What do you think is better? A, B or C How smart is GFY

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  • KMR Stitch
    I am cool
    • Jul 2003
    • 14494
    #1

    What do you think is better? A, B or C How smart is GFY

    A) You have 12,500 in your savings account Do you buy a car out right?

    B) You have 12,500 in your savings do you finance the car?

    C) You stick with your car you have and every 2 months you have to put 200.00 into it to keep it alive.

    You want to buy a car for 10,000.00

    Senerio; The car you have is 93 200k miles about to DIE.

    Your source of income could stop at any moment. You have no Other expensves and you have yet to Pay the IRS for total income earned. (you owe them 30%)

    Lets see how smart GFY people are
    Tags: None
    • Kard63
      Confirmed User
      • Nov 2003
      • 8944
      #2
      B

        Comment

        • Illicit
          wtf ?
          • Dec 2003
          • 11895
          #3
          B. Finance the Car
          Insert Sig Here

            Comment

            • DreamCumTrue
              Confirmed User
              • Nov 2003
              • 2985
              #4
              finance

                Comment

                • NickPapageorgio
                  Confirmed User
                  • Apr 2004
                  • 8323
                  #5
                  C.

                    Comment

                    • fiftyfingers
                      Confirmed User
                      • Apr 2004
                      • 582
                      #6
                      C which results in only $100/mo
                      SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, you may use a 624x80 instead of a 120x60. Let me repeat... A 120 x 60 button and no more that 3 lines of DEFAULT SIZE AND COLOR text.

                        Comment

                        • freeadultcontent
                          Confirmed User
                          • Oct 2002
                          • 9976
                          #7
                          Drive till it dies, sell to salvage yard, buy another piece of shit in the 500 range and drive it into the ground.

                          I do not want to buy a 10k car.

                          Exclusive Ethnic & Microniche Sites

                            Comment

                            • bdld
                              $100,000
                              • Dec 2001
                              • 11452
                              #8
                              A

                                Comment

                                • baycouples
                                  Confirmed User
                                  • Mar 2004
                                  • 1341
                                  #9
                                  B, but buy a $6K car and not $12K car.

                                    Comment

                                    • KMR Stitch
                                      I am cool
                                      • Jul 2003
                                      • 14494
                                      #10
                                      wow a lot of people say Finance even though your funds can stop at any moment?

                                        Comment

                                        • Kard63
                                          Confirmed User
                                          • Nov 2003
                                          • 8944
                                          #11
                                          Originally posted by freeadultcontent
                                          Drive till it dies, sell to salvage yard, buy another piece of shit in the 500 range and drive it into the ground.

                                          I do not want to buy a 10k car.
                                          He wants you to say B, whats he gotta do put tax implications in bold?

                                            Comment

                                            • NickPapageorgio
                                              Confirmed User
                                              • Apr 2004
                                              • 8323
                                              #12
                                              Originally posted by KMR Stitch
                                              wow a lot of people say Finance even though your funds can stop at any moment?
                                              Never....

                                              Ever....

                                              Finance....

                                              If you can't afford it outright you don't need it to begin with.

                                                Comment

                                                • Titty Fucker
                                                  Confirmed User
                                                  • Dec 2003
                                                  • 589
                                                  #13
                                                  A

                                                    Comment

                                                    • WiredGuy
                                                      Pounding Googlebot
                                                      • Aug 2002
                                                      • 34515
                                                      #14
                                                      I'm an A type person. I don't like the idea of loans or finances. This is a personal issue, a lot of times B is better.

                                                      WG
                                                      I play with Google.

                                                        Comment

                                                        • AWW - Kevin
                                                          Confirmed User
                                                          • Jan 2002
                                                          • 2353
                                                          #15
                                                          D: shoot muyself for not having a better car or more $$$ in the bank


                                                          (buy it outright)


                                                          Add Your Resource
                                                          ICQ: 1212-58311

                                                            Comment

                                                            • Babel
                                                              Confirmed User
                                                              • Apr 2004
                                                              • 1457
                                                              #16
                                                              what is the interest rate for financing?

