Tales From The Dealership: Man(and Woman)children Edition

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LPG

THERE IS A GOD

Oh hell yes

>>14708098
You wait til the middle of the night to type this shit out on purpose LPG.

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>>14708098
OH FUCK LPG THREAD!!!

>>14708117
rip hairline

>>14708098
>so we sit and wait while the banks chew over her application
>I go to grab the girl a cup of coffee, and walk up to my sales manager's desk to watch for the results
>tier I decline
>tier II decline
>tier III decline
>tier Iv jesus take the wheel....conditional approval
>we open up the finance packet from the bank and take a closer look
>they want additional money down, 1500 in total
>they also want proof of basically everything
>proof of her income
>proof of residence
>proof of insurance
>personal references
>Copy of her SS Card
>basically everything they could possibly ask for, they asked for
>provided she can come up with all this, what wonderful loan offer did she receive?
>26% APR at 72 months
>anyways, I walk back to my office with the info in hand and lay it all out
>the first thing she gets caught up on is the down payment. First thing, she pulls out her cell phone and calls her mom
>I sit through 20 minutes of her going back and forth with her mom on the phone to front the additional down payment money
>I try multiple times to interrupt, as I fear the down payment money may be the lease of the concerns in this situation
>People with terrible credit USUALLY have a fairly tough time getting all the shit together they need to get a loan, even if they do have the down payment money
>After what feels like an eternity of "But momma you KNOW I need dis car!!" it sounds like she's finally talked her mom into it
>she sends her fat guy friend off to retrieve the down payment money
>I finally redirect her attention to the list of shit we are going to need to make this happen
>now here is where the real fun begins

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YESSSSSSSSSSSSSSSSSSSS

This thread is going to be
legend
.....
.....
wait for it....
.....
DARY

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These threads always make me feel better about myself

>>14708145
I don't see how people have these issues with credit. I was 22 when I got my car from the dealer. Waited 3 months and watched them drop the price about $4000 on it. Went it and put $3000 down and got financing at 1.9%.

These people must not pay their bills at all.

I'm legitimately autistic and my escape is cars

>>14708188
Are you 10 years old?

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>>14708188

Giggity.

>>14708188
That's a bad meme

>>14708145
>first thing I address is the proof of income, as this is the top thing people either lie about, or can't provide
>again, I have hope, because she works for walmart, and bigger companies usually always have some way for you to get a pay stub or earnings statement
>and what do you know, she actually has a print out of her earnings statement from her last payday with her, so I take it and start to look it over
>and here is where the red flags start to pop up
>the earnings statement lists her at just over 60-ish hours
>someone working full time SHOULD show between 70-80 hours on a 2 weeks earnings statement.
>thankfully, I asked her how much she saw on her paycheck every 2 weeks, so the income I put on the application was correct
>but based on the hours, she's probably not a full time employee, which makes a difference to the bank
>I go back and ask her again,if she is full time or part time
>Her: "Oh well, I don't really know, I never asked, but I work a lot though. aren't you usually full time if you work 3 or 4 days a week?"
>Her: "I thought part time people only work like...2 days a week or somethin'"
>Oh_dear_christ.jpg
>So I contact the bank, and explain that based on the hours, it looks like part time employment, will that matter
>they are willing to keep the same offer, but the one document they didn't ask for (a W-2), they now want to see, to confirm her income
>I go back and ask about that
>she gives me a dear in headlights look
>she literally has no idea what a W-2 is.
>her grandmother gets the cell phone and starts to call the mom back, while I move on to the proof of residence requirement
>explain that I need to see some sort of bill with her name and address on it
>she has none
>literally lives rent free with her mom
>her name isn't on any of the utility bills
>she has no rental agreement
>even her cell phone is in her mom's name
>has no voter registration
>has no insurance
>literally can't provide a single thing to prove where she lives

>>14708145
Haha fucking classic, tip top LELing over here, cannot wait for part 3

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Holy fuck I'm actually here while the story's being written
Tell me stories to take away from the sadness of my failing ABC pump

>up since 5 am
>work till 7 pm. get home at ten thirty
>so sleepy
>LPG thread
Fuck you, I love you. Didn't need that sleep anyways.

>>14708106
Yeah fuck off faggot we saw you

LPG can you PLEASE set up a Patreon so we can support you and these threads?

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>LPG thread
awwwwwwwwwww yessss

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>at work
>~80 minutes left
>haven't got shit done
>LPG thread
FUCK

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>>14708245
shiet what'd I miss

>>14708222
>by this time, grandma has the mother on the phone, and starts to try and explain the situation
>I can sense a level of frustration from the mom through the phone
>of course, the phrase I was dreading finally pops out. "here, I will let you talk to the salesman"
>here_we_fucking_go.tiff
>introduce myself to the mom on the phone, ask how I can help
>mom starts in with how this is the first time her daughter has ever tried to buy a car
>that she (the daughter) doesn't know anything about this, and asks why I am trying to be so difficult with her about it
>go on to explain I am not trying to be difficult, and that the bank is requiring these documents to fund the loan
>explain to mom why we are need the W-2
>explain that her daughter doesn't think she can provide anything to prove her residence
>mom throws me a "we live in an over 9000 square foot house, she lives here with me, she doesn't have any bills"
>again, restate that I understand that, but that I have to have SOMETHING to prove she lives where she says she does
>I go through the list of things with the mom again
>in desperation I ask about banks accounts, and say that I can even use a bank statement if it has her name and address
>girl gets direct deposit onto the walmart pay card (basically walmart gives employees the option to get paid directly onto a debit card)
>ask her if she can log into her pay card account and we can use that statement
>girl doesn't even know her employee ID number
>at this point the mom flips out, tells me that since "we won't help her, they will find a dealership that will"
>they gather up everything and leave, with the daughter still talking to the mom on the way out the door
>managed to keep the time wasted to just a little over an hour
>but of course, as with some many of these things, that wasn't going to be the end......

Any volunteers to screenshot all LPG's posts for archival purposes? If only he would just write a book....

Gofundme/kickstarter for LPG book when?

36 years old and has no idea what a W-2 is. That's just fucking frightening. I was doing my taxes (with help) when I was a teenager. How the fuck do people like this make it out of the house every day without accidentally decapitating themselves?

>>14708247
>>14708284
Stop. This is getting beyond ridiculous.

>>14708195
credit card debt

>>14708282

>girl gets direct deposit onto the walmart pay card (basically walmart gives employees the option to get paid directly onto a debit card)

The company I work for does this as well. I assume it's for people who are too fucked to actually have a bank account for whatever reason. They even get paid a couple days before the rest of us.

>>14708289
I have no idea what a w2 is, but I'm Canadian, it must be like our t4 which is employment income?

>>14708282
>reading the post
>oh no
>no it can't be over so soon

>but of course, as with some many of these things, that wasn't going to be the end......

Kreygasm

>>14708318
Yeah basically.

>>14708318

Yeah, W-2 is the form you get from your employer every year to do your taxes. Shows your income, how much you pay to SS, medicare, taxes, etc. She would have received one from every employer, every year she's ever worked.

>>14708274
Someone making a "first" post and missing first

>>14708312
>The company I work for does this as well. I assume it's for people who are too fucked to actually have a bank account for whatever reason. They even get paid a couple days before the rest of us.

Only total trash use pay-cards instead of real bank accounts.

>these people are allowed to vote and make decisions that impact our lives.

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Hey lpg I'd like to trade in my crown vic

>>14708339

I agree. The only guy I know who does this also has a wife he found in some third world country who is likely looking for a green card. He also apparently borrows money from his co-workers for shit like lunch.

>>14708339
Could be worse, could be those pay day loan places.

