hegemony Posted December 30, 2020 10 hours ago, scott31337 said: I must be weird, I enjoy renting a Rav4 and actually would pick it vs a Jeep or other choices. It practically drives itself. I'm with you; Jeep or Hyundai is a step down from the vanilla bean Yota. Quote Share this post Link to post Share on other sites
centex Posted December 30, 2020 10 hours ago, scott31337 said: I must be weird, I enjoy renting a Rav4 and actually would pick it vs a Jeep or other choices. It practically drives itself. Much depends on whether it has to be new and also what the intended use would be...I would much rather have one of the older Wranglers (or better, a Scrambler) with the V8 and twin-stick manual. Those things will go damned near anywhere (which is, of course, why the winch is a must-have). The new ones...filled with bloat and cannot be optioned new in a manner that makes sense. Quote Share this post Link to post Share on other sites
scott31337 Posted December 30, 2020 APPROVING BANK: Kia Motors BUREAU PULLED: Equifax CREDIT SCORE: 741 SOFT PULL/HARD PULL: Hard CUSTOMER STATE OF RESIDENCE: TX NEW/USED: New YEAR OF VEHICLE: 2021 MAKE: KIA MODEL: Sportage S Nightfall Premium MILEAGE: 12 FINANCE/LEASE: Finance PURCHASE PRICE: 33397.68 AMOUNT OF LOAN: 30500 TERM CONTRACTED: 72APR/LEASE RATE: 0.9 MONTHLY PAYMENT: 434.69 ANNUAL INCOME: 42k $30k on a KIA making 42k! Another winner... 2 cv91915 and hegemony reacted to this Quote Share this post Link to post Share on other sites
DPB Posted December 30, 2020 3 hours ago, scott31337 said: Sportage S Nightfall Premium Sounds like a video game. “Nintendo Switch Sportage S Nightfall Premium Edition” Limited Edition, pre-order your copy today! 3 centex, hegemony and scott31337 reacted to this Quote Share this post Link to post Share on other sites
scott31337 Posted December 30, 2020 You did it even better eh? $791 payment on 50k income, but I'll have it paid off in 2-3 years... If you have a 2021 car and no life, I could believe it. But I doubt you would've bought this then... APPROVING BANK: Navy Federal CU BUREAU PULLED: TU CREDIT SCORE: 716 SOFT PULL/HARD PULL: HP CUSTOMER STATE OF RESIDENCE: VI NEW/USED: New YEAR OF VEHICLE: 2021 MAKE: Toyota MODEL: RAV4 Adventure MILEAGE: 9 FINANCE/LEASE: Finance PURCHASE PRICE: $42,163 AMOUNT OF LOAN: $42,163 TERM CONTRACTED: 60APR/LEASE RATE: 4.69% MONTHLY PAYMENT: $791.24 ANNUAL INCOME: $50k DEBT TO INCOME RATIO: 5% (before car loan) MISCELLANEOUS COMMENTARY: Cars in the VI are a lot more expensive. Planning on paying this off in 2 to 3 years max. Started over because life happens. I did it again even better this time. My highest score last time was 680 1 1 Big Bear and hegemony reacted to this Quote Share this post Link to post Share on other sites
hdporter Posted December 31, 2020 9 hours ago, scott31337 said: You did it even better eh? $791 payment on 50k income, but I'll have it paid off in 2-3 years... If you have a 2021 car and no life, I could believe it. But I doubt you would've bought this then... Quote APPROVING BANK: Navy Federal CU BUREAU PULLED: TU CREDIT SCORE: 716 SOFT PULL/HARD PULL: HP CUSTOMER STATE OF RESIDENCE: VI NEW/USED: New YEAR OF VEHICLE: 2021 MAKE: Toyota MODEL: RAV4 Adventure MILEAGE: 9 FINANCE/LEASE: Finance PURCHASE PRICE: $42,163 AMOUNT OF LOAN: $42,163 TERM CONTRACTED: 60APR/LEASE RATE: 4.69% MONTHLY PAYMENT: $791.24 ANNUAL INCOME: $50k DEBT TO INCOME RATIO: 5% (before car loan) MISCELLANEOUS COMMENTARY: Cars in the VI are a lot more expensive. Planning on paying this off in 2 to 3 years max. Started over because life happens. I did it again even better this time. My highest score last time was 680 If that monthly debt load of roughly $200/mo (5% DTI ratio, $50k ann inc) includes housing payment (the ratio is useless, if not), then I have to interpret "Starting over" to mean crawling back to his/her mother's womb. 1 StarkRaven$ reacted to this Quote Share this post Link to post Share on other sites
hegemony Posted December 31, 2020 1 scott31337 reacted to this Quote Share this post Link to post Share on other sites
