Auto loan forgiveness when?Banks shouldn’t be giving auto loans out to people who can’t afford it.
file a chapter 7 bankruptcy
People should stop spending money on shit they dont need.There are many cheap new shitboxes that will get you to work.
>buying any car when interest is this highher own damn fault
>>27580372bought my shitbox straight cash 2500
>>27580372BasedFlood of repos hitting the Market and driving down prices spoon
>>27580410unfortunately some of them are trashed on purpose, or worse yet you have dealer's trying to hold onto tho the glory days of 2020. it will have to be some time still until they break
>>27580372lol stupid female Milhouse
My shitbox is $1500 one time payment. And your car cannot beat it
>>27580372>forced to sell her dream car>1400 a month in interest alone over 3 yearsHow much negative did this retarded bitch roll?
>>27580372The idea of student loan forgiveness is unfathomably retarded but politicians will do whatever they can to buy votes so I'm sure auto loan forgiveness isn't too far away.
>>27580372why are people so fucking dumb?the car, house, credit card payments you have is the BARE MINIMUM that you are legally allowed to pay.These MINIMUM monthly payments accumulate the most interest for the bank.When you buy a house on a 30 year loan, your house payment is the MINIMUM payment.No one is stopping you from paying more.I bought a house 3 years ago, took a 2.5% interest loan for $300k, my MINIMUM monthly payment is like $750. only RETARDED people will pay that MINIMUM payments. with those payments over 30 years, my interest would be $110k. It says right on your loan, how much interest your paying each month, and its like $500 in interest, and $300 towards your loan.I pay $5-8k per month, I plan to pay it all off within a decade, my interest payments would be less than $15k.if you cant afford to pay $5k per month on your house payment, then you cant afford a house.STOP PAYING MINIMUMS!
>>27580372You can get a brand new civic or corolla for like 25k. Let you guess, you need more? 99% of people don't. You're just wasting money on bullshit, which is fine if you're rich or an enthusiast. Not a working mom trying to keep groceries in her fridge.
>>27580452Many just pay the minimum rate so they can get other shit they dont need and dont afford
>tfw I got a 0% loan on a $50k RAM truck just before the Fed raises rates and inflation skyrocketed>still paying off 0% loan 2 years later and my truck is worth $42-$44k used
>>27580524This. Also most of these people don't understand basic math.
>i have children so i need an hueg $84k suvwhy are normies like this? do they see themselves as too good for sedans or minivans?
>>27580372>dumb people do dumb things More news at 11.
>>27580524By that you mean, put even more on credit?>teehee the minimum payment is only 385 a month!The rhetoric around debt being voluntary slavery cannot be overstated.
>people shouldn't buy things they can't afford and don't needReported. Enjoy prison.
>>27580452An index fund returns 5 -15% per year. You're better off putting that money into an index fund than paying off most mortgages early
>>27580372she looks like a stupid cunt who only fucks black people
>>27580372>Child molester Redditors get dunked on with student loans for their stupid Botswanan Gender Studies “degree”>Their dumb diversity hire nigger coworkers get dabbed on for their 49%APR used 2016 Charger with 500,000mi because they can’t read or do basic math and only see “SO I CANZ TAKE THIS HOME NOW IF I’Z GIVE YUH FOWTY-FIVE HUNNA DOLLA? SHIIIIET, WE BUSTIN’ OUT THE NICE EBT CARDS TONIGHT”I fail to see the issue here.
>>27580559It's really two things>status symbol>a vicious self-fulfilling prophecy of "everyone drives large trucks and SUVs so if you drive a normal car your family will be killed so you also need to buy a large truck/SUV"
>>27580559You should try driving in my neighborhood. Its really dodgy in a sedan or sports car, especially if it has a long hood. cant see shit past the suvs and vans with tinted windows, hood sticks out in the lane before you can see if there's a car coming also asians sometimes drive in the middle of the road and I have to run over curbs to avoid them. My lifted SUV is pretty good. Last time I drove a sedan around here was 5 years ago. Ironically, I keep an old sedan at my brother's rural property for off-road driving.
>>27580372Schools need to bring back life skills in high school for prevent such stupidity. If they know and do it anyway then they can't say no one told them about the time value of money.
>>27580372>28Sure thing, Jan.
>>27580578t. Financially illiterate
who do i root for if i hate financial institutions but I also hate the dumb motherfuckers willing to pay 6k in interest for 6 years on a camry
>>27580410Even worse interest rates
>>27580670>Schools need to bring back life skills in high school for prevent such stupidity.It's done on purpose to keep the majority from moving up a bit in life.
>>27580705Post your portfolio spook
>>27580713This, deliberately because they keep the system propped up with their debt.
>>27580427Why are u here??? U have a shit ass car and this is an auto enthusiast board. Post pics Atleast. It’s an image board.
>>27580716Post an index fund with an annualized total return of 15%. I'll wait.
>>27580709You will once again be able to throw down $5k and own something decent once credit tightens up and theres no one financing retards to pay 5x what its worth, so the dealerships have to actually sell shit or go out of business and liquidate it
>>27580732Different anon, but im a lot more enthusiastic about driving shitboxes than expensive shit. Like if I rekt my $1500 shitbox, ill just call the scrap man to pick up my car and ill call my mom to pick me up and ill grab the other shitbox to hoon with. I can wrench on it myself cause if I fuck up, no biggie. If some girl rear ends me, maybe I can get a date with her instead of hassling insurance. If I want to quit my job, ive got enough money saved up to retire for a year. (Did that during covid nonsense)
>>27580372>Auto loan forgiveness when?Loan is forgiven when she pays it off. Spoiled bitch anyways. Women used to be happy cause you bought them a bag of groceries
>>27580372I'd take her back to my gooncave and rape
>>27580559Of course the rear suspension is blown and sagging on that Taurus. They’re ALL like that. Story time: I knew this chick and she did US Embassy work and at one time was stationed in the Russian Federation. I dunno if she was in Vladiovostok, St. Petersburg, or Moscow, but she drove a 90s era Ford Taurus wagon. You know the one. Some guy at the embassy bought an expensive BMW or Mercedes and scoffed at her Taurus wagon. He openly mocked her for it while she was hauling her two small children in it. She said something about karma to him and how he needs to be nice to others or the universe will punish him in order to seek a balance.Of course the Russian mob stole this guy’s expensive BMW (or Mercedes; I don’t remember exactly which one or model) and the embassy Marine guards told him they can’t help him because they didn’t like him either.He had to buy a Ford Taurus after that. Karma’s a bitch only if you are.