I knew people who would go there instead of a bank account

They would take 10% of the pay cheque just for cashing it

>>14708098
>about to fall asleep
>LPG thread
>good friday, no work
there really is a god!`

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>>14708336
>my turn at the 4-way stop
>people behind me
>people on the left and right
>time to put it into gear and go
>miss first
is there a worse feel

>>14708282
>this was fairly early in the afternoon
>much later that day, 4-5 hours later, the trio reappears in the parking lot, expect this time, the mother appears to be with them as well
>long story short, they couldn't get approved AT ALL anywhere else
>so short of going the buy here, pay here route, they are back to see if they can actually get all this to work
>first thing, I tell them we need to get the W-2
>Thank god, the mom actually had the W-2 as it had been mailed to the house, the daughter just had no fucking idea
>I literally google the walmart corporate HR number and make this girl call to get her employee ID number
>with the W-2 finally in hand, the income actually checks out, so now on to proving where she lives
>the only fucking option is to see if this girl can log into her walmart debit card account, hope they have an option to print a statement, and hope the statement has her address on it
>now that we have her employee ID number, I hold her hand through setting up the online account access
>praise jim-bob, they DO have an account summary feature that prints a statement with a fucking address
>mom has the SS card
>last thing is insurance
>mom starts up being bitchy again, asks why i can't take her insurance card
>Me: "Ma'am, the bank doesn't want your insurance, they want proof that your daughter has insurance, on the car she's actually going to buy"
>this shuts her down for the moment
>of course, we now have to work through getting this fuck-tard insurance, as she has none
>I have a guy who is a broker, who helps me out on this type of shit, so i call him up, and get dipshit on the phone with her, with mom nearby to come to the rescue fro any hard questions
>he gets the personal info and the car info, and then I get back on the phone with him
>my guy gets her set up with some insurance (which mom is going to pay)
>amazingly, we have worked through the entire damn list of shit she has to provide

>>14708098
my favorite thread has returned.
>thank

>>14708359
Jesus fuck that's dumb. You have to be a damn idiot to think those places are good. The interest rates are ridiculous. I've lost hope in the modern society.

Come to think these are the future leaders of my country.

>>14708350
>14 years ago in 7th grade
>friend wants to go to the movies
>his dad picks us up
>his car is so full of shit
>Leaves, papers, boxers
>the entire fucking back seat is full
>you can't even see out of the back of the window
>We both had to sit in the front seat
>We had to pull our knees to our chests because there was so much crap on the floor

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>>14708349
>negroids
>people

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>>14708359
Oh fuck a girl I used to work with did that.

Some people are just beyond help

>>14708117
This image makes me laugh harder every time I see it. Such subtle trolling is a lost art form. By mixing just enough misinformation with actual facts this pic goes above and beyond the typical stinking bait you find nowadays.

It's like looking at the Mona Lisa next to those farted paint paintings. There's no comparison.

>>14708372

>my guy gets her set up with some insurance (which mom is going to pay)

Did you ever overhear why the daughter is so fucking broke considering she pays for nothing? I know she's working a Walmart job for probably minimum wage, but that's still at least a few hundred bucks a week.

>>14708372
>we fax it all to the bank, and wait for the analyst to look it over and give us the OK
>here again, the mom starts trying to get salty with me
>"We you guys got to give her such a hard time about all this stuff! I never have to do this when I get a car!"
>explain that people with weak credit are subject to a different approval processes in comparison to people with strong credit
>also work in a little jab that someone in their 30's should be able to provide basic information like their W-2 and proof of where they live
>this serves to shut her up again, and we mercifully get through paperwork in silence

>>14708349
This one doesn't. Had never registered to vote. Ever

>>14708402
What I gathered from observation/eavesdropping is the girl blew it on booze, cigs, and most likely drugs. This girl looked rough as fuck, and her mom gave me the ol "she's had a rough life" sob story at some point

>>14708307
Not him but I never understood that either. Budget your card use and pay it off at the deadline.

It's gradeschool-tier planning.

>>14708410

Goddamn I hate people.

>>14708412

Seriously. I explained this to my GF and after a short time she now has like $10k in available credit and she's a few years out of HS. It's not hard to build decent credit if you don't act like a monkey.

>>14708303
This. When are you faggots gonna start sucking his cock? Tripfag worshippers are the worst.

>>14708402
>Did you ever overhear why the daughter is so fucking broke considering she pays for nothing? I know she's working a Walmart job for probably minimum wage, but that's still at least a few hundred bucks a week.

Its because they never had bills.
They see their whole paycheck as going to "them", whatever they want
Parents pay the rent/phone/bills, thats "their" money, "my paycheck is mine".
>literally an adult child.
money gets spent on dumb shit, every two weeks

>>14708397

TWO people I currently work with do this. One does it to get more money to go gamble at the casino. He's tried to explain it to me that he can win more money ///for sure/// and easily pay it back. He's called out of work multiple times to take the bus down to go pay back a loan before it hits one billion percent interest.

These people exist, and there's a fuckton of them.

>>14708427
/
>if you don't act like a monkey
That's where most humans fuck it up.

>>14708403
I'm in the service contract part of the business and the only lender that finances people with interest rates that high is Santander. To add to it I get letters from that said bank about 4 months letter saying it was repossessed.

I give this one 6 months tops.

>>14708430

I just can't wrap my head around that. I'm never going to be rich but I make a good living and I got here by working my ass off when I was younger and not being 100% retarded. I was pretty dumb in my early 20's, but if you have even a little common sense, you learn that being stupid with money is going to hurt you and you figure it out. She's on the slide to 40 and is completely useless.

>>14708419
>>14708430
plus, as other people have said in this thread, no one with any sort of real money skills gets paid to a debit card.

You never look at a bank statement, she has no real concept of what she actually makes

>>14708441
Oh we work with Santander

But you also have American Credit, First Investors, Westlake, and American Federal who all do Tier IV loans

>>14708412
It doesn't even take planning. Just some self control and you're good.

>>14708427
Exactly. If anything most of my credit money goes into food, and I don't eat much more than chicken, fruit, bread, and veggies every day. It's cheap and efficient.

I never come near my credit limit that way. What the hell these people with bad credit buy on a daily basis to have such bad credit is a mystery to me. Do they think the card leads to a bottomless piggy bank in money land?

What's better for a new car and why, LPG? Dealer financing through the manufacturer like FCA or going through a bank? Let's assume I have 700 credit score for posterity.

>>14708282
Dude you were so right about basketball Americans and altimas/maximas I can never unsee them as darkie parkies. Just fuck my Nissan moveing shit up

>not selling broke ass people versas

Don't let this thread turn into racist bullshit, keep that shit on /pol/, LPG is being civilized, some anons aren't. We don't come to LPG threads for that kind of stuff, let the man tell his stories and keep the comments civil.

>>14708452

Probably, plus they figure they can max out their shitty cards to $300 or $1k or whatever and then pay the $40 minimum payment and it's like "free" money.

>>14708458
Hey reddit

>>14708458
You realize sucking dick won't get you mod status on here

>>14708402
Walmart pays better than minimum wage even. 10 bucks an hour was the recent upgrade.

>>14708458
rare to see a comment like this on 4chan and you will probably get shit on for it but thanks for not being a cunt mate

>>14708458
>some anons aren't.
The black ones.

LPG can you go through the tiers of lenders?

What lenders make up tier 1, tier 2, etc.

>>14708469

I was guessing. I don't even know what minimum wage is anymore, it's was $3-something when I was earning it.

>>14708469
Wallmart unloader here 10.00 when your cbls are done 9.00 to start
I make 15 as a support manager

LPG is hella racist

>>14708448
We see investors and Westlake quite a bit as well. Mostly on enterprise contracts. Why people would buy used rental cars is beyond my mind. They think they are getting a deal when they're really buying the most abused cars ever.

