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Duckman2008 posted:When I was 21-22 I made the excuse of "oh I moved to a different state, so since I'm not getting student loan notifications I don't have to pay them." turns out there are two people in this world: BWM and ex-BWM
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Jan 13, 2017 05:38
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Some combination of drunk, happy, frightened, hurried, and distracted is enough to get anyone to make a poor decision, whether they've done it before or not.
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Jan 13, 2017 06:03
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I got a car earlier this week, a Nissan Leaf. Both of my two roommates have cars already, but all of a sudden they both want new ones. Specifically, my least financially responsible roommate is suddenly talking about how Teslas may be expensive but what is money for if not to make him happy, etc etc. He's planning to put 20% down on a 70k car. He's going to a dealership on Saturday. All because I came home on Tuesday with a newer, shinier car than his (perfectly functional) Subaru. This isn't a first, either; he also has to have a bigger monitor and better graphics card and larger speakers than either of us, and so forth. BWM: One-upping your roommates' purchases.
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Jan 13, 2017 07:23
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legendof posted:I got a car earlier this week, a Nissan Leaf. Both of my two roommates have cars already, but all of a sudden they both want new ones. Specifically, my least financially responsible roommate is suddenly talking about how Teslas may be expensive but what is money for if not to make him happy, etc etc. Have Tesla's sticker prices gone down? I have never seen an invoice for one at less than 95k. I guess it must be the options.
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Jan 13, 2017 07:30
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You know, to be honest I don't know. I haven't talked to him about it in depth because it's sort of painful to watch someone talk themselves into something that's so obviously a bad idea.
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Jan 13, 2017 07:32
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The New Car Bug is pretty common. Especially once you see all the new features that you can easily talk yourself into needing (WhatsApp integration into the NAV system, some incremental safety feature, etc.) It takes a level of self control/maturity/cheapness. I think some people just see money as an infinitely renewable resource which will keep coming forever and why save.
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Jan 13, 2017 07:37
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therobit posted:Have Tesla's sticker prices gone down? I have never seen an invoice for one at less than 95k. I guess it must be the options. Base P60 starts at $68K. It's the loaded P90Ds that are $100k or close to it.
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Jan 13, 2017 08:07
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SlapActionJackson posted:Base P60 starts at $68K. It's the loaded P90Ds that are $100k or close to it. Loaded P100D will cross $125K without much difficulty.
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Jan 13, 2017 08:25
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I discovered a whole new world of potentially BWM. One of my coworkers today was telling me that they got a tax refund loan. How is that: A) A thing that exists. B) A market for that. I was also told that he had to do it this year because of Obama trying to make Trump's first months as painful as possible for the American people (?????) Leon Trotsky 2012 fucked around with this message at 15:27 on Jan 13, 2017 |
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Jan 13, 2017 15:25
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Maybe they needed it to pay off a payday loan 
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Jan 13, 2017 15:31
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Obama made me poor. Trump will make me rich! It is disgusting seeing ads directly targeting tax refunds, in any case.
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Jan 13, 2017 15:42
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"The IRS has delayed tax refunds until February. So what are you to do?!" -a commercial I saw yesterday. What the hell
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Jan 13, 2017 15:57
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legendof posted:You know, to be honest I don't know. I haven't talked to him about it in depth because it's sort of painful to watch someone talk themselves into something that's so obviously a bad idea. Teslas are a hilarious joke of a "luxury" car and apparently their body panels don't go together right and their tolerances are way off and instead of a proper center console you get this lovely knock-off chinese cell phone from 2008: 
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Jan 13, 2017 16:04
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Those look like hot singles in my area. Upside: milfs Downside: kids
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Jan 13, 2017 16:21
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ate all the Oreos posted:Teslas are a hilarious joke of a "luxury" car and apparently their body panels don't go together right and their tolerances are way off and instead of a proper center console you get this lovely knock-off chinese cell phone from 2008: Wait how do they get such superb reviews from pretty much everyone then? Serious question. My wife really wants one. Edit: NM I found it. Reliability issues I guess. potatoducks fucked around with this message at 16:50 on Jan 13, 2017 |
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Jan 13, 2017 16:47
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Nail Rat posted:"The IRS has delayed tax refunds until February. So what are you to do?!" This was on the news the other night, of course they had no actual explanation and just used it to shame poor people.
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Jan 13, 2017 16:47
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potatoducks posted:Wait how do they get such superb reviews from pretty much everyone then? Serious question. My wife really wants one. The human mind protects itself from realizing you made a bad major decision. People will rationalize anything. If it costs a lot, it has to be good, right?
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Jan 13, 2017 16:49
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WampaLord posted:The human mind protects itself from realizing you made a bad major decision. People will rationalize anything. If it costs a lot, it has to be good, right? I meant professional, not personal reviews but I guess they found some reliability issues down the road.
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Jan 13, 2017 16:51
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Leon Trotsky 2012 posted:I discovered a whole new world of potentially BWM. It's 1) a valuable marketing ploy for tax preparers 2) a relatively high fee product for an essentially zero risk loan, they charge you a fee and then intercept your return, collect the balance of the loan, and refund you the remainder of your return if any. The loan fees are completely invisible to the customer.
