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Vouch thread! If you have ever done any type of buying/selling/trading with me please leave a comment on this thread to let others know I’m legit.

@SusieM414141 You still go through regional tsa so it’s a win

When you buy a flight on American Airlines and board a bus on the tarmac thinking it’s taking you to your flight, but it’s really an American Landlines bus taking you to your destination. Do you demand a refund or just roll with it?!

@yamanakanobody Poverty finance says you have multiple unreliable cars. It’s cheaper than one modern car.

アメリカ人って普通に運転する車と壊れた時用の予備の車を持ってんだってさ！ 凄くね？

@datingbyblaine Drawing the line awfully close to escort service

~ Day in my life as a matchmaker ~ Me: confirming you’re seeking someone feminine, playful, smart, 27-32 years old! Client: actually there’s one more thing, but I feel embarrassed… Me: yes? Client: well, uhh… Me: *waiting* Client: my mom would kill me, but I love fake boobs. Me: what does that have to do with your mom? Let’s find you a wife with fake boobs 🤣

@LangoJimbo @eliasmakos Following the law is a business decision for many. If cost to follow is less than fine x probability of getting caught they don’t follow it

@eliasmakos Most businesses are privately owned, and they still have to follow the law. Such a dumb take.

AMA on Reddit with a 20-year Tim Hortons employee says a lot about Canada

@NewAgeCardKings Mathematically that pikachu should cost somewhere under 5k if you could buy packs under msrp. If it know the appropriate draw rate the math ain’t hard. Problem is you can’t get packs at msrp so now you are opening 10$ packs and math adjusts

Not sure about the .50 cent part but I do see his point. My question is, how’s actually paying this price for Pikachu? I’m convinced it’s just vendors buying from other vendors etc.. the cycle ends when a vendor gets a collector to trade towards it (at a percentage of course 🤦🏻‍♂️)

@soupformy_fam @PB_Buccaneer They care more than any cop would

@PB_Buccaneer The retail workers don't give a shit but Target's loss prevention team with 2 accredited forensics labs think they are the cia

Target will record you doing this, prepare the entire prosecution beginning to end and deliver it to the prosecutor. You'll be brought up on felony charges 6 months later, you'll lose and the DA will get a W on their record without having to do any work.

@MikeCalcara Ha I see you took my last reply to heart. Now run some real life numbers. Just use yourself as an example and pick 2 cars in a popular segment

The monthly payment is the least important number in a car deal. Want to know how to calculate the number that actually matters in under 10 minutes? Save this: Start with the out-the-door price. Not the sticker or the monthly payment. The total amount you're financing after taxes, fees, and any down payment. Everything else builds from here. Then run the interest. On a $45,000 loan at 7.5% over 60 months you're paying roughly $9,000 in interest alone. Most buyers never look at that number. They look at the monthly payment and stop there. Add insurance. Get an actual quote for the specific vehicle before you commit. I've seen insurance costs vary by $1,200 a year between two cars with identical sticker prices. Over three years that's $3,600 that never came up in the payment conversation. Factor in fuel. A 15,000 mile a year driver in a 20 MPG vehicle is spending around $2,600 a year on gas. The same driver in a 35 MPG hybrid is spending $1,500. That gap adds up over time. Don't forget maintenance. A German luxury brand out of warranty can run $2,000-3,000 a year in scheduled maintenance. A Japanese brand in the same segment might run $800-1,200. That difference compounds significantly over a five year ownership window. And then there's depreciation. Most vehicles lose 20-30% of their value in year one. That's a real cost that will show up the moment you go to sell or trade in. Add it all up. That's your true cost of ownership. That's the number that tells you whether the car you're about to buy actually fits your life or just fits the monthly budget you walked in with. A $680 monthly payment can easily become a $1,400 monthly commitment once you factor in everything else. Know the right number before you sign.

@bobbyfijan If they did that they would have to drop a lot of the special ed offerings. It would make things better for most kids but come at a price of having a high cost special ed school that’s dysfunctional. Just depends on how much you prioritize the needs of the many over the few.

@pisswacker It’s also why I think that we should change local elementary schools to be K through 12.

The collapse in school enrollment is a CITY tragedy, not (just) a Red/Blue STATE issue Over the last decade, as the population of the CITY of Austin increased by 16% ... Austin public schools decreased by 18%. A catastrophic divergence!

@bobbyfijan The only way to fix public schools in urban areas is to cut up large school districts into smaller ones. At which point your probably have some failed ones and someone excellent ones but at least they won’t all be bad.

@pisswacker It’s a terrible negative cycle. Austin has clearly recruited a bunch of young relatively wealthy people. And they can’t keep them.

@a1yousef @Platypuss_10 They are 30 they just lived a hard life

@Platypuss_10 Give me x4 - 50 year grown men in the cockpit vs a bunch of computers and a 21 year old child any day of the week.

