It’s how I drive after riding my bicycle around town for the past decade.  

Fuck artificial trees, I’ll keep buying real (live) Christmas trees.

Two words:  Hood. Scoop.

Agree 100%. I have a huge puffy down parka, and I break it out a couple times each year. Most of the time I can just wear a t-shirt underneath it, but with a good long-sleeve base layer it can withstand just about anything. Coldest I’ve been out was the -50F (windchill, actual temps was around -30F) during the polar…

I once caught a fish this big!!!

Yeah, but those of us without mullets need to be able to drive something fun, too!

“Pump and dump”.  You just have to make sure you “dump” before the absolute bottom falls out of the company.

“And you know the surest way to go broke? Keep getting an increasing share of a shrinking market.”

Fun fact, the only time abortion is mentioned in the Bible is when a priest is told to give “bitter water” to a potentially unfaithful woman to cause an abortion.

Could have been worse.

They’re both fucking horrible for you.

He then asks for a “Pepsi Free”, another drink that hasn’t been around since 1987 (it was rebranded as Caffeine Free Pepsi).

Someone, somewhere is paying for that 0% loan, because money isn't free. It's why advertisements for "0% or $XXXX cash back" are so common. It's just a discount being paid for by the manufacturer or the dealer, which means that there are other discounts you could get instead. 

Well, whether there are prepayment penalties depends on the state. Here in WI there are no prepayment penalties if the loan is under $25k.

1) Great, but what would your cash discount have been if you’d gone for a higher interest rate and paid it off immediately? I was last offered ~$5k off of a $20k car if I went with their ~6.5% loan even though I could turn around and pay it off immediately.

My point was that if you’re SO SURE that you can beat that 3% auto loan with your 10% returns in the market, why not just get a HELOC at 3% and invest it instead?  What’s the difference?

Lol, have ~800 credit and still buy cars in cash. But hey, dick-measuring on the internet is kind of pointless, wouldn’t you say?

Oh man, as a college student from 94-98 I may have drank many, many, many gallons of various ice beer.