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Jan 13, 2017 16:51
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potatoducks posted:Wait how do they get such superb reviews from pretty much everyone then? Serious question. My wife really wants one. Edmunds Tesla had its motor replaced under warranty 4 times during their 17 months of ownership, as well as the main battery replaced once: https://www.edmunds.com/tesla/model-s/2013/long-term-road-test/wrap-up.html It was constantly out of service, the least reliable car since the days of British-Leyland.
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Jan 13, 2017 16:52
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potatoducks posted:I meant professional, not personal reviews but I guess they found some reliability issues down the road. Don't forget that a lot of professional reviewers rely on advertising dollars from car manufacturers, who strangely seem to dislike getting negative reviews. I think someone from an automagazine posted in AI and admitted that they had to be nice to the manufacturers, else the magazine would fold. Oddly, this means that the most reliable and unbiased reviews came from Top Gear who could afford to piss off people like Vauxhall, and regularly did so.
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Jan 13, 2017 17:03
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Nail Rat posted:"The IRS has delayed tax refunds until February. So what are you to do?!" What gets me about this is that I don't even get all my forms until February anyway. I literally can't file any earlier than February, so this affects me how (hint: not at all)? Edit: I saw this earlier this week.: https://consumerist.com/2017/01/10/if-youre-relying-on-your-tax-refund-irs-warns-it-may-come-late-this-year/ topenga fucked around with this message at 17:22 on Jan 13, 2017 |
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Jan 13, 2017 17:13
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topenga posted:What gets me about this is that I don't even get all my forms until February anyway. I literally can't file any earlier than February, so this affects me how (hint: not at all)? My old HR Department used to give us our W-2s on the last paycheck for the year. This year, I had to wait until January 12th and I have financial OCD and like to finish everything as early as possible, it felt like forever.
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Jan 13, 2017 17:15
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Leon Trotsky 2012 posted:My old HR Department used to give us our W-2s on the last paycheck for the year. You'd love it in socialist Canada, where employers have until the end of February to put our similar employment forms in the mail.
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Jan 13, 2017 17:35
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WampaLord posted:The human mind protects itself from realizing you made a bad major decision. People will rationalize anything. If it costs a lot, it has to be good, right? Also they were shiny and innovative enough at one point that people overlooked the bland (imo) design. Their brand recognition is so high they're even better than your average german luxury car as a status symbol, which also helps. Plus, in western europe at least, there were quite a few countries giving heavy tax incentives for 100% electric vehicles so that sticker price should be taken with a grain of salt. Especially in smaller countries, they were pretty popular (due to limited range on electric cars). A couple GWM examples include the Netherlands, where it was possible to buy a cool as heck Tesla for 97000 EUR as a business. After various deductions and exemptions (VAT, motor vehicle tax, road tax, no tariffs on fuel due to it being electric, subsidies for clean cars, extra tax deductions for business owners, subsidies for businesses that drive a lot, subsidies on charging stations, etc etc etc) you could recuperate around 50k of that throught various means over the span of your average lease (4 years). You had to have some cash up front but it was pretty insane. This was around 2012-2013. Starting in 2016 the incentives have been cut way back because they were VERY EXPENSIVE (who would have thought??). Most of these vehicles are starting to come out of their lease periods now which makes for a good way to gauge how much their popularity was dependent the government paying you to drive one. Turns out that they were very much so, over 2016 sales/leases of electric cars have dropped by 66% in the Netherlands, for example.  Same thing in Belgium (here is 2014 article illustrating a 74k EUR Tesla P85 being a little cheaper in EUR/month over its lifespan as a 37k Mercedes C200) and a lot of other countries I can't be arsed to look up. Not sure how this went in the US but that certainly helped their popularity over here. People'd think that you're doing really well but in reality you could purchase one for the net price of a mid-range family car. fake edit: those professional reviewers were probably not aware of the long-term issues because they only drove the cars short term. They might've noticed they're a bit plain looking, I don't know. Maybe giant touch screens balance that out for a prospective car buyer. They can also accelerate pretty fast, which is fun
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Jan 13, 2017 17:36
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Yeah big surprise that preferential tax treatment for business vehicles often ends up being abused to purchase expensive luxury cars
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Jan 13, 2017 18:24
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http://www.sfgate.com/politics/article/Arizona-Taxpayers-Fuming-Over-200-Million-2720374.php State of Arizona did an alternative fuel credit on trucks and SUVs worth up to $18k almost 20 years ago. It was ridiculous. For a while, dealerships were just blowing out stock like crazy on 9mpg battleship SUVs as long as they added an alternative fuel tank (usually propane), but didn't actually need to use it. Getting a 40% cash back rebate from the state for buying a gas guzzler seems like a great deal for consumers
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Jan 13, 2017 18:29
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Work is stopping to support multiple plattforms for work phone. Anybody will be provided an iphone SE after their current phone plans run out. BWM keeping a private phone vs. BWL not keeping barriers between work and life
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Jan 13, 2017 18:33
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Randler posted:Work is stopping to support multiple plattforms for work phone. Anybody will be provided an iphone SE after their current phone plans run out. That's the worst of the worst iPhones too. Barely gets any reception at all, cheap and lovely. So so so bad. I hope work doesn't expect you to talk to anyone on that thing. You're better off with a 5km range walkie-talkie.
