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choripan

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Posts posted by choripan

  1. This sounds like the dealer fucking the finance co since the dealer isn't getting an origination payment for organizing financing, which is often in the hundreds of dollars (can be flat or percentage based and is a big reason why dealers "shop around" your financing application. Piggybacking off the example above, and supposing a wholesale cost of $28.5k and the dealer gets an origination payment/commission of 1%:

    $31.5k @ 6% =  $3k in profit (the diff between wholesale @28.5k/retail)

    $30k @ 8% = $1.5k in profit

    Now suppose you financed through them and got a 1% origination and, say, $200 for every percentage point for marking up the interest rate from a base of 6%.

    $30k @ 8% = $1.5k in profit on the sale + $300 for origination and another $400 for marking up the rate two percent, for $2.2k in profit

    As you can see, they have a variety of ways to structure things to maximize their profit. In this case, it seems like they pushed to maximize their front-end gross but take away finance profits from the lender. Kinda surprised the lender allowed it, TBH.

  2. TLDR: Midwest lack of diversity ain't quite the same as southern white towns.

    ****

    To the fella up there that asked about diversity in the small-town Midwest, I submit this exchange between my very white (actual, not play) farmer cousin and my (black, Houstonian) wife, after passing a bottle of lemon-honeyed Spirytus around for a couple hours:

    Cousin: He'd never be here if it wasn't for visiting us, any chance you'd ever see yourself visiting or living in a place like this?

    Her: Well, no offense, but I like a little more diversity.

    After he asked her what she meant by that, she asked him if she was probably the only black person in the town right then 

    And he hit her with "well, ya know, back in the day, we never imported you guys up here the same way they did down there."

    She said "well alright" in her cute little accent and took a glug.

    Her trepidation up til that point was fair, imo, but since then she's been way more at ease in small Midwest towns and I've noticed her stealing that line at least a dozen times. That's not to say that there aren't some bad apple elements in some towns, but if you're a brown or a black family you'll be just fine if you're not not dicks, especially as religion is now less important and you wouldn't have to pretend to be a Catholic or Lutheran or Episcopalian in order to fit in.

    😄 <-- side note, it autocorrected "C" then ":" to this fuggin smiley face and, after like 2 mins of trying to delete it on my phone, it's just gotta stY.

    • Hook 'Em 5
  3. 37 minutes ago, MC Fresh Breath said:

    I heard that line my whole life it seems.  Turns out there are places where a moderate of snow and occasionally shoveling your driveway beats not wanting to go outside for 6 months out of the year.  Personal preference of course.  
     

    Perhaps eventually this isn’t true, but as it stands now the choice doesn’t have to be blast furnace versus Arctic blizzard.  There are still some nice four season in betweens out there.  

    Having lived in both Austin and various spots in the Midwest, I've really come around on this post recent weather changes. I used to be a "you don't need to shovel heat" guy and lived in apartments with pools and had no kids and all that jazz. Summers in TX weren't as bad and I could always just cool off pretty easily. Now, not so much.

    On the flip side, here in the Midwest you used to have 3+ inches of snow, where you *actually* have to shovel for real, about once a week. Now its just 2-4 times a year with one, maybe two, bad snowstorm(s) of like 6+ inches. Most of the time its <2" and you just do a little path on your sidewalk and approach to your house, so you're not a dick to the neighbors or mailman, but you don't bother with your driveway because it'll melt in a day or two and your car can go over it in the meantime, anyway. 

    Note, though, that this is only in the Chicago and Detroit metros. No clue for places like Minny or Buffalo or wherever. I imagine Buffalo constantly getting bombed with lake effect.

    • Like 2
  4. 14 hours ago, conVINCEd said:

    When I worked in an office I wore one every day.  Working from home I wear one whenever we do anything sociable.  It used to feel weird to not have a watch on, now it feels weird to have one on.

    This. It used to be part of my ensemble and had to work well with my cuffs on my suit and all that.

    Now I mostly wear tank tops and gym shorts and throw a dress shirt and a jacket on when I have a meeting. Would be too much effort to go get my watch from my closet upstairs (Singular "watch." With nowhere to wear them, I've since sold them all but my first one -- which has sentimental value -- including the pie pan constellation that I wanted for so long)

  5. Barcelona for the summer. Dipped out to Paris for a few days last month to avoid Sant Joan, since we have two young kids and my son hadn't yet seen the Eiffel Tower. Kids love their school (casal) since it's in Castellano and not Catalan, and there's a shitload of activities. Babysitters are like 10 euro an hour. Days are free and nights are fun.

