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Crushing my soul all the way to the bank.
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# ? Mar 18, 2018 19:58 |
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# ? May 21, 2024 06:07 |
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Hoodwinker posted:Crushing my soul all the way to the bank. https://twitter.com/ja2ke/status/975471766305845248
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# ? Mar 18, 2018 21:51 |
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The left path leads to the glue factory.
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# ? Mar 18, 2018 21:54 |
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I feel like this must be in Vegas
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# ? Mar 19, 2018 01:40 |
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I F***ed Up (car loan) https://www.reddit.com/r/personalfinance/comments/85jvew/i_fed_up_car_loan/ quote:So I just financed my first car and my first payment is coming up. A little backstory when getting the car... I walk into the used car dealership and say im interested in the vw... Right away they hand me the keys and tell me to take it for a test drive. When i come back they asked if i enjoyed it and i said yeah, they then asked if I wanted to finance or buy. I replied with finance. They quickly started getting the paperwork together, gathering my information, etc. But first i told them i wanted to take it to my uncle to make sure it was a good car. as im gone they call me and say everything went through they just need my signature. I go back and sign and thats it. (at first i thought this was a little fishy but payed no mind because i was so excited about having my first car) So fast forward to now, my payment is coming up... they didnt even tell me how much i would be paying a month or any details of the car loan. I had to call them and ask. I make an account with the car loan company online to see how much i need to pay back. My current balance is $15,000 for a $6,000 car that i made a $2,000 up front payment for. The monthly payment is $300. I'm 20 years old, still in school and working a part time job. I know I've done something stupid and maybe the dumbest I could've done but when I was buying the car the only thing i was concerned with was the condition of the car and how i couldn't wait to get home. Financing never came to mind. Here i am now, asking for advice on how i should proceed.
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# ? Mar 19, 2018 15:58 |
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Don't deprive yourself of reading the comments on that post, either. They don't disappoint.
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# ? Mar 19, 2018 16:17 |
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Doesn’t the US have laws where every car finance agreement has to have a table that really clearly lays out THIS IS YOUR PAYMENT, THIS IS THE TOTAL LOAN AMOUNT, THIS IS HOW MUCH YOU’RE PAYING IN INTEREST? I remember thinking how hilariously addressed to idiots it was last time I helped someone shop for a car, but welp I guess there’s a drat good reason for that.
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# ? Mar 19, 2018 16:18 |
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OP posted:They didn't give me any papers. Just a license plate and some papers to sign. "They didn't give me any papers, they just gave me papers. To sign. That I apparently didn't read at all."
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# ? Mar 19, 2018 16:21 |
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I wonder what would happen if you went to one of those BHPH lots, said you “hadn’t really looked at financing,” talked them down because they think you’re going to pay 10% interest or something, and then say you’ve actually decided to pay cash. I know they would probably refuse to sell at that price anymore, but it’s fun to think about.
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# ? Mar 19, 2018 16:27 |
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22 Eargesplitten posted:I wonder what would happen if you went to one of those BHPH lots, said you “hadn’t really looked at financing,” talked them down because they think you’re going to pay 10% interest or something, and then say you’ve actually decided to pay cash. I know they would probably refuse to sell at that price anymore, but it’s fun to think about. Always negotiate price first. If you have a monthly payment in mind, a dealer can always hit that payment target by extending the loan or dicking you on your trade-in or whatever. Saying "I hadn't really looked at financing yet, I'm just interested in the best price I can get on the car I want" should be your default position, because financing shouldn't even be on the table until you have a firm price quote.
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# ? Mar 19, 2018 17:01 |
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Well yeah, I’m just wondering if you could get them to stick to an agreement when you bait and switch them with in house financing over to cash. I assume the sale isn’t signed before the financing, or is it? Never bought from one of those places.
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# ? Mar 19, 2018 17:05 |
22 Eargesplitten posted:Well yeah, I’m just wondering if you could get them to stick to an agreement when you bait and switch them with in house financing over to cash. I assume the sale isn’t signed before the financing, or is it? Never bought from one of those places. A trick a buddy of mine has used is to get the price you want and agree to financing, but only after verifying there are no fees or anything for paying off the loan early.
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# ? Mar 19, 2018 17:22 |
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I want to open a BHPH lot. Talk about good with money!
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# ? Mar 19, 2018 17:24 |
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Ornamented Death posted:A trick a buddy of mine has used is to get the price you want and agree to financing, but only after verifying there are no fees or anything for paying off the loan early. That’s actually a pretty good idea. You get a hard pull on your credit, but you really shouldn’t be doing too many of those or you’ve got other problems anyway.
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# ? Mar 19, 2018 17:25 |
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Car buying chat
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# ? Mar 19, 2018 17:55 |
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I bought a car cash and have a hard pull on my credit report for some reason. I know they usually feed you some bullshit about the patriot act but I legit never ever signed anything of the sort to allow it. gently caress buying cars! Gimme that hyperloop already
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# ? Mar 19, 2018 18:10 |
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GoGoGadgetChris posted:I bought a car cash and have a hard pull on my credit report for some reason. That sounds like a lawsuit to me. Suing dishonest businesses is GWM.
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# ? Mar 19, 2018 18:14 |
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GoGoGadgetChris posted:I bought a car cash and have a hard pull on my credit report for some reason. This is super illegal and the Patriot Act doesn't require your credit run for cash purchases. They're full of poo poo.
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# ? Mar 19, 2018 18:46 |
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FrozenVent posted:Doesn’t the US have laws where every car finance agreement has to have a table that really clearly lays out THIS IS YOUR PAYMENT, THIS IS THE TOTAL LOAN AMOUNT, THIS IS HOW MUCH YOU’RE PAYING IN INTEREST? That table exists because of all the ways you can slip additional costs into the loan that most people don't know enough to look for.
