Crnr2Crnr Posted July 16, 2022 Share Posted July 16, 2022 1 minute ago, f7ben said: Exactly ....and fuck that bottle of martini and rossi. Get the dom and put it on my credit card. allow me to buy the golden chalices we shall sip it from oh waiter (waving amex in the air) Quote Link to comment Share on other sites More sharing options...
Woodtick Posted July 16, 2022 Share Posted July 16, 2022 Both of my vehicles have the best option available in the USA. The title in the glove box option. 6 Quote Link to comment Share on other sites More sharing options...
Carlos Danger Posted July 16, 2022 Share Posted July 16, 2022 2 minutes ago, f7ben said: All cutting taxes does is make rich people richer while scraping a few crumbs to the middle class I think you need to spend some time with Milton Friedman and less with the likes of Paul Krugman. Quote Link to comment Share on other sites More sharing options...
f7ben Posted July 16, 2022 Share Posted July 16, 2022 15 minutes ago, Carlos Danger said: I think you need to spend some time with Milton Friedman and less with the likes of Paul Krugman. Paul Krugman is an idiot and I’ve never read anything hes stated that was either historically correct or proven to be correct. Quote Link to comment Share on other sites More sharing options...
Gold Member 800renegaderider Posted July 16, 2022 Gold Member Share Posted July 16, 2022 1 hour ago, 1jkw said: We looked at a Sant-Cruz, sticker was about $32,000 they wanted $41,000 that was on Wed. we went by on Sat. and it was sold, people are stupid. It was the same here back in April when we were looking at telluride’s for my wife. 8k over to 12k over for higher trim levels and they wouldn’t even consider budging this is the price you don’t like here’s the door. We ended up leaving and giving up on the telluride as a option. Maybe it’s not as bad now idk though don’t sound like it from your experience 56 minutes ago, spin_dry said: The market adjustment is officially on new vehicles. That in turn (along with the new vehicle shortage) pumps the price of used vehicles. Used vehicle prices are up almost 50%. While the vehicle may be repo'd, the value of that car remains elevated. Unless the thing has been totally trashed out it can still be sold for it's residual.. So the depth of being upside shouldn't be too great or nonexistant. I think there's another issue here. A lot of younger people have zero skills when it comes to selling an item outright. They just roll over like a lazy carp and let the vehicle be repossessed. When I purchase stuff off of marketplace there's rarely a time when the seller has been under 40 years old. In my 20's I was was buying and reselling stuff all the time. Snowmobile/motorcycle parts, guns, fishing gear, knives, etc. until used prices come down, gas and everything else goes up and your stuck with a car that you way over payed for and can’t afford so ya say well fuck it kick it to the repo man. Insurance companies must be loving selling all these gap policies though. Quote Link to comment Share on other sites More sharing options...
Gold Member poopooforme Posted July 16, 2022 Gold Member Share Posted July 16, 2022 This is/was my Bronco. I paid 40k for it. This dealer wrote me a check for $52,000 and I fucking cashed it bitches... https://www.hellerford.com/inventory/used-2022-ford-bronco-outer-banks-advanced-4wd-2d-sport-utility-1fmde5ah8nla90293 3 Quote Link to comment Share on other sites More sharing options...
SkisNH Posted July 16, 2022 Share Posted July 16, 2022 3 hours ago, f7ben said: Exactly ....so join the fucking party and eat caviar until you’re on the ocean floor. The ship is sinking and only suckers and fools are wasting their time with austerity. It’s all a fake bullshit show designed to keep slaves laboring away and rich people buying islands. Plenty of normal people living debt free lives....I know you will hate it because of the religious undertones. However, listen to the Dave Ramsey show for 1 week and you will hear every hour someone that took their lives back by being disciplined. Those people are the everyday millionaires. 3 Quote Link to comment Share on other sites More sharing options...
f7ben Posted July 16, 2022 Share Posted July 16, 2022 Just now, SkisNH said: Plenty of normal people living debt free lives....I know you will hate it because of the religious undertones. However, listen to the Dave Ramsey show for 1 week and you will hear every hour someone that took their lives back by being disciplined. Those people are the everyday millionaires. Yes , eat bread and water and live poor and some day you can die with a million dollars in the bank. Fuck that shit. Quote Link to comment Share on other sites More sharing options...
SkisNH Posted July 16, 2022 Share Posted July 16, 2022 1 minute ago, f7ben said: Yes , eat bread and water and live poor and some day you can die with a million dollars in the bank. Fuck that shit. Nope...the average millionaires following his plan did it in 7 years....imagine how much shit you can buy if you have no debt. Stop handing you paycheck to other people. Quote Link to comment Share on other sites More sharing options...
f7ben Posted July 16, 2022 Share Posted July 16, 2022 Just now, SkisNH said: Nope...the average millionaires following his plan did it in 7 years....imagine how much shit you can buy if you have no debt. Stop handing you paycheck to other people. I have been entirely debt free aside from a small mortgage as recently as 24 months ago. When I take on debt now it’s calculated and with purpose. Quote Link to comment Share on other sites More sharing options...
SkisNH Posted July 16, 2022 Share Posted July 16, 2022 3 minutes ago, f7ben said: I have been entirely debt free aside from a small mortgage as recently as 24 months ago. When I take on debt now it’s calculated and with purpose. You are younger than I am, but aim for totally debt free..no mortgage no credit card, no car payment...you can save rather quickly for whatever you want. The other benefit is total security from what goes on around you. Total freedom. Quote Link to comment Share on other sites More sharing options...
