Yes especially when I had young couples in, using all their income to get a home and then I ask how can they afford if one of them is on maternity leave, or later when child expenses run up.

I’m guessing this issue became obvious during the development of the Cybertruck, and that’s why Tesla suddenly got in the business of selling wraps.

“I hate the idea that a 3-5 ton luxury vehicle used to shuffle around a single well-to-do douchebag is suddenly cheaper to own than the $1500 beater that a single mother of four drives to and from work”

Some Cybertruck owners say their fellow Cybertruckers are blowing things out of proportion, and one said it’s a good idea to not “...drive it in the rain, or get it wet.

They aren’t getting data off of cell phones they are getting data from cell phone towers relating to which devices were connected to the tower at a specific time. HUGE difference.

I could probably refi at a slightly higher payment with a 15 and shorten my term by 5+ years, so that would make some sense. But the who point of 30 being market standard is most people can’t begin to afford that kind of payment, or even want to if they could.

The shorter terms are better IF you can afford them, when I was a mortgage broker I would do up mortgages for the longest amortization, then set additional payments to lower it. Then if people had an income change downwards, think maternity, returning to school, illness they could keep the base payments. Sadly a lot…

This might irk some people here, but look at how guns are marketed and see how much liability they get from it. And those are the extreme cases. And if a defeat device was used in those cases (for example mods that convert semi to burst or fully automatically), that might also kill the arguments for the few cases that…

I mean, I don’t think that’s necessarily right. But if you decide to finance something like a new car, you should look long and hard at why you’re doing it, how much your borrowing, and what it’s actually costing you. By way of example (and frankly my own from a couple years ago):

Really, whether the 15 year mortgage makes sense for someone depends on (a) whether they can afford the higher payment vs. a 30 year, and (b) the difference in the interest rate between the 15 and the 30. In a situation where the rates are very close, the option to pay over 30 years has value.

The cash back is the key. But it only works if you always pay off your balances. Like you, cash back is free money for me. I also grab any deal for 0% financing. My money makes a lot more than 0%. If I buy a computer at 0% I can put most of the purchase price into an ETF and watch it grow.

The keeper of the cell tower info (phone company?) probably turned over the information voluntarily.

More accurately, it costs the people who pay cash or don’t have cards with rewards programs. Being poor is expensive!

But not personally. You pay those marked up prices no matter what. Plus, even cash isn’t free to a merchant. There’s security, handling, and theft costs associated with cash they don’t incur with credit cards. 

Look at it this way - No matter how long your drive, getting in and out is only gonna take about ten seconds in total. So if you drive for 30 minutes, getting in and out is only about 0.55% of your total time. The rest is driving, and driving a Miata almost anywhere (that isn’t a highway) is basically mainlining…

China has the low-end of the market sown up with multiple Chinese manufacturers.

Passed its smog a week ago, now won’t start, and already the owner throws in the towel? That plus the weird paint job tells me to run away. I don’t know what’s going on here, and I don’t want to know. ND.

Pretty much how else to you get eye balls on a tiny dealer in a spec of a Montana town.

Right, like when I took drivers ed in the mid 90's they taught it to us the easy way.  Pull up until your head is even with drivers seat of the car beside you, cut the wheel all the way to the right, back up until your head is even with the bumper, cut the wheel all the way left, and swing the front in, easy peasy.

I haven’t parallel parked in probably 20+ year but I could 100% do it right now if I had to. It’s just not that hard, at least not the way they taught it in my drivers ed.