So /o/,
I took your advice and went away with my escalade purchase. Love the car. Thanks!
Anyways, post your new rides ITT/future purchases
how is it? is seems very interesting since it's a full on SUV by the new cadillac.
dam nigga i no u put yo grandmamas house on tha lease 2 so wen day com repo dat shit day aint gun find it smart ass nigga
>>14038153
It's great across the board. I have some minor complains about the 3rd row (but only kids go back there so who gives a funk amiright?) being small. The suede lining is okay but I have a feeling it's going to look like shit in 2 years. Lots of gimmicks like the fridge in the center console and it has a bluray player.
The ride is phenomenal. Mercedes air suspension has jack dick on the magnetic suspension. It's creepy how smooth the ride is.
Another plus is that it takes regular petrol.
>>14038156
>implying they can afford this car.
Nigs cruise around in 2007 cadillac cars at best.
This car is for my wife since we live in a wasp-y area and I wanted her to ha email the best ride for the kids
>>14038173
How is posting two very mid-life crisis car's lap times have any relevance?
Both of those cars are "I own my own plumbing business" rich tier too. Kind of sad since Snek is the only choice at that price point.
Gonna post this in a bunch of threads because I need responses:
/o/'s opinion on the Lancer? It's a 2011 GTS, so it's got that 2.4 instead of the 2.0l in it. I mean, it's not the rally or the evo so its not a speed demon but it's really well priced and it's ANGGRRYYY which I like.
>>14038167
>I wanted her to have the best ride for the kids
Is this a troll?
>>14038145
>/o/ recommended an escalade
Seriously wtf /o/ where did all the suv hate go?
>>14039194
The question you should be asking is are the kids even his?
>>14039194
Give me an suv with a smoother drive
>>14039209
Harhar
>>14038145
Damnnn OP that looks nice!
Nice car OP, but why no pick related?
>>14038145
i thought it was a photo shop
im still on the line about it and i googled it
mfw
change that grill out op plz my eyes hurt
still jelly, hope you put more miles in her than a modern woman gets in a year
>>14039334
It's the platinum grill. Can't change it. Apparently it's "the best" but I only have a hard-on for the jeweled LEDs
>>14039306
>fully loaded Yukon is 60K
It's only 10K more to get an Escalade, which spread over a 36 month lease really amounted to a $100 per month increase in payment.
What I love about the car is the 3rd generation magnetic suspension. GM leases the technology from Ferrari
>inb4 "why lease"
I wouldn't touch anything "luxury" with a 10 foot pole after 50k miles.
>>14039270
Thanks :)
>>14038145
>100% whole wheat
>USA organic
Whole Foods fag confirmed
>>14039376
>have money to buy top of dee line deskalade
>wont shop in the best grocery store
Thinly veiled bait thread.
>escalade
>leasing
>kids
>>14038145
>being black
Ya'll nigga's posting in a kuk thread
>>14039394
Have you ever seen an upscale neighborhood/private education moms?
>leasing
I get 25K in tax deduction from this car this year because I leased it under my business. I also get more write offs when I lease. The car basically comes for free ;)
>kids
>not spreading your genetic material and being one with the Gods
>>14038167
>petrol
are you a brit bong?
>>14039435
No, amerifat but I spent a lot of time in the UK
>>14039442
you'd be a godaman hero if you drove a new escalade in yurope
>>14039451
They would tax the car so much that only some Saudi could afford to operate it on any road. The nice thing is that the new escalade run on regular petrol instead of premium
>>14039442
That's a big truck
Was driving a brick part of your plan?
>>14039201
People grew up, and some of them had kids (Channers having kids should be a crime against humanity, but hey!) and they had to dump ye olde RX-7s for something that seats more than 4 people.
It's what happened to the resident gear head of my family, whom I happen to be cousins with, he had a nice 240SX kept it immaculate, sold it cause he got married, got kids, and 10 years later, I heard him utter that "He will always drive a minivan now, cause they're roomy" I wonder if his old self would've wanted me to kill him.
