You’re high on mushrooms in the Viking age, the gods are all around you

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Joined 8 months ago
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Cake day: July 12th, 2025

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  • Most people that don’t have a credit rating don’t have the secondary information they’ll ask for to do the manual underwriting process, and it seems nobody publishes direct data sets on no credit rating loans, but I did find some estimates at around 0.5-2% that’s still thousands of mortgages a year but not really significant amount overall.

    I thought it was closer to 8-10% but that was bullshit after looking into it more to get the numbers above, and if it’s only 2% then I’ll rescind the original statement & stand corrected, that’s for any practical measure a requirement.



  • I’m not comparing the systems or saying it’s better, but you don’t need a credit rating to get a mortgage on a home in the US and are doing yourself a disservice repeating that talking point.

    If you don’t have a credit rating they’ll ask for other evidences you are able to pay off a 15-30 year loan like consistent and not missing payments on a phone, rent, utilities, internet, etc steady employment, bigger down payment. it’s called manual underwriting or a non traditional mortgage application.



  • When your absolve yourself on any moral judgement and follow a divine command ethics you have no morals, just unquestionable commands from an authority. When you absolve yourself on any moral judgement because you’re a maga cult member getting your motivations from a political authority and the people giving those commands are nihilists who refuse to engage in ethics because their philosophy hasn’t developed past childish egocentrism you don’t just have bad morals, you have no morals. And the rest have compromised morals by their inaction to remove unethical violent children from positions of power within communities and government.



  • The insurance company is going to have a doctor who said you don’t need it. They will try to hide who that doctor is, specifically what their NPI is, which can be used to personally identify the doctor who made the medical judgement against your doctor’s without having to provide further explanation than they’ve already given. Depending where you are they may have to provide more information when directly asked for specific evidences, or will suddenly change their rejection on the claim with a letter from an attorney asking for specific details in writing. They know hiring an attorney is expensive and bank on people not advocating for their rights & people with severe medical issues not being able to afford to.

    a list of things to request from your insurer that may cause them to charge their determination

    And lastly a video of a surgeon being denied the NPI of the insurance’s doctors who are likely breaking the law hiding behind the idea that insurance doctors are so hated they need to hide their identity even from other doctors to prevent reprisal. She was blacklisted from United claims for this video and others like it.

    https://youtu.be/AZhCYisIQB8



  • It’s really easy. I installed dirty unicorns and a few others onto an Android phone years ago and had to install a program and follow a bunch of steps, adb, etc. GrapheneOS can be installed from a browser using another phone or tablet with each step basically a button on the site. I was a little surprised how simple it was.





  • For decades James Randi offered a million dollars for any evidence of supernatural shit that can be tested. Many people tried, but none were able to produce evidence to earn the money.

    If ghosts were a very rare occurrence and only 0.00001% of all dead people produced ghosts we would still be completely overrun by ghosts everywhere, they would be mundane in how common they are. And that’s not counting ghost animals, ghost dinosaurs, etc.

    The impulse to believe in ghosts can be explained as well. For most of human evolutionary history we had predators (cats, bears, wolves, hyenas, etc). If you heard a noise in the bush and didn’t assume it came from an agent you were more likely to be ambushed than if you assumed it was an agent even when it was just the wind. The survival trait biased us towards assuming agency even when it’s not. When you hear a noise in your home at night your first though isn’t settling foundations, it’s intruder.