What Are You Buying Right Now? (non-OT version)

fishlessman

JohnInCarolina said:

fishlessman said:

alaskanassasin said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

Walk me through your math?  Fuel here locally is 2.99 a gallon or .79 a liter*

Gas station in Canada once told me it was more expensive there because you got more gas per tank....😆

Those guys know a mark when they see one.

Its a friendly place up there, the casino wanted to charge me ten bucks to check my bruins cap.  A waiter at a steak house chased me down to show me his knife. A border town didnt know how to translate beer😆 so friggin friendly.  Don't get me started about the county Mounty on a Maine clam flat telling me what not to do Infront of my house 😁

fishlessman

fishlessman said:

JohnInCarolina said:

fishlessman said:

alaskanassasin said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

Walk me through your math?  Fuel here locally is 2.99 a gallon or .79 a liter*

Gas station in Canada once told me it was more expensive there because you got more gas per tank....😆

Those guys know a mark when they see one.

Its a friendly place up there, the casino wanted to charge me ten bucks to check my bruins cap.  A waiter at a steak house chased me down to show me his knife. A border town didnt know how to translate beer😆 so friggin friendly.  Don't get me started about the county Mounty on a Maine clam flat telling me what not to do Infront of my house. No complaints about young french girls topless on my beach

Ozzie_Isaac

fishlessman said:

fishlessman said:

JohnInCarolina said:

fishlessman said:

alaskanassasin said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

Walk me through your math?  Fuel here locally is 2.99 a gallon or .79 a liter*

Gas station in Canada once told me it was more expensive there because you got more gas per tank....😆

Those guys know a mark when they see one.

It’s a friendly place up there, the casino wanted to charge me ten bucks to check my bruins cap.  A waiter at a steak house chased me down to show me his knife. A border town didnt know how to translate beer😆 so friggin friendly.  Don't get me started about the county Mounty on a Maine clam flat telling me what not to do Infront of my house. No complaints about young french girls topless on my beach

Pictures or it didn’t happen!

JohnInCarolina

fishlessman said:

JohnInCarolina said:

fishlessman said:

alaskanassasin said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

Walk me through your math?  Fuel here locally is 2.99 a gallon or .79 a liter*

Gas station in Canada once told me it was more expensive there because you got more gas per tank....😆

Those guys know a mark when they see one.

Its a friendly place up there, the casino wanted to charge me ten bucks to check my bruins cap.  A waiter at a steak house chased me down to show me his knife. A border town didnt know how to translate beer😆 so friggin friendly.  Don't get me started about the county Mounty on a Maine clam flat telling me what not to do Infront of my house 😁

You have had an incredible life. 

Legume

fishlessman said:

alaskanassasin said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

Walk me through your math?  Fuel here locally is 2.99 a gallon or .79 a liter*

Gas station in Canada once told me it was more expensive there because you got more gas per tank....😆

A woman that worked for me was married to a guy with limited education and worldview who was bigly mad at the oil companies in the 90's. He decided to take action over gas prices and that whole year he refused to put more than 1/2 tank of gas in his truck because he just wasn't going to give them the cost of a full tank.  No, he didn't drive less or even ponder it.

QDude

WeberWho said:

I was able to score about $550-$600 in auto parts from a closing Carquest store. I was able to pick it up for $26. 

That's an awesome score!

Ozzie_Isaac

A breakfast burrito.

Canugghead

alaskanassasin said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

Walk me through your math?  Fuel here locally is 2.99 a gallon or .79 a liter*

The hard way:
1 gallon = 3.78 litres
Current CA price for lowest 87 Octane = 1.47
1 CAD = 0.70 USD
3.78 x 1.47 x 0.70 = 3.89 USD/gallon

The easy way:
https://www.vcalc.com/wiki/vcalc/US-dollars-per-gallon-from-canadian-dollars-per-liter

alaskanassasin

Got it @Canugghead! It looks like the loonie is taking a beating.   I was curious about Canadian home mortgage rates and it looks like you guys have to refinance every 1-5 years?  I know yours is probably paid off at this point but I was just curious about this.  Are there fees like closing costs and appraisals every time you refi? 

fishlessman

alaskanassasin said:

Got it @Canugghead! It looks like the loonie is taking a beating.   I was curious about Canadian home mortgage rates and it looks like you guys have to refinance every 1-5 years?  I know yours is probably paid off at this point but I was just curious about this.  Are there fees like closing costs and appraisals every time you refi? 

