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About Nate

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  • Birthday 09/20/1983

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  • Gender Male
  • Location Milwaukee, Wisconsin
  1. If, all things considered, the loan offer has a positive expectation when measured against alternatives, then making the offer is a perfectly reasonable thing to do. Is your colleague implying that lenders are somehow responsible for the financial decisions of their clients? Have you inquired as to what your colleague thinks makes a loan offer responsible? It is unfair if the creditor lost money only if the debtor is dishonest. It is more unfair if the creditor has been deprived of just recourse.
  2. I'm afraid I don't understand at all what it is you are telling me. "1. To pay back the debt as quickly as possible" seems to contradict "3 & 4. In the same manner as one would in any situation, whether one was in debt or not," and I have no idea what "The debt simply limits how much money is available" means.
  3. Here are some questions I've been grappling with for a while, but have been unable to identify principles with which to answer: In a situation where one has far more debts than he or she can service, what are the responsibilities of a debtor to his or her creditors? Is it moral to prioritize creditors who are willing to accept substantially less than the full amount owed? How does one decide things like how much to spend or how much to keep aside for emergencies? If self-employed, how does one decide how much money to use for the growth and operation of a business?
  4. Stephen's Health

    Betsy, I'm sorry for your loss. I've tried to find the words, but nothing seems right. I don't think I'll find them, so this will have to do. It is amazing how many people Stephen influenced. Though he had never seen nor heard some of these people, they were effected deeply enough to break their silence because of this overwhelming event. I can only hope that your grief is dwarfed by the joy of your memories. - Nate
  5. Yes. I prefer written material. I'd like a digital transcript (i.e. pdf) even better. I'd probably buy a whole bunch of "lectures" if they were available in pdf. I own UO on CD, but I would have chosen a transcript if it were available... even at the same price. I agree with Arnold. The audio materials I have purchased have generally been of poor sound quality.
  6. What is the DIM Hypothesis?

    or is this covered by the "most people are cultural zeros" ? If so, I'd like to know more about these people and what makes them so. That's an astonishing number.
  7. What is the DIM Hypothesis?

    "I - (Objectivists) perhaps thousands or tens of thousands D1 about 15 million D2 very tiny -- Less than Is M1 very tiny -- Not very influential. M2 about 60 million -- evangelists." where does that put the other 225 million ? even if limited to legal adults, 150 million
  8. Central Purpose in Life

    "(using the likely impact on your happiness instead of your CPL as an intermediary)" I'm guessing this was the source of: "Nate, happiness comes from achieving one's values or goals. So, how does one accomplish happiness without having a purpose, vlaues or goals driving them?" This should have read "likely impact on your LIFE (and consequently, happiness)." I did not intend to advocate hedonism. Rather, some type of reduction took place in my mind, but was left unwritten.
  9. Central Purpose in Life

    See above.
  10. Central Purpose in Life

    I'm having difficulty trying to figure out precisely why one needs an (one, single) overarching "CPL" more specific than "productive work," and further, what implications having a specifically stated CPL would have. Burgess, do you have a working definition for cpl? I did see this quote rayk posted from OPAR ... "One last quote from "OPAR" on page 299, 'A central purpose is the long-range goal that constitutes the primary claimant on a man's time, energy, and resources. All his other goals, however worthwhile, are secondary and must be integrated to this purpose. The others are to be pursued only when such pursuit complements the primary, rather than detracting from it.'" If your "CPL" is telling stories from history, how would that prevent you from successfully, say, investing in real estate? I understand the need for priorities, but I don't see how having two forms of productive work necessarily leads to stagnation. I do, however, see the risk of not getting anything done if one were to get involved in too many things at one time. Also that the natural result of man's limited time is that some things need to be left undone so that other more important things can be accomplished. I am simply having trouble with how this adds up to "you need one overarching CPL." "Because, if one tries to have multiple CPL's at one time how does one choose which lecture to go to if they are both on the same day and in different areas." I don't see why you couldn't just make a value-judgement. (using the likely impact on your happiness instead of your CPL as an intermediary) I guess the bottom line is that I don't see how having multiple forms of productive leads to a contradictory hierarchy of values if longterm happiness is at the top of the pyramid. Regarding determining your CPL: "The main steps are: - Introspect. - Note which kinds of productive activities you like most -- independent of their earning power. - Decide which one kind you love or like best. ..." Like? By what standard? Let me throw out one (not-so)hypothetical ... What if someone has an illness to which there is currently no cure. They spend some of their time searching for a way to cure or manage this illness, but are unsure as to whether this goal is even attainable. Consequently, they also, say, are a computer programmer (seems to be a popular one, lol). What would you advise? Either look for a cure more of the time, or program and live with it? I think that's long enough for now, I'll come back to my further questions in the event that the proverbial ball gets rolling.