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Started By
Message
re: How much is your truck note?
Posted on 9/9/17 at 7:09 am to goldennugget
Posted on 9/9/17 at 7:09 am to goldennugget
Idiot
0
Posted on 9/9/17 at 7:39 am to dragginass
Sure, it fluctuates, but on average since 1989, I've made 12%.
Posted on 9/9/17 at 9:20 am to cubsfinger
Depends on a lot of factors.. total price, interest rate, down payment, total years of loan etc.
We paid around 450$ a month for our last Tundra. If you have a general idea of your credit score you can basically set your monthly note by calculating in all of the above. Good luck!
We paid around 450$ a month for our last Tundra. If you have a general idea of your credit score you can basically set your monthly note by calculating in all of the above. Good luck!
Posted on 9/9/17 at 9:23 am to cubsfinger
0.00
I drive a 1995 chevy z71 and I don't give a shite what anybody thanks. This is my third one and when this one lets go......I'm gonna buy another one
And by the way I could buy a new one today and it would still be 0.00
I drive a 1995 chevy z71 and I don't give a shite what anybody thanks. This is my third one and when this one lets go......I'm gonna buy another one
And by the way I could buy a new one today and it would still be 0.00
This post was edited on 9/9/17 at 9:25 am
Posted on 9/9/17 at 9:46 am to Jimbo21165
quote:
Sure, it fluctuates, but on average since 1989, I've made 12%.
So then why only 7% in your IRA? Look, it's a silly argument, but if your vehicle affects your retirement accounts youre doing something wrong. I think most people advocating the "borrow and invest" method are talking about non tax-advantaged accounts,having assumed the others are fully funded.
At any rate, carry on as you wish. The people who advocate taking the loans are rarely the ones with the cash in my experience.
Posted on 9/9/17 at 9:51 am to cubsfinger
Note is 480
I pay 500
Doesnt do much but I have been paying for 4 years and it will be paid off in 3 months.
Cant freaking wait to send in that final payment
I pay 500
Doesnt do much but I have been paying for 4 years and it will be paid off in 3 months.
Cant freaking wait to send in that final payment
Posted on 9/9/17 at 10:09 am to dragginass
Because I'm maxed out with the amount I put in those.
My system works for me. I'm not gonna pay cash for a $50k work truck.
You do what works for you.
Peace and beers....
My system works for me. I'm not gonna pay cash for a $50k work truck.
You do what works for you.
Peace and beers....
Posted on 9/9/17 at 10:10 am to Jimbo21165
My note is low... I pay extra though at $300 a month. 2014 F150 that I've had about a year
Posted on 9/9/17 at 10:22 am to Glock17
Owe $0
got 3 cars and house owe nothing
got 3 cars and house owe nothing
Posted on 9/9/17 at 10:22 am to tduecen
quote:
I've used a truck 5 times in 3 years and it was either to move, move furniture, or haul another large item. Much easier to borrow than to spend the money on something that rarely gets used.
And if you can't borrow you can easily rent a truck from Lowes and Home Depot for a couple hours.
But who cares what you drive, drive what you like.
Just don't buy a 4x4 vehicle and get it lifted, put big wheels on it, and all kinds of off expensive off road stuff to make it look cool with no intention of ever going off road. Then that makes you look like a douche.
Posted on 9/9/17 at 10:22 am to cubsfinger
dont finance. if you can't pay 20k or less for a truck then ya definitely don't need to finance anything.
Posted on 9/9/17 at 10:24 am to goldennugget
$0. Paid for. F150 60 yr series
Posted on 9/9/17 at 11:48 am to RightHook
There's nothing wrong with financing if you're getting a low interest rate.
Posted on 9/9/17 at 11:52 am to Jimbo21165
if you lose your income for whatever reason, you still have to make that car payment. and you would take a 40% penalty on 401K if you had to draw early from it. I know mathematically 40 years from now you could have a bigger pile of $, but I am willing to make that sacrifice - instead of dying with $5MM I will die with $4MM, either way I won't spend all of it. while I am alive I have less to worry about.
P.S. You only get 7% on your Roth? you need to change financial advisors. I make more than that picking my own stocks.
P.S. You only get 7% on your Roth? you need to change financial advisors. I make more than that picking my own stocks.
Posted on 9/9/17 at 11:52 am to Jimbo21165
if you lose your income for whatever reason, you still have to make that car payment. and you would take a 40% penalty on 401K if you had to draw early from it. I know mathematically 40 years from now you could have a bigger pile of $, but I am willing to make that sacrifice - instead of dying with $5MM I will die with $4MM, either way I won't spend all of it. while I am alive I have less to worry about.
P.S. You only get 7% on your Roth? you need to change financial advisors. I make more than that picking my own stocks.
P.S. You only get 7% on your Roth? you need to change financial advisors. I make more than that picking my own stocks.
Posted on 9/9/17 at 11:52 am to RLDSC FAN
just looking at the broad picture is all.
if you can afford to pay cash for a truck, but still get a low interest rate then nothing wrong with that. if it's what someone wants to do.
if you can afford to pay cash for a truck, but still get a low interest rate then nothing wrong with that. if it's what someone wants to do.
Posted on 9/9/17 at 11:55 am to RightHook
quote:That's neither practical nor is it even the best financial option to spend that much money st one time with low interest rates.
if you can't pay 20k or less for a truck then ya definitely don't need to finance anything.
So if anybody shouldn't be financing anything, it's someone using this asinine logic.
Posted on 9/9/17 at 12:18 pm to buckeye_vol
if you have to clean out your bank account to pay cash, then of course financing would be better. IF you absolutely NEED another vehicle.
good grief.
Posted on 9/9/17 at 12:23 pm to cubsfinger
Mine is paid off, but it was roughly $250/month. I paid it off in four years. Still only has 80,000 miles. I plan to ride it over 100,000. By then I should have a good savings so I can put down a good down payment on my next vehicle.
Posted on 9/9/17 at 12:36 pm to johnnyrocket
quote:
I end up selling them in two years.
You ready to sell any yet?
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