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Posts: 180

ST is Smarter: So next month is the final payment on my car lease and I go in to buy it out. Here's my options: - Name Withheld By Request Oct 23, 09:35 29
- Depends on how your residual buy out compares to the current value of the car -- nm - Scorpion Oct 23, 09:51 1
  - and I obviously missed the first line.... - Scorpion Oct 23, 09:57
- (Look to clear debt fast when economies go south, 300 a month in a few years time might inflict the same pain on your pocket as 500 a month does now.) -- nm - Loyola Oct 23, 09:49
- if the monthly payment had been a little higher i'd choose that - DaneDukeNuuk Oct 23, 09:49
- I'd say it depends specifically on your tax situation, and what kind of returns you expect on the RRSP, but leaning toward C. -- nm - mafic Oct 23, 09:49
- A--you want to clear debt as quickly as possible on a depreciating asset -- nm - ceregon Oct 23, 09:44 2
  - I agree, but if he trades up in the interim. He'll save himself with the other options. -- nm - budice Oct 23, 09:49
  - Option E is to let the subscription expire, return the vehicle, and actually buy something. - Beryllium Oct 23, 09:45
- unrelated, but regarding your post yesterday about the bloc: - mafic Oct 23, 09:44 2
  - You don't feel it's not showing a disregard for the rest of Canada to continually vote for a party that only focuses on your province ahead of the... - Name Withheld By Request Oct 23, 09:51 1
    - I think that's exactly how reform started, when the other parties aren't willing or able to do what you want for your region, what's left? -- nm - mafic Oct 23, 09:53
- with option C, you're paying about $300 more in interest charges over the life of the loan -- nm - znufrii Oct 23, 09:42 4
  - which would likely be more than offset by the tax benefits of the increased RRSP contributions. -- nm - mafic Oct 23, 09:51
  - with option B, you're paying just over $100 more. -- nm - znufrii Oct 23, 09:45 2
    - True, but with option C, he can invest a sum of money in a nebulous market, with a possibility of earning quite a bit of return -- nm - Beryllium Oct 23, 09:47 1
      - Or, the possibility of losing money as the market thrashes around some more. -- nm - TaurusII Oct 23, 09:48
- D. Tear off all your clothes in the car dealership, set fire to them, and dance around them making loud whooping noises. - Loyola Oct 23, 09:40
- A) you want to be debt free as soon as you can - colin Oct 23, 09:40
- C sounds good. I would also consider possibly on trading for a newer car. -- nm - budice Oct 23, 09:40
- get a bike -- nm - DaneDukeNuuk Oct 23, 09:39 5
  - Got it. Used it quite a bit in the summer. That said, Winnipeg is a auto-city. -- nm - Name Withheld By Request Oct 23, 09:44 4
    - seen thoose new battery powerd bikes? - DaneDukeNuuk Oct 23, 09:48 2
      - I have actually. Cost is the big factor keeping me from a scooter (or better a motorcycle) in the summer. -- nm - Name Withheld By Request Oct 23, 09:55
      - ... here, let me link you to some historical weather info for Winterpeg. -- (link) - Beryllium Oct 23, 09:50
    - Ooh, right. That complicates things. -- nm - Beryllium Oct 23, 09:46
- Other suggestions? Never lease. ;-) That said, I like the investment idea. -- nm - Beryllium Oct 23, 09:38 2
  - The lease made the most sense at the time and actually worked out well. Lease offered much lower payment and a lower interest rate made it even-ish. -- nm - Name Withheld By Request Oct 23, 09:41 1
    - It's like a subscription for a car. Most people get stuck with it, so instead of buying the car after, they trade it in and get a new one - Beryllium Oct 23, 09:42
- I'm leaning toward A - ty97 Oct 23, 09:38
