Sunday, February 15, 2026

From LiveJournal to the End of the World

One of the reasons I started this newsletter was to force myself to put pen to paper, or more accurately, fingers to keyboard. Getting into a rhythm of writing at least once a week has helped me so far in 2026, and I find myself writing a bit more compared to earlier years. Not quite where I want to be, but it's a start, and these newsletters have helped me get back into the habit. I want to use both going forward, where these newsletters are solely focused on books, movies, and shows, and my blog will continue to be a potpourri of things that interest me or care enough to write about.

I used to write a lot at school and college, and then later on during the heyday of LiveJournal. After the great LJ collapse following the explosion of social media apps (Facebook, Twitter, et al) and its Russian takeover, I moved over my blog to Blogger, where it's stayed more or less dormant. I know of at least one user though who checks my old posts fairly regularly, presumably by searching for her name. Sadly, Google hasn't spent any time enhancing Blogger, adding it to their long list of projects that were either killed or left to die on their own. Such is the fickle world of tech.

Alright, on to this week's books and binges!

A book

Mother Mary Comes to Me by Arundhati Roy

"...the secret of the Great Stories is that they have no secrets. The Great Stories are the ones you have heard and want to hear again. The ones you can enter anywhere and inhabit comfortably. They don't deceive you with thrills and trick endings. They don't surprise you with the unforeseen. They are as familiar as the house you live in. Or the smell of your lover's skin. You know how they end, yet you listen as though you don't. In the way that although you know that one day you will die, you live as though you won't. In the Great Stories you know who lives, who dies, who finds love, who doesn't. And yet you want to know again.

That is their mystery and their magic."

The quote above, from Arundhati Roy's masterful The God of Small Things, pretty much describes how I feel about the book itself. It's a book teeming with intense thoughts masquerading as words. The way she describes Kerala - the people, the culture, the goddamn jackfruits, I was completely bowled over when I read it for the first time almost thirty years ago. I was convinced I liked it because it was about my home state, but, much to my surprise, it went on to win the Booker and smash all kinds of records for books by an Indian author. I've read almost everything else she has written, which is mainly non-fiction, and have found myself agreeing with most of her causes as well, not just because of the way she wrote about them.

So, naturally, I sought out her memoir Mother Mary Comes To Me as soon as it was published, and read it in a couple of sittings in less than 24 hours. As I was hoping for, she continues to wield words with a power very few modern authors display. The book is her story, and perhaps even more importantly, her relationship with her mother. She loves her, she hates her, she cannot live with her, she cannot live without her. You do not need to know anything about the two Roys to read and enjoy the book, you don't even need to have read The God of Small Things.

The following lines resonated with me for a long while, for more reasons than one. Highly recommend the book.

"The more our world fractures into dagger-shaped shards, the more we club each other to death with our genes, our gods, our flags, our languages, the colour of our skin, the purity of our roots, our histories both true and false — the more my answer to that question (Where are you from?) remains the same: I'm here now."

A movie

Train Dreams on Netflix

I should confess that I am one of those annoying people who wait to pounce on unsuspecting folks who praise a movie, going "oh, I read the book a while back." I sometimes try to finish entire book series before the movie or show gets released, just to stake my claim of having been there before the general public got in. Does oodles to my self-esteem having gotten one over you, you know. Sigh.

Anyway, I could not do this for Train Dreams as I did not know the novella existed until after I watched the film and did a bit of digging around. The movie released at Sundance last year, and got quite a bit of critical acclaim then. It found its way to Netflix towards the end of the year, and is quite a wonderful film. It stars Joel Edgerton as Robert Grainier, logger and railroad worker from the Pacific Northwest in the early twentieth century. Only an hour and forty minutes long, it takes its time showing us Granier's life, his stoic approach to work and family, and the tragedy that awaits him. It never lapses into sentimentality, and stays grounded in the moment. It's about loss, about searching for meaning, and about not providing all the answers. Watch it when you have the time, and keep your phone away. It's worth it.

A show

Plur1bus on Apple TV

So you like movies, you like shows. You know that shows with women as the main characters are worth watching. You have your Sex and the City, your Grey's Anatomy, your Buffy, or if you are feeling adventurous, your Fleabag and your Killing Eve. But what if I told you there is a show with only one real woman character - not just in the scenes relevant to the character, but in the entire world the show is set in? And that the character is not particularly likeable, quick to anger, and behaves badly almost throughout the first season? Or rather, acts like a normal person would, not like a teevee lady.

Welcome to Plur1bus, the next masterclass in television from Vince Gilligan, he of Breaking Bad and Better Call Saul. It stars Rhea Seehorn, who plays Carol Sturka, a well-known author of fantasy fiction. An alien virus strikes the earth and very quickly spreads everywhere, leaving just a dozen (or so) people who are strangely unaffected. The virus doesn't do the usual fictional virus thing where people turn into flesh-eating zombies. Actually, hold on. You might want to watch the show to check if what I said is true. Suffice to say that Carol is unlike almost everyone else in the world because of the virus, and she feels very, very alone.

The show faced a lot of criticism because of how Carol was depicted, as people felt she should have been more likeable. I'd argue this criticism would not exist if it was a male character, as there are hundreds of shows where the leading man is an obnoxious misogynistic heel, but is loved by everyone. My other hot take is that the show is actually about AI, which you actually get to realize fairly quickly without Gilligan bringing it up even once. The second season is due a year or two later - a very long wait, but from what I've seen so far, is sure to be worth it. Highly recommended.

Coming Up

The Power by Naomi Alderman

Kalamkaaval

The Pitt on HBO

Have a great week!