@alaskanassasin that happens here too with business mortgages. one of my machine shop condo mortgages gets changed every 5 years and it involves perk tests there as well as perk tests on my other shop property thats owned outright without a mortgage. one year left on the machine shop, hope they let me ride it out without changing it this year. i dont know how ive past the perks on the metal fab shop, its been metal fab going back to the 1800's starting as a blacksmith shop. the city finds horse shoes every time they dig up the street, who knows whats been dumped out there over all those years   not quite a word salad....but close enough

Canugghead

@alaskanassasin Indeed, loonie tumbled against usd since Trump's win. I'll let the GWN kiddos chime in on our mortgage scene.

fishlessman

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

fishlessman said:

alaskanassasin said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

Walk me through your math?  Fuel here locally is 2.99 a gallon or .79 a liter*

Gas station in Canada once told me it was more expensive there because you got more gas per tank....😆

Those guys know a mark when they see one.

Its a friendly place up there, the casino wanted to charge me ten bucks to check my bruins cap.  A waiter at a steak house chased me down to show me his knife. A border town didnt know how to translate beer😆 so friggin friendly.  Don't get me started about the county Mounty on a Maine clam flat telling me what not to do Infront of my house 😁

You have had an incredible life. 

friggin montreal waiter, do you want a nice bottle of wine with your steak.

no, we do not

waiter pops open a bottle

we dont want it

if you dont like it then its on the house

we dont like it and dont want it

pops open another bottle

bill comes and theres several hundred dollars on the bill for the wine

we get that removed from the bill but the tax for its still there and so is the tip money figured in for it.

sorry,

we are not paying taxes or a tip for the wine you kept opening that we didnt want

pay the bill, taxes and tip for what we ordered then got hunted down by a guy wielding a knife after we left

somehow he didnt get his head kicked in for pulling a knife, somehow we didnt go to jail.....

different story,  trip/stumble/ fall head first into a bar in montreal, get up and slur der blah to the bartender...two labatts blues come your way

zaphod

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

that $1.43/l is nice. out here the 10 cheapest in a 30 min drive is 1.84/l to 1.93/l this morning.

That is 6.97 to 7.31 CDN or  4.84 to 5.07 USD  (convert litre to US liq gal and then exchange rate of 1.44). Usually the highest gas prices in North America around here.  Doesn't impact me, but the sticker shock trickles down. Some of my team can't justify driving into work and have moved to public transit for a 60 - 90 minute commute each way.

Our natural gas pricing is about to jump 17% tomorrow.  That one will hit me a bit.

JohnInCarolina

fishlessman said:

JohnInCarolina said:

fishlessman said:

JohnInCarolina said:

fishlessman said:

alaskanassasin said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

Walk me through your math?  Fuel here locally is 2.99 a gallon or .79 a liter*

Gas station in Canada once told me it was more expensive there because you got more gas per tank....😆

Those guys know a mark when they see one.

Its a friendly place up there, the casino wanted to charge me ten bucks to check my bruins cap.  A waiter at a steak house chased me down to show me his knife. A border town didnt know how to translate beer😆 so friggin friendly.  Don't get me started about the county Mounty on a Maine clam flat telling me what not to do Infront of my house 😁

You have had an incredible life. 

friggin montreal waiter, do you want a nice bottle of wine with your steak.

no, we do not

waiter pops open a bottle

we dont want it

if you dont like it then its on the house

we dont like it and dont want it

pops open another bottle

bill comes and theres several hundred dollars on the bill for the wine

we get that removed from the bill but the tax for its still there and so is the tip money figured in for it.

sorry,

we are not paying taxes or a tip for the wine you kept opening that we didnt want

pay the bill, taxes and tip for what we ordered then got hunted down by a guy wielding a knife after we left

somehow he didnt get his head kicked in for pulling a knife, somehow we didnt go to jail.....

different story,  trip/stumble/ fall head first into a bar in montreal, get up and slur der blah to the bartender...two labatts blues come your way

A Tale of Two Sh!ttys

TechsasJim

Ozzie_Isaac said:

A breakfast burrito.