>>27580996>rules for thee but not for me
>>27580372I always wonder how people buy these cars then I see post like that and it all comes together.
>>27581157PPP loans were some of the most insane things ever. I know of people that bought vacation homes to rent out with them in round about ways.
>>27580559Idk, I got an SUV after seeing friends' sedans and rented minivans get beached like fat whales in snow over and over again. If that wasn't an issue, I'd probably get a wagon.
>>27580793>call my mom >to pick me up from Burger King A story as old as time
>>27581166>PPP loans were some of the most insane things ever.My brother (who lied to our family about attending and graduating college, and pocketing my parents 'tuition money' to start a business) owns a bar. He got a PPP loan, and within 3 weeks of them being announced "forgiven" he bought a fucking plane.It's not a free market, it's a thieves' market.
>>27580401i bought a new car in 2023 and got 0% apr, its called being patient
>>27581338it's also called having good credit, most of these dummies are babies who have no credit in the first place so they sperg when the finance company tells them 8% interest is their rate
>>27580740S&P funds are what, 10.9% since inception?
>>27581337All you had to do was use it for payroll. Then,>would you look at that, we made so much money this year. >Guess I'll take out a bonus for being such a good business owner.
>>27580578You pay tax on market gains, you don't pay tax on money saved not paying interest
>>27580372Total the car and declare bankruptcy lmao
>>27580699I can believe it. She looks and sounds like the type of woman who has done a shitload of drugs and lets losers cum in her. So I'm sure she got pregnant with her obviously non-white children super young and her horrible life decisions have led to her aging prematurely.
>>27581473The PPP was designed to be exploited it was Congress just giving itself a big fat bonus when you realize they're all business owners
>>27580445>I'm sure auto loan forgiveness isn't too far away.kek keep dreaming, the handouts are paid for by YOU, and they will always go to THEM.Building Back Better!
>>27581495No, you must buy more product to not be poor!
>>27581037congrats on the gayest post of all time
>>27580372You can get ANYTHING reasonable and reliable for $7k to up to $20k, almost anywhere. I don't understand the clowns we call "people" today.
>>27581623lmao noob
>>27581683Hey, you want to go as low as $3k for a family vehicle. Be my guest.
>>27581683You're the noob.Everyone drives cars, they're everywhere. For all I know there are more cars in the US than people. This bitch just *needs* a brand-new 5,000 lb SUV without paying for it, right?
>>27581495Long term capital gains maxes out at 15%, so that turns the after tax returns to 4.25% to 12.75%, in the worse case scenario. And that's ignoring Roth IRA which is not taxed.So what that means is that if you have a 3% 30 year mortgage, and if you put $5000 towards the principal, then that saves you about 5000×1.03^30 = $12000 in 30 years. Meanwhile an index fund will return you about 10%, which is 5000×1.10^30=87000 in 30 years
>>27580452> if you cant afford to pay $5k per month on your house paymentI don't know anyone that can afford to pay out 5k per month on 1 payment. I make 100k a year and my take home after taxes, health insurance and contributing to my retirement is about 5400 per month. Only way I could swing a payment like that is drop my health insurance and pay nothing into my retirement. Then hope I don't get sick for the next 10 years and I fall over dead instantly the day I have to stop working.
>>27581903>Meanwhile an index fund will return about 10%
>>27581927I pay $7k a month on two houses
>>27581927I'm in a similar position. I make $130k (including bonus) per year but my take home pay is ~$5.5k because of my student loan and share plan. I often don't have much money left over by the end of the month, but my portfolio is worth over $100k after 4 years so I'm not too upset. I accidentally tied up all my money with investments but I'm set for the long term.
>>27581934Well good for you for either learning to substain yourself on one cup of instant ramen noodles a day or you found the magic street corner were all the billionaires go for a good time. Unless I was making close to a million a year I would be shitting myself having a 2 house payments that equal 7k a month. I prefer to a little safety margin with some extra money in my accounts, so I don't have to declare bankruptcy instantly or have a plan to have a "life altering accident" the day my job decides to lay me off at the ceo's wim.
>>27581927Bruh there are tons of 600K-1M+ households all over Califaglia. Tech + Medicine, which is a super common combo here, all of those couples are pulling easily 800K/yr.That's like 26K/month take-home after taxes.And this doesn't even count as "rich" in California. Many neighborhoods here have an average home price of 9M+. You either need to be making 1M+ a year or have a serious nest egg to live in those places.Don't forget inflation, 1M a year in 2024 is like making "100K" back in your parents' generation in the 1970s
>mid-30s>never had a loan or credit card (no score)>never made more than $20k / year>currently unemployed, zero benefits >alive, living in a giant house, and car is paid-offIsn’t “capitalism” fun and fair?
>>27581985Is /o/ the oldest board? Everyone here is 30s to 50s Millenial or Boomer
>>27581977For the other 49 states, well 48 because Hawaii is almost as bad as CA in terms of housing pricing. A home cost of 600k-1M is way above what most people can afford. The average US medium income 37.5k and only 12% of Americans make between 75k and 99k. Only 16% earn more than 100k. Less than 1/3 of Americans can even possibly afford those prices even with joint incomes. It sounds like you earn a pretty good chunk of change so good for you, but for the rest of us that number is out of reach. Not everyone in the country can earn that amount of money or be lucky enough to have the skills/luck to even have the possibility of it.
>>27582044>only 12% of Americans make between 75k and 99k. Only 16% earn more than 100kThis is a deceiving way to state that. What it says is that 28% earn more than 75k; that's over 1 out of 4 people earning that much. Common-as-fuck. Even 16% over 100k is common-as-fuck.. like 3 out of 20 people.I hate that the USA made me obsessed with being special (1/10000+)
I wonder who profits from those interest payments :^)
>>27580732i fix my cari tune my carPaypigs do not belong here.
