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Joined 2 years ago
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Cake day: July 3rd, 2023

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    1. Amendment that Congress cannot limit the size of the House of Representatives. This will eliminate the Appointment Act.

    2. The Senate should be increased to 10 per State. This will make bribery significantly harder.

    3. A new branch of government (People’s Branch) which has the sole job of ensuring the transparency of the government by auditing, investigating, prosecuting for corruption of all members of the Federal government. The branch will be run like a Union where a board of 15(ish) is elected nationally and they appoint a speaker. Term limits are 1 term, six years, non repeatable, and members are not to have served in any other Federal branch for at least 5 years before or after service in the People’s Branch.

    4. All elections for Federal positions are to consist of RCV or (or better) voting methods. FPTP is banned.

    5. National firearms laws that forces 1-year of firearms training for anyone, including law enforcement, to wield a firearm. This will include de-escalation classes, proper weapon safety, and other known weapon safety measures with requirements for recertification every three years. Penalties for violation will be severely increased.




  • Eh… The US economy is practically driven by lending to the individual consumer. Banks created a system to identify risks to lending to individuals. Higher scores mean less risk of a bank losing money on an individual. So those high scores are presented with higher credit limits and lower interest rates.

    The issue with the individual credit score is that it has become ingrained in society as a litmus test for trustworthiness and credibility. So low scores are rewarded with higher interest rates, lower credit limits, and hit with bigger deposit requirements. Background checks for employment and housing are probably the biggest issue in this regard. If there is a score-tanking event in your life (such as bankruptcy due to healthcare emergencies, for example), it becomes exponentially more difficult to bring yourself back to financial stability because your bankruptcy is reported to the credit bureaus, they tank your score, and you then struggle to find a good job to bring you up again.

    A lot of people who happily get credit cards without knowing if they can pay do not fully understand the consequences of not paying. It goes far beyond a bank merely telling you “no”.