sboram24

so, after waiting it out yesterday, VW came back with revised "option 3" (see above). it would be $25K, $450/mo., 1.98%. They had previously offered me $18.4K for my car which I owe $20K for and were requiring $2K down. Now they are offering me $19K and requiring $1K down. @marv bear: as I understand it, the down would take care of the negative equity. am i mistaken? it doesn't appear by the lease sheet that they are adding anything from my current loan on to the lease amount. @BRBiz: between myself and my BF we have three cars, so i would use one of his two cars for personal use. but i see your point and could write off perhaps 50% instead of 100%. i also agree about buying the 7 yr old car. it was only an option and not really one that i thought made much sense. i've been to other dealers but probably about a year ago. no one was willing to give me anything less than 10%

my current car is worth about $19K. the new dealership that offered options 1 and 2 (VW credit) is going to give me $18.4K for my current car and i would put $2K down. they said i would come out even, with no negative equity. the ex is an ex-BF so there's no divorce decree. i've tried many times to get him to refi in his name only but he's either not qualified or been told he can't because the car is too old. he'd have to trade it in for something new, which he can't afford on his salary. the loan for his car is up in november of this year so it would be better for him to just finish it out. i think i forgot to mention my income, which is $7.5K/mo.

Hello all, It's been a while since I posted but I've run into a big dilemma and I really need some sound advice. And what better place to get it! Story: About 3.5 years ago, I bought two cars. One was for the ex and the other for me. The ex has made his payments on time every time, and his balance is down to $3K. However, due to having two car loans, the ability to refinance my car which has a balance now of $20K has been futile. I've made all my payments on time, but it doesn't seem to have mattered. At the current time, the fiance and I are planning on starting a family and buying a house soon. My current car is a coupe and is not "baby friendly." I would also really like to quit my full-time job to be able to do my freelance business full time (which is currently growing faster than I can keep up with while having the full-time job). And this is why I'm posting: I'm trying to figure out what the best option would be in terms of my car and lowering my payments etc. Here is what I'm looking at: Option 1: keep car i have now. balance on loan: $20K payment: (try not to be shocked) $677/mo interest: (try not to be horribly shocked) 15% i can only deduct the interest on these payments for my business (as I am doing this year). disadvantage is that this loan stays on my credit and I've tried to refinance but have been unsuccessful. Option 2: buy a 2007 vehicle. purchase amount: $15K payment: $370/mo interest: 14.9% mileage: 75K Option 3: lease a 2014 vehicle with an option to buy. purchase amount: $25K payment: $498 interest: 2.3% i can deduct all the payments for the life of the lease (3 years), minus the IRS inclusion amount which isn't much (as I have understood it). the other advantage is that i would have paid my infiniti off, my credit gets better because I don't have two car loans on my credit. Any other advice/options would be greatly appreciated. Thanks!

unleashedfury -- i see where you are coming from... a couple of my friends have had kids and we have drifted apart. i don't have a problem so much with them having no time to devote to hanging out...where i have a problem is when they stop calling completely. then i get a random email saying, come hang out, it's my birthday, etc. if you can't hang out in person, at least call me once in awhile and let me know you're ok, you're family is ok, and maybe ask if i am ok. otherwise, when it comes time for you to celebrate something etc. i'm not going to be so willing to be like, hey! it's you! lately i have contemplated my friendships with certain people. two women in particular... both of them have completely shunned me since i started dating our mutual friend a year ago. one of the women likes to "one-up" me everytime my BF, her, and me hang out. he and i are quiet different and that's fine. but she likes to say things to agree with him even though she may not care and/or know much about what she's agreeing with... for example: Me: I hate fishing. BF: I love fishing, I really like catching XXXX Her: I love fishing too! I also really like catching XXXX. Geez, sboram24, why don't you like fishing? that's just a made up conversation, but that's pretty much how they go. it's severely annoying and i am tired of putting up with it.

my parents never allowed me to sleep in the same room as my BFs until they were sort of forced into the situation when i was about 24. now, they don't care too much. but my mother still gripes that it's not old fashioned and she doesn't really like it.

