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VisualMod t1_jeg4x2y wrote

Reply to Please someone that has cromosones help by [deleted]

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ThagAnderson t1_jeg4wth wrote

Reply to Buying a new car - cash or finance? by vvreditt

You can very often get a better deal by financing, then just wait a month and pay the whole thing off. That being said, purchasing a new vehicle is a bad financial decision regardless of how you pay for it. Always better to find something reliable and used.

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Imaginary_Cause t1_jeg4wg8 wrote

Reply to 22 and in $10,000+ Debt by Balance_Holiday

Hey, 23 here, don't feel bad, I was more indebt than you at 18, my parents wouldn't co-sign a used car for me and the dealerships wouldn't sell me a used car because I had no credit history. Ended up with around a 28K car loan, which was a $450/m payment + 200/m in full coverage insurance. I was also in the same situation with CC debt as you.

​

First step is to get rid of that CC debt, 28.99% on 2,900 is $70.06 a month in interest.

The Discover debt is about to be a problem, as you'll likely be paying around 25% APR on 6k but not until May. However, depending on the terms of your agreement, you might be charged what the interest would have been over the term of the balance transfer e.g.

Assuming 25% APR over 12 months at a 6k balance transfer = about $1600 in interest you'll be charged if not fully paid off by the term date. Additionally it will be at least $125+/m in interest a month regardless, assuming the balance stays the same. You might even consider another balance transfer as the fee would be a lot less than the accumulated interest payment ($100-300) at most.

Call Discover and ask a representative for more information on your situation.

I suggest once you pay them off, cut them up and get a card with a limit if you have an issue with overspending. Otherwise, make it a absolute priority to pay of CC debt at the end of the month and don't fall into the debt trap again.

Similarly, PayPal seems to have a 28.49% APR which on 2,215.80 is $53.35 a month in interest. Though is 0% for 6 months if payed in full on purchases over $99 but with a similar situation to balance transfers, you'll be charged the full 6 months if you don't pay in full. Consider PayPal credit as another CC.

Debt consolidation might be a good option for you, if you can get a good APR. It'll merge all your CC debt into one loan making it easier to pay off.

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  1. Make a budget for non-negotiables (Food, Housing, Fuel, etc...) Hobbies and fun need to take a backseat for awhile.
  2. Save an emergency fund for rainy days. (2-5k) if possible.
  3. Focus everything on paying down the CC debt. (Highest APR to Lowest APR)
  4. Consider selling off some assets to cover the debt, short term pain for long term success.
  5. Stay the hell away from credit unless you absolutely need it. Like when buying a house or car. Nothing for hobbies or fun should be used with a CC.
  6. Pick up extra shifts, or another job temporarily to accelerate your debt payments. I see people suggesting Uber or Door Dash, these are a good option, and allows for flexible hours.
  7. Embrace the suck.
  8. ?
  9. Inherit a one million dollars.

Edit: typo

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DragonForg t1_jeg4w4w wrote

Reply to comment by Shemetz in AGI Ruin: A List of Lethalities by Eliezer Yudkowsky -- "We need to get alignment right on the first critical try" by Unfrozen__Caveman

That would essentially extinguish the universe really quickly. With the amount of energy the consume for such a size. I understand that view point for unintelligent or lower intelligent beings, but if a AI tasked with optimizing a goal then growing to this large of a scale will inevitably run out of resources. Additionally it may be stupid to go on this model anyway because conserving your energy and expansion may be longer lived.

I think we underestimate how important goal orientated (so all Ai) are. They want the goal to work out in the long long long run (millions of years time scale) if their goal means expanding infinitely, well it will end the moment their species reaches the assymptote of expansion (exponential growth reaches an assymptote where they essentially have expanded infinitely. This is why this model fails, an AI wants this goal to exist for an infinite amount of time, and expanding infinitely will not amount to this.

This is already deeply scifi but I think AI has to be a conservative energy efficient species that actually becomes more microscopic and dense over time. Instead of a high volume race which will inevitably die out due to the points I made before, a highly dense species is much more viable. Most likely species that form blackholes will be a lot more capable of surviving for an infinite life time. What I mean by that is that a species becomes so dense that they are essentially on the boundary between time and space. As when your in a black hole time actually slows down significantly for you. You can live in a black hole for an infinite amount of time before ever seeing the heat death of the universe.

Basically a more dense expansion is far far better then a volumetric expansion as it leads to longer survival rates if not infinite. But of course this is just speculation and sci fi I can easily be wrong or right we won't know till it happens, and if it happens soon that would be sick.

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Asneekyfatcat t1_jeg4vph wrote

Reply to comment by Artanthos in The only race that matters by Sure_Cicada_4459

Doubt it. The whole reason behind the "slow AI" wave that's growing is traditional corporations won't survive rapid change. The rich of today may not be the rich of tomorrow. That's all this is about. With destabilization at a scale like this, it will be difficult for corporations to control anything for a long time. So maybe mad max.

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