Is car ownership just for low IQ normies now?
>>520339723Getting loans for things (besides a mortgage for a house) is truly a tax on low IQs. I remember buying a laptop and being asked if I wanted a monthly payment. I did the maths in front of the cashier and asked why I'd want to pay twice the sticker price. She looked at me angrily like I wasn't supposed to work it out.
>>520339723>Judahthere's no way this is a real review
>>520339723156k
>>520339723> 200 dollar biweekly payment> biweeklyI pay this for the annual insurance of my 2nd hand Nissan that I bought for €1500 from an old German retiree here. I may hope to drive it until I die.
>>520339723>30 year car loanI didn't even know that shit was possible
>>520339845The funny shit is that in theory, if you could get a bigger return on the cash you temporarily keep would take the loan.So a total asshole would tell you (and be correct in telling you.>just take the loan and make a 25% monthly ROI retard. What are you? Lazy?
>>520340025It's not
>>520339845>I got angry at a cashier because she took one look at me and deduced that I looked like a broke hunk of shit who needed credit help so I mocked her for it.They never ask me if I wanna put things on credit because I don't act and dress like a broke fucking bitch.
>>520339845>She looked at me angrilyI’ve noticed that too. The car salesman was an asshole after I told him I pay in cash. He was upset that he couldn’t sell me a loan
>>520340025200 dollars x 2 each week x 5220k x 30 years…..600,000 dollars for a jeep?I’d say this is a joke but you never know nowadays
>>520339723Judah will be lucky to get 3 payments before he calls the repo man
>>520339723Why would anyone use the term biweekly which means both every two weeks and twice a week simultaneously. I bet jews and lawyers love the term. Probably jew lawyers too if the two forms of sociopathy amplify rather than cancel one another out.
>>520339723I was offered something terrible like this years ago when I bought my first car. It was like $100 a month for twenty years. I figured I needed to change my hair and my wardrobe.
>>520339723>30 yeargood god damn
>>520339944400 x 12 x 30=144,000
>>520339845Even getting a mortgage is a scam nowadays. Most people buy the most house they can afford rather than the least house they need. Houses doubled in price (at least) in 5 years, the interest rates are high, and people's incomes haven't risen much at all. The only viable option is to inherit one of your grandparent's house and live in it. Car financing is an obvious scam that idk how people fall for.
>>520340198biweekly is once per fortnighti know it makes no sense
>>520339723This is AI, it must be. Wtf are those wheels?
>>520340277biweekly = every 2 weeks (hehe)semiweekly = twice a week
>>520339723I mean key isnt that big but it barely fits into this car °_°.
>>520340048>25% monthly ROIImagine being this stupid
>>520340277no. learn english, ESL-tard.bi -> every othersemi -> halfbiweekly == semimonthlynot his fault that foreigners like you sign contracts without understanding English.
>>520340133I’m always offered financing and don’t care. Playing dress up is for fags. Have a nice car though, I enjoy myself a quality drive since I’m in the car so often.
It's weird. When I was young, it seemed like some people had a car or didn't. And if they had a car it was usually one per household. But now everybody has a car. Mom, dad, poor people, unemployed people. All mostly financed and many with horrible interest rates.
>>520340296
>>520340133> They never ask me if I wanna put things on credit because I don't act and dress like a broke fucking bitch.lol Moran 1 million dollar apartment owned outright in nyc is about 40-50k a year in taxes upkeep etc. That’s about 4,000 dollars a month in rent. So you literally pay more money owning a shitty nyc apt outright than you do just renting.
>>520340467obv not a mathematician
>>520340351fortnightly and sennight/bisennightly need to make comebacks
>>520339723Car? NoCar loan? Yes
>>520339723I've filed Ch 13 in my day and my credit score never dipped below 600. What the fuck are these retards doing?
