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KYOON GRIFFEY JR posted:
Of what, the typical new Subaru buyer? YOLOsubmarine posted:
Then you are working for Amazon and there is no loving amount of money worth selling your soul for that. They have offered twice to me and I dont care how big the offer was, there's things worth more than money like a healthy work life balance.
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Mar 16, 2022 04:31
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| # ? Jun 11, 2024 09:54 |
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There's a lot of tech companies that pay as well/better than Amazon and won't destroy your work life balance. Lots of them. gently caress Amazon. I know this isn't the thread for it and I won't say any more after this. But if you are experienced in tech especially in the US you owe it to yourself to survey the market. Compensation has gone up A LOT the past few years. If you need help with guidance or negotiation advice come pay us a visit in BFC. We've helped tons of goons get paid more than they ever thought possible. Get the job to fund your AI projects and desires. Now is the time.
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Mar 16, 2022 04:53
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CAT INTERCEPTOR posted:Then you are working for Amazon and there is no loving amount of money worth selling your soul for that. They have offered twice to me and I dont care how big the offer was, there's things worth more than money like a healthy work life balance. I agree with you in that I'm personally not interested, but I'm not going to judge anyone who goes for it
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Mar 16, 2022 05:04
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CAT INTERCEPTOR posted:Then you are working for Amazon and there is no loving amount of money worth selling your soul for that. They have offered twice to me and I dont care how big the offer was, there's things worth more than money like a healthy work life balance. I’ve passed on a job because I’m not personally interested in working for them, but the work/life balance thing is heavily dependent on where you are in the organization and who your manager is. I know people who’ve had it really easy there and made a lot of money and people who have had an awful time.
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Mar 16, 2022 05:45
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Lmao did I choose the wrong career path in life to fuel my carcaine habits holy poo poo tech bro life sounds amazing
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Mar 16, 2022 19:21
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BrownieVK posted:Lmao did I choose the wrong career path in life to fuel my carcaine habits holy poo poo tech bro life sounds amazing It's not. Most companies are ridiculously selective now. The fabled $100k after college at a tech company is basically propaganda at this point. To get the $200k number thrown around you need to either be a super genius, incredibly lucky, have 10+ years of experience, or work yourself to death. Usually all of the above. Like I'm making ~$70k now, and it's the most I've ever made, and that's after 4 years of experience and getting a Masters degree, and it still took being unemployed for over a year before I got this job.
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Mar 16, 2022 19:31
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e; nvm will just PM
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Mar 16, 2022 19:32
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Neo_Crimson posted:It's not. Most companies are ridiculously selective now. The fabled $100k after college at a tech company is basically propaganda at this point. To get the $200k number thrown around you need to either be a super genius, incredibly lucky, have 10+ years of experience, or work yourself to death. Usually all of the above. Maybe this depends heavily upon where you are. I don't have a degree and was above your latter number with two years of experience at an agency (satan's hell hole). I'm in the levels.fyi 75th percentile area for Phoenix at a no-name smaller company with absurdly great wlb five years later. I think the LC grind is pretty much all that deters me from going somewhere else right now. BlackMK4 fucked around with this message at 19:38 on Mar 16, 2022 |
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Mar 16, 2022 19:33
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I’m dumb, lazy, have no degree, and make really good money in tech. I could make way more if I was smart and willing to work myself to death. You’re probably not going to make 200k fresh out of college but there’s still a LOT of money being thrown around and you can work your way up to it pretty quickly if you acquire skills in hot areas like cloud and devops.
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Mar 16, 2022 19:38
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YOLOsubmarine posted:That’s what we call “being on the customer side.” If I don't create problems then the people who fix them will be out of work. When you think about it I'm a jobs creator.
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Mar 16, 2022 20:12
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CAT INTERCEPTOR posted:Of what, the typical new Subaru buyer? the typical new car buyer, more like
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Mar 16, 2022 20:21
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Speaking of the typical new car buyer I saw this blurb in a CNBC article about the Fed rate increase:quote:Car buyers taking out loans for a new vehicle borrowed an average of $39,721 in 2021, an increase of over $4,000 from a year earlier, according to Experian. As a result, monthly loan payments hit a record high of $644. An 11% increase in one year is just 
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Mar 17, 2022 15:20
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FBS posted:Speaking of the typical new car buyer I saw this blurb in a CNBC article about the Fed rate increase:  If the average new car price is $35K and the average amount borrowed is $40K are people literally just buying new cars with zero money down or something? I assume that $35K figure doesn't include taxes and whatnot?
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Mar 17, 2022 15:31
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They’re rolling their old loan into the new one
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Mar 17, 2022 15:33
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Sab669 posted:
The average transaction price is up to $47k
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Mar 17, 2022 15:34
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there are for sure a lot of neggy eggy rolls but yeah, average loan amounts are still below average transaction prices also why would you not just finance as much of the purchase as possible? until recently auto loan money was basically free.
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Mar 17, 2022 15:47
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FBS posted:The average transaction price is up to $47k Ah, well, look at that. I just had the 35K figure in my head from yesterday's discussion I guess  I wish I knew what people were buying when they're paying $650/mo. Like are people really only putting 7 down on their mildly optioned 3 series? Wack. Sab669 fucked around with this message at 16:06 on Mar 17, 2022 |
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Mar 17, 2022 15:58
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FBS posted:Speaking of the typical new car buyer I saw this blurb in a CNBC article about the Fed rate increase: That’s the dealer markup being rolled into the loan
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Mar 17, 2022 16:49
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Sab669 posted:Ah, well, look at that. I just had the 35K figure in my head from yesterday's discussion I guess My wife works at a bank, and regularly sees people with 900 to 1400 dollar car payments. Generally very large SUV's and full size trucks with top trim packages. There's not a ton of foreign luxury in my area  , but no shortage of 70 to 90 thousand dollar domestic trucks and suv's. You can't be the only mom in the pickup line at school that isn't in a Yukon Denali or Tahoe High Country. 650 a month for 72 months is only 46,800 dollars. That's a Ford Explorer XLT with zero down and fees rolled into the loan. My lease payment on my Expedition is 900 a month. The middle and top market vehicles are getting really expensive and people keep buying them. The auto manufacturers put out even more expensive vehicles and people keep buying them.