    Sounds braggy, but this is the thread for it, right?

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  6. Just now, DefinitelyNotHollywoodColt said:

    I feel like BBS is an internet relic that us olds like but for whatever reason doesn’t resonate with the youngs.

    This. My BIL is a 30yo about-to-be UT grad and he'd laugh his ass off at me if I suggested he check this place out.

  7. As a poor whitey first-gen everything who joined the Army to pay for school and ended up with degrees from three pretty good schools (Northwestern, Michigan, Harvard), I should naturally be against affirmative action *and* legacy admissions under the doctrine of "I walked uphill both ways to school. In snow! You should, too.."

    However, as a dad that's an alum of those schools and whose kids are mixed, I could not be any more *for* affirmative action and legacy admissions.

    Especially if there's scholarship money involved.

    (In reality, I think that Texas' top 10% [is it 7% or something now?] is the best of a lot of tough ways to go about a sticky situation. On one hand, it gets kids who were truly disadvantaged in, without letting in too many Carlton Bankses in. On the other hand, so many spots get taken up there's not a ton of room to let a lot of 3x legacy Chauncey Higgins IVs in.)

  8. TLDR: My $0.02 is that most of these guys are harmless dorks.

    This is a very weird culture. I stayed with my buddy -- played HS sports together, got an apartment together in college, etc., so an old and good friend -- in Medellin in March for awhile and met some folks like this. He's arguably one, with his Venezuelan immigrant gf who has allowed(?) him a one-way open relationship.

    Like 80-90% of the expats are just kinda dorky guys back in the US, Canada, wherever, who are just trying to get laid like the cool guys did back home, aiming to do it for free but paying for it if free doesn't work. Not predators, but just dorks who want pussy and can work remotely or have some money attached aside.

    Like 2%(?) are actually handsome, charming guys just passing thru. 

    The remainder come off as predators.

    I've also spent a good amount of time in Brasil and the Dominican Republic and it was similar. No thoughts on Asian countries because I've never done more than a brief vacation anywhere in Asia.

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  9. Ha. Thanks everyone (and to those that DMed).

    He will plead ignorance -- that he didn't know he could plagiarize himself  -- but that he should have been aware of the policy, in any case. He will maximize contrition and point out that he has no record of academic dishonesty and it's something he never would have done had he known it was wrong, and from now on he'll work to be aware of all applicable rules and regs.

    Guessing he gets something like a zero for the assignment, some sort of wrist slap, maybe has to write an apology letter or a paper on academic integrity or so on. Fingers crossed it's that easy.

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  10. My brother-in-law is set to graduate from UT after the fall semester. Best I can gather, we took a class pass/fail in the fall and passed it, then re-took the class this spring semester for credit. One of the assignments was essentially the same between semesters and he may have reused portions of his work from the previous semester.  It wasn't a midterm or a final or anything, but a garden variety assignment.

    He received a letter from the Office of the Dean of Students alleging a violation of UT's Institutional Rules. Specifically, "11-402(a)(7)(c), [sic: it's actually 11-401(a)(7)9c)] about "self-plagiarism," which reads as follows:

    Plagiarism [is]...when a person submits essentially the same work for two assignments without the permission of the Faculty Member. 

    In any case, he's freaking out since he only has one semester left. 

    Anyone have any experience here? Is this the type of thing where he goes hat-in-hand to the Dean and gets some sort of training under the "Restorative Practices Alternative?" Perhaps he just gets a zero for the assignment or a lowered grade for the class? Is academic probation in play? How about expulsion? I get the sense that the violation is minor enough that a slap on the wrist is warranted, but if his graduation is threatened, I think it makes sense to lawyer up.

    FWIW, he is an older student who left school and started a successful business and who went back to UT to finish his degree out of pride/see-it-throughness and his love for UT. So that pride part would really be upended if he couldn't graduate.

    Any background on likely outcomes, experiences you've had, or guidance in general would be greatly appreciated.

    Thanks!

