The 3G Ramblings & General Discussion Thread (V)
Senior Moderator
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.
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.
Team Owner
iTrader: (15)
I should have said, go and watch again.
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!
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!
The following 2 users liked this post by rockstar143:
Flipster23 (09-26-2017),
Majofo (09-26-2017)
Moderator
iTrader: (1)
Senior Moderator
![what](https://acurazine.com/forums/images/smilies/what.gif)
that's almost as much as my TL payments
![pofl](https://acurazine.com/forums/images/smilies/pofl.gif)
Senior Moderator
speaking of patina finishes..
I've decided that I'll try painting the car myself with spray cans. My plan is to buff it down with 400 grit sandpaper on the places where clear coat is peeling. Then use scotch brite on the outer edges so the paint could stick. After that, I'm going to put 2K primer and the base coat which is matched from a paint dealer. Then topcoat.. you guys think it would work out? I really need this peeling thing off, I wanna ride this car til it dies but also I want to look great driving. Feels like people are giving me the "ew" looks when they see me.. I've never thought of wrapping.. I'd love to change the color of my car to black
![RIP](https://acurazine.com/forums/images/smilies/smitty.gif)
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.
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.
Senior Moderator
We should tell Mystery Meat to go in there and teach him a few things
No.
Fuck me...I REALLY need to do something about my loan. That's crazy.
Fuck me...I REALLY need to do something about my loan. That's crazy.
and here I was lecturing little J about her credit card interest amount yesterday...![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
She'll get a kick out of that...
![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
She'll get a kick out of that...
Safety Car
The following users liked this post:
rockstar143 (09-26-2017)
Senior Moderator
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
Senior Moderator
At least if the car was a house, that 120 in interest would be tax deductible
![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
Safety Car
Senior Moderator
Yeah, dude, I was like, meh, amortization, already paid the bulk...I cringe to think what I paid in that first month. ![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
and Frantz...
I see what you did there.
I'll get it sorted...ain't no way my rate should be 4.59%
![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
and Frantz...
![pofl](https://acurazine.com/forums/images/smilies/pofl.gif)
I'll get it sorted...ain't no way my rate should be 4.59%
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.
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.
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.
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.
Moderator
iTrader: (1)
1.15% Savings account at online banks like; Discoverbank, Ally
Not bad, bro...
but damn the rates are so low now.
but damn the rates are so low now.
Senior Moderator
Sup. Meetings all morning so far.
![Bored](https://acurazine.com/forums/images/smilies/bored.gif)
Chapter Leader (Southern Region)
![what](https://acurazine.com/forums/images/smilies/what.gif)
To me that's go no go territory.
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...![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
makes NO sense for you to ever sell that car.
Don't even get me started on your lifetime warranty...
![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
makes NO sense for you to ever sell that car.
Moderator
iTrader: (1)
![rofl](https://acurazine.com/forums/images/smilies/rofl.gif)
Chapter Leader (Southern Region)
I just go straight to I fucked your wife
![Smirk](https://acurazine.com/forums/images/smilies/smirk.gif)
Moderator
iTrader: (1)
![pofl](https://acurazine.com/forums/images/smilies/pofl.gif)
"his wife is in a coma"
how come i never watched seinfield before
my mom didn't watch it because the music sound between scenes annoyed her...
![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
Safety Car
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.
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.
I do want moar power though
![Sad](https://acurazine.com/forums/images/smilies/sad.gif)
![Nod](https://acurazine.com/forums/images/smilies/nod.gif)
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
![Shrug](https://acurazine.com/forums/images/smilies/shrug.gif)
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...![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
makes NO sense for you to ever sell that car.
Don't even get me started on your lifetime warranty...
![Tomato](https://acurazine.com/forums/images/smilies/tomato.gif)
makes NO sense for you to ever sell that car.
Senior Moderator
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.
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.
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.
Senior Moderator
Inflation is ~2-3% If you can get into that ballpark, no reason not to just take the loan.
Chapter Leader (Southern Region)
That means you paid 60k on the V?!?!?
Chapter Leader (Southern Region)
brah say it ain't so
Senior Moderator
Chapter Leader (Southern Region)
ah 6 years
Senior Moderator
Chapter Leader (Southern Region)
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
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
Team Owner
iTrader: (15)
Fuck numbers.....
Chapter Leader (Southern Region)
Don't get it twisted (deez nuts)
I'd sell the V
I'd sell the V