Month: June 2023

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Why was it wrong when I said it?

I’m not sure, but I think hell froze over. John Kerry said something that I agreed with.

He says there are too many humans.

I’ve been saying that for years, but when I said it and offered solutions everyone was aghast.

When I asked why we were worried about COVID and suggested that it might be a natural culling of the weak genetics in our species, I was called cruel. When I’ve questioned our interference in natural processes by preserving the lives of, and allowing genetically damaged people to reproduce I’m called a NAZI!!!

But John Kerry saying that 10 billion people on Earth by 2050 is unsustainable and it’s the gospel from on high.

The difference I suppose is that John Kerry says it while flitting about on his private jet, drinking his water from unsustainable plastic bottles, and demanding all the rest of us live down in the mud.

I’d happily put the majority of mankind at my feet living in the mud. Why does John Kerry get all the fun?

To give you an idea what I think of the large majority of humanity, consider this.

If I could figure out how to sell 4/5ths of humanity into slavery to an alien race I’d do it. Family and friends and people who have brains, common sense, or awesome genetics, would of course be exempt.

The truly vile people, I’d sell to alien brothels because I’m a tad vengeful. Politicians and lawyers should get on their knees every day and beg God almighty that I never figure out how to send a galactic garage sale notice.

My price would be this. I’d want a comfortably sized, well armed, faster than light spacecraft, a prepaid credit card (or alien equivalent) to buy supplies and fuel that was good as long as I lived, and lastly treaties that placed our planet and entire solar system in a protected status. I’d want to give the humans left a chance to evolve into something better. I’d like to see humanity reach its potential.

Yep, that’s my price. Dirt cheap if you think about it.

The cruelty is on par with the global elites methods. My way, it’s possible that a slave could earn their freedom and be returned to Earth, significantly wiser.

While John Kerry says, the powerful governments need to address ways to provide for all the mouths to feed. The elites already know the answer. They already have plans in place. The logic is irrefutable, a whole lot of people need to to not be here. Either they’re exported off world to colonize the Moon, Mars, and beyond or they have to die.

I think this is why the global elite class seems to be intent on endless wars, internal strife, fomenting racial hatred, starvation, loss of livelihood, reduction of farmland or farmland productivity, and the degradation of mankind.

When Kerry, or people like him speak, I hear, “Us pissing on your heads is a lovely warm yellow rain. Don’t worry ‘mudboy’, in no time you’ll all be remembering fondly the halcyon days of yellow rain”

I honestly believe if Kerry and his ilk could “Thanos” the planet they would in a heartbeat. It’s possible that the only reason they haven’t put half the planet to the sword, is they’re uncomfortable with a completely random selection process and instead are trying to pick & choose.

If they’re working on choosing, my suggestion is to start with the individuals who have the largest personal carbon footprints.

I keep thinking, if Kerry is really committed to saving the planet he’ll be the first person to try a suicide booth.

Come on, we all know it’s coming.

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It’s the Apple WWDC!

I’m not quite as interested as I’ve been in years past. But I’ve got laundry running and vinegar in the drain traps, (I prefer that to caustic chemicals due to the septic system,) so I’ve got a while before I can go anywhere.

I should probably make a grocery/dog treat run but neither are critical so It’s not going to matter if I put it off a day.

I’ll turn on the WWDC in the background. I’m curious about the new features coming in the latest versions of Apple operating systems. Since my iPad, watch, and computer are all less than a year old there will be some relevance to me.

I’d have upgraded my phone but I really like the blue color and the Purple from last year was not attractive. For some reason I don’t want to go back to space gray on my phone. It’s shouldn’t matter since my phone is usually in a case, but when I’m around the house it’s not unusual for my phone to be naked. (Okay so my phone is a slut! Who cares?) perhaps I’ll upgrade my phone in the fall or maybe I’ll wait another generation. By that time the phone will be 3 – 4 generations old, the battery will be on its last legs and maybe Apple will move everything to USB C so I can toss all the Lightning cables.

I liked the additions to the various OSs. I can see using some of the newer features frequently and how they’ll make my life easier. I really liked the improvements to the Hiking app on the watch. I also like the idea of having the health app available on the iPad. That should make evaluating the data a bit easier with a bigger screen.

The larger MacBook Air is interesting too. Especially since it’s got the M2 chip, the ability to have a ton of memory and storage, and an 18 hour battery life. That makes that particular machine probably the hot ticket coming this fall.

I have to admit that I’ve been interested in the Mac Studio since it’s debut. I didn’t go that way because I like having a laptop.

However, the power of the new iPad Pro with an M2 chip is astonishing and I could see using the iPad as my only portable computer, then having something like the Mac Studio if you needed a real powerhouse when you got back home.

This is especially true since Apple Logic Pro and Final Cut run on iPad now. There are a lot of other “standard” office applications that run just fine on iPad but it you needed video or audio you had to go outside the Apple ecosystem. Those barriers are gone and honestly my M2 iPad Pro is about as functional for my needs as my laptop. I could see the iPad / Studio blend now.

I wasn’t all that interested in the AR thing that’s been rumored for such a long time. Now that I’ve seen it, it’s as expected, very expensive.

That being said, I can see the potential. I can even say I’m interested enough that I’d like to see it live and in action.