hegemony Posted December 31, 2020 (edited) 2020 in a nutshell... claims to make >300k but needs 6 years to pay off an overpriced used car at 5% APR. APPROVING BANK: Porsche Financial Services BUREAU PULLED: Equifax CREDIT SCORE: 713 CUSTOMER STATE OF RESIDENCE: FL NEW/USED: Used CPO YEAR OF VEHICLE: 2016 [so built almost 6 years ago] MAKE: Porsche MODEL: Panamera GTS MILEAGE: 29k [that's about 70k on another brand] FINANCE/LEASE: Finance PURCHASE PRICE: 67995 AMOUNT OF LOAN: ~$69k TERM CONTRACTED: 72 APR/LEASE RATE: 4.99% MONTHLY PAYMENT: $1050 ANNUAL INCOME: $316k DEBT TO INCOME RATIO: 25% MISCELLANEOUS COMMENTARY: I should’ve put more down but Porsches generally hold their value well. With CPO warranty for 2 years and Covid work from home life equating to less driving, I hope to not depreciate it this by a ton before trading in for a 911 lease when CPO warranty expires. I probably throw some cash at the principal at some point. ETA: same poster that owns this from last month: Edited December 31, 2020 by hegemony 2 Big Bear and scott31337 reacted to this Quote Share this post Link to post Share on other sites
hdporter Posted December 31, 2020 Note to self: Take a break from CB (particularly the myFICO thread) next year during the holiday season! < Reading "stupid people tricks" narratives actually depresses my mood around this time of year > 1 hegemony reacted to this Quote Share this post Link to post Share on other sites
hegemony Posted December 31, 2020 4 hours ago, hdporter said: Note to self: Take a break from CB (particularly the myFICO thread) next year during the holiday season! < Reading "stupid people tricks" narratives actually depresses my mood around this time of year > you just determined my New Years Resolution: no myfako!!!!! 2 hdporter and scott31337 reacted to this Quote Share this post Link to post Share on other sites
StantheMan Posted December 31, 2020 5 hours ago, hegemony said: 2020 in a nutshell... claims to make >300k but needs 6 years to pay off an overpriced used car at 5% APR. APPROVING BANK: Porsche Financial Services BUREAU PULLED: Equifax CREDIT SCORE: 713 CUSTOMER STATE OF RESIDENCE: FL NEW/USED: Used CPO YEAR OF VEHICLE: 2016 [so built almost 6 years ago] MAKE: Porsche MODEL: Panamera GTS MILEAGE: 29k [that's about 70k on another brand] FINANCE/LEASE: Finance PURCHASE PRICE: 67995 AMOUNT OF LOAN: ~$69k TERM CONTRACTED: 72 APR/LEASE RATE: 4.99% MONTHLY PAYMENT: $1050 ANNUAL INCOME: $316k DEBT TO INCOME RATIO: 25% MISCELLANEOUS COMMENTARY: I should’ve put more down but Porsches generally hold their value well. With CPO warranty for 2 years and Covid work from home life equating to less driving, I hope to not depreciate it this by a ton before trading in for a 911 lease when CPO warranty expires. I probably throw some cash at the principal at some point. ETA: same poster that owns this from last month: Anyone who buys this model for the price indicated and actually makes 300k+ and has to finance for 6 years shows that there is very little correlation between income and brains. 3 scott31337, hegemony and Big Bear reacted to this Quote Share this post Link to post Share on other sites
DPB Posted January 1 11 hours ago, hegemony said: you just determined my New Years Resolution: no myfako!!!!! I’m calling your bluff. 1 hegemony reacted to this Quote Share this post Link to post Share on other sites
hegemony Posted January 1 13 hours ago, DPB said: I’m calling your bluff. so far: zero days looking at myfako junior varsity forDumBs. 1 hdporter reacted to this Quote Share this post Link to post Share on other sites
hegemony Posted January 12 On 1/1/2021 at 9:13 AM, hegemony said: so far: zero days looking at myfako junior varsity forDumBs. ^^^ 12 days and counting!! 1 Big Bear reacted to this Quote Share this post Link to post Share on other sites
hdporter Posted January 12 How time flies when you're not noshing down at the inanity buffet ... Quote Share this post Link to post Share on other sites
DPB Posted January 13 9 hours ago, hegemony said: ^^^ 12 days and counting!! What’s the over/under on how long this lasts? We should start a pool. Quote Share this post Link to post Share on other sites
cv91915 Posted January 13 14 hours ago, hegemony said: ^^^ 12 days and counting!! 12 days is the Puppy Playing Solitaire Spade. 1 2 Big Bear, TheVig and hegemony reacted to this Quote Share this post Link to post Share on other sites
hegemony Posted January 13 13 hours ago, DPB said: What’s the over/under on how long this lasts? We should start a pool. thus far, I am sleeping better at night. 1 MarvBear reacted to this Quote Share this post Link to post Share on other sites
TheVig Posted 19 hours ago I'm so greatful for these interest paying fools. It's afforded my creditors the ability to offer me nice spend bonuses during these uncertain times. 2 hegemony and MarvBear reacted to this Quote Share this post Link to post Share on other sites
