Hi, simple request here, can we have a dedicated channel group for the economy & related financial topics? It is an important enough field of topics that deserves to be on its own and not just labeled via tags, IMO. Especially with interesting developments and happenings which may be driving political and other news, it would be nice to have them easily in one place.

Now that I look again, ~politics probably deserves its own too, although I can see how that might turn into the most raucous part of the Tildes community. Economics is usually a bit more dry though--it's nicknamed the "dismal" science after all--so hopefully that would be less of an issue.

Thanks.

Hi everyone.

I'm in a more or less of a dilemma here.
For the ones that don't know, SCHUFA is monopolistic credit agency in Germany.

The good news is that my wife is pregnant and now we need to move to a new apartment with one extra room. Luckly, a friend of us is also moving and we simply got in contact with his landlord. We sent the information about our salaries and answered a few general questions and all is well for him. But, the landlord also wants our SCHUFA score.

We weren't worried at all because we don't have any credit cards or any loans and we are very frugal with our money. We really only spend money for our basic necessities and doing our holidays. We don't have any debts; we pay everything in a timely manner.

Then, my SCHUFA-BonitätAuskunft arrived. I look at the first page, which is in this diploma-like format and it says: "We had only positive contractual information at our disposal." (Es liegen uns zum XX.XX.XXXX ausschliesslich positive vertragsinformationen vor.)

"Great!", I thought. Then, I turned to the next pages and I see "Explanatory informations for your certificate" and there it says that I'm a high risk person. Basically, my result is 335, right in the middle (scale from 100 to 600).

We have a high netto salary and it seems this doesn't count for anything. My guess is that they don't have almost no history about me (I'm only living in Germany for 4 years) and since we are not big spenders, basically we are high risk because they don't have data to infer the risk. A few months ago I opened a new bank account on Commerzbank and I guess my SCHUFA score was good enough to open a new bank account, so I don't understand.

How is it possible that in my certificate diploma-like paper says that they have only have positive information about me and then on the explanatory pages say that I'm a high risk person in basically every sector (Banken, Telekommunikation, etc)?

Now we also asked the SCHUFA score only for my wife and let's hope for the best.

I'm not a dream person. I haven't seen one, nor do I care when someone tells me their nonsensical dreams. But I was always open to the prospect of experiencing one myself.

(And yeah, IknowIactuallyseethem andIjustcantremember and blah blah blah. Shut up already! I don't know why so many people feel entitled to tell you that, but it happens every time I mention I don't see dreams. I don't care: don't remember — didn't happen.)

The closest things to dreams I experienced are a couple of times as a kid. They seem like dreams, and I remember them vividly, but I don't trust my memories from so long ago. Plus, kids are stupid, I may've just been imagining things in bed or something.

I also have dream-like experiences sometimes. If I wake up from my alarm but don't get up and sleep again, then I may feel like I had a dream after I wake up. I'm pretty sure those aren't actual dreams because 1. I have a habit of fantasizing about being a hero in a fantasy world, or having a perfect job, or having a GF, while lying in bed. I don't feel like it was a dream when I wake up normally; but I figure when I sleep again for another hour, my mind still thinks up fantasies, which are amplified by drowsiness. So I remember them more strongly, especially since it's only an hour or so. And as far as I know, dreams only happen in REM sleep, which takes a couple of hours to get to. 2. I had similar experiences while driving in the back and on boring lectures. Except these times I was concious for the entire duration, so I knew I was just fantasizing, but it still felt more real because I was sleepy and bored, and it was very similar to what I remeber after that bad sleep habit.

So I'm pretty sure I don't have dreams, but I'm excited to see one, and I'm happy to talk about them. In general, of course. Nobody gives a damn what you saw in your dream, but I'm interested to know how you saw it, what helped you see it, what you felt.

Of course I'd like to hear about lucid dreaming, it's something I wanged to experience for a long time. But also about more general dreams, or if you also don't have any, or especially if you started to see them later in life.

So, what are your dreams like?

Original article on 'Wall Street Journal': After New Zealand Shooting, Founder of 8chan Expresses Regrets

For those of you who, like me, can't read that article, here's a different article from newshub.co.nz that talks about it: Christchurch terror attack: 8chan founder expresses regret