                                                              Right now in canada you can get some good deals like 0% and no downpayment on 4 year financing from the car dealers

                                                                Comment

                                                                • KMR Stitch
                                                                  I am cool
                                                                  • Jul 2003
                                                                  • 14494
                                                                  #17
                                                                  Originally posted by Babel
                                                                  what is the interest rate for financing?

                                                                  Right now in canada you can get some good deals like 0% and no downpayment on 4 year financing from the car dealers
                                                                  lol 0% What a crock of shit. Bill Gates himself Couldn't Qualify Thats just to get you in the show room floor ;-)

                                                                    Comment

                                                                    • reynold
                                                                      Too lazy to set a custom title
                                                                      • Oct 2002
                                                                      • 51271
                                                                      #18
                                                                      C for me

                                                                        Comment

                                                                        • NickPapageorgio
                                                                          Confirmed User
                                                                          • Apr 2004
                                                                          • 8323
                                                                          #19
                                                                          There was a farmer had a dog and bingo was his name-O...

                                                                          B-I-NGO
                                                                          B-I-NGO...

                                                                            Comment

                                                                            • {fusion}
                                                                              Confirmed User
                                                                              • Sep 2003
                                                                              • 1650
                                                                              #20
                                                                              You pay the IRS first, dont even think about a car first, so C until you can afford A.

                                                                                Comment

                                                                                • Babel
                                                                                  Confirmed User
                                                                                  • Apr 2004
                                                                                  • 1457
                                                                                  #21
                                                                                  Originally posted by KMR Stitch
                                                                                  lol 0% What a crock of shit. Bill Gates himself Couldn't Qualify Thats just to get you in the show room floor ;-)
                                                                                  MY sister bought a ford taurus at Zero %, No Downpayment, 4 year term.

                                                                                    Comment

                                                                                    • Amp
                                                                                      So Fucking Banned
                                                                                      • Nov 2001
                                                                                      • 1661
                                                                                      #22
                                                                                      D. carjack some poor bastard out on the street.

                                                                                        Comment

                                                                                        • NickPapageorgio
                                                                                          Confirmed User
                                                                                          • Apr 2004
                                                                                          • 8323
                                                                                          #23
                                                                                          Originally posted by Babel
                                                                                          MY sister bought a ford taurus at Zero %, No Downpayment, 4 year term.
                                                                                          0% for the entire term? Hard to buy that ... she has golden credit is all one can say if that is the case.

                                                                                            Comment

                                                                                            • KMR Stitch
                                                                                              I am cool
                                                                                              • Jul 2003
                                                                                              • 14494
                                                                                              #24
                                                                                              Originally posted by Babel
                                                                                              MY sister bought a ford taurus at Zero %, No Downpayment, 4 year term.
                                                                                              I would have to see it to belive! She must have perfect credit. like a 960 or something lol.

                                                                                                Comment

                                                                                                • Babel
                                                                                                  Confirmed User
                                                                                                  • Apr 2004
                                                                                                  • 1457
                                                                                                  #25
                                                                                                  they are offering same shit too for Hunday accent , or 149$ CAN a month all included lease.

                                                                                                  albeith, there are small folks cars, like you inr example

                                                                                                    Comment

                                                                                                    • Babel
                                                                                                      Confirmed User
                                                                                                      • Apr 2004
                                                                                                      • 1457
                                                                                                      #26
                                                                                                      Originally posted by NickPapageorgio
                                                                                                      0% for the entire term? Hard to buy that ... she has golden credit is all one can say if that is the case.
                                                                                                      She study psychology in University, anybody can get that in MTL, they are desprate to sell cars here ...

                                                                                                      Shit, I got coupons to buy cars at a used dealer that offer me 1000$ off mark price if i buy before may 31, they spam us in the mail like mad.

                                                                                                        Comment

                                                                                                        • KMR Stitch
                                                                                                          I am cool
                                                                                                          • Jul 2003
                                                                                                          • 14494
                                                                                                          #27
                                                                                                          Originally posted by Babel
                                                                                                          She study psychology in University, anybody can get that in MTL, they are desprate to sell cars here ...

