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Why do normies love monthly repayments so much and have this

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Why do normies love monthly repayments so much and have this idea you gotta upgrade your car every 5 years?

They'd finish paying their car off then trade it in while it's 'still worth something' and use that money towards their new car.

Then rinse repeat. what's the point of that if you gotta always be paying something off
>>
They don't want people to think they're poor.
So they work hard and buy things on installments so they can prove to their peers just how not poor they are.
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Because they want to drive a new car not a 20 year shitbox full of dried cum and boogers
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>>16221996
>>16222014
And there you have both sides of the argument, in a nutshell. Nothing further will come to light. Please refrain from further posting as this thread has run it's course.
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>>16221943
Normies are retarded and don't know how to maintain their cars. When their car starts having issues, they think it something that just happens to all cars when they get "old", instead of realizing its because they haven't ever done anything other than oil changes and occasionally changing the tires. They buy new cars to avoid this.
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>>16222233
Man, my dad bought a base model dodge journey because his base model avenger hit 80k and he got nervous about the "high mileage".

Reeeeeee
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What do normies think when they see some generations old car still running. Not exactly like a 68' Camaro, but like a Ford Escort that has been kept in perfect condition by some guy who just never got rid of it?

People think I'm crazy for freaking out about some non-ticking, no body damage, interior not cut up, and stock rim 80s or 90s car that drives past.
It's just nice to know people took care of things normies have just thrown to the curb and cashed out on.
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>>16222233
>Normies are retarded and don't know how to maintain their cars. When their car starts having issues, they think it something that just happens to all cars when they get "old", instead of realizing its because they haven't ever done anything other than oil changes and occasionally changing the tires
That sounds uncannily like the retards on this very board who "advise" others to steer clear of anything with six figure digits on the odometer, citing generic issues that may or may not surface as though the car's irreparable IF they should arise.
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>>16221943
Some people like changing up their car every few years. I once knew a guy who would only ever lease vehicles, just so he could drive new/different cars when the payments stopped.

Personally, I don't understand why you would want to trade in your car after you bought it, unless you were tired of it or weren't going to do anything with it.

Having payments isn't necessarily a bad thing. You might want a $20k car and not have $20k to drop all at once, that's where financing comes in. The benefit to this is that you own the vehicle you want before some mongoloid thrashes on it for 150k miles and has to sell it because everything is breaking. You also build your credit very quickly with payments which is helpful when you need something financed in the future, like a house.
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>>16222286

Woah woah now.
Calm down.
Cars with over 100k miles are generally fucking trash man.
I have made it my own rule to never buy one over 100k again.
Sure, it's hard to find a Miata, Crown Victoria, Mustang, or whatever gay /o/ culture car you're selling under 100k. But I'm willing to spend more money on something some faggot hasn't modified, fucked with, and just let sit.
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>>16221943

>what's the point of that if you gotta always be paying something off

You always have a new(ish) car that has warranty on it and you dont have to care about anything else than the yearly inspections.
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>>16222299
>just let sit
Worse thing you can do for a car.
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>>16222299
>Cars with over 100k miles are generally fucking trash man.
Only if you've got absolutely no idea what you're looking at. For those who do, and don't mind ironing out anything previous owner/s may have neglected, they're golden. And high mileage doesn't mean it's modified or fucked with... Unless again, you have absolutely no idea what you're looking at.
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>>16221943
Well you gotta keep them normies working their asses off so the world doesn't fall apart. It's just another way to enslave them, with the added benefit that the rest of us that have two functioning neurons get to enjoy the cars dirt cheap afterwards.

I'm totally fine with it.
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>>16222345
amen my friendod
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>>16222280
this is really a comfy thought of you.
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>>16221943
You live 100 years, maybe.
Changing a car every 3 years isn't a bad idea.
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>>16222345
So much this.
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>>16222025
at least you tried
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>>16222377
Your mom tried too
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>>16222280

>People think I'm crazy for freaking out about

Crazy people tend to freak out.
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>>16222345
>>16222355
>>16222369

t. rusted out shitbox owners
>>
>he thinks cars last more than ten years nowadays.
>he thinks paying 500 bucks to replace a single belt because of planned obsolescence makes sense on a car only worth 1000 bucks.
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>>16221943
They've been cucked to think paying 20 grand every 4 years for fuck-shit-nothing to show for it is good economics.

HAHAHA
>>
my parents used to strictly finance because leases apparently used to be a bit more evil back in the day

but now my mom just leased a 2016.5 Mazda CX-5 and my dad just leased a 2017 Chebby Volt because leases have gotten better

i almost traded in my G35 to lease a Mazda6 but i decided against it because the Infiniti is still a lot nicer in terms of build quality and solidity and I can just throw some Android Auto head unit (waiting on the JBL CP100 to come out) and/or a Navdy if I need the latest tech
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>>16222280
I do the same thing, I don't freak out but it's a nice feeling anon, seeing someone take good care of his car.
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>>16222482

I just went to the ford escort forum and found this.
Just the simple fact someone still is driving this body style around, with a 1.6L carb is comfy AF.
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>>16222474
Infiniti tech here. Dont get rid of it. If you maintain it well, it will last forever. Except for the audio units. They are garbage. Get a better head unit like you said.
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>>16222271
>dodge product
>80,000 miles
Your dad was correct and you should listen to his advice more often.
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>>16222299
This is because you're a fucking fool.

I'll gladly take the car that's done 25,000 miles a year over anything else because delicious highway miles are what cars love
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>>16222553
I have a Kenwood dnx6960 in it atm but there's no Bluetooth audio
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>>16222566

>I'll gladly take the car that's done 25,000 miles a year over anything else

You like old fleet cars too?

I used to do 40k miles/year in my old company car. Maybe 10% of that was highway miles. Back roads and dirt roads all day every day, for 14 hours a day. The car had like 160k miles on it when I left, and it was about 5 years old.

Amazingly enough, the company is still using that car 2 years later, just saw it driving around the other day.
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>>16222566

Low gear high torque vehicles, like Crown Vics and Cummins diesel trucks like highway miles.
High gear low torque vehicles, like mazda miatas and honda civics do not.

I would rather have the latter cars, the more sportier ones, in low mileage. Undriven. Garage kept. Fluid changed every few months than something overdriven, over modified, over sat in any day.
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>>16222456
my cars have barely any rust on them at all.
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>>16222025
>>16221996

You guys are both retards. It doesn't have anything to do with feeling or looking poor. Some people just don't want to drive the same piece of shit for 10 years. It's demoralizing.
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>>16222299
>over 100k miles trash
*breaths in deeply* boi!
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>>16221943
Dad is one of those that buys new cars about every three year and new houses every 10 or so.

