Anonymous
Anonymous
sounds like you need to buy something cheap to get you by for a year or so while you save money for a better down payment. You could look up ways to build credit and try and follow those.. I was always told to get a homedepot or sears card and buy something with it and pay it off just to build credit. I am sure your parents have a good reason for not co-signing
Prelude is probably the most fun you can have fwd.
>>4630188 >financing cars sage
Anonymous
Quoted By:
>>4630204 let me guess... your 16-17 years old
Anonymous
>>4630188 yea they can't really afford to take a chance, huge medical bills.
oh and what exactly is cheap? like 3-4 grand? 5-6 grand?
cause if things go how i want them with my current job i could pay off 6 g's in like 2 years.
Anonymous
>>4630218 I had a friend who limped a $600 chevy astro van around for like a year while he saved money.. he was in a different situation where he had a wife and 3 kids already. Its tough to go around with a pos when you want to be rolling in something better... but sometimes you gotta do what is right for the long term. When you save for a year or so then you will have enough for a decent down and then you can lower your payments too.
Anonymous
Quoted By:
>>4630167 >19 >not much money >theanswertoyourquestionisavolvo240.jpg Anonymous
>>4630246 yea i understand, its just im afraid if i get something that cheap it will fall apart in a matter of weeks. repair costs per month would have the potential to be more expensive than a payment on a decent car.
so really its a gamble either way. get a pos and take my chances with it falling apart, or finance a decent car and take the chance of it being repossessed or some shit later down the road.
random pic cause imports rule
Anonymous
>>4630167 aw11, preludes are ricer shit and insurance in them is priced like your going to wrap it around a tree in 3 months.
Anonymous
You can get a decent car for at least $2000, OP. Where are you located? Post your local Craigslist ads
Quoted By:
A walk me through buying my very first car because I'm a tittybaby (who can't make decisions without an imageboard's assistance) thread turns in to
>>4630295 >Post your local Craigslist ads a craigslist thread!
Anonymous
>>4630294 insurance won't be a problem. i have so many discounts with state farm, im lookin at around 100/month
>>4630295 bowling green ky
http://bgky.craigslist.org/cta/ Anonymous
More dun then a prelude. Confirmed.
Anonymous
Quoted By:
>>4630272 to this day the worst luck I ever had on a vehicle was on a 5k 98 s10.. all my other s-10s were decent and they were around 1500.. just bad luck with that one.. its a crap shoot no matter what if its used. You never know what the previous guy did to it until after you drive it for awhile.. then its an annoying game of detective.. sometimes high mileage vehicles are better because in order to run that long they had to have some maintenance done
Anonymous
Quoted By:
>>4630332 Fun. Fucking autocorrect. Have a black guy in front of a giant pump for my mistake.
Anonymous
You don't need a loan, OP. Car loans are one of the worst things you can ever get as you'll get fucked over paying for something that loses its value so fast. How much do you think you can save up? You also have to factor in insurance costs in mind.
Anonymous
Quoted By:
5g ludes are fucking awesome.
Anonymous
>>4630368 well every two weeks im putting back about 300 dollars
the only things i have to pay for are food and an 80 dollar insurance payment every month thats on my previous vehicle. btw still paying insurance on it so rates wont go up once i finally get another car.
i can and most likely will put back more money every month to speed the process up.
i could have about 2500 by the end of the summer. but right now im riding a bike half way accross town to work and back, and i dont wanna be doing that much longer.
Anonymous
Quoted By:
>>4630421 time to go play the lotto you broke ass bitch
Anonymous
>>4630421 I recommend waiting until summer. Gas prices are going to go through the roof in the next several months so you'll find people selling better cars by then.
Anonymous
Quoted By:
>>4630455 last time gas prices went high trucks got cheap and any decent mpg car got expensive
Anonymous
My algebra 2 teacher, who used to be a banker explained bank loans and interest, and even applied it to our age. He id everything home loans, car loans etc. He used the examples to explain the concept of interest.
Anonymous
>>4630469 good luck trying to get the home loan when you have never had any other loans... your teacher is right in the math area but when you factor in the real world.. well lol good luck with that bro... stay in school
>>4630469 The tl;dr of everything is.
Debt is for making money not losing it.