                                                                                                          Shit, I got coupons to buy cars at a used dealer that offer me 1000$ off mark price if i buy before may 31, they spam us in the mail like mad.
                                                                                                          Those coupons is just a way to get you in the front door.

                                                                                                          Think about it whats cheaper

                                                                                                          10,000.00 + 2500 cash back Finance

                                                                                                          for buying a car for 11,000.00 out right

                                                                                                          ------------------------------------------------------------
                                                                                                          The 11k is cheaper

                                                                                                          with the 2500 cash back you have to Finance 12,500.00

                                                                                                            Comment

                                                                                                            • Holly
                                                                                                              Too lazy to set a custom title
                                                                                                              • Jun 2003
                                                                                                              • 10017
                                                                                                              #28
                                                                                                              D. Spend it all on hookers, meth, and coke. You won't care about any of the rest.


                                                                                                              Don't buy a 10k car. If 100 a month will keep yours going, do that until you've saved a little more, then buy a reliable car for a few thousand. Or if you just *have* to get one now, buy the cheapest, used car in good condition you can find. Even if it looks like total shit. BTW, there's no possible way you cannot have any expenses. You have a son.
                                                                                                              War National Damn Champions Eagle

                                                                                                                Comment

                                                                                                                • Babel
                                                                                                                  Confirmed User
                                                                                                                  • Apr 2004
                                                                                                                  • 1457
                                                                                                                  #29
                                                                                                                  lets speculate intereste rates on financing are less then inflation, do you finance?

                                                                                                                    Comment

                                                                                                                    • BV
                                                                                                                      wtf
                                                                                                                      • Sep 2001
                                                                                                                      • 10914
                                                                                                                      #30
                                                                                                                      Assuming you had good credit you should finance a new cheap car at 0%.

                                                                                                                        Comment

                                                                                                                        • KCat
                                                                                                                          Confirmed User
                                                                                                                          • Sep 2002
                                                                                                                          • 2204
                                                                                                                          #31
                                                                                                                          My mom & dad both have 0% financing. Obviously both have perfect credit though.

                                                                                                                          I've always been in the "no debt EVER!" camp, but after running my own business for a few years, it makes more sense to invest in my business rather than pay the whole amount up front.

                                                                                                                          If a $12K investment in traffic, content, designers or whatever would double your monthly income (let's say $5K up to $10K/month), then it wouldn't take long to get your money back out & make a lump sum payment on the loan.


                                                                                                                          ~ 300+ FHGs, 100,000 pics to use plus a rockin' Video of the Day download! ~

                                                                                                                            Comment

                                                                                                                            • Amp
                                                                                                                              So Fucking Banned
                                                                                                                              • Nov 2001
                                                                                                                              • 1661
                                                                                                                              #32
                                                                                                                              E. Pull some equity out of your house and go pay cash for a new car.

                                                                                                                                Comment

                                                                                                                                • Babel
                                                                                                                                  Confirmed User
                                                                                                                                  • Apr 2004
                                                                                                                                  • 1457
                                                                                                                                  #33
                                                                                                                                  see, let say you buy a 19200$ car on 4 years at 0%, you save 1490.53 on that deal if inflation is 2%

                                                                                                                                    Comment

                                                                                                                                    • EviLGuY
                                                                                                                                      So Fucking Banned
                                                                                                                                      • Apr 2003
                                                                                                                                      • 12745
                                                                                                                                      #34
                                                                                                                                      I'd buy it flat out most likely.. or resolve to take the bus.

                                                                                                                                        Comment

                                                                                                                                        • count blingula
                                                                                                                                          Confirmed User
                                                                                                                                          • Oct 2003
                                                                                                                                          • 961
                                                                                                                                          #35
                                                                                                                                          steal the fuckin car at gun point! act like a billionare for a month!