>>27582096based zombie felicia
>>27580372may as well, apparently people arent responsible for their own retarded decisions anymore.
>>27582011zommers dont drive
>>27580410>Flood of repos hitting the Market and driving down prices spoonYeah, I'm sure dealers repo'ing 4 year old cars not maintained by ja'quavius or Some single mom with lip fillers are going to send them straight to auction because they're shit vehicles, then some kind reseller will buy them cheap for a modest profit and you'll finally get your pozmobile for $5000. >its not going to drive prices downBecause when dealers have used cars at 80% of new cars, they have an incentive to make sure used cars never get cheap again. Cars are built better and can last much longer with modest care, but dealers aren't collectively about to lose billions because retards buying $100k "dream cars" aren't paying anymore.
>>27580372>Mom, 28lmao they're saying that as if maternity still is a mark of sacrifice and responsibility
>>27580670That's what parents are for, retardSchool just gives you your goodboi certs so you can become a successful tax slave
>>27580372Passing a personal finance class in high school should be a graduation requirement.
>>27580372this binch is retardant
>>27581355Oh fuck I should've taken my money today and put it into S&P in the 1950's to get those gains instead of fucking around and being born decades later. I fucking hate it when people announce its 10% returns. It isn't. On average over a very long term like 5-10 years it is. Some years are DOWN 5%. And putting money into a fund isn't receiving a check every month for 10%. You'd know that if you weren't stupid and not just repeating lines by actually wealthy people.
>>27582500I dont see the relationship between personal finance and not buying a gaudy $1400/mo SUV
>>27582096Lol you know I’m a 10 year 1.4m mile owner operator??????We are on entirely different leveled here park lmao
>>27582515Retards don’t understand 20% APR.
>>27582508You are dumb. Put the money in now and don’t touch it for 40 years and you will average a 10% return.
>>27582516me on the left doing the wheelie
>>27580372I absolutely guarantee her child is a brown mutt
>>27582519Oh cool maybe I can just take out 40 year loans and pay minimums until then and finally have money to do shit when I'm in my 80s. Thanks for the advice!
>>27582543I’m gonna go with 20 something roughneck white dude; she looks like an oil worker’s wife, and it would explain the huge income and roughly zero financial acumen.
>>27582523Based
>>27582518They put the amount of the payment in giant letters on the form you sign. Interest is basically irrelevant here
>>27582516I know. You have doxxed your family and yout truck multiple times in this corner of mongolian basket forum.But you can share your story. What I have noticed, this model Peterbilt costs like $200,000 new and that is without the trailer. On those first years, you must have paid tens of thousands in interest only. Those hard miles across the america, they went straight to bankers.
>>27582602ThisYou should have just sat still on a chair and done nothing for 80 years.
>>27582602Don't forget after working triple the hours an average wagie does he'll post that one time he made $300k in a year, ignore fuel costs, ignore insurance, ignore maintenance on that decrepit truck, ignore his wife eating $1000 of food per week. Dudes actual take home is something along the lines of minimum wage. He'll reply to me saying I'm seething because he drives a truck and earns more than me which isn't true.
>>27582602Interest Is cost of doing business. I could work for McDonald’s for 30 years save every dime and get a Peterbilt 389 cash.Or.I could get a loan and start making 120k/year net today. You guys need to learn the time value of money.
>>27582572peberbilb
>>27580372>woman does something retarded>consequences>"waaaaaaaaa I'm not happy and this is everyones fault but mine"
>>27580570OP is in real trouble if he's in texas or florida
>>27582554no, you need to figure out a way to increase your income so that you can both enjoy yourself now as well as save for the future, ideally so you can retire early.
>>27582613https://www.instagram.com/reel/Cr8enRnrV5i/?igsh=NjNveDRteTE4eW56https://www.instagram.com/reel/Cyq2M2sp8hk/?igsh=MWF4dHBwem4ybXlpeQ==https://www.instagram.com/reel/Cyq2M2sp8hk/?igsh=MWF4dHBwem4ybXlpeQ==Out of my way old son.
>>27582683How did you take this pic?
>>27582692Uh my brother did it. And I wasn’t asking him to do it either. I think he held his phone out the window That bike is unironically still in the shop. Almost done.
>>27582718Looks good with the ape hangers
>>27580372This dumb bitch again?
>>27580537Nice move
>>27582613For me, it's his wife's chins
>>27581270Unless you live in a mountainous region or one of those fucked up northern coastal areas that get ridiculous amounts of snow the issue was your friends being retarded.
>>27580537>my truck is worth $42-$44k usedWho the fuck would be retarded enough to do buy it?
>>27580452>No one is stopping you from paying more.>He doesn't knowThey are so evil that in a lot of mortgages they actually punish you with a fee for paying it off early as a way to ensure you don't screw them out of that fixed (of god forbid adjustable) rate. Everyone who brags about paying off a house is simply cope because it's their anchor and they aren't going anywhere for the rest of their lives. >>27581977My Aunt was a retard who did this. She had to live in California and take every debt possible out for her education. She wasted 40 years paying off student loans and house/rental payments and all she has to show for it is a 1000 sq foot shitbox in a crowded city. She's "close to the beach" so it was worth it for her. Every drop of her social security will go to taxes (in the form of things just bought in california).
>>27580537Jokes on you my civic actually keeps appreciating in value post coof, and its paid off. I probably make less than you though.
>>27582885Theres a ton of people that think covid is still going on and people are paying $10k over msrp. Just head to craigslist or whatever and look at the insane car prices. Project cars of rusty chassis' only at $10k, 150k mile trucks at 75% of new price, and brand new vehicles $40k over dealership sticker. Its clear some people got brand new cars at "zero percent interest" only to find out they can't afford the monthly payment 2 years later.
>>27582891dont go to shitty landersi paid off my first car in 7 payments after getting a 36 month loan, my final payment was $500 more expensive to cover the last fees.
>>27582738You don’t want to see her weird teeth/eyes/chin?
