DakotaT
11 years ago
Zero, if you run into a cash cow all of a sudden, the first urge is to go on a spending spree. The fiscal conservative pays down his debt first.

Paying off that loan would be a very good thing to do, and it won't hurt your credit score at all. Think of it as fucking the banker that has been fucking you. Then if you want, go upgrade your vehicle, but get a better loan rate, in fact, message me with the terms offered and I can go through the numbers to determine your level of sodomy.
Zero2Cool
9 years ago
I am still seeking that cash cow, lol. Since I started this, my credit score has jumped nearly 200 points which I was expecting a healthy jump around May or June when the Sallie Mae double dipping efforts were abolished. So now the only debt I have are my student loans which I think I might start looking into getting a better interest rate and paying them off as soon as I can.

The purpose for bumping this was just an update of sorts and to say my goal was to buy a home this summer when I expected my score to jump, but goodness, the more I research into owning a home, it feels more like I'd be taking on two more kids.
PackFanWithTwins
9 years ago
If you pay $10/mo extra, you can cut about a year off the term of the loan. As stated before, remember to specify the excess to principle. Paying it off early won't hurt your credit score, it might just not be improved as much as it would have. If you pay if off early by making consistent payments of a higher amount, you will likely improve your credit just as much if not more.

An option if you can swing it, would be to pay it down part way fast, to a point where you can sell it for more than you owe. Just to get out from under the loan. Than buy a cheaper car. Not only would you save on interest, you would be able to cut your insurance cost as well. Over the long haul you would save big.

Once you get out from under the loan, make car payments to yourself. Put the money away and when it would come time to replace you will have the cash ready.

Very dependable cars can be had for $5000 or less. My 01 Altima was $5000 when I bought in 2011. It has 121K miles. today it has 240, and all I've needed to put into it has been gas, oil, tires, a battery, brakes and rear struts. Run Synthetic oil and only change the oil every 15,000 miles. It is starting to show body rust under the rear doors. Other than that, it should make 300,000 miles. That is unless my daughters who will be driving in another year decide to remodel it.
The world needs ditch diggers too Danny!!!
Zero2Cool
9 years ago
Oops, thought I mentioned this, but my car is paid off. The only financial debt I have now would be my student loans.
PackFanWithTwins
9 years ago

Oops, thought I mentioned this, but my car is paid off. The only financial debt I have now would be my student loans.

Originally Posted by: Zero2Cool 



Damn, quit reading 1 post to soon is seems.
The world needs ditch diggers too Danny!!!
dhazer
9 years ago

Oops, thought I mentioned this, but my car is paid off. The only financial debt I have now would be my student loans.

Originally Posted by: Zero2Cool 



pay mine off my truck is still 23,000 and my wifes car is 12,000




Just Imagine this for the next 6-9 years. What a ride it will be 🙂 (PS, Zero should charge for this)
DakotaT
9 years ago

I am still seeking that cash cow, lol. Since I started this, my credit score has jumped nearly 200 points which I was expecting a healthy jump around May or June when the Sallie Mae double dipping efforts were abolished. So now the only debt I have are my student loans which I think I might start looking into getting a better interest rate and paying them off as soon as I can.

The purpose for bumping this was just an update of sorts and to say my goal was to buy a home this summer when I expected my score to jump, but goodness, the more I research into owning a home, it feels more like I'd be taking on two more kids.

Originally Posted by: Zero2Cool 



Well, I can't get any of you morons to adjust how you look at the politics of the world, but at least you can take some financial knowledge and apply it.

Some people claim that owning a home is a key to obtaining wealth. I'm not totally convinced on that one. When you dive into the numbers and include taxes, upkeep, and mortgage interest - I believe renting is much cheaper. In your case, with the age of your daughters and them going off to school - buying a home probably does not make the best financial sense for you.
DakotaT
9 years ago

pay mine off my truck is still 23,000 and my wifes car is 12,000



Originally Posted by: dhazer 



None of you has the right call me stupid, ever!!!!!!!!!!! :thumbleft
Zero2Cool
9 years ago

Some people claim that owning a home is a key to obtaining wealth. I'm not totally convinced on that one. When you dive into the numbers and include taxes, upkeep, and mortgage interest - I believe renting is much cheaper. In your case, with the age of your daughters and them going off to school - buying a home probably does not make the best financial sense for you.

Originally Posted by: DakotaT 



Good to have financial experience agree with my thinking as well. Maybe if I had been more wise with my dollars 10-15 years ago and bought a home in my early twenties it would have been a decent time. And then when the girls were moved out, sell it and rent a nice small hole in the wall place to live out my days. Oh, with a garage, need a garage.
DakotaT
9 years ago

Good to have financial experience agree with my thinking as well. Maybe if I had been more wise with my dollars 10-15 years ago and bought a home in my early twenties it would have been a decent time. And then when the girls were moved out, sell it and rent a nice small hole in the wall place to live out my days. Oh, with a garage, need a garage.

Originally Posted by: Zero2Cool 



You can't beat yourself up for what happened to you with you marriage. Nobody goes into a marriage thinking, yeah this is going to be a colossal failure. That shit happened, its over, most importantly you survived it all with the love of your children to boot.

