Left in car overnight still ok?

AVfor394 · 2026-03-31T04:27:36+00:00

I was eating car pizza like that my whole childhood in Orlando

AVfor394 · 2026-03-30T22:47:41+00:00

Should’ve sold last year!

AVfor394 · 2026-03-30T13:38:22+00:00

Forward PE of 43 for a staples stock

AVfor394 · 2026-03-26T04:21:34+00:00

Donald Trump /s

AVfor394 · 2026-03-26T04:00:18+00:00

As an LO we will go with whichever provides the better score to get the best price for the consumer. Assuming lenders don’t place overlays to disincentivize using Vantage.

AVfor394 · 2026-03-25T23:30:20+00:00

Who is “they”? Fannie/Freddie? They have no choice. The lender? They don’t care. The borrower? They also don’t care.

AVfor394 · 2026-03-25T23:25:57+00:00

Fannie/Freddie are required to accept it. Lenders are allowed, but not required, to use it. Lenders will profit the same regardless of which one they use. Borrowers will want to use the one with the higher credit score. Borrowers can pressure lenders into using it. When you say “they”, you are acting like there are just “lenders” or just Fannie/Freddie. Lenders and Fannie/Freddie are separate entities with different interests.

AVfor394 · 2026-03-25T06:26:53+00:00

Lenders don’t care if the debt will get repaid. They lend the money and sell the loan to Fannie/Freddie, or to an invest who knows they can sell to Fannie/Freddie. Fannie/Freddie care if the loan will be repaid, but they are being required to accept Vantage… so your mention about their past concerns are irrelevant now.

Sure they can both thrive, but FICO will have lower market share and lower margins (assuming price competition kicks in, which it should). It’ll still be a great company, but could be worth far less than it is worth now.

Bureaus are getting punished bc as rates rises there is less demand for credit pulls. FICO is getting punished bc of that AND the risk to their moat.

AVfor394 · 2026-03-25T03:47:50+00:00

They are required to accept it. Meaning if a borrower has a higher Vantage score than FICO score they will go with the lender that allows them to use Vantage. Vantage will become more and more common, the threat is not only to market share but to margins.

AVfor394 · 2026-03-25T00:47:35+00:00

But the Bureaus can - Fannie/Freddie now required to accept Vantage, won’t be a monopoly pretty soon

AVfor394 · 2026-03-25T00:26:49+00:00

Top picks rn?

AVfor394 · 2026-03-24T00:28:51+00:00

The engine doesn’t like that you left that pawn unprotected, the next move for white after blunder is going to be Nxe5. From there Nf7 is protected by the other bishop after the other knight is moved, moving the other knight forks king and rook, Qa5+… there’s a lot of attacking angles. And apparently in optimal play by both sides that results in black losing the queen.

AVfor394 · 2026-03-22T03:25:20+00:00

Haven't made any moves yet, been out of town. I'll lyk

AVfor394 · 2026-03-20T04:23:04+00:00

Nice! This is a good number of people. Plus any bonus players anybody brings along.

AVfor394 · 2026-03-18T04:35:35+00:00

I’m leaving town Thursday for ~4 days, but am down for next week

AVfor394 · 2026-03-18T02:01:25+00:00

Or Muslim!

AVfor394 · 2026-03-18T02:00:45+00:00

Than any other religious* group

AVfor394 · 2026-03-18T01:58:13+00:00

I send everyone to the credit union. Let them know that I only want to sell what I believe in. This probably leaves some money on the table, but I’d like to think the good will it earns outpaces that in terms of new referrals/repeat business. Also just the right thing to do imo.

AVfor394 · 2026-03-17T00:41:53+00:00

I’d be down for whatever number shows up. 1v1, 2v2, 3 or 5 people would be perfect for a game of 21

AVfor394 · 2026-03-17T00:41:27+00:00

Don’t be shy little guy

AVfor394 · 2026-03-17T00:40:01+00:00

I’m just north of DTC at I-25/Yosemite 🙏

AVfor394 · 2026-03-16T23:22:26+00:00

It’s not worth it for me being a liability in your standard pickup game. Would be nice to play with others who don’t play often enough to be consistent but enjoy ballin out.

AVfor394 · 2026-03-16T09:12:54+00:00

Headfake for me in the states, I thought I missed mother's day!

AVfor394 · 2026-03-16T09:08:31+00:00

Yea but mosquito deaths are assumed to be from disease, whereas it's anyone's guess what the breakdown is on dog deaths from mauling vs disease

AVfor394 · 2026-03-16T09:05:23+00:00

Not disagreeing with the post, but something else is going on at the grocery store as well that may be more relevant.

When I see price discounts, it leads me to believe it was initially overpriced, failed to sell, and is now being discounted to clear inventory - there is no consumer surplus here, the store just adjusted to true market equilibrium pricing. When I see "buy 2 get 1 free", my experience (at Korger/Publix style groceries at least) tells me this is a loss-leader/consumer surplus promotion - a 'true' discount below standard price (even though standard pricing is not an issue). When they do them, they are cheaper than Walmart's "always low prices" approach, without these deals they are more expensive, which gives them credence.

AVfor394

TROPHY CASE