i was ass raped yesterday.............

[HAYEZ]

2 weeks ago got a car form a dealership....signed finance papers...since credit was kind of shitty got a 18% rate....thought whatever ill deal with it...fuckers sent me on my way thinking i was golden.....call me up yesterday....got to restructure the deal come in...muthafucka...get up there to find out i have to put down 10,000 cash to qualify for a 27.8% rate.....lolololololololol unfuckignbelievable...so i feel i have been officialy violated now fuckign cunts.....guess thats what i get for buyign a boat on a credit card and maxing that shit out..instead of using it for a car...atleast the boat i was only payign 12%.lmfao...

 

[hog#head#cheese]

I would bring it back while you still can

 

[drsketch]

You FAIL

 

[HAYEZ]

I would bring it back while you still can

already sold my other car..im stuck dont want to go thru process again...whatever though its a nice car..just 200 more a month then i wanted to pay since apr is fucking insane...had to drop the warrenty also save 175 more month

 

[HAYEZ]

You FAIL

thank you sir

 

[drsketch]

thank you sir

seriously though, you must have done some ass raping yourself to get up shit creek..

USA is built on credit man, without it you are nothing. Get that shit straight if you need some advice PM me and ill try and answer over the weekend.

 

[HAYEZ]

seriously though, you must have done some ass raping yourself to get up shit creek..

USA is built on credit man, without it you are nothing. Get that shit straight if you need some advice PM me and ill try and answer over the weekend.

my credit was 700 this jan...i maxed out like 20 some thousnd on cards to buy a boat with it....and i got hit with family support on my credit report,so credit took a shit within a week...now its aorund 590...never had a late pay or anything...history is good...just maxed out

 

[PICK3]

guess thats what i get for buyign a boat on a credit card

Move near a river.

Seriously, sounds like your credit is alreay fugged ... tell them to come get their car.

 

[drsketch]

Yeah get a loan next time for a big purchase why would you buy with a CC? You trying to show off for some bitches or something? haha

 

[HAYEZ]

Yeah get a loan next time for a big purchase why would you buy with a CC? You trying to show off for some bitches or something? haha

they wouldnt give me a loan for a boat...with the way credit avail is now..to get loans for luxuries is non existent....card only 12% so its better then paying 15 or more for a boat loan...

as for the bitches...yes every weekend hundreds of bithces drinking and naked...well worth it

 

[HAYEZ]

Move near a river.

Seriously, sounds like your credit is alreay fugged ... tell them to come get their car.

lolol

 

[p0ink]

dooooooddd...what kind of car did you get that needed a 10g down payment on top of a 28% interest rate?

 

[fistfullofsteel]

you got fisted and they didn't use any lube

 

[HAYEZ]

dooooooddd...what kind of car did you get that needed a 10g down payment on top of a 28% interest rate?

mercedes 500 ...i got screwed price wise but car is mint with 30k...worth it..makes my job easier to influence my customers

 

[puddlemonkey]

boat owner = retard


never own the boat, just be friends of boat owners.

 

[HAYEZ]

boat owner = retard


never own the boat, just be friends of boat owners.

yes i have had 2 boats now...i know...but haivng broke friends means no fun unless i buy it,,lol...seriously though not having a boat suxs

 

[p0ink]

how much in the hole are you?

clarkhoward.com: Save more, spend less and avoid rip-offs

 

[HAYEZ]

how much in the hole are you?

clarkhoward.com: Save more, spend less and avoid rip-offs

good link...im pretty screwed but its allright..only have about 40+k of debt now to pay off...lmfao

 

[dabuffguy]

You are maxed $20K in debt and you are trying to buy a mercedes?

Bro, your financial choices are super shitty. I don't mean that with malice.

Get rid of the boat, go buy a car you can afford and stay out of debt.

True freedom comes from staying out of debt you can't manage, not maxing your credit to buy toys. They are just things.