                                                                                                                                          shoot your self in the head before your arrest!
                                                                                                                                          if you arent promoting http://www.10dollarcash.com you are a fuckin moron

                                                                                                                                            Comment

                                                                                                                                            • Lykos
                                                                                                                                              Too lazy to set a custom title
                                                                                                                                              • Apr 2003
                                                                                                                                              • 31027
                                                                                                                                              #36
                                                                                                                                              Hmmm...let me think....let's say B

                                                                                                                                                Comment

                                                                                                                                                • Tala
                                                                                                                                                  Fucked if I know
                                                                                                                                                  • Dec 2002
                                                                                                                                                  • 23368
                                                                                                                                                  #37
                                                                                                                                                  C until you can afford A

                                                                                                                                                  Leave that money in the bank. A safety net that can be added on to each month is well worth the effort.

                                                                                                                                                  or

                                                                                                                                                  D: sell current car, use money from sale along with perhaps a couple of grand, (LEAVE at LEAST 10k in the bank!), to purchase another vehicle that you don't have to continually put $200/mo into to keep running. And DON'T tell you can't do that: I paid $2500 for my Saturn and it runs like hell's coming after it. I LOVE my car.

                                                                                                                                                  ICQ: 11120676 | Google: mindcrime | Skype: suitemindcrime|E-Mail: mindcrime AT gmail.com|PR girl with great writing skills for hire!!!! Contact me to work for YOU!|TECHIEMEDIA? 24/7 support from some of the best techs in the biz. Tell Jim that I sent you.

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                                                                                                                                                    • Lonny
                                                                                                                                                      Confirmed User
                                                                                                                                                      • Jun 2003
                                                                                                                                                      • 3539
                                                                                                                                                      #38
                                                                                                                                                      how bout D keep the 12,500+ you have saved and take the the bus or train every were.

                                                                                                                                                        Comment

                                                                                                                                                        • NickPapageorgio
                                                                                                                                                          Confirmed User
                                                                                                                                                          • Apr 2004
                                                                                                                                                          • 8323
                                                                                                                                                          #39
                                                                                                                                                          what is the interest rate on the savings account?

                                                                                                                                                            Comment

                                                                                                                                                            • Holly
                                                                                                                                                              Too lazy to set a custom title
                                                                                                                                                              • Jun 2003
                                                                                                                                                              • 10017
                                                                                                                                                              #40
                                                                                                                                                              Originally posted by Amp
                                                                                                                                                              E. Pull some equity out of your house and go pay cash for a new car.
                                                                                                                                                              If he has no other expenses, there's no possible way he can own a house. Isn't he still in college? Like, 19 or 20?

                                                                                                                                                              If he only has $12,500, owes the gov at least 30% of last year's earnings, his only source of income could stop at any minute, and has a small child, he shouldn't be out car shopping. Period. He should drive the one he's got until it won't move and then buy the cheapest shit he can find that's in good running condition. There's a lot of other stuff he needs that money for. A car shouldn't be taking up 80% of it.
                                                                                                                                                              War National Damn Champions Eagle

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                                                                                                                                                                • Illicit
                                                                                                                                                                  wtf ?
                                                                                                                                                                  • Dec 2003
                                                                                                                                                                  • 11895
                                                                                                                                                                  #41
                                                                                                                                                                  Originally posted by NickPapageorgio
                                                                                                                                                                  Never....

                                                                                                                                                                  Ever....

                                                                                                                                                                  Finance....

                                                                                                                                                                  If you can't afford it outright you don't need it to begin with.

                                                                                                                                                                  what about 0% financing ? I like spending other peoples money even if I have it in the bank
                                                                                                                                                                  Insert Sig Here

                                                                                                                                                                    Comment

                                                                                                                                                                    • blonde_8420001
                                                                                                                                                                      Confirmed User
                                                                                                                                                                      • Apr 2004
                                                                                                                                                                      • 104
                                                                                                                                                                      #42
                                                                                                                                                                      umm y not just buy something you can afford while still leaving some money in the bank
                                                                                                                                                                      "For some there's therapy, for the rest of us there are motorcycles"
                                                                                                                                                                      http://www.monikamaple.com

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                                                                                                                                                                        • merlin77
                                                                                                                                                                          Confirmed User
                                                                                                                                                                          • May 2004
                                                                                                                                                                          • 546
                                                                                                                                                                          #43
                                                                                                                                                                          A
                                                                                                                                                                          SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, then you may use a 624x80 instead of a 120x60.

