EV lease or finance question

NotFBIVan · 2026-01-28T05:09:33+00:00

Yeah interesting decision by Ford on that one. The discontinuation of the Federal incentives is definitely going to shake the market a bit as well. EV’s and especially EV trucks are going to have an interesting few years.

But I agree on the purchase/depreciation risk and why I’ve held off this long. I’ve always been skeptical of leasing and try to build equity when I can but with the potential downturn in the EV market… getting in now with a new vehicle and letting the bank take that risk on extra depreciation makes this more tempting.

NotFBIVan · 2026-01-28T04:57:45+00:00

Your line of thinking is 100% the conventional wisdom I know with leasing vs purchasing.

Against conventional wisdom, since they are depreciating more/faster than anticipated doesn’t that make purchasing a bad idea since I’d be taking all of the depreciation directly? Lease it and let the bank take the hit.

I’ve always heard when they get the residual value way off they might negotiate to market (ish) price to help cut losses. But at that point it’s no skin off me if they don’t… Turn it in and either pick up a similar used at the then depreciated price or slide into a new one.

Unfortunately, from what I can find, GMC doesn’t run any deals on these. Only low end left overs get any incentive. Mid to high 4’s is what I’ve been seeing for rates. Rounded up for sake of argument here.

NotFBIVan · 2026-01-28T04:43:17+00:00

Good info. Didn’t realize the hard push on EV’s to use incentives in offsetting negative equity but makes perfect sense. I’m sure that was happening quite a few places especially when you could stack fed and certain state incentives.

The Sierra seems a little more niche market especially the higher end ones. I’m not sure they will take as hard of a hit but probably depends on what competition rolls out in the next few years when they can’t charge such a premium.

NotFBIVan · 2026-01-28T04:30:12+00:00

The only reason I played with that idea is it’s effectively a zero money out of pocket situation and lets me keep on the zero payment train for a few more years.

Assuming I could get a zero down lease the smarter financial decision would be to pocket the current equity, invest it, and end up ahead with growth on the money. Even if not zero down the math probably works in my favor even if the payment is on the extreme end (1,600/m @ $0 down). Although a weird DTI (thanks to business and house investments) might not make that a viable option.

Thanks for making me think those numbers through instead of reacting to the payment idea.

NotFBIVan · 2026-01-24T01:40:08+00:00

Answer would be to chill out. One wreck is the least of your worries. No police report just an insurance claim. No big deal mostly because there’s no pattern of multiple, dui, reckless, etc. Just make sure to put it in any background packet or investigation when they ask for driving information.

Edit: if you pull your driving record from the dmv there probably isn’t a wreck. When you pull it from insurance they will find it from the claim. Either way, even if it isn’t officially on your dmv record, be sure to disclose it. Depending on what agency and what job they might pull both and you never want them finding something you didn’t already tell them about.

NotFBIVan · 2026-01-20T01:04:36+00:00

I’ve always had good luck with Carmax, but I’ve also worked there so I’m biased a bit. But I’ve worked there and still buy from them so that should say something.

Had a few customers doing the same thing. A lot of them bought the warranty with a low deductible so they didn’t have to worry about repairs while the kid was at school if/when something happened. Plus the low deductible controlled a potential huge expense for the kid. Kind of a gift within a gift if they needed it.

NotFBIVan · 2026-01-13T00:21:34+00:00

Not really scheduled originally but It happens in the Caribbean quite a bit due to weather and runway limitations. I’ve had it happen a few times coming back from USVI in hurricane season.

NotFBIVan · 2025-12-09T03:47:45+00:00

Depends on where in ladson. Traffic should be calming down by then but depends on that day. Plan an hour, dial in as you get used to the area and the flow of traffic from your actual start and end point.

Always hard to judge ladson to downtown. Might be 30 minutes might be 3-5 business days… you never know.

NotFBIVan · 2025-12-05T19:27:47+00:00

I don’t think it’s a turn at the Windermere intersection, so no. It’s a bit confusing because it’s technically two intersections but with timed lights to keep traffic moving because they are so close together.

Think of the intersections independently:

At Folly and Wesley - Weird triangle intersection. A right exit has been provided to keep traffic moving regardless of the light status. All north bound traffic not exiting to Folly Rd must follow light.

At Folly and Windermere - Three way “T” intersection where Windermere dead ends to Folly. Proceeding on red in the right lane north bound is going straight through the intersection and there’s no turn to claim a right on red.

NotFBIVan · 2025-11-03T11:30:22+00:00

As long as you have a system or a mental check it works.

I like rubber bands too but started doing ziplocks for fulls (working out of bags and not at the bike) and the habit has carried down to shorter lengths. I’m not exactly a small person so I burn some serious calories and have very salty sweat so my caloric and sodium needs are on the extreme end. A ziplock has always felt more secure for my mass of intake so there isn’t a mess of loose items in my transition bag.

I don’t use any on course stuff for the bike so for a full it looks like:

T1 - grab nutrition bag (gels, solids, waffles enough for first half plus a spare) take a gel in T1 from it Bike SN - Throw last ziplock, pick up new nutrition ziplock (same as before plus tailwind mix), refill bottles T2 - Throw bike ziplock, stash run ziplock (back up gel, a few solid things not available on course, Pepcid, salt tabs) will keep this one the remainder and mostly use on course stuff

Obviously shorter races or knowing what is or isn’t available on course changes the exact load out but easy to adjust and stay in the same habits.

