The 3G Ramblings & General Discussion Thread (Trois)

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Old 05-21-2015 | 10:19 AM
  #11401  
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here's the thread where he states he needs to refinance.


https://acurazine.com/forums/second-.../#post15444225

looking at it again, it seems that his credit isnt where it needs to be as indicated in bold

Originally Posted by usdmJON
Oh hell yeah! Thats an awesome feeling. I was so happy when I paid off the loan my mom took for for my first car.

Can't wait to pay off the ILX but before that I still have to refinance. :/
Old 05-21-2015 | 10:19 AM
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You guys have crazy rates on used cars. Best here when not buying in dealership is ~11%. Hence why I pay my cars cash, fuck that 11%.


Edit: Loan my mom took. Sucks to be his mom when you're too nice and you take a loan for your kid so he can look balla in a Civic.
Old 05-21-2015 | 10:23 AM
  #11403  
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don't forget :pb: you gotta convert from Canadian to US interest rates so the difference is negligible

Old 05-21-2015 | 10:23 AM
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Still moving stuff in. All the big stuff is in.

Going to drain the spa tomorrow and refill for the weekend..
Old 05-21-2015 | 10:24 AM
  #11405  
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Originally Posted by Majofo
He advised some guy in RLX to chase down a 90 year old lady while simultaneously calling 911 to report a minor parking lot rub. Then lie to the cops that the bitch hit and run, when OP clearly stated that she didn't even notice she hit him.
TF is wrong with these people in the military these days.

Old 05-21-2015 | 10:24 AM
  #11406  
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Nice!
Old 05-21-2015 | 10:25 AM
  #11407  
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11%

Yeah, screw that. Might as well buy the car on your credit card.
Old 05-21-2015 | 10:26 AM
  #11408  
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Originally Posted by polobunny
You guys have crazy rates on used cars. Best here when not buying in dealership is ~11%. Hence why I pay my cars cash, fuck that 11%.


Edit: Loan my mom took. Sucks to be his mom when you're too nice and you take a loan for your kid so he can look balla in a Civic.
Shit, my Accord was 2.x%
Old 05-21-2015 | 10:26 AM
  #11409  
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Is RLX really proper and polite.. or am I that offensive.
Old 05-21-2015 | 10:27 AM
  #11410  
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They're proper and polite.


Rookies..
Old 05-21-2015 | 10:28 AM
  #11411  
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You have to loosen them up a bit Maj.
Old 05-21-2015 | 10:28 AM
  #11412  
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USDMJon > All Y'all.
Old 05-21-2015 | 10:28 AM
  #11413  
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Gtfo
Old 05-21-2015 | 10:29 AM
  #11414  
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Originally Posted by Flipster23
You have to loosen them up a bit Maj.
I skipped foreplay and went straight for the anus.. dry.
Old 05-21-2015 | 10:29 AM
  #11415  
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no wait, i got that backwards.

USDMJon <<<<<<<<<<<<<<< All Y'all.


there. that's much more logical.
Old 05-21-2015 | 10:29 AM
  #11416  
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Originally Posted by Majofo
I skipped foreplay and went straight for the anus.. dry.
wouldn't be the first time
Old 05-21-2015 | 10:30 AM
  #11417  
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Oh, I thought you were talking about his interest rate.
Old 05-21-2015 | 10:31 AM
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Originally Posted by thoiboi
don't forget :pb: you gotta convert from Canadian to US interest rates so the difference is negligible

Yeah 11% Canadian is like 0.5% US.

Originally Posted by Majofo
11%

Yeah, screw that. Might as well buy the car on your credit card.
Almost, yeah. Rates for CC ~ 13% at best I believe. They got quite the racket going on. The only way to get out of it is to pay used cars cash or to buy a new car with like 1% rates. That's why I'm cheap as heck, after spending the lump sum of $10K on a 10 years old car on a given day you don't exactly have spending money left for car things.

Originally Posted by Flipster23
Shit, my Accord was 2.x%
If it was that easy, I'd have a loan too. Not like I care spending a bit of interest money over the course of a year or two if it means not being super strapped on cash until you recoup.
Old 05-21-2015 | 10:32 AM
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I've been listening to a lot of satie and debussy (read da pussy) Yummy.. level out my crazy.

Old 05-21-2015 | 10:33 AM
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https://acurazine.com/forums/perform.../#post15444269

According to Coach Rick you can run 87.
Old 05-21-2015 | 10:33 AM
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He's a coach..... so he knows.


He lives in Texas...

It's really Rick Adelman.
Old 05-21-2015 | 10:35 AM
  #11422  
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A lot of people like to pay for cars with cash for some reason. It sounds smart financially but from an economical perspective, it's not really.. Present value of money, say you dropped 30K on your car, now you're out 30K rather than drop 3K and have 27K in your bank account to invest or for worst case scenarios of when shit hits the fan.


as long as your ROI (investments) > interest rate, you'll be on the up and up
Old 05-21-2015 | 10:36 AM
  #11423  
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I believe used car interest rates are between 5-6% here, if I'm not mistaken. I've never taken a loan out on a used car though...
Old 05-21-2015 | 10:39 AM
  #11424  
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Originally Posted by thoiboi
A lot of people like to pay for cars with cash for some reason. It sounds smart financially but from an economical perspective, it's not really.. Present value of money, say you dropped 30K on your car, now you're out 30K rather than drop 3K and have 27K in your bank account to invest or for worst case scenarios of when shit hits the fan.


as long as your ROI (investments) > interest rate, you'll be on the up and up
Find me a solid investment that gives me more than 11% and we got a deal.

