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GamingHyena posted:Call of Duty: Black Ops 9 - Northwest Indian War CoD: The Kargil War would be pretty rad. Sneak in to India as a NLI Havildar. Patrol as the Indian captain Kalia who found the incursion. herd goats as a random local caught in the crossfire. gradually freeze to death.
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May 4, 2017 08:07
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You're in a super-highly compensated part of the universe, why the gently caress would your colleague just not be able to budget for that poo poo in advance.
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May 5, 2017 13:16
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BloodBag posted:My Dad has a saying for that: expenses rise to meet income. I think about that one a lot and really, really try to avoid it as much as possible. I think the key is being disciplined enough to pay something (savings, retirement, etc) first and NOT TOUCH IT.
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May 5, 2017 13:49
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ate all the Oreos posted:It's not too hard, set savings up to get direct deposited to and make it a separate account at a separate bank so you literally don't even see it at all so you can't get "wow I have $xxxx I could totally buy a horse!" Well I mean step one is have free cash and be above subsistence level poverty so it's right out for a good portion of people today even in the developed world.
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May 5, 2017 14:41
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how the hell can anyone believe in Car Equity?
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May 5, 2017 16:17
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by the way he is completely fuckin wrong if you look at transaction prices, the options packages depreciate faster than the car gently caress that guy, and also all car dealers, with a barbed wire wrapped tie rod
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May 5, 2017 17:03
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In theory the Army is GWM in that you get fed and clothed and paid and poo poo, but it's actually BWM because dumb rear end 18 year olds with a secure social safety net gonna spend money they don't have on motorcycles/cars/booze/women. It should be illegal to get married until you make E-4. If you can't make E-4 you're too stupid to live.
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May 5, 2017 20:06
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Twerk from Home posted:I don't want to internet detective the guy, but a quick peek shows him posting about meeting a stripper 10 months ago, married her, got her pregnant, and now this divorce mess is happening all within the same year. That's bad with life, not just money. that is a tale as old as time
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May 5, 2017 20:15
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BarbarianElephant posted:I don't think it sounds crazy at all. It's cheap, and it might be a good investment after his kids grow up - they could build a house there and rent it out. As long as he doesn't keep bidding up and pay more than he is expecting. Asking if you can take a mortgage out on it raises a few flags to me. Cold on a Cob posted:Makes sense, since that's when you should buy as well. A lease is really just an alternative way of financing a car. Instead of financing purchase price, you're financing the use of a certain amount of depreciation of the vehicle (hence the mileage limits). Provided you don't put money down, and you stay within mileage limits, leasing is a good financial decision if you want a new car every 24-39 mos. Of course, buying a slightly used Prius and driving it in to the ground is a better financial decision, but provided you can afford a small premium and are disciplined about your distances driven, leasing is a good idea. It is also useful if you are a business owner who uses a car for work as you can deduct the lease costs as a business expense, but this is a bit of an edge case for most.
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May 5, 2017 20:40
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Subjunctive posted:RVs are more like homes than cars, at the high end. uhh not in how they depriciate
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May 6, 2017 20:53
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BEHOLD: MY CAPE posted:quite the contrary, it's all about cardio after the revolution overthrows the bourgeoisie and gasoline is no longer easy to find in the ultimate irony horses become GWM
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May 7, 2017 23:30
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Zo posted:still it's probably a good thing overall if it helps rich people spend their money instead of endlessly hoarding cash like modern day smaugs if this is the criteria there's no such thing as bad with money because spending money is then an inherent good
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May 8, 2017 13:02
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Much like anything, if you want to spend a lot of money on wine you certainly can.
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May 11, 2017 15:56
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monster on a stick posted:Did she really make a PowerPoint presentation about the condos being BWM? The whole post gave off a massive management consulting vibe from both of them.
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May 15, 2017 21:51
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You can't be underwater on a lease in a practical sense. You're always underwater on a lease because your payments are a straight line that intersect with the depreciation curve at a point x months in to the future. BWM is not knowing the difference between a loan and a lease.
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May 20, 2017 00:11
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Just saw an Uber/Zipcar crossover ad: you can rent a Zipcar to drive for Uber. I actually wonder how the math works. Zipcar covers insurance, and you don't own the asset so you have none of the depreciation costs. It might actually be GWM.
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May 26, 2017 13:31
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For one hour's driving let's figure on what, about 25 VMT, and at least on some stats that I found in my city an Uber driver's hourly takehome at full utilization is about $23/hr. 55 cents a mile vehicle cost leaves the driver with an owned vehicle with about $13.75 pre-tax. A zipcar at $7/hour leaves the driver at $16/hour pre-tax but does not include fuel, so figure on another $3 for a gallon of gas to drive 25 miles. That would basically make it a push (but significantly reduce the driver's risk, but also lower the driver's utility of owning a vehicle)
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May 26, 2017 14:03
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pr0zac posted:Zipcar traditionally covers the cost of gas. They also traditionally have mileage limits per day though, neither of which I'd imagine work with this Uber thing. Yeah, I forgot that, I haven't used it in quite a while. You couldn't drive all day but you could drive up to your mileage allotment which I think is 140mi/day. That's about five hours or so of Ubering.