The money shit doesn't matter. I'd give it all away so that Mia wouldn't have ever had to know what cancer is.

Speaking of holes in the wall - you might as well pick some place warm and beachlike. You can do that nerdy computer techy shit anywhere, can't you?

Fan Shout
Zero2Cool (29m) : deleted all my browser history and autofill and passwords. gonna be fun!
packerfanoutwest (13h) : too funny
packerfanoutwest (13h) : Lions QB Jared Goff was the offensive MVP
packerfanoutwest (13h) : for the Pro Bowl, which is flag football
Zero2Cool (14h) : Rather, the murder WAS covered up to prevent ...
Zero2Cool (14h) : JFK murder was a cover-up to prevent war with Cuba/Russia.
Martha Careful (1-Feb) : I have always admired the pluck of the man
Zero2Cool (1-Feb) : I remember thinking he was going to be something good.
Mucky Tundra (1-Feb) : The Dualing Banjo!
Zero2Cool (31-Jan) : Jets have named Chris Banjo as their special teams coordinator, Former Packers player
Zero2Cool (31-Jan) : Jaguars have hired Anthony Campanile as their DC. We lose coach
Zero2Cool (30-Jan) : QB coach Sean Mannion
Zero2Cool (30-Jan) : DL Coach DeMarcus Covington
dfosterf (30-Jan) : from ft Belvoir, Quantico and points south. Somber reminder of this tragedy at Reagan Nat Airport
dfosterf (30-Jan) : So eerily quiet here in Alexandria. I live in the flight path of commercial craft coming from the south and west, plus the military craft
dfosterf (30-Jan) : So eeri
Mucky Tundra (30-Jan) : Now that's a thought, maybe they're looking at the college ranks? Maybe not head coaches but DC/assistant DCs with league experience?
beast (30-Jan) : College Coaches wouldn't want that publicly, as it would hurt recruiting and they might not get the job.
beast (30-Jan) : I thought they were supposed to publicly announce them, at least the NFL ones. Hafley was from college, so I believe different rules.
Mucky Tundra (30-Jan) : Who knows who they're interviewing? I mean, nobody knew about Hafley and then out of nowhere he was hired
beast (30-Jan) : I wonder what's taking so long with hiring a DL coach, 2 of the 3 known to interview have already been hired elsewhere.
Zero2Cool (27-Jan) : Packers coach Matt LaFleur hires Luke Getsy as senior assistant, extends Rich Bisaccia's deal
Zero2Cool (27-Jan) : Chiefs again huh? I guess another Super Bowl I'll be finding something else to do.
Mucky Tundra (27-Jan) : Chiefs Eagles...again...sigh
dfosterf (27-Jan) : Happy Birthday Dave!
Mucky Tundra (27-Jan) : happy birthday dhazer
TheKanataThrilla (26-Jan) : Exactly buck...Washington came up with the ball. It is just a shitty coincidence one week later
buckeyepackfan (26-Jan) : I forgot, they corrected the call a week later. Lol btw HAPPY BIRTHDAY dhazer!
buckeyepackfan (26-Jan) : That brings up the question, why wasn't Nixon down by contact? I think that was the point Kanata was making.
buckeyepackfan (26-Jan) : Turnovers rule, win the turnover battle, win the game.
packerfanoutwest (26-Jan) : well, he was
TheKanataThrilla (26-Jan) : Eagles down by contact on the fumble....fuck you NFL
Mucky Tundra (26-Jan) : I think this games over
beast (26-Jan) : Eagles sure get a lot of fumbles on kickoffs
Mucky Tundra (26-Jan) : This game looks too big for Washington
packerfanoutwest (26-Jan) : that being said, The Ravens are the Browns
packerfanoutwest (26-Jan) : Browns, Dolphins have longest AFC Championship droughts
packerfanoutwest (26-Jan) : As of today, Cowboys have longest NFC Championship drought,
beast (26-Jan) : Someone pointed out, with Raiders hiring Carroll, the division games between Carroll and Jim Harbaugh are back on (who can whine more games)
beast (26-Jan) : I'm confused, Pete Carroll and Brian Schottenheimer? When Todd Monken, Joe Brady, Kellen Moore, Kliff Kingsbury and Zac Robinson are availab
Zero2Cool (25-Jan) : Any reason I'm catching a shot here about my intelligence?
Martha Careful (25-Jan) : thank you Mucky for sticking up for me
Martha Careful (25-Jan) : some of those people are smarter than you zero. However Pete Carroll is not
Mucky Tundra (24-Jan) : Rude!
beast (24-Jan) : Martha? 😋
Zero2Cool (24-Jan) : Raiders hired someone from the elderly home.
dfosterf (24-Jan) : I'm going with a combination of the two.
beast (24-Jan) : Either the Cowboys have no idea what they're doing, or they're targeting their former OC, currently the Eagles OC
Zero2Cool (23-Jan) : Fake news. Cowboys say no
Zero2Cool (23-Jan) : Mystery candidate in the Cowboys head coaching search believed to be Packers ST Coordinator Rich Bisaccia.
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