The Money Mustache Community
General Discussion => Welcome and General Discussion => Topic started by: Unionville on May 21, 2020, 11:00:54 AM
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Not to belittle the seriousness of the coronavirus but I've noticed some things are super cheap right now. I normally shop at Goodwill but some clothing stores are matching those prices. The other day I saw a tablet reduced almost 50%. It seems the clothing and electronic industries are trying to sell off stock.
Have you noticed things that are worth buying now?
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Ocean cruises seem to have dropped a bit in prices.
Oh, wait. You said things that were worth it. nm.
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If you're into spending money on classic cars and supercars, prices seem to have dropped a lot. A McLaren Senna that was going for $1,500,000 a few months ago can be had for $800,000. Bargain!
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I was wondering if the cost of music equipment would take a dump seeing that nobody is performing right now. But nope. Prices haven't gone down at all.
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I'm curious to know of any deals as well.
So far I only see the opposite. I'm trying to set up my home squat rack but it's impossible to find a barbell!
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If you're into spending money on classic cars and supercars, prices seem to have dropped a lot. A McLaren Senna that was going for $1,500,000 a few months ago can be had for $800,000. Bargain!
Hang on a second, I'll just get my checkbook.
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Well, I'm looking to buy a computer for my kids to use for school and they seem to be mostly sold out. What is left is the expensive stuff that is overboard for what they need. Similarly for other kid related stuff - everything is just sold out online. It is crazy. No deals as far as things I have been shopping for.
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I haven’t seen anything I’m interested at bargain prices, that’s for sure.
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I was wondering if the cost of music equipment would take a dump seeing that nobody is performing right now. But nope. Prices haven't gone down at all.
Maybe performance level amps and stuff...but I think there are probably a lot of people (like me) that have spent more time playing music in the last 2 months than in the prior 10 years just because its something productive & fun you can do with the extra time at home. Now that stuff is opening back up maybe that'll change now.
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Oil is the only thing that I have seen decrease in price.
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Used cars are cheaper. New cars are cheaper and have lots of incentives. Gasoline and fuel oil are cheaper. A lot of “going out of business” sales will be coming. Pier 1 is shutting down. Lots of JC Penney locations are closing, as are Victoria’s Secret locations. It’s probably early to be expecting deals; stores are just opening back up.
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I really haven't seen anything I use that has decreased in price. Everyone's still charging full price, except for groceries which have gone up. Gas prices dipped for a bit, but I still haven't put gas in my car since February and as of last week the prices are back up to where they were pre-COVID!
I've been through a couple other crashes and this one is really notable in that there just haven't been any deals available like the other crashes had.
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And really, for all that people are wailing about the collapse of the economy, as things open up here, there are enough people to wait in line for 45 minutes to get into Buffalo Wild Wings or TJ Maxx. Places like Home Depot are crowded. That was not the case in 2008.
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My parents, who were once hardcore "never buy new" people, just got a new car and said they got a great deal and that the negotiations were very easy because clearly the dealership really, really wanted their business.
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
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Socializing has been a lot cheaper. A simple walk suddenly replaced having to go out to dinner or expensive event.
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My parents, who were once hardcore "never buy new" people, just got a new car and said they got a great deal and that the negotiations were very easy because clearly the dealership really, really wanted their business.
The smart dealers are taking losses now to move the inventory.
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And really, for all that people are wailing about the collapse of the economy, as things open up here, there are enough people to wait in line for 45 minutes to get into Buffalo Wild Wings or TJ Maxx. Places like Home Depot are crowded. That was not the case in 2008.
I don't see this being the same comparison.
First BWW and TJM have been closed for a while now so people are just itching to shop and eat now.
Second, I'm pretty sure BWW and TJM are limiting capacity which is why people are waiting in line.
If these places been opened all this time and no limited capacity, I'm pretty sure there won't be lines.
Of course Home Depot and Lowes are busy for obvious reason. Everyone is sitting at home doing home improvements.
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a few days ago our grocery store had 10 lb bags of chicken quarters for 2.50 because they were close to expiring. We got 5 of them.
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Well, I'm looking to buy a computer for my kids to use for school and they seem to be mostly sold out. What is left is the expensive stuff that is overboard for what they need. Similarly for other kid related stuff - everything is just sold out online. It is crazy. No deals as far as things I have been shopping for.