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Mar 17, 2022 16:57
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I'll admit I absolutely fantasize about what I'd be driving if I didn't have my $730/mo student loans and could put that towards a car payment instead... but even with my terrible financial skills/practices, financing that much of a car purchase is just insane to me.
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Mar 17, 2022 17:01
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Sab669 posted:Ah, well, look at that. I just had the 35K figure in my head from yesterday's discussion I guess when you can borrow at mid 2%, why put any money down other than what's absolutely necessary?
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Mar 17, 2022 17:34
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I got a 1.9% rate on my F-150. I also bought it at a big discount and before prices went crazy. With inflation what it is now I feel pretty good about keeping my cash in the market instead of putting a lot down. If your loan rate is less than what you can get by keeping your cash in stocks/bonds/savings don't use it as a down payment. Put nothing down or as little as possible. The cash will earn you more than you would save in interest. Zero One fucked around with this message at 17:52 on Mar 17, 2022 |
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Mar 17, 2022 17:49
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I guess I was fixated on keeping my monthly at $400 for 60 months because I'm an unimaginative codger
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Mar 17, 2022 17:50
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Pretty sure the manufacturers are just baking the financing cost into the vehicle price which is partly why stuff keeps going up so much
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Mar 17, 2022 18:27
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Zero One posted:I got a 1.9% rate on my F-150. I also bought it at a big discount and before prices went crazy. With inflation what it is now I feel pretty good about keeping my cash in the market instead of putting a lot down. I do think there is something to be said for keeping extra cash on hand, especially if you are investing it... But still financing 85% of a depreciating asset's cost just doesn't sit right with me lol. Nohearum posted:Pretty sure the manufacturers are just baking the financing cost into the vehicle price which is partly why stuff keeps going up so much I've had this thought too. Kinda like education loans. When everyone's practically guaranteed lending, it becomes really easy to just keep jacking it up.
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Mar 17, 2022 18:36
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Sab669 posted:I do think there is something to be said for keeping extra cash on hand, especially if you are investing it... But still financing 85% of a depreciating asset's cost just doesn't sit right with me lol. versus paying cash on the nail for a depreciating asset? i don't get why that's better
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Mar 17, 2022 18:38
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Oh look a video of new cars coming out between 2022 and 2024: https://www.youtube.com/watch?v=YHCyzP0pUuc Whoops all electric SUVs
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Mar 17, 2022 19:26
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Zero One posted:I got a 1.9% rate on my F-150. I also bought it at a big discount and before prices went crazy. With inflation what it is now I feel pretty good about keeping my cash in the market instead of putting a lot down. This is what I did with my current car instead of using the sale of my last car as a down payment. The payments hurt a little but I should have no problem beating the 2% loan rate, right? The stock market is totally fine and doing great!
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Mar 17, 2022 20:10
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Zoom Zoom, motherfuckers
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Nohearum posted:Pretty sure the manufacturers are just baking the financing cost into the vehicle price which is partly why stuff keeps going up so much Can't be that because my credit union is offering rates that low and they definitely aren't getting kickbacks from manufacturers.
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Mar 17, 2022 20:35
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$0 down is great in a vacuum but if car prices eventually go down, and your car is totaled due to no fault of your own, and the value of the car is lower than your remaining principal you're kinda boned.
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Mar 18, 2022 20:21
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That is what gap coverage is for Your point is valid, the math should be done
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Mar 18, 2022 20:37
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For sure. Gap tends to be insanely cheap, though.
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Mar 18, 2022 20:41
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Kunabomber posted:I guess I was fixated on keeping my monthly at $400 for 60 months because I'm an unimaginative codger This is why my wife's Tahoe is a 4 year old mid level trim, I refuse to pay $600+ on a car payment, poo poo's whacked. Of course that also means I'm going to drive my outback into the dirt or I guess I've priced myself into a Maverick.
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Mar 18, 2022 21:09
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PneumonicBook posted:This is why my wife's Tahoe is a 4 year old mid level trim, I refuse to pay $600+ on a car payment, poo poo's whacked. Of course that also means I'm going to drive my outback into the dirt or I guess I've priced myself into a Maverick. It's an Outback, they're supposed to hit the dirt.
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Mar 19, 2022 00:11
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KYOON GRIFFEY JR posted:For sure. Gap tends to be insanely cheap, though. As long as you don't get it from the dealer
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Mar 19, 2022 00:26
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Ah. Yeah, Geico doesn't offer gap insurance.
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Mar 19, 2022 03:39
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Good news thanks to the appreciation in used cars no one needs GAP anymore
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Mar 19, 2022 04:50
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900 to 1400 car payments make me want to puke my mortgage is 1200 a month im driving my paid off 2017 honda cr v until gas goes outta style. I was idly fantasizing about Honda sensing safety stuff in a slightly newer model but screw it. That’s just more junk that can break in the long run wolfs fucked around with this message at 11:25 on Mar 20, 2022 |
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Mar 20, 2022 11:21
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well most people compensate for the overall borrowing amount by adding term, so that reduces your monthly payment! 
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Mar 20, 2022 16:26
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| # ? Jun 11, 2024 09:54 |
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You can live in your car but you can't race your house
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Mar 20, 2022 16:36
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