His reason? He budgets everything to the penny for years in advance and hates unexpected costs. The way he controls costs is by having everything possible new enough to have a known payment with a warranty or at least unlikely to have a failure since it's so new.

DESU I think he has a point. I've tried to live my life the other way with no real budget, no payments, fixing shit as necessary and what I've got out of it is a bunch of old busted shit while he's in a new condo with a couple of nearly new cars in the garage. OTOH all my stuff has "character".
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Ex-dealership fag here.
Normie's dont appreciate cars except as things that take them from A to B. I constantly would hear about people saying they're going to sell/trade in their car before x major maintenance is due. Or before they have to buy new tires.
(Because paying $500 once is less feasible than paying $200 every month?!)

One day I overhead this lady screaming (note: this dealership is in south florida)
>HOW CAN THE BATERRY BE DEAD ITS 2016 REEE
>service advisor attempts to explain its normal after 3-4 years in our weather
>REEEE REEEE ITS 2016 HOW CAN THIS BE HAPPENING
>THE BATERRY NEVER DIED ON MY OLD GM REEE REEE REEEEE
Normie's just dont understand regular car maintnence/costs.
They constantly insist things just "have to" be under warranty, even when its just regular wear stuff like tires etc.
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>>16222678
>trying to justify the social problems that keep poor people in their lower class
kill yourself.
>>16221943
I've seen people buy two or three houses over their lives. Not just buying them and renting previous houses they now own. But selling the old house, buying the new one, and continuing to pay mortgage.
Some people upgrade their car or house - move up to a more desirable model. Sometimes it's to hide that they're poor. Because being poor is shameful in our society. That cancer needs to stop. Some people get caught up with the Joneses, and they keep buying new things they don't care about. Just to impress people they don't like.

All of it is a shitty excuse to keep buying new things. If someone doesn't actually care about their car, then why buy a new car? Just maintain your current one. If your life changes, like if you get kids, sell the car and buy a minivan. But really, there isn't much of a real reason to sell your car and buy a new one.

Cars don't stop magically working after five years. If you bought the extended warranty, you should have it taken care of at every slight problem. If that car was cared for, it should last another thirty years if you begin neglecting it.

We've still got shitty cars from the 1950s that aren't engineered as well as cars we have now. The vehicles we're driving could theoretically become generational machines, if people were to just shrug off the shitty notion that they need NEW BETTER NOW.

These days, even a 100hp shitbox can pull up a hill. And start on cold days. You're going to be doing bumper to bumper traffic and some highway passing with most cars, most of the time. So the "newer faster better" car isn't really worth your money. Unless you plan to hoon the thing.

And by all means, buy a car for hooning. If you're concerned about performance because you want to do illegal stuff, then go out and buy the hoon car. Upgrade to better hoon cars if you can get substantially better cars.
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>>16221943

> Why do normies love monthly repayments
0% interest is free money

> idea you gotta upgrade your car every 5 years
Mechanical parts wear, daily driven cars rack up miles.

Why is trading cash for the convenience of not being stranded on the side of the road in a shitbox a concept poorfags cannot comprehend?
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>>16222788
>0% interest is free money
But Dave Ramsey say all debt is bad all the time. Even if they're giving it to you for free and you're paying it back with devalued dollars due to inflation making it such that it's like you're actually getting paid a little bit to have that loan, it's still a debt and therefore the worst thing EVAR.
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>>16222837
Who tf is Dave Ramsey and why would I care what his obviously stupid self says? Debt is literally a godsend.
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>>16222788
The big thing is after 5 years the factory warranty is either gone or just about to go and there are a few modern cars that seem to be designed to fail just outside of the warranty. For instance the V10 M5 as soon as you start to get over 75k miles it becomes a basket case, timing chains issues, oil pump issues and rod bearing issues. Same goes for audis with the 4.2 v8 once it hits 100k miles you might as well rip it out and use it as a boat anchor because the timing chain will have chewed though a good chuck of the block.

Most of the lower end more normal cars don't have problems like this and can easily go for 200k+ miles but what I think happens is people hear the horror stories of their rich friends RS4 eating it's self and they start to worry if their honda civic will do the same thing, because they don't understand the difference in construction between the 2.

I currently have one of the problem children cars that can't be trusted outside of the factory warranty much, but I'm still on the fence if I'll get rid of it when the warranty goes since not so much the engine that starts to have problems but the transmission. If ford comes out with a 5.0 ecoboost raptor or if the new toyota supra turns out to be really good that might help sway my decision.
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Hoping I'll be able to drive my first car for the rest of my life. Will have a different car only when I'll be able to afford a second car.
>>
I'm just ready to buy an "adult car" that has...

FOUR DOORS FOR MORE WHORES
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>>16221996
Pretty much this. I heard someone say before that only poor people drive new cars. People who are wealthy feel secure in their position and will drive whatever they really want to.
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>>16223024
>look at this poor fuk
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>>16221943
because it comes with a 5 year warranty?
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>>16222867
He's a conservative activist and financial advisor. Tells people to avoid debt and get out of debt as fast as possible.
Despite him being a right-of-center piece of garbage, he's not wrong about debt.

A system of payments can help people afford things normally out of their means. Like a house or a car. Which is good. But houses are seen by him as good investments, because they appreciate.

Cars however always depreciate. And his advice is almost always to buy a low value, reliable car. So you can save on the big money pit that is a car, and move that money to things that will give you a return on investment.

Sensible stock investments, education, land, and other things, are considered good by Ramsey.

Look his stuff up, along with Warren Buffet, and look up a few of the guys on these podcasts.
http://www.forbes.com/sites/robertberger/2015/09/05/7-investing-podcasts-you-should-download-today/#11a1221035da
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>>16223067
The ''they are safe and reliable'' meme car?
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>>16222837
>>16222788
Even if you are getting an interest free loan you are still spending unnecessary money to but a new car.
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>>16223120
This. If you're going to buy like that get something from the place's used lot two or three model years behind so you get hit with way less depreciation, then go hard on the down payment and your trade value is applicaple. Always negotiate trade LAST.

If you can, get from somewhere that you know an employee, and buy from a salesman they know personally so they have a line of accountability with someone that can bother them regularly.

t. Stealershit parts warehouse monkey
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>>16223088
What a misleading image.
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>>16222366
>owning 300 cars in a lifetime

That sounds fun
You've convinced me anon
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>>16223034
Your average person would never touch a 20+ year old car. People who have money also have the time and resources for problems with older cars to not be an issue to fix. They also don't care about "looking" poor for driving an old car because they are secure in their position. Poor people buy new cars to appear more wealthy than they are
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>>16223146
What a completely different car.
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>>16223178

>Poor people buy new cars to appear more wealthy than they are

Not really, no. Poor people buy new cars because they can't afford unexpected repairs. I don't think anyone really buys a brand new Hyundai Veloster to look rich. They buy it because if the motor blows, or the caliper seizes, or the cooling system shits the bed, all they have to pay out of pocket is the monthly payment, and they'll get out of it just fine.

