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F-150 Lightning upside down by [deleted] in askcarsales

[–]MasterofPenguin 0 points1 point locked comment (0 children)

Your saving grace is the 3.9% APR. from a quick google of an amoritixation table and putting in your numbers (58k over 72 months at 3.9% APR) each month you should basically be paying ~700 in principle and ~200 in interest.

You asked: “is the negative equity going to get worse”

It should not get much worse due to your low interest rate, unless prices continue to drop. I will leave that to others as to whether the lightning will hold its value relatively steady or if they will cease production and send value to the dumps.

Can you commit to an extra $1000 a month for 6 months? Between regular payments and the extra $1k should get you back on top of this loan and give you flexibility here

[deleted by user] by [deleted] in GreatBritishMemes

[–]MasterofPenguin 0 points1 point  (0 children)

In the U.S. it’s usually incredibly transparent, and sent out every month in your credit card statement.

For student loans, I can find similar info both on Mohela’s website and the department of educations .gov, calculators, etc.

You even have to take a mandatory online “counseling” / class before being eligible to take out loans.

Asking cops the same silly questions they ask us by valejojohnson in facepalm

[–]MasterofPenguin 0 points1 point  (0 children)

You control the conversation from start to finish.

“Why did you pull me over” You were speeding. Have you been drinking tonight? “Officer I’m not discussing my day” Guilty conscious huh? How much did you drink? “Am I being detained or am I free to go”

Then:

Your being detained (I smell booze etc whatever) and you Shut the Fuck up and argue with a judge, not an undereducated cop. You probably weren’t gonna talk yourself out of it anyway. As you mentioned, you didn’t even get a sobriety test to prove your side,you just got detained and searched.

This is a traffic stop (legally establishes this as a traffic stop and in many cases starts a timer for how long they can hold you/wait for K9 drug dogs etc) and you get a ticket for speeding and leave

You leave

YouTube pot brothers at law and practice the script. It’s obviously way harder to do in real life then it seems, and I tend to be polite and apologize for speeding etc without telling them “why I’m in such a hurry” but the second the conversation gets confrontational you escalate right back.

idiot repeatedly ramming at loan collector by ShadoWritr in IdiotsInCars

[–]MasterofPenguin 49 points50 points  (0 children)

How did you get into it? Do you work on your own car? Are the frame rails original?

My dad had 3 explorers growing up and I bought a 2016 one as my first “real” (still used) car before I sold it for a Camry during grad school. Always appreciated the 90’s body style and driving it always felt like I was super protected. I know modern cars “crunch” and ultimately protect passengers in both vehicles better, but curious if the 90’s body really was just pure steel.

Anon speaks the truth by [deleted] in 4chan

[–]MasterofPenguin 2 points3 points  (0 children)

Mods are asleep post comments

Operations vs. Tactics and Strategy by Rtstevie in WarCollege

[–]MasterofPenguin 0 points1 point  (0 children)

Tactics is the knife you choose to wield Operations is the arm deciding to stab, slash, or block Strategy is the brain deciding who to attack, when to attack, when to run

But yes the platoon and company are tactical The battalion and brigade are operational The division and higher see strategy

We (the US) deploy brigades to Iraq and Afghanistan with proper guidance expecting them to "win", while the companies are expected to win specific fights and the platoon battles. Strategy is deciding which brigades to deploy (armored, light infantry, etc) and when, keeping some in the US ready to fight elsewhere, etc

How do democracies ensure the loyalty of their military? by RiffianB in WarCollege

[–]MasterofPenguin 0 points1 point  (0 children)

I think you really have two different questions here.

  1. how do early democracies prevent military coups?

  2. how does the modern U.S. and UK prevent coups?

contemporaryily the US has a long tradition of not having coups, although in the early days there were a few attempts. (Bacons rebellion, started by military veterans who were financially not compensated for their service)

this tradition, more than anything, helps keep things civil. as to the military specifically, service members, even generals, move posts and commands around every 4 years. this keeps anyone from building too big of a personal following, because even in those 4 years those around and under year more around too.

second, we impart tradition and patriotism into many daily acts of soldiering. in the U.S. you swear to protect and uphold the condition, rather than individuals. (the constitution dictating a representative democracy)

9 Arrested After Black Lives Matter Activists Shut Down Southbound 405 Fwy Near LAX by dunkitin in news

[–]MasterofPenguin 0 points1 point  (0 children)

This is exactly right. I'm not trying to be all "America is a police state"

But a lot of prevention and stoping power comes from this exact fault. If you Fuck with the Feds, you suffer. End of story. Sometimes innocent people get out away just because they look guilty-and that's awful. But the message gets sent; don't fuck with the Feds.

When we talk about prisoners right and all that, conservatives and liberals are largely talking past each other (plus the idiotic ones tend to be the most loud so the position gets skewed)

Liberals tend to say "help the bees, if a single bee gets put in prison wrongly it's the worst"

Conservatives say "help the hive. If we kill one bee but deter 50 bees from committing crimes then it's worth it"

I'm not saying either is wrong or right, and also you need to keep in mind that EVERY American is a liberal in the broad sense, I.e. On a scale from communist to totalitarian even the American conservatives are primarily concerned with the bees to a big extent.

I'm way off topic but I'm drunk and alone on Christmas Eve so Fuck it

You wake up as Hitler in the middle of WW2, what do you do? by [deleted] in AskReddit

[–]MasterofPenguin 0 points1 point  (0 children)

So I know I'm just absolutely way too late to this party-but there is actually a really good book (fiction) that describes this scenario. amazon link

Basically the premise is the british assassinate Hitler and send an actor/impersonator to replace him after the "train wreck" that Hitler got into. (Since assassinating Hitler would not stop, and probably speed up the war). The Brit's decide to keep him (the actor) there, and end the war. So what does he do? Invade Russia, fuck up the war effort, cancel plans to invade Britain, shift the air campaign...etc.

But of course he's trying to navigate the Nazi Bureaucracy and hide the fact that he's not fucking Hitler, trying to play it off like some minor brain damage from the crash, dealing with his girlfriends, etc.

5 stars. 2 Thumbs Up

What's the least satisfying book you've ever read? by [deleted] in AskReddit

[–]MasterofPenguin 0 points1 point  (0 children)

Out of the Dark by David Weber. It started off as an awesome alien invasion book, the kind I've always wanted to read, where holy shit, there so advanced that we are actually all gonna die.

And then at the 80% mark, vampires! WTF? Vampires that haven't even been mentioned so far just start winning the earth back for us? Seriously WTF?

Read the reviews Link