SoCal Lounge II
02-19-2010, 04:35 PM
RX8 & RX7 owner
Anyways Joey.. i was just ******* around.. I was laughing.. but not at you. I was laughing at the fact that they are ******* YoYo ing you. In reality the car is on "their time" they wont release it until its fully done because they know its an insurance job and have to return it to Stock form. Just chill... I know what you are feeling like.. I have wrecked my car twice. So trust me I know. And it hurts even more when it comes outta your own pocket ($3.5k)...And I didnt fix it over night either... It took me about 7 months to fix my car... piece by piece, paycheck by paycheck...
02-19-2010, 04:35 PM
I understand that you wnat to pay it off early.. But why? Are you planning to trade it in before it decreases anymore in value? Im just saying dont go broke over a car. A car will not feed you nor clothe you. Thats how many people lost their house and everything they had. They wanted to make double the house payment every month and then when they lost their job... and instead of saving money to have incase of emergencies... they lost their house. Had they not paid double every month, they would have had enough money saved up to keep the house and live comfortably until they found another job. Dont survive off nickels and dimes over a car. And Working two jobs just to afford a car will kill you. Ive done it... and it takes life away....
i dont plan on getting rid of the car unless i have to. i also dont want to pay all the wasted money in interest and i wanna get of out this contract as fast as possible. i took a 4 year plan into 3 maybe less. i just dont see the point of wasteing money on interest. i have abour 8k left on it. once i get it off ill be saving $500 a month.
02-19-2010, 04:38 PM
I concur with Zumn's post
Reason: I'm going to go on a limb here and say Ryan lives w/his family members. He has the financial support of someone else. Though he may not rely on it, he may have it. I say to find the best result is to combine what zumn said to do and put away some 'rainy day money' and continue to pay his car off sooner. He may suffer now but the end result is what's most important. If his employment falls thru he'll have a safety net to stop the bleeding (so to speak) and it'll give him enough time to bounce back on his feet as long as he stays focused. And if his employment stays steady then he'll be a happy new owner WITH BETTER CREDIT and extra cash in his pocket from his safety net.
win-win
Reason: I'm going to go on a limb here and say Ryan lives w/his family members. He has the financial support of someone else. Though he may not rely on it, he may have it. I say to find the best result is to combine what zumn said to do and put away some 'rainy day money' and continue to pay his car off sooner. He may suffer now but the end result is what's most important. If his employment falls thru he'll have a safety net to stop the bleeding (so to speak) and it'll give him enough time to bounce back on his feet as long as he stays focused. And if his employment stays steady then he'll be a happy new owner WITH BETTER CREDIT and extra cash in his pocket from his safety net.
win-win
02-19-2010, 04:39 PM
RX8 & RX7 owner
NIKK- have you been working out? (no homo) at the SBD meet you looked like you jumped on some weights...Compared to what I remember that you used to look all AZIAN and tiny at the Beach cruises....??? Its a serious question... Its all that MW2 working out your fore arms that you are getting bulkier or is it the fact that you just JACK OFF tooo damn much? 
02-19-2010, 04:41 PM
Daddy's Home...
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i understand what zumn is saying, but i don't have anything else to pay for really other than my car.
i have the financial stability of living at home so i don't have to spend money on anything else but my car. i make my monthly payments plus gas...unfortunately, i only make minimum wage (8/hr) so my paychecks don't get me very far...if i was making more than of course i'd be saving.
i have the financial stability of living at home so i don't have to spend money on anything else but my car. i make my monthly payments plus gas...unfortunately, i only make minimum wage (8/hr) so my paychecks don't get me very far...if i was making more than of course i'd be saving.
02-19-2010, 04:42 PM
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NIKK- have you been working out? (no homo) at the SBD meet you looked like you jumped on some weights...Compared to what I remember that you used to look all AZIAN and tiny at the Beach cruises....??? Its a serious question... Its all that MW2 working out your fore arms that you are getting bulkier or is it the fact that you just JACK OFF tooo damn much?
haah for serious?
the exact opposite. i haven't been working out at all.
i really should, but idk. maybe its because i'm getting fatter for not working out too much at all.
