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DarkHorse posted:Avengr? Fighting Marvel's lawyers (AKA Disney's lawyers now) seems very, very BWM.
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Nov 20, 2017 15:33
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NancyPants posted:BWM: letting cars and not knowing about a register that's existed to secure property for 12 years. That register seems to be about *personal* property, I have no idea why a rental car agency should be dealing with it: quote:The vehicle had not been registered with the Personal Property Securities Register (PPSR), which was introduced in 2002 to give owners a better chance of recovering a debt should their debtor default. Phan had not been aware of the register until now. https://en.wikipedia.org/wiki/Personal_Property_Securities_Register So I'm not sure what relevance it has here. Lopez didn't default on a debt, he effectively stole their car. The issue sure seems to be this: quote:In her decision, Justice Christine Gordon said that in registering the vehicle in his name, Lopez did indeed have rights to the Prius. The agreement he'd entered into with Pioneer Finance was enforceable against a third party, she found. This is a *ridiculous* decision. The guy engages in fraud and deception and theft by conversion, and that gives him rights to the car? The person left holding the bag here should be the lender who didn't verify his actual ownership of the collateral before lending him money, and then they can get a judgement against Lopez. The rental company isn't BWM, the judge is bad with law.
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Nov 20, 2017 15:47
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Lowness 72 posted:Was it worth it? I don't know, we're only part way through! So far I don't regret it, even though its the BWM equivalent of taking a low-paying job because it's your passion, but my opinion may change once they are teenagers.
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Nov 20, 2017 16:12
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Phanatic posted:This is a *ridiculous* decision. The guy engages in fraud and deception and theft by conversion, and that gives him rights to the car? The person left holding the bag here should be the lender who didn't verify his actual ownership of the collateral before lending him money, and then they can get a judgement against Lopez. Well, on the other hand, the borrower produced a valid, government issued title/registration. What greater degree of diligence could a lender possibly undergo to ensure that somebody owned a car that they are offering as collateral for a loan? The problem here is that the government's title agency allowed a fraudulent title transfer under unclear circumstances, and now private parties are suffering the effects.
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Nov 20, 2017 16:58
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Normally when you lease a car the title stays in the leasing companies name. I assume this didn't happen here but it is NZ so who knows toilets flush backwards there, it is all a mystery.
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Nov 20, 2017 18:22
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Nothing even mentions legal proceedings or civil proceedings or anything at all about Mr. Lopez. Is it really just "whatever, he committed fraud, it's fine. NBD. Move along."
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Nov 20, 2017 18:58
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Nail Rat posted:Nothing even mentions legal proceedings or civil proceedings or anything at all about Mr. Lopez. Is it really just "whatever, he committed fraud, it's fine. NBD. Move along." No doubt the police will be trying to find him due to the fraud. However if you rent a bunch of cars and borrow $46k on each of them it doesn't take much to then skip the country and live really well in South America for the rest of your life.
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Nov 20, 2017 19:23
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Devian666 posted:No doubt the police will be trying to find him due to the fraud. However if you rent a bunch of cars and borrow $46k on each of them it doesn't take much to then skip the country and live really well in South America for the rest of your life. The $46k wasn't off of one car, it looks like the $46k was taken with all 3 cars and some property as collateral. Must be some lovely property!
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Nov 20, 2017 19:29
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Nov 20, 2017 21:29
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I honestly, truly, cannot fathom how stupid you have to be to ask this question.
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Nov 20, 2017 21:32
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Look, you can just disregard the ones that are obviously being asked by literal children who are incapable of understanding how the financial world works. Like there are people out there who have access to the internet but are not old enough to know what the price of an equity means.
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Nov 20, 2017 21:34
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Nail Rat posted:The $46k wasn't off of one car, it looks like the $46k was taken with all 3 cars and some property as collateral. Given the value of 3 cars the property must have been the size of a postage stamp given the land prices here.
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Nov 20, 2017 21:38
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The scale on that chart is triggering me 
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Nov 20, 2017 21:39
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EAT FASTER!!!!!! posted:Look, you can just disregard the ones that are obviously being asked by literal children I saw that on Stack Exchange...
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Nov 20, 2017 21:53
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The Butcher posted:I saw that on Stack Exchange... Regardless, bitcoin is in full-on mania at this point. With a rise in bitcoin prices comes a rise in BWM stories. Buy! Buy! Buy!
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Nov 20, 2017 22:09
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canyoneer posted:The scale on that chart is triggering me Get over it. https://qz.com/418083/its-ok-not-to-start-your-y-axis-at-zero/
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Nov 20, 2017 22:12
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Posting a house on trademe.co.nz for $650k with the keyword desperate that's BWM. https://www.trademe.co.nz/property/residential-property-for-sale/auction-1406325932.htm Extra BWM: the house was purchased in November 2016 for $540k and now has an estimated market value of $460k. https://www.trademe.co.nz/property/insights/address/Auckland/Manurewa/Mahia-Road/1-95/23919e66-6754-465e-8cc7-35a439966a40 Bonus BWM: "Bun in the oven!" Nothing says making good financial choices of being unable to afford an overpriced house with another child on the way. Just the sort of stability that a family needs is having no house.