>>14708484
Support manager of the unloaders cap 2 supervisor ***

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Shiiiit I was about to go to bed.

>>14708433
>people that pawn their shit to feed their gambling habits

>>14708481
The only reason I knew was because I read about it in the news. It reminded me of Ford's companywide minimum wage (which was pre federal minimum wage). It gave workers incentives to stay with the company (Ford had high turnover) and gave incentives to outsiders to work for Ford. IIRC it was $5 per day which is like $100 today.

Federal minimum wage is $7.65/hr today I think.

>>14708098
Lpg thread
>aww shit get in here
>fuck yes niggers
>let's all hold hands and sing while he keeps us in suspense
Any other thread
>MY OPINIONS ARE RIGHT
>LOL U HAVE NO CAR
>FWD VS RWD REEEE
>AUTO MATIC IS COOLL
>I WANT TO SUCK TRIP DICK YUMMYYY DISCO BLUE NOVA LPG LPG TRUCKER FAG MIGHTY BENZ XTERRABRO VINBRO (am I missing any)


Lpg = peace

>>14708480
Sure

Tier I is strong/excellent credit, and is made up of main line banks: Wells Fargo, Capital 1, Bank of America, BB&T, and others

Tier II is decent to average credit. It's a mix of main line banks and a few specialty lenders (banks that only do higher risk auto loans): so again, you occasionally see Capital One (they love people fresh out of bankruptcy) and Wells, but you also see Ally, Exeter

Tier III is bad credit, and Tier IV is terrible credit. On both levels, you only see specialty banks that work specifically to service subprime auto loans: Santander, American Credit, American/US Federal, Westlake, and First Investors

>>14708515
Federal minimum wage is 7.25. Alot of states set slightly higher minimum wage tho

>>14708515

The company I work for was supporting the $10 minimum wage hike in NY even though they said no one who works for the company makes that little. Kind of funny.

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Im assuming all the dealerships across the country have the same tier system? Or does it vary with local banks and lenders?

I have Wells Fargo and could get a auto loan from them but Im wondering if it would be the same one that a dealership would get me?

>>14708529
Maybe it would damage your company's competition if they had any minimum wage labor.

>>14708534
I've gotten a few letters from Capital One about auto financing. First time it was for the local Honda dealer, this time it was a Nissan dealer.

I just don't wanna be chained down by a car note so I haven't accepted any. I like my shitbox.

>>14708445
Getting in debt at a young age is one of the worst things you can do, it can fuck you up majorly for a long time.

I knew quite a few people back in high school who had already racked up a sizable amount credit card. We weren't even out of high school yet and these people were already fucking themselves over.

Some people just aren't good with finances at all.

>>14708519
I work for Ally dealing with sales and I sometimes question the customers we give loans to. But if it works then it helps me get paid at the end of the day.

>>14708534

Manufacturers can sometimes net you better deals at the dealership. Like if you finance with Toyota they may knock a few grand off the cost of the car. But if you're just financing on your own, a credit union is probably your best bet.

Maybe LPG can correct me if I'm wrong.

>>14708546

Without being specific in any way, we're the biggest in our field. We do have competition, but in the same way McDonald's would call some small burger chain their competition. That said, I think it's more about the type of jobs we have. We don't really have anything that I can think of that would pay minimum wage.

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>1982 Mazda RX7 on Jackstands
>Might be able to get the VIN before I drive an hour to czech it out
>Apparently runs, just has no wheels
>$800, owner has to get out of the country in a week
Can I flatbed a car that doesn't have tires? Or will I have to just bolt on any old junker's tires to it?

>>14708552

I worked with a guy at my last job who was in his 30's and every week he would come in with some new electronic gadget or toy that was a little too expensive and he would always say "It's just another $10 a month on my whatevercard". He ended up getting fired and used to call me occasionally asking if I knew of any jobs for him more than a year after he got shitcanned. I can only imagine the financial mess he put himself into.

>>14708567
Bolt on tires, otherwise you risk fucking up the rotors, not to mention scratching the shit out of the bottom of the car.

>>14708519
So Tale II, and back to the manchildren

>Guy in what I place to be his early 30's walks in
>wife beater, gold chains, cargo shorts hanging off his ass, the full professional job interview getup
>saw him park a.....let's say heavily modified Mitsubishi Evo in the parking lot.
>he wants to take a look at a 370Z we have out on the lot
>wants to trade the Evo towards it.
>given all the "tasteful" and "high quality" modifications, I get our inventory manager to go look at his trade while I take him out to look at the 370
>he wants to test drive it because of course he does, so I get us a plate and take him on the shortest possible test drive route I can manage
>he stalls 3 times
>when we finally get back to the lot, I send him to my office to set down and go out to meet my manager looking voer his trade.
>my manager is already laughing when I walk up, and tells me to watch this
>he starts the car, and it manages to just barely rumble to life.
>he then rolls the key all the way back, and pulls it out of the ignition
>the car is still fucking running
>only we he could get it to turn off was to stall it out
>jesus_chirst.exe
>manager goes to look at wholesale numbers, and I walk back to my office.

>>14708554
Very true. Eben with us, I see people walk in with pre-approval letters from Wells and Cap 1, but when we re-run the applications through our system, they end up getting a better APR. always pays to shop around

>>14708567
First assume it doesn't run and second throw some tires on.

>>14708445
>you learn that being stupid with money is going to hurt you
The thing with these people is that they always have had mommy and daddy to bail them out
Its like with fresh idiots in the military. They get that paycheck, and can use it on whatever, as fast as they possibly want. At the end of the day, they still have base housing, and can eat free on base. Not a care in the world. Except herpes.

>>14708453
usually just depends dude.
Heres the think though, your bank will usually give you a pretty good deal, depending on the bank. Mine has amazing rates for auto loans, and won't stop emailing me about it.
But, your bank may not be like mine, and will never give one lower than say, 4%.
You go to the dealer, send out their apps, and get back that one will give you 1%.
The finance guy then says "oh, your bank said 4%?, my guy will give you 3.5%", and you go through him, and he pockets that extra %.
Now, you're better off than at the 4%, but you're best off finding a bank or credit union that has good rates.

>>14708289
I have no idea. As soon as I started my first job at 16 my dad showed me how to do my own taxes.

>>14708581
>Tale II
I need another cigarette, christ this is getting good

>>14708581
The ghost of a Mitsubishi Kamikaze lives in the evo.

>>14708575
Is it weird that these kinds of stories make me feel paternal, like I'm watching a young child get tricked out of its lunch or something? I just want to hold these people and tell them there are better ways to live than constant consumption and debt but I'm also repulsed by them.

Of course them I go fantasize about cars I can't afford.

>>14708453
Just depends who gets you a better deal

>>14708516
It's hard to fight when you have a cock in your mouth.

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>>14708458

>>14708581
dont want to be that guy, but it wasnt just a turbo timer?

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>>14708579
A minor issue with that is tracking down tires with four bolts instead of five. Since the car wouldn't be using them forever, any old four bolt tires should do, to get the car to my garage.
>>14708583
I'm assuming the owner's lying. It's a good assumption to start with. Especially with rotaries.

>>14708581
turbo timer?

>>14708567
Just suck it up and buy a set of steelies. It will ultimately save you money, and also no wheels means an easy way to hide big issues.

>>14708607
LPG must have a million cocks though because nobody fights over who gets to suck his

>>14708589

Same. Helped that my dad worked for the IRS, but still.

