thoiboi

cucks gonna cuck

rockstar143

iTrader: (6)

I paid off my remaining 401K loan from when we took a chunk out to put our 20% down on that crib...
feels good, man...$160 back on my check a month.

Also just realized I'm paying fucking $120 in interest a month on my damn Cadillac...time to refi that bitch.

Flipster23

iTrader: (15)

Now I see why Chad left.

J, Ladiboi, and Maj are mods now. So he wouldn't be able to ignore them.

Flipster23

iTrader: (15)

I should have said, go and watch again.

rockstar143

iTrader: (6)

like he actually blocked anyone.
please...he was too vain to miss anyone saying anything about him.
any attention is good attention.
hold my wife, i'm gonna fuck my beer!

justnspace

iTrader: (1)

Dont you hate that? when you think of cool shit afterwards!

thoiboi

that's almost as much as my TL payments

thoiboi

speaking of patina finishes..

rockstar143

iTrader: (6)

the only way a rattle can paintjob is worth it is if you save yourself the time and money for prep and accept shitty results.
if you're willing to do all the leg work, body work, prep, sanding, primering, sanding...you might as well cough up some scratch for some decent paint out of a legit gun.

thoiboi

We should tell Mystery Meat to go in there and teach him a few things

rockstar143

iTrader: (6)

No.
Fuck me...I REALLY need to do something about my loan. That's crazy.

rockstar143

iTrader: (6)

and here I was lecturing little J about her credit card interest amount yesterday...
She'll get a kick out of that...

Franchise1124

And you should do something about that loan.

thoiboi

Yeah that's REALLY bad J.. The only reason my car isn't paid off yet is because i pay like.. 10 dollars a month in Interest

thoiboi

At least if the car was a house, that 120 in interest would be tax deductible

Franchise1124

For some of us, it is

thoiboi

Time to talk to your CPA!

rockstar143

iTrader: (6)

Yeah, dude, I was like, meh, amortization, already paid the bulk...I cringe to think what I paid in that first month.
and Frantz... I see what you did there.

I'll get it sorted...ain't no way my rate should be 4.59%

rockstar143

iTrader: (6)

4.59 to 2.99% if I refi with Chase over USAA...
I have about 5 years left on my original 6 year loan...so I'd just go 5 year on the new loan.
Sooo...
payment will be down $220 a month...hmmmm...
I applied, fuck it for now. Or pay off and just have no car payment and not pay someone else ANY interest.

Gah, Cash is King but only if you're currently putting it to use, right? Otherwise it's in an account getting .00000001% interest for you.

rockstar143

iTrader: (6)

Frantz, bat signal!

Or sell wagon and be financially sound...
Were you serious about wanting to buy a V wagon? They're getting scarce now, which makes me think I should just hang onto it a bit more. Then again, there will be an equilibrium point where age and rarity will start to balance out. I think the Sedan is already taking a hit there with the V3 sedans being out.

justnspace

iTrader: (1)

1.15% Savings account at online banks like; Discoverbank, Ally

rockstar143

iTrader: (6)

Not bad, bro...
but damn the rates are so low now.

Yumcha

Sup. Meetings all morning so far.

Majofo

Shit J.. I'm only paying like 1,200 in interest over 5 years.
To me that's go no go territory.

rockstar143

iTrader: (6)

Yeah bro...I missed some key financial talk points in the last year...had my head up my butt...just trying to tread water emotionally. Fog is lifting though...next phase is taking shape and I'm making some tactical moves.

Don't even get me started on your lifetime warranty...
makes NO sense for you to ever sell that car.

justnspace

iTrader: (1)

the zoo called; they want you back by 6

Majofo

I just go straight to I fucked your wife

justnspace

iTrader: (1)

"OH YEAH? WELL I HAD SEX WITH YOUR WIFE!"
"his wife is in a coma"

how come i never watched seinfield before

rockstar143

iTrader: (6)

my mom didn't watch it because the music sound between scenes annoyed her...

Franchise1124

As much as I'd love to buy, I have bigger priorities on the horizon. Can't have Majofo be the only one out here buying houses & shit.

I do want moar power though



Unless you go CD or decide to put some risk in your game, those are probably among the best returns you can get for now

We gotchu.

thoiboi

Refi man..

you'll save money on interest and have more money in the bank each month. More toys for Z! https://www.bankofamerica.com/auto-l...ce-calculator/ use this calculator and input yo info.

thoiboi

Inflation is ~2-3% If you can get into that ballpark, no reason not to just take the loan.

Majofo

Wait a minute.. @4.59% and 120 / mo on interest assuming 5 years?
That means you paid 60k on the V?!?!?

Majofo

brah say it ain't so

thoiboi

same for my car That's like... 4 Flexvolt tools

Majofo

ah 6 years

thoiboi

OG loan was 6 years

Majofo

J what I did is I got the best rate I could before going in which was like 2.2 or 2%
Worst case, I got a damn good rate..
Went into the dealership and they work with every bank imaginable..
They want you to get a loan through them because they make juice on every deal
sure enough.. bam.. they beat my rate by half a point.. they make a little money, I pay less interest
handsies for everyone...

Now my bro who just bought his truck
The dealer was like, best we can do for this certified truck and 10k down is 8%
Fuck you, fuck your mother, fuck your intern and fuck your dog too, we're out of here
Manager chased us down..
Hey Pete, didn't that bank just get back to you right this second..
Uhhhh yeah.?!?! what's that rate?!?! 4.5%
Deal..

My bro has shit credit from having to short sale in the downturn
But he makes bank.. he already paid off the truck.
But still.. fuck paying interest!

J.. I recommend searching carsdotcom or another site that promotes auto loans
check with your bank and whatever the internet recommends (wholesale lenders)
from there you should find a very competitive refi

Flipster23

iTrader: (15)

Fuck numbers.....

Majofo

Don't get it twisted (deez nuts)
I'd sell the V