Since HSX sucks majorly now, it's time to shill another fun movie related game: EZ1's box office challenge. - Inigo Oct 23, 09:33 1
- oo, this is a fun game. i've enjoyed it when i've played it before. -- nm - colin Oct 23, 09:41
Nike Marathon awards winner status to woman cheated from an 11-minute victory - Will Hunting Oct 23, 09:32 4
- beyond stupid. -- nm - Remlik Oct 23, 09:39 1
  - I dunno - with all the stupid flying around the last few months, this hardly even registers. - Cuzzin Todd Oct 23, 09:48
- I get the justification, I just think they should start everyone at the same time. - mafic Oct 23, 09:38
- That's absurd. -- nm - Don Homer Oct 23, 09:35
[deleted] 3
- I know I haven't been around for awhile... - The Digital Mariner Oct 23, 09:40
- As long as the relationship is separate from work. I don't see a problem. If you feel he's using you, politely decline. -- nm - budice Oct 23, 09:36 1
  - [deleted]
true life poll: if your life was an episode of MTV's True Life it would be "I"m a . . . .?" - pixie fierce Oct 23, 09:32 1
- [deleted]
Bandolier of Carrots t-shirt -- (link) - ty97 Oct 23, 09:32
SITWAP: Pentagon looking for developers to build a pack of robots to hunt down "uncooperative humans", Sarah Connor. -- (link) - TaurusII Oct 23, 09:31
EBay / NASCAR: JJ Yeley put himself up for auction -- (link) - budice Oct 23, 09:30
I have to say, Stacy what's her face on HSX minute is hot. -- nm - Loyola Oct 23, 09:29
A.I.G. to Suspend Millions in Executive Payouts -- (link) - DaneDukeNuuk Oct 23, 09:29 1
- I would really love NPR or CNN or any news agency to get a hold of a millionaire exec and ask them what life is like without the big bonuses. - Max Oct 23, 09:32
Sent a resume out and an hour later the dude is calling me all hot and bothered to chat. Calling me back tonight... - Beaker Oct 23, 09:29 2
- Good Luck! -- nm - Diva Oct 23, 09:30
- Spooning. -- nm - Don Homer Oct 23, 09:29
hooboy, do i have a great story to tell.. it involves dog fighting, cocking fighting, a rebel flag, and the deep south!! - colin Oct 23, 09:28 1
- only in the cocking. -- nm - ty97 si Oct 23, 09:29
actually, there is one other car I care about. if I had $100,000 in fully disposable play money, I'd buy a BMW z4 -- nm - mafic Oct 23, 09:26 13
- with that much money, I would get a tesla roadster -- nm - tRuMaN Oct 23, 09:31 3
  - You'd better hurry. -- nm - TaurusII Oct 23, 09:33 1
    - (linky) -- (link) - TaurusII Oct 23, 09:36
  - *ding* -- nm - Spawn Oct 23, 09:32
- I'd actually prefer a gray mustang to a z4. -- nm - Loyola Oct 23, 09:31
- [deleted] 1
  - I am still annoyed that police here have non-convert Mustangs for unmarked police cars. -- nm - Spawn Oct 23, 09:32
- uh, the z4 is only about 40 grand (even the m version is only about 50 g's) -- nm - decline Oct 23, 09:29 3
  - maybe I was thinking z8, but they don't make those anymore, do they? - mafic Oct 23, 09:35 2
    - yeah, z8 was over 100G, but discontinued. the M6 convertible is over 100 - decline Oct 23, 09:38 1
      - I like the small. not a big fan of the M. -- nm - mafic Oct 23, 09:39
- freaking hell. If I had that much, I'd buy a 40' yacht. -- nm - Beryllium Oct 23, 09:27 1
  - if I'm buying a $100,000 car, there's plenty left over for yachting. -- nm - mafic Oct 23, 09:28
*gasp* Greenspan says he was wrong about deregulation -- (link) - znufrii Oct 23, 09:25 22
- [deleted] 19
  - He would say that, because he was the one who kept interest rates too low, which meant that money was too cheap, which meant that - Roger More Oct 23, 09:46
  - Everybody is to blame here... - Marlowe Oct 23, 09:33 15
    - [deleted] 14
      - I disagree. - ty97 Oct 23, 09:40 13
        