>>14039468
yes, also its so fucking huge.
a few years ago my cousin visited me here in the USA from Germany and he was blown away by how huge our cars are. suburbans, excursions, even corollas.
the point is to show yuros the typical american car in contrast to their typical cars.
>glorified çuckshed on wheels
>bragging about it on /o/
I don't know which is more embarrassing
>>14039578
Yeah, whenever you see a range rover here in the US that's literally the biggest SUV's in Europe. I saw an Escalade once and I swear they shrunk it.
>>14039504
Kids and their well being take over m8
>>14039177
It's a typical economy car.
>>14038145
Congrats OP. Nice to know that /o/ isn't only a bunch of poorfags
So OP, did you buy the Escalade because you're wife's good friend D'Qwon recommend it?
>>14039674
ITT: false dichotomy of retarded badgewhores and poorfags can exist
>>14039334
>i thought it was a photo shop
Honestly though the same thing.
What the fuck, the grille is literally 3/4's of the front. I thought that was just a meme.
>>14039177
Nice b8 m8
>>14039679
>implying he can afford a $96K dollar car
>>14039715
This is true. Some people buy the badge without looking at better options. I personally didn't like cadillac too much but when it came to SUV's they've been rated top. Wouldn't buy any other vehicle from them.
>>14039716
All the new GM SUV's have huge grills. The pattern changes depending on your trim level.
>>14038145
>escalade/tahoe/yukon/suburban
>cadillac
>SUV
>automatic transmission
>THAT FUCKING FUCKHUEG GRILLE
>the grille is so fucking big it makes the giant cadillac badge look small
kill it with fire/10
i agree with all your decisions op except for the kids
>>14038145
Congrats OP. Happy to hear you're doing fun things. Please don't be a racist, I want to have hope for the world.
>>14039442
A God damned hero
>>14039488
Kek
>>14040411
Why would those cars have a manual trans?
>>14040561
Ask Toyota.
>>14040622
Why would Toyota build a manual suv?
>>14040622
The Land Cruiser 200 doesn't have a manual transmission.
>>14043041
It does.
Y62 Patrol has a manual option too
>>14040442
Racist? What?
>>14040411
>manual transmission
I wouldn't trust my wife with a manual transmission on any vehicle. Let alone a 7,000LB SUV.
>hate the grill
It is a bit extravagant, I'll give you that. But the edged out design on the lights is gorgeous.
>>14040431
Don't have kids until you can afford them. Only advice I can give in that department. We have a nanny for the boys. Won't do daycare after a buddy of mine's daughter was shaken by one of the "teachers".
>>14043041
not anymore
>>14038145
>not buying the best SUV
but still, im a european and I have to say i love big cadillacs. some people dont understand that not everything is about figures. sometimes you just want to drive a car because you like what it looks like, and i can totally relate, and i wish more people were like you
>>14043251
I looked at Lexus but I didn't like the body styles they are going with. The lineup was as follows since I asked her to keep it under the $100K price tag.
>Escalade
>Range Rover
>LX570
I didn't like the reviews of the Range Rover and I've heard some bad things about them falling apart way quicker than any 111K car should.
Lexus has that retarded front grille and iPad glued to the center dash. Plus 90K for a premium Toyota is crazy.
None of the SUVs we test drove had the same level of comfort while driving around.
tbqh I was looking for the ride of a minivan without actually having to own a minivan.
The front LEDs look sexy as fuck for photos. I wish I could post the picture I took when I brought the car home to her and parked it in the front. Was gorgeous but I know some autistic fag would find my address using a mixture of Google street view/OCD
>>14043375
Here's another cool feature. There's a Heads up Display that projects on the windshield. It does turn-by-turn navigation & speedometer/posted speed limits.
You never have to take your eyes off the road.
>>14043672
Oh cool! Something cars have had since the 80s
>>14043761
Does your car have it? Do a majority of cars have it?
>>14038145
I want a WRX STI so badly. Luckily I will never have kids since the wife and I are against having children. Nice catch though OP, that thing looks futuristic as hell.
>>14043971
Subaru really that good?
