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Krispy Wafer posted:Car talk runs a higher risk of self posting than wedding chat. All the luxury car brands are currently launching the subscription services, including Porsche, Volvo Audi, and Mercedes. Subscription everything is the way of the future, because enough morons will probably pay for the convenience. If you ask me the expenses are astronomical right now. For example the basic tier of the BMW program costs $2,000 per month and gives you the privilege of driving a 5 series or an X5, and the M tier of the program costs $3,700 and gives you the privilege of driving and M4 or an M6 or whatever you feel like driving. You could buy a Ferrari for $3, 700 a month or you could just do something boring like buy a house and an M4 and still pay less than $3,700 a month.
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Jul 19, 2018 16:20
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Haifisch posted:Oh yes, small dealerships are definitely less likely to milk you for every cent you have. Edit: that could also explain a lease on a 6 year old Focus *might be ex-military and moved away from base but still using Navy Fed. CannonFodder fucked around with this message at 16:29 on Jul 19, 2018 |
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Jul 19, 2018 16:24
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KYOON GRIFFEY JR posted:*snip* I didn’t understand what gap insurance was at all when I recently financed a used truck. It was just completely alien to me that people would put themselves on the hook for something for more than it was worth knowing they wouldn’t be able to pay for it when/if something happened.
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Jul 19, 2018 16:32
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Phanatic posted:Whether they make financial sense is...questionable. That includes insurance, in Detroit where the average car insurance premium is ~$5500/year that's a drat value. $600/mo won't cover a Corolla lease + insurance. In other markets with anomalously high insurance costs, it's a good value. It looks like my guess was low. Good car insurance alone is more than $600/mo in Detroit, so your TCO would be lower to subscribe to a new Volvo than to drive a 10 year old Prius: https://quotewizard.com/auto-insurance/detroit-michigan 
Twerk from Home fucked around with this message at 17:10 on Jul 19, 2018 |
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Jul 19, 2018 16:58
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 quote:Wasting my time in Japan quote:So, you get out of a trip what you put into it. I would suggest taking a deep breath and thinking hard about what would make you happy. A lot of people consider "going to a place and walking around" to be adequate for a vacation or for seeing a sight. But it sounds like that doesn't fulfill you. What would fulfill you? What do you like? Do you want to eat a specific food? Find a specific souvenir? Experience a specific thing (like a show or event)? quote:Did you go on a trip without even a modicum of planning? You said: "force myself to do it to gain these experiences." I think maybe you should reconsider travelling as a whole, if that's the case. So why did you travel to Japan then? There must have been something there that made you decide to spend a month. quote:LOL! I don't think he can be helped. quote:"As someone who is 32 and has never had a girlfriend I have different priorities." quote:You're going to Japan for the wrong reason then. quote:Can I add, most normal people enjoy going shopping, going to museums, going to temples, and drinking with locals (all good suggestions that have come up in this thread, all things you seem to hate). quote:Good! Your first step towards becoming a reflecting individual. Now, ask yourself, honestly: quote:"Japanese see foreigners either as an amusement or to be avoided, but certainly not something to take seriously." quote:Japan invites you to try new things and get out of your comfort zone with very little risk. If you're hungry, just look around and see what's there. More often than enough, you'll find that there's like a good 3-5 places to eat within walking distance (less so if you're out in the countryside). https://www.reddit.com/r/JapanTravel/comments/6379ap/wasting_my_time_in_japan/?st=JJRRBGL8&sh=8d912665
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Jul 19, 2018 17:02
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That is bad with so much more than money.
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Jul 19, 2018 17:39
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That was alternating between depressing and irritating That guy sucks
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Jul 19, 2018 17:41
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Twerk from Home posted:That includes insurance, in Detroit where the average car insurance premium is ~$5500/year that's a drat value. $600/mo won't cover a Corolla lease + insurance. In other markets with anomalously high insurance costs, it's a good value. Wow. Detroit costs almost as much each month as the average San Francisco car insurance for the entire year.
