I don’t think SNL has ever really earned anything approaching an “outlaw rebel comedy spirit.” They certainly haven’t been at the forefront of biting political satire (sharp? often. smart? sometimes. biting? rarely). SNL has always catered to a pretty broad audience, albeit with an absurdist bent, and their political…

You’re an unbelievable asshole.

Lol, I agree with this take in general, but here I can easily see some value for people trying to maintain a vegan diet who may nevertheless need to get a quick meal at a fast food place (which are pretty notoriously focused on meat products). 

I mean, almost no one thought what happened in 2008 could ever happen. I think maybe your confidence in people’s smarts and ability to learn from past mistakes to prevent future crises is overstated (look at the wild overconfidence in this thread, of which you are a part). Also, I think it’s important to note that the…

I don’t think subprime mortgage borrowers were getting “cheap” mortgages either. The problem was that MBS with a bunch of subprime mortgages were being rated as safe, AAA investments, because of the idea that packaging them together made them safer because it was diversified, and also because of the idea (AGAIN) that…

Not sure what your point is. What I’m saying is that the argument you’re making now—people will prioritize their car notes above all else—is literally the exact same argument people were making in the run up to the crisis. It didn’t prevent the crisis (also, most people who were underwater on their mortgages did not,…

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Huh? I think you’re missing my point. To be clear, the argument you made was that people will prioritize paying their car note. The point I’m making is that before the financial crisis everyone assumed mortgage defaults would not become a problem because the thinking was everyone prioritizes their mortgage payments…

Also add that the ease of repossession and the need to get to work means people will skimp on everything else first to pay the auto note in most cases.

You’re right that auto loans and mortgage loans are different things. I also would be surprised if any issues in auto lending led to anything approaching the 2008 financial crisis. However, there are a couple of things to keep in mind.

If you make a mistake at your job, do you still expect to get paid your full wages for that period?

Yep, 100%. In a former life, I worked as a helper on construction projects. Once, somehow, I got a bunch of cables nearly irrevocably tangled, and had to spend like an hour untangling it. That hour represented a total loss to my employer. I still got paid for that hour...in fact, I think it would have been illegal not…

Farming is not the only job, and also plant-based foods use plants that need to be cultivated.

I mean, jobs sometimes go away.  That doesn’t mean people can’t work (I also think we’re a ways away from farms going away or being completely unprofitable).  It also seems like a pretty big stretch to suggest that the endpoint of us figuring out more ways to meet our needs while protecting the planet must be getting…

When things start going well for Kendall, he gets way overconfident in his own abilities and destroys himself. It happened right away in the very first episode, which began with him tremendously confident he was buying Vaulter, and saw him utterly humiliated at every turn.  It happened when he first tried to take…

I’m not sure what to tell you. At first you were questioning whether it was even a crime, and it is. Now you’re really questioning whether it’s something that would really get you in trouble? If you would be comfortable walking into a fucking BANK, lying on your loan application by saying you are buying an asset that…

Yeah man, I’ve also walked into a dealership and walked out paying thousands less than the supposed “retail price” of the vehicle multiple times, probably everyone has.  I’m not sure what else to tell you.  If you qualify for an interest-free loan, that’s free money.  If you have to forego other incentives to get the…

You should stop, because it is absolutely fraud to put on a loan application that you are going to use the loan proceeds for one thing and then to use the proceeds for a completely different thing.  Like, that’s basically the definition of fraud.

People 100% should not fucking buy new if they can’t afford it.

On a $60,000 car, there is nearly a $300 difference between the monthly payments on a 5 year vs. 7 year interest free loan.