     

  11. Now away from the MF thread jack?

    What if Zelensky's statement about the counteroffensive is yet another feint, in order to keep the orcs constantly stressed/on edge? Normally you keep these things quiet but I think the Ukrainians constantly talk about it (as well as the allies) to keep the Russians on edge. The Russians constantly think every action is the beginning of a counteroffensive, look at the Telegram stuff posted here.

    At this point, I'm not even certain they will launch one, at least in the traditional sense.

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  12. 1 hour ago, atomheartbevo said:

     

    We saw estimates a few months ago that Ukraine had around 30,000 troops in and around Bakhmut, which means Russia needed well over 90,000 to properly make a run at it.  Russia clearly didn't have the manpower to do that, and so it begs the question of why they kept throwing away troops, even if they were just mobilized with a few days training or convicts fresh out of Russians penile colonies.

     

     

    5iQkHE6.gif

    • Haha 4
  13. 21 minutes ago, Pato del Muerto said:

    Where have you gone, @buymybonerpills our forum turns it’s embarrassed eyes to you. 

    Slava Ukraine. FYI in spoiler to hide something CR-adjacent.

    Sup. I

     was banned years ago because I called a guy out for naming his dog "HeritageNotHate" or something like that. It was before Trumpism, Murderous Cops, and all that BS moved the general tone of the board away from accepting Pro-Confederacy/Anti-Black stuff as that-silliness-over-there to realizing it's something harmful to our democracy and scary/offensive to black folks.

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    • Rage+1 1
  14. Internal Monologue: "Don't go CR, don't go CR, don't go CR."

    *walks up to the ledge*

    *looks over*

    Huzzah(!) for a well-done ceremony, but it'd be nice if they could do it without the heredity title part or, especially, the hereditary obscene wealth.

  15. 3 minutes ago, Bozo_Casanova said:

    Your mom

    So it's quicker than almost everything and an unmodified, stock Model S Plaid did a 7:35 at the Nurburgring, but sure. Not a supercar, because feelings. 
     

    I thought you were being sarcastic or silly in your last post. I've demonstrated that (1) they're not the same category of vehicle in terms of simply slotting/categorizing them (weight, purpose, function, etc.); and (2) the performance isn't comparable to today's supercars for what, you know, supercars do.

    If you have a Tesla and calling it "basically a supercar" IRL helps you get laid or boosts your self-esteem, cool for you. It's simply not a true statement, unless you stretch the statement to it's breaking point and then some.

    If you want the last word, have at it. It's tough to argue with "your mom," which is up there with "because I said so" or "nuh-uh."

  16. 31 minutes ago, Bozo_Casanova said:

     

    And a ‘good day’ to you too, sir

    I stand by it for three reasons

    1) in the hands of the average driver, the Model S is capable of higher performance driving in real world driving conditions than any “true” supercar

    2) no “true” supercar can or should be driven everyday in normal driving conditions 

     

    I wouldn’t buy one, but I get it

    What is the 3rd reason?!?!? If I weren't so lazy, I'd insert the "well, we're waiting" meme here.

    Anyway, point is that the Model S isn't and shouldn't properly be called a supercar or compared to one. Call it a fast sedan. Compare it to an M5 or Caddy CT5-V or whatever. Or better, an F-150 Lightning or one of these other electric torque monsters like the Model S.  But not a supercar. 

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  17. For example, the Porsche Cayenne turbo -- which is an SUV(!) -- is comparable to the Model S Plaid(!) around what's often considered the world's benchmark track, at around 7mins, 35 seconds.

    True supercars can cut about 30 seconds off that, which is a LOT, and get down around 7mins flat.

    The point is, this annoys me because it's a good example of how much of a salesman/huckster that Elon is.

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  18. 3 hours ago, Bozo_Casanova said:

    I understand why people buy the model S. It's one of a kind offering. It's a mass-affluent supercar with daily driver utility. There's nothing else in that category.  
     

    I couldn't disagree more. It is a dragstrip car, akin to a Dodge Demon, and *nothing* like a supercar. IOW, it can go fast in a brief straight line, but is a goddamned dog on a track. So it's a dragster with dated styling and cool tech. The specialist. The kicker or punter of the car world.

    Not intending to call you out specifically, btw. It's a common enough misconception that it's become a pet peeve for me.

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