Anonymous
>>4630421 A motorbike saves gas. I know a ninja is dirt cheap, like 2k for a used one and gets 48mpg. you appear to be a poor fag OP, maybe you should stick with cycle, rising gas prices and all. cars are terrible investments and can break down, leaving you fucked by the dealer. A ninja on the other hand gets good mileage, and cheap parts. win-win jsut dangerous. but tradeoffs right? buyer beware OP
Anonymous
>>4630421 In all seriousness you won't get a car loan for anything passed 7 years old. Save up and try to get a small personal loan. I started with a 1000 dollar loan and haven't had problems since. Get an SHO.
Anonymous
>>4630479 I've also been thinking of getting a personal loan, how did you go about getting yours? Do they have minimum requirements?
Anonymous
>>4630473 lol im 26 and a college grad. I work as an electrical engineer. I bought my 26k hyundai genesis coupe cash. I brought it down to 22k with the cash. saved me 4k.
i pay everything cash. no credit cards, just debit for emergency
i can never thank him enough
Anonymous
Quoted By:
>>4630475 yfw realize that most who go into debt, end up fucking credit up and not making money. I understand what your staying thoguh. The debt is an investment in yourself to make cash. Its up to you to follow through.
Anonymous
>>4630469 op here
your teachers idea sounds good on paper, but how the fuck am i gonna save up 5k within months?
amd im pretty sure no one would give my ass a damn loan for a house with my credit history being shitty to non-existant.
Anonymous
Quoted By:
I would look in to a late 90's used subaru.
Anonymous
>>4630487 0/10
but so you feel included
not everyone will be an electrical engineer.. and I doubt that unless your parents paid your way through school that you could save enough money to pay for a 20k car while working only 2 years in that industry.. you start off (if you had high marks) at 40k max.. take out your costs of living and your story doesnt add up.. btw I really am an electrical engineer :D
Anonymous
Quoted By:
>>4630482 Through my bank I'm in very good standings with. Very small credit cards. Capital one is the easiest to get.
(????)? jdsm ?(????) !z4MXSuBARU
buy a 1200 dollar car and live with it while you save for a better one.
Anonymous
>>4630487 op again
nor do i have any of the experience you do under my belt
im a 19 yr old kid that rides a god damn bike to work everyday.
realistic advice for my situation would be appreciated.
Anonymous
Quoted By:
>>4630531 this sounds a lot like this
>>4630188 Anonymous
>>4630499 Is this car really that urgent? Now, if you its the only way to get to work then yeah, I guess you have no choice. But look at my motorcycle post and consider it. If you cant make 5k within months, you sound too young to be taking out loans. just be aware that the interest may very well make you wish you never took out the loan or saved up more before the loan. sicne you have a bike, your paying less for gas, if you switch to a car now, paying of that loan and gas will be a stretch. also look up a paleolithic diet . Healthy, nutritious, and cheap. OP if it isnt a absolute necessity you should save or use public transportation. y u no stick with bike for now?
Anonymous
>>4630478 yea i've been looking at getting a motobike to make things a little easier through the summer
Anonymous
Quoted By:
>>4630532 I know how you feel OP, I have to ride a bicycle 5 miles a day to college too. But you need to set your goals lower, you're not going to get a honda prelude unless you save up more money first. It took me two years to save up enough money to buy my first car.
Anonymous
>>4630515 I took otu student loans that i am nto paying. I live with my sister and we share rent and we use a paleolithic diet. I save like a mother fucker. no girlfriend. but ima ease up, and start enjoying more, i jsut wanted a nice car. Also, i asked for 6k from my bank to help me meet the 22k. I have already payed it off. I know its hypocritical, but it was a small loan, not a 22k loan. Plus idid this with a decent paying job. OP does not have this so thats why i advice against loans.
Anonymous
op hurrr
>>4630546 >>4630557 steps getting licensed and insured on motorbikes?
Anonymous
>>4630575 Forget it, it's going to be even more expensive than a car
Anonymous
>>4630557 just don't look at anything too nice.. at your age its all about paying your dues and learning how to get by with what you have... this will make you into a successful adult
Anonymous
>>4630532 Realistic advice from the algebra teacher student:
Go ahead, get a loan. Make sure to fuck you can pay that shit off mother fucker. You already now how if eel about interest and loans. if you have a doubt in your mind about it your not ready, dotn rush into this just because your tired of biking. dotn fuck shit up dude, please. make surer than sure.
see
>>4630564 Anonymous
>>4630557 Do it. You can have a whole hell of a lot of fun on a ninja 250, and you can get a used one for dirt cheap if you look at the 90's models. Just for the love of god, take the class and get quality protective gear.
Anonymous
>>4630577 how do you figure?
