SoCal Lounge II
04-13-2010, 10:25 AM
touche...but it is a once in a lifetime chance...
rory has two rx8 exhausts sitting in his garage, WAITING to be installed....and I'm on a much faster track for my 8 than he is
but I don't think I want his AP on my car...*sigh* okaaaay....I'll wait....I HATE being forced to be patient >.<
rory has two rx8 exhausts sitting in his garage, WAITING to be installed....and I'm on a much faster track for my 8 than he is
but I don't think I want his AP on my car...*sigh* okaaaay....I'll wait....I HATE being forced to be patient >.<
04-13-2010, 10:40 AM
Hrm...it wouldn't be too far fetched for me to buy them for you Joe, so long you uphold a promise to pay me back. Just an idea if you want it for that price.
Or if you know someone there then apply the same idea.
Or if you know someone there then apply the same idea.
04-13-2010, 10:40 AM
Lol It takes to much work to take it off and put it back on. I'm super lazy man.
Thank P You'll bee seeing allot more of my *** on MW2 lol.
Fawk my cars gonna be down for like 2 weeks. I need to buy a Schwinn...
Fawk my cars gonna be down for like 2 weeks. I need to buy a Schwinn...
04-13-2010, 10:48 AM
04-13-2010, 10:51 AM
Well trust me, at my age and position it's not a big deal. I'm offering it because I took out a new CC with 0% interest to splurge on mods for my 8. They don't collect a dime of profit off me as I will pay it off before end of the year before the intro period ends. I already got 4k racked up on it, adding 400 and then deducting 400 of it which never effects my pocket isn't a big deal.
Just putting it out there but of course only if you're positively sure you'll take them.
Just putting it out there but of course only if you're positively sure you'll take them.
04-13-2010, 10:56 AM
@ Rev.Figured someone would say something like that.
For his case as the huge discount price and an item that goes quick like the AF SS, just trying to help out is all. I'm not offering it as a middle man generally speaking.
Get your own damn card.
04-13-2010, 11:08 AM
Jess: Just buy it, if you don't end up using it you can just sell it and maybe even make a profit.
vlaze: Hell of an offer for Joey bro. Props!
vlaze: Hell of an offer for Joey bro. Props!
04-13-2010, 11:10 AM
Just explaining what I do in case someone else would like something MEOW and doesn't have cash yet but plans to pay it off in 12 months.
If you have good credit which you can get in your mid 20's (maybe earlier depending when you got your first CC and loan history, etc) you get offers all the time in the mail for GOOD CC's. I wait until a hook line sinker attempt is made for the 0% interest with no annual fee for 12 months comes. I've done this thrice now. 2 of the cards I kept because Discover card gives me wicked cash back bonuses and I've collected over $200 from them in just over a year.
The idea is you need to set up a forecast to see if you can afford something in the long run. I did this with some home entertainment stuff and my current mods for my car. I created and use an excel sheet that I use to put in my weekly costs (food, rent, utilities, gas, special trips, taxes, etc - anything else on the side) to see how much money I'll have left from my paycheck at the end of the month and establish a forecast of it for a year. Below that, I run a mirror that posts the actual cost I spent that week and update the forecast bi-weekly based on the actual. This allows me per say I want to spend 5k in mods, see if I can afford to pay the minimum monthly-non-interest fee and if I have money to pay it off before the end of the intro period and not own them a dime. This way you're essentially able to splurge on stuff paying what acts like a lease and pay it off before the intro period is done.
You do not do this if you are unsure on your job stability, cannot pay the minimum each month and so forth in case **** hits the fan, I will say that. IF you do and **** hits the fan, you are gonna be owing them more than what's in debt on the card in the end like any typical CC and with the new restrictions the gov't is putting on CC companies, your interest rate after the intro will hit the roof.
So that's how I've done it and works for me
If you have good credit which you can get in your mid 20's (maybe earlier depending when you got your first CC and loan history, etc) you get offers all the time in the mail for GOOD CC's. I wait until a hook line sinker attempt is made for the 0% interest with no annual fee for 12 months comes. I've done this thrice now. 2 of the cards I kept because Discover card gives me wicked cash back bonuses and I've collected over $200 from them in just over a year.
The idea is you need to set up a forecast to see if you can afford something in the long run. I did this with some home entertainment stuff and my current mods for my car. I created and use an excel sheet that I use to put in my weekly costs (food, rent, utilities, gas, special trips, taxes, etc - anything else on the side) to see how much money I'll have left from my paycheck at the end of the month and establish a forecast of it for a year. Below that, I run a mirror that posts the actual cost I spent that week and update the forecast bi-weekly based on the actual. This allows me per say I want to spend 5k in mods, see if I can afford to pay the minimum monthly-non-interest fee and if I have money to pay it off before the end of the intro period and not own them a dime. This way you're essentially able to splurge on stuff paying what acts like a lease and pay it off before the intro period is done.
You do not do this if you are unsure on your job stability, cannot pay the minimum each month and so forth in case **** hits the fan, I will say that. IF you do and **** hits the fan, you are gonna be owing them more than what's in debt on the card in the end like any typical CC and with the new restrictions the gov't is putting on CC companies, your interest rate after the intro will hit the roof.
So that's how I've done it and works for me
04-13-2010, 11:20 AM
And if you want me to get REALLY in depth I'll let you in on a secret....
Cash, or rather paper money, is only another form of IOU...
I'm sure Jedi with his banking background knows this.
Cash, or rather paper money, is only another form of IOU...
I'm sure Jedi with his banking background knows this.