$9.59 for a breakfast burrito?   Overs you could get 3 for that (unless they’re absolute monsters)

Canugghead

@zaphod Ouch!1.43 was on Dec 21 at night, daytime price is usually three to four cents higher. We don't drive much and getting back $10 for spending $25 once in a while is nice.

Legume

Texas is the only place I've seen small burritos, fwiw. I remember first time going to a Tex mex place in Texas and the burrito plate was two burritos...the size of enchiladas.

Hook_emHornsfan_74

$5 here for amazing breakfast burritos that are huge.  We even have people that come to our yard and sell them.  

DoubleEgger

Ozzie_Isaac

TechsasJim said:

Ozzie_Isaac said:

A breakfast burrito.

$9.59 for a breakfast burrito?   Overs you could get 3 for that (unless they’re absolute monsters)

On the south side they are $5.38, larger and better.  This one was easy and close though.  Kind of small and so-so flavor.

JohnInCarolina

Ozzie_Isaac said:

TechsasJim said:

Ozzie_Isaac said:

A breakfast burrito.

$9.59 for a breakfast burrito?   Overs you could get 3 for that (unless they’re absolute monsters)

On the south side they are $5.38, larger and better.  This one was easy and close though.  Kind of small and so-so flavor.

Kind of a rough about face from crepes in Paris.

poster

zaphod said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

that $1.43/l is nice. out here the 10 cheapest in a 30 min drive is 1.84/l to 1.93/l this morning.

That is 6.97 to 7.31 CDN or  4.84 to 5.07 USD  (convert litre to US liq gal and then exchange rate of 1.44). Usually the highest gas prices in North America around here.  Doesn't impact me, but the sticker shock trickles down. Some of my team can't justify driving into work and have moved to public transit for a 60 - 90 minute commute each way.

Our natural gas pricing is about to jump 17% tomorrow.  That one will hit me a bit.

You in B.C. somewhere?

poster

alaskanassasin said:

Got it @Canugghead! It looks like the loonie is taking a beating.   I was curious about Canadian home mortgage rates and it looks like you guys have to refinance every 1-5 years?  I know yours is probably paid off at this point but I was just curious about this.  Are there fees like closing costs and appraisals every time you refi? 

With my bank (pretty sure it's the same everywhere here) Std.  term is 5 year, but you can pick from 1-10 i think. The higher usually carry's higher interest. You can also fix the rate or have it float. Up to 6 months prior to your term you can pick your next term. At this point you can put extra down penalty free or increase your mortgage (consolidate other debts). You can also switch banks at this point. You only need appraisals if you are adding other monies to the mortgage, and this is usually free too. Closing costs are included at the beginning of the mortgage, they don't come after, at least with my bank anyway 

zaphod

poster said:

zaphod said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

that $1.43/l is nice. out here the 10 cheapest in a 30 min drive is 1.84/l to 1.93/l this morning.

That is 6.97 to 7.31 CDN or  4.84 to 5.07 USD  (convert litre to US liq gal and then exchange rate of 1.44). Usually the highest gas prices in North America around here.  Doesn't impact me, but the sticker shock trickles down. Some of my team can't justify driving into work and have moved to public transit for a 60 - 90 minute commute each way.

Our natural gas pricing is about to jump 17% tomorrow.  That one will hit me a bit.

You in B.C. somewhere?

yep. lower mainland.

alaskanassasin

poster said:

alaskanassasin said:

Got it @Canugghead! It looks like the loonie is taking a beating.   I was curious about Canadian home mortgage rates and it looks like you guys have to refinance every 1-5 years?  I know yours is probably paid off at this point but I was just curious about this.  Are there fees like closing costs and appraisals every time you refi? 

