"Sugarbabies" / "Arrangements" Amateurs or Not?

[Passport4]

I do lease a BMW SAV as a company vehicle; I don't know much about this because I pay someone to figure it out for me, but what I do know; There are no tax advantages for personally leasing a car (not sure why anybody would do that because at the end of the day (1) lease payment ends up higher than a simple 36/ mo. Car loan payment (2) at the end of the lease term limit you don't own the car), unless you are self-employed using or a business owner. Whereas a business owner can claim the lease payments expense, maintenance and operating expenses, milage on your tax returns. I think? The IRS will allow a portion of lease ownership to be depreciated. The BMW I had before the one I lease now, I negotiated to purchase it at the end of the lease term at $0. 80 on the dollar below retail sales price and flipped it for 5 K gain.

It's my opinion, I'm having a hard time wrapping my head around pussy being a commodity and (vs) Luxury. No matter what your economic status, it's all relative to what is affordable. You are going to pay for it one way or another. And yes, I like variety, whether its free (having and SO or GF depends if she is high maintenance or not) or online shopping no matter how you look at it, pussy is pussy. I'm pretty much done with the on-line SB dating, although there are many variables in SB searching off-line, but on-line basically setting up a paid profile and account, finding an emotionally stable chick, the back-and-forth communication, negotiations, meet and greet. Ect, ect. And if she is not hosting renting a decent economical non-bed bug infested FC tends to be just to frigging time consuming. The only advantage is with the on-line SB shopping is stumbling upon a UTR low volume pro. I doubt very seriously those POT SB's had a real SD whale paying bucu $ for a meet and greet. They are just full of crap and are fishing. I have had that happen a few times and told the POT that I'm interviewing them for a mutually beneficial relationship have a nice day if you don't want to meet to discuss an arrangement.

In my world time=money and the time spending managing mutable POT's to possible fruition doesn't compute as good commodity or luxury investment when you can go to Tryst, PD, Eros or an agency (or low budget gamble with an ACS) to get lots variety and instant gratification without all the drama.

I did not intend to hijack this thread to have a leasing discussion, but since you replied with your thoughts on leasing, I felt I should respond. Also, the original poster implied that most BMW drivers are not in the 1% which may or may not be correct. Maybe some of you mongers can learn a thing or 2 about leasing and save enough to pay for taking a lady to the FC.

You are correct about there being no tax advantages of a personal lease. I began leasing in the early 90's when I would take a 2 year lease and get a new car every year. One year was mine, and the next year was my wife's. A 2 year lease is not the best decision as the car does the most depreciation then and therefore the residual drops the most in the first 24 months making the payment higher. But there were advantages of doing this. You could actually get equity in the vehicle as it would be worth more than what the residual was. At that time which was in the earlier days of personal leasing, BMW allowed you to buy the car at the residual, but you could jump the title and sell it to someone without you actually registering it and paying the sales tax. All you had to do was some paperwork and see that they got their money from either you or the buyer. So you could make profit which made up for the higher monthly payment. And if you did what I would do and order a car to arrive as soon as the new model was released, your car would be 24 months old at time of lease end, but the car would only be 1 model year old. This worked for about 4 vehicles and then BMW stopped letting you jump the title.

When BMW made a bad calculation on the 6 series residual, the car was worth more than $10,000 less than the residual, so you would not want to buy it off lease. But working with a good dealer, they got to be able to buy it for less from BMW and I actually bought my own car off lease for $10,000 less than the residual. Imagine if you owned the car or had financed it and the value was $10,000 less overnight. And I never actually delivered the car to the dealer as they just did a paperwork transaction. (This happened recently on the 8 series as BMW dropped the MSRP on the 8 for 2022 so many who bought the 2021 will be burned) Well BMW in the last couple years closed that loophole too. The dealer can buy the car off lease and it is based on auction prices so it is usually much less than the residual. (may not be the case today due to the shortage of used cars) But if the dealer sells it back to the original owner, they can only make a few hundred dollars instead of several thousands selling to a new person as BMW will penalize them.

