This information is so fascinating to me. I can’t wait to see more.

Sure. But the income is generally keeping pace.

This is rather interesting. It makes all the talk about it failing seem a bit trivial.

You may also want to post in r/personfinance. Folks there will give you a way better answer than I did lol

You need to find out what type of credit pull they are going to do. If it’s a soft pull it won’t hurt your credit (maybe a few points temporarily). If it’s a hard pill it’ll knock you down maybe 30-40 points for a few months.

You’ll also want to ask the company which credit bureaus they report on time payments to. Phrase it that way so they view the question positively. If they do report on time payments, then co signing will actually help your credit score so long as your sibling makes payments. On the reverse, it would impact your score if they miss payments by more than 30 days.

Experian has a free tool called Experian Boost. It has a credit simulator where you can see a good idea of what some of these things will do to your score.

I read something awhile back that described a similar phenomena in Finland. They found genetic traits carried through several generations from those who were starving during WW2.

Here’s the real deal. Tires have very specific specifications and regulations. The differences come in with tread patterns and material compositions. Softer tires general grip better, but they also wear faster.

You are safe if you look at the warranties mileage. You can spend $600/tire or $100/tire and they’re still only warranted for 40,000 miles.

I just bought 4 new tires for $120 each. My last set was $65 each and were supposed to be 45,000 miles. I got 50,000 out of them.

And any shop that requires an alignment to change tires is taking your money. You don’t need an alignment to swap tires. Find a place that will mount/balance and call it a day.