With my bank (pretty sure it's the same everywhere here) Std.  term is 5 year, but you can pick from 1-10 i think. The higher usually carry's higher interest. You can also fix the rate or have it float. Up to 6 months prior to your term you can pick your next term. At this point you can put extra down penalty free or increase your mortgage (consolidate other debts). You can also switch banks at this point. You only need appraisals if you are adding other monies to the mortgage, and this is usually free too. Closing costs are included at the beginning of the mortgage, they don't come after, at least with my bank anyway 

 Thanks for the response @poster. It seems like a system designed to keep you constantly in debt and protect the banks. On the upside I guess people would not sit on their 2.5% mortgage for 30 years limiting the available housing. Again I think the banks are the winners there too. 

poster

alaskanassasin said:

poster said:

alaskanassasin said:

Got it @Canugghead! It looks like the loonie is taking a beating.   I was curious about Canadian home mortgage rates and it looks like you guys have to refinance every 1-5 years?  I know yours is probably paid off at this point but I was just curious about this.  Are there fees like closing costs and appraisals every time you refi? 

With my bank (pretty sure it's the same everywhere here) Std.  term is 5 year, but you can pick from 1-10 i think. The higher usually carry's higher interest. You can also fix the rate or have it float. Up to 6 months prior to your term you can pick your next term. At this point you can put extra down penalty free or increase your mortgage (consolidate other debts). You can also switch banks at this point. You only need appraisals if you are adding other monies to the mortgage, and this is usually free too. Closing costs are included at the beginning of the mortgage, they don't come after, at least with my bank anyway 

 Thanks for the response @poster. It seems like a system designed to keep you constantly in debt and protect the banks. On the upside I guess people would not sit on their 2.5% mortgage for 30 years limiting the available housing. Again I think the banks are the winners there too. 

Ya, the banks are always gonna win. We can put 10% of the principal extra on penalty free yearly, or opt for an open mortgage and pay extra whenever but then ya the interest rates hike up. I feel sorry for the younger generation now with how high housing prices are and the rates. For what I bought my house for 20 years ago, I could barely renovate my kitchen with that now.

poster

zaphod said:

poster said:

zaphod said:

Canugghead said:

alaskanassasin said:

$5.40 a gallon!!! Aren’t you guys drilling up there?

USD 3.80/gallon, still significant higher than what you pay, right?

that $1.43/l is nice. out here the 10 cheapest in a 30 min drive is 1.84/l to 1.93/l this morning.

That is 6.97 to 7.31 CDN or  4.84 to 5.07 USD  (convert litre to US liq gal and then exchange rate of 1.44). Usually the highest gas prices in North America around here.  Doesn't impact me, but the sticker shock trickles down. Some of my team can't justify driving into work and have moved to public transit for a 60 - 90 minute commute each way.

Our natural gas pricing is about to jump 17% tomorrow.  That one will hit me a bit.

You in B.C. somewhere?

yep. lower mainland.

Cool, I have family close. It's been years since I've been out that way though. Need to change that, would love to do some fishing that way.

Botch

On the upside I guess people would not sit on their 2.5% mortgage for 30 years limiting the available housing. 

I keep seeing this kind of statement everywhere, and it doesn't make any sense to me.  If a family were not to "sit" on a 2.5% mortgage, they would have to buy/move somewhere else, right?  And if that available housing existed, couldn't the new folks move into that?  
If statistics were out where Empty Nesters were sitting on multi-bedroom housing, and there was an excess of smaller townhomes/apts/retirement villages, then I could understand a statement like that, but I have never seen any such statistics/demographics.  
Just a thought.  

Gulfcoastguy

There's a lot of trouble in moving and my house is both paid for and relatively small. Going by what I see on tv most younger people wouldn't want my circa 1972 ranch style with 1610. at least they wouldn't pay me enough to down size. Now admittedly I need to do a bathroom total renovation in order to safely live in it once I get mobility issues. A kitchen renovation would also be nice but one thing at a time.

alaskanassasin

 @Botch take a 400,000 mortgage at 2.5%, make every payment for 30 years and you paid $568,974. A 400,000 mortgage at 7% make every payment for 30 years and you paid $958,035. If I were in that position I would need to have a dang good reason to move.