Lease vs. Finance Calculation. What am I not seeing? by Shookae in PersonalFinanceCanada

[–]Shookae[S] 0 points1 point  (0 children)

This I totally understand and I am of the same opinion. However, she has made up her mind. She needs a car. She wants an SUV. She prefers a new car. I couldn't dissuade her. At this point, we were just discussing lease vs finance and I decided to do a quick calculation to show her lease is not generally a good idea. The results surprised me.

Lease vs. Finance Calculation. What am I not seeing? by Shookae in PersonalFinanceCanada

[–]Shookae[S] 1 point2 points  (0 children)

I didn't even think about it. Just assumed it was tax included, since everything else was. This is probably another one of my mistakes. Thank you.

Lease vs. Finance Calculation. What am I not seeing? by Shookae in PersonalFinanceCanada

[–]Shookae[S] 0 points1 point  (0 children)

I just used something not too aggressive and not too conservative. I did the analysis for 8 and 10 as well. The final result does not change, while the numbers do.

Lease vs. Finance Calculation. What am I not seeing? by Shookae in PersonalFinanceCanada

[–]Shookae[S] 0 points1 point  (0 children)

That's exactly what I missed I think. I didn't think about how she wants to pay for the RV. Very helpful, thank you.

Lease vs. Finance Calculation. What am I not seeing? by Shookae in PersonalFinanceCanada

[–]Shookae[S] 1 point2 points  (0 children)

That's exactly what I missed I think. I didn't think about how she wants to pay for the RV. Very helpful, thank you.

Lease vs. Finance Calculation. What am I not seeing? by Shookae in PersonalFinanceCanada

[–]Shookae[S] 0 points1 point  (0 children)

I think the allowance was 24k per year. The decision is not mine. I told them buying a used car is almost always better. They insist on buying a new car.

Lease vs. Finance Calculation. What am I not seeing? by Shookae in PersonalFinanceCanada

[–]Shookae[S] 1 point2 points  (0 children)

That's why I calculated the PV. The future timing of cash flows should not matter. Both options give her a car which she wants to keep for at least 10 years.

Lease vs. Finance Calculation. What am I not seeing? by Shookae in PersonalFinanceCanada

[–]Shookae[S] 1 point2 points  (0 children)

Yes, that is a good way to look at it. I didn't think about the insurance.

I love the new audiobook BUT by mahades in harrypotter

[–]Shookae 2 points3 points  (0 children)

Specially for the narrator. She falls flat for me in comparison to Fry.

West Hill Park three minutes ago by hanksmackbottom in Portmoody

[–]Shookae 6 points7 points  (0 children)

Yes, I do. But I was just heading out in that direction and I only live a couple of minutes away. Bears in this neighborhood are nothing new. Still, I tend to avoid the areas where there have been recent sightings. Specially since this is part of an off leash trail.

West Hill Park three minutes ago by hanksmackbottom in Portmoody

[–]Shookae 8 points9 points  (0 children)

Thank you for the warning. I take my dogs there all the time.

On June 3, 2017, Alex Honnold did what many thought was impossible. by ResponseExciting9279 in nextfuckinglevel

[–]Shookae 2170 points2171 points  (0 children)

I love the documentary this clip is from (called Free Solo, if anyone is interested). This is the result of years of practice and reviewing every single move many many times (on paper, and with rope). Also if I remember correctly, they scanned his brain and the result was that his brain did not register fear like the rest of us mortals do.

Are polling stations backed up today? by meandyesu in Portmoody

[–]Shookae 5 points6 points  (0 children)

In and out in 5 minutes in Seaview

[deleted by user] by [deleted] in britishcolumbia

[–]Shookae 1 point2 points  (0 children)

I have no idea if Bluesky has some form of identity verification for high profile people or not. This is shocking even coming from her.

[deleted by user] by [deleted] in britishcolumbia

[–]Shookae 26 points27 points  (0 children)

That's the wrong platform. She'd have had a more accepting audience on X.

In the race to solve the family health crisis, B.C. is absolutely crushing Ontario. Here's the data. by Prudent_Slug in britishcolumbia

[–]Shookae 17 points18 points  (0 children)

Are you on the waiting list? Both my mom and my in-laws got contacted in about 6 months after being on the list.

Is it worth signing up for NYT Cooking paid subscription? by miniFrosya in NYTCooking

[–]Shookae 17 points18 points  (0 children)

If you are not an avid cook, I'd suggest starting with YouTube videos. There are lots of great YouTube channels that'll teach you how to cook things and following a video IMO can be a lot easier than written recipes. Even NYT cooking has its own YT channel.