# girl at work **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [August 19, 2005, 6:32am UTC](https://forums.speedlife.net/t/girl-at-work/176407 "2005-08-19T06:32:09Z")\ **Posts on this page:** 20\ **Page:** 5
**Author:** ![Sight\_N\_Sound](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sight_n_sound/32/5950_2.png) [@Sight\_N\_Sound](https://forums.speedlife.net/u/Sight_N_Sound)\ **Post date:** [August 19, 2005, 12:23pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/81 "2005-08-19T12:23:05Z")
> [@Darkstar](#): > > buying something that depreciates 20% the instant you drive it off the lot will never be a good idea. It IS an investment. Not an investment to try and turn a profit, but its an investment nonetheless. Its not an investment and pot isn’t legal. :rolleyes: ---
**Author:** ![Sight\_N\_Sound](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sight_n_sound/32/5950_2.png) [@Sight\_N\_Sound](https://forums.speedlife.net/u/Sight_N_Sound)\ **Post date:** [August 19, 2005, 12:24pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/82 "2005-08-19T12:24:07Z")
> [@Darkstar](#): > > #1. I dont know anyone that needs to take out a loan to get a computer of shoes. > > #2. You dont re-sell your computer/shoes after a couple years. um I sold my computer and people usually get loans or credit cards. you are being such a stupid fuck in this thread, you must be high… ---
**Author:** ![fshowcars](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fshowcars/32/5937_2.png) [@fshowcars](https://forums.speedlife.net/u/fshowcars)\ **Post date:** [August 19, 2005, 12:24pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/83 "2005-08-19T12:24:19Z")
> [@Darkstar](#): > > #1. I dont know anyone that needs to take out a loan to get a computer of shoes. > > #2. You dont re-sell your computer/shoes after a couple years. 1# ever meet a basketball player? 1. i resell old computers all the time… want one? p3 1.0ghz 40gig HD 256+ram = $250 lmk 😉 ---
**Author:** ![SVshine03](https://avatars.discourse-cdn.com/v4/letter/s/258eb7/32.png) [@SVshine03](https://forums.speedlife.net/u/SVshine03)\ **Post date:** [August 19, 2005, 12:24pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/84 "2005-08-19T12:24:39Z")
HAHA oh boy - I agree cars are not investments…They get you from point A to B with hopefully no problem ---
**Author:** ![fshowcars](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fshowcars/32/5937_2.png) [@fshowcars](https://forums.speedlife.net/u/fshowcars)\ **Post date:** [August 19, 2005, 12:25pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/85 "2005-08-19T12:25:02Z")
i’m sure darkstar is just fucking around… a car is an investment if you think of an investment as deferring payment! ---
**Author:** ![Darkstar](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@Darkstar](https://forums.speedlife.net/u/Darkstar)\ **Post date:** [August 19, 2005, 12:28pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/86 "2005-08-19T12:28:06Z")
> [@fshowcars](#): > > \NO FOR CHRISTS SAKE! > > 70000 - 12000 = 58000 sell for 59000 = +1000 > > so you just spend 11000 on a car that, for that time , should of cost you 12000 and you have no loan over your head. > > so you just ‘made’ 1000 meh, just beaucse the rate at which you’re paying off the loan is slightly faster than the depreciation of the car doesnt mean that you’re making any money by selling it for slightly more than what you owe on it. What if you double up your payments every month? If you paid off $24,000 instead of $12,000 and then sold the car for $58,000, does that mean you made $11,000? Fuck no. ---
**Author:** ![Darkstar](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@Darkstar](https://forums.speedlife.net/u/Darkstar)\ **Post date:** [August 19, 2005, 12:30pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/87 "2005-08-19T12:30:35Z")
> [@Sight N Sound](#): > > um I sold my computer and people usually get loans or credit cards. > > you are being such a stupid fuck in this thread, you must be high… a computer costs $1,000. A car costs $25,000 (unless you get a cavalier, and then its less than a computer…). Anythign that you dump a year’s salary into (or somewhat close to it), is an investment. Sure you’re not gonna make a profit on it, but you can try to control your losses. ---
**Author:** ![fshowcars](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fshowcars/32/5937_2.png) [@fshowcars](https://forums.speedlife.net/u/fshowcars)\ **Post date:** [August 19, 2005, 12:31pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/88 "2005-08-19T12:31:49Z")
> [@Darkstar](#): > > meh, just beaucse the rate at which you’re paying off the loan is slightly faster than the depreciation of the car doesnt mean that you’re making any money by selling it for slightly more than what you owe on it. What if you double up your payments every month? If you paid off $24,000 instead of $12,000 and then sold the car for $58,000, does that mean you made $11,000? Fuck no. it does if you take into ocnsideration the amount you would of paid on the interest. like i stated, a car isnt’ an investment, so you aren’t going to MAKE MONEY… basically if you buy a car you are emersing yourself in debt… and if you happen to get out of that debt without paying extra you are ‘making money’. but… 70000-24000 = 36000 - 58000 = -22000 + 24000 (that you paid) = 2000 then you just saved 2k by spending the extra 2k montly for 2 years. ---
