The act of one person, by definition, is not that of a union.

Sure it wasn’t a Takata airbag ?

This law is shit. Because if you’ve seen how cyclists ride in the cities here, the driver is not always at fault.

Here in the USA if you wanna kill someone and get off scot free you should do it in your car and claim you didn’t see them or the sun was in your eyes or they were in the lane or something. Officer Porkins will give you a hug, and pat on your back, and send you on your way with the body of your victim sticking out of…

Being right doesn’t help when you’re already dead IMO. So I don’t even ride a motorcycle.

Haha.This is Texas: cyclists are always presumed to be in the wrong because they should have been in a truck with firearms, like all normal people.

In the Netherlands when an accident happens between a car and cyclist/pedestrians, the cyclist/pedestrian is by default right. The (car)driver has to proof that he is not to blame. Besides the fact that all drivers in NL were cyclists once (very little schoolbuses or car-lines at elementary) this helps to protect the…

You are literally the whole market for this car.  There is no other reason for anyone else to want it

I paid my mortgage off fully this year (22 years early...). Don’t care that my credit score is dipping. The whole point is to never borrow money ever again to begin with.

Zero debt means lots of extra cash. Not sure how you assume he “missed out” from his post. I’m in the same boat as him, pay cash for used cars, also have no mortgage. Also contribute max yearly amount to Roth 401(k) for work and max limit on Roth IRA. With no debt, 60% of income is now unallocated and going to savings…

I have a friend that works in a credit union that has been saying this for years.

The issue is that dealerships go to a bank/credit union. They say they need a loan. The loan officer reviews the request. If it’s bad they are supposed to deny it. Except the dealership knows they can shop a loan to get the deal.

So he…

“Investors put huge amounts of money into securities backed by housing mortgages. Essentially, investors were lending their money to banks to fund mortgage loans, with the expectation that those mortgages would be paid and investors would reap the interest as a reward. But, those mortgages were fundamentally unsound,…

I’ll say what I always say:

“...nearly half are underwater. With both new and used cars skyrocketing in cost [...] That pattern isn’t likely to change any time soon.”

Yep. When we bought my toy car, the 19 Bullitt, I had nagged my wife for a while to get her permission. I did get it. Then, a few days later she asked me how much the car was. Let’s just say I both bravely and barely survived her wrath. We could comfortably pay cash for the car. It was still a shocker to her and,…

using the generic ‘detroit’ for this. detroit, and others, are pricing themselves out of the market. i predict you will see an influx of chinese autos soon. they will be cheap tin cans, like the early japanese autos were. uncle sugar destroyed the used car market with its’ clunker crush, now used cars sell for more…

No need to pay cash for cars today. But you should have cash for the car you want to buy. Financing while investing your cash is a great way to buy a car today. If you never had cash for the car and are financing it, you are screwed. The Repo Man loves people like that.

“When you tell a lender/bank that you do not have a mortgage they look at you like you shot their dog in the face”

They likely miseducate the public on what “credit score” means. It doesn’t mean how financially savvy you are, it means how reliably profitable you are to the lender.

One of the reasons I sold cars for an EXTREMELY brief period of time was because the dealership I worked at (one of the highest volume Honda dealerships in the country) taught us to push hard that even buyers with FICO scores in the high 600s (like 660 and above) had “bad” credit. Not even fair, straight bad. That…