Getting screwed in the butthole doesn't feel good, but you did this to yourself amigo.

 

[puddlemonkey]

I have a friend thats 65-70k in the hole. Newer cars, boat, nice house, etc. I tell him he's a retard all the time. Its gonna catch up with him some day, and you can bet when it does as his friend I'll be there to point and laugh at him.

 

[HAYEZ]

You are maxed $20K in debt and you are trying to buy a mercedes?

Bro, your financial choices are super shitty. I don't mean that with malice.

Get rid of the boat, go buy a car you can afford and stay out of debt.

True freedom comes from staying out of debt you can't manage, not maxing your credit to buy toys. They are just things.


Getting screwed in the butthole doesn't feel good, but you did this to yourself amigo.

i have the cash to pay the cards off...id rather have a savings of 20k instead of no money only to save a few hundred a month in payments!

 

[HAYEZ]

I have a friend thats 65-70k in the hole. Newer cars, boat, nice house, etc. I tell him he's a retard all the time. Its gonna catch up with him some day, and you can bet when it does as his friend I'll be there to point and laugh at him.

lol...thats what friends are for to kick you when your down! lol

 

[dabuffguy]

i have the cash to pay the cards off...id rather have a savings of 20k instead of no money only to save a few hundred a month in payments!

well, it obviously has bitten you in the ass. Good luck with it though bro.


I'm not trying to sound like a douche. I'm a pretty frugle spender, aside from my car. But even then, I paid cash for it (100K) and would never put myself in a financial bind for a toy. That is impractical and irresponsible IMO.

 

[puddlemonkey]

I'm a pretty frugle spender

AKA cheap

 

[Mr. dB]

i have the cash to pay the cards off...id rather have a savings of 20k instead of no money only to save a few hundred a month in payments!

Insane. There's no way the $20K in cash is earning as much interest as the $20K in debt is running up.

 

[dabuffguy]

AKA cheap

Hiya Buddy!


lol, No, not at all.

Cheap and frugle are not the same at all. I'm just not a shop-o-holic and blows money on senseless bullshit. (not talking about you hayez). I don't buy dinky crap that I don't need, which most people do buy senseless garbage all the time. I save my money, have a solid savings account that I continue to build on. I prepare my own meals, which is more healthy and cost effective. I buy nice clothes, but not $200 for a pair of jeans/pants like some. etc etc.

 

[HAYEZ]

well, it obviously has bitten you in the ass. Good luck with it though bro.


I'm not trying to sound like a douche. I'm a pretty frugle spender, aside from my car. But even then, I paid cash for it (100K) and would never put myself in a financial bind for a toy. That is impractical and irresponsible IMO.

the boat was for pussy on the weekend..got to love the sandbars,.lol..yes irresponsible.....

car i do outside sales so when i am with customers i am always meeting them and taking them to diff locations...so i need a somewhat nice car to do so...my last car was a 328 bmw but interior started getting worn so had to sell it...cannot look poor in front of a client...they dont take you serious if you look like shit..

 

[dabuffguy]

Insane. There's no way the $20K in cash is earning as much interest as the $20K in debt is running up.

exactly. If you have the money, pay for it up front. Don't want to drain your bank account? Don't buy a boat.

Paying interest against money you actually have? That is a big no-no. a total bonehead way to think about it, paying more money over a longer period of time vs paying less total money in one sweep. Your basically throwing $$XXX a month into the trash can.

 

[puddlemonkey]

they dont take you serious if you look like shit..

You'd better hit the gym

 

[HAYEZ]

Insane. There's no way the $20K in cash is earning as much interest as the $20K in debt is running up.

its not gaining any interest...my job is in sales..i only am paid commission..i sometimes go without a paycheck for months at a time...that is the reason i need a decent saving for cushion

 

[dabuffguy]

the boat was for pussy on the weekend..got to love the sandbars,.lol..yes irresponsible.....

car i do outside sales so when i am with customers i am always meeting them and taking them to diff locations...so i need a somewhat nice car to do so...my last car was a 328 bmw but interior started getting worn so had to sell it...cannot look poor in front of a client...they dont take you serious if you look like shit..