>>520340296wrong. to get a biweekly payment you have to multiply by 26, as there are 52 weeks in a year and you are paying for half of them. you cant just do 400 a monthx 12.so it is26x200= 52005200x30=156000
>>520340527
>>520340412Defeated by ai Biweekly” can mean either of two things, depending on context — which causes confusion: Every two weeks (most common in the U.S.)Example: You get paid biweekly you receive a paycheck once every two weeks (26 times a year). Twice a week (less common, but technically correct)Example: We have biweekly meetings could mean two meetings per week — though most people say “semiweekly” to avoid confusion.Tip:For paychecks, “biweekly” almost always means every two weeks.For scheduling events, clarify by saying “every two weeks” or “twice a week” to avoid misunderstanding.Hand in your whiteness card your being shitted to New Delhi
>>520340531>sennightwell that's my days learning done
>>520340668Bi weekly can mean both twice a week and every 2 weeks
>>520339723Biweekly can mean either twice a week or every other week, so he's either paying $156k or $624k
>>520340668car salesman detectedtouche
>>520340754600k is about the cost of a new Lamborghini btw
>>520340500except you are building equity on an appreciating asset, and there are certain capex exclusions like if ur married.though if you're good at investing, by all means rent, because your cashflow will be much better and u can invest the extra cash in the markets.also depends tho on mortgage rates. sometimes you can get a good rate and then the property appreciates at a faster value.
>>520340133
>>520340681>AI slopnot reading. AI is just updooted reddit, I dont care what redditors say
>>520340915You’re just hoping that property values will continue to moon. You’re really just better off renting and putting the money in an index fund. Unless you have a lot of money and want to diversify. Real estate is a fucking nightmare sometimes, a stock index fund requires no upkeep or thinking.
>>520339723I don't understand what the fuck is happening anymore.
>>520340742in finance related fields it almost always mean every other week., as far as i know.semi monthly means twice a month. that is where you might be able to use the 400x12 calc
>>520341098Who the fuck takes out a loan for 100k how fucking poor are you
ofcourse a spic got a 30 year loan, fucking chimp brained subhuman, he is a big man in a car he doesnt own I bet
>>520341059thats what I said, but I expect nothing less from an AI slop poster. filtered, you fucking ESL dolt.
>>520341162When I first read it I thought “there is no way in fucking hell he’s making a payment twice a week wtf system is that” but it’s more fun to do the math and pretend he’s paying Lamborghini money for a shitty jeep
>>520339845>Tax on low IQsGenerally I agree with you, but in my case my car is an economic instrument that I get to write off both the interest and the depreciation.
>>520341059aren't you just assuming stocks will also continue to moon
>>520341236Yeah I’m the dolt Invest in physical gold properties baseball cards art What could possibly go wrong
>>520340681>cares about grammar and technicalitiesand then...>your being shitted>your
>>520341377I believe that stonks going up matters more to the house of cards than property values.
>>520341485i guess yeahsince a few thousand families likely own 90% of stocksversus the plebs own all the housesmakes sense
>>520341377Real estate is far more volatile and subject to local factors 400k in Detroit real estate being worth 10k means Detroit sucks 400k in stock being worth 10k means the Nazis are about to take over
>>520340018In the states gov and car manufacturers have been trying to find ways to destroy older cars. There is all sorts of conspiracy about salting roads to destroy undercarriages and gas becoming lower and lower quality. If they made every car have a 5 year life span and it took everyone about 5 years to pay it off you would be stuck in endless payments. Nothing pisses off jews more than driving around in small cities with a truck from 1999.
>>520341574Real estate is far riskier than index funds However it’s far easier to make a lot of money investing in real estate than stocks. You basically need insider trading info to make money investing. Real estate just requires you to pick a hot market.
>>520339845Loans are great, even essential if you can work the payment into your plan, or if you just don’t ever pay them back. Money now can easily make more money later, but it’s not free. Unless you don’t pay, then it’s free as fuck
>>520340316I think that 90% of the problems with the world economy can be solved by outlawing the borrowing of money from the future.When you take a loan, there's a contract that says the money's paid back by a certain time in the future.That contract is so legally protected that people can trade the money before it's been paid back.It means your mortgage has already funded 5 other mortgages by the time you've paid it all in full, and yours was paid by another mortgage before it was paid back in full.This practice leverages the premise of future wealth creation, which is also why the "economy needs more workers". It's expected that more workers create more wealth which then pays for the loans that were already traded 50x 10 years ago but are due in 10 years from now.This one single trick is the key to the Jewish vicegrip on the world economy.Outlaw it and every single mortgage and loan will default automatically, because the overwhelming majority of financial products leverage money that hasn't been created.They can't impound everything. They're fucked.