>>27582508>I fucking hate it when people announce its 10% returns. It isn't.skill issue
>>27582044I actually meant 600K-1M+ yearly income, not house price, but I realize that's valid too.I think if you look at major metros there are tons households making multiple hundred thousands, since (at least in California) even social workers, nurses, cops, etc. all do like 100K+Cops do 200-400K+ hereNurses 150s-300K+Tech shit 150-400K+So basically everything's been inflated up, you need prly minimum 300K+ to live a comfortable life in a major American metro now
>>27582011/diy/ is the oldest board. Mostly homeowners.
I paid off two loans three years ahead of schedule and my credit score went down.I really don't give a fuck about the banks anymore, shame she didn't fucking total and trash that piece of shit before it was repo'd.She should've spent a weekend curbing the rims.
>>27583003Man I woulda thunk /diy/ was all about making your own fleshlights out of ham and pringles. Now I'm disappointed it's just a buncha geezers talmnbout building a retaining wall for the old ball and chain's garden
>>27583051I like /dyi/ cuz they do it them selves (duh), not buy (except expensive tools, fuck those posers). I fucking hate nu-/g/, they just buy laptops and install Linux. But they can't tune that laptop in hardware level (soldered). Which comes in fact I can dare tune my car as the warranty is long gone. The only service is the once a year long life oil change and whatever shit goes broken.
>>27581355past performance isn't indicative of future results :^)
>>27580372That truck will cost $2500 in 9 years time....dumb bitch deserves it.
>>27580427no one gives a shit paco, go kill yourself and your entire monkey litter with your rolling death trap
>>27583147>That truck will cost $2500 in 9 years timekek you fucking wish
>>27580390She was only 25 when she bought it, practically a child. Why do we let predatory bankers and sleazy car dealers trick children into debt slavery?
>>27583283Tbf in trade in that is probably accurate but trade in at dealerships is a huge scam a lot of the time yet outside of car people usually its like trade in or a car selling app.
>>27581977>The following data are the most current income statistics for California from the US Census Bureau, are in 2022 inflation adjusted dollars and are from the American Community Survey 2022 5-year estimates. Median Household Income: $91,905. Average Household Income: $130,718. Per Capita Income: $45,591.
>>27583285>She was only 25 when she bought it, practically a child.>Ages of the Founding Fathers on July 4, 1776 James Monroe, 18 Aaron Burr, 20 Alexander Hamilton, 21 James Madison, 25 Thomas Jefferson, 33 John Adams, 40 Paul Revere, 41 George Washington, 44
>>27583348Life expectancy was like 36
>>27583415>Life expectancy was like 36Then explain how many founding fathers were in their 40s, you big dumb idiot.
>>27583415That's bullshit skewed by the insane childhood mortality rate. As long as you didn't die of some disease or bad luck, life expectancy wasn't too far off today's.
>>27580372This dumb jablapper cunt again. Lip fillers, veneers, and a bunch of shitty dumb tattoos. You can keep it.
>>27580372My suburban cost me 2k. Shit is mint and I can’t see how a new one could be any better.
>>27583633Stop being poor and just go sit in a new vehicle. They're simply better than your $2k shitbox. Every single time.
>>27583688>Spending 1000+ hours of your life working for nicer fabric and plastics when you already have a functioning vehicle that's easy to wrench on.Nope.
>>27583348ok but do you see any woman's names on the declaration of independence?i rest my case
>>27582572This nigga talking about "I got money" and can't even afford a pair of jeans >>27582683I like the rear windows but wtf are you doing with all the different siding? Should narrow it down and simplify it imo>>27582891You can buy and sell houses, a lot easier to get into another house if yours is already owned. >>27583129Plenty of losers catch falling knives and sometimes it is not even their fault, just bad timing.
>>27580372>Banks shouldn’t be giving auto loans out to people who can’t afford it.Can't stop stupid people from being stupid, no matter the restriction.
>>27580412>or worse yet you have dealer's trying to hold onto tho the glory days of 2020I'm laughing at dealers who are trying to sell Windstars at $6k.
>>27583695>I can't see how something better could possibly be better>it costs too much!Good on you for not being a debtslave, but you're also just wrong. in 20 years when her truck is old and you buy it for $4k (thanks inflation) you'll talk about how minty your $4k chebby is and wonder why people are buying new ones for $200k. Turns out newer is almost always nicer.
>>27583695>>27583688I can’t see a new suburban in the same trim being $80k better than what I got. My leather seats are all good. Everything works. Has bullet proof drivetrain. It also has none of the new nanny electronics.
>>27583581Which one's the cunt in question?
>>27583882Far right one that’s pear shaped
>>27580372Now go for a ride. All those SUVs and cuckovers are in much different situation.One missed paycheck away from being repo'd.
>>27580372Each and everyone of these people does it to themselves.Imagine a system where when an account goes delinquent a lein gets put on any potential type of future income until the loan gets satisfied.
>>27580445>The idea of student loan forgiveness is unfathomably retardedIt's a net drain on the economy. In many cases the debt was paid long ago but the interest sucks people dry like a vampire.It literally makes no sense for the government to keep people in debt slavery to itself, people are just mad that it doesn't personally benefit themselves directly. Forgive the loans and let the free market flourish.
>>2758201124 year old zoomzoom chiming in. I have over 50k between investment and my retirement account, and just did a trade in + down payment on a GR86, leaving me with only a years worth of payments on it. My next step is to get some sort of hybrid or truck because all houses are $400k+ where I live and it’s practically unobtainable at the moment. My only issue is the retards who shouldn’t be driving SUVs everywhere
>>27583952>It's a net drain on the economy.Then make student loans illegal to issue by the government, banks, or personal. You should never talk about how bad something is and encourage it to continue.
>>27580537>nd my truck is worth $42-$44k usedROFLTry $28K retard
>>27583952Nah. I dropped out of highschool cause school is negative value. College educated people think they are smarter and better than me cause they went deep into debt hearing stupid shit that isnt relevant to society, so they need to pay the price and repent. After all they are smarter than me, so they can easily figure out how to fulfill their financial obligations
>>27582519>don’t touch it for 40 years>just don't touch your money until you're nearly 80, bro>>27583966I've got a little over ten years and $250k on you and have been thinking about getting a GR86, but can't get myself to do it because of losing out on the future value that money could bring in instead.. so I continue to drive my $5k rusting shitbox with electrical issues. Feels badman; I heard the GR86 feels almost like a go kart.