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Jul 19, 2018 17:43
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Leon Trotsky 2012 posted:
lmao He posted another follow up thread, and it seems he at least managed to get over those 'cryptic' food menus/window displays: https://www.reddit.com/r/JapanTravel/comments/66fjln/final_day_in_tokyo_and_japan/
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Jul 19, 2018 17:58
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What could possibly justify those Detroit insurance rates? My liability only covering $90k is $800 a year on a 2009 Camry.
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Jul 19, 2018 18:01
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It's extremely aggravating to see mediocre horrible humans turn inwards and assume that the world is hosed, and it's totally not them I mean the world is definitely hosed but that guy needs to understand that men and women have standards everywhere...if he is undateable trash here he will certainly be undateable trash even in impoverished nations, let alone a first world nation that has been around far longer than the US has lmao (not to mention people there aren't obese fucks by default) As an American myself, god it feels so good to see my fellow countrymen stumble in their pathetic attempts to leverage their "privelege" and step out of their bubble to realize that oh poo poo, Americans aren't special and are in fact sometimes considered more undesirable than other nationalities due to having our head so far up our loving rear end But not this guy. He's gonna just go deeper into the redpill rabbit hole isn't he? E: or based on his follow up thread he's totally loving with all of us. But people this lovely definitely exist  EE: oh poo poo this is the bwm thread not the schad thread KingSlime fucked around with this message at 18:10 on Jul 19, 2018 |
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Jul 19, 2018 18:03
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keroppl posted:What could possibly justify those Detroit insurance rates? My liability only covering $90k is $800 a year on a 2009 Camry. It has something to do with Michigan being a no-fault insurance state with no max medical liability for the insurance provider. Apparently you can be at fault for an accident in Michigan and your own insurance provider has to pay for all of your medical bills. And because it costs so much a huge number of drivers are uninsured, so that gets rolled into premiums to cover being hit by an uninsured motorist
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Jul 19, 2018 18:14
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Baxate posted:It has something to do with Michigan being a no-fault insurance state with no max medical liability for the insurance provider. Apparently you can be at fault for an accident in Michigan and your own insurance provider has to pay for all of your medical bills. And because it costs so much a huge number of drivers are uninsured, so that gets rolled into premiums to cover being hit by an uninsured motorist It's a rolling catch-22 where well-intentioned social policy collides with market realities, horribly. It's not a matter of fault, the point is Michigan allows for no fault, meaning what you said happens - they have to pay in many cases no matter what. Private for-profit insurance companies don't exist for the collective good. There's a deep rabbit hole of finger-pointing that could be explored here but in this thread in particular it's pointless wanking. The point is when faced with huge no-recourse liabilities insurance companies are going to charge more, then people who can't afford it will drive without it, then uninsured motorist liabilities pile up and raise those rates even further for the people that can afford it, and eventually everyone gets hosed. It's like watching a 5mph car crash where neither vehicle stops.
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Jul 19, 2018 18:22
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Baxate posted:It has something to do with Michigan being a no-fault insurance state with no max medical liability for the insurance provider. Apparently you can be at fault for an accident in Michigan and your own insurance provider has to pay for all of your medical bills. And because it costs so much a huge number of drivers are uninsured, so that gets rolled into premiums to cover being hit by an uninsured motorist Please travel back to the long ago time of 7 days ago to read where the thread had this exact same conversation, if you want actual info and not vague assumptions about the exciting topic of car insurance rates in Michigan: https://forums.somethingawful.com/showthread.php?threadid=3819120&userid=104596#post485973364
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Jul 19, 2018 18:23
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Phanatic posted:They have. Ford/Lincoln have a subscription service, so do Volvo, Cadillac, Merc, and Porsche (granted those last aren't really cheaper than BMW). There are also third-party companies that offer subscription services. The analysis kind of falls down since Care by Volvo includes maintenance and it's a month-to-month subscription, so you can change it at any time. Not that that's good with money, but it's providing additional utility over a standard lease.