If you're looking for a desktop, I'm a big fan of the refurbished computers that have an intel Core i5-3470. They're inexpensive and speedy when they have an SSD. The on-board graphics supports multiple monitors and running audio through the monitor, so they don't need an extra video card unless you're gaming. Decent monitors are also inexpensive now. Desktops with the screens and keyboards at proper height are much better for posture than laptops. I run Linux on mine and it runs great.
For example (slightly better processor actually): https://www.pcliquidations.com/p75435-dell-optiplex-9010-sff
If you select a 256GB SSD and 8GB ram, with the cheap keyboard and mouse, it's $191.97. Pair it with an old lcd TV (displayport to hdmi cable) or a $120 monitor and you're good to go, if you install linux. They'll install windows for a fee. Not advertising the particular store, I actually buy from a local remarketer.
Laptops I agree, it's harder to find good deals. Make sure you don't get something with a slow processor (Celeron, Atom) just because it's cheap. You'll regret it. Check out the processor on https://www.cpubenchmark.net and don't get anything that isn't better than 3000.
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
A buck? Really? It's the usual price here - 4.75 Cdn. And that's for 4 litres, which I believe is less than a gallon.
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I got gas at Costco for 95 cents at the height of the lockdown here in Michigan. I am saving that receipt. Back up to $1.90 now.
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Here in Australia, if you know where to look, you can buy top notch produce at a fraction of February's price.
Certain butchers/wholesalers that typically service the high end restaurant market have lots of phenomenal meat. We've also been buying fresh produce from a local cafe who are trying to retain their supply chains for when business picks up again (and onselling to locals pretty much at cost) - probably 25% cheaper than the big supermarkets but about three steps up in quality.
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If you're into spending money on classic cars and supercars, prices seem to have dropped a lot. A McLaren Senna that was going for $1,500,000 a few months ago can be had for $800,000. Bargain!
Hang on a second, I'll just get my checkbook.
I know I shouldn't try to time the supercar market, but I'm going to wait and see if the prices drop further.
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I think I am getting better CPCs on Facebook
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
A buck? Really? It's the usual price here - 4.75 Cdn. And that's for 4 litres, which I believe is less than a gallon.
The government subsidizes it here. Also grocery stores use it as a loss leader to compete with each other. Where my mom lives it was below a buck before the COVID. It's about 2.50 where I live and I haven't noticed any price changes.
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Haven't been anywhere to notice any deals...
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And really, for all that people are wailing about the collapse of the economy, as things open up here, there are enough people to wait in line for 45 minutes to get into Buffalo Wild Wings or TJ Maxx. Places like Home Depot are crowded. That was not the case in 2008.
I don't see this being the same comparison.
First BWW and TJM have been closed for a while now so people are just itching to shop and eat now.
Second, I'm pretty sure BWW and TJM are limiting capacity which is why people are waiting in line.
If these places been opened all this time and no limited capacity, I'm pretty sure there won't be lines.
Of course Home Depot and Lowes are busy for obvious reason. Everyone is sitting at home doing home improvements.
Yes. So clearly many people feel confident enough to go out and spend money on wings. If you are really worried about the state of your personal economy, that’s not what you do. It’s certainly not what happened in 2008.
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
A buck? Really? It's the usual price here - 4.75 Cdn. And that's for 4 litres, which I believe is less than a gallon.
Believe it or not, Canada essentially has a milk cartel and limits imports to keep prices artificially high:
https://buffalonews.com/2018/06/16/in-dairy-a-cutthroat-u-s-business-versus-a-canadian-cartel/
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
A buck? Really? It's the usual price here - 4.75 Cdn. And that's for 4 litres, which I believe is less than a gallon.
Believe it or not, Canada essentially has a milk cartel and limits imports to keep prices artificially high:
https://buffalonews.com/2018/06/16/in-dairy-a-cutthroat-u-s-business-versus-a-canadian-cartel/
That's true, but even putting aside Canada's quota system . . . most milk sold in the US would not pass Canada's food and safety regulations due to the hormones and antibiotics present in it.
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I've never seen gas below $2/gal in my life (or remembered it at least). Doubt I'll ever see this again.
