|
I mean, if you KNOW you're not supposed to cut down trees, you've been denied permission, and you do it anyway you're kind of a moron who deserves a big fat fee, regardless if the rule is stupid or not.
|
#
?
Oct 24, 2018 18:23
|
|
|
|
| # ? May 17, 2024 16:19 |
|
|
Krispy Wafer posted:Sure. Those deals were made when the NFL was the only TV category increasing year over year and the price reflected that. Ratings have dropped between 15 and 20% in the last 2 years. The next contract will reflect that. If viewership keeps going down the next contract is going to be a bloodbath. A good troll
|
|
#
?
Oct 24, 2018 18:26
|
|
|
StormDrain posted:What kind of communist county doesn’t allow them to own the trees on their own land? gently caress that place. A neighbor of my family got slapped with big fines for chopping down trees on his property because it affected protected wetlands nearby. Also he knew that ahead of time. That seemed pretty good and reasonable to me so hooray for communism.
|
|
#
?
Oct 24, 2018 18:56
|
|
|
What kind of loving apocalypse hellscape protects its natural resources?
|
|
#
?
Oct 24, 2018 19:17
|
|
|
SpelledBackwards posted:All the other tree law stories have penalties 10-100x that much per tree. What gives? The other trees are more valuable. It's based upon the cost to put an exact copy of that tree back the original spot. 10-year-old trees that sprouted on a former dairy farm are easy to replace. Especially since they are probably native to the area. The other cases are much higher because it hard to get rare trees, and it's hard to move massive multi-century trees, and it's hard to get trees to grow if a bunch of sidewalks were added to the area after the original planting. For example, the classic reddit case was like $40k per white oak. They were massive, centuries old trees that would require a 18-wheeler to move, and the lost trees were in Oregon. White oaks should not grow in Oregon, but the plantiff's great-grandfather managed to make them grow anyway. Trying to pull off that feat again adds a lot to the cost of the trees.
|
|
#
?
Oct 24, 2018 19:17
|
|
|
neonbregna posted:A good troll Not a troll. Just a classic example of the BFC obsession with Purporting to Know Everything About Everything
|
|
#
?
Oct 24, 2018 19:18
|
|
|
Jalopnik posted:More Than Half of All New Car Loans in Canada are Financed for 84-Months: Report 7 and even 8 year loan terms are becoming the "norm" for new car loans in North America. Fuuuuuuck.
|
|
#
?
Oct 24, 2018 21:16
|
|
|
At the very least, cars nowadays are better built than they used to be, so an 8-year-old car isn't a piece of crap like it was a couple decades ago. ... but who am I kidding, these people are rolling their loan over onto a new car 3 years into owning it.
|
|
#
?
Oct 24, 2018 21:19
|
|
|
Yeah the new norm is just "always having a $500 car payment" with no awareness of equity.
|
|
#
?
Oct 24, 2018 21:21
|
|
|
I’m always amazed at how Canada can watch the US do a stupid thing and then go, “hold my beer.” We should be happy their military isn’t larger.
|
|
#
?
Oct 24, 2018 21:24
|
|
|
Lockback posted:I mean, if you KNOW you're not supposed to cut down trees, you've been denied permission, and you do it anyway you're kind of a moron who deserves a big fat fee, regardless if the rule is stupid or not.
|
|
#
?
Oct 24, 2018 22:15
|
|
|
Title: A pet store lied to us and took out a 7,000$ loan in my mothers name without our knowledge or consent https://www.reddit.com/r/legaladvice/comments/9qkb1j/a_pet_store_lied_to_us_and_took_out_a_7000_loan/ Original Post: quote:So my boyfriend and I got a basset hound puppy from Petland about a month ago and our first payment is coming up on the 25th, the full price of the dog is 2,525.47 and I was told we would be making a payment of 230$ for 12 months which totals out to 2,760. Spent $7k on a dog what do?
|
|
#
?
Oct 24, 2018 22:44
|
|
|
The comments are so infuriating. This person clearly has no idea what a loan is.
|
|
#
?
Oct 24, 2018 23:14
|
|
|
 look at this great human being
|
|
#
?
Oct 24, 2018 23:46
|
|
|
canyoneer posted:Title: A pet store lied to us and took out a 7,000$ loan in my mothers name without our knowledge or consent That should be a pretty open and shut case if they have a bill of sale that contradicts the loan app and disbursement. Though if you're at "dog financing" level BWM you're way beyond "never keeps documents" level BWM.
|
|
#
?