If you're poor and living paycheck to paycheck, a new or slightly used factory warrantied car is about the best investment you can make if you want to get to work on time every day. Sure, a used car out of warranty will get you there, but a poor person will never have $800 sitting around for if/when a CV shaft breaks, or the transmission starts slipping, or a head gasket goes out. But tell them to pay $150/month for the next 60 months, and they'll make it happen.
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>>16223058
I forgot to add that debt is essentially lighting your money on fire. Renting a house is lighting money on fire. And if you're going to light money on fire, you should probably have reasons to do it.

Like if you're lighting money on fire to get more money (education, house, investments that appreciate), you're generally going to positively impact your life.

But if you're lighting money on fire for poor reasons, you're just lighting money on fire. Leasing a car is essentially lighting money on fire, and should generally be avoided. Renting a home is useful if you don't want responsibility over a place, only want an apartment for cheap living, or plan on moving at some point.

Buying and replacing cars constantly is repeatedly lighting money on fire. And it's a poor financial decision regardless of your income.

So here's another level to the discussion on debt and poverty. It's expensive to be poor. Poor people often can't afford to do something that's financially easy. Like buying a new car with an extended warranty. Or buying a car at the lowest point of rapid depreciation. (five to seven years old)

So you end up with one of two things. Either the person keeps buying cars at the lowest point of complete depreciation and just driving them until they're scrap, or they buy a car and trade it in at a major service point, and roll the loan into the next car.

The first is sometimes fairly sensible. Buying shitboxes and running them into the ground, towing them when they're scrap, is not necessarily living outside your means. The second, however, is malicious. It's a system that keeps poor people lighting money on fire. Which keeps them in debt, which prevents them from living inside their means. Which keeps them down in the dregs of poverty.

This is why you should never buy a car with a high interest loan, like the ones dealers offer outside certain sales. This is also why you should shop around for loans.
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>>16223215
>if the motor blows, or the caliper seizes, or the cooling system shits the bed
People are aware that stuff like that could happen to their brand new cars and they still buy them?
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>>16223160
Anon...
>>
I've had friends literally putting themselves in debt to get a pre-owned, newer car or truck for $20k or so.
Spending over well over a quarter of their income on financing it. Talking plans higher than house rent.

Fuck that. Idgaf. I'm working on my school and career currently.
Financing or leasing a car can come after I already mortgage a fucking house.
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>>16223196
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>>16223252
What are you about? They are supposed to crash on the front corner. Also it's not about what you see but what the test results are. And the results for that Corolla weren't good.
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>>16223288
Funny fact - the makers of that car didn't think that the maximum rating of five stars were good enough for their car cause euro ncap test cars only with three crashes and don't test how stable they are on the road, while Saab did more than 20 crash tests while developing their cars.
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>>16223215

And this kids, it the mentality of a poor person.

Excluding very very rare situations, the problems you listed are all completely avoidable with proper maintenance and care.
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>>16223325
Unfortunately the masses of consumer normies don't care about safety that much and Saab died.
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>>16223325

Saab jerked of to high rating safeties. That among other things, was one of their coffin nails.

Just like GM told them to pretty much use the Vectra platform and redesign new panels and they completely flipped them off and redesigned almost 90% of the car. Obviously shooting the costs.
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>>16223237
Costs them jack shit if it does.
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>>16223362
>Hyundai Veloster
Except their dignity, if they have one?
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>>16223362
Lol yeah buying a new car is actually a great investment if you have any business sense and know how to trade up without tearing up your fucking ride on the way.

Busriders taking their moms Kia to Jiffy Lube and getting upsold on windshield wipers need not apply.
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>>16223160

>100/3=300
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>>16221943
I'm currently financing a slightly used car because my 15 year old shitbox kept breaking, was wearing the shit out of the ball joints in my shoulders and hips, and was a pig to work on. Current car is comfy as fuck, doesn't randomly break for no good reason, and is cheaper to pay for than the old car was to fix, AND uses less fuel into the bargain.
When it's paid off, I'm keeping it until it starts to go wrong, but before it devalues completely.

I used to live in an older house. It was shit; too cold, shit wasn't done right, decades of other people's DIY resulted in a third bedroom the size of a closet, and the plumbing wasn't reliable.
Newer, more modern house? Warm as fuck with proper insulation, heating that actually fucking heats the fucking house by heating the air centrally and blowing it through vents, the heating can be run backwards for airflow and to scrub the air of pollen and smoke with filters, and the rooms are a decent size.
And nobody's ruined it with taking down walls and adding walls.
>>
>>16223356
>not obeying for demand of shity, cheap cars
And how is that a bad thing? Other than it was an impossible car for this world of marketing..
>>
>>16223344

Yep, because Subarus never had head gasket issues. Fiesta automatics are dead nuts reliable. Coolant is good for the life of the car. Timing belts never wear out. Moving parts never get worn or stuck, and all automotive shops obviously take the time to properly clean and lubricate every nut, bolt and greasable component when they do a pad slap.

Every car is going to have issues at some point during the life of the car. The difference is, with a new car, you don't have to suddenly come up with $1k for a timing belt, or $3k for a motor, lose your transportation for a week and your job the week after because of it.

On a fixed income, or where there is very little wiggle room in the budget, especially for someone who doesn't know much about cars, some sort of newer car with a factory warranty will always be the safest bet. 5 to 7 years is plenty of time for the previous owner(s) to fuck up something expensive, and depending on the mileage/make/model of the specific car, it may very well be getting close to needing major maintenance, which the average person will have absolutely no clue about.

I can understand not wanting to take a massive depreciation hit, and I'm not advocating going out and buying a brand new car with a 10 year 20% interest loan, but for the average consumer, a 2 year old Hyundai is probably going to be the best investment they'll ever make.
>>
Money does you no good when you're dead.

Some people imagine that they want to create a dynasty of sorts - they'll build a ton of wealth and leave it to their kids so that they'll build an empire for the family name (eventually).

Others want to enjoy their life to the best extent that they can, so they try to ensure that they'll have enough to retire comfortably and leave something for their kids to start off from, but they spend the rest.

Money is just an expression of value, you have to remember that. People that are willing to spend money on cars or homes or boats or whatever the fuck means that they value those things - at least enough to spend a certain amount of money on them.

