"If you invest your money now, you might be able to make something like 10% annually with some risk."
Speaking of this, does anyone know of any LW posts or other articles about how to make the most of idle capital with some risk? Ideally with the risk analyzed by a competent Bayesian.
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Your last example is actually weaker than it could be. Even though it's completely equivalent, a better way to phrase this is the following:
The train is currently rushing to kill the child, and you're not part of this situation. You, sitting in your car far away, see this happening. You now have the choice to drive up to the tracks and leave your car on the tracks. This will save the child but destroy your car.
Now it's clear that you weren't part of the situation to begin with; you're just a distant observer who may choose to intervene.