1st Gen Lunchtable Thread - General Discussion

Nissan Armada enters chat

 

Now that the weather has warmed up I've quickly found out how awful a black on black interior is. I'm an idiot.
Even with AC my back sweats through a shirt lol.

 

More like *any vehicle with remaining warranty*

He needs reassurance

 

All jokes aside, I really can’t afford to finance anything. It’d kill whatever hope there is for my financial future. I don’t mind feeding a shitbox oil and fluid if it frees up that $1000/month payment on a TRD Pro.

 

You only pay that much if you go shorter term financing, which really is the only financially responsible way to do it. APR being 0% or 0.9% would be the reason for it.

 

Yea I’d only go 3 years max if I was gonna finance something. I also don’t think I even have a valid credit score since I’ve never used a credit card or anything.

 

Oh shit, dude your credit should start as soon as possible (like 18).

 

84 months or bust

 

Certain credit unions allowed up to 96 if above a specific loan amount.

I've only sent a handful of deals in that way for funding.

 

Maybe for yachts

 

I’ve always been afraid I’d spend more than I have and get into debt. That’s a hard hole to get out of.

 

It's kind of wild to think that the whole idea behind personal credit scores only started in 1989

 

What? No.

I was a finance director and general sales manager for a large automotive group for 11 years.

Ran the dealership with the exception of the parts and service department.

Overseeing between 1-2million dollars in contracts in transit per 10 days.

You'll understand now why I'll suggest the things I do; if you're inexperienced, I'll only provide solid advice. But it takes discipline to follow it.

 

@Abeyancer

How it looks



How it feels

 

I guess before then cars and houses were cheap enough people could just buy them in cash?

 

Before then you just wandered into an open area and staked your claim and built your house out of stacked logs, then defended it night and day against land poachers

 

People still do that.

 

Yea when they’re moving from California

 

You forgot the marking your territory part.

 

You've never even been to CA

And nope, plenty of people here buy up cars and houses in cash. Just be smart with your money.

It costs more to live here, but you also make more here as well.