/o/ should be uniquely able to understand that. Lots of people think you're either crazy or just compensating for something when you buy any car that isn't just an appliance - but you spend the extra money, sweat, and frustration because it's worth it and you ultimately enjoy it (even if it pisses you off sometimes).

The real problem comes from people not actually understanding what I described above and the real value of money. Financing a $35,000 car is fine, you just have to understand how much it's ACTUALLY costing you - not just in terms of how much you're paying in interest, but also the opportunity cost of not being able to use that money on something else.

The same applies to people who somehow think that a dollar is a dollar and that you should only buy what you can pay for in cash. I mean that's fine too, it's really just a different kind of financial planning/money management philosophy, but there are costs to that as well. As another anon helpfully noted, cash that you're saving up or spending all at once on something is cash that you aren't growing. You could be investing it and getting interest, but instead it has been losing value due to inflation and now it's all gone all at once anyway.
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>>>16222222
>>
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Literally everything a normie does is because they care what other normies think of them. They dress nice and wear makeup and get regular haircuts to impress random people they aren't even trying to fuck. Their car is an appliance and a status symbol, if they have anything older than 5 years then other normies will think they're poor or something, even if it's well-kept.
They actually think that $300 a month for a car payment on something with low miles is better than the occasional repair, because to them, having to leave their car at a mechanic for a day is the most emasculating thing possible. Even though they really don't give a shit about the car.
It's the social stigma of having something broken and being perceived as having less worth. They can't fucking stand it. Normies will always replace things with something brand new instead of spending less money to fix their broken version. They buy a new phone when the screen cracks even though the screen repair only costs $50. They buy new washers and dryers when they just need a thorough cleaning. They spend thousands on entirely new sets of furniture because their cat scratched the corner of their couch, instead of just having it re-upholstered. They feel fixing broken things puts them on the level of blue collar workers and rednecks. Buying new shit to replace minor problems is saying "hey look at me, I'm a valuable member of society, I contribute to the economy and I'm a good mating choice because I can buy new things for you too." When really, it's the absolute most shallow way to measure one's worth. Someone who can fix things when they break is far more valuable.

These people also tend to have jobs that only exist because of ultra-capitalism, and have no real skills. Accounting, logistics, call center workers, customer service, it's all basic shit anyone over the age of 18 can master in a week. This explains their fervor for needing to feel false self-worth, because they are actually worth nothing.
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>>16223409
>The difference is, with a new car, you don't have to suddenly come up with $1k for a timing belt

Warranties don't cover maintenance.
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>>16223058
>A system of payments can help people afford things normally out of their means.

> Hay guys I take all my financial advice from the internet, listen to me I have important news to share!

I bought a new car that I could of paid for with cash but took the 0% finance offer. Having a shit ton of extra cash sitting around to invest during the terms of the loan was pretty nice.

But fuck me I'm not some rambling goon with an internet talk show so fuck me right?
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>>16223120

The cost difference between new minus incentives and late model cars with some remaining warranty or a CPO warranty is not as big as you think it is. Factor in wear items that will need replaced as well.

New is more expensive but not a staggering amount.
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>>16223518

They do cover sudden failures though, and it's unlikely that you'll be hitting 100k+ miles on a 2 year old car while still within the warranty period.
>>
>>16223534
Your situation was different. You purchased a car you could have bought outright, with a loan. Which you then obviously used to improve your credit score. And at any time you could have bought that car instead of making payments.

Payments can be useful, for example, for a man just starting a trade job who needs a pickup truck or cube van to work out of. Especially if your trade takes a lot of expensive tools to do. Which you can also buy on loans.

If that tradesman needed to front for his complete toolkit and transportation instead of buying on a loan, he would have a substantial financial obstacle to hurdle first.

Also Ramsey has been on radio, newspapers, television, and has books. But hey he's on the internet, so that automatically means he's false, amirite?

The internet is the extension of our previous mediums. It's still your responsibility to make correct decisions about the media you consume.
And as for the podcasts, getting endorsed by Forbes is a pretty big deal.
>>
>>16223409
>$1k for a timing belt

On one of my cars a timing belt job costs about $1.3k at the dealer with parts and labor, and that's an extremely expensive timing belt and and engine pull job with an interval of about 20k miles.
Where are you from that it costs $1k to do a timing belt on a normie tier car?
>>
>>16223325
>>16223405

you fucking saabautists are insufferable

kill yourselves
>>
>>16223575

Because it's usually never just the timing belt, it usually also involves the water pump and maybe a few other things as well. People just call it the timing belt service because that's the major item, but while you're in there you're basically saving on labor costs to just have a few other things replaced quickly while things are torn apart.
>>
>>16223575

desu it was actually a timing chain, which was supposed to be good for the life of the car, which was apparently designed to be ~110k miles.

Vermont
2004 Cavalier
Timing chain/rollers/guides replacement
About a full day in the shop, I forget how much in parts, bill came to ~$900. Private shop at that, labor was $65/hr IIRC.
>>
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>>16223570

> Your situation was different. You purchased a car you could have bought outright, with a loan

0% interest without cash to pay it off is still free money, this is economics 101.

> Which you then obviously used to improve your credit score.

Credit score has been 820+, I dont need to "build credit".

> Also Ramsey has been on radio, newspapers, television, and has books. But hey he's on the internet, so that automatically means he's false, amirite?

Well clearly anyone with those credentials has never been found to be completely full of shit. I feel so foolish for not taking free financial advice from the internet.
>>
>>16223237
Warranty = free repairs

>>16223344
Proper maintenance and repair costs money. Warranty, service plan, and new car with no prior wear mean less money out of pocket to keep it on the road.

Normies don't want to do maintenance, they don't want to think about maintenance, and they sure don't want to pay for maintenance. They should, but they don't.
>>
>>16223215
>a poor person will never have $800 sitting around
They would if they didn't shit it all down the drain with an expensive car.
>>
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>>16223237

I bought a new car. When it had a problem I used the free roadside assistance that was included in the warranty. I was dropped off at the dealer and they had a loaner car waiting for me.

Total out of pocket: $0.00

Time wasted ~1hr between waiting for the truck, traveling to the dealer, and dropping the loaner off when my car was fixed.
>>
>>16223653

>They would if they didn't shit it all down the drain with an expensive car.

Nope. To a poor person, the account balance is the budget sheet. Have $200? Spend it until you don't. You always wanted those shoes, you absolutely can't live without that jacket, and that movie looked really cool in the previews. Plus your friends are going out tonight, and your kid has been asking for that toy for the entire week.