SO and i moved in with eachother after about 4 mos of dating. his former roommate had not paid rent in 4 mos when SO found a letter from the landlord threatening eviction. SO used to give his share of rent to the roommate and believed he was paying rent. i asked him if he'd like to come live with me, and i laid out some ground rules on what to pay, how much etc. of course, i had known him for 3 years, as a friend prior to us dating so i already kind of "knew him." we're still living together... i like living with an SO after some time because, like someone mentioned earlier, you never really know a person until you know their living habits. *OP -- maybe give your SO a key? tell them that they can feel free to come by whenever, but that they're not to move their stuff in just yet. maybe taking that baby step will help you in the process and make them happy too.

Ok...Hold the Phone!! "Review: Not Bad" ??? I need to take you to some wine classes with me. I need to know about the nose, what's on the bouquet? Does it have hints of spice, chocolate? Boysenberry? Is it woodsy? DEPENDS ON HOW IT WAS AGED... I'VE HAD A PINOT NOIR THAT STRAIGHT TASTED LIKE BLACK PEPPER. I'VE HAD OTHERS THAT WERE MORE SMOKEY, AND SOME MORE BERRYISH What do the Legs look like? TEXASDAD -- IF YOU SWIRL THE WINE IN THE GLASS, THE LEGS COME FROM THE SYRUP-Y/ALCOHOL THAT SLIDE DOWN THE SIDES. IT DOESN'T ALWAYS INDICATE A GOOD WINE IF IT HAS GOOD LEGS. if you like reds you should try Heitz Cellar's cabernet.

down to earth... i....i....i don't even know where to begin with that one.... um thanks? the phrase itself just makes no sense to me.

i'm a female and have been told "you deserve better" also. i do think it is a cop out. that said, maybe there is something that you are putting out there that attracts these kind of women to you? when you are too nice, people will easily walk all over you and thus, they become bored because they know they can get away with anything. it is okay to be nice, but sometimes "nice" can be construed as "weak." make sure you are maintaining an air of confidence with your niceness.

break up with him (in a friend sense)! he sounds like he's making you a rebound too... just not in the physical aspect.

i wouldn't care what other people thought, as long as it was something i liked. and i don't think it makes you skanky or trashy to have one. however, i do think that when you work in certain fields/professions, and this may not apply to you, you have to be careful to place them in spots that may not be so visible. people in the corporate world, don't tend to appreciate "body art," however beautiful it may be. it's not that it's trashy, it's considered unprofessional. there is still a certain stigma surrounding people with tattoos.

i have the google g1 touch phone. i like it a lot. coming from a crackberry, i was a little hesitant, because i really liked my crackberry. i did consider going over to verizon for the blackberry storm touch phone. but it doesn't have wifi, and even though i liked the look and feel better than my g1, it didn't really sway me to leave tmobile.

did anyone read this? this is the reason why animals become vicious...people beating their animals as if it's going to help their already bad behavior. a three year old should not be in a backyard alone. period. having had two Rotties myself growing up, i know that they can be territorial. the dog was in its own yard and doing what its instincts told it to do, which was to protect. why are people surprised? and carnage -- to your post about training animals... some dogs are just stubborn and stupid. one of our Rotties we put through $$$ thousands in special training, and all she could do was sit. but it doesn't mean that because she couldn't understand German and open doors with her paws that she was vicious.

i don't have kids myself...yet but i know with my parents, my dad used to kiss on the lips when i was very young. since i was in middle school it's been cheeks. my mom still kisses me on the lips. but with her, it's a cultural thing. (most of her family being of French descent). and i don't think it's inappropriate. if i ever have kids, i think i'll just follow what my parents did since it seemed to work out alright.

i'm surprised i got 85