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The 2nd part I believe though. Jeeps seem to be worth the same amount forever always, and Subarus depreciate by like $100 a year.
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Aug 9, 2018 23:39
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Certain M cars have gone back up in value lately, which looks good if you ignore the costs of maintaining and owning them for 20+ years.
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Aug 9, 2018 23:43
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GoGoGadgetChris posted:Is this true? I am fairly certain that M series value plummets hard and fast. I retract that as a blanket statement for BMWs. Certain models are good, though (As an anomaly, the 1M has appreciated in value, used ones cost more now then when they were new). Edmunds has the M2 as an 'honorable mention' for best retained value in its class for 2018, but its class is "Luxury sport car" so take that for what it's worth.
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Aug 9, 2018 23:45
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Propaniac posted:Cat Figurine Guy has a long-lost sister. spend less on gourds
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Aug 9, 2018 23:46
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Sirotan posted:spend less on gourds no
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Aug 10, 2018 00:10
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Phanatic posted:I retract that as a blanket statement for BMWs. 
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Aug 10, 2018 00:55
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The M2, M3, and M4 can all be had for five figures, well below the $100,001 guillotine cutoff
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Aug 10, 2018 00:56
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Re: car financing: secure your loan through a credit union before you start shopping. They will stop you from buying anything egregiously stupid, because they'll just refuse to finance it (the ones I've dealt with, anyway). They also usually have hard maximums on their APRs, too.
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Aug 10, 2018 00:59
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I think the APR on my car was 0.9% but it went through Honda since I didn't expect to get a lower rate than that going through my bank or a CU
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Aug 10, 2018 01:04
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Car chat is worse than John Smith chat. You guys ignored the amazing gourd story to talk about stupid BMW's. Think about that.
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Aug 10, 2018 01:10
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I traded in a four year old Subaru for only $2k less than I paid for it to buy an M3. No ban pls. Really, M cars depreciate quite a bit. Particularly if they have a lovely V10 that constantly blows up.
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Aug 10, 2018 01:16
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potatoducks posted:Car chat is worse than John Smith chat. You guys ignored the amazing gourd story to talk about stupid BMW's. Think about that. I don’t think we’ve ever heard John Smith’s opinion on cars. Or gourds.
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Aug 10, 2018 01:17
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potatoducks posted:Car chat is worse than John Smith chat. You guys ignored the amazing gourd story to talk about stupid BMW's. Think about that. Nobody ignored the gourd story but what else needs to be said about it, lady is like the dril candles budget tweet but for squash
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Aug 10, 2018 01:17
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FAUXTON posted:Nobody ignored the gourd story but what else needs to be said about it, lady is like the dril candles budget tweet but for squash
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Aug 10, 2018 01:21
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CannonFodder posted:And she's denying anything is wrong as they turn to mush. That's hoarding behavior and she needs help. Yeah, this is more why I didn't comment. She's pretty clearly mentally ill, and that's less funny and more sad.
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Aug 10, 2018 01:23
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They're dual income with no kids, so they can have whatever dumbass hobbies they want. But if they decide to get busy and pump kin out, they'll need to stop.
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Aug 10, 2018 01:23
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(obligatory) That woman in absolutely out of her gourd!!!
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Aug 10, 2018 01:37
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If my partner was wasting so much money on something so useless I know I'd be at least a little melloncholy.
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Aug 10, 2018 01:58
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Phanatic posted:If my partner was wasting so much money on something so useless I know I'd be at least a little melloncholy.
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Aug 10, 2018 02:01
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Gourd puns are hard.
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Aug 10, 2018 02:10
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Xenocides posted:Gourd puns are hard. Give it a little time for them to ripen
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Aug 10, 2018 02:17
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Moneyball posted:Give it a little time for them to ripen Can we just squash this derail right from the start?
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Aug 10, 2018 02:22
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He'll never be head of a major corporation
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Aug 10, 2018 02:27
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Moneyball posted:Give it a little time for them to ripen
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Aug 10, 2018 02:32
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Can’t say that the cell phone installment plan gig is that bad of an idea, other than buying used or previous model phones which is clearly the GWM path. My T-mobile plan is $85 after tax (not including the installment plan of $16.67) for 2 phones and 2 tablets, each with 6gb and free streaming video and audio. I opted for the installment plan because they were offering $300 trade-in on used iPhones, of which mine would never have gotten more than $200 on Craigslist for being all scratched up and dinged, but met their criteria. I don’t have a $150 plan and other than paying the tax up front it seems okay to spread the remaining cost (less $300) over 24 months interest free. I’d obviously prefer just to pay it all off and collect the trade-in up front, but I can manage. I need to understand the terms of the trade-in for T-mobile to know if their plan is BWM or not. I don’t know what happens to my monthly credit I receive ($300/24 each month). If it is a trade-in and kick the plan out another 24 months for $16.67, doesn’t seem that awful. It’s definitely not GWM though, I won’t dispute that.
