Deleted

jmneill · Dec 7, 2019

computeruser6 said: ↑

Damn, I think that my credit card rate is better than that. .
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Paid 12.99% on my first new car back in the day.
The price you pay at the age of 21 for a new mustang GT with a credit score of 560.. lol

computeruser6 · Dec 7, 2019

jmneill said: ↑

Paid 12.99% on my first new car back in the day.
The price you pay at the age of 21 for a new mustang GT with a credit score of 560.. lol
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My first car was a used Hyundai. I'm fine with going slow...

Iwilltaco · Dec 7, 2019

This fizzled out, anyone got any equally useless threads I can check out?

T4RFTMFW · Dec 7, 2019

NahBehGoPa[OP] said: ↑

lol I knew I was gonna get flamed for it.
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.. because nobody asked, and you are under the impression you’ve done something amazing or worth attention which you haven’t.

In other news, I peed this morning and it came out clear and didn’t get on the floor. I’ll make a thread.

Iwilltaco · Dec 7, 2019

T4RFTMFW said: ↑

.. because nobody asked, and you are under the impression you’ve done something amazing or worth attention which you haven’t.

In other news, I peed this morning and it came out clear and didn’t get on the floor. I’ll make a thread.
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None got on the floor? Don’t lie to us buddy, let’s see that floor!

boynoyce · Dec 7, 2019

whatstcp said: ↑

because this is the internet. Literally everyone lies. You don't have to prove anything to anyone. But if you are going to try and prove then you really need to prove with what I posted and not just random scribblings.
So either prove it or just stop lol
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@OMGitsme

Good advice.

99% of the people on this thread really don't care about this.

The 1% that do care...well, that's their problem.

Just my $.02

computeruser6 · Dec 7, 2019

https://www.youtube.com/watch?v=s9mZArZVWmI

jmneill · Dec 7, 2019

computeruser6 said: ↑

My first car was a used Hyundai. I'm fine with going slow...
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I was a little ambitious in the pursuit of the opposite sex in the days of my youth. A used Hyundai in the mid 90's would have had the equivalent effect as hitting the club in a set of assless chaps.

Paul631 · Dec 7, 2019

Alden said: ↑

Scenario 1: You save up $40k beyond your emergency fund and pay cash for a new Taco. Over the next 5 years you max out your Roth IRA by contributing $500/month. Say your IRA averages 12% growth. After 5 years, your truck will be worth about $24k and you will have $42,700 in a Roth IRA that will continue to grow tax free. If you're 30 years old today and max out your Roth IRA using this method and rate of return, you would have $2.9M at the age of 65.

Scenario 2: You save up $40k and decide you want to buy a Tacoma. You put $10k down and finance the remaining $30k at 2.9%. Your Tacoma payment will be $538/month for 60 months, so now the average person won't have the funds to max out their Roth IRA. With the 2.9% loan, you've also paid $2,800 in interest. But great news, you still have $30k leftover to invest. You drop $30k on stocks/mutual funds/whatever that makes an average of 12% over the next 5 years, so you turned your $30k into $53k, but depending on your tax bracket you will be taxed approximately 35% on the $23k in earnings, so your investment is worth about $45k. After your truck is finally paid off, you then start investing $500/month into a Roth IRA at age 35. By age 65, the Roth IRA will be worth $1.6M (tax free).

For a 30yo who invested $30k, this nest egg would be worth about $1.6M at age 65. But you will be taxed on all of that growth, making the cash value worth about $1M. Adding to the $1.6M in this scenario's Roth IRA, their nest egg is worth about $2.6M.

Scenario 2 allows you to earn about $2k more over 5 years (age 30-35 in the above example).

Scenario 1 gives you $300k more at age 65.

*Obviously, there are many other scenarios and investment options, and these are rough estimates.
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Twitcher · Dec 7, 2019

jmneill said: ↑

I was a little ambitious in the pursuit of the opposite sex in the days of my youth. A used Hyundai in the mid 90's would have had the equivalent effect as hitting the club in a set of assless chaps.
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Assless chaps ? Brings up fond memories. But geese a wider back seat would have been better.

jmneill · Dec 7, 2019

Twitcher said: ↑

Assless chaps ? Brings up fond memories.
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lmao

shane100700 · Dec 7, 2019

OMGitsme said: ↑

They don't give paperwork. You get a thumb drive and I can't find it. I paid the truck off two months after that and really have no clue why anyone would think I would lie about what I paid. I have very little interest in what anyone paid.
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Yeah not true... there has to be a proof of purchase.

Itchyfeet · Dec 7, 2019

golfindia said: ↑

I bought my Pro with my jet blue card to get miles.
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Then used said miles to fly to a white trash paradise like Las Vegas or Orlando

KindaSortaGood · Dec 7, 2019

I tried reading this thread but it made my head hurt. I guess we're comparing dick sizes? Here's my babies. New AG Pro and my 15 M3 ‍.. Im 29 FWIW

Financed at 1.9%

The trick to having nice things is having money and or spending it wisely.

I got a 2014 Ducati 899 in the garage with 800 miles in it as well if anyone wants to buy it

AZF1504x4 · Dec 7, 2019

jmneill said: ↑

I was a little ambitious in the pursuit of the opposite sex in the days of my youth. A used Hyundai in the mid 90's would have had the equivalent effect as hitting the club in a set of assless chaps.
Click to expand...

I knew I recognized you from somewhere

Paul631 · Dec 7, 2019

Rock Lobster · Dec 7, 2019

shane100700 said: ↑

Yeah not true... there has to be a proof of purchase.

Click to expand...

Honestly I don't think I've even seen any kind of credit extension without physical paper. Hell, apply for something small like a Dick's online credit card, and the full terms and conditions will show up in your mailbox within a few days.

For large transactions, hell yeah give me that rediculously long yellow sheet of paper.

jmneill · Dec 7, 2019

AZF1504x4 said: ↑

I knew I recognized you from somewhere
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LMAO Rollin' in the 5.0...

Nope, I missed the fox body by a couple years, but I did have to look super close to make sure that wasn't me shopped net to one.

81Trekker · Dec 7, 2019

I don’t know what’s worse, the fact that you got suckered into buying a TRD Pro or this thread?

jmneill · Dec 7, 2019

shane100700 said: ↑

Yeah not true... there has to be a proof of purchase.
Click to expand...

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