Zorba the Hutt (zorbathut) wrote,
Zorba the Hutt


So a while ago I was robbed - you all know this, unless you don't read my journal, in which case how are you reading this?

And naturally this means I have to replace things, and, duh, that can get kinda expensive. I tend to buy stuff using a credit card - better fraud protection than debit, more convenient than check, far less dangerous than cash - and I just pay it all off at the end of the month regularly. This is normal for me.

Apparently, most people don't do this (for god only knows what reason) - they just put it on their credit card and keep paying ludicrous interest each month. Go figure. And my credit card company is, not surprisingly, geared towards people who do that.

So, as near as I can tell, last month my standard "pay everything off" monthly payment went over some threshold - and my credit card company panicked and sent me some credit-card checks that I could use to get more debt under them at reasonable prices, completely unaware that I have no desire whatsoever to do so.

Which is actually kind of tempting. I mean, technically, I could get $4000 from them, deposit it into my account, and invest it. They say I can get 2% APR for 12 months, plus a set fee of 3% (1% of which they'll actually refund). So I could, technically, take out this loan, throw it into an index fund, and - probabalistically - make about $150 overall, assuming 8% returns (and also compounding yearly, which is stupid, but I'm just doing back-of-envelope calculations right now and I'm lazy.) Which is a really pathetic amount of money, so I won't, but it still amuses me.

Yes, I actually calculate things like this.

I suppose I could write this big long rant about why on earth people don't, and why Flametongue Weapon is actually pretty competitive with Windfury Weapon against high-level monsters, and why Rockbiter is superior to Windfury if your weapon doesn't do high DPS, and why Flametongue Totem and Rockbiter Totem are actually useful despite 95% of the WoW community saying they suck. (The latter has saved my virtual life, and I haven't been in a good situation to use the former since I realized its use.)

And yes, this is related.

I won't, though. That's another rant altogether.

Meanwhile, my credit card company is apparently still convinced I'm about to dump them, and has sent me another pleading letter. I'm tempted to call them up and tell them to stop wasting paper.
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