>>4630578 dude i know how to get by with what i have. i eat once a day and ride a bike to work.
i appreciate the advice though, one of the few reasonable posts ive seen
Anonymous
>>4630564 lol you still live with family at 26.. wtf man.. also nice way to out yourself as a liar.. you say you paid cash now you say you had a small loan.. your a fucking loser bro.. back to the trailer park with your burger flipping ass
Anonymous
>>4630585 Yeah, algebra 2 teacher guy here:
Ive always wanted a ninja 500. they look fun, but since i got the genesis, ive been putting it off, i want it for when i have more free time. A ninja 250 sounds perfect for you OP, if you dont mind the dangers of motorcycling though. Ive ridden a couple in my life without a license, in college i borrowed a buddies for when he went backpacking in europe, he said he was going to gt rid of it anyway. just remember
dress to slide, not to ride. the gear is not for if you fall off, its for when you fall off.
Anonymous
Quoted By:
>>4630595 new rider + insurance rates is going to fuck you over. the only cheap thing about a motorcycle is the gasoline costs
Anonymous
>>4630583 bro i get where you're coming from
its just at first your advice was way out of reach for me
im not about to rush into a loan, im trying to get as much advice i can so i can make an educated financial decision
Ford apprentice !5zb/EKX0ks
Quoted By:
obstacle you face is some patience too. Keep saving up. You'll need more than 1200.
Anonymous
>>4630601 Yes, i took out a small cash loan to buy the car. I told the loan approver that if the bank helped me complete the cash, i could get the car cheaper, and avoid taking out a long term loan. I payed it off at 15% interest. I had a decent payign job at the time so i could handle it. did you not read my post?
Also my sister and i went to the same college and have jobs in the suburbs. its just me and her, not my entire family. its economically smart. stop hatin.
Anonymous
>>4630621 do you and your sister sleep in the same bed too?
Algebra Guy !!MlC8AxlbNuW
Quoted By:
>>4630614 Good, then you should already know $1200 is not enough to make a wise financial decision. thats what you should take from this.
About the motorcycle costs, ride it illegally? I dont know the fines, maybe its worth it?
I would save atleast 3k for a 6-7k car, then take the loan. Like the other guy said: nothing too nice
Anonymous
>>4630603 yea but i want to be licensed and insured. dont wanna be breakin laws everyday you know?
Algebra Guy !!MlC8AxlbNuW
>>4630628 No dousche, 3 room 1 bathroom. Share the same bathroom . . . not at the same time.
>>4630632 I understand that, but nothing risked nothing gained right? Haha its whatever. What that guy said about patience being your obstacle is a factor too.
Anonymous
>>4630643 my god you are a fucking dumbass... op stop listening to this idiot troll
Algebra Guy !!MlC8AxlbNuW
Quoted By:
OP, forgot to mention impounded cars can be bought EXTREMELY cheap. The problem is the condition. But with skeptical buying I would not be surprised if you found a diamond in the rough (by diamond i dont mean bugatti but i mean a decent operating car for cheap). Car auctions too i think, but tat depends, im not sure never done an auction. before i decided on the genesis i went to impounded car lots. Im simply too picky and resolved that I can afford better so i saved for another year. best of luck OP
Anonymous
I love these kinds of threads on 4chan (or anywhere on the internet) where people are like 'pay for everything in cash' hurrr durrr.
Algebra Guy !!MlC8AxlbNuW
>>4630649 Why the fuck would I be a troll? Ive suggested public transportation and doing what he does now. Both are beyond OPs comfort zones. What the fuck do you want me to say? Go ask a rich guy for a spare car? Im just helping him brainstorm. In the end, ive said save. specifically 3k for a 6-7k car. Major fucking troll right?
Anonymous
>>4630643 yea man patience is virtue. but having patience is a different story
so far im thinking a ninja would be the best idea for the short term?
Anonymous
Where does op live? Being serious as is close enough I may be able to help out more.
Anonymous
Quoted By:
>>4630674 Yes, but seriously you're going to need to invest time and money in taking a motorcycle class. Riding a motorcycle is nothing like riding a bicycle or a car, the slightest fuckup will be very unforgiving and WILL kill you.
