I am going to blow up every fucking bank in North America.

[dorian gray]

I missed that part where he applied for a loan through the dealer
Good times

House always wins

 

[Krilons Resa]

Not sure if he did or not but if he didn't, they wouldnt budge as much on the "sticker price."

Best bet is to go through the dealership then refinance through a credit union.

 

[Krilons Resa]

Fuck a car payment though. Right Doomcifer?

 

[MFJ]

Amen brother. Wtf do i know about loans? I'm a privileged 25 year old

 

[NAD]

Fuck a car payment though. Right Doomcifer?

actually all this rigmarole is probably preferable to just handing out loans left and right to people who can't pay them off

lolz

I play by the stupid rules set forth in the made up economy and have always had a stupid high credit score, so when I do have to take a loan out (car, house, medical, bigass TV, etc.) I don't get royally screwed in the process. My current car loan is 1.99% and whenever I have credit card debt I bounce between various 0% offers until it gets paid off.

Of course the rub is that Modern Life® is nigh impossible to exist without debt, but then socially we're all told how bad it is to have that debt to begin with. Lose lose! Not that any of that really matters, because none of this is real anyhow.

Oh, and I paid off my credit card balance today, successfully avoiding that monkey once again. I'm a responsible member of the e'er dwindling middle class!

 

[einride]

Of course the rub is that Modern Life® is nigh impossible to exist without debt*

* in the united states of america**

** if you absolutely must drive a 2014 model automobile and have a 52" television etc

i am more or less 30 years old and i still don't get why people do this shit to themselves

i intend to pay off my house and then never borrow a fuckin cent from anyone ever again

fuck debt, no one needs to be in debt

 

[NAD]

Obviously America has a pretty terrible credit card habit, but until your house is paid off, you're still in debt.

I don't see that as a bad thing, unless you're rich nobody pays cash for a house or new cars (except Dorian and his fleet). Hell, my parents are the most financially responsible folk I've ever known, their "new" car is a 1992 Suzuki Sidekick which they bought a few years ago. And even they have a mortgage. $500 a month for two houses FTW!

I owe a sizable chunk for my Jeep. I could have paid cash for it, but a monthly payment is a lot easier to deal with than draining my bank account. Don't get me wrong, I hate debt as well, but I accept that it's just how shit works. Well, unless I'm feeling cranky and bitter of course. Then I just want to chuck it all and move to them thar hills...

 

[Krilons Resa]

* in the united states of america**

** if you absolutely must drive a 2014 model automobile and have a 52" television etc

i am more or less 30 years old and i still don't get why people do this shit to themselves

i intend to pay off my house and then never borrow a fuckin cent from anyone ever again

fuck debt, no one needs to be in debt

*like*

 

[einride]

Obviously America has a pretty terrible credit card habit, but until your house is paid off, you're still in debt.

yeah

but you don't NEED a house to live Modern Life®

i personally decided that buying a house is better for me than renting an apartment in all sorts of ways (including financially) -- also my house was about $89000 in americash so it's not beyond the realms of possibility to pay it off in the semi-foreseeable future, which is a lot more than can be said for a lot of home mortgages -- but that's all beside the point

the point being that it's easy as hell for anyone with normal-ass employment to live an entire life without ever going into debt, and quite comfortably, too

and i think that should be the default mode of thought -- just don't spend money you don't have. don't do it. it is voluntary enslavement

 

[NAD]

True, and I agree with you. Don't Buy Shit You Can't Afford. I lived completely debt free for one year. It was awesome! And brief.

 

[dorian gray]

Revolving 0% interest credit cards ftw

 

[dorian gray]

$89000 here in Ameriland doesn't buy much. In a city, it would he a run down house in a highly questionable neighborhood. In a small, dying Midwestern town it would buy you a quite a nice little house in a quiet neighborhood......but you'd still be living in a small, dying Midwestern town.

 

[dorian gray]

I don't know anyone who makes a 52" tv but I was looking at 51" and 60" tvs at Costco the other day

 

[dorian gray]

I've been tempted recently to tally up everything I want just to see how much it would all cost me but I always get scared at the potential number of digits
I'm going to write a letter to Santa Claus instead
Does he make musical instruments?

 

[NAD]

My parents paid $91,000 for their small house in an okay neighborhood with a big yard........................in 1987.

My bigass TV is 42" which I paid $700 cash for 4 years ago, and remains my most intelligent investment to date.

 

[dorian gray]

at 1987

 

[neal]

my parents bought their house for like $50,000 in about 1980 in the biggest city in what has become a generally yuppieish type area in norcal's wine country. Santa Rosa constantly makes it high on those 'best places to live' lists that real estate type magazines always put out. i definitely miss the area, but it definitely costs more to live there these days.

 

[dorian gray]

In 2004, I bought a brand new 1000 sf house in a rundown area of nashville. We were pretty much the very first wave of gentrification so you can imagine what the rest of the hood was like. A house across the street from me was a crack den. Anyway - $185,000.

In 2008, we bought a non-updated 1963 ranch for $250,000.

And I consider each of those prices to be cheap. I have no idea what $90,000 would buy here. I wonder if it's even possible.

 

[Vittra]

home pricing here is too depressing to talk about

 

[dorian gray]

Discuss