the difference being Klarna… has way lower credit requirements…

exactly so they can prey on broke people who don’t know how to manage their money… and do things like finance groceries instead of budgeting.

so… a credit card?

those are all things a normal credit card does.

people could also just… not overspend.

but anytime I say that I get a lecture on how spending $1000s on stuff is ‘a necessity in today’s world’

because people are financing their groceries through them and similar services.

and a shitty diet and no exercise.

people ask me how my weekend was, i tell them I did a 30mi bike race in the rain, it was so great but I was covered in 5lbs of mud, and they just look horrified and stop talking to me.

they wanted to know what i thought about the football game or if I tried a new restaurant, and now they think I’m mentally damaged and avoid me at all costs in the break room.

win-win.

I have never been involved in a group chat.

Does that make me a virgin?

not literally. they aren’t going on about how their mortgage is 3543.22 and they refinanced to 3212.35.

but they will like, say how they can’t move because they are locked in because of low rates and they religiously follow the mortgage rates changes and housing prices, and how they can’t afford the home they want, or multiple homes they want. or the remodel on their kitchen, that they want.

they will like sit there and asses other people’s houses, their value, what they are doing with them, why they are wrong/right, etc. endlessly. I can’t walk down the street with my sister without her commenting on every third house and if she would buy it or not.

i own a condo and I honestly never talk about it and people think I’m the weirdo. I also want to buy a small home, and never really talk about it. Most people want to talk for hours about it. I just… find the whole process/ideal super boring. like I don’t care about the sq ft of the bathrooms or whatever.

for most people home ownership is a huge part of their identity and they are totally preoccupied with it and comparing themselves to everyone else’s home and whether or not their home is better or worse.

huh, where do you live? tolls are all automatic at full speed now. and have been so for well over a decade.

last time i had to stop for toll booth was probably 2010, and even back then they already had a automated lane, but it was 20mph, not 65+

me too, but 80% of my fellow citizens don’t agree. they think taxes are too high and want them lower.

but also we need to spend more on schools, infrastucture, etc…

almost like they can’t do basic math…

Because of the Prestige.

Schools like MIT and ivys don’t teach you anything you can’t get at State Uni.

What they get you is social prestige, that is far more valuable than anything you could ever learn. And people are desperate for it.

Besides that, have you ever met an average student? They don’t want to do work. Often, they are so invested in avoiding doing the work, they will spend more time to not do it, than it would take, do it. Most students are only in school, even at university level, because it’s something they are ‘forced’ to do. Because learning is hard and painful, and human beings desperately avoid it at all costs unless they are weirdos.

How do you get experience? oh right… buy doing shit… which is from memory…

No, jackass. You put up the straw man. It’s called ‘memorization’ there.

But I’m not surprised you go around telling other people their arguments are logical wrong, rather than, realize it’s your own that are…

How are you even typing sentences to me in the English language? Maybe because… you memorized the language, it’s grammar, it’s rules, and you use it every moment of every day of your life? Who taught you that, did it just spontaneously occur, or did you learn it by using google?

the very fact you can write comments here undermines your own argument that ‘memorization is worthless’. but your own critical thinking is so stunted you don’t even realize that. you’re under the false impression that you can run a marathon without knowing how to walk, and why bought teaching people to walk, because everyone can just drive a car 26.2 miles rather than walk or run!

You are the reason the education system is so horrid, because everyone thinks like you. And they make arguments to avoid learning the basics rather than… shutting up and doing it. Just like the kids in PE class who would sit out ‘in protest’, who then wondered why it hurt when they ran…

what is the ‘real world’ then?

am I in a fake world, because memorizing shit is what I do all day. I have to do that because it’s my job to know things and teach those things ti other people… I guess my 150K IT security job is ‘fake’ though, right?

how can you find a fact if you don’t eve know what a fact is or isn’t? what if i google a multiplication table and it tells me 2 x 2 = 16? am i suppose to just take that as the ‘answer’ even though I have memorized it’s 4?

Yeah. I think a lot of folks make attribution errors. They don’t remember how much introductory work is memorizing stuff, because they haven’t done introductory work in 10-30 years, so they are like 40+ and don’t understand how all their skills and experience make them not have to memorize anything… because they already know tons of stuff.

It’s like… how do you learn a foreign language? You memorize the words, the phrases, and learn the grammar to take the words you learned and put them in the correct sequence… but folks today are like ‘nah I’d rather just use my phone to translate it all and then claim I am speak a foreign language’.

Our issue is our education system isn’t teaching people memorization anymore and hasn’t done that for 20-30 years. That technique was already ‘out’ when i was a middle schooler, and frankly I had to go back and re-learn things later in life because well, I never memorized it as a kid because my school refused to teach us to do that. Like English Language Grammar. Today I doubt kids even know what grammar let alone can identify the basic parts of speech and their functions in a sentence.

Education today is so far removed from the basics. It’s funny… in countries where they do focus on rote learning… their outcomes are better. Because they actually understand knowledge in hierarchical and you can’t learn advanced things without strong foundations of the basic skills that require memorization via repetition…

right, so why bother with education at all?

let’s just hire 5 year olds with tablets. clearly just as good as a 25 year old with a master’s degree in engineering.

both of them are just gonna google everything and input into the LLM anyway, right?

just like me and my ex.

funny thing is, we never saw each other at work anyway, so after the break up we never saw each other at work forever.

would you rather have general taxes be higher? someone has to pay for road upkeep.

in my state we refuse to raise the gas tax, so tolls go up, registration fees, etc.

we had a law that pegged the gas tax to inflation, and a ballot measure removed it, because the citizens are idiots. so now we all pay like double our registration fees.

if you don’t know the basic facts and history of your profession, what do you know at all?

memorization is a basic skill. you can’t learn anything without memorization. the more you do it, the easier it becomes.

memorization is how you build pattern recognition.

but please go off on how memorization is ‘useless’ and how schools need to teach ‘critical thinking!’ as if critical thinking can exist without… memorizing the basic fact of anything.

if MIT isn’t anti-israeli they everything they’ve ever. done and every student/prof who goes there is the enemy.

that’s what.