SkisNH Posted July 16, 2022 Share Posted July 16, 2022 (edited) 3 hours ago, f7ben said: Your poor daughter saved eleventy dollars last year and this years it’s worth 40% less. That’s not good planning. We should teach our kids to eat the rich and slit throats when they steal our lunch. Nothing else matters Or teach her how to become rich with hard work and discipline. I get rich is subjective...but there is zero reason for anyone to retire broke. Time value of money.. 150.00 per month over 30years @ 8% return is 2million Edited July 16, 2022 by SkisNH Quote Link to comment Share on other sites More sharing options...
SkisNH Posted July 16, 2022 Share Posted July 16, 2022 Hope you really liked what stupid piece of shit you bought on your credit card. Quote Link to comment Share on other sites More sharing options...
Rod Posted July 16, 2022 Share Posted July 16, 2022 2 hours ago, f7ben said: Paul Krugman is an idiot and I’ve never read anything hes stated that was either historically correct or proven to be correct. Doesn’t he have a Nobel for economics Quote Link to comment Share on other sites More sharing options...
f7ben Posted July 16, 2022 Share Posted July 16, 2022 9 minutes ago, ACE said: Doesn’t he have a Nobel for economics Oh im sure , Obama got one and Trump deserved one for sure Quote Link to comment Share on other sites More sharing options...
Rod Posted July 16, 2022 Share Posted July 16, 2022 Just now, f7ben said: Oh im sure , Obama got one and Trump deserved one for sure It’s nearly accomplishing the opposite of what they want at this point Quote Link to comment Share on other sites More sharing options...
spin_dry Posted July 16, 2022 Author Share Posted July 16, 2022 2 hours ago, SkisNH said: Plenty of normal people living debt free lives....I know you will hate it because of the religious undertones. However, listen to the Dave Ramsey show for 1 week and you will hear every hour someone that took their lives back by being disciplined. Those people are the everyday millionaires. Ramsey is good for the undisciplined. I've always been disciplined and rarely follow any of his rules. I buy everything on credit card for the points. Pay it off and never carry a balance. Large purchases are always on credit. I never paid off a home. Why would I? I could finance it below 3% and keep my capital invested. It's virtual free money. I understand the idea of paying off a house or large purchase from an emotional POV. But financially it makes zero sense. Quote Link to comment Share on other sites More sharing options...
Mainecat Posted July 16, 2022 Share Posted July 16, 2022 25 minutes ago, spin_dry said: Ramsey is good for the undisciplined. I've always been disciplined and rarely follow any of his rules. I buy everything on credit card for the points. Pay it off and never carry a balance. Large purchases are always on credit. I never paid off a home. Why would I? I could finance it below 3% and keep my capital invested. It's virtual free money. I understand the idea of paying off a house or large purchase from an emotional POV. But financially it makes zero sense. X2 Quote Link to comment Share on other sites More sharing options...
SkisNH Posted July 16, 2022 Share Posted July 16, 2022 53 minutes ago, spin_dry said: Ramsey is good for the undisciplined. I've always been disciplined and rarely follow any of his rules. I buy everything on credit card for the points. Pay it off and never carry a balance. Large purchases are always on credit. I never paid off a home. Why would I? I could finance it below 3% and keep my capital invested. It's virtual free money. I understand the idea of paying off a house or large purchase from an emotional POV. But financially it makes zero sense. Mathematically you are correct...but answer this question. If your home were paid off would you go take out a mortgage against it so you can invest in the stock market? Quote Link to comment Share on other sites More sharing options...
SkisNH Posted July 16, 2022 Share Posted July 16, 2022 56 minutes ago, spin_dry said: Ramsey is good for the undisciplined. I've always been disciplined and rarely follow any of his rules. I buy everything on credit card for the points. Pay it off and never carry a balance. Large purchases are always on credit. I never paid off a home. Why would I? I could finance it below 3% and keep my capital invested. It's virtual free money. I understand the idea of paying off a house or large purchase from an emotional POV. But financially it makes zero sense. Ramseys system isn't rocket science...his process makes people disciplined. Quote Link to comment Share on other sites More sharing options...
Crnr2Crnr Posted July 16, 2022 Share Posted July 16, 2022 4 hours ago, f7ben said: I have been entirely debt free aside from a small mortgage as recently as 24 months ago. When I take on debt now it’s calculated and with purpose. how do you hide the porn hub charges from your wife? asking for a friend 4 hours ago, SkisNH said: You are younger than I am, but aim for totally debt free..no mortgage no credit card, no car payment...you can save rather quickly for whatever you want. The other benefit is total security from what goes on around you. Total freedom. yup, it's nice being able to tell your employer to go fuck themselves. debt is the new slavery Quote Link to comment Share on other sites More sharing options...
f7ben Posted July 16, 2022 Share Posted July 16, 2022 Just now, Crnr2Crnr said: how do you hide the porn hub charges from your wife? asking for a friend yup, it's nice being able to tell your employer to go fuck themselves. debt is the new slavery Pornhub is free bro 1 1 Quote Link to comment Share on other sites More sharing options...
SkisNH Posted July 16, 2022 Share Posted July 16, 2022 Just now, Crnr2Crnr said: how do you hide the porn hub charges from your wife? asking for a friend Dude...there is like 1 million minutes of free porn on the interwebs Quote Link to comment Share on other sites More sharing options...
Crnr2Crnr Posted July 16, 2022 Share Posted July 16, 2022 Just now, SkisNH said: Dude...there is like 1 million minutes of free porn on the interwebs rilly? my friend will be excited to hear this Quote Link to comment Share on other sites More sharing options...
spin_dry Posted July 16, 2022 Author Share Posted July 16, 2022 1 hour ago, SkisNH said: Ramseys system isn't rocket science...his process makes people disciplined. A little cult like, IMO. Quote Link to comment Share on other sites More sharing options...
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