**Author:** ![Darkstar](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@Darkstar](https://forums.speedlife.net/u/Darkstar)\ **Post date:** [August 19, 2005, 12:33pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/89 "2005-08-19T12:33:21Z")
you people can call a house an investment. All it is is wood and bricks. You live in it. A car is steel and plastic. You drive it. Whats the difference besides that one can possibly appreciate and the other will most assuredly depreciate? You HAVE to have a car. You HAVE to have a house. ---
**Author:** ![fshowcars](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fshowcars/32/5937_2.png) [@fshowcars](https://forums.speedlife.net/u/fshowcars)\ **Post date:** [August 19, 2005, 12:35pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/90 "2005-08-19T12:35:26Z")
> [@Darkstar](#): > > you people can call a house an investment. All it is is wood and bricks. You live in it. A car is steel and plastic. You drive it. Whats the difference besides that one can possibly appreciate and the other will most assuredly depreciate? You HAVE to have a car. You HAVE to have a house. a house’s property value is really what the resale is based on… but the house structure does add to the resale becuase the purpose of a house is to retain resale, not live in it until it falls apart 1. a car is ‘disposible’… there are junk yards for cars, not houses ---
**Author:** ![Darkstar](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@Darkstar](https://forums.speedlife.net/u/Darkstar)\ **Post date:** [August 19, 2005, 12:35pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/91 "2005-08-19T12:35:58Z")
> [@fshowcars](#): > > it does if you take into ocnsideration the amount you would of paid on the interest. > > like i stated, a car isnt’ an investment, so you aren’t going to MAKE MONEY… basically if you buy a car you are emersing yourself in debt… and if you happen to get out of that debt without paying extra you are ‘making money’. > > but… > > 70000-24000 = 36000 - 58000 = -22000 + 24000 (that you paid) = 2000 then you just saved 2k by spending the extra 2k montly for 2 years. im not saying its a good investment, but its a an investment nonetheless. You’re still spending a shitload of money and trying to come out as far ahead as possible. But instead of trying to be wise about it to make a profit, you have to be wise about it to try and lose less on the deal. Bottom line is that if you let some other sucker take the nasty hit of driving it off the lot for the first time and let him absorb that insta-depreciation you’re a lot better off. ---
**Author:** ![Darkstar](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@Darkstar](https://forums.speedlife.net/u/Darkstar)\ **Post date:** [August 19, 2005, 12:37pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/92 "2005-08-19T12:37:22Z")
> [@fshowcars](#): > > a house’s property value is really what the resale is based on… but the house structure does add to the resale becuase the purpose of a house is to retain resale, not live in it until it falls apart > > 1. a car is ‘disposible’… there are junk yards for cars, not houses I understand cars are disposable. They have whole lots of them. You can spot them from miles away by the big Bowtie and/or blue oval way up in the air. ---
**Author:** ![Darkstar](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@Darkstar](https://forums.speedlife.net/u/Darkstar)\ **Post date:** [August 19, 2005, 12:37pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/93 "2005-08-19T12:37:55Z")
im off to work. I’ll continue educating SNS when I get home. ---
**Author:** ![fshowcars](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fshowcars/32/5937_2.png) [@fshowcars](https://forums.speedlife.net/u/fshowcars)\ **Post date:** [August 19, 2005, 12:38pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/94 "2005-08-19T12:38:12Z")
yeah and no! hahaha… my purpose for buying a car isn’t to keep myself on top of the loan… it was to buy a car i liked and drive the hell out of it… luckily i don’t have a shitty taste in cars and i picked one that retained resale. regardless, i probably won’t buy new unless it’s for a wife that ‘needs’ a new car for the ‘piece of mind’… ---
**Author:** ![77rednecktruck](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/77rednecktruck/32/5966_2.png) [@77rednecktruck](https://forums.speedlife.net/u/77rednecktruck)\ **Post date:** [August 19, 2005, 12:38pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/95 "2005-08-19T12:38:34Z")
> [@fshowcars](#): > > 1. people buy cars for different reasons… BUT everyone buys a car for transportation… so, redneck69 for example, would rather drive raound in a rust bucket F150 and have his old lady drive an altima, and if they want a bigger car, they’ll get a crown vic… now myself, i woudln’t be caught dead driving a crown vic, mainly because this isn’t the sabotage video from beastie boys, but also because they are ugly as fuck… i buy cars i like and that are fun… it’s my primary transportation, but i’m not skimping at my check book each month to make payments so i could give a fuck with how much i could save on a monthly payment if i bought some piece of shit car that i don’t like. > > if you buy a car, drive it and sell it blue book and are able to pay off your loan and have extra $, you did something right. I agree, but everyone and their grandma knows that buying a new car is not very smart(financially). My buddy buys a new car every 2 years, he loses tons of money every other year. I know a lot of people that buy cars just becasue they can. It’s small dick syndrome. I’m glad you buy new and think you are getting a good deal, but you really are not. Our situations are completely different, but the reality is - buying a new car is not real good for your bank account compared to buying a used car. ---
