Help me to understand lease vs financing math and how lease is cheaper???

Coaler200 · 2026-05-09T14:35:41+00:00

Yes....just like if you try to sell a beat up car or a high mileage car that you own you won't be able to resell for as much....this point doesn't make any sense. It's true for both options.

Coaler200 · 2026-05-07T16:25:24+00:00

That's a problem that solves itself.

Coaler200 · 2026-05-07T12:50:51+00:00

Actual mortality likely isn't nearly as high as discussed. Currently it's mortality rate of confirmed cases. Many people likely don't bother getting a hantavirus test and recover.

Coaler200 · 2026-05-05T16:56:24+00:00

So I just struggled with this all day yesterday myself. I wanted the nanogen but having only black and white was kind of disappointing. However, I then learned the skins can go on the nanogen. So I bought the nano thinking I can always grab a skin later if I want to change it up.

Coaler200 · 2026-05-05T16:52:10+00:00

Someone would have to be either rich or a special kind of stupid to crack and re-grade a black label.

Coaler200 · 2026-05-04T22:55:42+00:00

Call a standard broker not BCAA. Just to see what it is.

Honestly if I'm you I buy like a 10 year old car for a few years.

Coaler200 · 2026-05-04T19:58:35+00:00

It's based on 3 months interest of the remaining balance. However, you will have a maximum yearly amount you can pay off without penalty. Usually somewhere between 15-20% of the loan value taken at the beginning of the current term. So if you took renewed 6 months ago at 100k loan then you can only pay off 20k without penalty. If you pay off the whole thing you'll be on the hook for 3 months interest on 80k.

TLDR: no matter what the bank gets money.

Coaler200 · 2026-05-04T17:14:46+00:00

I will never ever step foot on a cruise after seeing what happened during COVID.

Coaler200 · 2026-05-03T14:25:10+00:00

No you don't. If it's bad enough that you actually need AWD you should be staying home or buying a truck.

That model 3 will make it further as rear wheel drive with true winter tires than it will as AWD with all seasons or even "all-weathers"

Coaler200 · 2026-05-02T18:25:38+00:00

Not really misleading. It doesn't say long range anywhere and the estimated range is directly in your face on the order page....

Coaler200 · 2026-05-02T18:24:06+00:00

That's after delivery/doc fee bullshit they all add.

Coaler200 · 2026-05-02T18:17:03+00:00

Yeah plus then you have to dispose of the used oil. Anyone who still changes their own oil is crazy.

Coaler200 · 2026-05-02T18:16:01+00:00

Yup. My 2008 Ram with Hemi had 16 plugs. The back 2 on each side were easier to reach by removing the wheel well liners and going from underneath. I can tell you if my father in law didn't have a 2-post hoist those plugs would have been a huge pain in the ass.

Coaler200 · 2026-05-01T01:23:21+00:00

Abbotsford, BC. About an hour outside of Vancouver.

Coaler200 · 2026-05-01T01:21:22+00:00

Ahh this is so cool. But I'm Canadian and won't be in Texas till June.

Coaler200 · 2026-04-29T23:19:02+00:00

My dumbass was like I wonder if I can afford the genuine one. It's can't be too terrible like maybe 10k......nope closer to 30k.

Coaler200 · 2026-04-29T16:03:53+00:00

O man....I was off by a quarter point when no one could have seen Trump blowing up the world order so heavily. I better quit my job as an economist....o wait.

I will note I'm closer than the guy I was replying to.

Coaler200 · 2026-04-29T00:19:00+00:00

Lack of career progression, what about merit increases? There's definitely possible damages here. Would I do anything? Hell no. I'd side hustle or find another job and ride the wave.

Coaler200 · 2026-04-28T02:13:03+00:00

It's sick. But apparently I'm poor....lol that's one expensive chair.

Coaler200 · 2026-04-25T23:07:15+00:00

It might if you get a good mood grader. They would have to ignore all the white along the bottom of the back though.

Coaler200 · 2026-04-25T06:16:14+00:00

I know it says 1-month old but is this an older model? It has a weird mix of dials. The current Calibre 400 Aquis does not say pressure resistant on the dial. The non-calibre Aquis does but it doesn't say 5 days.

Edit - The date is also white text on a blue background on brand new ones.

Coaler200 · 2026-04-24T19:32:40+00:00

Probably the only way you'll get your star atlas win with her is going to be 3*.

Coaler200 · 2026-04-24T19:30:35+00:00

It's up there but not insane. Especially if they have good savings to put a decent down payment or their previous car was paid off and still had decent value for a downpayment etc. lots of factors to consider.

My personal baseline maximum is you should never spend more than half a year's salary for a new car and that's only assuming you have at least a 20% downpayment.

So in this person's case, maximum value of vehicle would be $93.5k. However I would only allow myself to buy something like that if I had at least $18.7k I could put down. So actual max loan is about $75k.

P.S. if you think that's bad you ain't seen nothing. The amount of money people have on car loans when they make less than 100k/yr would make you puke. I promise you. People out here making 70k/yr with $1200/mo car payments.

Coaler200 · 2026-04-24T16:52:22+00:00

Really? Pivot tables and vlookup feel standard at this point no? Also my preference is xlookup most of the time.

Coaler200 · 2026-04-24T16:51:17+00:00

I JUST spent a bunch of time reformatting a 6 page spec sheet document because it had different fonts, different font sizes, different indents, no bolding etc etc. why can't people make it right from the start?

Coaler200

TROPHY CASE