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
A buck? Really? It's the usual price here - 4.75 Cdn. And that's for 4 litres, which I believe is less than a gallon.
Believe it or not, Canada essentially has a milk cartel and limits imports to keep prices artificially high:
https://buffalonews.com/2018/06/16/in-dairy-a-cutthroat-u-s-business-versus-a-canadian-cartel/
That's true, but even putting aside Canada's quota system . . . most milk sold in the US would not pass Canada's food and safety regulations due to the hormones and antibiotics present in it.
Those are popular misconceptions: https://www.huffingtonpost.ca/2018/10/13/american-milk-quality-usmca_a_23560062/
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
A buck? Really? It's the usual price here - 4.75 Cdn. And that's for 4 litres, which I believe is less than a gallon.
Believe it or not, Canada essentially has a milk cartel and limits imports to keep prices artificially high:
https://buffalonews.com/2018/06/16/in-dairy-a-cutthroat-u-s-business-versus-a-canadian-cartel/
That's true, but even putting aside Canada's quota system . . . most milk sold in the US would not pass Canada's food and safety regulations due to the hormones and antibiotics present in it.
Those are popular misconceptions: https://www.huffingtonpost.ca/2018/10/13/american-milk-quality-usmca_a_23560062/
I'm not sure that that article proves the point you think it does.
From the article - US milk does contain synthetic growth hormones, this has resulted in a ban in Europe, Japan, Australia and New Zealand. The growth hormone is not approved for sale in Canada (this occurred because of concerns for health/welfare of cows, not humans though).
So . . . the milk from the US is unsalable in Canada because it contains growth hormone that is banned in our country.
The article doesn't discuss antibiotics in US milk at all. Regular milk sold in the US contains trace amounts of antibiotics. Cows receiving antibiotics are commonly milked, and this milk is then distributed to customers. This milk would be unsalable in Canada, where any cow on antibiotics must have it's milk destroyed (https://dairyfarmersofcanada.ca/en/8-facts-you-should-know-about-canadian-milk-and-antibiotics (https://dairyfarmersofcanada.ca/en/8-facts-you-should-know-about-canadian-milk-and-antibiotics)). Canadian milk is tested for antibiotics, and it is discarded if any trace is found. In the US, there are test for antibiotics in milk, but there are allowed thresholds the USDA has considered safe (as outlined here - chrome-extension://ohfgljdgelakfkefopgklcohadegdpjf/https://www.fda.gov/media/91217/download (http://chrome-extension://ohfgljdgelakfkefopgklcohadegdpjf/https://www.fda.gov/media/91217/download)). So again, US milk is unsalable in Canada because of the antibiotics present in it.
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
A buck? Really? It's the usual price here - 4.75 Cdn. And that's for 4 litres, which I believe is less than a gallon.
Believe it or not, Canada essentially has a milk cartel and limits imports to keep prices artificially high:
https://buffalonews.com/2018/06/16/in-dairy-a-cutthroat-u-s-business-versus-a-canadian-cartel/
That's true, but even putting aside Canada's quota system . . . most milk sold in the US would not pass Canada's food and safety regulations due to the hormones and antibiotics present in it.
Those are popular misconceptions: https://www.huffingtonpost.ca/2018/10/13/american-milk-quality-usmca_a_23560062/
I'm not sure that that article proves the point you think it does.
From the article - US milk does contain synthetic growth hormones, this has resulted in a ban in Europe, Japan, Australia and New Zealand. The growth hormone is not approved for sale in Canada (this occurred because of concerns for health/welfare of cows, not humans though).
So . . . the milk from the US is unsalable in Canada because it contains growth hormone that is banned in our country.
The article doesn't discuss antibiotics in US milk at all. Regular milk sold in the US contains trace amounts of antibiotics. Cows receiving antibiotics are commonly milked, and this milk is then distributed to customers. This milk would be unsalable in Canada, where any cow on antibiotics must have it's milk destroyed (https://dairyfarmersofcanada.ca/en/8-facts-you-should-know-about-canadian-milk-and-antibiotics (https://dairyfarmersofcanada.ca/en/8-facts-you-should-know-about-canadian-milk-and-antibiotics)). Canadian milk is tested for antibiotics, and it is discarded if any trace is found. In the US, there are test for antibiotics in milk, but there are allowed thresholds the USDA has considered safe (as outlined here - chrome-extension://ohfgljdgelakfkefopgklcohadegdpjf/https://www.fda.gov/media/91217/download (http://chrome-extension://ohfgljdgelakfkefopgklcohadegdpjf/https://www.fda.gov/media/91217/download)). So again, US milk is unsalable in Canada because of the antibiotics present in it.
