Several Largest Mistakes You Could Make With an Auto Loan Calculator

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Dear other stupid student loan provider… it's 2011, get a working mobile site, you dickheads.

opportunity to be Bill Gates. Of course, most of us will not, but there are no legal barriers (or at least not many in this country) to accumulating that kind of wealth. More down to Earth, isn't it fair to say everyone has the opportunity to provide a decent level of happiness to themselves, in the US, Europe, Japan, etc.?

"I think it’s fairly obvious for an objective observer to see that, everyone is guilty [of not making the best choices in order to maximize their welfare] to some degree or another (for instance I’m at work responding to you instead of working)"

When you chose to respond to me, you apparently felt that a small diversion wouldn't pose much of a risk to your continued employment (in fact I'm guessing it won't impact your pay at all), and you found it more interesting than working. That sounds like an improvement in your welfare to me.

"most people I know are horrible when it comes to considering the future and an unfortunate amount of time the government is too"

I could argue with you about whether people or government consider the future, but there's a third group besides individuals and government that you haven't mentioned, business. Do you think business does not plan well for the future?

"If the answer was $5 then I would’ve said no."

All depends on how expensive parking is in downtown, how bad the traffic congestion is, and what alternatives you have to doing whatever it was you were going to do in downtown. If the parking was expensive, the traffic jams unrelenting, and you really wanted to go to downtown and not somewhere else instead (say, if there was no other good substitute to Heald elsewhere), then you might have been more than willing to pay $5.

"private companies are only concerned with maximizing profits not providing services."

And that, my friend, is one of the greatest things mankind has going for it.

"numerous movie and game franchises fail not because they weren’t profitable but because they weren’t profitable ENOUGH"

And WHAT does it mean if they aren't profitable enough? If a given investment is profitable, why would a business not pursue the investment? It must mean that there are other investments that are more profitable. More generally, if a entrepreneur cannot raise the capital for a new business, even if it would likely be profitable, it must mean that investors believe they can get a higher rate of return (or perhaps the same rate of return with less risk involved) by putting their money into a different venture.

"I don’t [hate cars], my point was that their system is so good that the people don’t feel the need for cars."

Ok. So what? They pore money into transit, and people own fewer cars and drive less. Similarly, if we subsidized ham, people would have fewer roast beef sandwiches. Why is it a good thing that Denmark has a nice transit system? Because of the mobility it provides for the poor, disabled, and elderly?

Let me offer what I have in mind as an alternative. First of all, I think we agree that markets are great when they work. So let's start out by trying to get as much as we can out of market mechanisms. We can do this by removing the obstacles that are currently in place. Many cities (most, I think) regulate the taxi industry by limiting entry, controlling prices, and dictating how taxi companies operate. Other services, like minibuses, shuttles, and full-size buses are suppressed as well. It is my understanding, although I need to double check this, that it is illegal for any private company to compete with Seattle's Metro bus service (I'm thinking it may the same with most public transit systems around the country).

After removing the barriers, I envision many people driving less and using these services more. Poor working people, for whom car loan payments and insurance are a heavy burden, seniors, and the disabled would have the option of using some kind of multiple passenger taxi that would offer more timely and flexible service than buses can. For a higher price, a more personalized service would be available. Buses would run on routes where there is enough demand, mainly higher density areas. A multitude of transportation services offered by private companies would cater to the differing needs of every group, and competitive pressures would lead to innovation.

Some people might be unable to pay. These same people are probably struggling with a variety of other expenses. For the reasons I've already mentioned, I think it would be beter to give these individuals a cash handout rather than specific subsidies for specific expenses. Although I also wonder about whether it would better to provide no help at all. But that kind of goes beyond the scope of this discussion. I'll leave it to another post.]]>

Police react as professionals | Editorial: Island County residents should be proud of the police men and women w…

SBH car loan mela begins

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One thing has become very clear over the last few months…        To anyone observing the turmoil and upheaval in the Middle East and North Africa, there is little doubt that–unless it is determined to commit suicide–Israel must make some politically incorrect decisions that will, no doubt, tick off much of the rest [...]