The reason the Saudis and Russians are flooding the market is to force American oil out of business. Once they achieve that goal, they will limit supply again and gas will get much more expensive. Texas shale is the main reason gas prices haven’t spiked in the last decade. Without them, there is no cap on OPEC’s price…

Comp and collision aren't that expensive in most states. Unless you're okay with eating the full value of your car (read: you drive a beater or are wealthy), you should keep comprehensive and collision coverage. 

Being damp isn’t the point at which fabric stops letting air through. It’s a very long gradient from totally dry to 100% saturated. If you’re just at rest and you’re using a relatively thin fabric, you should be good for at least a couple hours. My sister is a pharmacist and wears 2 cloth masks on a 10 hour shift.

You responded to the most irrelevant piece of information in the article. I called that out and instead of defending your point, you resort to ad hominem. Even at 6% APR, a 10% down payment instead of 20% is missing the forest for a single tiny tree. You’re trying to bring attention to an incremental interest cost of…

$11m in net worth is a 1%er. Congrats!

Your comment was regarding down payments. Being upside-down isn’t the problem; the down payment doesn’t affect depreciation, which is the real cost. The interest rate is an average, anyway.

Exactly. Gotta get that new Toyota every 4 years, otherwise people will think you’re poor.

Agreed. Sometimes it’s not a matter of lacking ability to understand new info, but of lacking desire.

Then the problem is that they’re buying cars they can’t afford. With that being the disease, being upside-down isn’t even a symptom, just a negative side effect.

“Have no debt” is reductive, but some (read: a lot of) people need the simplest rules because they don’t understand nuance.

That’s insane. Why do people not buy them up to re-sell? It's Indiana so I know the taxes won't kill you.

Being upside-down is only an issue if you don’t have the funds to cover the negative equity. If you’re getting <1% interest and have healthy savings, you should put the minimum amount down and get the maximum term, i.e. maximize upside-downness.

Show up? Most of those loans are just to keep up! Anything to avoid feeling inferior.

Where do you live that your house was less than $34k?

Seriously, 6% is practically a credit card rate now. When banks want 10+% APR for secured loans, that’s clear profit-seeking.

Taking liability coverage off cars for multiple-vehicle households can make for huge savings. The mileage thing is pretty minor. I have a low mileage discount that is about $200/year.

Honda Insight and CR-Z would like a word.

You don’t seem to have an outright refusal to use math when needed. While it sucks that your education was impeded, what I was discussing is more about a mindset than objective ability.

Are you making them with a pocket for removable particulate filters? PM2.5 filters that are face-sized are available, and should be more helpful than cloth alone.

It’s gonna depend on the fabric and your level of hydration, breathing volume, humidity, temperature, etc. Try it out and adjust if needed. Cloth should last longer than disposable materials.