AKBigDaddy
AKBigDaddy t1_j5pq7ys wrote
Reply to comment by vexingsilence in Why does this state seem to lose power so frequently? It’s always related to downed power lines from trees? Or is this a grid issue? by JayBisky
> Look at the delivery fees on your electric bill right now and tell me you seriously want them to rebuild the entire infrastructure underground.
Yes please. I'll take a slightly higher light bill and power that rarely ever goes out over a slightly lower one and I lose power a few times a year.
AKBigDaddy t1_j127psb wrote
Reply to comment by icedcornholio in Dan O'Brien Kia to pay $1.25M in settlement over accusations of deceptive practices by Beneficial-Hand4310
Oh it absolutely can, even the local CU's pay 2-3% of the amount financed, while giving the customer the same rate as if they had walked in the door and picked up a check.
Dan O'brien tried to get rid of the entire F&I department, have the salespeople/sales managers sell the extended warranties and place the loan, and have a centralized location (manchester) do the paperwork via videochat with the customers in an office- ie; Come sit in this office in front of this monitor mister customer, you're going to be videoconferencing with so and so to finalize your paperwork.
The problem with this is an F&I Professional has 3 main priorities, in order of importance: 1: Protect the dealership 2: Ensure all contracts are 'bankable' (ie; you have all of the required stipulations, the contract is properly written, and all required signatures are present) 3: Sell ancillary products (Extended warranty, gap, etc).
Sales Managers only have 1: Sell cars.
So when you have people that come in on a car who have an 850FICO, and are good to go at the quoted $600+ car payment but maybe are on a fixed income of $2000/mo, a sales manager is incentivized to give them a raise. $4000/mo will carry that car payment, they're an 850 so the bank is unlikely to require proof of income, and the customer isn't being misled about what his car payment will be, so why not?
An F&I person who takes their job seriously will catch that, put a stop to it, and ensure that it never happens again. A "loan closing specialist" who's only job is to sign paperwork, not only won't catch that, they're likely inexperienced enough that they don't even know to look for it. An F&I job is easily 6 figures, I've been doing it about 5 years, and my first year, which was also my worst year, was $165,000. So short sighted dealers will start to question if that role is really worth it, because hell, a good salesman can convince someone to take a warranty along with the car, so why am I paying this guy tons of money to do that? Dealers with more years in operation or who have been burned by overly aggressive/fraudulent sales managers never question it. Because yeah, I'm expensive. But not having someone like me is even more expensive.
AKBigDaddy t1_j10zfwn wrote
Reply to comment by Dollhousefurniture in Dan O'Brien Kia to pay $1.25M in settlement over accusations of deceptive practices by Beneficial-Hand4310
Any dealer that doesn't have in house F&I people should be avoided at all costs. Don't get me wrong there are plenty of bad f&I people that will take advantage of uneducated buyers. But on the whole, most of them take the compliance aspect of their career VERY seriously.
AKBigDaddy t1_j10z7pp wrote
Reply to comment by schoolbusserman in Dan O'Brien Kia to pay $1.25M in settlement over accusations of deceptive practices by Beneficial-Hand4310
Had more than one customer come to the dealership I work at with a story about how the dealer convinced them to sign for a payment several hundred more per month than they could afford, but don't worry because if they stop on on their due date every month they'll give them a voucher for the difference.
Those were always heartbreaking because they were desperate for help but more often than not there's nothing I could do.
Don't get me wrong I am a firm believer in people taking responsibility for their own actions, but holy shit you've got to be a special kind of scumbag to lie like that.
AKBigDaddy t1_j0zto87 wrote
Reply to comment by smartest_kobold in Dan O'Brien Kia to pay $1.25M in settlement over accusations of deceptive practices by Beneficial-Hand4310
NH dealers are some of the most transparent and least scummy dealers I've ever been exposed to, been in the industry 15 years, AK,TX,MS,NH,VT. The NH/VT dealers I've been to are by FAR the best.
By comparison when I was in Houston, a fine like this wouldn't even make the news.
AKBigDaddy t1_j0ztfup wrote
Reply to comment by smallboxofcrayons in Dan O'Brien Kia to pay $1.25M in settlement over accusations of deceptive practices by Beneficial-Hand4310
Right? Been waiting for years for this. They offered me a role repeatedly despite my refusal- even after telling them its because I value my reputation too much.
AKBigDaddy t1_j0c1z06 wrote
Reply to comment by Loosh_03062 in Why are so many of the homes dated? by needsab0uttreefiddy
In winter I spend almost $1k/mo on propane. Now that the electricity rates have gotten insane, I spend $700/mo on electricity. You're damn right I'm eyeballing super efficient replacements for several older items in my home.
AKBigDaddy t1_j0c1red wrote
Reply to comment by Ogre213 in Why are so many of the homes dated? by needsab0uttreefiddy
> Hell, my inlaws still have have some 40 year old appliances that aren't dead, and they're not buying.
See for me this is one area I don't skimp in- I don't run out and buy frequently, but with the cost of energy what it is I'm side-eyeing my old boiler, my washer/dryer, etc and crunching numbers on how long it would have to last to break even on a replacement.