Oct 24, 2018 23:58
|
|
|
please knock Mom! posted:
to be fair dude is sitting at nearly 600 downvotes so at least most people are agreeing they are trash. I bet this is the same guy from that co-op cashier job post who ended not getting the job because he didn't agree that the managers/supervisor makes the same pay as the cashiers who get paid more than market average and got in a fight with the hiring manager trying to give him more money.
|
|
#
?
Oct 24, 2018 23:59
|
|
|
Guinness posted:7 and even 8 year loan terms are becoming the "norm" for new car loans in North America. Fuuuuuuck.
|
|
#
?
Oct 25, 2018 00:26
|
|
|
please knock Mom! posted:
Stumbled into /r/legaladvice straight from /r/naruto.
|
|
#
?
Oct 25, 2018 00:37
|
|
|
Guinness posted:7 and even 8 year loan terms are becoming the "norm" for new car loans in North America. Fuuuuuuck. What used to be the "normal" length of time for car loans? 3-4 years?
|
|
#
?
Oct 25, 2018 00:44
|
|
|
please knock Mom! posted:
It’s like a polite JS.
|
|
#
?
Oct 25, 2018 01:04
|
|
|
Dik Hz posted:If you have good credit and the dealer offers you a 7 year note that's 200 basis points below your mortgage, why not? You're not getting that with 7 or 8 year loans. Especially not anymore.
|
|
#
?
Oct 25, 2018 01:40
|
|
|
Sirotan posted:What used to be the "normal" length of time for car loans? 3-4 years? I think 1,3,5 is what I remember being pretty standard. None of this 6+ year poo poo.
|
|
#
?
Oct 25, 2018 02:45
|
|
|
Harry posted:You're not getting that with 7 or 8 year loans. Especially not anymore. The Canadian girl from that story got a 7 year 0% car loan. Even if it’s one of those “zero percent but actually 0.9%” things that’s still pretty good especially since she rolled her higher interest student loan into it.
|
|
#
?
Oct 25, 2018 13:29
|
|
God I fucking love Diablo 3 gold, it even paid for this shitty title
|
Yeah that seems very gwm
|
|
#
?
Oct 25, 2018 13:30
|
|
|
Unless the way you get that promotional financing, commonly, is to pay MSRP for the car instead of accepting generous manufacturer discounts. There are rarely free lunches in the car world (PS don't ever pay MSRP or the openly advertised price for any car that isn't a limited allocation collectors vehicle or something, even if the dealer says they are no haggle. all dealers that want to sell cars will haggle with you even if it's only $500 or something relatively trivial)
BEHOLD: MY CAPE fucked around with this message at 13:51 on Oct 25, 2018 |
|
#
?
Oct 25, 2018 13:49
|
|
|
brugroffil posted:Yeah that seems very gwm Until the Repo man comes for your diploma.
|
|
#
?
Oct 25, 2018 14:58
|
|
|
Lockback posted:Until the Repo man comes for your diploma. Joke's on them if you never graduated 
|
|
#
?
Oct 25, 2018 15:07
|
|
|
There's a part of me that wants to get in the pet loan business, until I realize that I'd end up repossessing pets. And there's only so much room on the farm upstate. 
|
|
#
?
Oct 25, 2018 16:23
|
|
|
Residency Evil posted:There's a part of me that wants to get in the pet loan business, until I realize that I'd end up repossessing pets. And there's only so much room on the farm upstate. Don't they threaten to kill the repossessed pets? I could have sworn that was one of their collection methods. If you don't pay not only do you lose your friend, but we're going to put him or her down too. So you may need far less room than you think.
|
|
#
?
Oct 25, 2018 17:16
|
|
|
Krispy Wafer posted:Don't they threaten to kill the repossessed pets? I could have sworn that was one of their collection methods. If you don't pay not only do you lose your friend, but we're going to put him or her down too. I have some bad news for you about your childhood pet that was sent to the farm upstate
|
|
#
?
Oct 25, 2018 17:33
|
|
|
Did this get posted yet? https://www.cbc.ca/news/business/debt-car-loans-long-term-1.4863737 quote:In a nutshell, "long-term financing has exploded in Canada," the company's automotive expert Robert Karwel said. At one point earlier this year, 55 per cent of all new car loans were for at least 84 months.
|
|
#
?
