:tdown: to Mike Smith GMC/Buick/Pontiac

NYSpeed Automotive NYSpeed Off Topic
281

[quote=“Rx3,post:277,topic:28128"”]

Wow. $44/month savings. Epic.

So let me get this right. You did all this to “save money”, yet you are still locked into a long term loan?

$44/month is what…$520 or so a year in savings?

Gonna save on insurance huh? All those “savings” will go right into your gas tank this summer and you will STILL have to shell out, there’s no savings there. Even if you are putting regular 87 octane in ($.30 difference from 93 octane) you are getting half the mpg of the car, and filling up a BIGGER gas tank. Have you not been paying attention to where gas prices are expected to be by the time June rolls around?

Something tells me ~$500 “savings” means you’ll be living with your parents for quite some time.

Meanwhile you buy a nice ECONOMICAL CAR for say $5000, even if you repaired the thing a few times, it would never get anywhere near $16,000. Insurance would be EVEN CHEAPER, gas would be CHEAPER, repairs would be cheaper because last I checked, parts for trucks cost more than parts for cars.

Seriously do you ever think to sit down and think before you do something? Ever?

[/quote]

stop using logic faggot or meet me behind hybrid to bloddy your knuckles…

282

“Stop talking like a fool!, or youre goin to meet my freind PAIN”

:rofl:

283

[quote=“MikeRi24,post:271,topic:28128"”]

This brought my monthly payment down to $348. this saves me $44 a month.

my insurance was almost cut in half, and i got the GM Certified Used warranty on the truck (this adds value to me because the GTO did not have that and if something broke i would have to pay out of pocket).

I also dont want to buy an older car because, lets face it, its gonna break. i dont care if its a honda or a toyota, something thats old and cheap is gonna break (besides the fact that im 6’2" @ about 250 and probably couldnt even fit in one)

[/quote]

$348?

I bought a Sentra XE for $350. I have had it since 2002, I have spent a couple hundred to keep it going. Let’s put all the oil changes, cheap brakes, nickle and diming to a $1000 total. I only stopped driving because I did’t feel like fixing a brake line. 24 city/35 hwy I got well over 30 months out of, and still have it sitting in a garage somewhere (probably waiting for the Hangover 150). So like a total ~$33 per month cost.

Sentra SE-R $500, I put NOTHING in that car except ~$20 for oil. It lasted 1 1/2 years before it threw a rod. Even with a leaky gas tank it got over 20 city/32 hwy So about a total vehicle cost of $28 a month.

I could go on with other pieces of shit cars but I think I have made my point. Josh is like 6’2"-6’3" and has no problem with these cars.

284

i bet paddock didnt like the fact that you turned around their deal to you for a profit, and bought a car somewhere else :lol:

285

christ. I leave the country and 5billion stupid things happen. That’s nearly double. I must absorb some idiocy…

286

[quote=“MikeRi24,post:271,topic:28128"”]

ok, to answer a few questions…

i only paid $16,000 for the GTO because i got hooked up from my work. Mike Smith didn’t know this. so, for 4 years, my payments for the GTO were $392 a month at 8% through GMAC.

they gave me $20,500 for my car. so, that covered the buyout on the loan and gave me ~4 grand to put down on the truck. My bank was also having a deal on Used Car Loans at the time, so they were able to finance me for 4 years at 5.5%. This brought my monthly payment down to $348. this saves me $44 a month.

my insurance was almost cut in half, and i got the GM Certified Used warranty on the truck (this adds value to me because the GTO did not have that and if something broke i would have to pay out of pocket).

I also dont want to buy an older car because, lets face it, its gonna break. i dont care if its a honda or a toyota, something thats old and cheap is gonna break (besides the fact that im 6’2" @ about 250 and probably couldnt even fit in one)

so, even if i do end up spending that $44 i save on my monthly payment on gas, im still saving money on insurance and potentially on the cost of repairs. im sorry if you dont agree with that.