I feel that I am knowledgeable on buying versus leasing and have done both on a lot of BMW's since those early days. And if you can afford to either buy or lease, there is no one correct answer. That is why I crunch the numbers on each vehicle as it all depends on the situation at the time of vehicle purchase and what the factory is offering. One thing that I do know is that you can never beat the dealer. They are always looking at every angle to get you for a few hundred extra especially many dealers marking up the money factor over what the actual BMW money factor is. It only adds maybe $20 a month to the payment, but that is between $240 to $360 depending on the lease time. This is additional profit to them and a loss to you that could pay for one romp in the FC.

[Wysiwug]

The fact that so many BMW's and other cars are leased has to do with the monthly payment being lower than financing the car. The manufacturers have been subsidizing leases for many years in various ways. A lease payment is made up of the MSRP, the negotiated price, the residual percentage (what the buyout / value is at lease end) and a money factor (interest rate).

The manufacturers can offer lease cash which can lower the price of the car. They can also raise or lower the residual value. When the residual is high, the payment is less. Occasionally, they miscalculate and the residual is too high which is good for the consumer, but not the manufacturer. Also they can raise or lower the money factor. A lower money factor is a lower interest rate.

Due to the current shortage of cars, many of the manufacturers are no longer aggressive in supporting a lease and there is a lot of sticker shock when people's leases end and they want to go into a new lease. Because of this, a lot of people are buying out their old lease, especially since they have driven less in the last few years. This in turn has caused a shortage in good used cars coming off of lease and makes for higher prices of used cars.

I have both a 2021 and 2022 higher end BMW. I leased the 2021 when it first came out in 2020 as I crunched the numbers and with lease support, the payment was less than what I was paying for the identical 2018 model that I turned in. I would have purchased the 2018 as it was extremely low mileage, but BMW would not negotiate a lower buyout and the buyout price was more than the car was worth both wholesale and retail. On the 2022, I crunched the numbers and leasing did not make sense. As I had the money, I paid cash. I calculated that based on the residual they figured in a lease, that the car had to depreciate an additional $10,000 for me to have made a mistake. Since the residual was low, I felt that this would probably not happen. Also, unless you invest the cash and are a winner, you cannot make money just sitting on the cash or putting it into savings. Whether I am right or wrong on the 2022, only time will tell. But I do like not being on a lease where you have to make a decision at lease end instead of making a decision on a vehicle whenever you want to.

With this said, I will not pay a ridiculous price for Pussy and will wait till rates come down. I too believe they will.

I do lease a BMW SAV as a company vehicle; I don't know much about this because I pay someone to figure it out for me, but what I do know; There are no tax advantages for personally leasing a car (not sure why anybody would do that because at the end of the day (1) lease payment ends up higher than a simple 36/ mo. Car loan payment (2) at the end of the lease term limit you don't own the car), unless you are self-employed using or a business owner. Whereas a business owner can claim the lease payments expense, maintenance and operating expenses, milage on your tax returns. I think? The IRS will allow a portion of lease ownership to be depreciated. The BMW I had before the one I lease now, I negotiated to purchase it at the end of the lease term at $0. 80 on the dollar below retail sales price and flipped it for 5 K gain.

It's my opinion, I'm having a hard time wrapping my head around pussy being a commodity and (vs) Luxury. No matter what your economic status, it's all relative to what is affordable. You are going to pay for it one way or another. And yes, I like variety, whether its free (having and SO or GF depends if she is high maintenance or not) or online shopping no matter how you look at it, pussy is pussy. I'm pretty much done with the on-line SB dating, although there are many variables in SB searching off-line, but on-line basically setting up a paid profile and account, finding an emotionally stable chick, the back-and-forth communication, negotiations, meet and greet. Ect, ect. And if she is not hosting renting a decent economical non-bed bug infested FC tends to be just to frigging time consuming. The only advantage is with the on-line SB shopping is stumbling upon a UTR low volume pro. I doubt very seriously those POT SB's had a real SD whale paying bucu $ for a meet and greet. They are just full of crap and are fishing. I have had that happen a few times and told the POT that I'm interviewing them for a mutually beneficial relationship have a nice day if you don't want to meet to discuss an arrangement.

