lattrommi

joined 2 years ago
[–] [email protected] 2 points 6 hours ago

You can still pay to watch an AI enjoy the coaster if you stand in line for 2 hours.

[–] [email protected] 3 points 6 hours ago

Something I've heard in different ways goes something like this: A young man wanted a bike so he prayed to his god for a bike but never got it. So he stole the bike and prayed for forgiveness.

You already know the answer to your question. The (rhetorical) question now, is what will you do going forward?

[–] [email protected] 7 points 1 week ago

This link is about the moon but it starts by covering how to view space and orbital objects including simulators which allow one to do what you describe, as well as the ability to move the camera from on ball to the other and many other interesting simulations. https://ciechanow.ski/moon/

[–] [email protected] 13 points 1 month ago

Well, I'm stuck on a Verizon plan, so my SMS don't send anyways.

[–] [email protected] 1 points 1 month ago

i go to https://www.timeanddate.com/astronomy/night/ which is not really an app and it can be a bit wonky at times but it works better than every mobile app i've seen.

the desktop version of stellarium is the only worthwhile open source program i know about.

[–] [email protected] 13 points 2 months ago

Stay on Earth.

Pretend all is normal and fine.

Once the 'elite' have left to their new planet:

Cut off all communications with them.

Destroy any of their supply lines left behind.

Wait 5-10 years.

Watch as the Earth heals rapidly, with it's biggest source of destruction now gone and nature resumes being an unstoppable force.

Live a long and happy life, free of megalomaniacs.

Optional: hold hands with two chicks at the same time.

[–] [email protected] 1 points 2 months ago

It didn’t happen while Biden was in the height of his presidency

It didn't?

In his first year in office I remember loans were getting partially forgiven through the public service forgiveness, (for firefighters, teachers, first responders and other civil servants) Prior to Biden, that program forgave ~7,000 loans in full or in part since it started in 2007. Overall, the current leadership has forgave some or all student loan debt for over 4 million people so far. That's pretty great I think. Hopefully they manage to help a few more of the remaining 10 million victims.

[–] [email protected] 7 points 2 months ago

The key words there are 'long term'. It takes forever to get these rules and regulations in place and they aren't going to be dismantled immediately. Rome didn't fall in a day. I think IDR's and most of the alternative payment plans have fixed interest rates. You're likely at a fixed rate already. Ask about those if you call the loan servicer. Any significant change will take time and have pushback. Get your shit sorted out ASAP for sure, you should be doing that anyways. Then worry about what changes a bankrupted pedophile might try to pull.

[–] [email protected] 4 points 2 months ago

RE: cat, Looking directly at a cat or engaging with one directly can be interpreted as an act of aggression. Note that cats do not have the ability to discern species. To the cat, you are one of these things: food; enemy; a bigger cat with less hair. If you ignore the cat, it will assume you are not a threat. It may warm up to you faster this way. Some cats are just jerks too.

[–] [email protected] 1 points 2 months ago

To live my life as happily as I can. Oh and two chicks at the same time I guess.

[–] [email protected] 19 points 2 months ago (2 children)

I moved all my debt from a third party to being a government loan. Does that change anything?

Yes, that is the wisest move you could have mmade considering your circumstances as I understand. I am not an accountant, lawyer or professional of any kind that's relevant. Some of what I say here may be incorrect. To the best of my knowledge it's accurate. I am someone who had the entirety of their student loans forgiven, thanks to president Joe Biden. It took a large amount of time spent reading legalese, time on the phone with loan servicer representatives and way too much time worrying about shit which I could not change quickly or easily.

First thing: No one should ever be trapped in a situation, where they feel they must choose between bills/food/rent or paying loans granted for educational purposes and enabled/encouraged by the government. No one. Honestly it's ironic in my opinion, that there is a lack of educational resources available for mitigating debt gained solely for the purpose of education.

Thankfully, there are also many, many rules in place, made to prevent your situation and others like it from occurring.

  1. Call your loan servicer or spend time on their website.

If you suck on the phone, go to their website. If the website sucks or is confusing, take short notes and write down any questions. The most likely best option for you is an Income Driven Repayment plan. IDR. However, some people may not qualify due to whatever loan scams were available when the loan was first taken out.

  1. The servicer representatives are paid regardless of what you do.

The person you talk to is not getting a commision. Your payments do not go to them. They are there to answer your questions. Their job is to keep the account out of default. They (probably) do not want you to go into default or declare bankruptcy. They (hopefully) want you to communicate, work with them and eventually make payments or contribute to society (more on that later). The government owns your debt. That debt is also probably insured or negligable. The government probably does not NEED your balance in full on time. They have other ways of generating income, like literally generating physical currency. Having wages garnished and getting drops in your credit score are from not doing anything and gnoring the debt and their notices.

  1. IDR.

On an IDR they will look at your income and any other expenses you might have. Some things count in your favor like paying your electric bill and rent, other things are irrelevant like a nyetflix subscription or paying for ubers. They determine through algorithms or math or something if you can afford to make payments or not. If you are truly in dire finanacial stress, you probably will get a deferment if you aren't already on one.

  1. There are other debt forgiveness programs.

If you work as a teacher you can get loans forgiven. Same goes for certain types of public service. There are other repayment plan options. Check studentaid.gov, it has a forgiveness page with a wealth of information. It isn't always easy to understand because there is a lot of nuance and circumstances covered. You can try calling their hotline number too but I had better luck with the servicer. Mine were forgiven due to being totally and permanently disabled. I had no idea it was an option.

  1. Conclusion.

There are other comments here basically saying "jUsT pAy it" which aren't contributing to the conversation at all. They should be treated as what they are: trolls and losers. Fuck them. They deserve nothing, not a second glance, not a reply, not even a downvote. Fuck. Those. Pricks.

Good luck, don't let your past define your future. Unless you want it to.

[–] [email protected] -1 points 2 months ago (2 children)

I try to follow a set of rules which define how i should live my life written in my own words, which essentially restate the golden rule/10 commandments/fundamental tenets/etc. I read them as myself, as if I'm giving advice to myself. Pronouns can be tricky. I don't follow them perfectly and often will tweak the wording, hoping to avoid misinterpretation.

I call them my veritaclaritives. (veritas + clarus = loud and clear truth; probably bad latin)

  • Always look out for #1

  • Always be prepared for a #2 (e.g. romance, friendships, shit)

  • Only desire what you require

  • It's only theft if they need it more than you (emphasis on NEED)

  • Create more than you consume

  • Help people up, more and before you put anyone down

  • Treat everyone as a friend until they prove otherwise (emphasis on both THEY and PROVE; the golden rule)

  • Make amends with your friends, before an unexpected end (r.i.p. Nivec)

  • Keep your friends close, be your own worst enemy

  • If thoughts of any enemy anger you, you've already lost (note plural)

  • Destroy enemies until they are unable to do you harm

  • All enemies can be defeated through unconditional love.

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