this post was submitted on 03 Feb 2026
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Work Reform
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A place to discuss positive changes that can make work more equitable, and to vent about current practices. We are NOT against work; we just want the fruits of our labor to be recognized better.
Our Philosophies:
- All workers must be paid a living wage for their labor.
- Income inequality is the main cause of lower living standards.
- Workers must join together and fight back for what is rightfully theirs.
- We must not be divided and conquered. Workers gain the most when they focus on unifying issues.
Our Goals
- Higher wages for underpaid workers.
- Better worker representation, including but not limited to unions.
- Better and fewer working hours.
- Stimulating a massive wave of worker organizing in the United States and beyond.
- Organizing and supporting political causes and campaigns that put workers first.
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Sure but if we pay off the full debt our FICO credit score will go down. You gotta carry a balance nowadays.
Just as a heads up, you dont need to carry a balance and be charged interest - you can pay off your cards each month, and thus never accumulating interest, and still have an improved score; simply pay the statement balance before the due date
I've seen people have their cards cancelled for doing this. Rare, but not unheard of.
If you're doing that you have zero need to bow to any single credit card company.
I don't even read 90% of the credit card offers I get, I have plenty of cards, and they are all at zero. Go ahead, cancel me. I'll have a new one in 15 minutes.
I wish this were true, but I have personally seen my credit score go down when I finished paying off accounts like car loans. A FICO credit score is a measure of how profitable a customer you are, not how likely you are to pay it back. Credit cards are a particularly expensive way to do this, but lemme assure you that taking out a mortgage will do wonders for your score.
Yes, i was talking about revolving credit
Well, actually yes, countries paying down their debt is not a good thing.
But they can switch the debt into a form that doesn't pay any interest.
As a holder of US debt, I like that it pays interest. It’s what’s so silly about all this debt stuff — we owe the money to ourselves (I mean that broadly, not that only Americans hold American debt, but that the beneficiaries of national debt are the broad base of investors and institutions that hold that debt). The debt is what we use as currency. The idea that carrying no debt is desirable is based on an analogy to a household budget, but households don’t issue fiat currency, and also households carry debt too!