In my world time=money and the time spending managing mutable POT's to possible fruition doesn't compute as good commodity or luxury investment when you can go to Tryst, PD, Eros or an agency (or low budget gamble with an ACS) to get lots variety and instant gratification without all the drama.

[DoggieFan]

So I've been seeing this one SB for a while now and she started to add a lot of rules. We went from BBBJ to CBJ, and just limiting other activates while asking for money for "medical help for a procedure" which leads me to to think of one thing that involves BBFS / CIP or I might be overthinking it. Her seeking profile for reference, I know a few here have written about her, and I have as well. I can't help but think I might be getting played, has anyone else had this happen with a SB. Is she doing these same rules with others or am I getting the short end of the arrangement.

https://members.seeking.com/member/9...8-0ac3f96f53dc

Yes, you are over thinking. No idea why CBJ but I believe she may have had a brief time period her birth control had expired & she was being careful. The "procedure" I'm guessing was the thing that goes under the skin that provides three years of protection.

I know she has lost some regulars so she's probably looking for a few good men. As soon as she does she'll delete the long on SA again, I would bet. It's been well over a year since it was up before, I believe she lived in Charlottesville when she first joined, then moved to the Richmond area?

[Passport4]

Eh, IMHO pussy is both a commodity and a luxury. High end Eros & Tryst type girls are the Luxury stuff. The rest, SBs included are a commodity. As the marginal and unknowledgeable players get washed out of the game when a recession happens, then the supply of Daddies will shrink and a girl can either "have a sale" or go without extra funds.
.

Oh and on the luxury car thingie. Apparently 75% of the BMWs that leave a lot in any year are under a "fLease" so not high rollers buying them.

The fact that so many BMW's and other cars are leased has to do with the monthly payment being lower than financing the car. The manufacturers have been subsidizing leases for many years in various ways. A lease payment is made up of the MSRP, the negotiated price, the residual percentage (what the buyout / value is at lease end) and a money factor (interest rate).

The manufacturers can offer lease cash which can lower the price of the car. They can also raise or lower the residual value. When the residual is high, the payment is less. Occasionally, they miscalculate and the residual is too high which is good for the consumer, but not the manufacturer. Also they can raise or lower the money factor. A lower money factor is a lower interest rate.

Due to the current shortage of cars, many of the manufacturers are no longer aggressive in supporting a lease and there is a lot of sticker shock when people's leases end and they want to go into a new lease. Because of this, a lot of people are buying out their old lease, especially since they have driven less in the last few years. This in turn has caused a shortage in good used cars coming off of lease and makes for higher prices of used cars.

I have both a 2021 and 2022 higher end BMW. I leased the 2021 when it first came out in 2020 as I crunched the numbers and with lease support, the payment was less than what I was paying for the identical 2018 model that I turned in. I would have purchased the 2018 as it was extremely low mileage, but BMW would not negotiate a lower buyout and the buyout price was more than the car was worth both wholesale and retail. On the 2022, I crunched the numbers and leasing did not make sense. As I had the money, I paid cash. I calculated that based on the residual they figured in a lease, that the car had to depreciate an additional $10,000 for me to have made a mistake. Since the residual was low, I felt that this would probably not happen. Also, unless you invest the cash and are a winner, you cannot make money just sitting on the cash or putting it into savings. Whether I am right or wrong on the 2022, only time will tell. But I do like not being on a lease where you have to make a decision at lease end instead of making a decision on a vehicle whenever you want to.

With this said, I will not pay a ridiculous price for Pussy and will wait till rates come down. I too believe they will.

[OliverNP]

Oh and on the luxury car thingie. Apparently 75% of the BMWs that leave a lot in any year are under a "fLease" so not high rollers buying them.

I can certainly believe that. I never got the allure of leasing personally, it seems to me like giving too much control over the financial situation to someone else and the lease payments aren't typically THAT much less than financing.