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Nov 20, 2017 22:14
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A whole lot of words in that article and still no charts with a correctly truncated y-axis.  If they included any of these to indicate on their charts that the axis was indeed truncated then it'd be less misleading. It's a little lazy not to.
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Nov 21, 2017 00:04
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Budgie posted:A whole lot of words in that article and still no charts with a correctly truncated y-axis. Why on earth would you do that for, say, a stock price? Everyone knows that there's a zero down there somewhere. Nobody cares, and it's got nothing to do with what the graph is showing.
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Nov 21, 2017 00:06
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Phanatic posted:Why on earth would you do that for, say, a stock price? Everyone knows that there's a zero down there somewhere. Nobody cares, and it's got nothing to do with what the graph is showing. Nah man, you gotta start at $0 and 0 AD
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Nov 21, 2017 00:09
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metallicaeg posted:Nah man, you gotta start at $0 and 0 AD The graph of a true long term investor.
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Nov 21, 2017 00:13
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Budgie posted:A whole lot of words in that article and still no charts with a correctly truncated y-axis. Hey guys, here's a chart of how the US's GDP has been fluctuating. But just so you know, it's theoretically possible that the entire US economic output is ZERO DOLLARS but it's too far away from our actual data to fit on this graph and still maintain details, but JUST IN CASE, there's where zero would be!
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Nov 21, 2017 00:54
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That's not the problem. For example, all those charts on QZ used gridlines, a meaningful scale, and labeled the origin. Get out of here with this "10:06 AM 3:40 PM 9:13 PM 2:46 AM 9:14 AM" x axis junk.
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Nov 21, 2017 01:11
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I like the part where they claim it is impossible for a log graph to have a y axis zero point because log(0) is undefined lol
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Nov 21, 2017 01:13
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metallicaeg posted:Nah man, you gotta start at $0 and 0 AD Do you one better:  edit: You know what, gonna let this chart break tables.
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Nov 21, 2017 01:54
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log(n+1) so complicated.
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Nov 21, 2017 02:13
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My coworker had to have an emergency surgery last month and is loudly talking on the phone to the hospital billing department - repeating the amounts out loud to be sure everyone in the office hears her so that we can comfort her or something: $30,000 for the surgery alone, not even the anesthesiologist or additional bills. I just now remembered she was dropped from her health plan earlier because she didn't pay the premium for 3 months earlier this year. I would definitely feel sorry for her if she hadn't bragged to me about her enormous new $2,000 patio furniture set this summer, make hair and nail appointments at the high end salon every 3-4 weeks from her office phone, or tell us all about her road trips up to the casinos on the Oklahoma border where she blew a bunch of money with her girliefriendsss lol oopss!! Lady, you are 28 with no student debt and a well paying job (I run payroll when the boss is out of town so I know her salary) in a low cost of living area, I know the premiums suck but you need to reprioritize your financial wants and needs because that was so goddamn stupid.
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Nov 21, 2017 17:35
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I got a ride from a co-worker at my last job to a corporate function. I was surprised he was driving a giant extended cab pickup, as I remembered him driving a little 4-seater before. I remarked that it was nice and looked new. He tells me the story of how he wanted a basic little $30k truck, because it's Alberta and truck culture is a huge dumb thing here. He was convinced it needed to be 4 wheel drive for our Canadian roads, so that was another ~$10k. Then his wife convinced him it needed to be a family car, so he got the extended cab. A few other luxury options later, and the price was up over 70 grand. He says all this through a pained smile. "Well... at least you live close to work, so the gas isn't too bad." A couple months later he got transferred to a new office in a suburb on the complete other end of the city. At least an hour commute both ways with traffic.
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Nov 21, 2017 18:14
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drat Bananas posted:My coworker had to have an emergency surgery last month and is loudly talking on the phone to the hospital billing department - repeating the amounts out loud to be sure everyone in the office hears her so that we can comfort her or something: $30,000 for the surgery alone, not even the anesthesiologist or additional bills. I just now remembered she was dropped from her health plan earlier because she didn't pay the premium for 3 months earlier this year. I would definitely feel sorry for her if she hadn't bragged to me about her enormous new $2,000 patio furniture set this summer, make hair and nail appointments at the high end salon every 3-4 weeks from her office phone, or tell us all about her road trips up to the casinos on the Oklahoma border where she blew a bunch of money with her girliefriendsss lol oopss!! Leon Trotsky parachute account spotted. I'm so glad my co-workers don't broadcast their money issues. The guy next to me just spent 20k on solar panels, which is going to take forever to pay for itself in a low-energy-cost area. But I can't really call that choice BWM.
