Confla-not-so-great

Greece burning down. California burning down. The UK burning down. Sweden, Siberia…ok, are we allowed to say it’s climate change yet?

The world a hundred years from now is going to look nothing like today. Glad I am not young. Sorry, Millennials and those of more recent vintage, but you are pretty much screwed.

The High Cost of Being Skint

Yep! Here’s all the things I don’t pay for that I did when I was poorer:

1) My bank accounts.
2) Money orders.
3) ATM fees. I can use any ATM anywhere in the world and guess what, it’s free!
4) Foreign currency fees.
5) Cashier’s checks.
6) Checks in general.
7) I get super-low interest rates. Like at or sometimes below prime.
8) Mortgage fees are either lower or non-existent.

Also, I earn higher interest rates, I can do free stock trades if I wanted to at my bank account, and many other things I am forgetting are free or waived. (And I know I am forgetting a ton.)

Being (relatively) well-off has saved me so much money I can’t even tell you. Being poorer would cost me at least $3,000 a year, conservatively. More likely in the $5,000 range.

Being poor costs in other ways, too. If you’re poor you have to take whatever job is on offer. You can’t afford to wait. If you have enough to wait, you can pick and choose (which I do). So this increases your potential and actual income greatly, too. I know it has mine, that luxury of being picky.

Chater Box

The below is one of the stupidest, least-informed articles I’ve ever read.

There Is No Such Thing as Unconscious Thought.

The problem with “experts” is that at least 20% of them are attempting to con you. Alas, this is not the case here. Would be better if it were. Another 10% of experts aren’t really an expert at anything — they just got lucky enough to get a PhD or similar from somewhere or other. That’s the case with Mr. Chater here.

Even a single second of thought (conscious or unconscious) shows that his contention is utter horseshit, yet this was published somewhere.