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Joined 7 months ago
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Cake day: March 3rd, 2024

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  • In English, “biological” is a relatively neutral word when used by itself. It just means “of material caused by life.” Organic, in the context of food products, carries the notions of “natural purity” and “without laboratory-made additives/pesticides/fertilizers.”

    But, as you say, “organic” doesn’t really mean that, the US guidelines for what qualifies as “organic” are far looser than most people think, and will vary between different kinds of products. Kind of like how “cage free” eggs are not necessarily any more humane, and could arguably be less humane depending on the farm.






  • Right up front here - I am not suggesting that sovcits are in any way correct in their weird opinions on how anything works.

    But –

    You can have your employer not withhold taxes; your taxes are your responsibility. But many employer payroll departments will balk at that and tell you “they can’t do that,” probably because it’s such an unusual thing for people to want to do that they don’t want to deal with the hassle of it.

    Of course, doing so is likely to raise a flag with the IRS. Pay your taxes.


  • In order to open a line of credit (credit card or loan), the lender will pull your credit record to determine your creditworthiness. The “big three” credit record companies being referenced are Transunion, Equifax, and Experian. Based on your credit “score” with one or more of those reporting agencies, the lender will approve or decline your request to borrow, and determine the interest rate they’ll charge you.

    “Locking your credit” means telling those reporting agencies, “Hey, don’t let anyone pull my credit.” Why would you want to do that? Because of identity theft. If someone gets enough information about you, they can borrow money using your identity, and never pay it back. This situation is a fucking nightmare.

    By locking your credit, you gain a huge amount of control over anyone - including yourself - from borrowing from a lender. Each credit reporting agency offers this option, at no charge, and the lock can be temporarily or permanently lifted by you (login, 2FA, sometimes you can even specify a specific lender who is allowed to pull your credit while continuing to forbid anyone else).

    It is highly recommended to lock your credit. Frankly, it should be locked by default. In September of 2017, Equifax announced a data breach that exposed the personal information of 147 million people. That’s essentially everyone in America who can take out a loan.

    OP’s post indicates that there are at least two lesser-known reporting agencies that you should look into to secure your credit reports.