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re: I have never had a car payment; have you?
Posted on 10/7/18 at 6:48 pm to Phil A Sheo
Posted on 10/7/18 at 6:48 pm to Phil A Sheo
quote:
Taking you tax refund to Billy Bob's used cars and palm reading is nothing to be proud of.
Haha
I guess you think you're funny?
Ask any millionaire if they've ever had a car note? Or borrowed money to build wealth.
8
Posted on 10/7/18 at 6:49 pm to heypaul
You couldn’t negotiate a rate lower then what you could make in the market with that money over time when interest rates were the lowest they have been in history????? Way to piss away free cash in a competitive car market.
ETA: how do you feel about anything you’ve ever bought that will have almost zero resale value? Did you get that value out of your couch, or TV, or clothes, other kids toys?? You make me money by being an idiot, so thank you!
You realize after you have negotiated the final price on anything, they want to offer you terms because the idiots out there can’t pay on time, is done for a reason, right? Use their money for your benefit. Same as taxes. I love when people are like “using our tax return to go on vacation.” Pay less taxes during the year, invest that money, and returns could pay for that trip
ETA: how do you feel about anything you’ve ever bought that will have almost zero resale value? Did you get that value out of your couch, or TV, or clothes, other kids toys?? You make me money by being an idiot, so thank you!
You realize after you have negotiated the final price on anything, they want to offer you terms because the idiots out there can’t pay on time, is done for a reason, right? Use their money for your benefit. Same as taxes. I love when people are like “using our tax return to go on vacation.” Pay less taxes during the year, invest that money, and returns could pay for that trip
This post was edited on 10/7/18 at 6:56 pm
Posted on 10/7/18 at 6:50 pm to heypaul
Yes. Shitty brag attempt you frick
Posted on 10/7/18 at 6:52 pm to heypaul
A
And you'll find tons that have. The question isn't about buying out of your means. Financing a huge note due to not being able to truly afford and not being able to pay off is way different than financing due to low interest rate.
quote:
Ask any millionaire if they've ever had a car note? Or borrowed money to build wealth.
And you'll find tons that have. The question isn't about buying out of your means. Financing a huge note due to not being able to truly afford and not being able to pay off is way different than financing due to low interest rate.
Posted on 10/7/18 at 6:55 pm to IT_Dawg
quote:
Way to piss away free cash in a competitive car market.
Pssst:
Your new vehicle depreciated the second you drove it off the lot.
I choose to pay cash for the vehicles I drive.
Posted on 10/7/18 at 6:55 pm to heypaul
I know lots of millionaires and they all finance vehicles
Posted on 10/7/18 at 6:57 pm to heypaul
quote:
Pssst: Your new vehicle depreciated the second you drove it off the lot.
Do you think paying cash prevents that?
Posted on 10/7/18 at 6:58 pm to DownshiftAndFloorIt
quote:
Yes. Shitty brag attempt you frick
It's not a brag
It's a very reasonable post.
When you get tired of living paycheck to paycheck and being broke, come find me.
Posted on 10/7/18 at 6:58 pm to heypaul
quote:
Haha
I guess you think you're funny?
Well considering I've got way more upvotes than down.. I'd say that's confirmation enough..
quote:
Ask any millionaire if they've ever had a car note? Or borrowed money to build wealth.
Wanna know how I know you have zero clue as to what you're talking about..
This post was edited on 10/7/18 at 6:59 pm
Posted on 10/7/18 at 7:00 pm to yellowfin
quote:
Do you think paying cash prevents that?
No not at all.
I am not unrealistic I drive a 6 year old vehicle, my wife drives a four-year-old vehicle, my daughter drives a four-year-old vehicle all pay with cash and all will last a very long time. In the meantime we are stockpiling cash for our next vehicles.
Posted on 10/7/18 at 7:01 pm to heypaul
Luckily, I have never financed anything but a house. I generally drive my vehicles for a hell of a long time and can save up the cash before it is time for a new one.
Posted on 10/7/18 at 7:01 pm to Phil A Sheo
quote:
Wanna know how I know you have zero clue as to what you're talking about..
I see you're normal..
Carry on
Posted on 10/7/18 at 7:02 pm to heypaul
Where are you holding all that cash until you need it?
Posted on 10/7/18 at 7:02 pm to heypaul
I have a car payment - 0.9% interest - it would have been stupid not to finance.
Posted on 10/7/18 at 7:03 pm to Spankum
quote:
Luckily, I have never financed anything but a house. I generally drive my vehicles for a hell of a long time and can save up the cash before it is time for a new one.
#metoo
Posted on 10/7/18 at 7:03 pm to heypaul
No, but I have also never purchased a vehicle. When the time comes for a new vehicle, I am sure I will carry a note.
Posted on 10/7/18 at 7:05 pm to yellowfin
quote:
Where are you holding all that cash until you need it?
Checking
Savings
Mutual
Roth
Sock drawer
Grand mothers gun cabinet
Posted on 10/7/18 at 7:06 pm to heypaul
quote:
Or borrowed money to build wealth.
Any self made millionaire or an active entrepreneur millionaire?
You are probably looking at more than 90% yes.
In fact, Warren Buffet’s growth strategy was centered on it.
Posted on 10/7/18 at 7:06 pm to PhiTiger1764
quote:
but I have also never purchased a vehicle. When the time comes for a new vehicle, I am sure I will carry a note.
Why?
Posted on 10/7/18 at 7:09 pm to heypaul
K
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