>>27584097Same. Feels like I'm going to wake up in my 60s nearing retirement realizing all I've done was save money and hate life.
>>27584097>>27584126Same. I'm starting to question being such a good goy--I mean good boy--with my money
>>27583934You mean like garnishing wages.>>27583952How does that stop the initial problem of people taking predatory loans. Hell states put caps on apr for vehicles and all dealers mostly do to go around it is either breaking it into multiple loans or extending the loan time. Why wouldn't student loans do they same, they have the same types of high interest super long term stuff. Plus what about tje people directly after the loans are forgiven.
>>27580410Would you really buy a car that's been driven for 3 years by a woman who took out a blatantly predatory loan?
>>27580537The downside is that you are a Ram owner
For real, before your piece of shit car gets repo'd by the peice of shit bank take a 5lb hammer to it.Invite some friends for beer and provide them with implements to fuck up that peice of fucking shit right the fuck up.You're faggot ass is going to be financing some piece of shit Mitsubishi when it's all said and done anyway so fuck that shit up.Do highway pulls with 4x4 low on.Smash the plastics up with a baseball bat.Spend an afternoon curbing the shit out of the rims.Take shit in the backseat.Fuck those niggers.
>>27580410Haha. They'd rather sink them to the bottom of the ocean than to have them hit the used car market.I remember when Hertz filed for bankruptcy, everybody was expecting fire sale prices on their vehicle fleet. Yet what happened was only a few hit the market and they were priced ridiculously above market value for a used rental car.>thinking that you'll get any cheapies ever againlol,lmao even.
>>27580372>woman has dream car>bland white NPC SUVThe jokes write themselves
>>27582487Easy, buy one rear ended car with a good engine and a clean roller with a fucked engine, then engine swap it. $2000 all in for a new car.
>>27583710It’s just blue print anon. I’m getting it dried in. Just a wrapped shell. Than doing the rest ala carte as I go. This is has been a process. And it’s just beginning. But basically I had a builder lined up to turn key me for $350k. I was going to get a mortgage like a good citizen. Than Covid than interest rates. Same builder quoted me 600k turn key for the same house. And the bank told me lol u actually need to make $200k/year now to afford this. And at 7% forget it.So i found a concrete guy and a framer who are going to cash build it for 150kPic related to blueprints above. It will be bare with no windows. Just walls and roof. Will figure our siding later.
>>27582640Time value of money. YEPP! Glad someone on here isn't retarded.
>>27583633I want an 8.1 but, I'm unwilling to fork over 20,000 for one.
>>27584422Where in the fuck can you build a house for 150K?That shit would be 2-5M here in Californicate
>>27581927Dual income, dummy. $5k mortgage is an ~$800k house. No shit you aren't buying that with only $100k/yr.
>>27584212Id check it over if its cheap enough to consider. Ive bought some questionable cars from questionable people. You don't always like the answers they give you, but the cars do answer those questions.
>>27584167If someone is stupid enough to take out a predatory loan for college , they deserve to pay it. Same for cars. Ive always wanted some really expensive cars, but I don't buy them cause they are too expensive. So I have affordable cars instead, cause I calculated that the other ones are not affordable
>>27584483kike logic
>>27584490>Im a dumb goyim and I must have expensive things right now, no matter what the future cost is
>>27580452>>27581927>>27581934>>27582044>>27582050>all these retards one-upping each other on how much tribute they pay to their jewish banker overlordslollmao evenmeanwhile I'm sitting on two houses (brick, only needed a roof remake and interior cleanup, 90% of which I did myself), one apartment and 2ha of land that I bought for roughly 100k in cash a few years agocan't imagine living on a bank's leash and telling everyone I meet "but at least it's mine on paper"
>>27584521"So, I see you're running GNOME."
>>27584521>brickAs a structural engineer, people boasting about their house being made of brick is the funniest shit.
>>27582872I do live in a mountainous region. And the issue was the sheer amount of snow in the places we were going.
>>27584560Conversely, people who rag on wooden structures is funny to me
>>27583688sorry hitler but this is a cringe take.
>>27581157this is my congressman and he owns a string of car dealerships in our area in SW Florida. literally all he does is spend all of his time fighting the culture war while he sells our state/town to foreign developers and pulls bullshit like this ppp loan scam. even republicans in the state hate this guy and are now running against him.
>>27580372The video of that chick describes perfectly why most people are poor. They are stupid and wasteful.My tax dollars should not forgive their loansThis coming from a guy that hates usury
>>27580372>this contract suckswhy'd she sign it then?
>>27580445It's a carrot on the stick the DNC dangles in front of young people to keep them voting blue. They will NEVER pass a student loan forgiveness bill. Same with single-payer healthcare, or conversely border security for the GOP. >ooop you almost had it, keep voting for us we promise we'll do it next timeFor decades, and nobody ever learns their lesson.
>>27581157And uh, who forgave those PPP loans?
>>27582011The absolute youngest boomers are 60. 40-50 year olds are Gen X.
>>27582724>>27582718>apes on a bike with factory fork rakeLol, peak larpA good set of Buckhorns would look better and be more comfortable.
>>27582508>a very long term like 5-10 yearslmfao
>>27583348Monroe was Jefferson's apprentice, and had nothing to do with the declaration of independence because he didn't even meet Jefferson until about 1779.Burr was the same, an understudy of Jefferson who had no influence in politics until years after independence. Hamilton was a personal aide of Washington and only had an informal say in the goings-on of the continental congress. Madison didn't have influence in federal politics until the 1780s. Remember that although independence was declared in 1776, the actual formation of the modern federal government didn't happen until 1789. The founding fathers is a broad term referring to everyone involved from the declaration up to the creation of the current constitution, a 15~ timespan where multiple people dropped in and out of influence.
>>27584987Don’t @ me unless you’ve blown 6 primary belts on a 150hp bourget
>>27584289Tell us, Ja'Quavius, what does smashing something you actively owe money on do?
