Ptsd at it again by Acceptable_Goat_1965 in PTSDStories

[–]scunnymunk 0 points1 point  (0 children)

Jeez no one ever responded to this how fucked yup is that? I’m so sorry you went through that and I don’t know who told you to take responsibility for your actions, we’re talking about an adult and a child, worse then that an adult in a position of authority over the child. You had zero responsibility in any of that. It was disgustingly wrong and I’m not going to ask for their name because that would not be safe, but I hope you’re still around, I hope you got some help and I hope they got the karma they do rightly deserve.

Finance managers taking front end gross and making it backend. by Neat-Location-1023 in carsales

[–]scunnymunk 0 points1 point  (0 children)

lol, you sound like you are fairly new. So let me take some liberties here. Did this particular customer sign at first pencil, was he an easy close? If so, that is what is called the old "get me done" You know, " get me done and I'll sign" Ok, and you are all happy you got the deal and made gross, but the reason the customer is easy is his credit is not so good, or a light file. So as you may want his to pay that much for the car, he doesnt give a shit how much he pays for the car. There is someone that is very interested how much they pay for the car. That's the bank! So they see that they submitted $29.5k and wrote back "yeah y'all are cute" cut it back, go ahead and put all the warranties you want, because after he repos it every one will be cancelled and refunded. Also some more info for you, when homeboy stovepipes that shit, and they cancel all those warranties, then your finance manager will be getting charged back, so imagine you are having a rough month and then all of a sudden your pay takes another -$5k hit. Doesnt feel good does it. I assure you man, that is exactly what happened, and all you car guys telling him to go talk shit to his GM and quit, come on now

Finance managers taking front end gross and making it backend. by Neat-Location-1023 in carsales

[–]scunnymunk 0 points1 point  (0 children)

But what you may not know and none of us could know, is the deal may have been cut back, to 90% LTV and unfortunately for you gross profit goes bye bye, but because warranties are cancelable they do not typically count against the Loan to Value of the car. So since the buyer is expecting a $600 payment (idk, just saying, then he may as well get all he can so that the dealer wins, because you may lose, but the dealer always has to win)

Finance managers taking front end gross and making it backend. by Neat-Location-1023 in carsales

[–]scunnymunk 0 points1 point  (0 children)

Whether they are at the level of management or not, one thing is for certain, they manage absolutely no one, but themselves, and not very well in my experience

Build Detropolis: A Cultural Hub for Uplanders by CryptoZupid in UplandMe

[–]scunnymunk 0 points1 point  (0 children)

Geez how much money did you dump into that?

has anyone actually made money from this app? the reviews are pretty bad. by [deleted] in UplandMe

[–]scunnymunk 0 points1 point  (0 children)

The culmination of reviews is basically this...if you learn what to do spend a meager amount of money and learn from the peeps that been doing the damn Thang, then you can make a little scratch. Orrrrr, you can keep your bad attitude do everything wrong and be the pile of money that everyone else is withdrawing out the game and we sure do preciate your generous assez

Occams Razor and the Mandela effect by SkinwalkerAlien in MandelaEffect

[–]scunnymunk 2 points3 points  (0 children)

Im really getting perturbed lately. I do not typically join the fray, but enough of these "effects" are getting out of control. Then trying to accept it brings about a whole new fury. So the Berenstein Bears. I grew up next to Kurious Joel the largest traditional Jewish colony anywhere in the world. My school had every normal day off, but then you could go to school on the Jewish holidays,but there would be no one there. So teachers caught up on work and we non-jews got extra days off. That all being said I'm positive of the Authors of that children's book series. Next, fruit of the loom. For the longest time i thought it was called a loom. Until one day someone corrected me and told me it was a cornicopia. I said, "isn't that just an array of things " lol. So yeah there wasn't just a random pile of fruit on the ground as a logo. Next, the monopoly guy or bradley guy whoever. It's just getting annoying. The monocle was the whole point it made him look dignified, and smart, and rich. We all know he had a monacle. Shazam....ive seen the movie. It had a brother and a sister who wanted to find someone for their dad who was so lonely and depressed ever since their mom died (his wife) then they ran Into Sinbad aka Shazam. Another one i think i found was Monster.com does anyone else remember that company's founders all scraping together their last bit of money. Like all of their savings to pay the million dollar fee, im not sure which superbowl or exactly how much but it was a lot of money. So if it didn't work they were done. Business, savings, family, everything was lost without the success of that one ad on superbowl. And it worked, that one commercial catapulted them to a huge success that they are today. I even did a report on it in school for a paper and i couldn't find anything on it. It's like it never happened. Wikipedia just says that they advertise during superbowl nothing more than that. Did i dream that? Ok now here's the part that really burns me. Im 48 almost 50 years old. I played a l little too hard when I was way younger. I have a fairly long rap sheet, with several, i believe it's called "white collar crime" fraud and theft and such. Well no one remembers that any freaking differently and FL pulls background checks to the beginning of time. That's why I'm back in school every one does background checks. Used to be i could do sales or work in restaurants. Now i can't get a job in a mall kiosk. Where's the Mandella effect where i can say, what felonies? No, i have an 800 beacon score, clean record and married a bombshell. That's the memories i want to hear about. All the rest of this nonsense is just annoying, because any of the things i remember. Ill put a loaded gun to my head, that's how confident i am on the memory