>>520341690boomers here literally filled engines with sodium silicate during cash for clunkers, thereby shredding the used car market.
>>520341747Number ten, a strong word called consignmentStrictly for live men, not for freshmenIf you ain't got the clientele, say "Hell no"'Cause they gon' want they money rain, sleet, hail, snow
>>520339845>(besides a mortgage for a house)That's also a tax.
>>520340742>every 2 weeksIt has got to be this one
>>520341840Still can't believe this. Actual systemic destruction of resources. Blows my mind.
>>520339723>JeepFuckin stupid cunt
Don’t do what I did btw which was hold onto 400 crystalline radiance enchants in wow because they dipped to 3k each and you wanted to be greedy and sell at 3600 like they’ve been for a while only to see them crater to 1000. And then not unload during the crash just sit there with your dick in the wind.
>>520341820That's basically what banks do with your money. If we stopped all loans, though, that would completely destroy the economy. If there ever comes a day when loans are no more then that's the end of the world as we know it.
>>520341301He's not going to receive more than five payments before it's time to call the repo man. The reason these insane loans exist is because the ones making them know with 100% certainty the borrower is going to default in a matter of weeks. I sometimes wonder if the borrowers know the score too and are just leveraging their atrocious credit to essentially rent a shitbox (they'll even pick it up for you!) but then I remember they're so certifiably retarded they would probably pull their shoes off to count if you asked them how many toes they have.
>>520340363It's a basically new jeep bro
>>520339845You cost her a $5 commission she was going to spend at starbucks.
A 144,000 jeep if every payment is made on time which it very clearly won’t be
>>520339723No, but having a car payment is.
>>520342095Here’s an investment strategy the white msn has been using since western civilization began Lock yourself in room and don’t come out until you are making 750k a year
>>520342048They do it with everything.I'm not suggesting all loans are banned though.Trading borrowed money before it has been paid back, that's the problem.
>>520339723Fake image. Kys
>>520341190Who the fuck issues a loan to someone needing 100k who clearly doesn’t have the money to pay the loan
>>520339723Why shouldn't I just drive my old Honda until it gives out, then but another used Toyota/Honda for cheap? I can't think of any reasons.
>>520342014yea it's depressing. i get similar vibes watching germany blow up the cooling towers in their last nuclear plant. TVA did it a few months ago on a plant, too, and got ripped apart on X for destroying perfectly good towers.
>>520340155They hate paying in cash at the dealership, it throws criminal red flags. They get a kickback on bank loans and usually can't honor the lowest price unless you pay the the $600-700 bank loan fee. You can pay the entire thing off in 3 months. It's usually the path of least resistance. I only lease vehicles through brokers with high residuals so I have to deal with banks because they own it but the interest is pretty low. I try to pay a max of $18k total for $65k vehicle 39 months.
>>520339723Well that's only 168,000 dollars
>>520339723>300 credit scoreImpressive.>>520340025It'll be rust before that term is up, he's basically renting with the facade of ownership.
>>520340500I guarantee you that your landlord isn't dumb enough to lose money on his property.
>>520339723this is an obviously satirical review
>>520342294niggers and sandniggers think that having a gwagon or bmw is the most important thing, even if it's on loan.niggers especially brag about shit like "dey A Pee" (ap watch) while on EBT. they judge a billionaire SV techie in a honda for being "poor".
>>520341301actually i was thinking kind of the same thing, what twice a week??!? but i have to do there kinds of calculations all the time for my work, determining people's yearly salary for various reasons. most paychecks i get to review are 'biweekly' paystubs, and i was just as surprised as probably most regular people are when i was taught that you need to multiply their biweekly gross wages by 26 to caculate their yearly salary off that. by nature most untrained people will assume that if you are getting paid biweekly it happens twice a month, but there are actually more payments per year than just twice a month with anything 'biweekly'.a useful tip for people who can afford it and are trying to save money, or pay down a loan, is to enroll in some kind of biweekly deposit program, as you will actually save/pay more than if you just make monthly payments/deposits into savings accounts.