I bought an expensive foreign car right before the pandemic hit, paid cash. Some friends were razzing me about depreciation, but I love the car and many of the premium options I got on it have since been removed from the menu on a new vehicle because of supply chain issues - can't even get this car any more. Those who leased got extra-fucked I guess. I'll probably keep it longer than I originally expected, it's still barely got any miles because my job & travel situation changed with COVID. I wonder how many dudes leased and never even drove their cars for the amount of miles they pre-paid for.

[Shampoo55]

There are a few different schools of thought on this and I'm always interested in other's thoughts. In the study of economics, luxury items have extremely high price elasticity, meaning demand for them drops substantially during economically lean times. Examples of expenditures on elastic goods and services are vacations, jewelry, luxury cars. Examples of inelastic expenditures are paying rent and groceries, gas, repairs on existing cars, etc.

As you pointed out, pussy is a luxury. But just like luxury cars, jewelry and other items, often is purchased by those who can afford to indulge enough to "get the taste of luxury". Mercedes Benz, BMW, and similar brands are considered luxury, but there is a reason they choose to put some of their luxury goods within the purchasing range of the middle class and a reason we see so many of them on the road (not just the "1% That is because they know that the fact they can sell an occasional six-figure car in one economy doesn't mean they will still be able to a few months later, and overall they will be able to weather storms better if they know how to produce more units of cars that can be sold at some reasonable volume rather than a few units of mega-priced vehicles.

Personally I don't think most SDs are in the 1%, and are not independently wealthy by the pure definition, at least that's been my impression from the stories I hear from the girls I've known. They are more likely to be six-figure+ earning working men, and their spending power (and even employment opportunities) would be impacted by a deep recession, WWIII, or similar. At the same time low-wage job opportunities (restaurant servers etc) would tend to become more sparse. Company layoffs and so forth tend to have a fear-inducing affect that reduces consumer confidence, and I believe such an event would result in a pull back of spending by many SDs and simultaneously induce a lack of income crisis for girls in the typical SB age demographic.

So, while I don't claim to have a crystal ball, I believe that would amount to (A) more girls needing help and (B) less SDs willing to throw money out the window to get laid.

I personally believe that between the pandemic and supply chain issues that have resulted from that, as well as political disturbances going on in eastern Europe, the conditions are set up for a truly epic, perfect storm. I could be wrong but it's starting to look increasingly likely we will get a chance to test that theory soon... I've just learned to trust my instinct over the years and decades, they almost never let me down.

It sort of matches up if you think about it. Right now SDs are complaining off too much GPS, too few girls available, etc. Inflation is going through the roof, real estate bubbles everywhere, and now the creaking sounds of a pending collapse can be heard.

Eh, IMHO pussy is both a commodity and a luxury. High end Eros & Tryst type girls are the Luxury stuff. The rest, SBs included are a commodity. As the marginal and unknowledgeable players get washed out of the game when a recession happens, then the supply of Daddies will shrink and a girl can either "have a sale" or go without extra funds.

But hey Simps are out there! Had a SB recently tell me a dude met her for lunch and forked over $1 K at the lunch and they had not even gotten to the "dating" part yet. To tell the truth me thinks this was her little "game" to get me to the same level. Then again there apparently are dumb guys out there. I mean who pays a SB with a check? LOL!

But IF we get a recession, a s long as the dudes with money hang on to it and ration it wisely, yeah, prices will go down.

Oh and on the luxury car thingie. Apparently 75% of the BMWs that leave a lot in any year are under a "fLease" so not high rollers buying them.

[OliverNP]

A recession hurts people who work for a living, not those who are independently wealthy. A SB is the former; a SD is the latter (usually). Wealth is unlikely to be affected much by a recession and the price of pussy is also relatively unaffected, since it is a luxury good. Pussy, like any luxury, is worth what SDs will pay for it. If enough SDs pay a given price, well that's what the pussy is worth. If enough SDs refuse to pay that price, the price will come down. It is basic economics: supply and demand. People once paid enormous prices for tulip bulbs (the first bubble) until they didn't, and the prices came crashing down. Sooner or later a price finds a level that is rational.

There are a few different schools of thought on this and I'm always interested in other's thoughts. In the study of economics, luxury items have extremely high price elasticity, meaning demand for them drops substantially during economically lean times. Examples of expenditures on elastic goods and services are vacations, jewelry, luxury cars. Examples of inelastic expenditures are paying rent and groceries, gas, repairs on existing cars, etc.