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May 26, 2017 15:16
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Might not work with someone who's mentally challenged, though.
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May 30, 2017 18:56
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If you're in construction management a truck is pretty well a need. It shouldn't be nice though, Jesus Christ.
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Jun 2, 2017 18:51
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Jeffrey of YOSPOS posted:Yeah straight-up. "Encouraging home ownership" seems like it was kind of a bad idea even in a vacuum where that's all it did. A rent tax deduction would make more sense, straight-up. MA has a rent tax deduction.
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Jun 2, 2017 19:30
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22 Eargesplitten posted:I drive past a ton of construction every day. At least half of the cars are beat up Pontiac Grand Ams and Toyota Camrys. new trucks are really comfortable
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Jun 2, 2017 19:30
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22 Eargesplitten posted:How new are we talking? I have never been in a truck or van that was as comfortable as my beat up old Subaru or Escort. 2013 and newer basically.
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Jun 2, 2017 20:44
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brugroffil posted:from a guy who's been obsessed with buying a Tesla Model 3 for years: haha this is truly excellent jesus christ
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Jun 9, 2017 14:46
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Konstantin posted:Before they got bailed out by the government, US car companies made all their money on leases and loans. If you walked into the dealership and paid for a new car up front, they probably lost money on the deal. yeah that's not really true
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Jun 18, 2017 20:30
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C.H.O.M.E posted:Yeah 0% car loans were a thing for a while, that's not a money maker unless you are making money on the car. I mean car companies were (and are) making a poo poo ton of money off of captive finance but it's not like the full range was loss making at transaction prices. Some of it was, but there were a lot of other issues that weren't just "lol selling cars at a loss!!!" ohgodwhat posted:Every "0%" loan I ever saw always had monthly financing charges on the order of $15/month per $1000 financed. Sure sounds like interest for all practical purposes. This is true. Even if there's no interest rate there's usually a financing charge, but even relatively low risk auto loans at 1.39% are at best a breakeven prop for the financial arm.
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Jun 18, 2017 21:17
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If you think the loving Dodge Avenger is a good car you deserve whatever happens to you. Motherfucker could have bought a $400 set of snow tires for the Charger and been done with it, what a fuckin retard.
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Jun 30, 2017 16:18
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I definitely feel bad for the guy but at some level I feel like he should have known to take his sister more seriously and support her better.
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Jul 4, 2017 13:06
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It may very well be sound advice but what kind of idiot expects a sixteen year old to listen to sound advice
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Jul 4, 2017 14:49
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Senor Dog posted:What's the alternative here when my parents were 100% ignoring my sister after she came out i'd probably try to step in somehow i'd also do a little more due diligence on the dad to start with. if my dad was like "need 20k for med procedure ps don't tell nobody" i'd at least make sure i knew what it was and all that poo poo, i'd also probably wait for him to get billed before transferring dat cash since very few providers make you pay on the nail
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Jul 4, 2017 16:08
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Hoodwinker posted:You can lead a horse to a timeshare but you can't make him sell. you can lead a horese to a timeshare, and he will see it, and get scared and die
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Jul 5, 2017 14:54
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Startups are hilarious. I am a consultant normally working with very, very large industrial companies that are incredibly bureaucratic. I had a quick job with a hardware startup which was absolutely insane. The amount of time they spent on figuring out how to decorate their office, and the amount of free poo poo in break rooms and free lunches and dinners was crazy. There was far more thought put in to non-core decisions than core decisions. Usually for core decisions they just wanted me to make a snap judgement about what to do. I'm fine with doing that, but I at least like to have some information and data. The org was basically data averse and trying to gather data to make an informed decision was seen as indecisive, weak and not agile enough.
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Jul 14, 2017 09:10
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April posted:Car guys are like an infinite fountain of BWM: tesla people are not car guys
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Jul 17, 2017 19:31
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KingSlime posted:pretty sure that's not what we're talking about I'd argue for a Mini dealership based on the cute thing, but on second thought it's almost certainly an FCA store, $12/hr no benefits sounds like FCA.
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Aug 11, 2017 00:27
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literally everything is wrong there but how is the reaction to having car issues "yea let me get a 72 month high interest note on a Volkswagen Jetta"
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Aug 16, 2017 17:14
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this is an extremely uninteresting derail
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Aug 17, 2017 19:47
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I skimmed it, did he ever say what car he wanted?
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Aug 28, 2017 21:49
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all right in fairness the GT350 is extremely cool and good (flat plane crank V8 and an extremely sophisticated suspension) but it's a fast track weapon that you can kind of drive on the street. if you're just driving to work a $40k GT will be more fun and more comfortable.
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Aug 28, 2017 22:27
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Twerk from Home posted:Also, people with a gross income of $70k per year should not buy $65k cars. Strong concur
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Aug 29, 2017 01:58
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| # ¿ May 3, 2024 19:40 |
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FateFree posted:Is this the call that starts off with a foghorn? Because if so I'm in the money! I don't think so, because I got that poo poo a bunch and I'm not a member of the class.
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Aug 29, 2017 11:33
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