do you have a car loan? if so, how much is it?
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Poast new message in this thread
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Date: July 16th, 2025 1:15 PM
Author: .,.,.;;,;.,;:,:,,:,.,:,::,..;.,:,.:;.:.,;.:.,:.::,
180
age?
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49105873) |
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Date: July 16th, 2025 6:40 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49106876) |
Date: July 16th, 2025 3:10 PM
Author: .,.,,...,...,..,....,...,...,...
Age: 46
Net worth: About $2.2M
Total spent on car payments in my lifetime: $0
I only buy shitty used cars and drive them into the ground. No point in spending more money than necessary on a rapidly depreciating asset. Maybe I will buy a nicer car some day when I feel like I have maed it, but until then, I would rather save more money so that I can quit wagecucking sooner.
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49106183) |
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Date: July 16th, 2025 3:15 PM Author: portnoy's BJC ((zurich is stained))
when's the last time you fucked your wife?
how much sex do you typically have?
fav positions?
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49106199) |
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Date: July 16th, 2025 3:24 PM Author: portnoy's BJC ((zurich is stained))
i have sex with my wife about every other day and i am 46
are you coping well with your wife's diagnosis? i hope she is able to beat it.
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49106219)
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Date: July 16th, 2025 3:48 PM Author: gumbo
i think that's great. to have a healthy sex life like that.
4 years ago when she was diagnosed was a bad time. she is on medication and has been mostly stable for the last couple of years.
stage 4 means the cancer has spread from the original part to a different part of the body. this is considered incurable. but the doctors will try to elongate life as much as possible.
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49106281) |
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Date: July 16th, 2025 3:55 PM Author: portnoy's BJC ((zurich is stained))
i'm very sorry to hear that, friend. i don't really pray but i will pray for you and her. i hope she isn't in too much discomfort.
my poasting during my substance abuse spiral is very well known here and i wronged my wife many times. we got back together in 2022 and i was kinda rocky at first, but it's very good now. we've been together since 2005 and in the last couple months it's all come back to me how in love we were when we first got togehter, and i feel like that again. plus she still looks about the same, which is cool.
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49106322)
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Date: July 16th, 2025 4:41 PM Author: a Tall man wit a hoodie
$2k on wife’s left
$7k on mine
Then they’ll be paid off and I’ll need a new one and start the Hebrew cycle over again.
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49106411) |
Date: July 16th, 2025 6:34 PM Author: Malicious Pedophile Crew (MPC) (gunneratttt)
yes. about 35k
if you're you buy a new car and there's an incentive below market rate it's kinda stupid not to. even ordinary rates. if you can cop 6% and invest what you would have paid for it into the market earning a conservative avg 10-12% per annum, why wouldn't you?
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49106867) |
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Date: July 16th, 2025 11:05 PM
Author: .,.,,...,...,..,....,...,...,...
I'm not sure about that one. Paying cash for a car rather than taking out a loan at 6% effectively gives you a 6% risk-free return on your money. The long-run average for the stock market is higher than 6%, but it is far from risk free. There have been many 10-year and even 20-year periods where the stock market earned less than 6%. Most financial advisors will tell you to pay down debt rather than investing if the interest rate on the debt is 6-7% (or higher). It's usually not worth the slightly higher return for much greater risk unless you will definitely keep your money invested for a very long time.
Of course, if the car loan is 0% or 1%, you take the loan every single time. I would definitely take the loan if the interest rate is below 5%. But it gets a little more questionable for higher interest rates.
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49107715) |
Date: July 16th, 2025 7:06 PM Author: samoth
I second the dude above about paying interest on a depreciating asset.
If you have cash to burn, sure, go for it.
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49106982) |
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Date: July 16th, 2025 9:52 PM Author: Malicious Pedophile Crew (MPC) (gunneratttt)
everyone wants their assests to appreciate nigger, who the fuck wants them to go down? this doesn't explain why you would want to take a loan out for an appreciating versus depreciating.
your second paragraph is completely nonresponsive. of course it's a minor consideration for people buying cars within their means.
it doesn't fucking matter what you're borrowing money *for* for personal use. what matters is the terms of the loans. if i have $100k and am buying an appreciating asset for $50k and depreciating one for $50k, and i want to finance one so i have $50k to invest, then it doesn't matter which one i finance all things being equal. if anything, you'd prefer to finance the depreciating asset because the lenders secured interest is decreasing. if you ran into trouble you'd rather the bank have a lien on something that had decreased in value.
dumbfuck.
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49107494) |
Date: July 16th, 2025 11:26 PM
Author: .,.,.;;,;.,;:,:,,:,.,:,::,..;.,:,.:;.:.,;.:.,:.::,
it's a knick-knack, patty whack, give the frog a loan, his old man's a rolling stone
(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2Elisa#49107749) |
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