Most consumers don’t buy their own routers. The only time I’ve helped people buy routers in the last decade is to get one you could install a vpn on. Looking at the wireless standards never crossed our minds.

I’m saying people who don’t play this credit game but otherwise are good financially also think it’s dumb. Not just bad risks.

You’re discounting the people who have always lived within their means and so never took on debt. They also don’t have good credit. They’ve never missed a payment. They’re good for the money. But they don’t have a history showing that because they’ve never needed that.

They said service the debt, not pay off the whole thing. For an analogy, your whole mortgage being less than your annual salary isn’t a requirement; your monthly mortgage payment being a fraction of your monthly salary is.

Periods going away or getting lighter is a side affect of hormonal IUDs. Copper IUDs have no mechanism to make them go away, and seem to pretty commonly make cramps and bleeding worse. .