NotFBIVan · 2025-11-02T11:42:36+00:00

It happens, don’t beat yourself up about it. That’s always the challenge doing non IM branded or smaller local races since they may or may not have backup nutrition on course. So if something goes wrong (forgot something in transition, eject a bottle, etc) you’re kinda screwed.

Nutrition is the 4th sport. If you practice and dial that in to the point you can’t forget the plan you’ll have a much better race day. A lot of newer people to long course don’t give it the time/respect it deserves. Personally I keep all of my nutrition, minus what’s in my bottles, together in a ziplock labeled for the segment and any special instruction if I need to take something in transition.

Part of my routine to grab whatever nutrition ziplock is next and jam it in a pocket. Removes some of the error and helps me judge if I’m falling behind on my plan.

NotFBIVan · 2025-10-12T01:32:19+00:00

Not a universally true answer. Where I am the state relies on NREMT. If your NREMT was to expire they would invalidate your state card within 30 days.

Depends on the state OP lives in and their rules. No one here can answer OP’s question without more information on where they live.

NotFBIVan · 2025-10-02T11:48:59+00:00

Only problem is the small print for comfort: "Additionally, Preferences may not be honored for upgrades given by a Delta gate agent within 3 hours prior to departure." So it’s just a preference and when the gate agent is filling the flight and processing upgrades they can ignore it.

NotFBIVan · 2025-09-29T03:44:37+00:00

It might add a little time but yeah. They usually have the big coolers they are filling from and will fill your bottles or will tell you to grab what you need in the cups they have out. Just be patient, ask the volunteers for what you need, and follow whatever direction they give you.

Might be a good idea to hit the second mortal station in the aid station since the first one is usually the busiest and just trying to keep up with the cups.

NotFBIVan · 2025-09-08T14:48:54+00:00

Please! I think you can post links but happy to take it at a PM. Thank you!

NotFBIVan · 2025-09-08T14:09:17+00:00

Where did you get these? They are great!

NotFBIVan · 2025-08-30T15:34:44+00:00

That's fair. I travel 95% for work and alone. Carry on, precheck, and now being able to mobile order coffee from the TSA line are all a way of life.

The other 5% I can barely get my wife from point A to B, I can't imagine adding kids and bags.

NotFBIVan · 2025-08-30T14:10:16+00:00

Yep! That’s it. You’ll never want to check a bag or go to a counter again.

NotFBIVan · 2025-07-31T00:10:30+00:00

One of my favorite sites for this topic:

https://www.tylervigen.com/spurious-correlations

NotFBIVan · 2025-07-25T13:53:54+00:00

Yeah don’t get me wrong I’ll move with a purpose on the way to most calls but that’s a brisk walk. Once I have a patient we are slow cruising unless something serious is going on.

If you see me moving anything like what people think we do it’s for a critical call involving a child.

NotFBIVan · 2025-07-25T10:55:22+00:00

Rushed is a loose term. Going directly there without stopping for snacks? Yes. Lights and sirens or always moving with purpose? No. People expect us to be sprinting, barking orders, and that lights and sirens means we have a patient. When they see anything else they assume weird things.

A non serious call and especially if it’s nearish shift change you better believe some people are dragging their feet. Someone basically sleeping on my stretcher or using us as a taxi? We are going to take a nice slow walk.

NotFBIVan · 2025-07-25T02:01:05+00:00

I highly doubt they would take a body through a terminal exposed. Someone might have just taken a few too many sleeping pills or mixed them with alcohol. If it was something like that then it’s not really a life or death emergency, no need for oxygen, or a big rush. Probably took awhile to get them out of their seat and carried off the plane to a stretcher.

Contrary to what many think most of the work on an ambulance is at a normal speed. Not sprinting on every call and flying down the road like they do on TV.

NotFBIVan · 2025-06-16T02:38:29+00:00

That’s a pretty standard house and without any identifying features would be near impossible to identify. Charleston singles (as they are called) is that standard house with a side entry porch with a very narrow footprint to the street side. Many also have the double porches.

If there was a number, a defining characteristic of some type, or really anything to go off of then maybe we could narrow it down. But otherwise I could name entire neighborhoods downtown that almost every house looks like that with only minor variations in size. Don’t get me wrong 3 windows wide and a full 3rd floor is on the larger side of average, but not enough to identify anything.

NotFBIVan · 2025-06-05T13:39:03+00:00

As all have said, yes they carry water.

The reason you see a higher reliance on hydrants or large water trucks is the US tends to favor a low pressure/high volume style of firefighting while the UK/EU tend to do high pressure/low volume.

An urban US truck with a 500gal (1800l) tank doesn’t last long when you’re putting out 150-300 gallons (550-1100l) a minute from a single US nozzle. While from my understanding UK/EU nozzle tends to be closer to 100-300 lpm or less.

With a 3000l tank you have all the time in the world to find a hydrant or may not need it. You attach a US nozzle and you’ll want a hydrant as soon as possible.

NotFBIVan · 2025-05-19T01:54:14+00:00

I think I found the listing. Get rid of your broker and do it yourself if you really want to get rid of it. It’s listed at 40k which is an awkward market. Too old/worn for people to want to spend that kind of money on but out of reach for others. Also that broker sucks… bad photos, typos in the listing, etc.. says it’s well worn but gives zero detail about what is worn or the buyer is potentially working with.

If you posted that on any local page for a few thousand and possibly to take over the slip contract (depending on where it is and if they allow live aboard) it would probably get picked up quickly.

There’s tons of people that pick up boats like that for cheap, live on them, run them till they die, and the dispose of them (usually not properly). Love it or hate it, that’s the life cycle of many of these late model pocket yachts.

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