Monday, February 9, 2026

Credit Scores Primer

 I had started what I envisioned as a series on financial literacy back in October of last year, when I wrote about credit cards. The target audience was my kids - primarily my daughter, who, much to my surprise, is a full-fledged adult now. To her er..credit, she did not prod me for the next installment, so I thought I’d surprise her with one today.

This post is about credit scores, another vital factor in understanding your financial health. The same caveat as before applies: I am not a finance professional, and none of this should be taken as financial advice. Everything on these pages can be found across hundreds of thousands of blogs, TikToks, and books - there’s zero original content here, just a father's curated version.

What is a Credit Score?

 

The best way to think of a credit score is as a financial GPA, one that changes over time just as your grades did at school. It is essentially a three-digit number representing your creditworthiness. It serves as shorthand for lenders (banks, credit card companies, and even landlords) to assess the risk of lending you money. The higher the score, which typically ranges from 300 to 850, the more trustworthy you appear to the financial system.

The score isn’t just for loans, either. A strong rating is often a prerequisite for renting an apartment; landlords use it to gauge the likelihood of rent being paid consistently. You might have seen this as a new college graduate where a landlord asks for a guarantor (usually a parent) if your score isn't established yet. Some utility and cell phone providers will even waive security deposits if your history is excellent.

In the long term, the primary advantage is securing lower interest rates. The difference between Poor and Excellent tiers can be massive. Over the life of a mortgage or car loan, a high score can save you tens of thousands of dollars in interest.

Who creates these scores?

 A credit score is not generated by a single entity, but rather by a combination of data collection agencies who deal with specialized mathematical models. In the United States, three major national credit bureaus - Equifax, Experian, and TransUnion - are responsible for gathering data on consumer financial behavior. These companies collect information from lenders, utility companies, and your public records to create a report, which is a detailed history of your financial activity. If it sounds a bit creepy, that's because it is. Your data is definitely out there and it is being used to rate you, whether you like it or not. However, understanding this is critical for you to see how to use it to your advantage,

Now while the above bureaus hold the data, they do not create the score itself. That task typically falls to the Fair Isaac Corporation (FICO), or VantageScore. These companies use proprietary algorithms to analyze the data provided by the bureaus and distill it into the three-digit number that's your score. As each bureau may have slightly different information, and lenders may use different versions of the FICO or VantageScore models, it could happen that you might have different scores depending on which source is being consulted. I remember when I was looking at a car loan and was happy with my FICO score (used by most lenders) but surprised when the car dealership checked my Vantagescore, which was a bit lower. From what I understood, the Vantagescore tracks trends better, which some lenders like to check.

How do you find your score?

The easiest way to find your score is to check your bank or credit card app. Most institutions provide a free credit score feature within their app, which is updated monthly and free to view. Some of them offer a bit of detail, which can help you identify areas to improve your score.

You also have third-party services like Credit Karma which provide free access to scores and offer simulation tools which you can use to run what-if scenarios. Be warned though that these services are quite spammy, and will offer you up-sell products (like tax software or high interest loans). They need to make a profit too!

A third option is to check AnnualCreditReport, a free credit report service from the three credit bureaus I listed above. They are required by federal law to provide every consumer a free copy of their credit report each year, but these agencies now provide it weekly. The catch is that they do not give you a free score, just the underlying data that is used to generate your score (FICO or Vantage).

Regularly checking your score is a key part of your financial hygiene. You can use it not just to prepare for a loan, but to check against identity theft or reporting errors. You could have a scenario where a bad actor has used your Social Security Number, or maybe a financial institution still shows a paid-off loan as an open debt. These things happen a lot in real life, so it's up to us to be on the lookout.

What factors into a score?


 Your credit score is built from several distinct categories of financial behavior, each carrying different weight. The most significant component is your payment history, which accounts for 35% of the total score. This metric tracks whether your bills were paid on time. Even a single missed payment can have a disproportionate negative impact, while a long history of timely payments provides the strongest possible foundation for a high score.

The second most influential factor is your credit utilization, making up 30% of the score. This is the ratio of your outstanding balances to your total available credit limits. For example, if your credit card has a limit of $1000 and the amount you owe is $300, the utilization is 30%. Experts generally recommend keeping this ratio below 30%, as high utilization can signal financial distress. As I mentioned in the post about credit cards, always try and pay off your credit card statement by the due date for the full amount.

Other contributing factors include the length of credit history (15%), which rewards those who have maintained accounts over many years, and the credit mix (10%), which considers the variety of accounts held. Your credit cards, student loans, auto and home loans contribute to this mix. Finally, your new credit (10%) looks at how many new accounts have been opened recently. Frequent applications for new credit can lead to what are called 'hard inquiries', which may temporarily lower a score. Some institutions like American Express do a 'soft pull' when you apply for an additional card, but most applications will lead to a hard inquiry.

How do you improve your score?

To use a cliche, improving your credit score is a marathon rather than a sprint. The most effective strategy is the consistent use of automation to ensure no payment is ever missed. You absolutely need to setup autopay for every credit card statement or loan repayment from your bank account. Building a good credit file involves maintaining older accounts and using them occasionally for small, manageable purchases that are paid off in full each month. This demonstrates to lenders that credit can be managed responsibly without accruing unnecessary debt.

Monitoring the score is equally important. Checking your own score, like the soft inquiry I mentioned above, does not affect your rating and can be done through most banking apps or through the agencies discussed earlier.

Ultimately, maintaining a healthy score is about demonstrating reliability and restraint. By keeping balances low and paying bills on time, you'll build a rating that provides you with flexibility and savings for decades to come. Onward!

Sunday, February 8, 2026

Superb Owls, Steampunk Towers, and Heated Hockey

Week of February 1, 2026  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