I've already made every imaginable mistake so that you don't have to.

Rational Consumer


Photo Credit: pexels.com Karolina Grabowska

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The premise that consumers have all the information readily available with which to optimize their purchasing decisions is at once both fundamental to economic theory and fundamentally flawed.
Among the goals of this site is to shrink that information gap.
This site will focus on consumer credit and purchases large enough such that they routinely involve credit.
If even one car shopper politely excuses him or herself from a four-square presentation at a car dealership then I will consider that month's hosting fees to have been well spent.
Would a newspaper article discuss combatting four-square presentations?
Maybe. Maybe not. Who are the remaining major advertisers in printed newspapers?
Flip through one while in the checkout line at the supermarket if you have not had cause to handle a printed newspaper in a while.
Perhaps your media market is different from mine, but in my experience even muckraking progressive newspapers suddenly begin to read like hagiographies when profiling local automotive dealership scions.

A hagiography is writing that covers its subject as if he or she were a sainted figure. Long ago the meaning was presumably literal. In modern usage the term hagiography is generally intended as a comedic way of pointing out undeserved praise.

The intended audience of this website is people living in the United States.
As much as I believe every adult living in the United States should be familiar with the content of this website, a great many people in the intended audience will consider the topics covered to be niche subjects.
If you are a tourist visiting the United States, if you ask the people that you meet whether they find it useful to practice the "All Zero But One" strategy before applying for credit, the locals might consider you to be not merely from a different country but rather a different planet altogether.