justnspace

iTrader: (1)

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

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.

thoiboi

don't forget :pb: you gotta convert from Canadian to US interest rates so the difference is negligible

Flipster23

iTrader: (15)

Still moving stuff in. All the big stuff is in.

Going to drain the spa tomorrow and refill for the weekend..

Flipster23

iTrader: (15)

TF is wrong with these people in the military these days.

Majofo

Nice!

Majofo

11%

Yeah, screw that. Might as well buy the car on your credit card.

Flipster23

iTrader: (15)

Shit, my Accord was 2.x%

Majofo

Is RLX really proper and polite.. or am I that offensive.

Flipster23

iTrader: (15)

They're proper and polite.


Rookies..

Flipster23

iTrader: (15)

You have to loosen them up a bit Maj.

TacoBello

USDMJon > All Y'all.

Flipster23

iTrader: (15)

Gtfo

Majofo

I skipped foreplay and went straight for the anus.. dry.

TacoBello

no wait, i got that backwards.

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


there. that's much more logical.

TacoBello

wouldn't be the first time

Majofo

Oh, I thought you were talking about his interest rate.

polobunny

Yeah 11% Canadian is like 0.5% US.

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.

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.

Majofo

I've been listening to a lot of satie and debussy (read da pussy) Yummy.. level out my crazy.

Flipster23

iTrader: (15)

https://acurazine.com/forums/perform.../#post15444269

According to Coach Rick you can run 87.

Flipster23

iTrader: (15)

He's a coach..... so he knows.


He lives in Texas...

It's really Rick Adelman.

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

TacoBello

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...

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.

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.

Flipster23

iTrader: (15)

I'm only buying one more car and drive it until the wheels falls off..

thoiboi

I think RLX is just too refined for AZ and you Maj..




we're more used to these idiots:

TacoBello

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.

thoiboi

agreed.


all circumstantial of course!


if i had 10% interest, i'd sure as hell try to pay in cash too!

Majofo

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.

Flipster23

iTrader: (15)

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.

Flipster23

iTrader: (15)

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.

Flipster23

iTrader: (15)

Fuck Acura.

All their models have went down my toilet.

Majofo

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.

TacoBello

*slow clap*

Flipster23

iTrader: (15)

The fuck, you sound on the young side. The fuck that supposed to mean?

Majofo

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..

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.

thoiboi

LOLOL AT RESPONSE

holy crap


these rlx guys need to get off their high horse.

TacoBello

Post links!!

TacoBello

??????????