>>520340277>the term biweekly which means both every two weeks and twice a week simultaneously.You're fucking retardedbi = 2biweekly = 2 weekly = every 2 weeksIf you get paid every other Friday you're paid biweekly. With 52 weeks in a year you get 26 checks in a year. Semi = HalfSemimonthly = Half monthly = every 15 daysIf you get paid on the first and the 15th of the month, you're paid semimonthly. With 12 months in a year you get 24 checks in a year. If a store is having a biannual sale it means they have it every 2 years. That's weird. That's why you never hear the term biannual sale. If you hear the term semiannual sale, it means they have it every 6 months. It's why you've heard that term more commonly.
>>520340048What the fuck are you rambling about, you incoherent tit?
>>520340198You’re math is a little off, it would be 200 x 26 (52 weeks in a year but biweekly would be 26 payments in a year) x 30 would be a 156,000 but that doesn’t take into account the interest rate. 600k or 156k is irrelevant because that jeep looks like it shouldn’t be more than 6k
>>520342306Saw that, yeah. For everything wrong with France, they got nuclear right. What's funny is most of France's nuclear energy is actually on the border with Germany.
>>520339845She was probably more annoyed that you bothered wasting her time doing that as though she specifically was trying to trick you and you'd achieved some epic pwn in DEBOONKing her. Her manager just told her to offer that every time someone buys a big ticket item so she does. She doesn't know whether it's a good deal and she doesn't care, she's getting paid close to minimum wage. Imagine getting badgered by your manager to upsell on every transaction and then some autist subjects you to a moralizing tirade because you did.>>520340155>>520342335For a car dealer, at least here in the States, you are legitimately taking food off their plate when you pay cash instead of getting a loan. And for a salesman that's him specifically since they get paid on commission. They have every reason to be annoyed.The criminal thing isn't a real complaint though, these are car salesman, they don't care about that as long as they don't get burned.
>400 a month for a retarded nigger box he probably already rolledThank G-d stupidity is painful, just look at the average retard who lives like this.
>>520342564He's saying that, if you can make more money with the money than the financing will cost, you should finance.For example, financing a car at 3% and investing the money in stonks to make 8% is theoretically better than just buying the car outright.
>>520342540Lucky for you, there is no intelligence requirements to post here.https://www.merriam-webster.com/dictionary/biweekly
>>520342745yea and France/Areva has breeders in france and canada, too. now france gets to sell more power to the idiot germans haha.they had this old advert where they used H5 design studio who did royksopp's remind me nusic vid https://youtu.be/MNWVmMQKJ1s
Just how much is a used car in USA that will last at least 2 years? Here in Europe I bought a used car for 1600 euro and i plan to pay no more than 6000 euro for a van that i will use for van life. Mutts are you ok?
>>520341332>Generally I agree with you, but in my case my car is an economic instrument that I get to write off both the interest and the depreciation.You're conflating 2 different things. You're paying interest to service the loan. That's bad. You're also getting tax benefits by using the car for work. That's good. But you'd get the benefit of deducting the depreciation even if the car was paid for. If the car was paid for, you wouldn't get the benefit of deducting the interest, but you also wouldn't have to pay interest. Why are you proud of paying, say, $2,000/year in interest just because you can write it off? You know a write off just deducts that $2,000 from your taxable income right? Assuming you're in a 25% tax bracket, you save $500/year in taxes. So you're bragging about spending $2,000 to save $500. I don't think you'll be in business very long.
>>520340500This guy is retarded. His numbers were plucked out of his ass. I have a few 2 family houses in nyc. Its $7k-12k a year in property taxes for a 1-2million home. $2300 a month rent free gas for cooking and heating, use of the backyard. Keep shitting on mom and pop landlords. All your leases with be jewish and so will your rent and freedom.
>>520343265this. whenever I hear normies act like write-off means tax-free, I know they have zero financial literacy
>>520343330LOL looks like the filtered guy I blocked for being a chatgpt moron haha
no. low-iq normies walk & take transit.in the coming years, more pedestrians are going to be 'hit-and-run' by the so-called "automobile class"
>>520343155Theyve gone up a lot from all of the illegals buying them up and new cars costing so much. Probably around 4k is as low as you could regularly find something that isn't a total shitbox in my area. It was half that only a few years ago.
>>520343547Eh its something i guess. Im using mine to sleep in/not pay rent atm while making money via food delivery with it so id give 4k no issue for the same setup in USA instead of rent+actual work.
