No, it won't be negative at all. You'll still get the initial hard pull hit (minimal), and you won't get the benefit of the on-time monthly payments (could be useful for building credit, but not for established credit). 

I learned this from WatchDogs 2!

That actually explained it perfectly. I kept thinking of the boat going in the same direction of the wind and it just didn’t work out.

You don’t need a magical craft. And that’s not how the angles work. You angle it in relation to the wind in order to increase the “wing effect” and pressure differential. That’s what propels the boat. For your method to work you’d have to assume that sailboats always travel “with" the wind. While that's sometimes the…

Conservation of energy doesn’t apply (well of course it applies to everything but you’re thinking of it wrong). Do you know how much energy is in the wind? The wind doesn’t have to be going 20mph for the boat to travel 20mph. If a sail can extract a certain amount of energy from wind, then it can travel a certain…

I’ve gone 25+MPH in 15MPH winds in my very low tech Manta TwinJammer landsailor on Ivanpah dry lake bed at Primm, Nevada. It doesn’t sound like much, but when you’re four inches off the ground in a vehicle with no brakes, it’s hair raising if you’re not used to it.

I saw Bob Schumacher go 116mph in the Iron Duck in…

I might have been on a boat or two :) It is still hard to grasp at times but it is about the “suction” the air creates as it bends around the sail and you have to have enough sail area to go fast. Even your normal sailboat has a sail area of a small house (1000 sq feet). Those AC boats have about 2800 sq ft upwind and…

That’s all kind of irrelevant. In any case other than running downwind. If you’re sailing any closer to the wind than a broad reach, your dive will largely be coming from aerodynamic effects of the wind traveling over the sail. If that weren’t the case you would never be able to sail to weather, which is actually…

Sail works like a wing, the wind moves around it creating a low pressure so the boat gets sucked along, not pushed by the wind. You have enough surface area and low enough wetting area, like the AC boat below, it will go faster than then wind speed because there is so much force on the sails.

I was laying on the deck of a catamaran off Waikiki and I looked up at the sails and realized, ‘By god, it’s a wing!’

Conservation of energy has me extremely skeptical about that last claim...

I would find something like CTS-V wagon for Cadillac and give the Fancy SUV to Range Rover (or Land Rover, I always forget which one is the company).

I agree with your update, and I’ll add Mazda: Mazda3 and Toyota should be Tacoma

I like this list, with the only change I'd make being the Pacifica instead of the 300 and have Honda make the Accord or CRV

I feel joy every time I hear BMW and 2002 in proximity.

Some consumers have simply never learned how credit works

3rd Gear:

Marry two of these engines and put big bearing in the center between the blocks to support the crank. 8.4L V-16 sounds perfect for a large car/suv and would be highly competitive in a mid-engine GT. Rev limit to something like 5k or so to keep the stress on the crank low. 750-850 hp and 1000-1200 ft-lbs of torque.  No…

Wrong car. Wrong terrain. Wrong wrong wrong.