>>27584401>Just do things that haven't been possible since the 1990's!Okay dude, I'm not a youtuber where shit is simply given to me and I claim a $2000 budget.
>>27584422>I was going to get a mortgage like a good citizen.So why didn't you then? Was it that your income was too low as a trucker wasn't enough for a $350k mortgage? lol.
>>27585108I was good for 350-450k at 3-4% not 600k at 7%Imagine trying to throw shade at Md when. I’m now in the process of doing a cash build to avoid the interest. As in I have 160k cash. Do u think that’s funny too??? Lol.
>>27580452>paying down a 2.5% loan instead of investing in index funds
>>27585119Yep, still laughing at you. >I could've gotten a 0% mortgage to build a house, but I just didn't and when I was finally ready to build interest rates were too high>So now I'm going to piece-meal my way through a house build for 10 years without a loan to trick the bankers!You sure showed them I guess. Me too! Way to go!
>>27584985Gen X stopped existing. You're boomers now
>>27585143I’m more aware of the situation than you are. I’m the one actively in the process of building a house. Whereas you are not.
>>27585199My house is actively paid off whereas yours is not. Why are you still on /o/? Nobody likes you and your posts are simply obnoxious and you contribute nothing to any conversation outside of simply being a retarded trucker pretending to be any different from pakistanis doing the exact same job. just fuck off dude.
>>27580708The people who don't participate?
>>27585309If you have a paid off house your either -old -shit house -no landAny combo. You know I live in Clearfield PA right. Look at the Zillow. I could buy a house here today. It’s not a flex. I’m building one on 160 acres and starting a beef cattle farm. We aren’t the same. Also no pics. Ever. Nice fan fiction.
>>27585387Old houses aren't bad and I'm younger than you. Its not a shit house, and could have a little more land but as a first house paid off not paying interest, I'm investing and saving otherwise. Also, nice humblebrag of living in bumfuck PA. Pic related is my house, you're disgusting.
>>27585408take your dementia pills Joe
>>27585408Ya I knew ur just full of shit. From the beginning. Also>fast replying to a trucker 11am on a ThursdayGet off ur moms couch and get a job lmao. Atleast I’m driving right now.Out of all of this that’s the most telling sign. Keep on fast replying to me u jobless cunt lmao
>>27585317those people are unnaffected by this whole deal entirely
>>27580806>1947 groceries>average household income was 3000$ a year.
>>27585416I work from home in my underwear. I can eat tendies, call truckers losers, and still make money in my mortgage free house. You enjoy driving for 10 hours a day for the rest of your life though.
>>27585462Lmao your wrecked kid. Best bet now is to just light ur desktop on fire and get outa moms house. Thankyou 4 the entertainment.
>>27580445The government shouldn't be making (((interest))) off the people
>>27585462>my life and job are utterly meaningless haha! Gotcha!
>>27583281Probably has better safety equipment than yours (airbag, side airbag, ABS, traction control,new set of quality tires etc etc)
>>27583281Euro NCAP*****Perfect score
>>27585478>caring about your job being """"meaningful"""" and extending your job to your lifeLmfao. You're all fucked up. All that matters in a job is how much it pays and if it's tolerable.
>>27585416>>fast replying to a trucker 11am on a ThursdayIt is wednesday... but the house does look better than i had in mind. Still not a fan of this area but I really don't have any suggestions either.
>>27580390>>27583285if they are that stupid they deserve to be homelest and fall under the survival of the fittest
>>27580427Attractive girls dont date guys who drive shitty cars tho
>>27585467soft looking hands for your age
>>27582602What kind of man doxxes and posts his family online? Specially here.
>>27580372Why exactly does a tahoe cost that much anyway? It and the burb are both just pickups with a built-in topper.
>>27585743>Attractive girls dont date guys who drive shitty cars thoI know this is bait post but don't repeat it: lonely guys will repeat it, buy an expensive car they think will impress women and still wonder why they're single.
>>27585775Not anymore (they have IRS and distinctly different interiors), and they have no equivalent to the low spec trucks so they start at 58k. You can get a 6.2 High Country to $95,000.
>>27581495... For now
>>27583966Who cares foaggot
>>27585771his life is just so good and perfect and enviable that he has to keep coming here for years to brag about it.
>>27585767What are gloves.>>27585771Uwontdoshit.com Newfag >>27586271Someone has to post OC around here while u kids posture ur google images
>>27585455>tranime
>>27585123vs not paying your loan?
>>27585670No fish gills. I will be going a trendy modern black styling because or course I would
>>27586334>Someone has to post OC around hereFor years we've been begging you to stop because your OC really sucks and you post far too often. Stop being lonely driving alone in your truck thinking anyone here wants to talk to you. >lookit me I'm a hotshot driver and make $6000 a day!There, happy?
>>27586354No. After reading ur reply I am not happy in lieu of it.
>>27580452anon you clearly don't know how loans work. paying off too fast is actually a bad idea as it makes financial institutions wonder why you even got the loan in the first place
woman moment
>>27586372
>>27586367You mean it makes them less money.
>>27580732post more of your wife's tits please
>>27586348Pay the monthly amount and invest the rest that you would have put toward the principal. A 2.5% loan is great because it’s about the same as the average rate of inflation, and actually less than inflation has been the last few years, so the real value of the loan is decreasing anyway. Better to put it in stocks instead of paying a free loan.
>>27580732Where's the milk truck?
>>27586337>>tranimeThat's Symphogear, fuckhead. Get the fuck out.
>>27587505People who aren’t genetic dead ends don’t care about whatever that is.
>>27583285She was only 25 years and 11 months old YOU SICK FUCK!
>>27585777you clearly never bought an expensive car becausw girls really are that fucking stupid
>>27588349I also don't date girls so materialistic to have a checklist including "expensive car". If those are the thots you want, then complete their checklist. Otherwise I will continue to enjoy things I enjoy and if they don't date me because I don't have a used Infinity, fake luxury watch, and $2000 basketball shoes I won't be upset if they reject me for that.
>>27586337I'm sorry i don't have a chan folder filled with large negroe penises and thusly can't cater to your personal tastes.