>>14708599
Nah, I do it too. One of my buddies asked me about getting a hookah and he said "I feel you'd know a lot about this", why he said that I don't know I've never even owned a hookah, but he asked for my help so I helped him pick out what looked like a pretty hookah with good reviews. What I didn't tell him is that he would probably spend more money on this thing than he would ever really want to and possibly contract the flu or some shit if he had people over.

I couldn't bring myself to tell him "no" because I wasn't his dad or whatever. But I felt an urge to do so.

>>14708599

When I'm not feeling like a cantankerous old shitbag, I actually try and help people when I see them doing something stupid.

>>14708620
Shhhhh he's not done yet
>>14708516
I'm sure no one here had offered to suck my dick

>>14708581
>so, manager finally comes up with a number of 6 grand from this guys trade in
>next step is to figure out what the hell he owes on it
>go back and ask him when and where he bought it
>It was this place down in Charlotte man, I don't remember the name
>has no idea where he bought it
>ask him what he payed for it
>Him: "yeah man, all I really know is what I pay a month for it, don't really know what the actual price was"
>No idea what he actually payed for it
>afraid of the answer, I ask him what he actually pays a month for the car
>fucking 755 dollars
>no way to get a real payoff because he doesn't remember the dealership, has no idea what the actual bottom line was, or who holds the loan
>only way we can even get close is to pull his credit report, and see if the loan shows up on that

>>14708611
>>14708615
we both thought that, but we didn't see one ANYWHERE, and the guy who owned it just told us "yeah that's how I've always had to turn it off"

>>14708628
okay, i guess ill finish reading in the morning. i do like his writing style. will delete former post

>>14708628
are you in the /pol/ thread as well?

>>14708581
>only we he could get it to turn off was to stall it out

oh my g-d

>>14708609
>can't spell cellphone
kek

>>14708630
HAHA fuck, stalls it everytime, must be a hit with the ladies

>>14708635
No but link that shit so I can see it

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>>14708616
This is a problem. There could be hundreds of gremlins in the suspension system if it's still on jackstands.
I'd rather not buy a new set of wheels if I'm not going to invest in the car. First I'm going to use my community connections. See if I can track down four bolted tires. I know two guys who know other guys, at least one of which races RX-7s.

>>14708589
Same here. He made me do all the paperwork and then showed me the percentages of my money flying into Uncle Sam's pockets as an little extra demonstration.

I've never forgotten it.

>>14708630
>So I ask the guy if he would be ok with us pulling his credit report to try and get a payoff, and he agrees
>his credit report has no fucking open car loan
>this guy bought this thing off a buy here, pay here lot that doesn't even report to a credit bureau
>he has no loan paperwork
>can't even tell me anything about where he sends his check to
>"yeah, my mom and dad actually take care of paying it, so I don't really know anything about any of that man"
>tell him to get the info from his parents, and come back in, but that I doubt he could do anything
>given he bought this piece of shit from a BHPH, he's probably 10 grand underwater on it even a year down the road

he hasn't shown back up yet, I like to think his parents bitched him out when he went home to ask them how much his car cost

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>>14708581
>only way to turn off is to stall it

>>14708630
Dealers can buy Evos for $6,000? Fuck I can't find one under $15k

>>14708645
Any 4x114.3 steelies with junk tires will do just to roll around on. You can literally buy a set for 50$

>>14708458
Fuck off nigger

>>14708098
>going to bed
>let's see what those faggots on /o/ are memeing about
>Used-Car-Dealer-Stock-Image.jpg

OH SHIT NIGGAAAAAA

>>14708657
To the junkyard I go!

>>14708644
>>68709327
haven't linked cross boards before

>>14708654
The car was in terrible shape. paint was fucked. Cheap ass body kit on with zip ties. interior was dirty as fuck

IF we had bought it, we would have sent it to auction, probably saw it sell for 8, and a small time dealership would have tried to get 15K for it

>>14708519
Thank you, LPG

>>14708675
Strip the interior, call it a race car, $18k car.

>>14708671
Dammit anon read the rules

You gotta put it like ">>>/board/postnumber"

>>14708671
>>14708644
>>>/pol/68709327
fixd

>>14708671
URL or thread name will work too

>>14708667
Junkyard or Craig's list. A stock 12a can be sold for 800$ even be parted out for that. Then you even have a shell itself.

That's my 2 stories for tonight guys, sorry number 2 was lacking in quality. Will open the rest of the thread to any car sales related questions people might have

>>14708675
Do you have any stories regarding BMWs,Audi, or other German cars? Every time I get a call at work about these cars they anger me. Biggest pieces of shit I've ever noticed.

>>14708685
>8 posts in
>Twingoposting
Good god

[spoiler]Merci Twingo[/spoiler]

>>14708692
did you start as a car washer/dealer mechanic?

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>>14708706
Nope, family was in the used car business for a while when I was growing up. When I went back to school for my masters, I applied for a part time sales position on a whim, and have been surfing the crazy wave ever since

>>14708694
Only that luxury car buyers are up along with boomers for being the pickiest motherfuckers on the face of the planet. I snagged my current E320 4matic through my job for a super low price, have no regrets

>>14708692
How closely does this resemble your life

https://youtu.be/0my7VguId_o

>>14708692
About what would you offer me for a trade in on an 04 sc xterra with 100k miles and tastefully modded (solid axels slight lift) every were I go offers me between $5000 and $6000 can I do better or is this really good my dealer ship is Jewish on tradeins (11k for a brand new mustang bad)

>>14708688
If the VIN checks out, I'm bringing a buddy who's a mechanic on Sunday to look at it. We can comb through the car and find the porblem spots. If it doesn't start right there, worst comes that I pull the engine out and solve the rotary puzzle.
Or just not buy the fucking thing and give my buddy a case of beer for his trouble.

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>>14708726
nah, although if you want some funny car sales commercials, I recommend these:

https://www.youtube.com/watch?v=af9tTLzuJp8

>>14708727
provided your Xterra is 4WD, those numbers look about right man

>>14708692
What would you recommend for me to build credit aside from credit cards? I'm a college student full time and have a full time job as well. I only have 1 credit card though. I've heard getting a small loan on a cheap car would build it up, but maybe that person was being malicious. Any help lpg?

>>14708748
It is thank you so much

I sold the 2x4 a few months back no point in haveing a rwd suv especially with scary Virginia winters

>>14708769
anything that can prove you can pay shit regularly will build credit man

Buddy still saving money for a good used car. One we're looking at is priced at $11,000. What should be a good amount he should have for a down payment with no credit history?

>>14708773
Cellphone utility's credit cards arrons rent a center any consistent payment really

>>14708748
>https://www.youtube.com/watch?v=af9tTLzuJp8
My sides are in orbit, thanks man

Also what would you take for a 2011 Corolla with 130k mules on it?

>>14708472
spotted the austalian

>>14708770
no problem man

>>14708769
The responsible use of a credit card is the way to start man. Usually, you will want to start with one bank card (as in a credit card from your actual bank) and one store card (like a Best Buy or Home Depot card). make small purchase, pay on time and pay early. I will post my idiots guide to understanding credit right after this, hopefully it will be helpful

>>14708781
>I saw your credit report, you gotta lot of money, so let's do the deal!

What trim/options?

>>14708652
I'm amazed people like this exist

>>14708780

A lot of that stuff doesn't report to the credit bureaus. Credit cards, home loans, car loans tend to report regularly. I've had the same cell phone company for years and I don't think I've ever seen it show up on my credit report.

>>14708769
>>14708790
So here is my basic guide to credit, and how they get your score:

Payment History - 35%
-The most important component of your credit score looks at whether you can be trusted to repay money that is lent to you.
-Have you paid your bills on time for each and every account on your credit report?
-If you've paid late, how late were you - 30 days, 60 days, or 90+ days?
-Have any of your accounts gone to collections?
-Do you have any charge offs, debt settlements, bankruptcies, foreclosures, suits, wage attachments, liens or judgments against you?

