Shit.........[facepalm] forgot who I was supposed to post +1 for
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Shit.........[facepalm] forgot who I was supposed to post +1 for
Prolly for me.....tks man
I wasn't planning on using it.Quote:
Originally Posted by HoneyBadger
I might use it to buy a car sooner than I had anticipated, but we'll see. I'm not behind on any bills or anything. I wouldn't use it for that, silly.
Quote:
Originally Posted by Irving
Famous, NEVER EVER HEARD, last words
Why would you borrow against your house to buy the only asset that loses value like a brick in water? Why borrow at all? Why not just save for a few months and pay cash?
Correct. At least that's what you two have been talking about.Quote:
Originally Posted by HoneyBadger
Whereas i mentioned RAINY DAY FUND and was dismissed. He's borrowing against a semi solid investment to "possibly buy" a solid depreciating investment.
Myself. I open a rainy day packet and make use of it. No Interest, No monthly payment, Nothing. Except i now have to restock that source.
MMMMMmmmmmmm Who's financial savvy now?
Evidently You do.
Why the Hate Bro ?Quote:
Originally Posted by Westy
[LOL]
It's going to be nice the rest of the week. Get to painting.
Well, I'm currently borrowing a vehicle to work out of, and it gets terrible gas mileage. So while projections show that I can save the cash in under 3 months, I'm coming the gas tank every single day. The amount of interest I'd pay on a sub 10k loan that is paid off in under six months will pale in comparison to the $24 a day I'm currently paying in gas.
I currently have $40,000 worth of available credit without the HELOC, so having additional credit available is not likely to change my spending habits and get me into trouble.
I'm really trying to just use cash, but if the burden on family gets to be too great, I'd rather place the burden on myself via a loan if necessary.
Final note, I've got enough equity in my house that I would be setting up a HELOC, regardless, it just so happens to be bad timing. I didn't apply with the idea in mind to buy a car. Remember that I don't WANT to buy another vehicle.
Oh, and I came in here to say I think I saw Monkey and company trolling down Southbound I-25 in fancy cars today.
And I'm sorry for not giving you enough credit! [LOL]Quote:
Originally Posted by Great-Kazoo
How expensive of a car do you think you need to satisfactorily do your job while minimizing expenses?Quote:
Originally Posted by Irving
I can get 30 mpg out of an '05-'06 Jeep Liberty diesel. I'm seeing them on Craigs list from $6-$9k. There are some required upgrades to get the mileage, otherwise it is still 25mpg (compared to the 17.5mpg I'm averaging now). Upgrades should cost $2k or so and can be done over time, NOT financed.
I can do my job out of the car I have now, but the company won't let me because it's a car. As soon as new car is in the picture, Amigo is getting sold. Little bit of adjustment for new job, but so far the pay has been worth it, and we're not even in busy season yet. Another consideration for buying asap is that I won't have time to be shopping for cars and making upgrades during busy season.
Quote:
Originally Posted by Irving
That sounds like a pretty good plan. Why aren't you allowed to work out of a car? Just because a car with a ladder on the roof looks silly or what?
That's pretty much their opinion.
Okay, not EVERY car looks silly with EVERY ladder...something to think about. Talk amongst yourselves...but we've seen the pictures, just sayin'.
I don't disagree with their opinion, but it sounds like a stupid policy.Quote:
Originally Posted by Irving
It's unfortunate that something as silly as cosmetics affect such personal decisions. ...now this is starting to sound like gun laws.
I'd like to rock a nice square bodied wagon as the roof is long enough to hold onto a big ladder with ease. Most roof racks are 4' front to back, so with a 32' extension ladder, you've got 6 feet hanging off of either end if you center the ladder. However, with most SUVs, the rack is toward the back so you run the ladder forward a bit and have 5' hanging off the back and 7' off the front. It doesn't feel all that great on a cheapy factory roof rack. I've seen some pretty heavy duty basket style racks that would work much better. Oh, I managed to squeak out 18.93 mpg today on 99% highway mileage. I think I could do better if I stayed at 65 mph and behind a semi truck the whole time, but I don't always have time for that. Today was a stupid day though, with going to Monument, then to Brighton, then back down to downtown Colorado Springs, then back home.
ouch. That's a lot of driving for one day.Quote:
Originally Posted by Irving
That just means more time to listen to new music on YouTube. I feel like I'm in high school again and just discovered Metallica. Next will be more financial pod casts. Still packing lunch every day and while the $20 a day in gas hurts a bit, I know that many people spend at least that much eating out every day, on top of what it costs them to drive around. Talk about a double ouch!