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Aug 10, 2018 02:36
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Dik Hz posted:Are you saying I butternut post acorn-y gourd pun? 
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Aug 10, 2018 02:52
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he canteloupe from the thread after a post like that
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Aug 10, 2018 03:13
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DarkHorse posted:I really did not understand a lot of the advertising saying stuff like "I got my payments to $XXX a month!" I kept thinking "but for how long? You haven't given me enough information to decide if that's good or not!" The advertising says that because 'how many dollars do I get this month' is the extent of roughly half of the country's financial planning. Not because privilege, but because when you live paycheck to paycheck a 5 year payoff might as well be next century, because you know emergencies are going to happen between now and then and poo poo will get all hosed up.
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Aug 10, 2018 03:42
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FAUXTON posted:I think the APR on my car was 0.9% but it went through Honda since I didn't expect to get a lower rate than that going through my bank or a CU Like I don’t think I’ve seen a car commercial that has an interest rate above 3%, how does 20% seem reasonable if you have seen a car commercial before?
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Aug 10, 2018 03:45
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TraderStav posted:Can’t say that the cell phone installment plan gig is that bad of an idea, other than buying used or previous model phones which is clearly the GWM path. My T-mobile plan is $85 after tax (not including the installment plan of $16.67) for 2 phones and 2 tablets, each with 6gb and free streaming video and audio. I opted for the installment plan because they were offering $300 trade-in on used iPhones, of which mine would never have gotten more than $200 on Craigslist for being all scratched up and dinged, but met their criteria. Nobody gives a poo poo about your stupid phone.
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Aug 10, 2018 03:50
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crazypeltast52 posted:Like I don’t think I’ve seen a car commercial that has an interest rate above 3%, how does 20% seem reasonable if you have seen a car commercial before? All their credit cards are 27%. 20% is a bargain! The answer is they’re going entirely on monthly payment amount. They don’t question the interest rate or length as long as the note comes in under $400.
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Aug 10, 2018 03:52
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n8r posted:Nobody gives a poo poo about your stupid phone. Fuckin' calm down man, lol. It's literally a topic being discussed in this very thread and put an end to the dumbass Pumpkin Puns (Punkins?) It wasn't the most gripping post but it doesn't deserve the Report you doubtlessly gave it.
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Aug 10, 2018 04:00
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n8r posted:Nobody gives a poo poo about your stupid phone. This post is incorrect. I actually did give a poo poo about his/her stupid phone.
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Aug 10, 2018 04:08
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crazypeltast52 posted:Like I don’t think I’ve seen a car commercial that has an interest rate above 3%, how does 20% seem reasonable if you have seen a car commercial before? "For qualified buyers" They are self-aware enough to know that does not apply to them.
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Aug 10, 2018 04:57
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I love catching my husband before he reads the thread
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Aug 10, 2018 05:28
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GoGoGadgetChris posted:They're dual income with no kids, so they can have whatever dumbass hobbies they want. But if they decide to get busy and pump kin out, they'll need to stop. She's unemployed. Edit: and apparently spending ~$1000/month on gourds
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Aug 10, 2018 05:30
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It's decorative gourd season, motherfuckers. Also available in mug form: 
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Aug 10, 2018 07:23
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Pumpkin beers are already on the shelves, too. I wish those things would go away but apparently they’re very GWM for the breweries.
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Aug 10, 2018 12:30
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Phanatic posted:Pumpkin beers are already on the shelves, too. pumpkin spice everything is extremely gourd with money for nearly every place that tries it and life is hell for 3 months as a result, then they make peppermint everything.
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Aug 10, 2018 13:01
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FAUXTON posted:pumpkin spice everything is extremely gourd with money for nearly every place that tries it and life is hell for 3 months as a result, then they make peppermint everything. Christmas beers are the bomb.
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Aug 10, 2018 13:15
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