Well, that would be the first time that a script with “M. Night Shyamalan” at the end of it made any sense at all.

I admire him for having a coat of arms!

She might be Mother Hubbard. Who knows.

Plot twist: hipster mechanic is a new fashion statement and he’s the owner. The other guy is the mechanic.

I’ll definitely FedEx back your Taylor Swift and Milli Vanilli CDs, but I dunno, cars with very long front overhangs don’t float my boat.

OT: what happened to those posts where you rode around with people in your Mercedes?

Eh, I dunno, I've always dealt with pretty friendly people every time I've been to Boston.

5w-40 full synthetic, nudge nudge, know what I mean, eh eh?

No need for the usual American inferiority complex in front of the Brits. Tyler quoted NBC News.

Cool, thanks for the info.

Who pays them? The team, or do they get paid directly by sponsors, or...?

What about salaries? In my experience salary is often the largest expense of any business.

Absolutely. But to make money, they must pay less on their deposits than they expect you to pay on your loan. Otherwise you’ve got the S&L crisis of the 80s. And thus, the risk free return on a deposit will always be less than the rate charged for a loan.

I know I’ve often made rude comments in jest about your used car philosophy, but this is the most rational advice I've seen on this site in a long time. Especially the part about considering how much free capital you have. Few people need to take out a loan to buy a hamburger. For some people, buying a new car has as…

But they usually have an alternative where you pay less for the car, in the form of a rebate. That is, 0% financing or $5,000 rebate. That $5,000 represents the interest.

Exactly. People always quote these theoretical situations of higher returns, but they don't take into account risk premiums.

Because you have to pay off the loan no matter what, but you won’t find a RISK FREE investment that pays more interest than the loan charges. If you could, then you and I and everyone else would just arbitrage the shit out of the situation and return the rates to a rational spread. If you want to take on the risk of a…

Man, we can only post constructive comments now? Now it’s like work!

Poon Tang Cruiser?

Because no well functioning monetary system will let you buy a risk free investment for less than the cost of money. In other words, no risk free deposit will pay a higher interest rate than the rate on a loan. It couldn’t be otherwise, for if it were, I would borrow money and deposit it into such an instrument. So…