As you pointed out, pussy is a luxury. But just like luxury cars, jewelry and other items, often is purchased by those who can afford to indulge enough to "get the taste of luxury". Mercedes Benz, BMW, and similar brands are considered luxury, but there is a reason they choose to put some of their luxury goods within the purchasing range of the middle class and a reason we see so many of them on the road (not just the "1% That is because they know that the fact they can sell an occasional six-figure car in one economy doesn't mean they will still be able to a few months later, and overall they will be able to weather storms better if they know how to produce more units of cars that can be sold at some reasonable volume rather than a few units of mega-priced vehicles.

Personally I don't think most SDs are in the 1%, and are not independently wealthy by the pure definition, at least that's been my impression from the stories I hear from the girls I've known. They are more likely to be six-figure+ earning working men, and their spending power (and even employment opportunities) would be impacted by a deep recession, WWIII, or similar. At the same time low-wage job opportunities (restaurant servers etc) would tend to become more sparse. Company layoffs and so forth tend to have a fear-inducing affect that reduces consumer confidence, and I believe such an event would result in a pull back of spending by many SDs and simultaneously induce a lack of income crisis for girls in the typical SB age demographic.

So, while I don't claim to have a crystal ball, I believe that would amount to (A) more girls needing help and (B) less SDs willing to throw money out the window to get laid.

I personally believe that between the pandemic and supply chain issues that have resulted from that, as well as political disturbances going on in eastern Europe, the conditions are set up for a truly epic, perfect storm. I could be wrong but it's starting to look increasingly likely we will get a chance to test that theory soon... I've just learned to trust my instinct over the years and decades, they almost never let me down.

It sort of matches up if you think about it. Right now SDs are complaining off too much GPS, too few girls available, etc. Inflation is going through the roof, real estate bubbles everywhere, and now the creaking sounds of a pending collapse can be heard.

[Shampoo55]

Get rid of her she is acting up on you. And she's not even that cute. I had this asian who is fine on the site and she is like two hours away. To drive to me she wanted $80 dollars I'm like what guys are paying these chicks $80 before even meeting them. Or maybe that's what I should be doing but I refuse to do it. I offered to pay her gas in full when we meet even if we don't work out and she insisted on the $80 talking about guys have screwed her before.

WOW! A dude who isn't a pushover and a wimp! LOL! Kudos. The reason she does that money upfront stuff is there are plenty of Simps out there that fall for that stuff. They don't know what they don't know, think this is as easy as ordering a pizza on an app and are destined to learn "experientially!

As far as guys screwing her before goes, I get that. She has some risks. I offer to show her I have the money as soon as we meet, but it goes back in the pocket until the date is done. Ran into a real scammer some time ago and she tried, with like a mile of texts, to get $ upfront. Girls will say anything. All of it sounds plausible, logical and rational. But in the long run it isn't. The more or longer a girl argues for the $ upfront, the more convinced a dude should be that it is a scam. It is easier to make up excuses or reasons for the upfront payment than to flatback for the funds.

So yeah, if more guys "got a clue" and didn't fall for this stuff, it would go away. But the only guy watching out for you is the dude staring back at you in the mirror!

[ThatSexyGuy]

I think this is a clear case of "If you have to ask, you already know the answer. ".

BAM.

Get rid of her she is acting up on you. And she's not even that cute. I had this asian who is fine on the site and she is like two hours away. To drive to me she wanted $80 dollars I'm like what guys are paying these chicks $80 before even meeting them. Or maybe that's what I should be doing but I refuse to do it. I offered to pay her gas in full when we meet even if we don't work out and she insisted on the $80 talking about guys have screwed her before.

[EscortReview89]

I get all that, I'm now more interested in if she was ever a BBFS provider, or if anyone else happened to have these issues with her. Might need to cut this one loose, it was a fun time while it lasted.

