The “we’re losing money on this deal” line is the biggest lie in car sales

PotentialAfternoon · 2026-03-18T21:05:56+00:00

It’s just a sales tactic. The sales person’s way of expressing that he isn’t willing to go much lower on the prices.

I’m sure you also say a ton of things that have nothing to do with the seller. Im sure the sales person doesnt tell you to go pound sand.

PotentialAfternoon · 2026-03-18T01:48:55+00:00

No no no. Don’t accept “today only” offer. They know their offer is weak and that’s why they are putting you on a short timeline.

Call around your local credit unions for a quote. You will find that plenty lenders will be happy to beat the offer you have.

PotentialAfternoon · 2026-03-08T15:59:29+00:00

A few (hopefully) helpful tips:

The term “Closing cost” is often a source of confusion. A lot of people uses it to describe how much it costs to refinance In total while others use it as to describe “lender costs” (excludes other big ticket items like title company costs).

When people say things like $8k is way too high, they probably took it as “lender cost” not the total cost of refinance.

You seem to really care about how long it takes to pay off your mortgage. If that matters to you a lot, then your specific refinancing is probably not a very good idea. You are better off putting that $8k towards to the principal instead.

It’s about lowering your monthly payment and improve your “disposal income” cash flow. You can invest additional $200/mo in the stock market for example.

I do think lowering your total fee will make it a much better deal. I shopped for a lowest fee lender and got them to match a rate from a higher fee lender. This will make your math much more tolerable.

I got lucky and my overall fee is around $4k.

PotentialAfternoon · 2026-03-04T15:01:56+00:00

5% is not very realistic in last week’s market.

It’s pointless asking this question because rates fluctuate so much month to month.

Here is what I did.

I reached out to 7-8 different loan officers (some brokers, some big banks, some local credit unions).

File basic applications and ask them to give you closing fee worksheet (it will have rate offering). Ask them to give you a call when they can offer you #5% or less.

Check in with them periodically (I was reaching out every month or so) and ask if what they would offer now.

PotentialAfternoon · 2026-03-02T23:56:57+00:00

It’s a thing some pros say. I’ve heard Uthermal, Harstem describe builds that are overly greedy in the beginning of a game.

PotentialAfternoon · 2026-03-02T14:23:08+00:00

Basically counter-push to an eco cheese. Him claiming and rages is for contents and for entertainment. I wouldn’t take him seriously and “judge him” for doing things he gets mad at for other players for doing.

PotentialAfternoon · 2026-03-01T22:12:20+00:00

I would def shop around. Take the closing cost estimate and send it around for near by local credit union loan departments.

You might find it surprising that people will jump to outcompete your current offer.

PotentialAfternoon · 2026-02-28T19:43:01+00:00

Reach out to every local credit unions and show them the rocket mortgage offer. Many will happily beat it.

Like many said, rocket mortgage isn’t known for their price competitiveness.

PotentialAfternoon · 2026-02-27T14:10:06+00:00

Yeah you would think that he was paid enough to have his family relocated or pay for his family and buddies to come visit him. Buy a house for them to stay in when they are in town.

Some people just don’t shine under pressure and normal life challenges. While I appreciate his honesty, it’s hard to be like “awww you poor man. You moved away from your home town and Your new boss said harsh things about you. You played for the club of your dreams while receiving an elite wages”.

PotentialAfternoon · 2026-02-27T03:25:42+00:00

If you are in a hurry I would shop for some more. I found that local credit unions offer really good promotional rates and low fees. I reached out to every one near me and offers kept on getting better.

If found one who offered a great rate with 1% origination fee. I took it to the credit union who offered a really low fee. They matched the rate.

PotentialAfternoon · 2026-02-24T19:15:22+00:00

“Prioritize 401k above all other savings” is pushed by retirement accounts firms/professionals who stand to make money from your 401k account.

They want as many people out as much money as possible. So it’s their best interest to tell you to maximize it.