Algebra Guy !!MlC8AxlbNuW
>>4630660 I have already said that house loans are too major to be saved for and that loans are appropriate. Your a fucking idiot. I say cash in everything, I mean dont get a credit card and if possible save rather than take out a loan. fucking shit, read all the posts, not just one of them
Anonymous
>>4630673 not exactly out of my comfort zone. i dont have any problems with biking to work really, its just when the weather is shitty i have to find other ways to get there and back, which is tough
i just need a reliable way to get around, and if its a nice car then fuck yea
Anonymous
>>4630673 your a troll because you tell someone that has next to no money to buy everything in cash.. then tell him to ride a motorcycle with no license and no insurance.. you give advise like you have no life experience.. ffs nobody can really be this stupid.. you must be a troll
Anonymous
>>4630687 since your mister big bucks why don't you give the op some cash so he can go get himself a ride
Algebra Guy !!MlC8AxlbNuW
>>4630660 Also, implying a 19 ear old with a low paying job will get a <2.5% APR loan. You fucking turd.
>>4630695 Then you have answered it yourself OP, pedal to work. Also, a motorcycle will be just as bad in the rain. You will get wet.
>>4630696 Shit nigga you are retarded, Im suggesting shit he can do cause he seems like he doesn't now what to do. When i suggested saving and buying in cash, OP said too long, so then I said get a moto, then he said too long and costly, then just get moto no license, OP said too illegal. WTF man I can only help so much. I think the best advice i gave was the impound lots and save. fucking shit due you are straight up retarded and take shti out of concept
yes i mad
Anonymous
>>4630681 not going to give my address on god damn 4chan,
how about a generalized area?
its about a 3 minute bike ride to wku's campus
Algebra Guy !!MlC8AxlbNuW
>>4630711 angry typing:
*dude
*context
Algebra Guy !!MlC8AxlbNuW
>>4630717 try fake emails
>>4630710 argument ad hominem
fuck you. i earned that money and OP should earn his.
Anonymous
>>4630722 you should respond to this one too
>>4630710 Algebra Guy !!MlC8AxlbNuW
>>4630741 see
>>4630736 nice samefag btw
Anonymous
>>4630711 I usually find that people get angry when they are wrong and realize it
Anonymous
>>4630752 posting a minute, if that, after you reply.. lol internet tough guy
Algebra Guy !!MlC8AxlbNuW
>>4630753 no angry when someone pushes a button. Mine is when people take shit out of context. This guy did that like 4 times. He hasn't repsonded back cause he knows he's wrong
Algebra Guy !!MlC8AxlbNuW
Quoted By:
>>4630758 how am i tough guy? your retarded
Anonymous
Anonymous
>>4630711 btdubs a 5 minute moto ride to work in the ride not the same as 20 minute pedalin to work in the rain.
specially with protective gear
Anonymous
hey algebra I have been watching you try to argue your point against 3 people now and I see that you just keep digging a hole for yourself.. maybe you should just quit because you are pretty much wrong
Anonymous
>>4630783 btdubs a 5 minute moto ride to work in the **rain** not the same as 20 minute pedalin to work in the rain.
specially with protective gear
Algebra Guy !!MlC8AxlbNuW
>>4630787 How the fuck am I wrong? Why do I get the troll feeling?
>>4630788 Sure whatever, get a motorbike then. Get licensed and pay high insurance premiums whatever.
Anonymous
>>4630792 how much do you think the costs of an accident on a bike might be? with insurance and then without..
there was a guy near where I live that hit a power pole in his car.. took out a transformer and burned up about 200k work of electronics and gear at a local school.. he was fine.... that was because he was in a car though.. no insurance lol he is screwed for the rest of his life.
Anonymous
Quoted By:
>>4630792 why does it feel like my quest for good advice has turned into a unnecessary argument?
Algebra Guy !!MlC8AxlbNuW
>>4630805 Apparently the bike ride is only 5 minutes away ...I mean seriously?
Anonymous
Quoted By:
>>4630815 now thats the type of argument someone with no life experience would make
I actually own a car !BBcQVe8yuo
>>4630515 how the fuck do you end up with a 40k salary as an electrical engineer?
Ive pretty much sealed a job for 80k+ salary for my first job. Degree in Mechanical and energy engineering. I know its different but wouldnt you look up profitable jobs for your degree before you even went into it?
Anonymous
I actually own a car !BBcQVe8yuo
>>4630834 Actually not at all.
Why would you waste money on going to college to get a degree and then use it to earn the same amount of money you could be getting without that degree
Anonymous
Quoted By:
>>4630840 what did algebra get a new trip and then trying to reverse troll with it? get over it fucktard.. starting off EE's get around 40k starting off and work their way up
Anonymous
ok well preciate the help guys
Anonymous
Quoted By:
>>4630866 mopeds.. either way with any bike your still in the rain looool
Anonymous
Anonymous
Quoted By:
>>4630907 op here,
mannnnnn fuck the mall. shits gay.