>>520340133Surely this is the only reason a retailer might offer financing.>we're doin' ya a favor on account of ya look poor, goy!Retard.
>>520339723Wouldn't it be easier and cheaper to get rid of dealerships and buy directly from manufacturers? How those archaic laws are still in place is mind-boggling.
>>520343547Broken A/C in a hot state gets you a better deal. I seen a 04 grand Cherokee 4x4 for $1900 no a/c black on black. Beat up but everything important works.
>>520339723financing a car with a 300 credit score instead of fixing your credit for about a year first is pretty dumb
>>520340048In English please?
>>520340742Yes, surely they must intend to process a payment every 3.5 days.
>>520343792I found my broker on lease hacker. My whole family uses him. If I walked in a dealership and asked them to price match even with the $600 broker fee in mind, they'd laugh me out of the dealership and treat me like shit. They sell to the best sucker and if there's a crazy deal they give it to friends and family.
>>520341747I can only think of (((one type of person))) who never has to pay back a loan.
Why is he so huge and the car so small> Is this shopped? And that 'motors' salesplace clearly used to be a gas station.
>>520341747>>520339845Loans are great if you take out student loans in 2020 but actually put then into bitcoin at 3k and now you've got 440k in bitcoins.But you didn't do that, you stupid fuck, you didn't do that at all and you lost the loan and now you're in deep shit. You dumb asshole.
>>520343882300 means you've basically defaulted on every loan and credit line you've ever taken out. A year isn't going to fix it, but more importantly, you're already clearly, literally retarded if your score is that low, so reasoned long-term planning obviously isn't your modus.
>grew up poor>parents never had a new car>feel into the same "philosophy" of no car payment, do your own repairs always>have shitty van>always kept it going as best as I could>transmission has lost several gears>power steering, AC and water pump going out>15 mpg at best>$400 gas bill every month>cant afford to take days off to drop a transmission as my IT job is contractual with no PTO>instead put 2k down on a new base model Prius with 6.5% aprI'm not apologizing
>>520340440It hurts to admit it, but most Americans are fat retards. My family has been here for 400 years and still none of us own a fucking thing. Being a dumb pleb sucks.
>>520339723Why anyone with a brain would.want a new car full of all sort of useless electronics and spyware that can stop from.moving when a sensor is fried ,some capacitor blown.
>>520343925He's saying this is what banks already do. Borrow low from fed and then fleece us.
>>520339723Is this some kind of sick joke? I don't even know what he's talking about. Plus that Jeep has ridiculously oversized wheels that will cause it not to drive or handle the way it was designed, which will also inevitably lead to costly damages and repairs that he clearly can't afford.
>>520339723My mortgage is shorter than this nigger's car loan
>>520339723>nyess my bus pass brokie status indicates high IQno you just failed to function in life so car ownership seems like a lofty dream, OP. Now you're coping you failed to achieve something any retarded shitskin or white trash can achieve.
>>520342335>You can pay the entire thing off in 3 months.Isn't there usually a fee for that?
>>520340440Try to do all your daily errands with public transit in any US city for one day and you'll see why people are willing to go into debt for a car.
>>520343925Warren Buffet famously stated he likes owning his house for its sentimental value, but if money were the only factor, he would have just rented since the extra money he could have had in the market would have more than paid the difference between the 'bottom lines.' The obvious main problem with this line of reasoning as it applies to most people is most people aren't remotely like Warren Buffet.
>>520339723these have to be troll images
>>520339845rich and poor use loans the same way, the only difference is poor people get fleeced with interest and wealthy people don't. my first car was financed at .09% interest in 2016. I had the money to pay it off outright, but instead parked 22k in an stocks that returned 25% the first year, 22% the second year, etc. over the life of the car loan, I only paid ~$200 in interest but the initial 22k in the market grew to ~60k over the period of the loan. the average retard today does it differently. they take out a car loan at 55k, not have any money towards it and pay 6.7% interest and only make the bank and dealer money on a depreciating shitbox. my toyota is still worth 60% of the initial purchase price due to market demand and the fact that toyotas hold their market value insanely well.boomers that just pay cash are just as retarded, they hold it in a bank account that accused next to zero interest on deposits, and just loses a chunk of savings, they lose potential returns on the money, and all they did was gain a depreciating asset. at least there is no loan I guess. basically always leverage the banks money when it's in your favor, because even if it goes south, like in real estate investing, you can always declare bankruptcy and you don't have to pay it back anyway.