>>14039352
Ferrari gets it from GM bro
>>14043971
>midsize sedan
>somehow not acceptable for having children
0/10
>>14044227
Ah thank you. I must have misread the literature. Pretty cool technology though.
>>14044272
Going to have to agree with anon here. Non-kid friendly cars are pretty much only coupes. Everything else can be a "family" car.
>>14044222
According to /o/
>>14039394
leasing makes more sense to those who can write it off as a business expense
memes only apply to poor fucks on this board. people who have their shit together usually know what to do and that's why they can afford nice shit.
>>14043761
lol no. gf's beemer has it. the glass has to be special.. its expensive.
>>14046382
Exactly. I get 25K in write offs immediately (which pays for the first 22 months of the lease) plus I get to write off the miles. I roll the taxes and such into the lease price. Then in 36 months I'll rinse and repeat.
Got this dude a couple of months ago. Had my dealer go find an AWD GT in this color from wherever he could to ensure he had a buy. 3 days later, I drove off the lot with it and it's been a nice step into the future from my old '94 Navajo/Explorer.
>>14047453
Nice
>>14047176
Does your wife work for you? How is this a business expense if it's for your wife
>>14047957
Under one of the businesses that's home based. It's easy to start an LLC from home. That way all miles are counted as work use
>>14039674
Do you live somewhere near/in Brule Gaardens? I may have seen your car there.
>>14043041
The 2015 has it and I have seen one in Dubai.
>>14043971
>wife and I are against having children
A beautiful life ahead needs children.
New A4
Well 2013 but new to met
I could order a new 370z nismo for 40k€ until the 22th of December.
After that date it will be 1,8k€ more. The dealer would take my current car for 16k€ but I think I'll try to sell it myself (aiming for ~18k€).
I got ~30k€ sitting around with no intentions of marrying my gf or buying a house.
I-I really enjoyed the nismo, pigfat or not.
>pic related is current car (2 years old, 22k km)
>>14049433
Nice man. Were they having good deals on their cars after they shit the bed with the diesel thing?
>>14049414
>A beautiful life ahead needs children.
This is true. Plus we can't have the idiots outbreed the rest of us.
>>14049448
>Paying up front
>Being a good goy
Pick two.
NEVER pay up front on anything man. Roll it into the finance. With most car companies doing 0%APR for 36 months or 0.9% for 72 months there is NO incentive to pay up front. Please keep your money in your pocket.
>>14043375
>Plus 90K for a premium Toyota is crazy
How is that crazy? Land Crusiers are already $70-80k
>>14039223
Jeep Grand Cherokee with Quadralift. Also way way less than the escalade.
>>14049480
That's what I'm saying. I wouldn't pay that much for any Toyota or re-badged Toyota.
It's just like the Dodge Viper. Arguably the best car out there for the money, yet nobody is buying it because it's a Dodge.
Plus, since I lease vehicles I never have to worry about repairs. If I was buying a car at that price point I would look into a Toyota then.
>>14049486
>Aftermarket suspension
>On a lease.
I like the Grand Cherokee, but the only one worth buying is the SRT version. Which isn't far off from the Escalade price.
>>14049469
I probably will finance it over 36 months @2.99% without any insurances. I did the maths and it's cheaper than the Nissan "0%" for 24 months one, where you automatically opt-in for all that extra fluff.
But I also don't see why paying upfront would be that terrible desu.
I've got the money, I don't need it.
>>14049509
I cannot stress how important it is to stay financially solvent. You're literally "investing" 40K into a depreciating asset. Just pay your monthly bill out of your current wage and build your credit. You never know when 40K can come in handy.
Seriously. Put 0 (zero) down on that vehicle and roll the taxes and title fees into the loan if possible.
Unless you swap cars out every 3 years then get the 72 month loan and if you want to just pay more per month.
>>14049539
Welp, as already stated I'll most likely finance it over 36 months.
Anyone itt driven the car? What's your opinion regarding the car, the old engine and so on. Am I being stupid because I had too much fun?
>>14049551
>Welp, as already stated I'll most likely finance it over 36 months.
Do they have it in writing?
