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Business, Economics, and Taxes: Capitalism. Yay? >=(

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I understand throwing money at the loan, but in post-COVID, it appears that many car loans now include penalties for early repayment. That's another layer in this. You can't finance a car just to cut a check at the end of the following month to cover it all it seems.
 
RaceBoarder said:
I understand throwing money at the loan, but in post-COVID, it appears that many car loans now include penalties for early repayment. That's another layer in this. You can't finance a car just to cut a check at the end of the following month to cover it all it seems.
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The early payment penalty won't be much if you still spread it out. Let's say your payment is $600 a month...pay $700 or whatever you can comfortably afford. The penalty will likely be negligible especially if you put a bunch down.

I would suggest waiting because interest rates will likely not rise to a point that you will even really notice it and if you have a good credit score along with a solid down payment you should be fine. I am not financial wizard though so obviously do your own research and crunch the numbers.
 
In other news...Elmo is slashing the prices on Tesla's. Funny how hard it is to sell cars to the people you spit in the face of.
 
St. Clown said:
I’ve seen so many more code breaks end up in PROD ever since we went Agile dev because “that’s the way the world is going.” Well, you know what? The world is full of crappy ideas.
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I am on a disaster recovery call right now. Told them that they had to restore back to 11/28. They restored the database back but not the filestore that goes with the database. So everything is out of sync. That's the state of IT right now. It used to be that restore back to November meant restore back to November.

I have an IT degree and I almost wish I picked and did anything else in life cause the entire space is a complete cluster fuck.
 
ScoobyDoo said:
I am on a disaster recovery call right now. Told them that they had to restore back to 11/28. They restored the database back but not the filestore that goes with the database. So everything is out of sync. That's the state of IT right now. It used to be that restore back to November meant restore back to November.

I have an IT degree and I almost wish I picked and did anything else in life cause the entire space is a complete cluster ****.
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I’m first-level triage because I have economics degree with a computer minor. I’m perfect for talking to the money guys and understand (more than) enough tech to work with the real techs. I’ve seen some really dumb things, too. I filter out some a lot of the money people’s stupidity before the techs have to waste their time with it.

Im really not sure which is worse some days, the people who know nothing and can’t see a simple error, like entering numbers into an alpha field, or the fools who think they know too much to be bothered with the fix-it playbook. One has worse potential outcomes, but the other just happens all. the. time.
 
St. Clown said:
I’m first-level triage because I have economics degree with a computer minor. I’m perfect for talking to the money guys and understand (more than) enough tech to work with the real techs. I’ve seen some really dumb things, too. I filter out some a lot of the money people’s stupidity before the techs have to waste their time with it.

Im really not sure which is worse some days, the people who know nothing and can’t see a simple error, like entering numbers into an alpha field, or the fools who think they know too much to be bothered with the fix-it playbook. One has worse potential outcomes, but the other just happens all. the. time.
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The worst is the current crop of IT/IS folks who didn't learn the basics. The market is flooded with them.
 
Handyman said:
In other news...Elmo is slashing the prices on Tesla's. Funny how hard it is to sell cars to the people you spit in the face of.
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I guess we'll possibly see, but I suspect that move has as much to do with lots of other business reasons than the "don't screw around with us libs or we'll bury you economically" mantra you like to push.

Teslas were/are outrageously priced. My guess is they probably had as much profit margin built into them as any other car on the market. Thus, they had room to drop the prices.

Also, there are a lot of cars moving into the EV market, so now is the time for Tesla to get more competitive pricing wise.

Third, isn't Biden going to push some big tax break for EV cars this year, something that the Tesla's, for the most part, were going to be cut out of because of their sticker price?

Personally, I'd never buy a Tesla, and I don't care if they go bankrupt or not. But I see a lot of them in the Uptown area of Minneapolis whenever I happen to be there.
 
The current state of Tesla mirrors the current state of Information Technology and Information Systems. Completely fucked up. Someone in IT shutdown the entire air travel system in the United States this week.
 
There are like 4 in my neighborhood. None of them new though...

And Tesla's have always been overpriced...even their "cheap" models but they never had to slash prices before. Now they do and whether you want to admit it or not part of that is because Elmo spends way too much time trying to own the libs. Notice, all of the flaccid gun toting "Im gun use my gas stove an cook a critter!!1!1" herpa derps aint buying his cars. All he has are us "Owned" Libs. His are still the best option out there (not for long though) and yet he can't move them all of a sudden. It is not just a coincidence.

Don't get me wrong it isn't the only factor...but as someone who was on the fence about buying one even after he started his little Twitter debacle I can say it definitely played a part in me deciding it ain't worth it. People don't want to buy products from someone that out to lunch...ask Donald Trump and his 30000000000000 failed business ventures. I guarantee if Elmo had never bought Twitter to troll the world he would not be having half the issues he is right now. (China would still be an issue) He would likely still be seen as a savvy businessman instead of a guy who won the birth lottery who would struggle running a lemonade stand. His Twitter acquisition will be studied in MBA courses as what not to do when you want to buy a company. He offered too much, didn't read the contract, tried to back out, then tried tanking the stock, went to court and ended up spending hundreds of thousands of dollars to buy Twitter for the exact overpriced number he originally agreed to. Then he fired half the staff and is likely going to be sued for breach of contract over their severances. Oh and lest we forget, he is currently about to start a trial over his stock manipulation pretending he secured funding over Tesla...
 
Handyman said:
There are like 4 in my neighborhood. None of them new though...

And Tesla's have always been overpriced...even their "cheap" models but they never had to slash prices before. Now they do and whether you want to admit it or not part of that is because Elmo spends way too much time trying to own the libs. Notice, all of the flaccid gun toting "Im gun use my gas stove an cook a critter!!1!1" herpa derps aint buying his cars. All he has are us "Owned" Libs. His are still the best option out there (not for long though) and yet he can't move them all of a sudden. It is not just a coincidence.

Don't get me wrong it isn't the only factor...but as someone who was on the fence about buying one even after he started his little Twitter debacle I can say it definitely played a part in me deciding it ain't worth it. People don't want to buy products from someone that out to lunch...ask Donald Trump and his 30000000000000 failed business ventures. I guarantee if Elmo had never bought Twitter to troll the world he would not be having half the issues he is right now. (China would still be an issue) He would likely still be seen as a savvy businessman instead of a guy who won the birth lottery who would struggle running a lemonade stand. His Twitter acquisition will be studied in MBA courses as what not to do when you want to buy a company. He offered too much, didn't read the contract, tried to back out, then tried tanking the stock, went to court and ended up spending hundreds of thousands of dollars to buy Twitter for the exact overpriced number he originally agreed to. Then he fired half the staff and is likely going to be sued for breach of contract over their severances. Oh and lest we forget, he is currently about to start a trial over his stock manipulation pretending he secured funding over Tesla...
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Fair enough
 
St. Clown said:
I’ve seen so many more code breaks end up in PROD ever since we went Agile dev because “that’s the way the world is going.” Well, you know what? The world is full of crappy ideas.
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I wish I could staple this to the face of, I don't know, everyone
 
It’s been hilarious yet sad seeing Hasbro run Magic: The Gathering into the ground, now it’s hilarious watching Hasbro absolutely destroy the D&D fanbase.
 
Kepler said:
How did they kill the goose?
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Summary.

Basically, the stock price tanked so they looked for new ways to make more money. Saw people making money doing D&D stuff on YouTube and Twitch and said “cool, thanks for promoting the game, we’re taking 25% now.”
 
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