        [deleted] 11
        
        If the homeowners never take the loans, then the bank never give the loans, and the bad loans never exist. - ty97 Oct 23, 09:45 5
        
        [deleted] 4
        
        Homeowners taking loans they couldn't afford to pay is just just a tangential item. It is a direct cause of the problem. - ty97 Oct 23, 09:54 3
        
        [deleted] 1
        
        of course one homeowner did not. many homeowner, however, contributed -- nm - ty97 Oct 23, 10:01
        
        *not* just a tangential item -- nm - ty97 Oct 23, 09:54
        
        If I know that you bought a hot-dog you can't pay for, I'm not loaning you money.. (NM) - Marlowe Oct 23, 09:44 1
        
        [deleted]
        
        Because when they all default on their loans within a very short period, no one has confidence to lend money any more -- nm - Roger More Oct 23, 09:44 2
        
        [deleted]
        
        and when they're bundled and sold as securities, those securities are now worthless. -- nm - mafic Oct 23, 09:47
        
        Yep.. (NM) - Marlowe Oct 23, 09:41
  - Crazy talk. It's all on the black people that wanted to buy homes. -- nm - Reagen Oct 23, 09:31 1
    - [deleted]
- He's a Socialist!! -- nm - Don Homer Oct 23, 09:26
- "We call it the Greedy Dumbass Corollary." -- nm - Reagen Oct 23, 09:26
TT Poll #Chick-Fil-A - If you are a fan of Chick-Fil-A, what do you like to order? - Diva Oct 23, 09:24 36
- Whatever their base chicken sandwich is...it's so good! -- nm - ceregon Oct 23, 09:46
- I always get the chicken salad sammich and waffle fries. -- nm - mara Oct 23, 09:35
- Currently loving the Chargrilled and Fruit Salad - ty97 Oct 23, 09:33
- #2 combo with a diet coke. -- nm - TaurusII Oct 23, 09:32 1
  - Or the Southwest Chargrilled salad. -- nm - TaurusII Oct 23, 09:34
- I dunno what I usually order. colin, what do I usually order? (NM) - Marlowe Oct 23, 09:31
- It's never as good as I remember, but we still end up going 2-3 year. - The Digital Mariner Oct 23, 09:28
- never been. - znufrii Oct 23, 09:28
- I think chick-fil-a must be the american version of swiss chalet. never got what all the fuss was about. -- nm - mafic Oct 23, 09:28 1
  - I used to like the Swiss Chalet in Beau Fleuve a lot. -- nm - Diva Oct 23, 09:31
- [deleted] 1
  - I never knew Chick Fil A until I moved here. I was so missing out. -- nm - Callisto Oct 23, 09:28
- grilled chicken, fruit cup. Sometimes I add a baked potato. -- nm - Callisto Oct 23, 09:26 2
  - Other times they act as if baked potato technology is light years from coming to fruition. -- nm - David Oct 23, 09:34 1
    - I cannae dew it, cap'n! I'm givin' all she's got! -- nm - Beryllium Oct 23, 09:48
- The only ones we have here are in mall food-courts, so I almost never eat there. - Cuzzin Todd Oct 23, 09:26 1
  - "which has" not "which was." -- nm - Cuzzin Todd Oct 23, 09:29
- IIRC, I order chicken strips. -- nm - budice Oct 23, 09:26
- nuggets, fruit cup and fries from Mcdonalds. I heart those nuggets. -- nm - amylicious Oct 23, 09:26
- [deleted]
- #1 or #7 (I think...the chicken nuggets), with Lemonade and waffle fries. Sometimes substitute the carrot & raisin salad for the fries. -- nm - JaxSean Oct 23, 09:25
- Either the regular chicken sandwich or the spicy chicken sandwich. Lately I've been getting the small salad instead of fries. Usually coke, though - Don Homer Oct 23, 09:25
- Chicken strips and a coke. -- nm - Spawn Oct 23, 09:25 2
  - Oh, they upgraded their shakes a year or two ago and they are awesome. - Spawn Oct 23, 09:26 1
    - the coffee caramel one is the bombfuckingdiggity. -- nm - JaxSean Oct 23, 09:27
- oops - ST Poll... -- nm - Diva Oct 23, 09:25
- I have one question... - Mel Profit Oct 23, 09:25 9
  - honestly, I only know about it from hanging out here... -- nm - znufrii Oct 23, 09:31
  - i dont think they exist there. -- nm - loosilu Oct 23, 09:27 3
    - I feel excluded! -- nm - Mel Profit Oct 23, 09:30 2
      - There's one in Peabody. -- nm - Diva Oct 23, 09:42
      - The website has a restaurant locator, so I'm sure you can work out a road trip -- (link) - Roger More Oct 23, 09:34
  - even stranger, google "The Dwarf House." seriously. -- nm - JaxSean Oct 23, 09:26
  - wow. -- nm - Don Homer Oct 23, 09:25