>Anyone itt driven the car? What's your opinion regarding the car, the old engine and so on. Am I being stupid because I had too much fun?
Im a tallfag so I've never been able to drive coupes but getting a car like that for your daily driver will get old really quickly. Especially if you live in Europe. If youre getting the 40K base model then might I suggest getting something else but getting all the upgrades?
I also drive a Honda Accord 15 V6 and I love the shit out of that car.
>>14049573
It's the 47k€ MSRP got-everything post-facelift nismo model.
Found the dealer at "Essen Motorshow" [Fair].
I walked around the Z for about an hour then he came along and asked if I was interested.
We talked for another two hours (old z's and stuff) and he said that the car right there would cost 40k as a fair-only price. He offered that I could test his personal Z in which he arrived and later visit him at the dealership to drive the car in non-nismo and nismo trim to feel the difference.
I would get a fresh nismo 370z in white for 40k€ (offer stands until the 22th of Dec.), the car is on a ship right now, waiting for me to buy it.
If I do buy it it will be my dd.
>>14049469
Not great but I paid 38 for it. 27k miles, fully loaded, quattro, ect
>>14049691
Kind of ashamed of myself for getting the first automatic I've ever owned
>>14049707
>>14049691
I would only be ashamed about having to stick a key in the ignition.
>>14049642
If that's what you want man, get it. Your happiness is key. But I'm just suggesting that you finance. Dealers don't care if you have cash or not. They get paid either way.
Not to go all Caddliac fan boy buy what do you guys think of the NEW 2016 CADILLAC CTS-V SEDAN?
>>14039451
When I was in Florence I saw a lifted Ram 1500 or whatever, surprised the shit out of me.
>>14049469
I'm with you on keeping money in your pocket
But it is YOU who is the literal good goy
The banks own this world
And they own it with debt
Your mentality is 100% causing this system
I don't blame u for making the "smart" financial decision
I blame your parents and theirs for giving you the skills to navigate and succeed in the world but not the character to do what is right in a world of wrongs
I'm mean
You're leasing a 90k commercial on wheels for your commercial on legs to sneeze and fart in
You are the best goy
And dont you forget it baby :}
>>14050380
It's probably comfy being a house slave. All the other slaves look up to you. The ones that hate you are just jealous they have to sleep outside. Who needs meaning, purpose, and ethics when you are better than others?
>>14050380
Hey that guy might be a business owner or some one who make something. Not all of the wealthy are well trained errand boys.
OP probably is though.
All the producers I know buy cash and don't finance for reasons on PRINCIPLE not because they are covetous. Most small business owners or even medium business owners know that the game is rigged. And subsequently those of character don't wish to aid in the slavery of their fellow man. Too few it seems...
>>14050380
I pay 0.9% interest on all of my leased vehicles. That means on an $80,000 vehicle I pay a whopping $800 in interest at the every year assuming they don't count payments made and adjust the interest owed.
Why the fuck would anyone in their right might pay cash up front? Maybe if I had a 10% or higher APR then yes that would make sense. But with a 0.9%? Come on. Use your brain and some basic arithmetic.
>bankers own the system
Lol
>>14050461
>slavery of their fellow man
Get off your soap box faggot and fire up the grill at McDonalds. Nobody gives two shits about how unfair YOU think the world is.
The only problem with financing is when people get max out a credit card with 29% APR while making minimum wage.
I don't care how your friend the plumber owns his own crew cab Tacoma and doesn't take out loans.
>>14050519
Fuck you I own my own business scrub
Second you just told me the ends justify the means. If you can't find that in your text then enjoy your ignorance.
I'm sure Martha Stewart cares little for her part in the slave system.
It's clear you do as well.
Enjoy your allowance.
You have earned it.
Don't be sour.
I make way less than you right?
>>14050519
Don't be sore u have a new car bro
Woot!
Damn the consequences for ur children and theirs
Freedom is for those without escalades
Ur chica shopping for the kids vineyard vines yet?
>>14050602
If you own your own business then you know at the end of the day it's about the money you take home to feed your family.