The landing of IL-76 in Juba, South Sudan Flight Engineer operates the throttle while pilots are almost synchronized in control movement. Even after decades, Russian aircraft still use cheap, outdated analog cockpit controls.

@MikeCalcara That dealership would have tried to scam you 5 different ways even if they did answer the question eventually. Name and shame though.

If I call your Hyundai dealership with a simple yes or no question, don't give me the runaround. If you do, I'm not sending any clients your way. Had a client looking for an 8-passenger Palisade. I wanted to know if one was on the lot before we made the trip. That's it. A yes or a no. 30 seconds. First rep picks up. I ask if they have what I'm looking for. She tells me she can't answer questions about inventory. What she can do is book me an appointment for their 'special event' happening this weekend. I ask to speak to a salesperson. She tells me they're all busy and no one can call me back until after the event. Sometime later this week. I hang up. Five minutes later my phone rings. Different number but the same dealership. Second BDC rep. She can't transfer me to anyone on the floor. Can't send an email to a salesperson on my behalf. Can't confirm whether the car I'm asking about exists on their lot. But she can book me an appointment for the special event 🤯 1 simple question. 2 different phone calls. And I still don't know if the car is there. This is Tuesday in the car business. Dealerships have built entire departments specifically designed to intercept buyers before they reach a salesperson. But I don't play their game. I kept making calls until I found a dealership that picked up the phone, confirmed they had 2 Palisades on the ground, and had a salesperson ready to walk us through both of them the next morning. That's what this is supposed to look like. If you're shopping for a car right now and you can't get a straight answer on the phone, that's a system working exactly as designed. And it's exactly the kind of thing I deal with so my clients don't have to. If you're in the market and tired of getting the runaround, that's exactly what I'm here for. Link in bio.

@JoeLane33 @Rainmaker1973 We over designed for fire safety. Complete overkill on fire trucks and road width

@Rainmaker1973 And ive watched some of you UK reactors making fun of our fire hydrants that we have literally everywhere across America, literally on every city and suburban block in every neighborhoods. Speed saves lives and property.

Accessing an underground fire hydrant in the UK.

@StevenxTCG It’s expensive 15-25k expensive if you want a heat pump. If you just need ac it’s probably under 10.

Anyone who’s had to replace the central air unit in their house, please tell me it’s not that bad 😬

@datingbyblaine As long as he pays by the date who cares?

Potential matchmaking client, SF, late 30s, AI exec, asks if he can take first dates via FaceTime for “efficiency.” FaceTime is fine if you're dating long-distance, but he only wants matches who are also based in SF... Sorry, but stick with the apps if you don’t want to meet women in-person 😬

@bryce 20-30k in repairs was actually probably a little accident 20-15 mph no structural damage but sensors and fairings are extremely expensive

Daughter at 3:32 AM- just got in a little accident, no other cars, cops said it should be like a couple hundred bucks to repaint a little scratch on the bumper. Dad at 3:35 AM- that’s awful, glad you’re ok and safe. Send a pic so I can see the damage. The damage

@clawrence @averagemoneymd Not really true. Mortgage isn’t deductible if you take the standard deduction which most people do

@averagemoneymd Probably not. Your mortgage interest is tax deductible. And I'm guessing you will have a BIG tax bill if you liquidated that account. 3.75% is a damn good raise.

Our taxable brokerage now exceeds our 3.75% mortgage (currently $488k) for the first time ever. Should I sell it all and go mortgage free????

@his_eminence_j Us is about to print money like it’s going out of style. Tarriff refunds are wildly inflationary. That’s what happened

I’m just going to say this and put my phone down. A market rally on no volume like the last 10 or 12 days is not real. There was also no breadth to the rally. Watch Russell 2000 or an equal-weight index. Today will be glorious because Strait of Hormuz, yada yada. Nothing is solved there except a rosy headline for the weekend cycle. A shoe company became AI and the stock moved 800% this week. Meanwhile, the economy is deteriorating all around us. You know that to be true. And prices are climbing again. You also know that to be true. And these AI projects are not producing ROI, are laughably unprepared for real world application, and are monstrously energy and water intensive. You also know that to be true. Caveat emptor.

@MikeCalcara Honestly initial price shouldn’t matter. When you do the math a car is truly just a monthly payment. Lease buy or finance it still just comes down to monthly outflow and depreciation based on expected usage and cost of money. That’s how you find the best deal

@pisswacker Same price…

You're in the market for a new car. You've narrowed it down to 2 vehicles. Same price, same segment. How do you make the final call? A) Go back for a second test drive B) Call your insurance company and let the numbers decide 3) Ask someone who owns one 4) Just go with your gut

@MikeCalcara I mean you drive them and see which one feels better and has better seats. If you can’t do that depreciation curve, maintenance cost and insurance. The tco package. They can’t be that identical