The point is that less than 10% of American milk uses rBGH, so no, "most milk sold in the US" does not have synthetic growth hormones.
As for antibiotics, they are allowed for sick cows in both Canada and the US, and milk sold has to be tested for antibiotics and isn't allowed to be sold if the level exceeds a certain threshold. I was unable to find the threshold for Canada, or a comparison of Canada's standards with other countries, so I'm unable to say if the levels tolerated in American milk are significantly different from Canadian standards.
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If you're into spending money on classic cars and supercars, prices seem to have dropped a lot. A McLaren Senna that was going for $1,500,000 a few months ago can be had for $800,000. Bargain!
Nothing in my price range has dropped, lol -- I've been eyeing C7 Corvettes and they're the same as usual. Sim racing gear on the other hand has absolutely skyrocketed...people are selling used stuff for way more than new.
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
A buck? Really? It's the usual price here - 4.75 Cdn. And that's for 4 litres, which I believe is less than a gallon.
Believe it or not, Canada essentially has a milk cartel and limits imports to keep prices artificially high:
https://buffalonews.com/2018/06/16/in-dairy-a-cutthroat-u-s-business-versus-a-canadian-cartel/
That's true, but even putting aside Canada's quota system . . . most milk sold in the US would not pass Canada's food and safety regulations due to the hormones and antibiotics present in it.
Those are popular misconceptions: https://www.huffingtonpost.ca/2018/10/13/american-milk-quality-usmca_a_23560062/
I'm not sure that that article proves the point you think it does.
From the article - US milk does contain synthetic growth hormones, this has resulted in a ban in Europe, Japan, Australia and New Zealand. The growth hormone is not approved for sale in Canada (this occurred because of concerns for health/welfare of cows, not humans though).
So . . . the milk from the US is unsalable in Canada because it contains growth hormone that is banned in our country.
The article doesn't discuss antibiotics in US milk at all. Regular milk sold in the US contains trace amounts of antibiotics. Cows receiving antibiotics are commonly milked, and this milk is then distributed to customers. This milk would be unsalable in Canada, where any cow on antibiotics must have it's milk destroyed (https://dairyfarmersofcanada.ca/en/8-facts-you-should-know-about-canadian-milk-and-antibiotics (https://dairyfarmersofcanada.ca/en/8-facts-you-should-know-about-canadian-milk-and-antibiotics)). Canadian milk is tested for antibiotics, and it is discarded if any trace is found. In the US, there are test for antibiotics in milk, but there are allowed thresholds the USDA has considered safe (as outlined here - chrome-extension://ohfgljdgelakfkefopgklcohadegdpjf/https://www.fda.gov/media/91217/download (http://chrome-extension://ohfgljdgelakfkefopgklcohadegdpjf/https://www.fda.gov/media/91217/download)). So again, US milk is unsalable in Canada because of the antibiotics present in it.
The point is that less than 10% of American milk uses rBGH, so no, "most milk sold in the US" does not have synthetic growth hormones.
rBGH is a synthetic growth hormone allowed in American milk. It's not allowed in Canadian milk. I didn't say that "most milk sold in the US" has synthetic growth hormone. I said that most milk would not pass Canada's food and safety regulations. Which is true - partly because of the antibiotics allowed in US milk, and partly because of the synthetic growth hormone allowed in US milk.
As for antibiotics, they are allowed for sick cows in both Canada and the US, and milk sold has to be tested for antibiotics and isn't allowed to be sold if the level exceeds a certain threshold. I was unable to find the threshold for Canada, or a comparison of Canada's standards with other countries, so I'm unable to say if the levels tolerated in American milk are significantly different from Canadian standards.
I linked articles that clearly explain the difference between Canada's policy of not allowing any antibiotics to be tested, and the US policy of allowing some antibiotics to be tested. They also describe the penalties (which are more severe for violation in Canada than the US). That's part of why milk from the US is not really salable under Canadian guidelines.