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Jul 19, 2018 19:01
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They're also limiting their high end power trains to Care only, it seems. Are margins lower on the upgraded power train models of cars? I feel like every year there are fewer and fewer models with a +vroom version
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Jul 19, 2018 19:03
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KingSlime posted:It's extremely aggravating to see mediocre horrible humans turn inwards and assume that the world is hosed, and it's totally not them Yeah I try my best not to think about all the lovely expats we send to places like Thailand and Vietnam. It's disgusting.
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Jul 19, 2018 19:05
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GoGoGadgetChris posted:They're also limiting their high end power trains to Care only, it seems. don't know why you think the latter is true, if anything we're still deep in the horsepower wars. what cars are you referring to? they're launching some of the T6 stuff through Care by Volvo but it'll be available for purchase soon enough
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Jul 19, 2018 19:08
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Sirotan posted:lmao  Buy what you like. Simple as that. Even if you don't buy anything just looking around is a good way to use your time. Thinking about some kawaii animu girl with her panties on display. Maybe no pantsu.
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Jul 19, 2018 19:10
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Mazda saying they'll never make a Speed again, Subaru dropping the XT version of the Forrester, and I think I heard something about the 2019 Ford focus being really dumb? All are economy cars so this might be limited to lower priced vehicles?
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Jul 19, 2018 19:12
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KYOON GRIFFEY JR posted:The analysis kind of falls down since Care by Volvo includes maintenance and it's a month-to-month subscription, so you can change it at any time. Not that that's good with money, but it's providing additional utility over a standard lease. Yeah, but how much maintenance are you going to have to do on a lease? GoGoGadgetChris posted:Mazda saying they'll never make a Speed again, Subaru dropping the XT version of the Forrester, and I think I heard something about the 2019 Ford focus being really dumb? Next Ford Focus RS is supposed to be a 400-horsepower hybrid. Phanatic fucked around with this message at 19:26 on Jul 19, 2018 |
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Jul 19, 2018 19:23
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GoGoGadgetChris posted:Mazda saying they'll never make a Speed again, Subaru dropping the XT version of the Forrester, and I think I heard something about the 2019 Ford focus being really dumb? It's a pretty small set of examples. The Forester XT take rate was something like 2.5%. The Focus is turning in to a crossover but there will be a next gen RS. Mazda is too small to make performance vehicles but you can still get a Mazda6 with a turbo engine, it's just the MS3 that died. But the MS3 died and now in the segment we get the CTR, Focus ST and RS, and the Hyundai N cars to replace it. Phanatic posted:Yeah, but how much maintenance are you going to have to do on a lease? Blades, oil, maybe tires, fluids, maybe a CAF over 36,000 miles. The lease on the equivalent trim is about $500/mo equivalent pricing ($375, $3400 down, 36mos) so I actually think Care by Volvo is a fairly decent deal especially considering the transaction is a hell of a lot easier than buying a car and you turn the car in whenever you feel like it.
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Jul 19, 2018 19:37
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Like I said, not a car guy. I was more looking to you for your knowledge rather than trying to disagree!
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Jul 19, 2018 20:00
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Vox Nihili posted:Yeah I try my best not to think about all the lovely expats we send to places like Thailand and Vietnam. It's disgusting. (Un)fortunately, scumbags from all countries head there, not only Americans and not only English speakers.
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Jul 19, 2018 20:03
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KYOON GRIFFEY JR posted:I actually think Care by Volvo is a fairly decent deal especially considering the transaction is a hell of a lot easier than buying a car and you turn the car in whenever you feel like it. Especially since it also includes flat-rate auto insurance with Liberty Mutual. I'm not sure I'd go so far to say that Care By Volvo is Good With Money™, but it's not even remotely as bad as the stuff from Porsche/Benz/BMW. The initial trip reports about Care By Volvo sound like it's been off to a pretty bumpy start, though.