Poor people don't know how to save. They just want that coffee in the morning. I mean, it only costs $3, and what's $3 in the long run anyway?

But give them a bill, and they'll pay it. They might scratch and scrounge to come up with the money, they may have to forego the morning coffee, but by the powers, they'll pay that bill.

Ask that same person to save up $50/week, and it'll never happen. Something will always come up, or they'll forget, or they'll slip into a habit of buying some useless $2 thing every day that they were doing just fine without the month before. And it's only $50 anyway, and what will $50/week ever save up to be?
>>
>>16223588
I'm not even into Saab cars. But I'm wondering why one would feel that way. Might it be that you're just a dumb person that likes to scream out stuff and doesn't see any significance for stating facts?

>>16223624
Someone who isn't interested in quality and reliability.. I'm wondering how did a person like that ended up in a car forum. People like that are to blame for the fact that most of the new cars sucks.

>>16223714
>I bought a new car.
Yet you don't seem comfortable to mention what car is that.
>>
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>>16223747

> Yet you don't seem comfortable to mention what car is that.

Does that matter?
2015 Ford Explorer (Ecoboost)
>>
>>16223714
I bought a pre-owned car. I found the perfect match for what I wanted, including the fact that it was kept and maintained really well. Hitchhiked with a friend to another country to get it. Had an awesome trip. Total time spent ~ a week. Just did the second technical inspection, faults found - none. How many cars the same as mine I see on the road - none. Does it make me smile - very often. How much I spent for it? Less than a price of a brand new shitbox.
>>
>>16222299
LOL
>>
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So would it be dumb to buy a used car like a Scion tC (also known as fuck boi tc) at a steallership to build some credit?
>>
>>16221943
I used to drive old cars and had to worry about repairs & maintenance. Now I don't. If I have the money to make it so I have fewer things to worry about, why wouldn't I?
>>
>>16223715

Is it bad that I started up smoking since ei realised I don't do anything else with my money since no friends lifestyle.

I save 2/3 of my wage and the other 3rd is my living expenses.

smoking is like the only other Mini pleasure o get. don't eat out or anything
>>
>>16224561
you know you get more radiation exposure every year from smoking than radiation workers can legally get in the US
that's one reason you'll end up getting cancer
why not eat good ass food instead if you need a reason to blow your money
or buy a nice house
>>
>>16222740
Everything I've wanted to say for a very long time.
>>
I'm searching for a car. I'm debating with myself should I look for brand new one for the first time. I have 6k euros ''on hand'' and my monthly income is 1.2k after taxes. I want something decent, preferably with four doors and 200hp at least. Was on a dealership to check out Focus ST and the interior made me a bit sad. What could be other options for me? I'm German btw.
>>
>>16224590

>why not eat good ass food instead

Because then you'll get fat as fuck. Better to be skinny, smoking and otherwise relatively healthy at 25 than it is to be 400 lbs at 25.

>or buy a nice house

Houses suck, especially big houses or older houses. Anything remotely modern will have been thrown together as quickly as possible by the lowest paid workers the contractor could find. If it's brand new, you're going to have problems, and chances are when you signed the deal you agreed to not sue over them, which means your nice new $250k house that leaks water through the kitchen ceiling whenever you flush a toilet is now your problem, and your problem only.

Home automation? Relay will burn out. You won't know which one. You'll get bit by 120v or better about half a dozen times before you shell out $1500 to have the home automation guys fix it.

Older home? Get ready for a $5k bill when the roof starts to leak. Or about the same when the septic shits the bed, and you find out the state regs now ban your type of system, so you have to install a new one instead of just fixing your existing one.

Oh, and if you're buying a house that someone else lived in before, as in not brand spanking new, get ready to try and figure out just what in the fuck Joe Homeowner managed to do that makes your bedroom lights flash whenever someone rings the doorbell.

Having lived in and repaired various problems in several different houses, I am wholly against owning one if at all possible. If you're in the trades, know what you're doing, and for the most part build it yourself or hire guys you know are decent people, sure, buy a house. If you work 9-5 in an office somewhere, just rent a fucking apartment, and for the love of god leave the repairs to people that know what they're doing.
>>
>>16224634
I will never understand why people pay rent and refuse to buy.

But eating good ass food =/= lots of food. Get yourself a prime rib instead of some nasty ass cigs. Or fresh fish. You'll feel a million times better and you won't have to worry about dying early
>>
Have a yaris which I inherited from my grandparents.

stupid for me to get another car? A manual one at that even if I don't know how to drive manual since I've always had the yaris?

should I go new or 2nd hand?

the yaris is in good condition.
>>
>>16223850
>including the fact that it was kept and maintained really well.

How do you know that? Just because the dealer waxed it and told you it wasn't abused doesn't mean it wasn't.

Unless you tear the car apart completely or go through the cars entire "black box" history you'll never really know what happened to it.

Knowing it was never romped on is worth the "deprecation"
>>
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>>16224651
>no responsibility over the house
>don't have to replace things when they break
>can't save for rainy days because you're poor and living paycheque to paycheque
>can just call the landlord to deal with bugs, broken toilets, heaters, leaky roofs
>don't plan on setting your roots in your current town
>>
>>16222740
>If you bought the extended warranty, you should have it taken care of at every slight problem.
The dealer will resist this every time. If you insist, then they will hold the car for two weeks, then claim the slight problem is fixed, having done nothing.
>>
>>16224788
That's when you bend them over and fuck them bloody.
>>
>>16224773

>paying your landlords mortgages while he's fucking sluts in mexico

You can't compare cars and houses, they're completely different. Houses hold their value or appreciate unlike 99% of cars. Renting is fucking retarded.
>>
>>16224719
>How do you know that?
I'm not blind. Bought it from its second owner. He was an older German guy. Most definitely was a fanatic in some way if he hung to it for such a time. I could even look up when he bought it in the service history. Anyway, it has more than 260k km on the clock and I did my second inspection a week ago without a single fault.
>>
>>16224807
>Renting is fucking retarded
because everyone is in the position to commit to a 250k+ mortgage.
whether they cant afford it, plan on moving around a lot within the next decade, keep getting refused by banks, whatever whatever there are lots of reasons why someone would rent instead of buy.

fuck off kid you are clearly clueless of the world outside of your mothers basement.
>>
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>>16224807
All those reasons are reasons for renting. Plus you've got
>can't afford to buy a house
>can't afford the mortgage to buy a house
It sure would be nice for me to have grown up in a rich home which owned the house, so I could just walk into owning my own damn house after getting out of college, into a job I could easily get.

But no, that didn't happen. I grew up poor, my family has shit credit. I am paying my own damn way through college to attempt to get a good job.
After that, I buy a house.
Before that, I light money on fire by renting. Because I am not able to afford a house.

