this post was submitted on 28 Dec 2025
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Showerthoughts

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A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. The most popular seem to be lighthearted clever little truths, hidden in daily life.

Here are some examples to inspire your own showerthoughts:

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    • If your topic is in a grey area, please phrase it to emphasize the fascinating aspects, not the dramatic aspects. You can do this by avoiding overly politicized terms such as "capitalism" and "communism". If you must make comparisons, you can say something is different without saying something is better/worse.
    • A good place for politics is c/politicaldiscussion
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A credit card is a card to say "these people will pay you and I'll owe them money"

With a gift card, you're choosing items that have already been paid for, the company already got the money and you're just picking out what you want to buy with it

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[–] TranquilTurbulence@lemmy.zip 13 points 10 hours ago (3 children)

Money first, stuff later = gift card
Stuff first, money later + extra money = credit card

[–] dohpaz42@lemmy.world 8 points 9 hours ago

If you can pay your statement balance on time, then there is no “+ extra money”.

~That is often much easier said than done.~

[–] dogdeanafternoon@lemmy.ca 4 points 9 hours ago (1 children)

You mean less money right? Most credit cards give you 1-2% back.

[–] TranquilTurbulence@lemmy.zip 7 points 9 hours ago (1 children)

If you pay your bills on time, you can take advantage of that. You can think of it as a tiny discount, but the credit card company thinks of you as dead weight.

However, those companies also have clever mathematicians who have figured out how much to give you back and how much interest to demand from the people who don’t pay their bills on time. The house always wins.

[–] dogdeanafternoon@lemmy.ca 6 points 9 hours ago

The house wins as a whole, sure.

But on an individual level, if you are smart about it you’ll spend less than you would with other payment methods.

[–] FreshParsnip@lemmy.ca 4 points 10 hours ago