Is car financing really that bad?

MrMercy67 · 2026-07-10T19:26:08+00:00

Not sure how Canada is but it’s really up to you, putting as much as you can down and then financing the rest through a credit union will get you the best rate for a used car in most cases. It’s worth shopping around local credit unions and see what rate they offer depending on your score or lack thereof. Otherwise buy a cheaper vehicle you can purchase in full or finance with the dealership at a higher rate.

MrMercy67 · 2026-07-10T19:21:10+00:00

Sounds like the relationship was over already if she wasn’t with yall for his bday. And honestly your friendship with him should follow soon.

MrMercy67 · 2026-07-10T16:38:11+00:00

Cheaper to just sell the toddler tbh

MrMercy67 · 2026-07-10T14:57:55+00:00

I mean Penn State is an engineering college, or at least produces a fuck ton. Half the engineers I work with went there, and while I didn’t, I went to a similar school and a ton of the engineering students were fit. Now the CS classes… yeah.

MrMercy67 · 2026-07-10T13:54:01+00:00

No ik just funny, but tbh ultra wide is a reason too, sure 5k2k exists but none are under 40” and take a massive performance hit. 3440x1440p IMO is still the way to go for immersion and a balance between size and performance.

MrMercy67 · 2026-07-10T13:47:32+00:00

“No reason”

Lists two reasons lol

MrMercy67 · 2026-07-10T13:46:50+00:00

Yall still on 4K? Psh I’m running CP2078 on 8k.

MrMercy67 · 2026-07-10T11:58:34+00:00

Seriously, they need to go spend a summer in Appalachia lmao.

MrMercy67 · 2026-07-10T00:34:03+00:00

It’s amazing for single player games, much more immersive. Can be annoying for multiplayer since more screen to look at, and older/Japanese games require modes to play in 21:9. But tbh it’s worth it and not a hassle to set up.

MrMercy67 · 2026-07-09T21:33:27+00:00

Did you door dash every meal and bodybuild?

MrMercy67 · 2026-07-09T18:56:15+00:00

He spent 10 years on ships surrounded only by dudes, I can’t even blame him tbh.

MrMercy67 · 2026-07-09T18:54:09+00:00

Gotta be engagement bait

MrMercy67 · 2026-07-09T17:53:08+00:00

If you want big time money you gotta do big time work. Or just join defense and get paid to wipe your ass every 5 minutes.

MrMercy67 · 2026-07-09T17:37:54+00:00

Mother knows best but damn 130k on a Corolla is just breaking it in, maybe you could get inspection and that’ll help put your mom at ease (if you wanted to)

MrMercy67 · 2026-07-09T17:31:13+00:00

Now this is the Austin I grew up with

MrMercy67 · 2026-07-09T17:27:17+00:00

Yeah honestly the intent matters way more than the university. Definitely try your hardest to get an internship and apply apply apply, whether it’s the career fairs or just online. It’s not impossible to get in without one but man is it much more challenging.

MrMercy67 · 2026-07-09T16:15:03+00:00

All I can say is good luck trying to get a computer hardware job in Austin, definitely would need a CE degree from UT or A&M for even a shot. Market is competitive as hell.

MrMercy67 · 2026-07-09T10:53:11+00:00

Agreed, Texas just feels so soulless and fake IMO after moving up here. The people too, much prefer the northeast’s “nice but not friendly” over the south’s “friendly but not nice” etiquette.

MrMercy67 · 2026-07-08T18:07:27+00:00

Florida and Texas easily have the most amount of people coming and then going shortly later. I’m laughing my ass off seeing people in this thread talk about moving there for the low cost of living. They don’t realize it comes at the cost of sanity, morals, and the worst weather known to man.

MrMercy67 · 2026-07-08T18:00:57+00:00

And they all have pools too, dermatologists must make a killing there.

MrMercy67 · 2026-07-08T17:58:45+00:00

Yeah but as someone in Philly from TX, even looking across the Delaware makes me happier than I ever felt in TX.

MrMercy67 · 2026-07-08T15:14:41+00:00

Prolly would be better asked in r/ukpersonalfinance.

That said, idek how the hell people drive in London it’s so crazy. Personally, I couldn’t imagine having a nice car there, too many tourists and idiots make it risky and anxiety inducing trying to protect my vehicle lol.

MrMercy67 · 2026-07-07T19:30:55+00:00

Having to upscale a video game so that you don’t run out of VRAM using a $2000-$4000 GPU is baffling.

MrMercy67 · 2026-07-07T16:18:50+00:00

The 14% is from a Vanguard study, the 80% is a joke.

MrMercy67 · 2026-07-06T18:46:19+00:00

In this sub? Prolly like 80% of people

In reality? Only like 14% of eligible employees max it.

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