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

      2/ And a final argument against it: we are what we train ourselves to be There is a case to never borrow money to reenforce the strength of the Chesteron Fence / Schelling point. Create the image of being debt free as an investment for later!

      2 replies 0 retweets 10 likes
      Show this thread
    3. Todd Barrett‏ @thepiclord 2 Sep 2019
      Replying to @MorlockP

      Pretty much this. TANSTAAFL. Credit card companies offer 0% APR on purchases for 12-24 months, even if it is short-term loss to them, because teaching someone to rely on credit means they make it up long term. Is *possible* to beat house, but don't assume you're not the sucker.

      1 reply 0 retweets 1 like
    4. Todd Barrett‏ @thepiclord 2 Sep 2019
      Replying to @thepiclord @MorlockP

      You think "I have the money to pay for it so I'll just pay it back over time." Emergency hits and now funds are spent elsewhere, takes 3-6 months to recover, and suddenly the debt is due too. Unsecured debt almost necessarily increases fragility.

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

      yep you entirely underestimate what you chance is of being unemployed / in the hospital / whatever ~8 months out

      2:01 PM - 2 Sep 2019
      • 1 Like
      • Todd Barrett
      1 reply 0 retweets 1 like
        1. New conversation
        2. Todd Barrett‏ @thepiclord 2 Sep 2019
          Replying to @MorlockP

          Indeed. There's an efficient, effective, and antifragile system built over centuries (millennia?) to enforce ALL debts. Chance of any of your debt being forgiven/forgotten <1%. No system ensuring your income remains stable. Chance of financial emergency during your life >50%.

          1 reply 0 retweets 1 like
        3. Todd Barrett‏ @thepiclord 2 Sep 2019
          Replying to @thepiclord @MorlockP

          Realization came to me late in life but debt = persistent burden that exposes you to greater risks whilst income = fragile safety rope that's always 1 day away from breaking helps you realize why you should avoid any habits that lead to increased debt.

          0 replies 0 retweets 1 like
        4. End of conversation

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