I think I'm done collecting.

[Maglor]

Sorry for misinterpreting your irony. [Although there are no "smiley faces" in this part:

Priorities, people, priorities. Here they are in order of importance:

1) Family
2) Collection
3) Self
4) Friends

]



but I still disagree with the "get a second job" argument.

 

[Something Sexy]

Maybe I should get special emoticons for some of you guys who can't inerpret smiley faces.

(insert non-existent "whatever-smiley-will-help-maglor-and-something-sexy-to-identify-humor" emoticon here)

for everybody else...





This is really cute. But really doesn't do anything to lend support to the point.

 

[Skiman]

 

[Sweet Rabbit]

^^^ You guys are going to laugh, but the vehicle I loved the most was my '93 Ford Ranger pickup truck in Teal Green. I owned that sucker for about 6 years and the only thing I had to fix on it was the starter. Everything else...flawless. I just wish I could say the same about the other 3 Fords I've owned.

ford = found on road dead

 

[Darth Cruel]

TurdFergusen - Despite the rhetoric, my advice stands. It is not difficult to find a second job, nor a better-paying one. It does not have to be the burden that some seem to think it is. It is a simple ideal and has helped me a hell of a lot. Taking it or leaving it is up to you.

L.P.O.T.S.

 

[SnakeDoctor]

Yeah, you lazy ____s! Cause we all know how simple it is to find better paying jobs and also how easy it is to work two jobs

Bookie: I'm in the hole, I pay him two grand a week. There's no profit, I pay him two grand a week.

Mr. French: Well make more _____*in' money. This is America. You don't make money, then you're a _____*in' d*****bag.

[pulls out gun]

Mr. French: Now what you ganna do?

[kicks him]

Bookie: I'll make more money!

Mr. French: That's the spirit!

SnakeDoc

 

[TurdFerguson]

TurdFergusen - Despite the rhetoric, my advice stands. It is not difficult to find a second job, nor a better-paying one. It does not have to be the burden that some seem to think it is. It is a simple ideal and has helped me a hell of a lot. Taking it or leaving it is up to you.

L.P.O.T.S.

Thank you very much, I said it before but I really do appreciate the advice.

 

[316what]

Man ... I hate to break it to you, but if you can't afford to pay bills, you shouldn't buy a new car.

Actually ... if you have less than a mid-six-figure net worth, you should always be driving used cars. And, you should save up and buy in cash. I bought a used Jeep Grand Cherokee in 2002 for $14K. After 5 years of payments and tax, title, etc ... ended up paying about $27K for it. It ain't worth it.

If you finance a $25K car today ... in five years time it'll have cost you $35K, and be worth about $5K (if that). In the meantime, you'll owe more than the car is worth. That's 30-grand that you'll never see again. You'd be better off driving a beater and shoving the "car payment" into a savings account (to upgrade your car, and have a safety net). Buy a $1K car, save up and trade it with cash for a $3K car, save up and trade it with cash for a $5K car ... and save the rest. In 5 years time you'll still be driving a car worth $5K, but you'll have quite a big savings account.

Rich people didn't get rich by spending every nickel they make. Buy used, buy cash, put the monthly car payment in a savings account or IRA for the rest of your life and you'll retire a millionaire. I'd rather be rich with a crappy car than broke and flashy.

Buy "The Total Money Makeover" by Dave Ramsey. He knows his stuff. Completely remade my finances ... which is how I can support my wife, my kids, my expenses, my debts (which we are in the process of paying off), and my hobbies ... with money to spare.

SnakeDoc

I was waiting for someone to bring up Dave Ramsey.

I somewhat followed his advice. I drove my 99 Jeep Grand Cherokee for 11 years...over 6 years without a car payment. I took 1/2 of the money I was spending on payments and paid myself. Then last month when the Jeep was becoming unprofitable to drive, I sold it for $4k and added that to my savings to pay for my 2010 F-150. I love no car payments.

And now I'm putting more money away: 1/2 of what the original Jeep payments were and the difference in what payments would have been on the F-150. It just sucks that interest rates are so damn low right now.

Very true, but even though this might not end up being true but I plan to have this car for a long time and even if it depreciates it'll still be an awesome car. It's deja vu for me because I said this when I got my first car, the 442. I planned it to be the car I pass on to my kids but that didn't last to long.

Now you're making me laugh: you plan on having an American made car for a long time. You'll be happy if it's still running properly when the final payment is made.