>slave system
Lol. You have way too much in the way of idealism to be a business owner m8.
>>14050624
>>14050602
>>14050461
>>14050419
>>14050380
ITT poor fags ruining a thread
>>14050519
Would you knowingly buy fruit from a man who steals it from another family?
What if its cheaper buy 1%?
That's your fucking argument.
Maybe you didn't know the source of your credit?
Now you do.
Ignore my accusation?
You are at fault.
Research my claim?
You will see the right in my statement.
Either way, we are all accountable for our actions in this life.
I was helped and I guess I'm just trying to help another so we can all thrive.
I hope you come to know truth and love before the end.
By buying the new RX9 in soul red cash
>jk
>>14050686
My argument is about staying liquid. The consequence of staying liquid is paying a premium of 1%.
>>14038145
>> works for Ford dealer, got it it as wholesale price.
Certified, leather, roof, AWD - gets me where I need to go, room for friends.
>>14050728
Congrats man! Looks great. You love it?
>>14050380
>>14050461
>>14050519
>>14050602
CPA here... Don't brag about owning your own business, its not that hard.
Plus you're all wrong, and you're all right.
Whether you lease or buy with financing, on the books its similar.
There's something called "depreciation expense."
Why pay for 100% of the asset when you're only going to use it a bit at a time? Plus, there are limitations as to the amount of tax deductions you a business can take when purchasing new equipment.
Section 179 - limited to $25,000 per year. Over $200,000 and that deduction is reduced 1:1 for every dollar over $200k.
The point is, do whats right for YOU. Not the greater good. Fuck the greater good.
>>14039468
>premium
What the fuck? Escalades are just rebadged tahoes and yukons with nicer trim and more electronic widgets to break those trucks don't run on premium
>>14050632
Owning my own business allows me the opportunity to have whatever level of idealism I settle on :)
Ur not jelly are you?
Are you?
>>14050646
I'm not wealthy
I'm married
I own two vehicles and lease a warehouse.
I hope to gain more wealth, but I will not cut my fellow man's throat to do it.
I'm saddened that you see that as an inevitability.
Though I may venture to guess that doing so makes it all the more rational to you.
It's an easier choice to join the evil side if they are going to win anyway right?
I'll not tell you that your way of life is killing the world.
I don't think you care.
I wonder if your idea of making the world better extends beyond making more copies of your house slave self thereby propping up this misery machine.
But you probably would say/think making the world a better place is for those misguided idealists.
But I'm just a low income jelly scrub right :-)
>pic related
Some tomatoes growing in my hydroshop
Tasty
>guy buys a new vehicle he enjoys
>/o/ shits blood out of anger for it
>>14039642
And its hard to adjust to not having all of the glorious space in a minivan
>>14050711
You are either nescient or ignorant
I'm leaning toward the later consider some one pays enough for that truck
You are agreeing the one point I aggreed with you on...get it
You refuse to acknowledge how that decision impacts our species
I'm mean...it's cost NOTHING to dump your used oil in your neighbors yard so you should do that right?
>>14050783
Yes fuck my neighbor
I'm out for me!
>>14050753
Like my last girlfriend "love" is a bit strong! My Acura CL was killed in a freak hailstorm, so I bought the Fusion SEL (I wanted Sport) AWD to hold me over until I got a Mustang. However, life happened, I got a promotion and I got really busy, had a broken heart which I'm still recovering from; to towards the end of Winter the Fusion gets replaced with a Stang.
Having said that, I hated American cars. The Fusion surprised me in terms of build quality, power, performance, and features. Considered I paid less than $14k (US), it does everything I need. It won't pick up chicks, but it will transport them and their friends in relative comfort.
Mine is a 2012, the '13s and newer are even better.
>>14050783
That's why small business are dropping like flies ...because it's easy...
I didn't list that because it's hard I listed it's IN MY OPINION a morally justifiable way to feed myself.
>>14050797
Got no 'musters so I have time to kill
I just had to call him out as the shill he is for saying I'd you DONT use credit you are a "good goy"
Ridiculous
It's like he doesn't know the words he types
>>14050838
Correct.