If it worked well enough, I could see it replacing TV screens for those folks that live alone. I’ve considered that possibility with just my iPad and Mac. Then again, I don’t watch cable, or broadcast TV so I might be an outlier case.

Come to think of it, I haven’t to my knowledge watched any TV using the “new” (10 years old now) digital channels that are coming from broadcast stations these days.

I literally have no clue how that works. I’ve not lived anywhere that digital channels received via an antenna were available. Even the Escondido apartment was in a “Signal Hole”. It didn’t matter too much since the cost of internet only was higher than the cost of internet and cable TV combined. Talk about desperate to keep TV subscribers! I honestly don’t recall watching anything on TV for three years. I’d watch something on a streaming channel or a movie on DVD.

That was probably due more to my weird schedule, than the quality of TV. I got home from work about 2PM and was in bed by 7 or 8 PM. So any TV I could watch was talk shows or soap operas. Other more interesting dramas were on way past my bedtime. I didn’t pony up the cash to rent the DVR feature on the cable box.

I gotta say, having a virtual screen that you could make a big as you wanted without needing a sound system for surround sound might be a slick way to really enjoy some movies.

The price tag of 3500+ might be off putting.

I did like the use case Apple showed where the lady was on a full flight and tuned out the plane and other passengers entirely.

Hell that could make flying bearable again!

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Credit Scores are Bullshit

Through my bank there is a portal to the Transunion Credit Bureau.

I sometimes look at the score, although it no longer has the meaning to me that it once did.

At one time I worked very hard to have a good rating. Then around 2008 or so, overnight my A+ credit rating simply disappeared.

I didn’t miss a payment, I didn’t open a ton of new credit, in fact I had done nothing.

What happened was a “Correction” because the banks suddenly realized that they had written a shit ton of bad loans and they were covering their asses, begging for money from the taxpayers, and in short screwing everyone by downgrading all of our credit even though there were a ton of people like myself who’d not used our homes like piggy banks and gone on spending sprees.

That day I realized that the whole credit score thing was bogus. Since then I’ve had a “whatever” attitude about it because the banks and the system can fuck us all anytime they want to. The recent bank failures are reminders of that.

This morning I was looking at my accounts, making sure that the bills were scheduled to be paid, and thought, “eh, it’s here and free, let me click on this just to look.”

I did, and my credit score is respectable, it’s not what it once was thanks to that morning in 2008 but it’s okay. At least I’m not obsessing over it like I was back then. As I was looking at the data on the web page, a comment jumped out at me and my brain rebooted.

“Having a low debt balance relative to your available credit signals to lenders you’re more likely to make on-time payments.”

That used to be called a debt ratio, it had nothing to do with on-time payments (they were a factor,) it was a measure of how much you owed versus your income, and real possessions. This was used to determine credit worthiness and your ability to repay the amount that you’d borrowed.

I know in this day and age when college loans are supposed to be paid by the tax payers and no-one is responsible for anything they’ve done, old ideas like repaying the loans you’ve taken out are passé. But there was a time when you could get into real trouble with credit and you only had two choices, get a better paying job, or bankruptcy.

What should signal to lenders you’re more likely to make on-time payments is actually right there on the same web page.

It Looks something like this:

Open Accounts – 5
Total Late Payments – 0
Accounts in Collections – 0
Inquiries (last 2 years) – 0
Age of Credit – 35 Years

Factor this data with the real assets I have, (equity – how much of my home loan I’ve paid off and current value of my home, for example,) plus my income, and a financial person should be able to determine if I’m able to reasonably take on additional debt or NOT.

You also have to factor in the cost of the loan. High interest rates for example can really screw your ability to pay the loan off. For reference see Debt Ceiling!

I learned this over time, the hard way. I wouldn’t take on additional debt right now because I’m a little close to my personal discomfort zone.

The way things are, I wouldn’t get the kind of favorable interest rate I’d want, so taking on additional debt is out of the question. I know this because I have a handle on my finances. The credit bureau isn’t telling me anything new.

Laughably, the bank and credit bureau would still give me a shit ton of credit which would be more likely to push me as an individual into default.

Financial institutions are supposed to be about profit and part of the way they do that is through responsible lending. Ideally a financial institution should be concerned enough about their customers that they take the time to explain why a customer should or shouldn’t take out a loan and that the customer understands the risks.

While foreclosing on real property does make the bank money it’s a pain in the butt. Unsecured credit such as that associated with credit cards is a losing proposition, if the bank allows a customer to over extend themselves.

Why loan someone a bunch of money you’re never going to get back?

That makes no sense unless the banks are inflating their losses then billing the FDIC somehow.

With interest rates increasing the way they have I’m betting there are going to be a lot of bankruptcies in the next few years. I’ve got some credit cards that are suddenly at 18%. I haven’t seen those interest rates since the 1980’s.

There’s a part of me that says pay off the credit cards and close those accounts. Logically you’d think that would be the wisest path because it limits your liability. But doing that would reduce your credit score.

That’s another part of the Scam. They force you to keep accounts open but unused because it inflates the arbitrarily calculated number.

I understand mostly how this works. I understand that the numbers are supposed to equalize us all and allow computers to make approve or deny decisions. I just have no faith in the numbers or how they’re created.

I suppose that why the noise over the debt ceiling makes no sense to me.

I’ve completely lost faith in the credit score system. Credit Scores are bullshit and have been for at least a decade.