Amounts Owed - 30%
-The second-most important thing: how much you owe. It looks at the following factors:
-How much of your total credit have you used? Less is better, but owing a little bit can be better than owing nothing at all. Lenders want to see that if you borrow money, you are responsible and financially stable enough to pay it back.
-How much do you owe on specific types of accounts, such as a mortgage, auto loans, credit cards and installment accounts? Credit scoring software likes to see that you have a mix of different types of credit
-How much do you owe in total, and how much do you owe compared to the original amount on installment accounts?

Length of Credit History - 15%
-How many years have you been using credit for? How old is your oldest account, and what is the average age of all your accounts?

New Credit - 10%
-Your score considers how many new accounts you have. It looks at how many new accounts you have applied for recently and when the last time you opened a new account was.
-If you've opened several new accounts recently, you could be a greater credit risk

Types of Credit In Use - 10%
The final factor is whether you have a mix of different types of credit, such as credit cards, store accounts, installment loans and mortgages. It also looks at how many total accounts you have.

>>14708780
>>14708799
Yup, things like cell phone bills and utilities actually don't build credit. They only report negative history, so while not paying them can fuck your credit, paying them on time does nothing to build it

Only things where you are actually lent money or extend credit serve to build your score

>>14708652
Ending?
Don't leave me hanging LPG

>>14708808
learn something new everyday, pretty ass backwards tho

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>>14708808
>Only things where you are actually lent money or extend credit serve to build your score
fuck

>>14708815
>>14708823
true, but the logic makes sense. The entire purpose of a credit score is to judge how much of a risk you are if someone is going to give you a loan

Paying your water bill on time isn't a judge of how you handle a loan. Not paying it though shows you have shitty money management skills

Like I said before, start with 2 credit cards, one bank, one store card account. Join a credit Union if you have the ability too, they are great for people looking to start building credit

>>14708790
>here's the steering wheel, that's what you drive with...hey hunny come on back here!
Also mistake, it's 2010 but only 92k miles. I must be getting confused with two other cars.

LE. Options...like what? Sorry I don't know what you're looking for. It's as vanilla daily driver as it gets. Not even an Aux cable.

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>>14708801
Thanks mate I appreciate

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>>14708837
Assuming just a basic LE, this would be your range, depending on the condition it's in

>>14708815
A lot of what society does is pretty backasswards in terms of how things happen.

>>14708852
It's clean as a whistle so that's good. Only ~7k is a bit of a downer but overall really not terrible for what I paid for it.

>>14708833
cheers for the info man, have a good friday everyone

>>14708874
*forgot to say thanks

Polite sage

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1 more question LPG, I want to take out a small loan with my bank(around 5k), for a 280Z. They're rising in price and I think I can snag a decent one for around that price. I honestly want it as a new DD. But if it came down to it, it could possibly be worth something when I'm ever done with it.

Would this be bad? I really want one meng, and I'm afraid if I wait too long the prices will be retarded for even a rust bucket frame with not even a steering wheel.

>>14708908
Probably the only loan you can get is a signature loan. Expect interest rates between 11-18%.

>>14708927
thats good to know, only debt I have is my credit card(which I recently paid off)

and a small and oldish student loan I occasionally throw money to(less than 3k)

>>14708282
>9000 sq ft house
>9000 sq ft is literally 2-3M McMansion tier

>>14708098
>basketball americans with the altima/maxima fetish
everytime

Thank you LPG, doin gods work

So as a first time buyer my credit union is offering me a 15k loan at 6% as long as I do a 10% down payment and have insurance.
This good or am I getting bamboozled

>>14708993
puerto rican/dominican spiggers in new england love em

Has anyone ever come to you dealership and offered to buy a car with bitcoin? >>14708145

Idk if your still around LPG but i have a credit car, and i buy shit. And pay it before i even need to. (E.g. i buy something say speakers for $100 i pay it immediately within 3 days. Does this do anything to my credit?.) Its my banks credit card

>>14708624
They just want you to do the research
Plus they can blâme you if that a bad choice

>>14708112
>>14708188
>>14708232
>>14708262

Same basic posts every time. I am pretty sure LPG samefags this shit.

>>14708852
Hey LPG - Looking for a bit of help.

I have a 2011 Lincoln MKS Ecoboost (68K miles) that NADA shows at about 19K for dealer trade in. Dealer retail shows at 21. It is under a 3rd party warranty for another 6 months or 1800 miles (I drive. A lot). I owe 13K.

I'm not working anymore, and looking to not have a car payment. I've found a dealer that has a car that I want, and I think I'm positive enough to walk away with a car and zero payment. They are asking for $5500 for their car.

My question is - Is it unreasonable to expect to get about book value for the trade?

>>14708372
Here in Germany, if we are about to purchase a car, we call up insurance and get a...8 digit, I think, number, to prove the insurance knows what I'm about to do. The car is actually insured at that point. Provided I am a customer at that insurance, I'd wager. Can't just call up a new one.
How does it work in US? Sounds somewhat similar, broadly.

>>14708487
Because he has to actually deal with nigs.

>>14708652
>this guy bought this thing off a buy here, pay here lot that doesn't even report to a credit bureau
I hope you let him know that he could stop making payments with no harm to his credit score.

>>14708692

I've waiting for you to pop up because I've been wanting to ask this for a while: How much can you haggle off the price of a brand new car? For argument's sake lets have a £23k VW Golf with £4K in options and upgrades from factory.
Like could it be negotiated down to £25k THEN bring up the notion of financing, or would I need to mention financing it to make them negotiate the price?

I ain't buying one now as I don't have a job at the moment and I have other things to save for, I am just curious.

>>14709867
The fact they don't even report it to anyone, doesn't that just mean he could stop making payments and there's fuck all they could do about it period? Sounds like there's not even a record of the transaction

>>14708312
Worst part is Walmart charges fees every time these people use the card. Walmart keeps fucking them up their ass after paying them.

>>14708452
>Paying basic needs like food on credit.

Unless you pay it off before it's due you're fucked and should just kill yourself.

>>14709950
They could attempt a repo, but the guy is so upside down that they'd be doing him a favor.

>>14708117
It actually took me a second to realize what was going on here

>>14708399
Man, I must be a dumbass because I don't know what is wrong.

>>14708193
j-just...fuck my shit up

So what's your worst test drive experience LPG?

>>14708098
>it's a longpostguy posts a story episode
GOATest of GOATs

>>14708403
Maybe I missed something, but why does she need to *prove* where she lives? I have strong credit, so that probably plays into it, but i've never had to prove I lived somewhere. Had to prove insurance, income, and all that, but never I live where I say I do.

I just told them where I lived and they said "k".

Fat fuck here, guess I should go to /fit/ for this but whatever. Started off at 360lbs, down to 250lbs. Just cutting calories and doing cardio. If I had to say what diet I follow it would be a paleo diet with dairy consumption.

As of right now I can tell I lost a LOT of strength . At some point I'm gonna have to switch from a weight loss diet/workout to a muscle building diet/workout but I have no idea how. Figure i'll get around 220 then start really thinking about it

>>14710107
If you start a "muscle building" workout you can eat the same diet your doing now for about the first month or so. Your strength development won't be hindered that much by your dieting method at the beggining. Once you peak your noob gains though you will have to adjust your diet in order to continue increasing strength and muscle building.

Christ there are a bunch of children here. Worry not and bask in my wisdom.

>>14709071
Thats not a very good loan. Obviously not the worst but they see you as a risky loan. If possible I would continue building your credit and try again. (Someone with good credit would qualify for a much higher loan with 0 down and 1-3% APR).