[/quote]

im about 6’1" and at about 240 and i fit in both of my cars just fine. i have a honda accord and an e30 bmw. you’re not making any sense. do what you want, its your money, i just think youre a fucking retard.

btw, i priced out how much my accord has cost me to drive it for the last year or so and came up with $.82 per day. that leaves me a lot of extra money to put into the bimmer, and get sloppy drunk on an almost nightly basis. ftw. and to think, all that ive replaced in over 1 year was exhaust and a gas line. i really need to do that ball joint btw…

so much for a honda breaking all the time… no such thing

287

I got $20 bucks that says he’s bankrupt 6 months after he gets his first real job.

Seriously dude, if you ever make real money get an accountant that controls your spending. You’re frighteningly irresponsible with money. You needed a daily driver. You bought the biggest truck with the biggest engine you could find. You justified it as being financially necessary, even though not even the numbers make sense. Wow. You’re a walking Lewis Black skit. “Just think about that for a second…And now I know why people have aneurisms…”

288

http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif http://img.photobucket.com/albums/v181/87FOXGT/Picard2.gif

289

i used to bitch about you making a poll and a thread about every decision you had to make…but now i see why.

in 3 weeks when you want to trade your truck in on a helicopter or something, make a thread about it with a poll.

290

[quote=“87FOXGT,post:288,topic:28128"”]

[/quote]

WINNAR!!!

291

i mean in all honesty i think the only thing that really bothers me is that you try to justify it with logic. there was no logic that i can see in your decision past it being an impulse buy and just wanting instant gratification of something new. it’s your money so do whatever the fuck you want with it, but don’t tell me it was a smart decision.

292

http://www.frontrowking.com/comedians/lewis%20black/bcf_black_435.jpg
“You wanted to save money to be able to afford to move out. So… you bought a 3/4 ton work truck with an 8.1L motor. I repeat. You bought a 3/4 ton work truck with an 8.1 liter motor. To save money.”

293

[quote=“BikerFry,post:292,topic:28128"”]

snip

[/quote]

idk who you are…but your posts on many occasions get me LOL-ing. i love it.

294

rofl x jesus

295

he is James Fry… AKA Biker FRY.

he is in my opinion one of the WISEST! guys here and he definetly knows his shit that is for sure

so a HUGE :tup: to Mr. Fry.

296

[quote=“BikerFry,post:292,topic:28128"”]


“You wanted to save money to be able to afford to move out. So… you bought a 3/4 ton work truck with an 8.1L motor. I repeat. You bought a 3/4 ton work truck with an 8.1 liter motor. To save money.”

[/quote]

lol

“if it wasnt for my HORSE, i would have never finished that year of college”

the fuck?

297

Aw I think I’m gonna cry. :sniff: I’m just a crabby old 25 year old internet-time-waster. I’m actually quite pleasant and passive and not nearly as cynical in real life. For example, if I had met Mike in person and he had said “hey check out my truck that I traded my GTO for” my response would have been “Wow, that’s an awesome truck” because it is an awesome truck and his finances and decisions are none of my damn business.

But alas, it’s the internet. Everyone, myself included, is 10 feet tall and bulletproof and knows everything about everything and what’s best for everyone.

298

[quote=“Rx3,post:277,topic:28128"”]

Wow. $44/month savings. Epic.

$44/month is what…$520 or so a year in savings?

[/quote]

sweet, that’s like a month and a half’s rent payment

299

[quote=“94wvwglxvr6,post:296,topic:28128"”]

“if it wasnt for my HORSE, i would have never finished that year of college”

[/quote]

:lol::lol::lol::lol::lol::lol::lol::lol::lol::lol::lol::lol::lol::lol::lol::lol::lol:

300

[quote=“MXS,post:298,topic:28128"”]

sweet, that’s like a month and a half’s rent payment

[/quote]

not even 1 month rent over here…

I dunno Mike, I can see where you wanted to do the more responsible thing etc. but that many liters and the size of that tank just scare me vs. cost of gas.

Hell it costs me 40 to fill my Impreza which I hate, I can imagine that truck is damn near 100…