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Jan 13, 2017 18:56
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I will always keep my personal and work phone separate on the off chance that my company gets sued and my phone gets confiscated. My personal weiner pics are mine alone.
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Jan 13, 2017 19:02
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Spermy Smurf posted:That's the worst of the worst iPhones too. Barely gets any reception at all, cheap and lovely. So so so bad. I hope work doesn't expect you to talk to anyone on that thing. You're better off with a 5km range walkie-talkie. Are you sure you're not thinking of the C? The SE is mostly 6S guts jammed into a 5S case, as I understand it; I like mine just fine.
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Jan 13, 2017 19:06
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spog posted:Don't forget that a lot of professional reviewers rely on advertising dollars from car manufacturers, who strangely seem to dislike getting negative reviews. The Tesla broke Consumer Report's rating system. As in they had to put a disclaimer on there because it scored so well. Consumer Report's doesn't take money from automakers. They do acknowledge it's build quality is meh for a luxury car and the interior isn't great. But driving performance buried the needle. Spermy Smurf posted:That's the worst of the worst iPhones too. Barely gets any reception at all, cheap and lovely. So so so bad. I hope work doesn't expect you to talk to anyone on that thing. You're better off with a 5km range walkie-talkie. Um...it's the best iPhone. Or at least it's the best 4 inch phone on the market. Battery life is right in the middle for a current iPhone and it has all the same radio frequencies as the iPhone 6s. If you want a smaller phone it's pretty much the only option that's not nerfed all to hell.
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Jan 13, 2017 19:38
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Yond Cassius posted:Are you sure you're not thinking of the C? The SE is mostly 6S guts jammed into a 5S case, as I understand it; I like mine just fine.  These aren't my reviews, but I ignored them on the verizon business site. I got 8 of them for drivers and returned them all within a week. And we have a drat Verizon LTE tower on our building.
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Jan 13, 2017 19:38
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It is literally the iPhone 6s inside an iPhone 5s case. Maybe iPhone 5s' didn't work in those areas either because of their metal bodies or antenna locations. I'm on T-Mobile and this is one of only 3 models that can use their lower megahertz spectrums so my coverage has been great.
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Jan 13, 2017 19:44
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Krispy Kareem posted:The Tesla broke Consumer Report's rating system. As in they had to put a disclaimer on there because it scored so well. Consumer Report's doesn't take money from automakers. Also crash safety, iirc.
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Jan 13, 2017 19:45
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It has been an absolute nightmare trying to manage phones for one of our clients. Oh you retired\got fired but had all your personal poo poo on your phone, didn't back your poo poo up to itunes, and have your entire identity associated with that number? Jump through hoops and make it a pain for everyone involved. My work just gives us a $75 mobile phone stipend each month and it's perfect.
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Jan 13, 2017 19:48
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BEHOLD: MY CAPE posted:Yeah big surprise that preferential tax treatment for business vehicles often ends up being abused to purchase expensive luxury cars canyoneer posted:http://www.sfgate.com/politics/article/Arizona-Taxpayers-Fuming-Over-200-Million-2720374.php 
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Jan 13, 2017 19:53
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Spermy Smurf posted:That's the worst of the worst iPhones too. Barely gets any reception at all, cheap and lovely. So so so bad. I hope work doesn't expect you to talk to anyone on that thing. You're better off with a 5km range walkie-talkie. Uh the SE is great. The guts of a 6S in the body of a 5S. Literally all day battery life and the camera is excellent. 
Spring Heeled Jack fucked around with this message at 20:40 on Jan 13, 2017 |
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Jan 13, 2017 20:36
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Spring Heeled Jack posted:Uh the SE is great. The guts of a 6S in the body of a 5S. Literally all day battery life and the camera is excellent. That's what I'm reading, but I had really bad reception everywhere we tried using it. I even tried them in our New York location and had pretty similar results. Ah well. Galaxy S4/5/6 no problems. iPhone 6s/c and iPhone 7 no problems.
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Jan 13, 2017 21:07
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My office has a weird hodgepodge of employee offers. We have an modern 401k plan w/ matching that can be managed online, but our direct stock purchase plan is out of the 80s. It directly purchases company stock at no discount and puts it in an account that can only be managed over the phone, Monday-Friday 8am to 5pm. Every two weeks they send a letter with your balance. When I learned this was archaic and switched to Vanguard, I needed to send them multiple faxes to close my account. We also have education discounts. You can get 5% off at Western Governors University, which looks to be a legitimate accredited school. You can also get 10% off at the less reputable University of Phoenix, Capella, and Kaplan. This was egregious enough I complained to our HR dept about these being scam schools under investigation and it was horrible to nudge employees into an abyss of debt for a worthless degree. They forwarded me a site that appeared to have been made with Geocities affirming that these were in fact, excellent schools. Hyrax Attack! fucked around with this message at 23:32 on Jan 13, 2017 |
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Jan 13, 2017 21:17
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