But hey, renting's dumb, amirite?
More like "renting is a problem with private house ownership. Forcing people to pay rents to live in a house, constantly lighting money on fire, prevents them from using their capital to invest in themselves and thus get out of poverty".
>>
I love Emilia Clarke, I don't get the meme behind her hatred on /tv/
>>
>>16224793
Sounds like great fun but it's just easier to not purchase the scam warranty.
>>
>>16224807
>Houses hold their value

Buy house for $250k, pay it off years later, sell it

wow it's worth $1mil now, how smart was this investment.

wait, now I have no where to live and houses are all going for at least $1mil these days.....

well at least I mmmade a profit right to buy this other house I'm living in now.

seriously though I never understood this Normie Boomer logic

a house is only good if you don't see it as an investment but an asset and don't plan onoving anywhere else.

what's the point of selling it for a "profit" if the new house you will be needing to get will cost just as much.

I can only seeing it being an investment/profit maker if you are already a rich fuck who can buy and flip houses in a relatively short amount of time. not fucking 30 years.

that is unless you are some old fuck who sells the house then rents for the last 10-15 years of your life and enjoy a good chunk of the money from the house sale.
>>
>>16224807

They're all valid points though. When pretty much anything breaks in a house, it tends to be pretty damn expensive.

For someone making just barely enough to get by, owning a house is a terrible idea. At some point, the roof will need to be replaced. No questions. Be it metal, asphalt or slate/tile, something will go wrong while you're there. Water heaters will need servicing or replacement. The furnace will require the same. Floors will rot or squeak, carpets will wear out, walls will need repainting, plumbing will go out, outlets will go bad, literally every component of the house at some point will have an issue.

Renting takes all that away. It is now suddenly not your problem at all. You don't have to worry about any of it, it's all taken care of. If you're barely getting by, it allows you to establish a set amount each month to set aside for living expenses, and that stability could potentially allow you to save up enough money to stop barely getting by. Whereas with a house, just as you're getting a nest egg, the roof can shit the bed and now you have nothing all over again.

Some people need the stability, so renting makes sense for them. Other people enjoy buying things that break repeatedly and often, and enjoy paying other people to fix them, so they buy a house.
>>
>>16224850
You could sell the millyun dolla house and then buy two houses for $300k, move into one and rent the other to pay your mortgages.
Of course this only works if you bought your first house early.
>>
>>16224850

Lol this, my parents keep going on how amazing it was that their neughor sold their house for $380k a couple of years back when they 'only' paid $120k back in the 90s for it.

umm...how is that profit if their new house they moved into would've cost just as much or even more.....
>>
>>16224850
>what's the point of selling it for a "profit" if the new house you will be needing to get will cost just as much
you buy a run down house, renovate it, sell for 1.5m
or move to an area where property values havent skyrocketed

most people who invest in property just to sell for a profit usually have somewhere else to live
>>
>>16224821

80% of the time a renter could afford a mortgage but they're lazy and keep renting.

>>16224826

You could of been smart and got paid to go to trade school but nooo you had to piss 60K away on a useless degree. Poorer people than you have become rich and successful.

>>16224850

Who the fuck told you to play musical houses every 10 years? I guess it's impossible to get rich off of real estate like trump and thousands of others?
>>
>>16224863
like I said, it only works if you are some rich fuck who can flip shit in a few years time and already have multiple properties

not Mr average Joe who finally paid his house off after 25 years and is looking to sell it for a "profit" which won't mean shit since by then houses all around would've inflated that his "profit" most likely wouldve even be able to pay off the property he is now moving into.
>>
>>16224807
>Houses hold their value or appreciate unlike 99% of cars.
top kek

you have clearly never owned real estate. houses are a depreciating asset. they require maintenance, and even if you choose to skimp on that, at the minimum you need to pay property taxes. the only way you are likely to make money on selling real estate is if you manage to buy in an area that becomes hot in the future (largely unforeseeable) or if you buy cheap and flip. not to mention that you as the seller cover the fees for both the agents as well as a lot of the closing costs, so even if you sell for the same amount as you bought you won't get the same amount of money back, not to mention the years of money dumped into maintenance and tax payments.

this is why multi-unit housing is usually owned by the same owner for decades. renting out is more profitable than selling.
>>
>>16224857
>buying piece of shit properties
not the guy saying renting is retarded but buying shit properties without intention of fixing them up is actually retarded.
not like any of that shit is expensive to fix anyway, mortgage is much cheaper than rent on an equivalent value property so forking out $400 for a decent used water heater every 20 years is nothing.
>>
>>16224862

>how is that profit if their new house they moved into would've cost just as much or even more

They moved into a smaller house and/or to a worse area. Or they bought a shittier house.

A lot of people do that. They buy a house, have kids, live the dream, then once the kids are gone they sell the 4 bedroom 3 bath goliath they were in and move into a nice little 2 bedroom ranch to retire in.

>>16224863

>you buy a run down house, renovate it,

Don't do this unless you have at least some idea as to what you're doing. Quite a lot of people make a living fixing shit the average homeowner fucked up when they were "renovating".
>>
>>16224883
No one became rich and successful on a simple trade. They became well off and comfortable. But by no measurement will they be rich.
And I'm not going for rich. I'm going for comfortable and secure. The capitalist rat race is cancer. I'm outsky. Once I have my house and daily driver, I'm getting my classic car. Then I'm going to roll back my work hours and balance my personal life. The less I have to work, the better off I am.

And that's where education and investing in myself comes in. I've got a decent overall plan and objective. I'm making that happen.
>>
>>16224883
>80% of the time a renter could afford a mortgage but they're lazy and keep renting
lol, nice citation

>>16224893
or it works if you have a steady income and already have a decent amount paid off your first mortgage
banks let people take out multiple mortgages all the time

>>16224896
>houses are a depreciating asset
stop posting

http://www.dailytelegraph.com.au/realestate/news/sydney-nsw/inner-west-house-prices-grow-by-1-million-in-10-years/news-story/3be0b4f3c87ec344debf4d5d014a198a
>Research shows median house prices in Ashfield, Burwood and Canada Bay councils grew almost $100,000 each year since 2006
it doesnt cost 100k a year to maintain a 3 bedroom house
>>
>>16224922
>.com.au
feel free to fuck off and take your chinks "investors" (market manipulators) with you.

also, i know you ausfaggots are retarded, but you should know that three of what i imagine are the hottest neighborhoods don't represent the market as a whole, not to mention that i covered that in my post but you were probably too retarded to get that far before you got distracted.
>>
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>>16224933
>don't represent the market as a whole
inv4 excluding 'hot cities' is a thing
>>
I take pride in owning the base models of cars that hold value well and keeping mine fresh so in 10 years when I don't want it anymore I can sell it for ultimate resale value nd buy my dream car.
>>
>>16224897

A 10 square roof, asphalt shingles, goes for north of $3k. Ask me how I know.