This isn't really a bridge I want to die on . . . I was pointing it out because lax regulations and greater use of growth hormones/antibiotics makes milk cheaper to sell in the US than Canada. Don't get me wrong, Canada's quote system also significantly increases prices too though.
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That's true, but even putting aside Canada's quota system . . . most milk sold in the US would not pass Canada's food and safety regulations due to the hormones and antibiotics present in it.
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From the article - US milk does contain synthetic growth hormones, this has resulted in a ban in Europe, Japan, Australia and New Zealand. The growth hormone is not approved for sale in Canada (this occurred because of concerns for health/welfare of cows, not humans though).
So . . . the milk from the US is unsalable in Canada because it contains growth hormone that is banned in our country.
You said "most milk is unsalable" and "the milk is unsalable" when that is not true. It is true of less than 10% of milk. This is like saying Americans are not allowed in Canada because so many Americans use illegal drugs. Those drugs are illegal in both the US and Canada, and the fact that some Americans are not allowed into Canada because they possess drugs does not mean that Americans are not allowed into Canada. It just means that Americans who possess drugs are not allowed into Canada.
I linked articles that clearly explain the difference between Canada's policy of not allowing any antibiotics to be tested, and the US policy of allowing some antibiotics to be tested. They also describe the penalties (which are more severe for violation in Canada than the US). That's part of why milk from the US is not really salable under Canadian guidelines.
There's always a threshold. I've found documents that say the US doesn't allow any "detectable" amount of antibiotics in their milk...but then detection got better, and they had to have a limit. I'm sure Canada has a limit too, and the fact that their dairy trade groups say "none" is allowed is laughable. We can detect at the parts per trillion level, and at that level there's a bunch of pharmaceuticals in drinking water in every country, and I guarantee milk as well. So like I said, in the absence of a numerical threshold, there's no way to say what the relative levels are.
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That's true, but even putting aside Canada's quota system . . . most milk sold in the US would not pass Canada's food and safety regulations due to the hormones and antibiotics present in it.
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From the article - US milk does contain synthetic growth hormones, this has resulted in a ban in Europe, Japan, Australia and New Zealand. The growth hormone is not approved for sale in Canada (this occurred because of concerns for health/welfare of cows, not humans though).
So . . . the milk from the US is unsalable in Canada because it contains growth hormone that is banned in our country.
You said "most milk is unsalable" and "the milk is unsalable" when that is not true. It is true of less than 10% of milk. This is like saying Americans are not allowed in Canada because so many Americans use illegal drugs. Those drugs are illegal in both the US and Canada, and the fact that some Americans are not allowed into Canada because they possess drugs does not mean that Americans are not allowed into Canada. It just means that Americans who possess drugs are not allowed into Canada.
That's a fair point I suppose.
A certain percentage of US milk probably would meet the testing standards . . . if the milk producers paid to perform the tests and separated the bad from good batches. Right now this doesn't happen and the bad is mixed in with the good in US milk.
It would have been more correct to say that milk which does not meet Canadian testing standards for growth hormone and antibiotics is unsalable because of likelihood of contamination. That of course, includes most US milk.
I linked articles that clearly explain the difference between Canada's policy of not allowing any antibiotics to be tested, and the US policy of allowing some antibiotics to be tested. They also describe the penalties (which are more severe for violation in Canada than the US). That's part of why milk from the US is not really salable under Canadian guidelines.
There's always a threshold. I've found documents that say the US doesn't allow any "detectable" amount of antibiotics in their milk...but then detection got better, and they had to have a limit. I'm sure Canada has a limit too, and the fact that their dairy trade groups say "none" is allowed is laughable. We can detect at the parts per trillion level, and at that level there's a bunch of pharmaceuticals in drinking water in every country, and I guarantee milk as well. So like I said, in the absence of a numerical threshold, there's no way to say what the relative levels are.
It's pretty clearly stated in our ontario laws here: https://www.ontario.ca/laws/regulation/900761 (https://www.ontario.ca/laws/regulation/900761)
1. In this Regulation,
...
