Need to buy a new car for my wife...

[rkymtnman]

So you own a asset your expecting to take a major hit to its value fairly soon

our house value went up $95K in the last year. demand in CO is unbelievable. so your advice is still not sound.

 

[rkymtnman]

Under your system it's yours. That loss is all you

that's the thing, we aren't going anywhere. so we wont' be taking a loss.

 

[rkymtnman]

That's precisely my son's plan. He bought a home in Santa Monica close to the beach. He's paying it off in 4 years while he's fixing it up. Come the next re-adjustment he'll be in a good position to take advantage.

smart mom=smart son.

 

[too larry]

I retired at 30 bro.. you do you...

Not to rain on your parade, but studies have shown that for every year you retire early, you will die one month earlier.

 

[too larry]

Leasing is trap for people who don't proper understand credit management. They keep trading in and carrying over the remaining/outstanding debt until they are way underwater on the loan. Plus, like cn says, all the dings they hit you for at lease end. Sometimes, if the deal is right and you plan from the get go to buy out the car at lease end, it's ok. but I still look for my own financing anymore.

Cousin Lisa leases more car than she can afford to buy. She knows she's flushing money, but it means more to her to have the flashy things in life. As for me, I'll drive my 21 year old truck and buy dirt. That is not rolling off the assembly line everyday.

 

[too larry]

i only worked part time this summer. my wife makes the money around here. i just grow weed for us.

My wife is the rich and famous one in the family too. She has been after me to stop working for a while. But since we bought the river house, she has eased up a little.

 

[lokie]

Cousin Lisa leases more car than she can afford to buy. She knows she's flushing money, but it means more to her to have the flashy things in life. As for me, I'll drive my 21 year old truck and buy dirt. That is not rolling off the assembly line everyday.

Both my Jeep and truck are 21 yrs and still take me everywhere I need to be.

 

[too larry]

. . . . . . . . . . .Take all the equity out as cash and pay a normal mortgage. Use all those money's you got from the bank at a fake cheap rate to make moneys to make the payments. Doing it the other way and letting the bank hold the money and earn the money the money makes is fiscally retarded.

I've been doing it wrong all my life. I pay for my cars when I buy them. And then I just use them until they are used up.

I pay for my houses too, but hopefully they don;t get used up.

 

[too larry]

No. It's literally the way to be trapped in the rat race while smarter people have plenty of money to do as they please without having the slave away everyday.. . . . . . . . . . .. . . . . . . If you feel smart paying shit off and going to work everyday like a good little wage slave you have right fucking at it.

That is not the way slavery works. What you are describing is employment. A trade both parties have agreed to.

And smartness is not determined by the amount of money you have. I'm living proof of that. I'm not that smart. Would a smart fellow be able go out and buy a house without transferring money from savings? I didn't think so.

 

[too larry]

. . . . . . . . .. Would a smart fellow be able go out and buy a house without transferring money from savings? I didn't think so.

In my defense, I would like to point out we did have a hurricane 14 months ago, and we have yet to replace all the barns and such. And I still might buy a tractor. But still. It's bad. I used to give Mamma so much hell about letting her checking get out of control. But I see now how it happens.

 

[Lucky Luke]

thaks for proving my point. financing money is not how you do it. owning things outright is the way to go.

Depends on the tax breaks. For eg Negative gearing can be beneficial depending on the income bracket.

 

[DonnyTinyHands]

That is not the way slavery works. What you are describing is employment. A trade both parties have agreed to.

That's the smartest part of the scam they running. They have you all sold that that's what it is, and that money is the same as it was generations ago. But it's not... When you live in a society that tells you you'll work if you want food and a warm place to sleep, that's slavery, they just being assholes about it. Unhappy slaves are welcome to stave and freeze I guess. And they indoctrinate (teach if you perfer being a content slave) you about the joys of capitalism in school so you think that's good and fair.

But they broke the money so bad so long ago that its absolutely not. It can only be actually described at this point as fake, a scam, a bullshit token on a computer, there are infinity of them fake ass tokens in the system now. You can take advantage of that or you can live with being take advantage of.

 

[too larry]

. . . . . . ... When you live in a society that tells you you'll work if you want food and a warm place to sleep, that's slavery. . . . . . . . . .

No my unhappy friend, that is life.

Slavery is when you are locked in at night and don't have the option to leave. There is still enough of it going around the world that there is no need to cheapen it with your hyperbole.

 

[neosapien]

Stupidest old man advice that is still super common. In 2019 this is financial retardation. Work like a fool if you want. But I'll stick with having the banks money working for me while I stay home and smoke my flowers.

I retired at 30 bro.. you do you...

No supermodel. No paradise location. But haven't worked in 8 years. Retired at 30. Zero fucks given if you don't believe.

This all has a very "I beat my women cuz they needa learn I'm a man" vibe.

 

[tyler.durden]

This all has a very "I beat my women cuz they needa learn I'm a man" vibe.

Tiny hand? Is that for Tiny Penis???

 

[neosapien]

And when the sunroof actuator part breaks, it's a $1200 gig. Or just $200 to make it flip up an inch for ventilation.

Just remember this, no matter what you buy, Murphy's law always applies.

View attachment 4439621

As I sit here trying to warm up my frozen door handle so the door will close.

Recalled twice already, has to go in for a third time for 5 to 6 hours again. Door will open but won't close until it's fucking thawed. Takes 15 minutes to thaw, have to run engine, direct the hot air vent towards door.

My old F-150 which I had for over 10 years never froze one time. This one freezes every time it gets into the lower 20's. I've already lost 14 hours of my life waiting on it at the dealer. That includes 2 hours to fix the paint chip and scratches they put on the door the first time they took it apart.

PS, I bought it off an old school buddy who is a salesman there, asked for him specifically. So that's not an asset except for shooting the breeze about the old days while you're signing papers.

Hopefully the third time is a charm and the meathead who works on it doesn't scratch it up this time. I'm tempted to surround the door handles with blue painter's tape.

Always something, count on it.

That has never happened to my 2016.
Until this morning at 730am, when I went to take the kid to the bus stop. Motherfucker was that fucking annoying.

 

[neosapien]

Also we did buy this today.

 

[too larry]

That has never happened to my 2016.
Until this morning at 730am, when I went to take the kid to the bus stop. Motherfucker was that fucking annoying.

I'm glad I wasn't the one who mentioned it.

 

[too larry]

Very nice.

 

[srh88]

Also we did buy this today.

View attachment 4440433

If you're on reddit follow battle wagons. Tons of awesome subarus on there.