>>27588360>I also don't date girlsWe already know that
>>27588495WHACKETY SCHMACKEDY DOOOOOOYa got me. I have a girlfriend and while I take her out on dates, she's not with me because my bike or car is expensive.
>>27583285I agree that 25y/o women should be property of husband
>>27588515The gender wage gap is a myth. Every single time it's brought up they use a laughably unequal comparison as a reference point. It's always some shit like,>She started teaching English at Malcolm X College in Chicago last week>He has been teaching English at Harvard for 20 years>CAN YOU BELIEVE HE MAKES MORE THAN HER?
>>27588528Even worse are the disingenuous comparisons like >average male income is $83,000 per year>average female income is only $62,000, explain that gap!Then when you point out men make up 99% of coal miner jobs they want STEM programs that boost women only. Then femoids have the sheer audacity to complain they're constantly making more money than men and can't find a guy who makes significantly more than them anymore.
>>27586367Fuck those kikes.
>>27586367Don't forget about this turboJew shit. >A prepayment penalty is a fee that some lenders charge if you pay off all or part of your mortgage early. If you have a prepayment penalty, you would have agreed to this when you closed on your home. Not all mortgages have a prepayment penalty.
>>27588534>Go to a 70% female uni, chose uni slightly on that factor>Comp Sci>35-50 people / class>0-2 women / class, zero by senior year>"Give women STEM jerbs"It's all so tiresome. I'm not saying they can't do it, but they choose to go into sports nutrition or liberal arts.
>>27588616They mean high paying useless positions in HR or management
>>27588616>but they choose to go into sports nutrition or liberal arts.Yep, number of female friends in college that got a liberal arts degree, early childhood education, or communications getting their first big girl job (teacher or some shit) at $35k a year upset because my first bigboy job was $65k and I wasn't even using my degree citing gender pay gap. No, I'm not in a super-saturated glorified daycare worker job, I'm doing actual work.
>>27588534>>27588574Same with niggers btw.DEI and affirmative action are legalized schemes to give unqualified people jobs they don’t deserve to even out statistics on a spreadsheet.
>>27585743>Attractive girls dont date guys who drive shitty carsWhen I didn't have a car I would go on dates with using my moms van kek. I know a fattass whos dumping money into a car right now for the gurlza. I don't have the strength to tell him. Dont be him.
>>27589451Last time I had a gf, I was driving a $1000 car that literally had ducktape on it to prevent leaking. I drove her car a lot. When I got a job, better car and started helping her pay rent, she became abusive and then left me.
>>27589460I hate my gf low key, but we still have fun together sometimes. Oh well, six months till we can split.I’m going to manchild it up for a year or two once I’m out.
>>27580452If you pay off that loan any faster than you have to you are an idiot. You have a 2.5% loan, you will likely never get cheaper money in your life. As a matter of fact with inflation right now you are ahead, the value of that loan is decreasing without you doing anything. Take the excess payments and invest them. Even a few hundred a month invested will earn you millions over 30 years.
>>27586348Yes. Your loan is basically free money, the loan is depreciating at a rapid rate. Investing will net you the difference between the 2.5% and the return which will be higher.
>be XX chromosome>get something you want>cant afford it or dont want it anymore>decide someone else has to pay for itEvery single timekidscarshouseshusbandsstudent loansstore purchases(95% of returns are women)
>>27584977They can't pass it. Because the loan program is tied to funding obamacare. So in order to disband the loan program they would also have to amend obamacare and make up tbe funding of fuck over non college grads even more as the costs pass along.
>>27589591I regularly return things that I buy and don't need because it's part of the customer service offered at stores, don't act like it's some kind of burden. Does it make me a woman to buy multiple variants of parts before wrenching in case of fitment issues and then returning the ones I don't need?
>>27583348>tfw 22 and all ive accomplished is literally gooning in my bedroomfuck
>>27589916what a waste.
>>27589916KEEP GOONINGthere is no future for men (male)
>>27585455>cabbage>celery>tinned beansThe reason your groceries cost so much is because you're buying 50 dollars worth of processed junk food. The only thing in her collection that has disproportionately increased in price is the meat. In 2024 dollars that's about $140 worth of groceries>>27585475What do you think taxes are? Student loans are just another tax at the end of the day, according to the government. Same as Obamacare and social security. >>27589601Loan program was passed in the late 70s by the Carter administration. The DNC held an unbroken congressional (both house and senate) majority from 1957 until 19-fucking-96 (actually from 1933 until 1996, the four years where the GOP held a majority in the mid 50s were an anomaly), and again from 2006 until 2010. Obamacare was the ONLY thing they passed during the 2 years of Obama's presidency where the DNC held every branch of government. If student loans are tied to Obamacare, it's their own damn fault.
>>27580806
>>27580372They need to keep doing this. We need an automotive crash on the level of the housing crash. There's no fucking reason the median average car MSRP should be the $40k range. Car inflation has blasted past most other categories of consumer good's inflation
>>27584031Not OP but a 3yr old truck could easily still be worth $42k-$44k depending on miles/location. I see it all the time in my area.
Anyone have that pic of a guy in front of a white GMC truck saying he got like a 96 month loan on it?
>>27580559It's way easier to load your kids and shit into an SUV. That's just a fact. Yes people did it forever before SUVs took over the world, but they didn't know what they were missing.
>>27593588Do you guys think any customers at these ghetto car lots ever stop to think (silly question so far) that they're about to sign a contract to pay 10-20x what a car is worth over 7 years? Or is the thought process>ayo fuggin needs me a cah>only got like tree fiddy today >dem cahs eez too ninney>roll dah whip, roll da joint fuckit imma twerkConstantly on they phone eating hot chips but never bothering to buy private party for like $2000 total?
>>27593730>Be me>Put old shitbox on graigslistGet calls / texts Bix nood mufugga gimme dat Hyundai, I got tree fiddy cash, some weed and a ps4> Block number
>>27592302$12.50.....$175So on top of inflation hoeflation is running 5000% cause this woman wants a $90,000 car and cant be satisfied with $175 in groceries
>>27593730That's their main problem; they are too low IQ to imagine/realize what their choices could mean for them in the future.