Take it from a guy who has been through three years of unemployment - and didn't get unemployment compensation thanks to a loophole in PA law.
The government, your neighbor, the community won't help you when you're down. Don't think they will.
>>14050878
They are your mirror.
You get what you put into this world.
I'm just trying to make the one I live in better FOR ME by making it better FOR OTHERS.
It's the same principle of surrounding yourself with people you want to be emulate to better yourself.
It's just missing the creative side.
BE the good people you want around you too.
I'm pretty sure I'll not convince OP or the CPA of anything(ya never know!).
But maybe others reading this can take away something of value.
Even if it's "do the opposite of the hydroshop guy to get mo richer"
>>14050869
Correct.
Again, CPA here, plus I have a Masters in business. More small businesses, more competition.
Where I live, older small businesses who have been coasting for the past 20+ years are failing thanks to more people moving into the area and starting their own. An all too common tale.
>>14050909
Wrong, and idealistic way of thinking of the world. I wish what you said was true, it isn't.
Being civil and letting my neighbor borrow my lawnmower is not the same as taking out a loan or leasing a delivery truck.
The first chance somebody gets, they'll take whats rightfully yours, and the law will be on their side.
>>14050923
I guess you never heard of being the bigger man?
Do you know what that means?
Things like doing the right thing no matter your pride or hardship maybe?
When it comes down to it you are not be responsible for your actions.
It shouldn't matter what the other kids are doing.
A good man does what's right to the best of his abilities.
Or we could do it your way...and if the other kids make bad decisions I'll make them too! Because it's right now cause reasons!@!
>>14050910
BTW ur business degree means fuckall
I can sit here all day and teach you how to play starcraft and it will mean fuckall once u start ur 1st game
And if u can't see that then u have never done anything worth doing.
>>14050910
Caddliac bro here. Most small businesses I see failing are unable to adapt to include online models. Brick and mortar establishments getting rekt.
You forgot to include the fact I get to write of mileage too. Shame I can't write off the depreciation like I used to back in 2010
Also you're wasting your time arguing with this kid.
I wish you were closed to me. I would hire you. I need a new CPA as mine doesn't maximize my deductions.
>>14051003
cant refute any of my points with logic...
"call him a poor burger flipper!"
shit hes a owns a shop.
"call him a kid!"
>>14051003
its almost if you need us to validate your purchase
u
fucking
attention
slut
i would have never guess given your understated choice of vehicle
its not like an escalade screams
VALIDATE ME or anything
BESTEST DESIGNS 2015
>>14039177
pros
>really cheap parts
>very very reliable
>very good gas milage
>good aceleration
>you will survive a crash like it was nothing
>very light
>all models looks the same so it will always look new
cons
>90s dash and 90s stereo
>everthing has cheap plastic paint so everthing will fade or peel
>no bluetooth for music
>you will have to read the bible that its the manual
>its not an evo
the lancer gets very bad rep for the evo but for a student or a young family its a very good car and also its a very hadsome car
>>14050792
>wasting a perfectly good hydro set up on fucking tomatoes
You could make the money back you're throwing away on that lease growing some Frosty-grade mids.
>>14050646
p/o/l was always right.
>>14051146
I sell the gear so u can do that
I'm in a "dry" state
>>14051146
I made that room with 16ft ceiling to grow 10ft tall christmas trees if it goes legal
8000 watts of sodium ready to go
The tubs are aeroponic and can feed 16 huge plants each all for 100 dollars
>>14039352
>I wouldn't touch anything "luxury" with a 10 foot pole after 50k miles.
The glory of the Escalade is that mechanically it's very similar to all of GM's other non-luxury full size trucks and SUVs.
You get the luxo interior without the finicky high maintenance "exclusive" driveline and electronics.
>>14050980
Not on a resume is doesn't kiddo. Keep telling yourself that. Understanding the principles of business is just as important if not more so than experience.
>>14051003
Most small businesses are unable to adapt to any changing conditions. Around here, business that were started 40 years ago, by "self made men" are going under. Why? They don't have the education to figure out how to compete with the new kids down the street.