[BamBam]

So I've been seeing this one SB for a while now and she started to add a lot of rules. We went from BBBJ to CBJ, and just limiting other activates while asking for money for "medical help for a procedure" which leads me to to think of one thing that involves BBFS / CIP or I might be overthinking it. Her seeking profile for reference, I know a few here have written about her, and I have as well. I can't help but think I might be getting played, has anyone else had this happen with a SB. Is she doing these same rules with others or am I getting the short end of the arrangement.

https://members.seeking.com/member/9...8-0ac3f96f53dc

I think this is a clear case of "If you have to ask, you already know the answer. ".

BAM.

[PartyTimeGuy]

From what I'm hearing the cost of pussy has gotten a bit out of hand and could be due for a market correction.

Seriously though, I have a feeling it would be a good thing for the lifestyle, at least for the SDs in relatively recession-proof line of work, and even then it would likely impact the babies way more than daddies.

A recession hurts people who work for a living, not those who are independently wealthy. A SB is the former; a SD is the latter (usually). Wealth is unlikely to be affected much by a recession and the price of pussy is also relatively unaffected, since it is a luxury good. Pussy, like any luxury, is worth what SDs will pay for it. If enough SDs pay a given price, well that's what the pussy is worth. If enough SDs refuse to pay that price, the price will come down. It is basic economics: supply and demand. People once paid enormous prices for tulip bulbs (the first bubble) until they didn't, and the prices came crashing down. Sooner or later a price finds a level that is rational.

Me? I am a value buyer. I look for the best for the least. I have control because I have the dough. I am patient. I make no impulse purchases. I know my market well and what pussy trades for in it. GPS? No thank you. I don't pay extra for the label; a knock-off will do just fine.

[PartyTimeGuy]

So I've been seeing this one SB for a while now and she started to add a lot of rules. We went from BBBJ to CBJ, and just limiting other activates while asking for money for "medical help for a procedure" which leads me to to think of one thing that involves BBFS / CIP or I might be overthinking it. Her seeking profile for reference, I know a few here have written about her, and I have as well. I can't help but think I might be getting played, has anyone else had this happen with a SB. Is she doing these same rules with others or am I getting the short end of the arrangement.

https://members.seeking.com/member/9...8-0ac3f96f53dc

Specifically regarding the move from BBBJ to CBJ? IMHO she has another SD or BF and doesn't want to be spreading contagion and be blamed for it

In general, when a SB starts adding rules, she is making a move to control the situation because she thinks she can. You need to shut that down in a hurry. It will ultimately lead to a request for money (as your situation did), either for something real or just as an excuse to get more money. I had a SB once who asked for a "loan" to get her brother bailed out of jail. I knew I would never see her or that money ever again, or it would be the start of more requests, like I was her personal piggy bank. When I politely refused, she ghosted me forever after, proving my suspicion. She was thinking about leaving me anyway and wanted a going away present.

Women are very good at getting money from men: SBs, GFs whatever. If you are with a woman long enough she will be hinting after your wallet in some way or another: for gifts, favors or actual cash, especially if they think you have money to spread around, which SDs usually give their SBs the impression that they do. When that happens it is either time to be a sap or to pull in the reins and / or pull the plug. No matter how sweet and wonderful and sexually satisfying a SB is, there are plenty more where she came from.

[EscortReview89]

So I've been seeing this one SB for a while now and she started to add a lot of rules. We went from BBBJ to CBJ, and just limiting other activates while asking for money for "medical help for a procedure" which leads me to to think of one thing that involves BBFS / CIP or I might be overthinking it. Her seeking profile for reference, I know a few here have written about her, and I have as well. I can't help but think I might be getting played, has anyone else had this happen with a SB. Is she doing these same rules with others or am I getting the short end of the arrangement.

https://members.seeking.com/member/9...8-0ac3f96f53dc

[SBmidlo]

She seems to be for real. Answered messages and moved to text. She is looking for someone to hook up with her and her husband at the same time. I decided not to bite, not in the mood for a threesome, but might contact her again down the line if I change my mind.

https://members.seeking.com/member/8...e-b35c78154d9c

Search the NOVA board for her. At one point she was offering to meet without the husband. As long as it was filmed for the hubby to view. Would still be a pass for me.