There is definitley something to say for having a nice car and being presentable and appear succesful to clients. That is a good point there.

 

[HAYEZ]

There is definitley something to say for having a nice car and being presentable and appear succesful to clients. That is a good point there.

pull up in a beat car with some wrinkled clothes they look at ya like your joking...lol

 

[dabuffguy]

pull up in a beat car with some wrinkled clothes they look at ya like your joking...lol

Exactly.

But, still you gotta be smart my brohemoth and stay financially sound even if it means giving up something or waiting longer to but that something you want. Debt is evil IMO.

The only 2 things I can understand going in debt for is a home and a car. If you go into debt for anything besides that, you are asking for trouble somewhere down the road.

 

[Oceano]

Exactly.

But, still you gotta be smart my brohemoth and stay financially sound even if it means giving up something or waiting longer to but that something you want. Debt is evil IMO.

The only 2 things I can understand going in debt for is a home and a car. If you go into debt for anything besides that, you are asking for trouble somewhere down the road.

you seem quite against debt

 

[heavy_duty]

they wouldnt give me a loan for a boat...with the way credit avail is now..to get loans for luxuries is non existent....card only 12% so its better then paying 15 or more for a boat loan...

as for the bitches...yes every weekend hundreds of bithces drinking and naked...well worth it

fuck the credit card companies man. I stopped paying all my cards 7 months ago...all Plat cards fuck em all. One of the cards I had for 24 years, it was up to $9K


I'm payin cash till I die.

 

[HAYEZ]

fuck the credit card companies man. I stopped paying all my cards 7 months ago...all Plat cards fuck em all. One of the cards I had for 24 years, it was up to $9K


I'm payin cash till I die.

u mean you just quit paying everything? or you paid them off first?

 

[heavy_duty]

I quit paying them, they were all maxed out.
1K
3K
5K
7K
10K
21K

 

[heavy_duty]

I did not pay them off, I said fuck you to all of them. and in the process fucked my credit forever LOL
most of them have not even called me. only the one that is over 20,000 is pissed off LOL fuck them.

 

[heavy_duty]

I read a few books and did a lot of research before I stopped paying-

 

[HAYEZ]

I did not pay them off, I said fuck you to all of them. and in the process fucked my credit forever LOL
most of them have not even called me. only the one that is over 20,000 is pissed off LOL fuck them.

lmmfao...ololololololol k for you!!!! my parents filed bankruptcy like 5 years ago...had like 70k in credit debt...lolol erased it all

 

[Beachboy6294]

dooooooddd...what kind of car did you get that needed a 10g down payment on top of a 28% interest rate?

Yes I would never take a loan with 28% interests much less give them $10,000 down!!!!

 

[HAYEZ]

Exactly.

But, still you gotta be smart my brohemoth and stay financially sound even if it means giving up something or waiting longer to but that something you want. Debt is evil IMO.

The only 2 things I can understand going in debt for is a home and a car. If you go into debt for anything besides that, you are asking for trouble somewhere down the road.

agreed...i dont really have any bills besides this crap...only pay about 20000 a year in total expenses,,,i have it a little easier then most in my area

 

[Mr. dB]

Is it possible to re-finance an auto loan?

 

[walliwalibus]

Yes you can re-finance a auto loan, but after a year or two.

 

[Mr. dB]

Yes you can re-finance a auto loan, but after a year or two.

Yeah, it's gonna take time for him to repair his credit anyway.

But instead he'll probably just do more damage.

 

[HAYEZ]

Yeah, it's gonna take time for him to repair his credit anyway.

