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Joined 2 years ago
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Cake day: July 2nd, 2023

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  • Interestly, its not really inattentive car drivers that make motorcycling so dangerous.

    Because of their small size, single headlight and rapidly changing speed, the human brain can’t accurate identify, and track them. Especially at night or in adverse weather conditions. So drivers cut them off all the time because the brain does not process the information correctly.

    Combine that with the average aggressive driving, speeding, tailgating, and other dumbass dangerous behaviors that I see motorcyclist do daily and the death rate is shockingly low in my opinion.

    I spend a lot of time driving and have seen around 20 motorcycle accidents happen over the years. Only one was another drivers fault and not caused by the absolute stupidity of the motorcyclist.


  • It only works if you paid for the very first new vehicle in cash. Save up for 2 years and cash out the subsequent vehicles as well. Then the numbers pencil out.

    If you to take a loan out it’s fucking stupid.

    After 2 years at 10k miles per year, historically you have lost 20% or so of the value of the car. With a 5 year loan you have paid the principle down to around 63-64% of the original value.

    This means you can trade in the car for more than what you owe on the loan. The difference is a partial or total down payment on a new vehicle.

    Lenders strongly encourage this behavior. Due to the amortization schedule 2/3rds of the interest is paid during the first 2 years. So people who do this with loans are always paying the highest intereston their vehicle.

    The best thing to do finacially is to buy a car with 20-30k then run it for as long as possible. Once the cost of a common major repair is more than the value of the car, get another low mileage used one.