Oct 25, 2018 17:33
|
|
|
Albertans tend to have the biggest amount of car-related debt, partly because of the province's penchant for expensive pickup trucks, TransUnion's Matt Fabian says. (CBC) This is the best sentence in the article.
|
|
#
?
Oct 25, 2018 17:42
|
|
|
Wolfy posted:Albertans tend to have the biggest amount of car-related debt, partly because of the province's penchant for expensive pickup trucks, TransUnion's Matt Fabian says. (CBC) Also the least surprising.
|
|
#
?
Oct 25, 2018 18:17
|
|
|
BEHOLD: MY CAPE posted:Unless the way you get that promotional financing, commonly, is to pay MSRP for the car instead of accepting generous manufacturer discounts. There are rarely free lunches in the car world (PS don't ever pay MSRP or the openly advertised price for any car that isn't a limited allocation collectors vehicle or something, even if the dealer says they are no haggle. all dealers that want to sell cars will haggle with you even if it's only $500 or something relatively trivial) I'm in Canada and just got a 6 year loan for a new vehicle at 0% interest (actually 0%, not 0.9 or anything) I could have probably saved another grand or two on the purchase price of the vehicle if I paid cash, but why on earth would I pull 30k out of my investments which are returning 5-8% to save a few grand? Even if I could save 5k on the MSRP by paying cash, the ROI on the investments outweighs the cash discount. Oh, and I've got a depreciation insurance rider as well - if I write it off within the next 2 years they cut me a check for the MSRP of the current model year, even if the current model year is more expensive. TrueChaos fucked around with this message at 18:40 on Oct 25, 2018 |
|
#
?
Oct 25, 2018 18:37
|
|
|
TrueChaos posted:I'm in Canada and just got a 6 year loan for a new vehicle at 0% interest (actually 0%, not 0.9 or anything) I could have probably saved another grand or two on the purchase price of the vehicle if I paid cash, but why on earth would I pull 30k out of my investments which are returning 5-8% to save a few grand? Even if I could save 5k on the MSRP by paying cash, the ROI on the investments outweighs the cash discount. So if you can establish the cash discount then you can impute an interest rate and realize your "0% interest" is not really "0% interest" but rather a loan with $Y prepaid interest applied at inception. You may nonetheless elect to finance the vehicle for opportunity cost, time value of money, cash flow, and/or tax reasons but if there is a cash discount it is false from an economic standpoint to describe the deal as a 0% loan. As far as your hypothetical example of a $5k cash discount: $25,000 sales price financed for 6 years/72 months with $5,000 of interest paid for a total of $30,000 in principal and interest is equivalent to a 6.2% interest rate, and most people would probably take guaranteed savings of 6.2% interest over market returns on that sum of money. More realistically a cash discount or manufacturer's incentive is like $1,500 or $2,000 which is 2-3% over 5-6 years on a $30,000 MSRP car, probably slightly better than financing at market rate with a third party bank or CU.
|
|
#
?
Oct 25, 2018 19:28
|
|
|
Yeah, there was no cash discount at this point in time, it was whatever you could negotiate off the car. I negotiated final purchase price before talking finance vs cash, so in my case it is a 0% loan - there was no cash incentive offered, as I did ask. I see where you're coming from though. And honestly I'd still leave the investments in regardless, 5% ROI per year on 30k investments is 9K not counting the compounding, over 6 years. While I might not get that every year, over the course of 6 years an average of 5% ROI/year is a pretty safe (obviously not guaranteed) bet.
|
|
#
?
Oct 25, 2018 20:03
|
|
|
From the schadenfreude thread, one of the dumbest BWM things I've seen... paying $20/month for the privilege of modding a Facebook group.          
|
|
#
?
Oct 25, 2018 20:15
|
|
|
God I feel old and out of touch.
|
|
#
?
Oct 25, 2018 20:20
|
|
|
Enos Cabell posted:From the schadenfreude thread, one of the dumbest BWM things I've seen... paying $20/month for the privilege of modding a Facebook group. I've just had a great idea to fund the forums
|
|
#
?
Oct 25, 2018 20:26
|
|
|
|
| # ? May 17, 2024 16:19 |
|
|
GWM is raking in $1000 a month from a bunch of rubes so they can get 'exposure' and 'experience' modding whatever facebook group that's about. I mean I was a big enough idiot to mod chatrooms for like 5 years, but at least I never paid for the privilege of babysitting internet slapfights.
|
|
#
?
Oct 25, 2018 20:28
|
|