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Jul 19, 2018 20:11
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Husband racks up $400K in medical school debt, decides he wants to make $48K a year doing research. https://www.reddit.com/r/personalfinance/comments/906m2l/fiance_has_390000_in_student_loan_debt_how_on/?st=JJSZOHHH&sh=7369e88a
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Jul 19, 2018 21:10
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Sure whatever. PSLF
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Jul 19, 2018 21:15
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if he's doing research what about PSLF e: f,b
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Jul 19, 2018 21:16
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You have to really pay attention, but she casually mentions in like 10 words that she has $100k herself.
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Jul 19, 2018 21:55
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Harry posted:You have to really pay attention, but she casually mentions in like 10 words that she has $100k herself. i enjoyed the immediate handwaving away of this
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Jul 19, 2018 22:15
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Also, the fiancé seems to have backed out of a match under mysterious circumstances that may have totally hosed his career.
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Jul 19, 2018 22:16
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Wolfy posted:Also, the fiancé seems to have backed out of a match under mysterious circumstances that may have totally hosed his career. He backed out? I just thought he didn't match, which while not great is definitely recoverable.
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Jul 19, 2018 22:27
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Both in 6 figure debt Bot low income Same economic caste confirmed Marriage approved
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Jul 19, 2018 22:28
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KYOON GRIFFEY JR posted:He backed out? I just thought he didn't match, which while not great is definitely recoverable.
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Jul 19, 2018 22:49
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what a moran edit: lol he committed a match violation jesus christ, she should dump him immediately I liked garbageman redditor and the guy who replied to her "but he doesnt want to do clinical anymore" post "i don't want to go to work every day but here i am" KYOON GRIFFEY JR fucked around with this message at 23:16 on Jul 19, 2018 |
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Jul 19, 2018 23:09
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What's a match violation? I want to make sure I'm getting as much schadenfreude out of this as possible
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Jul 19, 2018 23:36
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OP posted:It's a long story, but he originally matched in a fairly competitive program in 2017, but then had to repeat an extra year of medical school due to some fairly intense circumstances. Part of his stipulations for completing a 5th year is not being able to participate in the match until 2020. That being said, based off his boards and his medical school's opinion, there should not be an issue of not matching if he were to redo the match. The issue is, he has no desire to do clinical medicine anymore redditor posted:Clinical doctor chiming in, to prevent him matching when he passed everything otherwise, the most likely thing short of a serious complaint against him or possible serious negligence (although he shouldn't be in a position to be negligent as a student) is probably going to be either a criminal charge/investigation or mental health issues with hospitalisation deemed to be related to stress and a threat to either his own, or his patients welfare. And someone explaining the matching process/violations in more detail: quote:The Match is the process that graduating med students go through to get a residency. The application cycle starts summer before 4th year; at this time, med students apply to all of the residency programs they want in their desired specialty. Starting around September, programs start reaching out to those they want to interview. These are in-person interviews, so students then have to travel around the country trying to impress program directors. They then rank the programs they interviewed with in one final list due in February, and the programs do the same. A computer algorithm pairs the two, yielding Match results in late March. The Match is considered binding, so wherever it tells you you're going, that's where you have to go to train. A lot of med students get somewhere in their top 3, but some fall way lower on their lists, or don't Match anywhere.
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Jul 19, 2018 23:45
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I think it's a true violation and not mental health because she says "intense circumstances" and not "personal health reasons" but it's way less fun if the dude just had a breakdown.
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Jul 19, 2018 23:49
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Becoming a doctor sounds annoying as hell
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Jul 19, 2018 23:50
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It's really not as complicated as these people make it seem. Getting into med school is a bit of a bitch, but once you're there, the vast vast majority of people match, graduate, etc. just fine.
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Jul 20, 2018 00:01
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