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MorlockP's profile
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
@MorlockP

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ⓘ Dogs don't have thumbs

@MorlockP

Two-time Prometheus award-winning hard science fiction author. https://www.amazon.com/dp/B005JPPMS6  Learn how to homestead https://www.amazon.com/dp/B093BC3K1T 

Aristillus Crater, Luna
amazon.com/dp/B005JPPMS6
Joined June 2012

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    1. ⓘ Dogs don't have thumbs‏ @MorlockP 2 Sep 2019

      ⓘ Dogs don't have thumbs Retweeted  🎀 sonya supposedly  🤖

      counterarguments: * free financing is only offered when the real interest rate is pretty close to 0 anyway * cognitive overhead of staying on top of payments costs more than the interest * miss payment -> penalties - classic case of "picking up pennies ahead of a steamroller"https://twitter.com/sonyasupposedly/status/1168620369638375424 …

      ⓘ Dogs don't have thumbs added,

       🎀 sonya supposedly  🤖 @sonyasupposedly
      retailers offering 0% interest financing on moderately sized purchases is kind of awesome like do I really need to milk the time-value of $150? no, but how neat that I can with interest it would be a bum deal, but e.g. @POTVlife pays for customers' @sezzleinc interest
      Show this thread
      4 replies 0 retweets 21 likes
      Show this thread
    2.  🎀 sonya supposedly  🤖‏ @sonyasupposedly 2 Sep 2019
      Replying to @MorlockP

      this may change, but from what I've read these services go WAY easier on you than a credit card, and the ones I've looked into more thoroughly haven't had compound interest

      1 reply 0 retweets 1 like
    3.  🎀 sonya supposedly  🤖‏ @sonyasupposedly 2 Sep 2019
      Replying to @sonyasupposedly @MorlockP

      makes the most sense if e.g. you can't afford a $1000 mattress right now but you can make 10 payments of $100 over the next year. (not being able to afford a $1k one-off is obviously less than ideal, but that's reality)

      1 reply 0 retweets 2 likes
      ⓘ Dogs don't have thumbs‏ @MorlockP 2 Sep 2019
      Replying to @sonyasupposedly

      I think that the advantage of "good bed 10 months earlier" is smaller than the learned bad habit of "borrowing is OK".

      1:40 PM - 2 Sep 2019
      • 5 Likes
      • sonomono Wæcnan zywiec Covfefe Anon 🎀 sonya supposedly 🤖
      1 reply 0 retweets 5 likes
        1. New conversation
        2.  🎀 sonya supposedly  🤖‏ @sonyasupposedly 2 Sep 2019
          Replying to @MorlockP

          certainly arguable! I think it depends on the person if the general point here is "people in general are bad at handling debt" I fully agree :P

          1 reply 0 retweets 2 likes
        3.  🎀 sonya supposedly  🤖‏ @sonyasupposedly 2 Sep 2019
          Replying to @sonyasupposedly @MorlockP

          I actually hate how much I have to rely on credit cards, but I need to float travel expenses before getting reimbursed fairly often =/ (work will book stuff for me, but random conferences might not)

          0 replies 0 retweets 1 like
        4. End of conversation

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