>>14709229
As long as you are paying your balance in full before the due date, you are helping your credit and not fucking yourself with 12-20% credit card APY. As a rule, try not to exceed 30% of your card's limit at any time, this will also help your score.

>>14710097
At high risk there's a good chance you just put down your address as "123 Fancy Pants Lane" so they don't just throw your application in the trash when they see "24232C Nigger Road"

>>14710120
Ill have to look into the workouts. I'm not trying to get ripped or anything. Just want to have at least the strength I had before the weight loss.

Like yesterday I was putting my jeeps 35s back on and I was really struggling to hoist em up onto the hub. By the 4th tire my arms felt like noodles

this thread was fucking gold

>>14710252
http://archive.4plebs.org/o/search/tripcode/%21%219TEWI1TbGdH/page/200/

in case anyone wants to read more shenanigans...will have to sludge through vin checks and financial advice to get to the stories but they're worth it.

>>14710206
Good luck friend. Also just FYI basically the workout you do is not what really defines if you become ripped or jacked. It's the combo of your exercise AND primarly the diet. It would also take over a year of fitness lifestyle dedication to really become "ripped". If you do any effective workout routine and eat right you are going to be stronger, look better, and build muscle. If you want to focus on getting strength I would suggest researching simple routines like stronglifts, greyskull lp, starting strength, or canditos novice routine. All these will still also make you look better of course. There's no secret routine for ultimate power. Life isn't a video game where you can min/max your stats if you get what I mean.

>>14710304
I do want strength but endurance is most important to me. Wanna be able to strap on a back pack, hike all day, camp then wake up and hike another entire day without feeling like I wanna die (or eating 10 percocet during the day like I do now )

>>14710097
Becuase they need an address to go repo the car.

>>14708399
Ok, what does it do?

>>14709521
Its almost as if LPG makes threads at about the same time, so the situation is likely to happen. Its also as if people really like LPG because his threads while being funny are also very helpful when he provides advice about car payments/buying. Also VINS.

>>14710583
Not him but it's a little suspicious, not enough to call him on it though

>>14710038
>>14710509
Most of the food stuff is correct. The workout shit is just awful. Larger muscles vs smaller muscles isn't really a thing. This also kind of focuses you on losing fat and building muscle at the same time, which is basically impossible. Only one or the other at a time.

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>>14710602
Then just watch the posters vs replies count as the thread moves

>>14708393
Pol plz stay

>>14708567
>>14708613
location? I have a set of shitty wheels that are bent and have shitty used tires mounted on them, but they will fit on an old 4-bolt RX7. I forget what the exact pattern is but they will fit. The wheels are no good, way out of round and out of balance, but they will make the car drivable at below interstate speeds. they're just taking up space in my basement.

>>14709589
When I bought my last car from a guy on craigslist, I called my insurance after the sale and did the same thing. Tell them make/model/year etc. Idk if it was full coverage, but it was a 3 hour drive home so I didn't want to take any risks.

>>14710322
If endurance is your goal, lower weight with higher reps (8-12) should be your general regimen.

>>14708458
Fuck off nigger

>>14708487
Let me guess you live in white suburbia and the only black people you see are well off?

>>14708546

Could also be that alot of companies are smart and realize if wages don't grow then their profits won't either, and they probably also realize that most countries where the the richest few own more money than the rest of the country usually are 3rd world dictatorship shit holes, where there is no money to be made since its all lost to corruption.

>>14708908

Shop around for a personal loan, I have good (but not excellent) credit, I can get loans up to $10k with sub-2.5% APR.

>>14708458

nigger off you fuck

>>14708487

come live in NC for a while and you will be "hella racist " as well

>>14708458
Fuck off nigger.

>>14708458
Negro pls

>>14709867
>>14709950
It's true, as long as it's been more than 6 months (I think), he'd be in the clear as far as just giving them the car back. Among the shit bag of reasons BH-PH is horrible, the fact that you can actually manage to make all the payments on time, yet build no credit is probably the one of the worst

>>14709940
in the US, you will always get more leeway to haggle if you finance. Even if you have the cash to buy it, finance it then just pay it off in a few months.

As far as total amount of margin to haggle, it can be up to 20-25% depending on the car and the circumstances

>>14710097
It's because she has shit credit. With weak credit, there is a high chance of a repo, so the bank wants to know she DOES actually live at that address in case they have to come get the car

>>14709122
No, and in our area, I doubt there ever will be.

>>14709229
Yes, it does, see my guide to understanding your credit above >>14708801

>>14710884
>Even if you have the cash to buy it, finance it then just pay it off in a few months.


That's the plan m80, and are you being serious with 20%? Why so much discount? Are staff incentives for rolling out finance deals that high that they will knock that much off to get a sale?

>>14708193
>when you keep your cut fucked and your life unfucked

>>14708458
get nigged pupper

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>it's an LPG thread

>>14708498
Not like you have any responsibilities you fucking weeaboo

Hey LPG, what's the one site that will run your credit report and not ding your score? I believe you mentioned it once before that it's ok to run once a year?

>>14711178
I am being serious. Now there is no guarantee you will get that much, but it is possible if you are a skilled enough negotiator and you catch the right right car at the right time

In the US, the end of the month (the end of december being your best case scenario) is when you have the most leverage, as monthly sales bonuses make up the largest part of a dealerships margin, and they will be more pliable towards the end of the month when they have to make sales goals

>>14711341
Credit Karma, and it doesn't hurt your score to check it, so you can run that as often as you want

>>14711341
if you're looking to take advice from LPG and are looking to open a credit card to build credit, discover cards give you a free fico score, been using that for a bit. kind of nice.

>>14710884
Isn't there another benefit to taking a loan you didn't actually need and paying it back fast? You'd be getting good credit history. (Although you'd probably already be fine if you were getting a non-fucked loan to start with.)

>>14711475
I have the same thing going on. I have very little history, but my score is pretty good.

>>14708098
Hey LPG trying to get my crdit built and i just got this offer from my bank. Is it avg offer or should i go to a credit union and buold it there?

>>14708372
What's the deal with the buy here pay here lots? I understand that you finance through them but are they just usually really predatory or what?

>>14711556
Building credit. Dealerships will almost always budge more on price when you finance, plus you get the full benefit of an auto loan paid in full to your credit score

>>14711682
What's the offer?

>>14711850
The short answer is yes, they are very predatory, but let me give some details

If you take a real/legitimate loan, through an actual bank or finance institution (like a credit union), there are obviously regulations that apply to protect you. There are caps to the interest rate, certain regulations regarding the terms that the loan can have, and protection for you if you fall behind on payments or have trouble making a full payment


As you said before, with a buy here, pay here, you aren't taking a loan from an actual financial institution, the dealership is loaning you the money out of their own pocket. Because of this, they are able to bypass the usury laws in place in most states, again, because they aren't a real bank.