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Nov 21, 2017 18:22
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I kind of feel bad for the guy. He starts off wanting something reasonable, and then between expensive options that should be standard and his wife pressuring him into spending a shitload of money, he ends up spending way too much. I mean, he should have just given up on the truck, but I can sympathize.
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Nov 21, 2017 18:23
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22 Eargesplitten posted:I kind of feel bad for the guy. He starts off wanting something reasonable, and then between expensive options that should be standard and his wife pressuring him into spending a shitload of money, he ends up spending way too much. The same truck CPO/used would have been 35 grand. New cars in 2017 are BWM period full stop. I don't want to make this about us but our last REALLY BWM decision was to buy a new car. I think we've eaten 35k on the depreciation/taxes and additional title costs than we would have getting the same model with 40,000 miles 3 years older. I'm super sensitive to bad with money car edition, even if people can easily afford it.
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Nov 21, 2017 19:04
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EAT FASTER!!!!!! posted:The same truck CPO/used would have been 35 grand. Why not buy a horse instead?
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Nov 21, 2017 19:06
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22 Eargesplitten posted:I kind of feel bad for the guy. He starts off wanting something reasonable, and then between expensive options that should be standard and his wife pressuring him into spending a shitload of money, he ends up spending way too much. Yeah, and the myth that you NEED all wheel drive here is really pervasive and silly. With modern traction control, a few sandbags and some really good winter tires will do more for winter driving (especially the stopping part of driving) than AWD ever could.
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Nov 21, 2017 19:07
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BigDave posted:Why not buy a horse instead? Buy two, then you can make new horses and never need to buy again!
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Nov 21, 2017 19:14
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Square Peg posted:Yeah, and the myth that you NEED all wheel drive here is really pervasive and silly. With modern traction control, a few sandbags and some really good winter tires will do more for winter driving (especially the stopping part of driving) than AWD ever could. Winter tires are a great idea. Sandbags in the back are arguably worse than useless. Yeah, truck springs are generally stiffer and don't allow as much rearward weight transfer under acceleration so putting some weight in the bed can help you get moving, but that weight in the bed also means you're going to take longer to brake and have a tendency to slide around turns, which is not a good idea if you have icy conditions. And if your car's FWD, sandbags in the back are absolutely self-defeating. AWD is *way* loving superior to throwing some sandbags in the back.
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Nov 21, 2017 19:15
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Phanatic posted:Winter tires are a great idea. Sandbags in the back are arguably worse than useless. Yeah, truck springs are generally stiffer and don't allow as much rearward weight transfer under acceleration so putting some weight in the bed can help you get moving, but that weight in the bed also means you're going to take longer to brake and have a tendency to slide around turns, which is not a good idea if you have icy conditions. And if your car's FWD, sandbags in the back are absolutely self-defeating. AWD is *way* loving superior to throwing some sandbags in the back. Obviously the sandbags are only for RWD cars and trucks. And the added weight of a few sandbags is not a lot of extra weight compared to the hundreds of pounds extra curb weight from an AWD system. Anyway, my point is it's not a necessity here, and it's always marketed as one.
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Nov 21, 2017 19:24
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EAT FASTER!!!!!! posted:The same truck CPO/used would have been 35 grand. I bought a brand new car, it still is GWM because of the new car smell maybe you bought too much car for your lifestyle. You do value the premium leather new car aroma right?
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Nov 21, 2017 19:54
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A few years ago after our mom passed away we had to do something with her car. We offered it to our youngest sister since she needed a car and was just starting college but she decided that she needed a brand new car and didn't want it. We sold it to Carmax and went on our way. A few months later she leased a Honda Fit and borrowed $4,000 from our dad as a down payment. We all told her that was a dumb thing to do but people that are bad with money tend to be really stubborn. Her lease is up in December and she decided she can't afford the car payment (still in college, sort of, even longer story) so she plans on giving it back to the dealer and this time buying a new car and financing it so the monthly payment is around $200 a month. I am thankful every day she is not into horses or MLM schemes.
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Nov 21, 2017 20:17
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Risky Bisquick posted:I bought a brand new car, it still is GWM because of the new car smell maybe you bought too much car for your lifestyle. You do value the premium leather new car aroma right? I thought 'new car smell' was a combination of fumes from industrial solvents and adhesives.
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Nov 21, 2017 20:18
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EAT FASTER!!!!!! posted:The same truck CPO/used would have been 35 grand. Fair point, and it reminds me of something from a couple of weeks ago. We were visiting my sister in law and her girlfriend, and they were insisting we should buy a new car. They were talking about how great their 2017 Accord is, and how it’s worth every penny of the $400+ per month and $175 insurance. They’re also still paying off a 2011 Hyundai. They also told me how I should never buy a used car. Bonus: the girlfriend’s mother is the one on the loan because they couldn’t get approved for it themselves.
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Nov 21, 2017 20:24
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