But instead he'll probably just do more damage.

thanks bro

 

[puddlemonkey]

my parents filed bankruptcy like 5 years ago...had like 70k in credit debt...lolol erased it all

lol at least now we know where your retarded decision making came from.

 

[Mr. dB]

thanks bro

Sorry guy, I'm not knocking you or your lifestyle, but damn you're not wise with your money.

Apart from the cash emergency fund, do you have any savings? An IRA or 401K at least?

All this instant gratification is going to catch up with you unless you can reverse the trend.

 

[HAYEZ]

Sorry guy, I'm not knocking you or your lifestyle, but damn you're not wise with your money.

Apart from the cash emergency fund, do you have any savings? An IRA or 401K at least?

All this instant gratification is going to catch up with you unless you can reverse the trend.

ive only been working less then 3 years now, avg between 10k-30k in savings at anytime..making 70k a yr...i think i do ok...and i dont have to work check to check..my total bills including housing are less then 2000 a month...living in a area where the typical 2 bedrom rents for apprx 1800+ a month...
i hear ya on the advice though...

 

[Beachboy6294]

lol at least now we know where your retarded decision making came from.

ROTFLMAO!!!!!!

 

[Arabian]

mercedes 500 ...i got screwed price wise but car is mint with 30k...worth it..makes my job easier to influence my customers

This has to be a joke..You are a car dealerships wetdream.. they bought the rate for 12% looked at your credit pushed you with a finance company they are in bed with split the difference and are making 8% a piece.. which equates to around $19,000 in interest .. What type of job do you have that you need to fictiously impress people? Why not buy a 06 Taurus with 25k on it for $12,000 to 14,000 until you get your credit clear.. its a nice ride and is a business car.. I dont understand people... you will never get out of debt.. you are trying to impress the women with that car.. sad thing is , when you take them to a nice restaurant cant pay the bill because your car payment is due.. they will laugh at you,, you could always go dutch..lololol

 

[puddlemonkey]

This has to be a joke..You are a car dealerships wetdream.. they bought the rate for 12% looked at your credit pushed you with a finance company they are in bed with split the difference and are making 8% a piece.. which equates to around $19,000 in interest .. What type of job do you have that you need to fictiously impress people? Why not buy a 06 Taurus with 25k on it for $12,000 to 14,000 until you get your credit clear.. its a nice ride and is a business car.. I dont understand people... you will never get out of debt.. you are trying to impress the women with that car.. sad thing is , when you take them to a nice restaurant cant pay the bill because your car payment is due.. they will laugh at you,, you could always go dutch..lololol

He's young and dumb, you're wasting your breath. Apparently picked up some of these ridiculous habits from his parents so we can't be too hard on him.

 

[Arabian]

He had better keep his parents bankruputcy attorneys name because he will need to call them in about 6 months when the bank repos his jacked up benz////loloolol

 

[Beachboy6294]

He had better keep his parents bankruputcy attorneys name because he will need to call them in about 6 months when the bank repos his jacked up benz////loloolol

LMAO what's up buddy?

 

[HAYEZ]

you guys are fantastic!!!

 

[Arabian]

LMAO what's up buddy?

Hey pal

 

[puddlemonkey]

you guys are fantastic!!!

Its called tough love.

 

[HAYEZ]

Its called tough love.

its all good..

 

[Lestat]

you got screwed bro

 

[Beachboy6294]

Hey pal

Nothing just watching this damn hurricane! It's looking better as of right now!

So what made you decide to get the COTB? I was thinking about it but this board has really been declining in people lately. I know alot of the peeps that I talked to have left and then some banned too so I'm not sure if I'll stick around to do that.

 

[Mr. dB]

you guys are fantastic!!!

Well, you've given us some good material.

If you're making $70K/year and have low monthly expenses, you have no excuse for not having a good start on a retirement portfolio after three years. Except that you can't resist the bling. A salesman in his 20s doesn't NEED an S-Class to impress clients.

How many times a day do you eat in a sit-down restaurant?