True - but the scoring system is pretty bullshit. A number denotes a gradual process, but it’s not even that gradual. It’s pretty much got 4 stages. Shit credit where you get nothing, which is mostly under 600, reasonable credit where you get some stuff but not the best interest rates, under 700, and anything over 700…

I bought one of these, I really like it. EXCEPT. It’s garbage as an edger for putting a clean line on my sideburns, the instructions say turn it perpendicular to your face for edging, but it doesn’t do anything when I try that. Tips appreciated.

I bought one of these, I really like it. EXCEPT. It’s garbage as an edger for putting a clean line on my sideburns,…

I didn’t say they were bought by elites. I said they were for elites.

Brotha, you’d better believe I only rock 800+ FICO scores.

https://www.apple.com/shop/browse/financing

18 months for anything over a grand. This is the Apple specific financing though through Barclays. Their leasing program is different. 

Apple’s interest free financing is 18 months. I also left out that average households are like 2.4 in size, so if we really want to pick nits, the total would be closer to 1875 + Tax + Applecare.

That’s actually sort of the point. Affordability in this instance is buoyed by interest-free lending, or leasing programs. But in real terms - the price, even taking into account time value of money, is greater than the $400 that 40% of Americans can’t come up with in an emergency. People don’t have full awareness of…

There’s definitely a “fast enough” threshold we’ve long since passed. Depending on weight, for me, it’s between 230 - 350ish HP and 0-60 sub 6 seconds. But I’m sure everyone has their own opinion.

Lol. You’re fighting with an argument I didn’t make. Look at the headline of this article and re-read my post. Carefully this time.

And yet, it’s pretty close to the average upgrade interval.

I think you’re absolutely right. My wife and I earn more than that household median and I’m definitely rethinking it. That said, these devices are being manufactured and marketed as mass-market products. When really, they’re for elites. 

2 XR phones are 1400 bucks. Add apple care and amortize it over 18 months, and we are talking a little over 100 per month for a standard family. 2% of the income for a median income family. I don’t think we should classify anything that requires 100 dollar payments for a family as “affordable”.

If there’s one thing I like about 2016 is that it caused a new crop of forward thinking and clear-speaking Democratic candidates. I have high hopes for a Gillum victory, and I don’t know if Kamala Harris is going to be the nominee for 2020, but if she’s the harbinger of the next gen of candidates, I feel a bit better…

Or Chris Harris.

Finance should be a required class in high school or before you make any car purchases. Time value of money blows minds.

You’re right. Though let’s see when it actually launches. When they launched the Model S, the “base price” included some very fuzzy math including projected fuel savings after a pretty long “average” commute.

I’m pretty sure the 35K calculation was always after the $7500 tax credit. So this 45K model is actually $52.5K, and the $35K model will actually be $42.5K. So actually there never will be a $35K model 3. Ever.

I’ve actually often wondered this. Really useful information - it gives my inane daily work commute daydreams a realistic budget. 

Agree- I love the look of the SC. Except for those 90s-tastic wheels. Holy shit what were we thinking back then. Better than the deep dished, chromed-out low profile bullshit you see on these cars nowadays, but there has to be a happy medium.

anyone know how to take advantage of that tire discount when you have a staggered setup?

anyone know how to take advantage of that tire discount when you have a staggered setup?