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arthur_affect's profile
Arthur Chu
Arthur Chu
Arthur Chu
Verified account
@arthur_affect

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Arthur ChuVerified account

@arthur_affect

Mad genius, comedian, actor, and freelance voiceover artist broadcasting from the distant shores of Lake Erie (he/him)

Broadview Heights, Ohio
arthur-chu.com
Joined August 2009

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    1. Arthur Chu‏Verified account @arthur_affect Apr 11

      Arthur Chu Retweeted Merriam-Webster

      Okay so to be clear here the morbid meaning people are taking from this isn't what was intended A mortgage being a "dead pledge" is supposed to be a good thing -- it's *better* to have a dead pledge than a living pledge, it means you're the real owner of the landhttps://twitter.com/MerriamWebster/status/1380942587134156804 …

      Arthur Chu added,

      Merriam-WebsterVerified account @MerriamWebster
      'Mortgage' comes from two Old French words meaning "death" and "pledge." https://www.merriam-webster.com/words-at-play/tax-words-glossary …
      2 replies 17 retweets 113 likes
      Show this thread
      Arthur Chu‏Verified account @arthur_affect Apr 11

      A "dead pledge" is "dead" as in it's fixed in stone - you know how much money you have to pay over how much time, and as long as you make those payments, the title of the house is yours and you are the owner in every sense - free to whatever you want with it - starting now

      9:07 PM - 11 Apr 2021
      • 1 Retweet
      • 58 Likes
      • Candace Rose Perez mytherapistaskedtochangethis the perilous seat (-pockets)👖 _katiesaurus_ Howard the Disco Detective: Sick of Shit ™ 🦆🥃 ⚢⚧ Madison Konrad🖋️🌲⚔️🌌 Ken Tobe Amelia Parody Account (but also her real account) Vanessa
      1 reply 1 retweet 58 likes
        1. New conversation
        2. Arthur Chu‏Verified account @arthur_affect Apr 11

          A "living pledge" is the other kind, the worse kind You get to live here, but you're not officially the owner yet, the original owner still keeps their rights, and every so often we get to revisit the terms of the deal to see if they still like it and maybe want to change it

          1 reply 0 retweets 47 likes
          Show this thread
        3. Arthur Chu‏Verified account @arthur_affect Apr 11

          In modern times the average rent-to-own agreement is pretty close to what the ancient Romans meant by a "living pledge" for real estate And as much as people complain about a mortgage I think we can agree the "classic" fixed-rate mortgage is a best-case scenario for debt

          1 reply 0 retweets 47 likes
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        4. Arthur Chu‏Verified account @arthur_affect Apr 11

          Whereas rent-to-own is pretty often, you know, a scam As are other "living" debts like carrying a credit card balance

          1 reply 0 retweets 40 likes
          Show this thread
        5. Arthur Chu‏Verified account @arthur_affect Apr 11

          This is the big difference between a home mortgage and a car loan, the latter is a "living pledge" You do not own the title to a car when you finance it, you haven't actually finished buying the car, you WILL buy the car AFTER you make your last payment

          1 reply 1 retweet 30 likes
          Show this thread
        6. Arthur Chu‏Verified account @arthur_affect Apr 11

          As opposed to a mortgage where you HAVE BOUGHT a house, the title to the house is yours, and now you owe the bank money Legally, it is a very different situation and this difference can have serious consequences

          1 reply 1 retweet 40 likes
          Show this thread
        7. Arthur Chu‏Verified account @arthur_affect Apr 11

          (By this ancient definition, a lot of "mortgages" on homes blur the line between a dead and living pledge, like the fad for a while to offer ARMs with an introductory teaser rate and then continually refi You know, the thing that collapsed the whole US economy)

          0 replies 1 retweet 32 likes
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        8. End of conversation

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