I agree with shit like 1%, it makes no sense to pay the car cash, but 11% isn't one of these cases.
Old 05-21-2015 | 10:40 AM
  #11425  
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Originally Posted by thoiboi
A lot of people like to pay for cars with cash for some reason. It sounds smart financially but from an economical perspective, it's not really.. Present value of money, say you dropped 30K on your car, now you're out 30K rather than drop 3K and have 27K in your bank account to invest or for worst case scenarios of when shit hits the fan.


as long as your ROI (investments) > interest rate, you'll be on the up and up
Yes, but the problem is that the majority of people will never invest the remaining 27k because they either don't know how, or are too afraid to. If you're paying only 1% interest on the loan, sure, it can make sense to invest the money. If you're paying 5-11%, you'd better be making some good investments if you're gonna be making any money.
Old 05-21-2015 | 10:41 AM
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I'm only buying one more car and drive it until the wheels falls off..
Old 05-21-2015 | 10:42 AM
  #11427  
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I think RLX is just too refined for AZ and you Maj..




we're more used to these idiots:

Originally Posted by brian6speed
When you have a selfish society like america, old ppl need to drive. You can't count on family to drive you around. Getting hit by old drivers is just a consequence of said laziness and selfishness.
Old 05-21-2015 | 10:43 AM
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Another anamoly is finding people who even have 30k in their accounts. Not many people like that around. It seems as soon as the majority of people get money, they spend it. Stupid, stupid, stupid.
Old 05-21-2015 | 10:43 AM
  #11429  
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Originally Posted by polobunny
Find me a solid investment that gives me more than 11% and we got a deal.

I agree with shit like 1%, it makes no sense to pay the car cash, but 11% isn't one of these cases.
Originally Posted by TacoBello
Yes, but the problem is that the majority of people will never invest the remaining 27k because they either don't know how, or are too afraid to. If you're paying only 1% interest on the loan, sure, it can make sense to invest the money. If you're paying 5-11%, you'd better be making some good investments if you're gonna be making any money.
agreed.


all circumstantial of course!


if i had 10% interest, i'd sure as hell try to pay in cash too!
Old 05-21-2015 | 10:45 AM
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Originally Posted by Flipster23
https://acurazine.com/forums/perform.../#post15444269

According to Coach Rick you can run 87.
Here I am.. rubbing my nipples.. listening to classical music.. trying to stay calm.. now my nips are chaffed and someones butthole is going to get rekt.
Old 05-21-2015 | 10:46 AM
  #11431  
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I have a decent amount in my savings account.



I'm not going to touch it, I'm trying to figure out where to invest it at.
Old 05-21-2015 | 10:47 AM
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I can't figure out what crowd is more fucking stupid.

TLX - Best car evarrrrr, better then the Accord, blah blah... Bitch it's an overpriced Accord

ILX - Bitch you drive a civic

RLX - For the 65 and over crowd. Overpriced car in general rather buy and Equus.
Old 05-21-2015 | 10:48 AM
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Fuck Acura.

All their models have went down my toilet.
Old 05-21-2015 | 10:49 AM
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Originally Posted by Flipster23
I'm only buying one more car and drive it until the wheels falls off..
That's what I said about the TL.. butt I figured I better go big before I'm relegated to minivan duty. btw.. I saw a Dodge Caravan in the parking garage yesterday.. fucking R/T. I lost it..

I was seriously happy to think that it had a V8 Hemi under the hood.. unfortunately it's just a trim level.
Old 05-21-2015 | 10:51 AM
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Originally Posted by Flipster23
Fuck Acura.

All their models have went down my toilet.
*slow clap*
The following 2 users liked this post by TacoBello:
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Old 05-21-2015 | 10:54 AM
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The fuck, you sound on the young side. The fuck that supposed to mean?
Old 05-21-2015 | 10:54 AM
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Originally Posted by Flipster23
I can't figure out what crowd is more fucking stupid.

TLX - Best car evarrrrr, better then the Accord, blah blah... Bitch it's an overpriced Accord

ILX - Bitch you drive a civic

RLX - For the 65 and over crowd. Overpriced car in general rather buy and Equus.
TLX crowd isn't totally derp, there are a few characters that ruin it, plus add in the wouldbe TSX crowd
ILX.. think Civic Si, but not as douchy.. dumber though.
RLX.. yeah..

Originally Posted by Flipster23
I have a decent amount in my savings account.



I'm not going to touch it, I'm trying to figure out where to invest it at.
I put 10% into savings.. don't even think about it.. and another 20% into slush, rainy day + investment money. I think you should have a cushion in case you're out of work for an extended period of time, to make sure you can cover the mortgage and bills for a while until you're back on your feet. Of course you have a gubmint job so your bases are mostly covered, but you still want some walk around money just in case. The correction is coming.. save those pennies, the metal will be hot soon.
Old 05-21-2015 | 10:55 AM
  #11438  
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LOLOL AT RESPONSE

holy crap


these rlx guys need to get off their high horse.
Old 05-21-2015 | 10:56 AM
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Originally Posted by thoiboi
LOLOL AT RESPONSE

holy crap


these rlx guys need to get off their high horse.
Post links!!
Old 05-21-2015 | 10:57 AM
  #11440  
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Originally Posted by Flipster23
The fuck, you sound on the young side. The fuck that supposed to mean?
??????????


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