ObjectivityIncarnate

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  • 118 Comments
Joined 2 years ago
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Cake day: March 22nd, 2024

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  • I think it will continue to rise. People are updating their rigs all the time. Whenever they update their rig they’ll have to ask themselves whether they want to continue with Windows on their new rig, or try with something new.

    The vast majority of this increase is from people playing on Steam Decks, which run on Linux, not from people switching to Linux on their PCs.

    If it continues to rise, this is the reason. The general public is less and less into using a desktop at all as time goes on, much less running, and much less changing to, an extremely niche operating system on one.

    EDIT: The previous sentence is actually more of the reason, upon further reflection. The total number of people playing on desktops period is falling, and the vast majority of desktops are Windows, so non-Windows OSes will comparatively gain ‘market share’ as that happens, even if their numbers don’t change at all.















  • What do you mean paying off a loan made my score lower??

    It doesn’t, you just don’t know how it works.

    You’re probably seeing that on Credit Karma, which uses a score that stops counting closed loans immediately, whereas the actual credit reporting bureaus’ systems have them stay on your credit report for 10 years from the date of closure. While they remain, they do continue to count toward your average age of accounts (AAoA) in most scoring models (including FICO). That means even closed accounts can help keep your average age higher.

    And given that your average account age doesn’t need to be anywhere close to 10 for you to have ‘perfect’ (750 and above puts you in the highest tier in the eyes of every lender) credit (hell, account age is only like 15% of the score), this is actually not an issue, at all. My average account age is less than 8 years and my score’s over 800. Just make your payments on time and you’re good. You don’t even need to accrue any interest—using a credit card and paying it completely off every month works just fine, that’s what I do.

    I have more disposable income!

    Having income isn’t proof you can be relied on to promptly pay back a loan, having a history of having promptly paid back loans is. A third of people making over $200,000 a year live paycheck to paycheck—just because you’re making money doesn’t mean you’re a responsible borrower.