>>520340316Then they hit you with special mortgage taxes and mandatory insurance. Imagine paying tax for taking out a loan. Everything is predicated on debt math now. People just look at how big a payment they can afford instead of how much they're actually paying.
>>520339723>Is car ownership just for low IQ normies now?Not if you own a REAL car that works without wifi
>>520344451You got your money's worth out of it>PriusEww dude what the fuck
>>520344935I only helped my dad buy 2 new floor models and both times it was fine. I don't want to doxx so I wont say the full sized loaded sedan he got for 19k and a base minivan for 23k. Thoes were the days. We lease now and keep the payments under $450 zero down payment.
>>520343265Still does make things cheaper if it’s for business. Idgaf if the truck is 90k as I’ll 179 it and rock a new one in 2 years anyway. Makes enough money to be worth it.
>>520344935Forgot the AI slop
>>520340440>>520344953Car-as-default infrastructure is also car-only infrastructure in pretty much every case.It's hard to see it as anything other than intentional. Even leaving aside active, intentional conspiracy...is it really an accident that a country obsessed with GDP and profit tends to force everyone into forms of transit that maximize both? Or is it some inexorable force within the system that, conscious or not, enforces its will all the same?
>>520346152>Eww dude what the fuckonly modern vehicle I can stomachmechanically simpler than most newer cars ironically, no torque converter, no CVT belt, no starter, no alternator and no belt driven accessories Toyota electronics are fine so no harm there
>>520339944>156kChecked, I bet it's more like 240k, miles that is.
>>520344634jeeps drive like shit from the factory don't worry it's probably only 1.5x worse
>>520346702>Car-as-default infrastructure is also car-only infrastructure in pretty much every case.You can make the same argument about virtually any technology. What is first introduced as convenience eventually becomes necessity.The US and public transport is a unique situation though because of the nigger question.
>>520342770>Imagine getting badgered by your manager to upsell on every transaction and then some autist subjects you to a moralizing tirade because you did.Imagine browsing /pol/ and not being autistic
>>520341820>>520342048The problem with consumer lending is that there's no particular reason that the peasant you're lending to should become more productive tomorrow than he is today because of the money you lent him. When peasants take loans it's to pay for things that are basic necessities, not things which create additional productivity, so the future value represented by the currency has nowhere to come from except the assets of the peasant, however few those are. In ancient Mesopotamia, lenders would lend survival rations to farmers with their land as collateral. When they inevitably couldn't pay it back; because they were dipping below baseline when they took the loan and are still living hand to mouth after; this immediately plunged them into serfdom and slavery when the lender would either seize the land, charge a percentage of their crop produce, or both. Note that owning the land someone else works and taking a percentage of their produce is exactly a feudal renting arrangement, just with slightly different justifications. This was so bad at the time that the rulers had to declare debt jubilees frequently to save the peasants from serfdom. Consumer lending is very very difficult to make non-predatory.Business lending makes sense because when you lend a business money to invest in new assets, those new assets can in theory increase productivity, ripping new value from the void and providing the value to pay the loan back with, plus keep the business in the black.Double-entry lending is also ludicrous and as Werner lays out puts money creation in the hand of private banks instead of the hands of the government, where it belongs.
>>520347114>What is first introduced as convenience eventually becomes necessity.I was going to say that the introduction of the cell phone didn't force out face-to-face conversation the way cars forced out trolleys and such, but then I thought about it a bit...
>>520339845Stupid evil foid working for da jooz
>>520346422>TruckOk boomer retard
>>520339723Compound interest has always been the great normie filter. The vast majority of people should only ever be taking out a big loan to buy a house, and that is only after securing a high credit score and substantial enough down payment to get the best rate. If you know someone that's obsessed with cars (and isn't actually rich) you know they are a fucking retard. When I was saving for a house living in a cheap apartment, another tenant had a BMW and a dirtbike. Bro was living in a 500 sqft apartment with 2 vehicle payments.