>>27593741faceberg marketplace is a fucking weird place where I live. Saw a clearly wrecked, neglected, and abused motorcycle listed for $1000, looked like it was photographed in a landfill with all the garbage, scrap, and abandoned "projects" nearby. 30 year old bike in awful condition. listing says "need this gone asap". I offered $100 to counter his $1000 listing. >you need to pay me more den dat doewas his exact reply. I deleted my FB profile knowing this was the type of retard I'd have to deal with there. That was after 3 "runs good, just need a battery" listings I tried to get for reasonable prices. All mexican, basically no english titulo limpio bullshit. I fully understand why people overpay at dealerships now. Wading through the no english immigrants, and no english blacks makes me want to pay more to avoid them.
>>27592288Should also be noted that they didn't start adding cornsyrup & seed oil to everything till later, and those cans were manufactured with American metal and labor. Also the distribution network couldn't get fresh fruits and veggies from south America to the general store in Moscow Idaho, so she probably had a garden to grow whatever grew in her area.
>>27580537>bought a ramCome back when you own a truck that isn't a dumpster on 4 wheels.
>>27580427My monthly payment is higher than that, lol
>>27584094i mean it's true but i've never met an intelligent high school drop out.
>>27580537It might blue book for that but you'll be lucky to get half of that in trade in value
>>27594378Ive never met an intelligent college grad who wasnt doctor/lawyer/engineer. And most of those people are retarded outside their field of expertise. Some of them were retarded in their field of expertise. For example I once saw a dermatologist who had terrible skin conditions and he told me that antiperspirant deodorant was fine and food doesn't affect acne. I started eating better, taking some vitamins quit using antiperspirant anyways and then my skin cleared up. Ive met airplane engineers who couldn't understand basic car mechanic shit, etc.
>>27581353>8%Here almost all credits for cars and shit are 14%.
>>27580537>Ram>worth anythingIts a Ram, the market does not smile upon that shitty brand. It appeals to poors for a reason.
>>27593588>25k for a shitbox piece of old trashAmerican economy is truly fucked or she got literally scammed hard.
>>27594959She's on welfare. Taxpayers got scammed hard on this one
>>27594959Have you never heard of a buy-here-pay-here dealership? Its legal loan sharking.
>>27593588>289 bucks for 84 months...WTF? FOR THAT?!
>>27595023Imagine you couldn't relate to your future self. You're getting a nice little car for $500 down. And you're screwing over some random bitch with 84 payments for an increasingly shitty economy car. 84 payments are Literally not her problem
>>27595043
>>27595248The shit is a scam, they get business loans and investment because they serve the poor/minority groups and when they go under they transfer ownership to someone else in the family then repeat the process.
>>27595248>$66,696 for a +10 year old car with over 200k milesI don't even know wtf to say.
>>27595526Again, he has no mental permanence. He is an entity that exists right now. He has the memories fo other entities that occupied his body at previous times, but he is not the same as the future man that has to deal with breakdowns or payments or repo. Hes enjoying a nice car and if it fucks over some future entities who cares, They are jerks anyways
>>27593588>>27593730>>27595023>>27595043all of those images are from facebook boomer troll pages/o/ will believe this anyway because you're not very bright lawl
>>27583581What an unfortunate mug
>>27583581Are those 3 men in the harem of that woman?
>>27581606It was pretty gay but also full of good wisdom
>>27581037I instatly bought new Ford 250 and some Ford stocks. God bless USA
>>27593592Loading your kids into a sedan:>open door>put kids in>ensure their seatbelts are fastened>close door>open trunk>put their soccer gear or whatever inside>close trunkLoading your kids into an SUV:>open door>put kids in>ensure their seatbelts are fastened>close door>open rear hatch>put their soccer gear or whatever inside>press automatic hatch close button wow i saved half a step!
>>27595649You aren't aware of what these dealerships do. The 84 month terms are probably wrong, but its very much well known those types of dealerships charge a monthly payment of about what they paid for the car at auction. First time it "sells" they've broken even. Any peyments after that are 100% profit. Then they have to repo it, then plop it on the lot again to resell.
>>27586271She a piggie niggerfucker. He has a black babby and everything.
>>27581037>Of course the rear suspension is blown and sagging on that Taurus. They’re ALL like that.Are you blind or just retarded?
>>27580372what the hell? Get a 90s japbox for $1000; I can get a 2020 Mazda 3 manual hatchback for $15k.
>>27595915You don't have to lean and strain your back loading SUVs. Its also easier to load old people and fat people. Cause your not just going to haul kids, you will sometimes take adults around.
>>27596317uhhhhm no, sweaty. A used car? Sounds like you're begging for a breakdown. Its not big enough for her and her 3 sons. Also its very low to the ground, thats just begging to get killed if someone hits you. Plus it looks like a dog taking a shit. That lifted suburban with 22" wheels and off road tires is the perfect commuter vehicle. It can fit all the groceries, and carry her sons. Besides, she works really hard to provide for her sons and deserves something nice. Banks and corporations are just greedy, why can't she just have that stuff for free? Baby daddies don't pay child support so its all on her as a single mother being a fierce bossbabe!
>>27580452You’re a midwit. It makes no sense to pay down a 2.5% loan vs doing literally anything else with the money. Even taking the extra money and putting it in a savings account at a garuntee 4.25% would be better.
>>27596403>it makes no sense to own your house >just debt slave with rent to own for 30 years >just never lose your job and work until your 60, give 300k to jews for free and then you can maybe own your home No. Own your home as soon as you can and be free. Lose you job? Oh well you own your house maybe work at the local gas station for a while.
>>27596403>savings account at a garuntee 4.25%These high rates only happened recently and will go back down when the fed lowers interest rate, forcing the banks to pull back on their interest rates.I agree with you though, if you have such a low interest rate on your mortgage, it makes sense to have your money work for you instead of paying down the house (assuming you don't plan on selling early because house mortgage amortization schedules are so fucked and you're mostly paying interest at the start in lieu of buying into your share of the property).>>27597138Nah, you're even more retarded. Losing your job doesn't make you lose your investments. If you can't afford to pay off your house, don't buy it. Simple it. (ok, this last comment was tongue-in-cheek, and I'm only half serious).