In some states, they will even draw up the sale as though you are putting the car on layaway, essentially stating that they loaned you NO money, they are simply allowing you to pay for the car in installments

In North Carolina for instances, the APR for any vehicle 11 years old or newer is capped at 28%, and lenders are required to I've you up to 90 days arbitration/grace to work out making your payment if you fall behind. I have personally seen Buy Here, Pay Here lots issue loan contracts with an effective interest rate of 40% or higher. Also, most of these 'loans' will have horrendous terms, where in you are either charged a hefty penalty, or the entire sum of interest if you attempt to pay them off early. The terms will allow the lot to repo the car if you are so much as 24 hours late with payment, and because of the natures of these 'loans', they aren't reported to the credit bureau, so even if you did somehow manage to make all the payments, you've done nothing to build your credit

part II in to come

>>14711850
>>14711903
Buy Here, Pay Here lots work along a very specific business model. They buy extremely low cost cars at auction-(It's why you always see at least one PT Cruiser at a BHPH lot)-usually things they can snag for about a thousand dollars. They drag the bottom of the auction runs, looking at stuff with frame damage, branded titles, major accidents or mechanical problems

They then polish the turds up just enough to get them to pass a quick test drive, then throw them out on the lot. The idea is that when someone desperate enough comes on the lot, they will ask as a down payment whatever they paid to get the car at auction. Thenm any payments made by the poor fuck who actually buys the car are icing on the cake. The first late payment he makes, they repo the car, dust it off, and stick it back out on the lot again

The scenario plays out something like this: Buy Here Pay Here gets a ragged out beat to fuck Corolla at auction for 700 dollars

Poor sap with no credit walks in, and they point him to the Corolla. BHPH salesman says he can get the guy into the car for 700 down, and at 400-500 a month. Guy gives the down payment, makes 4 months worth of payments, misses one payment, they run out and repo the car, wash and vacuum it, then throw it back out on the lot and do the same thing again

I have seen certain lots buy, repo, and resell the same cars 5-6 times in the course of a year.

>>14711903
>>14711931
I always thought those places sounded scummy, but damn... I feel kinda of bad for the people who have to resort to them to get a car.

>>14712097
They pray on the ignorant and the desperate (or people who are both).

Cash for Clunkers, combined with the recession, gave rise to these types of places, as the market for decent cheap cars devastated, and people who had relied on being able to buy a decent vehicle for 1K were pushed into these sorts of dealerships

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>>14708098
Sorry forgot to attach piv im >>14711682

>>14712193
Damn it kid

>>14708312
A lot of companies do this because it's cheaper for them to have another company handle their payroll because the company charges you 10 - 25 cents a trans I've worked 6 retail jobs and they all do this

>>14711931
This left a disgusting fucking taste in my mouth

>>14711931
And is this scheme blatantly illegal petty crime or technically legal abuse of the poor and stupid?

>>14712406
legal abuse of the poor and stupid

>>14712406
The latter. It's like payday loans, sub-prime mortgages, HFCS, and other american inventions.

It's basically keeping the poor poor so they don't have to learn to live without a slave underclass.
In many ways, it's cheaper than slavery. You had to feed and house slaves. With low-wage employees, you just pay them and they keep themselves. When they fuck up, you don't beat them. You just hire another.

>>14712406
It's not abuse if you seek it out and choose it.

If you see a hornet's nest and go hassle it, you don't get to be the victim when they sting the shit out of you.

Hey LPG,

What's a decent price on a dealer-new 2014-15 Forester, base model, CVT?
Also, any info on if the Subaru CVT being chain-driven actually prevents grenading?

i think this thread may be dead
but just in case

>thinking of buying a $5k miata off craigslist
>see one at a dealership
>asking $4500
would it be better to slap them with the whole cash amount?
or would financing be better for my credit, and negotiating the price down more?

also i have great credit and enough money to pay for it right now. just looking to get the best deal possible

also any tips for miata buying are more than welcome

>>14708487

anyone who works with a lot of black customers ends up a racist.

>T. waiter

>>14712860

Anyone who has a lot of black clients ends up racist.

T. Lawyer

>>14708581
imagine if that motor lit on fire without turning off, that would be the scariest shit.

>>14712877
Anyone who has a lot of black clients ends up racist.

>T. Male Prostitute

>>14712877

Anyone who lives in the south ends up racist.

T. Southerner

LPG I got a question. A few months ago I bought a car from a used lot and it ran great for the first month and then the steering completely wrecked itself. The lot has mechanics onsite, so they fixed it, however I'm still having problems from time to time such as the car stalling when accelerating or turning. They told me there's an issue with the subframe that's gonna cost a ton of money to fix, money that I don't have and they're not willing to put up.

The dealer says there's nothing they can do since it's already been financed. What should I do? Contact the finance company and tell them it's a lemon?

I have a 2006 vw golf gls (I think) with around 74k on it. Its in really good shape mechanically and is overall one of the cleanest I've seen. What do you think I should ask for it LPG?

>>14710107
Lift instead of cardio

>>14710107
Just read the /fit/ sticky

>>14712443
I disagree. If you're stupid enough to get yourself wrapped up in shitty-but-legal situations like payday loans, rent-to-own appliances, non-fixed-rate mortgages or buy-here-pay-here used cars, you deserve the fleecing. This is not part of some grand conspiracy to enslave the human race, it's the way of the world and it's human nature. Someone is always going to get someone else, there will always be idiots that get ripped off by unscrupulous people, and it's never going to change.

Use your brain, read your terms, and think about your actions. BOOM, now none of these things will never affect you.

A soft, friendly world enables stupidity.

>>14713185
Subframe issues don't just spring out of nowhere. It's likely enough that they already knew about the issue and sold it to you like that. Sounds like a bit of a fucking lemon to me mate, head down to the dealership and kick up a stink

>>14712193
thats a fine offer, you will likely get something close to 20% with a 1-2k limit
get it, buy gas or something with it and pay it off immediately to avoid the ridiculous interest rates

after a year you'll have some credit and they'll up your limit

>>14712542
a starving man sees honey where a full man sees stingers

desperation and poverty are a trap and this includes individuals as well as entire nation-states

TI poli sci/econ major

>>14713450
Desperation and poverty are a fact of the human condition you dumb fuck.

Your liberal arts education taught you a bunch of lofty theories posed by people living cushy-ass lives but it didn't give you a taste of reality.

T. Someone who grew up in abject poverty

>>14713490
I'm going to ignore that saying "desperation and poverty are a fact of the human condition" is in itself a theory. Marxists love that shit
But

not contesting that it is not a fact of life. I'm agreeing with you.
But desperation and poverty are very much a condition of human civilization but you can't deny that they are also entrapping; As in, poor people tend to stay poor more often than they can elevate themselves. Poverty by definition denies them access to measures that could help them. This is true for countries as well.

I don't study languages, history of philosophy. I study political science and economics. It shares lots of things with the former but there is certainly no clear cut definition between any degree that is not purely natural sciences. And it gives you a taste of many realities albeit only a taste, not a bite. Sorry i did not take poverty 101, but i've studied development enough to understand the obstacles that people face. Poverty is a trap. It is real. And by studying it you can start to figure out how one can escape that trap.

Now, i know states more than people, so i'll go with what I know. One example is South-East Asia. In the 50's they shared many of the same characteristics as African nations, but many countries have since grown exponentially and are substantially less poor than they used to be. But it took leaders who understood what needed to be done, leaders well versed in... god forbid... history, economics, international relation, politics. Take Singapour. In the 50's (adjusted for inflation) they made the equivalent of 3000$ per capita. Today it is 15,000$. This is mostly due to very calculated agenda led by quasi dictator Lee Kuan Yew.

There is a way to escape poverty. It's hard as fuck, because you don't have the right tools, or other people/states take advantage of you (like BHPH places). But it's not permanent, it can be diminished or made larger, or tossed around any way you want it. And that's no lofty theory

>>14713629
>I'm going to ignore that saying "desperation and poverty are a fact of the human condition" is in itself a theory.
Pretty sure it's a fact. As long as mankind has existed there has been poverty, as long as nature has existed there has been desperation.

>>14713642
Humans can only feel poverty if you give them a basis to judge themselves on. So you need a society.

Locke and Hobbes would argue that before society, all men were equal and at peace, and that no man could abuse what god had granted to everyone. That's a theory.

Marx would argue that our class system keeps people either in wealthy cushy positions or in poverty and slavery.

Both are theories. Both contradict each other on the basis that poverty has always existed. Poverty is what we know now because that's what we've made it. Did indians have any concept of wealth? I don't know, but it leads you to think.