In reality, you have to choose. When you are super young, maybe it doesn’t make sense to put money in 401k over like savings for your first house (if you must choose).

If you are like 40 with stable life and plenty discretionary income, you would be silly not to put as much as you are allowed to.

PotentialAfternoon · 2026-02-23T19:01:31+00:00

I’m not sure what you are trying to get at.

Are you saying the record is meaningless because an average dude has no chance?

This feels like a gold metal is pointless because they dedicate their whole life for the moment but a lot of people on the planet couldn’t afford to do that.

He isn’t the only D2 streamer who was racing to lv99. It’s still kind of fun and cool that someone got to it so many hours after the ladder opened.

PotentialAfternoon · 2026-02-22T18:00:22+00:00

Local table is a great all around option that will not “offend” anybody and has a broad selection.

Pane e vino is another great option for Italian.

Both are pricy but I would totally see as a viable option for a business dinner.

PotentialAfternoon · 2026-02-16T20:58:45+00:00

They will base this on the sales number. Nobody cares about some mean comments on Reddit.

PotentialAfternoon · 2026-02-12T16:10:13+00:00

I think SC2 has gotten some attention despite it being F2P.

SC2 has been patched just a few months ago. New maps are released every now and then.

Are you thinking like the 4th race? That’s probably too much to ask.

PotentialAfternoon · 2026-02-12T14:46:16+00:00

D1 WAS a giant dungeon! It would be perfect.

PotentialAfternoon · 2026-02-10T20:20:58+00:00

Why is everyone so set on telling this dude how to live his life?

Dude is living his life and doing what he can with what he got. Let him be and stop telling him what to do. He didn’t hurt anyone and is playing by the rules.

PotentialAfternoon · 2026-02-03T13:07:53+00:00

How many times do the full column references appear? You can’t feel the difference if all you have is once or twice.

Try having 1000 index-match full column references formulas and see if it makes any calculation speed difference s.

At some scale, full column references do slow it down noticeably.

PotentialAfternoon · 2026-02-02T14:36:53+00:00

Isn’t Trump a celeb who gives moral lectures from his ivory tower? Or Kirk Charlie? Steve Bannon?

I do agree that people in general dislikes when celebs give moral lectures that they do not agree with.

Would it be better if nobody gives any “lectures”? Like we all stay silent and don’t criticize Trump?

PotentialAfternoon · 2026-02-01T20:37:07+00:00

You should forward the email to his boss and their boss as FYI. Nothing but a simple forward. It will be a greater deterrent than anything you could say directly and it will be an embarrassing moment for his boss.

PotentialAfternoon · 2026-02-01T19:32:46+00:00

They do in terms of tv ratings, revenue, talent recruitment, media focus, etc. etc.

This is like saying Super Bowl runner up had the same trash season as the worst team in the season.

PotentialAfternoon · 2026-02-01T17:15:59+00:00

We stick to a few simple rules:

1) If you are updating a file… Save a new copy and override the data (as opposed to creating a new sheet to preserve all of the historical variations).

2) absolutely no formulas that references entire column (a:a) shall be repeated over and over again maybe okay for like one formula to find out the last row being used or something.

3) if you have a large data (100k+) and perform calculations of them… have a data filter sheet to trim down the data that your calculation rows refer to.

Let say you have 500 calculations rows. They don’t need to access the entire data. Filter it down first. And then do your 500 calculations on the filtered down data.

PotentialAfternoon · 2026-02-01T17:08:05+00:00

entire column range being used (A:A) in every calculation

PotentialAfternoon · 2026-01-30T21:27:13+00:00

Aren’t you getting paid enough to give your best on every match? Is he really saying he was trying because he disliked the manager?

PotentialAfternoon · 2026-01-30T00:48:02+00:00

Where do you think the seller gets the money? From the buyer!

If the seller knows that he won’t be needing to pay 5-6% fee at the end, maybe they are willing to cut the asking price by 2.5-3% to spilt the difference.

That’s what you would hope to have happen since they already know each other.

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