02-19-2010, 04:42 PM
Also to add onto my point. If his car loan is on a simple interest loan structure, paying it in shorter increments (SP) w/larger amounts - more will be paid towards principle instead of interest. Which means he'll get the car sooner than if he paid on his regular schedule.
Trick to this tho is since he already started paying double a month - if he stops paying now - the amount that goes to interest will fluctuate against his favor.
Simple interest loans will make a break you. You gotta know how to play before you try and mess around.
Trick to this tho is since he already started paying double a month - if he stops paying now - the amount that goes to interest will fluctuate against his favor.
Simple interest loans will make a break you. You gotta know how to play before you try and mess around.
02-19-2010, 04:43 PM
Administrator
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or he could be unemployed and use the unemployment check to buy stupid stuff to perpetuate the cycle. 
02-19-2010, 04:44 PM
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Atilla: I might be persuaded to go to the lounge tonight.
who else is going?
who else is going?
02-19-2010, 04:45 PM
RX8 & RX7 owner
Atilla: +1 I agree... When I first got my RX8 in 05 I also had the support/financial net of living with my family... but at the end of 07.. it was all up to me. No more family support/ safety net. And it got Hella Hard...for a minute I thought I was going to have to sell my 8 and take the loss....(was when i had crashed it) But yeah Ryan just be careful.
Ryan: On another note... You work at Hollister right? Well since you survived the winter and now its going to be summer time im sure there is going to be even more business at that place... so im guessing you have nothing to worry about. But then again you might have to end up banging that Ugly Manager you mentioned sometime ago. Take one fore the TEAM
Ryan: On another note... You work at Hollister right? Well since you survived the winter and now its going to be summer time im sure there is going to be even more business at that place... so im guessing you have nothing to worry about. But then again you might have to end up banging that Ugly Manager you mentioned sometime ago. Take one fore the TEAM
02-19-2010, 04:48 PM
RX8 & RX7 owner
Cockfest in here.... 
... Wheres all the Wimminz at? I know Volcom has a Vagina and long hair.. but that doesnt count 
...
Currently Active Users Viewing This Thread: 8 (8 members and 0 guests)ZumnRx8, Jedi54+, nikkdizzle+, Atilla, Gr8Bullet, tubingchamp, volcomx31, J03K1LLARX8
... Wheres all the Wimminz at? I know Volcom has a Vagina and long hair.. but that doesnt count ... Currently Active Users Viewing This Thread: 8 (8 members and 0 guests)ZumnRx8, Jedi54+, nikkdizzle+, Atilla, Gr8Bullet, tubingchamp, volcomx31, J03K1LLARX8
02-19-2010, 04:50 PM
Well also guys you have to concider the economy rightnow. I got my car before it hit the fan thinking all is good. I pay for my car all myself only thing is it's under my parents name. They arn't helping me with it at all. I work hard for and I enjoy it.
I have a feeling Renesis and Atilla are hiding something that we are not suppose to know about![mike[piston eater]'s Avatar](https://www.rx8club.com/avatars/mike%5Bpiston-eater%5D-48728.gif?dateline=1334247180)
02-19-2010, 04:55 PM
im so happy my unemployment paid my school, books, and gas to and from school for this semester, now that means the money i get here and there from cleaning house feeding my dads friends horses and stuff goes to my car :]
02-19-2010, 05:00 PM
02-19-2010, 05:00 PM
RX8 & RX7 owner
Atilla: isnt Hugo the dude with the dubs with teh lamboghini doors?
I need a drink too.. but last time i drank was for my BDAY FEB3 and I was puking like there was no tomorrow....best day ever. Im conserving all my monies for my build, and some bills that all of a sudden want to rip me a new *******.
I need a drink too.. but last time i drank was for my BDAY FEB3 and I was puking like there was no tomorrow....best day ever.
Im conserving all my monies for my build, and some bills that all of a sudden want to rip me a new *******.