>>520344451Yeah, it's rough out here, I see slaves everywhere, whether it's to student debt, or car loans. For me it's a loan on a truck, not the worst, but God damn do I miss those 1k a month flying out of my pockets.
>>520348044Sorry people have uses for them unlike poor people.
>>520348044Trucks are great if you're constantly forced to relocate. Don't have to beg some faggots to help you. You just pack that shit up, and go.
>>520339723>thanks again judas shlomo!!
>>520348609It's legitimately getting betterOther than the house and now car, those are the only things I have a loan on.I can say my upbringing has led to not falling into traps and expectations it seems so many zoomers make themselves miserable and broke overIf I could make 80k a year (50k currently) I would legitimately be in good shape
>>520349439i will never feel secure until i have a paid off housei'm doing ok right now but i can never escape the paranoid feeling that everything could change if i randomly get fired at any moment
>>520349439>he didn't get gangstalked immediately after purchasing a house and had a staged accident total his car because some old navy boomer pretended "he couldn't see the stop sign"NgmiToo low IQ to be apart of the eugenics program against exceptional intelligence thus becoming a KNOOWER
>>520349697i was in GATE and i am a massive retardgang stalking is retarded schizo nonsense for people who can't cope with their own insignificance
>>520349568I feel secure in that I can take most any job and pay for the essentials.Probably helps there is a bunch of manufacturing and warehousing jobs that always seem to be available and pay better because no one else wants them.
>>5203397231pbtidfake and gayspam
>>520340681No one like a grammar jew.
>>520342770You should be beaten into a coma with tire irons and chains.
>>520350081Fedlet shill
>>520344229Ma'am this thread is about car loans and mortgages. Take your out of the blue Karen outrage elsewhere please.
>weeks can be bisexual nowI'm sick of DEI garbage
>>520339845>Getting loans for things (besides a mortgage for a house) is truly a tax on low IQs.It's a tax on poverty.
>>520350607The fuck? What is with you posting reddit memes? You lost, newfaggot?
>>520339723>judah
>>520341840Lots of cheap used cars also got exported to Mexico. They’d buy them up here and take them to Mexico to fix up and sell. I remember seeing them with in tow signs on Interstate 40 and 35.
>>520340412>bi -> every other"bi" means "two", retard."When we describe something as biannual, we can mean either that it occurs twice a year or that it occurs once every two years." - https://www.merriam-webster.com/dictionary/biannual
>>520339723Isnt this shit what caused the 08 crash but with houses instead of cars>oh yes goy, you can definitely afford a 12 bedroom mcmansion on a burger flippers salary
>>520339723Public transport is horrible. So no, not really
>>520351006>The fuck? What is with you posting reddit memes? You lost, newfaggot?
>>520350081PROOF NOOKEhttps://odysee.com/@gangstalking-australia:8/avs-2022902:1https://web.archive.org/web/20250120175435/https://www.targetedjustice.com/gangstalking---training-manual.htmlhttps://educate-yourself.org/cn/How-to-Stop-Electronic-Harassment-via-Nano-Fungal-Infection005jun17.shtml
>>520339723That's not ownership though, that's renting.
>>520351322It's not of the same character. These people aren't getting high-end cars by and large, just barely serviceable beaters. And car ownership is fundamental to American life. Even if you're living with your parents you still need your own car to go anywhere or do anything.
>>520339723lol 200 doller biweekly thats a new one
>>520339723Car ownership is fine, but loans and paying 200$ every week for the next 30 years is not.
>>520350363
>>520339723I don't have a car but that's not by choice. Cars gives you so much freedom to explore if you prefer spending time outdoors and not in heckin walkable cities.I have a lot of options for hiking accessible by public transit, but most of the routes just aren't challenging enough for me. And the solution is not to build transit to all the other parks. Too much accessibility leads to overuse and is an ecological nightmare and also just kills the vibe.
>>520352581It's bothYou have people who are really struggling for whatever reason getting really jacked rates on shitty vehicles and then you also have the people who are doing ok getting much more expensive vehicles than necessary.
>>520340681we use the term fortnight or 2 weeks, because we're not as retarded
>>520353269
>>520342770Hope she reads this you simp bitch
>>520339723>30 yearsdudes retarded
