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Cake day: October 16th, 2023

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  • There’s also an element of whether or not the lendee can reliably make payments. Always having late fees doesn’t show that you’re able to reliably make companies money. And when you’re making payments on time without fees, they still get money from the fees they charge the business. So using and paying back is still good for them. It’s still all about the money, because it always is in the US.






  • This is what I tend to say to people about Harry Potter as a series. It was the first series like it to become popular, and that’s its only merit. Overall it’s very tame and bland, but it got lucky and became popular. I didn’t like it because it was too same-y. After book 3 or so, I don’t care about Harry Potter anymore. Explore someone else that’s more ordinary. It makes a much better setting for derivative works, which to me as someone who writes textbooks of lore for RPGs is more important than just making a series sell well.