***TST's Official "Whatever" Thread***

[Scapegoat]

i'm not worried about you... i'm worried about me :p

I may just stick with refinancing the srt and ordering the mustang and dealing with this process again when that comes in

[DPancoast]

Good approach if you ask me

[DPancoast]

Better hurry on the cash for clunkers... They're shutting it down cuz their out of money

[russiankid]

My brother bought a 2009 Scion tC last week. He first went to a Honda dealer to test drive a Civic. Well he has the same BMW as I do, except its a 535i and has been properly repainted. Anyway, first things the salesman sad was " Cash for clunkers program?"

[HickRocket1258]

And I don't think you are able to trade in for the Mustang. Could be wrong but don't quote me. I can't see myself owning anything but American, so it looks like I'll stick to the ****ty gas mileage haha.

[Oakes]

I own american and get awesome gas mileage

[Scapegoat]

does the vehicle need to be running for cash for clunkers? my truck is def not worth 4500... so i'd take that in a second lol

[jpalamar]

Originally Posted by Scapegoat

right, and you don't know my credit history either, which they do. I could afford both this car and my srt, rent, insurance, food, other bills and still have enough left over to chill with.

simple fact of this whole situation is, i don't have 8g's sitting in the bank to cover the difference, otherwise i would. I'm going to talk to the credit union about refinancing the srt and giving me the auto loan.

that would drop the monthly payments on the srt to something easily more manageable and potentially give me a winter car, and i can pay it off quicker with the other cash i've got coming in.

i've got a buddy willing to loan me a couple grand if i need it... gotta work something out since i'm so damn close. worst case, i'll just refi the srt and order the mustang and pick it up in 3-4 months

I don't gotta know your info. Bottom line, you have to borrow money just to borrow more money. Thats got DUMB written all over it. If you could afford it you would already have the car and posting how great it is, not how to try and get a few more bucks. Thats just my opinion though.

And few banks/if any are going to let you REFI and then add another car loan on top of that right away.

[russiankid]

Originally Posted by Scapegoat

does the vehicle need to be running for cash for clunkers? my truck is def not worth 4500... so i'd take that in a second lol

I believe it has to be a car that you drive...so yes running.

[jpalamar]

Originally Posted by Oakes

I own american and get awesome gas mileage

Anythins is good compaired to the Lambo. I think the gass guzzler tax on that car is higher then the cash for clunkers rebate lol

[Oakes]

It is unfortunately, but the awesome factor far outweighs the downsides

[HickRocket1258]

Ken have you had the truck insured for a year, otherwise no you can't take it.

[Scapegoat]

Originally Posted by jpalamar

I don't gotta know your info. Bottom line, you have to borrow money just to borrow more money. Thats got DUMB written all over it. If you could afford it you would already have the car and posting how great it is, not how to try and get a few more bucks. Thats just my opinion though.

And few banks/if any are going to let you REFI and then add another car loan on top of that right away.

bottom line is, i can have 6k in a few months time... bottom line is, i don't want to wait. bottom line is, i'm willing to pay a little extra in interest on that 6k now to get the car now.

bottom line... the final outcome is the mustang costs me $505 a month... versus the $500 a month i put into the srt (more than is required, but i do it)

bottom line is, i wasn't 100% ready to buy and my credit obviously isn't 100% perfect and in shape to just get this car w/o worrying.

bottom line is, i don't spend the money unless i know i'm financially capable. the credit companies don't 100% know me or my situation... they see numbers and past mistakes that are no longer even close to being a factor because life was 300% different for me.

but seriously, whats the big deal? 6k personal loan and 29k auto loan still equals the full loan amount i was originally looking to get. on top of that, i pay off the 6k as soon as possible and i'm actually paying less over time anyway.

[Scapegoat]

Originally Posted by HickRocket1258

Ken have you had the truck insured for a year, otherwise no you can't take it.

yup, i've had the truck for well over a year now. honestly, i don't want to get rid of it. a big thought in my head is forget the stang, refinance the srt and start saving for the 454 and trans to dump into it

the biggest frustration with all this is, i have the money and i'm responsible enough. but i was an idiot because i moved to hershey for a chick and stuck around when the relationship started to stink a couple months into moving in together

[jpalamar]

Originally Posted by Scapegoat

bottom line is, i can have 6k in a few months time... bottom line is, i don't want to wait. bottom line is, i'm willing to pay a little extra in interest on that 6k now to get the car now.

bottom line... the final outcome is the mustang costs me $505 a month... versus the $500 a month i put into the srt (more than is required, but i do it)

bottom line is, i wasn't 100% ready to buy and my credit obviously isn't 100% perfect and in shape to just get this car w/o worrying.

bottom line is, i don't spend the money unless i know i'm financially capable. the credit companies don't 100% know me or my situation... they see numbers and past mistakes that are no longer even close to being a factor because life was 300% different for me.

but seriously, whats the big deal? 6k personal loan and 29k auto loan still equals the full loan amount i was originally looking to get. on top of that, i pay off the 6k as soon as possible and i'm actually paying less over time anyway.

Its your money. Do what you want.

[Scapegoat]

i will thank you

[DPancoast]

Ken wanna race?

[Scapegoat]

if i get the mustang sure. i can't race the srt cause the fuel pump is going trying to get rid of the car before i have to deal with that. i stutter at WOT... course, i was tuned for 18.5 psi and running 15-16 now... probably too rich

[HickRocket1258]

Originally Posted by Scapegoat

yup, i've had the truck for well over a year now. honestly, i don't want to get rid of it. a big thought in my head is forget the stang, refinance the srt and start saving for the 454 and trans to dump into it

the biggest frustration with all this is, i have the money and i'm responsible enough. but i was an idiot because i moved to hershey for a chick and stuck around when the relationship started to stink a couple months into moving in together

Is that where you live now? I've thought about moving closer into that direction. Might be able to work for the Hershey Park, the business part of it, none of the stupid booths and crap.

[TROLL]

What I don't understand, and I guess its cause I'm kind of the opposite... is how can someone have so much extra income but no substantial savings? Doesn't extra income turn into savings? I dont know... I have more savings than income but thats just something that has come with time.
Not asking anyone about their finances personally, but I feel like I hear this a lot from people and its hard for me to comprehend since I just dont operate that way... I guess some people just make a lot and spend a lot too? Or maybe they're still paying off debt from previous situations?

I dunno, the way I feel interest exists in order for me to earn it, not for me to pay it . Mortgage excluded, of course (and some but not all car payments). Credit card debt though... pshhhh.