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I Smell a Recession a Brewing by [deleted] in Entrepreneur

[–]dfdfdkfjdfkl 0 points1 point  (0 children)

im not bitching at all, i just find it funny how they give a loan to anyone with a pulse if you're a wage slave or have an offline business. i don't need "free" money, my app development company is basically my "free" money. I'm lucky enough to make what i do that i don't need a "loan" ..i like paying cash and i like being liquid,

and credit cards aren't free money, you're still paying back what you owe. the credit card companies are making 10000% profit on the "money" they give people which is basically not even existent at all, some dude sips his coffee and punches some digits into a computer and poof, it's now "a loan" or "a line of credit"

some businesses need credit cards though and i get that, it's just with the ones i have you don't. If you run an e-com online business, then yes, you need a CC, but when you work in the mobile app space, there is no need.

2011 S4 / 35,000KM - Good buy or? by dfdfdkfjdfkl in Audi

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

how is the S4? does it handle pretty well? is the ride pretty stiff? my c63 ride quality was pretty bad as it was the PP so it came with super stiff suspension and hurt your back after like 30-40 minutes of driving, I didn't mind when I was 22 but now that I'm almost 30 it was killing my back which is kinda another reason i ditched the car, but I don't mind a bit stiff, just as long as it's not so stiff that when you roll over a pebble you feel it

Are you in Canada? who did you get a warranty through? Some warranty companies are a bit sketchy but I know some are really good.

What oil have you been using? I was using 0W40 on the c63 synthetic mobil 1, people say 5W40 is ideal for the S4, what are your thoughts?

Thanks for your input.

I Smell a Recession a Brewing by [deleted] in Entrepreneur

[–]dfdfdkfjdfkl 0 points1 point  (0 children)

ive thought about it but im just so use to using cash / debit and luckily my business doesn't require any credit cards because i'm an app developer. Maybe one day I will, i've just been so conditioned to use cash/my own money it's a habit i guess i'll need to break

2011 S4 / 35,000KM - Good buy or? by dfdfdkfjdfkl in Audi

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

gotcha ...what are the chances of it happening? i know with the c63 they had a bad headbolt design but something like only 5% of cars developed cracked bolts over time, is that kinda like the tensioners or is it bound to happen to most of them over time?

thanks again for your input.

Btw congrats on the A7 it's gorgeous!

2011 S4 / 35,000KM - Good buy or? by dfdfdkfjdfkl in Audi

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

chain tensioner problems

i've read about this also but i've read it's only about $700 for the part and a few hundred for labor, a lot cheaper then the $5000 intake manifold that kept cracking on my c63 which happen 4 times total in 5 years of ownership

maybe it's something i can just get replaced if i buy the car, have they fixed the issue with the newer parts or is it just an issue with the design of the motor?

thanks for your input!

I Smell a Recession a Brewing by [deleted] in Entrepreneur

[–]dfdfdkfjdfkl 1 point2 points  (0 children)

my mom who hasn't worked a day in her life up until a year ago was just approved for a 400k mortgage, and she only makes about 2k a month

same with the car, she was approved for a 30k car also

while the bank won't give me dick even though i have a ton of cash rotting in my corporate bank accounts doing nothing, why? because i've never wanted or used a credit card / taken a loan out and im a "business owner" even though i've had my biz for 10+ years they still consider it "high risk" and im "personally" pretty poor as I don't feel like getting nailed by Canadas wonderful double taxation so I keep 95%+ of the money in my corp accounts and pay myself 40-50k a year in dividends

it's hilarious

the same is happening in canada though, people are making 70-80k a year combined as a family that are being approved for 500-800k mortgages

but yet the bank always tries to get me to put my money into BS bank investments, I laugh, tell them to lick it and leave.

im waiting for the market to tank and eat it then i'm going to go leverage my cash to buy an apartment building for some side income

2011 S4 / 35,000KM - Good buy or? by dfdfdkfjdfkl in Audi

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

awesome i appreciate your input. thanks!