“inhibitor” means any antibiotic, medicine or chemical that can be detected in milk; (“inhibiteur”)
and
5. (1) No producer shall sell or offer for sale milk or cream that,
(a) is obtained from an animal,
(i) in the period of fifteen days before, or in the period of three days after, parturition, or such longer period as is required to insure that the milk or cream is colostrum-free,
(ii) to which an inhibitor has been administered, during the period of medication and for such period following the last treatment as is sufficient to ensure that the milk or cream does not contain an inhibitor when tested by an official method at a laboratory approved by the Director, or
(iii) that is not in good physical condition and free from any illness or disease that adversely affects the quality or flavour of the milk or cream;
(b) is not clean;
(c) has an objectionable flavour or odour;
(d) shows evidence of being watery, flaky, stringy, bloody, thick or adulterated;
(e) shows evidence of coagulation;
(f) contains any foreign substance;
(g) has an abnormal freezing point as described in subsection 52 (5);
(h) contains an inhibitor, when tested by an official method at a laboratory approved by the Director;
So, contrary to your opinion there is no acceptable legal level of antibiotics in Canadian milk. (At least in Ontario milk, which is the one that I'm concerned about as I live here.)
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In my area milk briefly jumped in price with the limited availability in the shopping rush of late March. Since then the prices have settled back into their normal range.
Is anyone finding any super-cheap deals in quarantine that are not milk or milk-related products?
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(h) contains an inhibitor, when tested by an official method at a laboratory approved by the Director;
So, contrary to your opinion there is no acceptable legal level of antibiotics in Canadian milk. (At least in Ontario milk, which is the one that I'm concerned about as I live here.)
And when we know what detection method is used, and what a passing score is, we can evaluate the comparative thresholds. Like I said before.
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The article doesn't discuss antibiotics in US milk at all. Regular milk sold in the US contains trace amounts of antibiotics. Cows receiving antibiotics are commonly milked, and this milk is then distributed to customers. This milk would be unsalable in Canada, where any cow on antibiotics must have it's milk destroyed.
What if I told you that Canada allows injection of ceftiofur sodium with zero milk withdrawal time?
In the US, all antibiotics approved for use in dairy cattle have established withdrawal times which are probably equivalent to the withdrawal times in Canada. I haven't checked each one to make sure they're the same, but the standards are pretty widespread. Ceftiofur is an outlier with a zero withdrawal time because it pretty much does not appear in the milk.
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I've never seen gas below $2/gal in my life (or remembered it at least). Doubt I'll ever see this again.
In all fairness, that's only partly due to falling demand. Prices went down sharply because of the collapse of a supply deal between Russia and... Iran, maybe?
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The article doesn't discuss antibiotics in US milk at all. Regular milk sold in the US contains trace amounts of antibiotics. Cows receiving antibiotics are commonly milked, and this milk is then distributed to customers. This milk would be unsalable in Canada, where any cow on antibiotics must have it's milk destroyed.
What if I told you that Canada allows injection of ceftiofur sodium with zero milk withdrawal time?
In the US, all antibiotics approved for use in dairy cattle have established withdrawal times which are probably equivalent to the withdrawal times in Canada. I haven't checked each one to make sure they're the same, but the standards are pretty widespread. Ceftiofur is an outlier with a zero withdrawal time because it pretty much does not appear in the milk.
As posted above:
5. (1) No producer shall sell or offer for sale milk or cream that,
(a) is obtained from an animal,
(ii) to which an inhibitor has been administered
I mean, that seems pretty clear cut to me. What you're describing sounds like it would be in a violation of Ontario's law. Is ceftiofur sodium not classified as an antibiotic?
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Not to belittle the seriousness of the coronavirus but I've noticed some things are super cheap right now. I normally shop at Goodwill but some clothing stores are matching those prices. The other day I saw a tablet reduced almost 50%. It seems the clothing and electronic industries are trying to sell off stock.
Have you noticed things that are worth buying now?
Not yet. I don't think that financial hardship is real for most people yet. They're getting free money from the gov't, they're deferring their mortgages, they're getting rent assistance, so all those things that would otherwise be a huge problem, simply stated, aren't.
And as long as it's not a problem, why let things go for cheap?
Once/if these programs end, and people still have problems, that's when you'll see the deals. Once/If "if I don't sell this guitar for whatever cash I can, I don't eat"materializes, that's when you'll see deals. That's still months out.