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# ? Mar 19, 2018 19:17 |
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Hoodwinker posted:Crushing my soul all the way to the bank. I posted this to FB and not five minutes later I get messaged by someone I haven't spoken to since high school who is an "Elite Level V Lexus Achiever" at an MLM. Someone's defensive.
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# ? Mar 19, 2018 19:33 |
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FrozenVent posted:Doesn’t the US have laws where every car finance agreement has to have a table that really clearly lays out THIS IS YOUR PAYMENT, THIS IS THE TOTAL LOAN AMOUNT, THIS IS HOW MUCH YOU’RE PAYING IN INTEREST? Sounds like math, nerd!
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# ? Mar 19, 2018 19:55 |
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howdoesishotweb posted:Sounds like math, nerd! Funny how many people are financially hosed by even the most basic mathematics. Look at zaurg.
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# ? Mar 19, 2018 20:20 |
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Devian666 posted:Funny how many people are financially hosed by even the most basic mathematics. Look at zaurg. That crypto is gonna go up any day now.
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# ? Mar 19, 2018 20:59 |
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totalnewbie posted:It's almost as if running a successful business takes more than just a few youtube videos and 10 minutes setting up a Shopify storefront. Yup, nobody will ever figure out how to just buy their cheap stuff direct straight from China without middlemen after tyool 2010.
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# ? Mar 19, 2018 21:19 |
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FrozenVent posted:That crypto is gonna go up any day now. Questions in the electrical wiring thread: MarksMan posted:The larger units will use around 1,375w or 32,928kW/day since I plan to run 24/7 if possible; I read somewhere/was told they use 10 amps per unit. The smaller units I'm somewhat less clear on -- the specs say 800W +10% at the wall. Initially I won't be using that full load of power. I'm for sure going to be running 25 of them that I already have that are ready to go as soon as the facility/power is figured out and another 25 coming/ordered, so 50 total. But the plan is to scale to 150 or more with my brother if the smaller investment pays off in 1+ years, which remains to be seen. That 150 figure is where I calculated everything at; I wanted it to be scalable and the facility itself was pretty good for all the factors I had to consider, so I figured I may as well go ahead and try to see if I could just get the infrastructure in place rather than having to do it down the line. And answers: babyeatingpsychopath posted:Ok.
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# ? Mar 19, 2018 21:27 |
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What the hell kind of measurement is a kilowatt per day? Does he mean kilowatt-hours per day? But then there's still something wrong with his decimal points...
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# ? Mar 19, 2018 21:51 |
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Maaaaaybe you shouldn't deal with this electricity thing if you can't even get basic dimensional analysis right.
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# ? Mar 19, 2018 21:54 |
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VitalSigns posted:What the hell kind of measurement is a kilowatt per day? Guess he just doesn't know watt he's talking about
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# ? Mar 19, 2018 22:17 |
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metallicaeg posted:Guess he just doesn't know watt he's talking about Mods?
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# ? Mar 19, 2018 22:24 |
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Moneyball posted:Mods? Do you have resistance to such puns?
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# ? Mar 19, 2018 22:31 |
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It was so bad that it hertz.
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# ? Mar 19, 2018 22:37 |
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Nothing to get all amped up over imho, it wasn’t that revolting.
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# ? Mar 19, 2018 22:49 |
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Anyone else never really sure how to react to puns? Someone will make a pun and get that big smile while they wait for applause, and I just kinda do this "Huuuuuuh!" sound to acknowledge that what they have said is Special Words not normal talk
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# ? Mar 19, 2018 22:52 |
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Ohmmygod shut up.
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# ? Mar 19, 2018 22:53 |
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Yeah I am also not a fan of the current topic
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# ? Mar 19, 2018 22:54 |
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VitalSigns posted:What the hell kind of measurement is a kilowatt per day? No idea but by my calcs a single one of those bad boys will use 33kWh per day which is a bit over what a typical household uses for everything per day. He wants to scale it up by 150 devices so at that point he will be using 4.95 MWh.
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# ? Mar 19, 2018 23:27 |
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GoGoGadgetChris posted:Yeah I am also not a fan of the current topic Huh!
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# ? Mar 19, 2018 23:38 |
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The real issue with all of this, coming from someone who does this kind of thing for a living, is the question of basically "how do I build a data center?" Yes. SA will give you all the information you need. No big deal. This person doesn't even know what they don't know about this, and it's not a thing you need to reinvent the wheel over. But it is a specific knowledge and skill set. People who know how to do these things and what actually needs doing are gainfully employed and often available for hire.
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# ? Mar 19, 2018 23:41 |
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Installing a transformer of that size would cost a lot and the deal with the power company would be something else. This is the sort of thing that the electrical engineers in my office would design. Although where we do most of our work the lines company often doesn't have enough power in the street to upgrade transformers (makes for a fun $1-$2m power upgrade in the street prior to installing the transformer).Motronic posted:The real issue with all of this, coming from someone who does this kind of thing for a living, is the question of basically "how do I build a data center?" Building a datacentre is a hobby project. I'm sure he will get all the electrical engineering designs, HVAC design for the process coolers and ultimately the fire protection design all from a few posts. Devian666 fucked around with this message at 00:22 on Mar 20, 2018 |
# ? Mar 20, 2018 00:17 |
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# ? May 21, 2024 06:07 |
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Bitcoin-chicken-coop-fire.png
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# ? Mar 20, 2018 00:33 |