxide!

I can smell the brown and Midwesterness. Man I love his videos.

Everything about this is painful to see

ahem fuck shit bitch cunt dick that ass bastard bullshit dickhead dipshit

Please have these cursed words and be content with the freedom to express anger, outrage and emphasis.

Buying anything that isn’t an x3D CPU at this point is abject stupidity.

Intel CPUs might as well be worthless piles of sand. Hotter slower and higher battery usage.

As far as laptops are concerned Intel has not a single sku worth the sand it’s made of.

Online doesn’t count since you can’t drop a dvd into one…

Best buy stopped carrying physical media in stores ages ago and outside of very out of date stores don’t have display models like that anymore.

Eh costs likely basically nothing. They appear to use cloud flare CDN which has unlimited bandwidth.

So really all they’re doing is getting their money’s worth from their subscription. Lol

If you want a console like experience on your PC then use bazzite. If you want the same experience but with out the console lock down use cachyOS.

Depends on how much you do with your PC really. Like bazzite has one of the best out-of-box experiences there is. Basically everything is preset up. But if you need to say, leave the steam ecosystem. Things become infinitely more complicated than any other distro to do anything with that is both the benefit in downfall of an immutable distro. It makes sure you can’t f*** anything up but it also means you can’t f*** anything up if you get what I mean.

While cachyOS has the exact same out-of-box experience with the sole exception of you have to push one button and type in your password. And if you do need to leave the steam ecosystem, it’s at the end of the day a normal distribution so you can just do whatever you want.

The downside is you can do whatever you want so you can break s***.

Basically comes down to bazzite is basically old Windows. You are not allowed to do anything really without a lot of jumping through hoops. It means you’re going to get a consistent experience and it’s going to be reliable, but only within the operating parameters set out by the distribution.

While cachyOS is basically all of the same upsides but without any of the guardrails. So if you want just a good out of box experience it’s there. All the compatibility is the same if not generally better in the real world. But again, if you’re stupid or unable to read basic instructions there’s a good chance that you break something and you’ll have no idea how to fix it. Short of a reinstall.

I would give a child bazzite 100% of the time. Immutable this shows work is a fantastic form of parental control. Because while the barrier exists and will prevent most kids from doing something stupid with their computer, it’s not insurmountable and you still can do whatever you want with your computer. It’s just not easy.

But in either case, I would choose literally shooting myself in the foot before using anything in the debian or Ubuntu family if my primary goal is gaming. I love Debian but it in its family of distros are so out of date and require so much f****** to actually bring in newer packages and make sure that they actually compete even half as well as a fedora or arch-based option that it’s not worth the hassle. You’re far more prone to breaking a Debian mint popos install. Trying to make it equivalent to bazzite or cachy for gaming. Than you are breaking an arch install by just randomly installing packages from the aur without reading anything.

Problem generally is that the moment you do have to leave steam. It’s infinitely worse and basically impossible to use for a low skilled or new user compared to other gamer distros that do the exact same thing as bazzite but arnt immutable.

Immutability is great till you need to actually do anything at all. It’s such a catch 22. To a new user, it means you can’t accidentally f*** anything up, but also to a new user basically means your computer is a glorified console and you can’t do anything with it because you lack the skill set in knowledge to actually do anything in looking. Anything up basically isn’t going to be helpful for you cuz basically every guide and written account anywhere you find isn’t going to be geared towards an immutable distro.

The immutable gimmick that’s currently going on right now is still way too flavor of the month for new users who are trying to learn from a ground set of nothing.

If I was giving a computer to like a kid who I didn’t want to be able to do anything I would give it to them as a form of parental control more than anything.

Immutable distros are currently the flavor of the month and it’s basically just that. Bazzite is just a worse cachyOS. But because it’s immutable it’s the flavor of the month and therefore it’s the hype new thing.

Everyone loves the hype new thing. Even though in all realistic aspects, it’s more overly complicated. It’s more prone to causing issues for new users. It’s less proven.

There’s a good argument to be made that the project might just end up imploding in a year or two and dying out and f****** over all these new users who are flocking to it because of rampant suggestions.

Is also the general issue of Fedora and its family being prone to breaking itself from early adoption of new ideas. People love to give Arch s*** but Fedora tends to be the one that actually implodes itself for low-skilled users.

Got to love flavor of the month

It suffers from the same problem all Debian/Ubuntu family distros suffer from.

Being horribly out of date. It’s a very slow moving family of distros. Which can be a good thing if your work load doesn’t involve new hardware and software along with a focus on stability and reliability. Since if things don’t update they can’t break.

This can result in support for hardware and software being upwards of two to three YEARS out of date. Which for gamers for example is unacceptable and causes issues more often then not.

It’s the why fedora or arch based distros are generally speaking the better option to suggest to people. Depending on their level of intelligence, education and willingness to learn.

Bazzite and cachyOS for example are both fantastic for gamers.

Fedora or endeavour for your run of the mill office PC.

There is a serious argument to be made that the mass adoption of bazzite and the general flavor of the month affection for immutable distros is very likely going to cause issues for loads of users down the road.

So bazzite being overly popular is somewhat concerning. Flavor of the month distros have a bad tendency to implode randomly.

Hes a shit bag then and still is. Fuck this guy.