# So I've been a bigger R-tard than usual (financial guys step in)
**URL:** https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574
**Category:** NYSpeed Off Topic
**Created:** [February 3, 2016, 4:19pm UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574 "2016-02-03T16:19:53Z")
**Posts on this page:** 13
**Page:** 2
### Author:  [@Wahoo](https://forums.speedlife.net/u/Wahoo)
#### Post date: [February 4, 2016, 3:00pm UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/21 "2016-02-04T15:00:49Z")
> [@ubengineering](#):
>
> You should start a build^^
>
> And @**[maxwell](http://www.nyspeed.com/member.php?u=43942)** lol thanks. I can def say when I was 18 on this board I said some stupid ass shit lmao, I think the only reason I wasn’t banned was because I inspected 90% of the cars on this forum.
>
> 
>
> @**[ultradriver10000](http://www.nyspeed.com/member.php?u=850)** - I am no longer looking for wheels. I had 3k put aside that the grown up inside me put towards the principal on my mortgage.
>
> FYI this photo was taken at the delicious Break N Eggs on Main. I got a really nice parking spot.
Looks nice, its my favorite color combo
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### Author:  [@ubengineering](https://forums.speedlife.net/u/ubengineering)
#### Post date: [February 4, 2016, 3:01pm UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/22 "2016-02-04T15:01:14Z")
Thanks for the kind words.
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### Author:  [@maxwell](https://forums.speedlife.net/u/maxwell)
#### Post date: [February 4, 2016, 3:05pm UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/23 "2016-02-04T15:05:14Z")
@ubengineering you know I’m just playin’. I was a young punk on this forum, too. Great car. Must have been a great feeling picking it up. Congrats.
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### Author:  [@ubengineering](https://forums.speedlife.net/u/ubengineering)
#### Post date: [February 4, 2016, 3:46pm UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/24 "2016-02-04T15:46:37Z")
My ankle was killing me on the 6 hour drive home, these cars do not have cruise control, well not that year anyways. But thanks!
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### Author:  [@Wahoo](https://forums.speedlife.net/u/Wahoo)
#### Post date: [February 4, 2016, 3:56pm UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/25 "2016-02-04T15:56:32Z")
It was actually a car i planned to buy one day too, gen 2 gts’s are the best looking imo.
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### Author:  [@ubengineering](https://forums.speedlife.net/u/ubengineering)
#### Post date: [February 4, 2016, 5:28pm UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/26 "2016-02-04T17:28:36Z")
Viper’s are not as expensive as most people think, though they are actually appreciating. I paid 37 for mine, was offered 45 4 months later. But I don’t ever plan on selling this car.
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### Author:  [@livin4hockey](https://forums.speedlife.net/u/livin4hockey)
#### Post date: [February 4, 2016, 5:35pm UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/27 "2016-02-04T17:35:43Z")
> [@ubengineering](#):
>
> FYI this photo was taken at the delicious Break N Eggs on Main. I got a really nice parking spot.
Love that place :tup: Digging the car even more, and I’m a huge fan of that color combo to. Bring it out to a cars n coffee this year!
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### Author:  [@ubengineering](https://forums.speedlife.net/u/ubengineering)
#### Post date: [February 4, 2016, 6:12pm UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/28 "2016-02-04T18:12:45Z")
Will do! Thanks guys.
As far as the loan stuff goes, I’m just going to adjust my monthly payment to 700 a month to help kill some of the interest, no extra payments.
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### Author:  [@ryanbgb22](https://forums.speedlife.net/u/ryanbgb22)
#### Post date: [February 5, 2016, 4:34am UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/29 "2016-02-05T04:34:35Z")
> [@ubengineering](#):
>
> Viper’s are not as expensive as most people think, though they are actually appreciating. I paid 37 for mine, was offered 45 4 months later. But I don’t ever plan on selling this car.
Sound like you bought at a good time, I’ve been watching for about the past year and prices keep going in the wrong direction. I want a B&W 2nd gen really bad, but would settle for red too. Maybe next spring if I can avoid temptations of c6’s in the meantime.
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### Author:  [@boxxa](https://forums.speedlife.net/u/boxxa)
#### Post date: [February 5, 2016, 7:46am UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/30 "2016-02-05T07:46:18Z")
Any term based account like a loan will typically take any extra and apply it to the interest since the bank wants their money unlike credit cards where your $100 payment may be $30 goes to interest and $70 goes to the balance and anything above it goes to the balance. My bank had a box you had to check so if your payment was $200 and you payed $400, by default you wouldn’t have a payment next month but if you apply it to the principal, you would still pay each month. Screws a lot of people I am sure since they just are paying their interest in advance essentially and banks love it.
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [February 5, 2016, 8:16am UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/31 "2016-02-05T08:16:09Z")
> [@ubengineering](#):
>
> Will do! Thanks guys.
>
> As far as the loan stuff goes, I’m just going to adjust my monthly payment to 700 a month to help kill some of the interest, no extra payments.
no way, pay it off as soon as possible. If the bank isn’t playing nicely then save the extra and pay it off in one lump sum.
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### Author:  [@maxwell](https://forums.speedlife.net/u/maxwell)
#### Post date: [February 5, 2016, 8:42am UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/32 "2016-02-05T08:42:09Z")
> [@travisn](#):
>
> no way, pay it off as soon as possible. If the bank isn’t playing nicely then save the extra and pay it off in one lump sum.
?
By paying extra monthly and not doing so in smaller chunks multiple times a mo. he is in essence paying it off quicker while not getting hit with additional interest payments, thus the point of this thread…
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [February 5, 2016, 11:42am UTC](https://forums.speedlife.net/t/so-ive-been-a-bigger-r-tard-than-usual-financial-guys-step-in/273574/33 "2016-02-05T11:42:52Z")
Oh, I get it, sorry.
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