Water heater, installed, $1500. Bad heating element? $200 minimum. Common problem if you use well water that has a few too many minerals in it.

Furnace, serviced, $400. Every other year. Incidentals, like bad nozzles or a burned up fan, extra.

Service call for electrician or plumber, $65 minimum, goes up from there, and that's with the shittiest contractor money can buy. Decent guys start at $90/hr.

Water pressure tank replacement, $1200 installed.

This was in a 10 year old house, which I lived in for about 5 years. Not by any means old. For those who know, the shingles were organic and peeled, which was why they had to be replaced so early.

>$400 for a decent used water heater

Good luck with that.
>>
>>16224850
Leverage your asset before selling and than roll over profits into more property tax free.
>>
>>16224969

Where the fuck do you live? You're paying 2-3x way too fucking much. If you own a house you should be able to fix most things by yourself. Unless you're one of those beta fucking numales who's tool collection consists of a $50 Walmart tool set.

Furnace "Tune ups" are a fucking scam, change your filter often and you don't need to worry. Hot water tanks go for $400 new all day. Roofing is pretty bad but a good roof will last 20 years.
>>
>>16224969
a roof needs replacing every 30 years at least. ask me how i know.
would you rent a house that is leaking water like crazy? no, you wouldnt. and you wouldnt buy one in such disrepair unless your intention is to fix it. your argument is irrelevant.

>10 year old house and needing to replace the roof and water heater
your fault for buying something built by high school shop students

>$400 for a decent used water heater
not knowing people baka

>furnace
what is this, 1907?
>>
>>16224999

>If you own a house you should be able to fix most things by yourself.

I do. Those are quotes that I got before saying fuck that. For the average person though, shingling a roof is something they want absolutely nothing to do with.

>change your filter often

What filter? Mine goes straight from the tank to the furnace, unless the filter is underground with the tank.

>Hot water tanks go for $400 new all day.

Small ones, yes, and that's brand new. That's why I said "good luck" with buying a $400 used one - it makes no fucking sense and really goes to show just how out of their depth the poster was.

I live in Vermont, where everything costs 2-3x more than it fucking should.
>>
>>16225032

>you wouldnt buy one in such disrepair unless your intention is to fix it.

So you regularly go up on the roof to feel if your shingles are getting brittle, and it's part of the inspection you did, presumably before you bought your current house?

>not knowing people
>not just buying it new

>what is this, 1907?

You heat your house with hopes and dreams or what?
>>
>>16225041

What filter?

The air filter. Oil burning furnaces are a 100+ years old and haven't changed much, it shouldn't be that hard to change nozzles and whatnot. I don't know really we use natural gas here which is pretty much maintenance free.

A 50 gallon HW tank is $500 CDN at home despot and that's a little high.
>>
>>16225041
>That's why I said "good luck" with buying a $400 used one - it makes no fucking sense and really goes to show just how out of their depth the poster was
a decent continuous gas unit is 1k+ new... one stolen from a building site still in the box is a few hundred bucks

>>16225049
>not paying for a pre-purchase inspection or doing it yourself
>>
>>16222459
>It's salvage value is it's only value lel.
>>
>>16224922
It's the real estate not the house that appreciates.
>>
>>16223485
Upvote

Here's some gold, friend
>>
>>16221943
Planned obsolescence. Modern cars are meant to replaced after 5 years.
>>
>>16222944

>For instance the V10 M5 as soon as you start to get over 75k miles it becomes a basket case, timing chains issues, oil pump issues and rod bearing issues. Same goes for audis with the 4.2 v8 once it hits 100k miles you might as well rip it out and use it as a boat anchor because the timing chain will have chewed though a good chuck of the block.

Why on earth are these so called "premium" cars so shit when it comes to reliability? Isn't that what the owners are coughing up the extra dough for?

I get that cars can't be designed to run forever. Things degrade and what not, but there is a difference between a car degrading through wear and tear compared to a design fault.

These German engineers must be on meth.
>>
>>16226854
I don't think planned obsolescence really works when it comes to cars, dealerships have to spend out the ass when their new cars shit out under warrantee

It's hard to make a car break in 5 years but not 3
>>
>>16226878

>It's hard to make a car break in 5 years but not 3

Who is to say that they don't run a projection on how long something is going to last?

A good example is the plastic water pumps BMW used in the late 90s/early 00s. They get brittle and the propellers disintegrate from the hot/cold cycle, but not before well after the warrantee period is over.

Save a few shekels in the present and fuck over the second hand market.
>>
>>16226887
Well yes, but we're discussing why people trade in their car every 5 years
>>
>>16222588
you confused high and low gear you dummy
>>
>>16228402
He's not talking about high and low gear, he's talking about high and low gear ratio

The more appropriate term is wide-ratio and close-ratio however
>>
>>16223288
>two types of crash
>>
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>>16222300
>You always have a new(ish) car that has warranty on it and you dont have to care about anything else than the yearly inspections.
This. It's the reason I ditched my HEEP for a new car, it hit the point where you either scrap the thing or dump 3000 into it to replace half the shit it needs at 100k and I wanted nothing to do with that so I sold it.
>>
>>16224883
>80% of the time a renter could afford a mortgage but they're lazy and keep renting.
You're aware you need a 20% down payment on a house right?
>>
>>16222280
That a futura you posted?
>>
>>16230906

Yes I'm aware. Could put 60k into a down payment instead of an "arts degree" but noooo you HAVE to go to college so you can make $15 an hour at a job thats irrelevant to your degree.
>>
>>16225526
only worth it for the weight of scrap metal
.ie nothing
>>
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>>16221943
the truly redpilled realize you can get much more performance for a fraction of the cost out of a bike than wasting money on a new performance car
>>
>>16223485
>They dress nice and wear makeup and get regular haircuts
Its called having respect for yourself you fucking trog
>>
>>16231229
>arts degree meme
you mean dumping 60k into a fwd honda that only makes 220whp
>>
>>16224821
>250k
280 for 1400 sq feet in the ghetto 1.5 hours from work.
>>
Personally, I have a soulless shitbox (t. automatic corolla) that isn't fun to drive normally. There are a couple things wrong with it that I could fix, and I have fixed some of them, but the money I'm putting into it isn't worth it to me as in the end I'll still have a soulless shitbox. Also, between work and school, I have a very limited timeframe to work on the car and since this is my only car I can't afford to have the car out for a day or two or even 4-5 hours. By the time I finish work/school it's dark and I'm tired, I don't really want to put out the man hours to work on it.
I've replaced the shocks and struts as well as the spark plugs, and I've done the air filter and regular oil changes. The next things that need to be done are wheel bearings, brakes, and a brake fluid flush. I get an extremely loud humming noise that only gets louder with speed and it's been getting worse, which points to either brakes or wheel bearing and to be safe I'd replace both.

