Reddit unrealistic optimism plus#
Under the formula prevailing in the U.S., cardholders need only pay 1 percent of the principal balance plus interest and fees to be deemed current on their accounts. Yet no national regulator has yet homed in on the core structural problem: low minimum payment amounts. Regulators in the U.S., U.K., Canada, and Australia have initiated enhanced disclosures, tinkered with choice architectures with respect to card repayment amounts, and experimented with automated repayment options that could help accelerate paydowns. Policymakers have explored ways to help consumers reduce or avoid protracted credit card indebtedness to help them save on interest expense, build liquidity cushions, and leave more of their credit lines available for emergencies. 2 A large subset of credit card revolvers carry their debt for protracted periods, sapping their ability to save, using up available credit lines, and, when excessive card debt leads to delinquency or default, leaving them unable to access less expensive forms of long-term credit. That figure approaches the amount of interest paid by all households on auto loans and leases. families who revolved credit card debt 1 paid an estimated $111 billion in fees and interest in 2021. So as you can see (at least in my opinion) both are two ends of the same stick.Senior Advisor - Financial Health Network Optimism is simply not sustainable, thus not realistic, and pessimism greatly limits the potential of that sustainable state. Think of your feet, you can skip on either one but the bone will eventually snap as the above mass was designed for two feet and one leg will never be as strong at two legs. Pessimism an optimism are the extremities of the realism thus they are holistic. Tolle was in the same place as Ligotti was/is whereas Ligotti managed to derive pleasure from revelaling his subjective own truths about something as painful for him as the idea of humanity itself. The contrast between the two was biblical in scale.
Reddit unrealistic optimism series#
I felt intrigued by the philosophy behind TD series so naturally went and read the "Conspiracy against human race" by Ligotti and within the same week read the "Power of Now" by Tolle. Well from my experience I had a moment of clarity when I ran into both in a short span of time. Now I'm doing it again and being much more productive. It helped me make a lot more money before, but then I quit doing it, and my income went down.
I don't personally know any winners, so I watch videos and listen to mp3's of winners and success gurus. They say get around the winners and let them influence you with their thought patterns & behaviors. I heard your income is the average of your friends' incomes. I think they are bad for me to be around. How are you going to get to a better place if you don't believe you can? But I hate pessimists. You may be able to have, be, and do more than you think you can. I think you can improve your life by being optimistic. But what's not true today can become true tomorrow. She thought people were better than they actually were. I'm probably a realist, but I think it's good to be optimistic as long as you don't gamble too much on very unrealistic expectations, such as the idiot (probably an INFP) who traveled alone through dangerous parts of the world and got herself killed. All the web sites say it's best to be a realist.
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