AKBigDaddy t1_ivtuejz wrote
Reply to comment by BobKelso14916 in Missouri legalized weed; must all backwards states legalize it before us? by BSPINNEY2666
> you can still make it legal for recreational use without touching that side of the sales part
You can, but they don't want to, not because of wanting to keep people criminals, but because they want to capture the profit from sales. It's all about the money here. The state want to be the sole retail distributor in NH, just like they are for liquor.
AKBigDaddy t1_ivtpoq1 wrote
Reply to comment by northursalia in Missouri legalized weed; must all backwards states legalize it before us? by BSPINNEY2666
If the liquor is not sold for cost, then it's taxed. They just call it profit rather than tax.
AKBigDaddy t1_ivtpiwr wrote
Reply to comment by BobKelso14916 in Missouri legalized weed; must all backwards states legalize it before us? by BSPINNEY2666
> And you’re flat out wrong, it is a conspiracy to not change immoral laws to benefit police/prison lobbies.
Yeah no... in NH it's straight up because they want to control the means of sale just like they do in Alcohol, but doing so is risky on an item that is federally illegal.
AKBigDaddy t1_ivqd42p wrote
Reply to comment by Tullyswimmer in Trump blames Bolduc's loss on election denial flip-flopping. by lMickNastyl
Right now it would be suicide. The debates would be like chess with a pidgeon, and there's no way they come out looking good to the independents. Hard core right winger's would get the soundbites, despite having nothing of substance to say, by basically being outrageous. This will inflame their base "because they're just like us", and the independents would focus on the fact that the democrat isn't getting as many 'gotcha' points as the republican, despite the republican not focusing on any viable policy. When you have 2 people debating actual policy, then the people can make an informed decision.
The path we're on now will get herbert mountain dew camacho in the fucking presidency in a few years.
AKBigDaddy t1_ivpzr2x wrote
Reply to comment by Tullyswimmer in Trump blames Bolduc's loss on election denial flip-flopping. by lMickNastyl
> because if people had to vote on policy and governance rather than fear, the Democrats would have gotten slaughtered this cycle.
They have to vote based on candidates, and 100% the democrats did everything they could to help the nutters on the right, the voters still selected them in the primaries. If the republicans stopped supporting the nutters, and the party itself actually did everything they could to distance themselves from Trump, it would die out and the democrats wouldn't be able to leverage it nearly as effectively.
You're exactly right that as long as Trumpism remains a thing democrats don't have to run on policy. They just have to run on "not affiliated with or endorsed by Trump" to win elections in the majority of the country.
It's a goddamn shame too, because when there's legitimate, spirited debate about whats best for the country, we all win. But when half the government is too busy shouting about how trump got robbed and the democrats want kids to be able to use litter boxes in schools, and the other half is spending more time pointing out the idiocy than they are governing, we're all being fucked.
AKBigDaddy t1_ivhhurw wrote
Reply to comment by Maldonian in NH inmate mistakenly released after not posting bail by smartest_kobold
Over a minor traffic violation? Send the bill, if they don't pay it, escalate the fine and send it to collections.
AKBigDaddy t1_ivb093i wrote
Reply to comment by smartest_kobold in NH inmate mistakenly released after not posting bail by smartest_kobold
It's a traffic violation, I don't care if it's 50 years overdue there shouldn't be bail.
AKBigDaddy t1_itmi684 wrote
Reply to comment by WapsuSisilija in Do you have to pay mass income tax if you are in NH? by pbrontap
I mean... with some mental gymnastics you could argue they were- funds that ostensibly would have gone to taxable items in NH (such as fast food) were instead redirected to another state improperly.
AKBigDaddy t1_ir6fcyr wrote
Reply to comment by lendluke in Sysco truck drivers in New England go on strike by smartest_kobold
I disagree about not being needed, I think they absolutely still have their place, as it's not just about wages.
AKBigDaddy t1_ir61b01 wrote
Reply to comment by 5nd in Sysco truck drivers in New England go on strike by smartest_kobold
This is honestly where the union issues start to lose me. Like I support collective bargaining and the right of the workers to strike- putting more power in the hands of the workers is undeniably a good thing. BUT those workers don't have an inalienable right to that job. If they all collectively walk off, it might make business sense to come back to the negotiating table and work something out, but maybe it makes sense to let them all go and start over. I don't agree with forcing the business to retain them.
AKBigDaddy t1_j5qijfs wrote
Reply to comment by vexingsilence in Why does this state seem to lose power so frequently? It’s always related to downed power lines from trees? Or is this a grid issue? by JayBisky
I don't disagree with the latter half of that, the line from QBC would be great. But it doesn't have to be a massive increase- a small increase, say 1c/kwh, and then use the proceeds to begin burying everything- start from the outside (rural areas will be easier to do this in and can be done with smaller impact to people trying to get around) and work your way into the cities. 1c/kwh across the entire state will not have a massive effect on each individual's bills, I'm a rather heavy user at 2800KWH and my bill would increase $28, but across the entire state, that adds up quickly.
Not to mention there are federal incentives for burying power lines (because the rest of the country has more or less figured out that burying them vastly improves resiliency against weather) to help offset the cost.
Last I saw it cost around $11500/mi to bury lines- not cheap by any means, but it could be covered in <10 years by a 1c/kwh increase statewide. Additionally, most new construction already has buried lines, no reason not to make that the standard.