I'm in the auto biz. We use tools like vAuto to set our pricing. Other dealers don't. They rely on their "gut." What happens? Customers drive five hours just to buy a car from us.
>>14050957
"Nice guys finish last."
-Vince Lombardi
>>14043672
Interestingly, HUDs do very little to improve driving performance
>>14039177
Post the VIN and I'll run a Mitsubishi factory options list on it.
AKA: Window sticker.
>>14052236
some of us make our own jobs kiddo
>>14038145
There's never been a Escalade driver than can drive worth a shit.
Worse than pickup truck drivers.
>>14052236
"h.heres muh resume can i please have some crumbs from ur table sir"
your ancestors are disappoint
>>14052236
It's the same in all the "old guy" industries. They think they've seen it all so they don't do the research. It's foolish. Which is why I've said they've been unable to keep up in the tech age. They don't understand it and are too proud to admit it
>>14052236
asking permission for days off
not even once
>>14052628
Good thing his wife is driving it then
>>14052259
I too love my life based on the teachings of football players
As we all know they are the world's greatest philosophers
I want this with aftermarket supercharger, aero, intake, and exhaust sometime in the next half decade. It'd probably just be cheaper to get a car that's already fast when stock though. Not to mention I might as well tell my insurance company I'm a street racer.
ITT Richfag causes massive butthurt
>>14053261
It's like idiots don't understand that intelligent credit use helps everyone and unintelligent credit use helps only the bank.
Low cost money is high velocity money, and high velocity money is good for everyone.
Take the 0 down loan at .9%, earn 8% on what would have been your down payment, be wealthier, help others be wealthier.
Never carry a balance on debt higher than inflation.
>>14049433
0/10 bad replica, and that audi is probably your dads
>>14053402
what YOU are not seeing is that a ZERO interest loan helps the bank
100% of the time
i dont care what bullshit obfuscation you have in your head about how you think money creation works
but they CREATE the money for your loan and you pay it back with real money
earned from labor
so when you pay back a loan they make the interest AND the principle
>>14053673
Banks get their money from the US Treasury Department you dingus. They borrow the money at a lower rate than what they charge when lending to you.
IE: bank borrows 1 million from the treasury department @ .03% APR then they charge you 3.03%APR on that same million they turned around and loaned to you.
>>14053708
Banks get their money from depositors. The US Treasury get's it's money from the Federal Reserve Bank.
>>14053673
>but they CREATE the money for your loan and you pay it back with real money
lol retarded children
>>14053708
>>14053777
refer to line 3
>>14053673
>>14053777
Money for investment purposes yes, but for lending they get their money from the US Treasury.
>financial discussion on 4chan
>>14053786
"he says into the mirror"
>>14053796
>auto repair discussion on 4chan
>>14053796
CPA and Richfag are right and getting trolled it seems
March 2016
>>14053673
Yes and?
A dollar earned for labor was created somewhere along the way, and a dollar not paid cash for the labor of the employees of the Cadillac dealership/factory/design shop/engineers/ etc earns 8% interest if you're not a moron.
So take the 1% interest money to buy your depreciating asset, and make 8% on your saved principle, to end up with more money in your pocket than you would have had if you'd paid cash like the clueless fucking scrub you are. When an interest rate is under prime, and the asset for sale isn't going to appreciate (IE isn't an investment), paying cash instead of taking a loan is bad for you.
The loans that hurt the poor and fuck the economy aren't prime grade loans given to Johnny Has-a-future, they're the sub prime loans offered to Sally White-trash or Dejarious Bix-nood. Predatory lending is not a good lease deal on an Escalade, predatory lending is 12.5% on a Corolla.
>>14053791
Nope. Stay stupid. And underage, since you don't remember the bank failures of 2008.
>>14054765
Wtf are you talking about you retard
>tfw bought a Range Rover Sport for work
>over 6k pounds gross so can use accelerated depreciation and depreciate 60% of it the first year
My buddy is doing that with a G Wagon too, he got that G65 AMG or whatever it is.. like a 180,000 truck he's getting significantly cheaper.