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I paid $1.25/gallon for gas about 2 weeks ago. Our gas budget is $250/month. We spent around $80/month the last two months.
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Mortgages. In the middle of a refi after finding a lender that doesn't drive me crazy
https://fred.stlouisfed.org/series/MORTGAGE30US
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Milk's down to a buck a gallon. That's the same as I remember about 40-45 years ago, not inflation adjusted!
Gas too, but we use more milk than gas right now.
A buck? Really? It's the usual price here - 4.75 Cdn. And that's for 4 litres, which I believe is less than a gallon.
Less than a British gallon, more than an American gallon (3.78l)
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And really, for all that people are wailing about the collapse of the economy, as things open up here, there are enough people to wait in line for 45 minutes to get into Buffalo Wild Wings or TJ Maxx. Places like Home Depot are crowded. That was not the case in 2008.
I don't see this being the same comparison.
First BWW and TJM have been closed for a while now so people are just itching to shop and eat now.
Second, I'm pretty sure BWW and TJM are limiting capacity which is why people are waiting in line.
If these places been opened all this time and no limited capacity, I'm pretty sure there won't be lines.
Of course Home Depot and Lowes are busy for obvious reason. Everyone is sitting at home doing home improvements.
I've been wondering about this, because on the one hand you see a lot of photography of crowded public locations, but even here in Texas I hear a lot of people talking about limiting their trips out, both anecdotally and also looking at things like traffic, which is worse than it was during the full shut down but still way better than normal. I think part of it is that there are fewer places to go, and those are limiting capacity, so even the smaller number of people who are willing to go out make them look busy. My employer is opening this weekend and it will be interesting to see whether people actually show up.
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If you're into spending money on classic cars and supercars, prices seem to have dropped a lot. A McLaren Senna that was going for $1,500,000 a few months ago can be had for $800,000. Bargain!
McLaren values depreciate a lot all-round. Although I've been eyeing off a 570S for a while and the local listings haven't taken a dip at all; I've seen one car advertised for 9 months at the same price. Realistically, it must have dived at least $25k at that price. I might wait a little longer for the real pain to hit dealers and then put some enquiries through.
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Mortgages. In the middle of a refi after finding a lender that doesn't drive me crazy
https://fred.stlouisfed.org/series/MORTGAGE30US
Just wait. I wouldn't be surprised to see the 30 year at 3% by year end.
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My Australian mortgage is at 2.88%
After tax, the effective interest rate on my property is 1.53%!
Best finance terms you'll ever get - as soon as I have the financial capacity to do so, I'm going to buy another house and take advantage of the low rates.
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My Australian mortgage is at 2.88%
After tax, the effective interest rate on my property is 1.53%!
Best finance terms you'll ever get - as soon as I have the financial capacity to do so, I'm going to buy another house and take advantage of the low rates.
Many Americans lost the tax advantages of a mortgage with the 2017 tax act, including yours truly. So my after tax cost makes paying it off somewhat attractive. Im not looking to send this topic into the weeds with a discussion of paying off your mortgage versus not, just pointing out that the tax impact of mortgage interest can be significant.
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Peapod grocery delivery (today), one lb of butter was $1.67! I ordered 6 lbs! I heard in Michigan at one store butter was $1.99 a pound. Butter in my area has been creeping up to $5 a pound.
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Used late model low mileage rental cars for sale Hertz and Avis in southern CA seem very cheap right now
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Used late model low mileage rental cars for sale Hertz and Avis in southern CA seem very cheap right now
Hertz also just filed for bankruptcy. I wonder if we'll see more deals on their stock for locations they wind up closing...
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Mortgages. In the middle of a refi after finding a lender that doesn't drive me crazy
https://fred.stlouisfed.org/series/MORTGAGE30US
Just wait. I wouldn't be surprised to see the 30 year at 3% by year end.
On average ... sure. That what I’ve locked in now, and I’ve heard sub-3 is getting more common under the right circumstances. Hardest part for me was last month when lenders were overwhelmed and you had to wait on hold forever to get a loan estimate (by the way when did they stop calling it a good faith estimate? Is it no longer in good faith?)
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Bank stocks?
<edit: no, wait, I guess that's not specifically due to the quarantine...>