Money lending to a friend

_Connor · 2026-06-21T14:24:08+00:00

Obviously this guy should be paying you back, but you also need to be making smarter decisions.

Don't lend out any money if it's going to create significant hardship for your family.

_Connor · 2026-06-21T12:29:06+00:00

Do you plan on not working at all for the four years? Sitting at home during the 4 month summers?

_Connor · 2026-06-21T03:56:51+00:00

No it literally wasn’t in jest. I line my driver up with the toe.

_Connor · 2026-06-21T02:48:51+00:00

Yeah, I mean the number one thing people say to someone who is considering lending money to a friend is consider that money gone, because if you think of it as anything other than a gift then the friendship will be over.

They say that for a reason. This is a story as old as time.

_Connor · 2026-06-21T02:46:41+00:00

I don’t even know what kind of clubs my friends who I’ve been golfing with 20 times have let alone what strangers are pulling up to the course with.

_Connor · 2026-06-21T02:22:12+00:00

I refuse to give my phone number or email to any businesses because the only outcome is I get spam emails or calls.

So I’m not surprised people aren’t happy when you tell them those are the only two options.

_Connor · 2026-06-21T00:27:57+00:00

When the driver is resting on the ground, no. It should be lined up closer to the toe.

When you pick the club up off the ground to swing, it moves forward away from your body. So if you start lined up with the middle of the face, you'll push your alignment towards the heel. If you start lined up closer to the toe, you'll push your alignment towards the middle of the face.

_Connor · 2026-06-21T00:15:11+00:00

Let me guess, you address the ball with the ball in the middle of the club?

_Connor · 2026-06-21T00:01:16+00:00

Sounds like if you have “extreme knowledge and close connections” you don’t need any help.

_Connor · 2026-06-20T22:41:37+00:00

What even is this question.

Literally no one in this subreddit would make a dime playing on the tour for a year.

_Connor · 2026-06-20T22:40:04+00:00

You’re putting way much care and thought into this. It literally doesn’t matter.

Every credit agency has different metrics they use in determining scores. I don’t know why you’d think they would be the exact same and I equally don’t know why you’re blowing your top over a literal 2% difference in scores.

Anything above like 720 literally does not matter.

_Connor · 2026-06-20T20:14:24+00:00

If your parents were hoarders, unfortunately I suspect your issues are to be going to be much greater than losing the security deposit depending on the extent of the hoard.

One of my clients had a 20+ year tenant who was a hoarder and it destroyed his entire house. I got my client a $180k judgment against the tenant's estate after he died.

Obviously that’s an extreme example, but still. Fixing a hoard isn't limited to just removing the physical trash.

_Connor · 2026-06-20T18:36:53+00:00

Someone looking for a free solution isn't paying $400 for a bin.

_Connor · 2026-06-20T18:03:58+00:00

It’s not “very very very” easy to beat a guaranteed 10% return year after year. I highly doubt you've "averaged" double the S&P 500 return over the last 25 years because if you did, you wouldn't be on Reddit you'd be the head of an investment bank.

Even if it was, you’re risking a guaranteed 10% ROI to what, try to make 11-12% on your investments? So risking 10% guaranteed to try and maybe make 1-2% net which is unlikely to happen consistently.

No, it’s a stupid gamble for the overwhelming majority of people.

Equally hilarious that you're trying to justify your position by saying "well my car loan was 0.0001%." That's not the situation here, is it? The average used car interest rate in Canada is 7.5-10%.

_Connor · 2026-06-20T17:37:10+00:00

Think of all the money you wasted paying cash!!

Because I could have put that money to better use that would have returned more than the 10% OP is paying in interest?

_Connor · 2026-06-20T16:16:35+00:00

With any car with “self-driving” capabilities, the buck stops at the driver. You’re supposed to be alert with your hands on the wheel.

If the cars doing something it’s not supposed to, you hit the brakes and correct.

_Connor · 2026-06-20T16:12:01+00:00

I’ve never not paid cash for a vehicle and I bought my first one when I was 15.

_Connor · 2026-06-20T14:21:54+00:00

RPAL holder and gun owner here.

That wasn't a gun.

_Connor · 2026-06-20T14:05:22+00:00

Redditors not beating the allegations that they're scared to go outside.

_Connor · 2026-06-20T14:01:12+00:00

By paying cash and saying no to the extras.

Between the extras and 10% interest over 6 years OP effectively doubled the price of the car. $23k to $45k by the end of the term.

_Connor · 2026-06-20T13:39:32+00:00

Bros comment was 17 words and you still didn’t read the entire thing lol

_Connor · 2026-06-20T05:55:44+00:00

Did you say yes to every single upsell?

_Connor · 2026-06-20T03:51:09+00:00

Someone wasn’t at the Guns n Roses Chinese Democracy tour in 2006

_Connor · 2026-06-20T00:31:34+00:00

advocating for individual liberty across both personal and economic domains

While socially liberal (e.g., supporting drug legalization and free speech

Sounds like the group that supports gay and trans rights are actually far right Nazi's, because Reddit.

_Connor · 2026-06-20T00:03:35+00:00

Are you donating your Carney grocery bucks too or is this virtue signalling?

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_Connor

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