                                                                                                                                                                            Comment

                                                                                                                                                                            • kemp
                                                                                                                                                                              Confirmed User
                                                                                                                                                                              • Feb 2001
                                                                                                                                                                              • 392
                                                                                                                                                                              #44
                                                                                                                                                                              F. Use the 12,500 as a down payment on a BMW Z8.

                                                                                                                                                                                Comment

                                                                                                                                                                                • NickPapageorgio
                                                                                                                                                                                  Confirmed User
                                                                                                                                                                                  • Apr 2004
                                                                                                                                                                                  • 8323
                                                                                                                                                                                  #45
                                                                                                                                                                                  Originally posted by ajpiii
                                                                                                                                                                                  what about 0% financing ? I like spending other peoples money even if I have it in the bank
                                                                                                                                                                                  Because then you become a slave to the finance company...you don't own your car...they own your car.

                                                                                                                                                                                  You are just paying to ride around in it...

                                                                                                                                                                                    Comment

                                                                                                                                                                                    • Holly
                                                                                                                                                                                      Too lazy to set a custom title
                                                                                                                                                                                      • Jun 2003
                                                                                                                                                                                      • 10017
                                                                                                                                                                                      #46
                                                                                                                                                                                      Originally posted by Babel
                                                                                                                                                                                      see, let say you buy a 19200$ car on 4 years at 0%, you save 1490.53 on that deal if inflation is 2%
                                                                                                                                                                                      Yeah, and while he's at it, he should be sure to get one of those "first time buyer" deals. That way, when something happens 6 months from now and he can't afford to keep it anymore, he won't be able to sell it, trade it in, or even get the dealer to take it back without coughing up a few thousand first. Besides, a repo doesn't really stay on your credit all that long.
                                                                                                                                                                                      War National Damn Champions Eagle

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                                                                                                                                                                                        • newsdude
                                                                                                                                                                                          Confirmed User
                                                                                                                                                                                          • Apr 2004
                                                                                                                                                                                          • 1969
                                                                                                                                                                                          #47
                                                                                                                                                                                          C.
                                                                                                                                                                                          SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, then you may use a 624x80 instead of a 120x60.

                                                                                                                                                                                            Comment

                                                                                                                                                                                            • Honeyslut
                                                                                                                                                                                              Confirmed User
                                                                                                                                                                                              • Jan 2001
                                                                                                                                                                                              • 6436
                                                                                                                                                                                              #48
                                                                                                                                                                                              D) save the 200 a month for 3 months and buy a cheap car and drive it a year or two
                                                                                                                                                                                              http://nakedlunchnews.comWhat's up ? Naked Lunch News !

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                                                                                                                                                                                                • zubr
                                                                                                                                                                                                  Confirmed User
                                                                                                                                                                                                  • Jan 2002
                                                                                                                                                                                                  • 1227
                                                                                                                                                                                                  #49
                                                                                                                                                                                                  For $12500 from your savings account you can definitely buy some quality soap and rope... you will never have to worry about your savings anymore, just make sure to ask the convenience store clerk if the rope you picked could handle your weight
                                                                                                                                                                                                  Alex - ICQ:61889253 - MSN:zubr_zubr at hotmail.com - Skype:zubrzubr

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                                                                                                                                                                                                    • Vitasoy
                                                                                                                                                                                                      GFY HALL OF FAME DAMMIT!!!
                                                                                                                                                                                                      • Oct 2003
                                                                                                                                                                                                      • 58202
                                                                                                                                                                                                      #50
                                                                                                                                                                                                      Go for broke and buy the car outright. A)


                                                                                                                                                                                                      [email protected]

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