But those jobs require more time than I have, and when I do have time I'm too tired to do those things.

I would rather pay $200-300 a month to have a nicer shitbox that is fun to drive (t. manual) normally and I won't have to repair it for a couple years. By the time it needs repairs, I'll have more time available to work on it. Which is exactly what I'm trying to do.
>>
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12 years still going strong. I take care of rust a lot though.
>>
>>16233652

btw picture's from google obviously
>>
>>16223485
And there you sit, in mom's basement, with hair cut in the bathroom mirror because 'i dont care wat normies thikn', wearing piss-stained sweatpants and a hoodie you have to stop mom throwing out, complaining about how you're single and nobody respects you?
>>
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>>16233652
Wait, your '04 still has that old front?
>>
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>>16223160
>>
>>16222474
>paying to RENT cars


lmfao

your parents are stupid.
>>
>>16235512
people rent cell phones are you surprised by any of this.
>>
>>16222716
His lifestyle also requires a much higher paying job than your lifestyle though.
>>
>>16223714
>total out of pocket: 300$/mo

fixed
>>
>>16224850

Because if 25 years down the road you decide to move than that original investment you put into the house is still there so that you don't have to start over from scratch wherever you decided to move to.
>>
>>16222720
I used to work at Carmax and dealt with stupid fucks doing this all the time.
They'd trade in their older, maybe not the best looking, but FUNCTIONAL car for like 50-60% of what they could get at normal market value for a car that our techs didn't take a look at since we got it into the national inventory. I'd try to talk specs and basically bullshit about what car they went with, but nine times out of ten they didn't know SHIT about maintenance or even cars in general.
I have never taken an automotive, gunsmithing, or computer engineering course, yet I can build/maintain my computer and guns perfectly fine, and do most work on my car that doesn't require the use of a full lift or a torque wrench. I most of what I know on all of those topics through the use of online research, which only cost me time.

It's not hard to learn. It's almost like these faggots are WANTING to remain ignorant. They'd rather sit on their ass for half an hour while a tech does an oil change that you could teach a child how to do, pay out the ass for marked-up oil and filters, and pay for "labor" instead of actually working. I'm a lazy motherfucker myself, but I know that it's generally going to take me a hell of a lot longer to earn the $40-80 I've seen dealerships around here charge for their "premium full synthetic" oil change than it would be for me to pay $30 for some Castrol GTX and a good oil filter and work on my baby myself.

These fucking normies don't understand a damn thing.
>>
>>16222299
Found the MOPAR guy.
>>
>>16221943
>Why do normies love monthly repayments so much

Joke's on you, my repayments are weekly.
>>
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>>16221943
Why do you fags act like you ARENT normie peasants just because you are autismal over miatas?

>streams music on youtube
>runs the windows operating system
>cannot solve triple integrals or systems of differential equations
>does not play a musical instrument
>does not have any bitcoins
>"they are the nurmies, not me!"
Can I get a WEW LAD?
>>
>>16222280

because its a normal ass car... nothing to freak out over or anything...

I usually just think "oh pretty clean" and move on
>>
>>16235960
That's why I hate buying used cars from dealerships.
>>
>>16236163
Well I also did shit like take a customer's BMW 650i out for a joyride where I did 75 in a 25 and actually made the traction control work.
Same with a WRX STI, a 370Z, a Focus ST, and a 2015 Z51 package Vette Stingray.
Yeah, don't buy a used car from a dealership unless you want something that basically the entire staff that appreciates cars has had their way with it.

Also fuck carmax. There are so many fucking darkies working there it makes me sick.
>>
>>16235960
Yeah fuck used dealerships. I'll take my chances and shop around private dealers any day
>>
>>16236237
Agreed. Watching these kikes (even though they made a flat commission on every vehicle) get people into vehicles they don't need and can't afford disgusted me.
>>
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>>16222280
i love when i see older normal cars that arent necessarily special but have been meticulously maintained. gives me a wierd fuzzy feeling and a strange respect for the owner
>>
>>16222837
You're still spending into depreciation.

Can we post attractive women in cars now?
>>
>>16222271
>dodge
I would be too if I were him
>>
>>16222280
Nice car, not a fan of the spray painted rims though
>>
>>16221943
>normies

So /o/ is autistic?
>>
>>16221943
Eh, if you get a proper deal, it's not complete usury

See: 0% APR for so-and-so.

Inflation won't take ten bucks from you in the typical 12-24 month 0% time period

>>16222280
They think he wasted his time on inferior machinery if he can't immediately back up his passion with something novel about the engine design or handling

And since they're usually amerifat cars you don't find that very often
>>
>>16223088
How bad are new corollas?
>>
>>16221943
when you grow up, you'll understand that loans are the only way to get what you really want. Nobody is gonna wait 5 years to save up for anything, even though you think so now. In a couple of years, when you're not in 8th grader anymore you'll understand.
>>
>>16236092
>implying I don't have a masters in thermodynamics and a bachelors in mechanical engineering

Wow, dude you just get out of your calculus III class? How's that linear algebra treating you?

Also, most people can play some sort of instrument, macs are extremely common, and who the fuck listens to music on yt instead of spotify.

Get off your high horse kid
>>
>>16237539
>implying I don't have a masters in thermodynamics and a bachelors in mechanical engineering
aren't you just super cool
>>
>>16237602
Says the kid that was bragging about passing a basic calculus course
>>
>>16237607
that wasn't me man, that guy is a douche too
>>
>>16237450
>not wanting to be a debt slave is childish
:^)
>>
>>16237405
Who cares..
>>
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>>16237539
Yeah I passed calc III, like eight years ago
>implying I use a MAC
wew lad I hope you're enjoying those peasant tunes ripped in 120kbps formatted in .mp3
>most people play some sort of musical instrument
air-guitar doesn't count buddy
>>
>>16222788
>Let me just owe money, that will show the neighbors how not poor i am.
>>
>>16238369
I do
>>
>>16222271
I'd be nervous in the dodge at any mileage to be honest fām.
>>
>>16222975
Beautiful.
>>
>>16236116
How long can a normal ass car survive in our cruel world from the time of its sale?
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