  - I'll tell you all about it at home tonight. -- nm - Diva Oct 23, 09:25
  - Agreed -- nm - Hookers and Crack Oct 23, 09:25
REB2: I doubt a Coke or Pepsi commercial makes people change what they are drinking. As Callisto said, just about brand awareness. -- nm - Spawn Oct 23, 09:24 2
- To put it in political terms, Coke/Pepsi ads are about energizing their base -- nm - rollo Oct 23, 09:33
- Almost all TV (especially network) advertising is going to serve that purpose. - Callisto Oct 23, 09:26
DML: Decide My Lunch - znufrii Oct 23, 09:23
[deleted] 1
- hah, that's hilarious. It's too bad my veggie coworker is away from his desk. -- nm - Beryllium Oct 23, 09:25
[deleted] 11
- hooray! -- nm - prayformojo Oct 23, 09:32
- Thank God. -- nm - David Oct 23, 09:32
- good news. -- nm - Remlik Oct 23, 09:29
- Great! -- nm - Don Homer Oct 23, 09:29
- muy bueno -- nm - JaxSean Oct 23, 09:28
- Nice. Amazing how the house does not feel right when they are not there. -- nm - Spawn Oct 23, 09:24
- yay! -- nm - Callisto Oct 23, 09:24
- good news. -- nm - Diva Oct 23, 09:24
- cool man. -- nm - budice Oct 23, 09:24
- You must be relieved beyond measure. Fantastic news. -- nm - Mel Profit Oct 23, 09:24
- neechay!! -- nm - Beryllium Oct 23, 09:22
I really like the new Tomlinson/Polamalu Nike ad -- nm - crash davis Oct 23, 09:20 4
- [deleted] 3
  - I had no idea thats who directed that -- nm - crash davis Oct 23, 09:25
  - They probably hired that little kid from the video David posted yesterday. -- nm - Reagen Oct 23, 09:24
  - they're good but the gold standard are the ones done by Mann last year. - Mel Profit Oct 23, 09:23
Im havionmg lunch in the caf, and some dude outside is smoking, talking on the phone, and staring in my direction. - loosilu Oct 23, 09:20 3
- "I hope this trunk has an inside latch." -- nm - three hours from now Oct 23, 09:30
- [deleted] 1
  - "Here's the problem. Someone set the switch to 'Evil' " -- nm - rollo Oct 23, 09:31
And where the hell was Sallah?! - Will Hunting Oct 23, 09:19 2
- I thought he was dead but wasn't sure so checked IMDB and look what I found!!! -- (link) - Cuzzin Todd Oct 23, 09:22 1
  - (Oh, and the actor isn't dead but what I linked is WAY more important than that pice of info.) -- nm - Cuzzin Todd Oct 23, 09:23
Will lists issues with INDY4 and doesn't even mention the ending? -- nm - ty97 Oct 23, 09:18 7
- In the Indy movies, that one doesn't bother me all that much. - Will Hunting Oct 23, 09:23
- You know, I don't find the ending of Indy 4 any more unbelievable than the power of god flying out of the ark and melting a bunch of nazi's faces off. -- nm - Cuzzin Todd Oct 23, 09:20 5
  - spiolers, dood! - Beryllium Oct 23, 09:23
  - I don't like the main ending, though I agree with you. I was more thinking of the atrocious final scene. -- nm - Don Homer Oct 23, 09:22 3
    - I only minded that becuase of the suck that was Shia's character. -- nm - Will Hunting Oct 23, 09:35
    - If you the absolute final scene, I freakin' loved it. -- nm - David Oct 23, 09:31
    - I was 2 seconds away from "backpack full of dynamite". -- nm - Reagen Oct 23, 09:26
Any legitimate sites list actual foreclosure numbers by region? -- nm - Mop Oct 23, 09:18 3
- another -- (link) - ty97 Oct 23, 09:21 1
  - This one's got some solid raw data. Thanks. -- nm - Mop Oct 23, 09:27
- not really what you want, but maybe a start -- (link) - ty97 Oct 23, 09:20
[deleted] 2
- I had to word my reply to that very carefully. - JaxSean Oct 23, 09:24
- now, now. I'm not Qale or RC -- nm - ty97 Oct 23, 09:19
Disingenuous email: you don't have anything to eat so I'm bringing you Chick-Fil-A! (nm) - David Oct 23, 09:18 5
- Mmm... #4 with small salad. -- nm - Don Homer Oct 23, 09:20
- Well, I have stuff to eat. You can go get yourself something if you want. -- nm - Callisto Oct 23, 09:19 2
  - you need to find someone who will appreciate your taste in food, and not like bad Indiana Jones movies -- nm - pixie fierce Oct 23, 09:21 1
    - The worst of the four Indiana Jones movies (Temple of Doom) is still Casablanca compared to the "best" Star Wars movie. -- nm - David Oct 23, 09:30
- I don't see how that'll solve the problem. -- nm - mafic Oct 23, 09:19
Word. -- nm - Jim Oct 23, 09:17

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