Either way its hard to prove, and therefore not a fact, but thinking that poverty is a constant is a theory. And there is nothing wrong with a well founded theory. Our knowledge of gravity is a theory, for example. And you could, if it was reviewed, say that your experience with poverty has led you to think that poverty is a constant. And that's fine, and well defendable.

On the second point: i'm going to agree, desperation is pretty much present in all sentient being smarter than a snail.
Pretty sure my dog can feel desperation.


is this conversation going anywhere?

>>14713450
>>14713490
>>14713629
>>14713642
>>14713697
at the very least we are bumping the thread

>>14713354
thanks, hans

>>14708098
LPG, what is the best way to get out of a car I will be upside down on?

>>14713810
Not getting into that position in the first place.

>>14713820
Wew lad, that's some great hindsight advice.
You should have also told me to invest early in Google, Microsoft, and Apple, that way I'd be a millionaire and not in this predicament.

>>14712193
Wells fargo is a shit company. Don't do it.

>>14713853
Looks like a good offer for a college kid.

>>14713853
Can confirm. I bank with them and hate every second of it. The loan isn't that bad but the banking experience is beyond terrible.

It took like two hours to set up an account. And to top it off the lady just lost the 140$ I gave her for the first payment on my loan. So I ended up being late on it. And they only reimbursed me 100$ for it. Essentially Wells Fargo stole 40$ from me.

>>14708195
It's ignorance and 75% of the time just no history of credit. Just like 75% of fat people don't understand what a calorie is

>>14712193
>>14713853
>>14713929
look into discover for students. chances are you'll get approved if you have at least one form of income (including school grant/scholarships.)

I started with 1k limit, 5% on gas and restaurants, and you get a credit score report.

How decent is paypal credit for building credit?

>>14713929
looks good on a surface, shit underneath.

https://www.consumeraffairs.com/finance/wells_fargo.html

http://banks.credio.com/l/1/Wells-Fargo

http://www.mybanktracker.com/Wells-Fargo/Reviews

>>14709589
In the states it's basically the same; you just give the dealer your insurance account number and they can call the company to verify it, or you can show them your proof of insurance if it's more of a pleb-tier purchase.

Basically most insurance companies have smartphone apps that will automatically display your proof of coverage, or they mail you a little paper card. We're required to have proof on hand when driving. But even if you don't have the card, as long as you have insurance you're ok. The police can give you a ticket for "no proof," but all you have to do is take the little card to the courthouse and they will cancel the ticket.

If you don't actually have insurance and you get caught yer proper fucked m8.

>>14713993
Paypal credit doesn't report, opie

>>14713993
they don't report to credit agencies if it's paypal credit/bill me later

better to have a physical card anyways.

>>14711341
literally any first-world credit card company will show you your credit score >for free and it will not hurt your credit. Because it's >for free, they only do it often enough to give you info without screwing you.

Mint.com will do it too.

>>14712790
>any tips for miata buying are more than welcome
dont

>>14713810

Why do you need to get out of it? Your best bet is to pay it down/off and start fresh.

>>14713354
>not yotsuba blue

get fucked m8

>>14714033
This.

Shit sucks, but it's better to pay it off in the long run.

>>14714023

What this guy said. I have several credit cards and they all offer you a snapshot of your credit score.

>>14708965
9000 is a meme number anon.

>>14708458
Get fucked, nigger.

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>>14708098
>Just drove 15 hours to get a car for a customer of mine
>LPG thread
God damnit, and I thought today wasn't gonna be a good day.

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HI BORROWING MONEY IS FOR POOR NIGGERS >:Ξ
BUY EVERYTHING STRAIGHT CASH, LIKE THIS.

>>14714410

everyone hates your stupid tacoma and your modest middle class income

>>14714450
>Tacoma
LOL

>>14713995

What are proving there? Literally every major bank has shit reviews because all those sites consist of is people complaining. I've got that same line of credit with no problems, though I'm not yet out of my year of no interest.

I had no credit score, so it says it'll be ~20% apr, but hopefully it'll be lower since I'm being careful about it and have had an account for ages.

>tfw I only got a credit card because LPG said it was a good idea
Thanks, bro

>>14714033
I became a truck driver so my car just sits at home with a blistering $540 a month payment. I made a horrible decision buying it and only got it because my mom was going to make the payment while I went to college but things changed. Now I'm looking at getting a cheap 80's/90's coupe.

>>14714542

Pay it off as quickly as possible. Like throw every penny you can to getting it paid off because if you trade it in, you're going to get deeper in debt and end up owing a ton of money on something else. You fucked up, but the best way to fix it is paying it off, dumping it and not fucking up again. It will be painful, but anything else is probably going to make the situation worse.

>>14714560
I don't want anything else from the dealership though, I had thought about trading in but stopped for the very reason you mentioned. I was just going to pay cash for an FC RX7, MR-2, or NA Miata and be done with it. But it seems there's no way to get out from my FR-S.

>>14708098
>Get home from work
>Better sleep
>LPG thread

>>14714598

Just pay it down to a point where you can sell it if need be. You'll walk away with nothing, but you won't have the payment anymore and you shouldn't hurt your credit. Then you can pay cash for something else.

>>14714621
Yeah, that's probably the best course of action at this point.

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>>14714450

> middle class income

More like neet bux.

My sides.

LPG if you're feeling suicidal from the hp reveal on the abarth 124, don't worry

http://www.hpsimotorsports.com/#!eurodrive-obdii-flash-phase-1/ca1o

$1000 of tune and intake = 230rwhp and 240torque, peaks at 3800 rpm

>>14713185
Depends on what the lemon laws in your state are. Best bet would be to run it by a lawyer. Subframe issues don't come from out of the blue though my man...

>>14713324
>Someone is always going to get someone else, there will always be idiots that get ripped off by unscrupulous people, and it's never going to change.
I agree 100%

>>14713810
If you have insurance with GAP coverage, a 25 mph collision with a tree. Otherwise, are you sure you'd be upside down in the car?

>>14714753
I know man, basically all this did was convince me to wait and pick one up used, that way I can dump 2-3K into a tune/some decent aftermarket and not feel guilty about it

>>14714774
the thing is, you don't need 2-3k, since it already has most of the upgrades anyone would do (shocks+springs+big brakes+lsd+exhaust)
all that's left is power and it's basically done

>>14708218
Better to pee on roof than to roof on peepee

>>14714757

E46 BMWs commonly have subframe issues.

Does anyone else fucking hate those craigslist flippers? Chicago CL is full of Russian dudes trying to flip public auction junk on unsuspecting sellers.

>>14708458

Jodete Negro

>>14714788
True enough.

It's just 1.)It's going to depreciate like a fucking rock because Fix It Again Tony and 2.)Even if I cuck up and go new, I hate voiding the warranty pretty much immediately, because I'd have it done as soon as I got the engine through the break in

>>14714823
True, but again, they don't just appear overnight, it's something that you're going to see signs of well in advance of it becoming a catastrophic problem

CL flippers are a big thing down in Charlotte here, but it's all arabic/middle eastern guys trying to do it

>>14713354
post more caps?

>>14708801
>you've opened several new accounts recently, you could be a greater credit risk

in my recent experience with over a 750 credit score, even ONE account in the last 6 months is likely to get all %10 of that weight negative, and probably counted more for some banks.

>>14708615
a turbo timer is a device that lets the engine run a few more seconds so the turbo gets time to actually gets the revs down to avoid damage to it

>>14713377
You think so? I have a full time job so maybe lower?
>>14713982
Ill look into them thanks man.
>>14713995
>>14714469
I agree those reviews dont say much. My mom has been banking with them well over a decade no with little to no trouble and of there was it was fixed.