In all seriousness, at your age you should not be spending $20K on a vehicle. Not that you can't, but I'd bet just about anything, before the car is paid off you'll have a family (whether on purpose or accidentally) and then you won't be able to afford the car OR will have to trade it in for a minivan.

 

[Something Sexy]

I was waiting for someone to bring up Dave Ramsey.

I somewhat followed his advice. I drove my 99 Jeep Grand Cherokee for 11 years...over 6 years without a car payment. I took 1/2 of the money I was spending on payments and paid myself. Then last month when the Jeep was becoming unprofitable to drive, I sold it for $4k and added that to my savings to pay for my 2010 F-150. I love no car payments.

And now I'm putting more money away: 1/2 of what the original Jeep payments were and the difference in what payments would have been on the F-150. It just sucks that interest rates are so damn low right now.



Now you're making me laugh: you plan on having an American made car for a long time. You'll be happy if it's still running properly when the final payment is made.

In all seriousness, at your age you should not be spending $20K on a vehicle. Not that you can't, but I'd bet just about anything, before the car is paid off you'll have a family (whether on purpose or accidentally) and then you won't be able to afford the car OR will have to trade it in for a minivan.anic:

100% agreed with this. My first job out of college, which I am still at, paid/pays VERY well and I still bought my self a used Toyota Corrolla instead of some brand new fancy car. Car runs great and saves me even more money.

 

[Skiman]

I know how enticing it looks and feels to have a new car at 20-30-50G range at the age. I'm pretty sure it's terribly hard to see the big picture but everyone learns....

everyone learns... and if you don't, may god be with you my brother.

 

[316what]

I know how enticing it looks and feels to have a new car at 20-30-50G range at the age. I'm pretty sure it's terribly hard to see the big picture but everyone learns....

everyone learns... and if you don't, may god be with you my brother.

There's a reason most Corvette owners are in their late 40's and 50's.

 

[The Ween]

I was waiting for someone to bring up Dave Ramsey.

I somewhat followed his advice. I drove my 99 Jeep Grand Cherokee for 11 years...over 6 years without a car payment. I took 1/2 of the money I was spending on payments and paid myself. Then last month when the Jeep was becoming unprofitable to drive, I sold it for $4k and added that to my savings to pay for my 2010 F-150. I love no car payments.

And now I'm putting more money away: 1/2 of what the original Jeep payments were and the difference in what payments would have been on the F-150. It just sucks that interest rates are so damn low right now.



Now you're making me laugh: you plan on having an American made car for a long time. You'll be happy if it's still running properly when the final payment is made.

In all seriousness, at your age you should not be spending $20K on a vehicle. Not that you can't, but I'd bet just about anything, before the car is paid off you'll have a family (whether on purpose or accidentally) and then you won't be able to afford the car OR will have to trade it in for a minivan.

People must drive the ____ out of their cars. My family have always had our cars for more then 10 years with little problems, all American. We've always had large downpayments and get new cars with zero or little interest. Mom got her's with 0% through Ford and I got mine for .9%. We've never went over 3 years on payments. I've never understood all this bad talk about American cars.

 

[gibby]

Why do people pay down soooo much cash when buying a new car? Is it because the finance rates you're getting aren't so good?

 

[Skiman]

Why do people pay down soooo much cash when buying a new car? Is it because the finance rates you're getting aren't so good?

Less to pay up over time and getting a better interest rate as well with a bigger down payment.

The more you are paying with interest, the more the car dealership gets you in

 

[gibby]

I guess I've been very fortunate...got 0% for 60mos on my last two new cars (Buick Regal and Chevy Corvette).

Put down the bare minimum, too.

Took the "extra" and rolled it into my daytrading account.

 

[Skiman]

I guess I've been very fortunate...got 0% for 60mos on my last two new cars (Buick Regal and Chevy Corvette).

Put down the bare minimum, too.

Took the "extra" and rolled it into my daytrading account.

If u can get that locked down in written that's a good deal.

 

[316what]

If u can get that locked down in written that's a good deal.

It all depends on your credit score. When I finance anything it's always for 0% over the term, whether it's 24 or 60 months.

 

[Skiman]

It all depends on your credit score. When I finance anything it's always for 0% over the term, whether it's 24 or 60 months.

 

[316what]

I love my 825, lol.

 

[The Ween]

I love my 825, lol.

Me too. I know mine's in the 800s, just not sure exactly what.

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