Depending on the company/the department, it's also a goal to avoid legal trouble. Which can sometimes benefit the employee, but if HR is acting in your benefit there's a decent chance you could have sued the company
Well it could be very fast. This administration has proven that you can ram through a lot of change very rapidly. Theoretically a progressive president could do the same.
My only hope for the future is that younger generations seem to not care about "political dynasties". I'll never understand the boomers obsession with ensure one family keeps power for generations. It doesn't make sense
Yep we have evidence in the paleolithic of individuals without teeth living for several years after they lost them. That means their community was chewing their food for them. Which is crazy to think about.
Not to mention there is also evidence of severely disabled people, typically from injuries, surviving full lives. These individuals mobility would have been very limited, but people jus took care of them. Because that's what you did.
I've made it to what is typically classified as an "excellent" score with practically no debt and have paid no interest all while spending within my means. Here's how I did it.
I have several credit cards that I keep paid off every month. I almost always buy things with store promotion credit (no fees or interest), which is typically another credit card or small loan, and pay it off within the promotional period. I do this with purchases I need to make anyway, like a washing machine, and not on anything frivolous.
I paid all expenses for a nice vacation recently with new travel cards. I could have paid out of pocket, but now I can pay it off slowly with 18 months interest free and get the points.
I do drag these payments out a little during the promotional periods because while I can pay outright I do like keeping cash reserves for emergencies. That probably does help.
The only loan I have ever had was a very very small student loan. Paid that immediately after covid loan pauses ended. I did recieve a credit hit of about -20, but in 3ish months I was above where I started. I've noticed everytime I pay off any large credit it takes an immediate hit, but always grows higher in a few months.
So far I've not been denied on any credit I've accessed and typically get good terms, so I'm not sure how true it is that I'll be denied for having a good score. But I am just barely at that "excellent" score.
Now the downside and credit to your point is this took a very long time. If I bought a ton of things I could barely afford and just barely made payments, maybe even missed a few, my score would have grown so much faster. Paying on an irresponsible loan for 5 years is considered "better" than me paying my credit card off every month.
Imo that's the racket, people that spend irresponsibly grow their score much faster. It does indeed promote overconsumption.
But it is still possible to grow a good credit score with slow incremental work. It's unfair and a bad system. I'd rather not have to do any of this, but it's possible.
I really enjoy a white claw or the various similar brands. I don't know what it is but if I drink a lot of those I have a "lighter" feeling of drunk. It feels nice, and I never get hungover from these drinks. I'm sure it's possible of course
New roads are unlikely to fix issues in many places. Small to medium sized town building a new connector would be helpful. Not so helpful for anything large or metro sprawl. Those places mostly limit themselves to adding additional lanes with little result
Sure an extra lane can relieve congestion, for a bit then 10 years later you're back to where you started or worse.
This is mostly due to the fact that American cities grow sprawl and not density. So basically unless there's a population collapse adding another lane is a temporary solution.
That's why they are basically always adding new lanes, they can't keep up with the demand. So instead of continually trying to keep up with demand it's time to work on reducing demand
Depending on the company/the department, it's also a goal to avoid legal trouble. Which can sometimes benefit the employee, but if HR is acting in your benefit there's a decent chance you could have sued the company