Or a dating service.Quote:
Originally Posted by HoneyBadger
Don't be silly. Banning the shoulder ladders that go up things from cars is perfectly reasonable. It's for the childrens!!!1!!!111!!Quote:
Originally Posted by HoneyBadger
But on the serious side that rule is dumb. All you need is a clean car with a safe attachment point. Bonus points if you can attach magnetic company logo signs to the door.
Irv,
How does the total cost of ownership on gas vs diesel pencil out nowdays? 30mpg with diesel more expensive than gas, equals 25mpg on a gas car? (Numbers pulled from pluckin region) Don't forget to pencil in the extra cost of oil changes on a diesel vs gas, you will be doing a lot of them.
I was wondering that myself just now. The next option is a Honda Element with 24 mpg and similar prices with less maintenance. Same issue with roof rack, but more (and newer) models from which to choose, as well as better interior and easier to find fuel. Not to mention that while I plan on doing most maintenance myself, it is a lot easier to find a good Honda mechanic than a common rail diesel mechanic.
Liberty can double as a true off-road vehicle and can take things like larger tires or light towing (which I don't generally do) with less of a hit in gas mileage.
You're a hoe.
Tell me about it.
Quote:
Originally Posted by Irving
You're getting sidetracked. FOCUS on a work & possibly family specific unit. The element is a nice idea. You also need to look at RESALE VALUE. Will the liberty hold value @ 150K like the Element will?
I know once you start dicking around with Larger Tires, off road this & that. To another driver with visions of off road heaven in his head, yes it may hold value. To the average driver, not at all.
A LIBERTY FER CHRISS SAKES [facepalm]One cramped SUV trying to pass itself off as a Real OFF Road unit
You want resale value, with all wheel drive goodness - 19-23mph (in town) buy a sienna. I have one, full time AWD, roof rack, power seats, windows, fold down here, slide there.
It's the same drive train and tow capacity as the taco. BUT with sleeper AND covered storage all in one unit.
Quote:
Originally Posted by hghclsswhitetrsh
Ah yea Ho's everywhere
With the possibility of putting 50k on a vehicle in a year, coupled with the fact that I've never gotten rid of a working vehicle in my life, resale is a lower priority to me than for most other people. Besides that, I completely agree.
The Sienna is the minivan right? I may consider those as well. I have zero image issues.
Hoe: a garden implement.
Yeah, whatever you buy, you need to assume that the value is almost immediately gone with the number of miles you'll be putting on it.Quote:
Originally Posted by Irving
Sienna is the minivan. Really fun to drive, quick V6 for a mini. The newer 4wd have run flats, costly pain in the arse.
Who is staying up late? This guy!
Who hates night work? This guy!
Neither do iQuote:
Originally Posted by Irving
Mine is AWD with run flats. I want to drop a few gas cans and spare tire on the roof rack, cover it in mud and drive it. Really fuk with people , slap a FEEL THE BERN sticker in the window. Keep it the only clean area, besides the windshield on the van.Quote:
Originally Posted by Erni
I tell people i drive a Taco with custom Cab Over. They get all stupid when i tell them toyota calls it a Sienna. Derpiness ensues.
https://sp.yimg.com/xj/th?id=OIP.M21...=0&w=300&h=300
If I had cash to burn I would jack up the Sienna and put a lift kit and some 33s on there.
Nighty night hos.
Yup, yup.Quote:
Originally Posted by HoneyBadger
Should be in bed now, gotta fly in the morning. Just finished packing.
Quite the ordeal today with the wife's rental car due to delayed flights. I'll make my own rant post... maybe. too tired and pissed off right now.
Some of the best post & threads start with being overtired.Quote:
Originally Posted by brutal
See what I mean.
Well, I WAS planning on straying up for at least 3 more hours... But I totally forgot that I had scheduled my main computer to update to Windows 10 at 11pm. Everything I was working on just closed and shut down and now 22 minutes later, it is 24% done. Fuuuuuuuuuck.
This is true...Quote:
Originally Posted by Great-Kazoo