**Author:** ![ShalerPunk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/shalerpunk/32/5976_2.png) [@ShalerPunk](https://forums.speedlife.net/u/ShalerPunk)\ **Post date:** [August 19, 2005, 12:39pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/96 "2005-08-19T12:39:02Z")
> [@Darkstar](#): > > anything that costs ~$20,000 is an investment to people like us. You could have bought a slightly used car and be paying $150 a month and have the same warranty. Or pay that same $250/mo and have it paid off a few years earlier. You act like the second the car comes off the lot it turns into a lemon. We’re not talking about people buying a 10 year old car with 150K miles on it. We’re talking about buying a car thats 1-2 year old with under 20K miles on it. what kind of car can you get for $150/month that comes with a 100k bumper-to-bumper warranty? $150/month would get you about a $6500 car. What the fuck do I want with a $6500 car? Too expensive to be a beater, not enough cash for a new car. ---
**Author:** ![fshowcars](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fshowcars/32/5937_2.png) [@fshowcars](https://forums.speedlife.net/u/fshowcars)\ **Post date:** [August 19, 2005, 12:40pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/97 "2005-08-19T12:40:47Z")
> [@77rednecktruck](#): > > I agree, but everyone and their grandma knows that buying a new car is not very smart(financially). My buddy buys a new car every 2 years, he loses tons of money every other year. I know a lot of people that buy cars just becasue they can. It’s small dick syndrome. I’m glad you buy new and think you are getting a good deal, but you really are not. > > Our situations are completely different, but the reality is - buying a new car is not real good for your bank account compared to buying a used car. well if you are someone that already has and will continue to budget a car payment regardless, then it’s not really that bad. so… if you are going to go through with buying a new car all the time like your buddy or my boss, then you DON"T put anything down and walk out with a brand new car… then you eat the downpayment on the tradein value on the next new car and just make sure you can get your loan covered by keeping the car clean and not racking up miles and there you have a car that you are basically leasing with no money down, but you own it. i don’t think that anyone is going to argue with you that buying a used car is cheaper than new! ---
**Author:** ![Sight\_N\_Sound](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sight_n_sound/32/5950_2.png) [@Sight\_N\_Sound](https://forums.speedlife.net/u/Sight_N_Sound)\ **Post date:** [August 19, 2005, 12:45pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/98 "2005-08-19T12:45:04Z")
> [@Darkstar](#): > > you people can call a house an investment. All it is is wood and bricks. You live in it. A car is steel and plastic. You drive it. Whats the difference besides that one can possibly appreciate and the other will most assuredly depreciate? You HAVE to have a car. You HAVE to have a house. A car unless a classic with a demand (IE people who still want the 20+ year old car) will always looses value. Your home will gain value over the years. Try buying a home and see how the market reacts and how your value fluctuates. Our home was worth more than what we paid for it and the value contines to go up as we remodel. You get different returns for different remodles but it still goes up. Part of it is due to a house (shelter you know that term form school if you were fucking high all day) is a necessity not a fucking toy like a car. A car is a luxury. Not a necessity… ---
**Author:** ![Sight\_N\_Sound](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/sight_n_sound/32/5950_2.png) [@Sight\_N\_Sound](https://forums.speedlife.net/u/Sight_N_Sound)\ **Post date:** [August 19, 2005, 12:47pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/99 "2005-08-19T12:47:22Z")
> [@Darkstar](#): > > im not saying its a good investment, but its a an investment nonetheless. You’re still spending a shitload of money and trying to come out as far ahead as possible. Maybe thats what you are doing when you buy a car, which makes you a poor invester so shut up. Most people buy a car for point a to point b transportation and nothing more. WHICH HAS BEEN STATED NUMOROUS TIMES IN THIS THREAD. ---
**Author:** ![ShalerPunk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/shalerpunk/32/5976_2.png) [@ShalerPunk](https://forums.speedlife.net/u/ShalerPunk)\ **Post date:** [August 19, 2005, 12:49pm UTC](https://forums.speedlife.net/t/girl-at-work/176407/100 "2005-08-19T12:49:10Z")
> [@fshowcars](#): > > i don’t think that anyone is going to argue with you that buying a used car is cheaper than new! exactly. i just assume that I’ll always have a $300 car payment and it’s in my budget. I don’t worry about repairs, and I’ll always have a fairly new vehicle. Period, end of story. When I’m 28 or 29, I’ll do it all over again. [Previous page](https://forums.speedlife.net/t/girl-at-work/176407.md?page=4) [Next page](https://forums.speedlife.net/t/girl-at-work/176407.md?page=6)