/biz/ - Business & Finance

Bite me

>>18541670
if this really was a christian board you bizlets would stop hoarding money. Having alot of money is a meme and is peak hedonism.

>>18541670
Do your insecurities require an extra bedroom in your house to stay in because it sure seems like you have a lot of them.

>>18541689
Okay. Then go 100%, not halfway. I hope everything you own including your phone is from the 80s or 90s. Save your money at full capacity goy

>>18541670
A car is just a hunk of metal and plastic
I feel more emotion towards worms

>>18541703
The Christian thing to do is to save so in times of emergencies, you can be self-reliant and help your less fortunatel neighbors.

>>18541713
how is this being insecure? If you want to go that route then stop spending money on haircuts, stop spending money on hygienics and go natural, stop trying to please others completely. Just be you, bro.... fucking hypocrite

>>18541670
Buy slightly used with cash you degenerate, people who can't pay for their 2nd car gonna dump market full of 2018-2019 models.

>>18541747
like you guys have this idea in mind. this board is full of gambling addicts

>>18541670
I respect people more that drive shit boxes because they don't give a fuck what people think. You're spending your hard earned just to impress strangers. Grow a pair and stick up a middle finger anon.

>>18541670
normies gonna norm

>>18541734
I pity plebs like you who will never appreciate and experience a spirited drive. I pity you even more for never having the means to afford a quality performance, sports, luxury, or exotic car to totally change your opinions. You office wagies will never know how it feels to command the respect from your higher ups, pulling up in a nice car. Your crush will never be wowed with you getting out of a 96 Toyota. She can’t even use you as bragging rights

>>18541728
God I love how much this car makes richfags seethe. I live in Boulder and tesla and BMW fags seethe. Feels good being a boomer.

My phone is a cheap ass moto e5 because I have a new Sony Xz1 compact coming which looks sick and is more than enough. My laptop is a ThinkPad X220 because my x250 shat itself. I do spend a lot on clothes though, but some of this shit is pointless to spend money on.

Also if your car isn't manual, I'm judging you harshly because you're a faggot. If you're gonna spend that much on a sports car, don't ruin it with an auto.

>>18541782
I've laid back on the crypto and have been saving up, not spending much. Very true about people looking for a way to make big bucks.

Crypto took a lot of my time and stressed me for very little gain. Just focused on working, saving money and incrementally increasing my money.

Went from a bank account of only maybe $50-$100 on average to well over $3000 in the past four months. Not tons of money, but I learned that instead of trying to do huge leaps forward, a single step at a time is more effective and less stressful. Started to split up my money into sub accounts and that has helped a lot to prevent spending money.

Helps that the GF doesn't like to spend money either and is smart with finances.

>>18541670
>$4-500 a month is worth not getting shamed or disrespected at wholefoods because of a shitmobile. A car is the ultimate social symbol and determines your personality.
Holy fucking shit, lmaoing at your life. Literally ZERO normies give a fuck about your car being brand new. Just buy a 2 year old car

>>18541783

Second this. The only time I was ever impressed at somebody's car was when a guy I used to work with (in 2018) had a Honda from the late 90s that he bought on Craigslist for $1500 and ran perfectly. He did all car maintenance and repairs himself.

>>18541670
It’s literally the cope for beta male faggots

>>18541670
>>18541728
using the same logic you should buy the most expensive car there is, go 100%

>>18541670
Nigger tier logic

Or don't buy a car and roll up in Uber Black / Lux every time and save money even against buying and maintaining a fuckin' new family sedan.

>>18541670
Nigger tier post.

>>18541764
this is another fallacy, he didn't say don't own a car, he said you're insecure
he probably doesn't spend $100 on a haircut and doesn't get facial scrubs every day

>>18541670
>shamed and disrespected parking at wholefoods
KEK

>>18541728
>Hurr, I don't understand diminishing returns.

>>18541764

>Thinks he belongs on /biz/
>Doesn't even cut his own hair

>>18541782
most of us just want to have enough to never wage slave again, lambos and hoes are mostly a meme

>>18541859
>Also if your car isn't manual, I'm judging you harshly because you're a faggot. If you're gonna spend that much on a sports car, don't ruin it with an auto.

>>18541670

I drive a 2017 civic w/ leather seats. Enough luxury to be comfy but not over the top, and a reliable Japanese brand not shitty German/American that needs constant maintenance.

>>18541670
Nobody cares what car you drive. And the people that do care are the exact same people you should avoid in life. Just get a nice used car like a WRX or an S2000/Miata if you don't have a family to haul around and you'll have a fun, cheap and reliable car.

>>18541670
If you want a new car consider leasing.
You're paying monthly to finance a car anyway, and it's not like you're going to get that money back when it's time to sell it. Might as well find a good lease offer and drive a new car every three years.

>coming to a chinese moving picture forum to market your shitty product
no one on here will fall for this please leave

>>18541764
>just be you bro
>also why aren't you buying piece of shit new cars

>>18541670
Ur a faggit

the only reason i'd finance a new car is SAFETY
can't just drive a shitbox and be safe
you need a normal size SUV or a Truck, brand new, for all safety features

the bigger the car is, the safer it is, physics bitch

>>18541703
I want to make it so I can help out my church family in times of need anonymously. Any time I hear someone is struggling, I wanna be there for them.

>>18541703
If I get fuck you money I plan on building schools in Eastern Europe

People just spend money on what they find value in. I don't think it's controversial to say people that highly value objects which they think increase their status are some of the worst people.

>>18541670
No one actually cares unless it's something super interesting, super shitty (as in rusty bucket of aids shitty), or super expensive.
Drive what you like, you'll get more out of it than you get from putting out an image by financing a new cuckbox.

>>18542973
>Hey I wrote this book that no one can follow so I decided to send my only son (which is myself) to die horribly on a cross so that you don't have to follow that book I originally wrote

I lease a ghost. Fuck buying

Nobody sees you pull up to the office, it's a giant soulless parking lot or garage in which you're parked in between anon's 2013 ford fiesta and sanjeet's 2016 dodge ram, literally nobody cares about your car at all, let alone even sees you getting out of it in the morning

>>18543361
good luck returning it,
they will charge you $400 PER TIRE , plus thousands more for wear and tear , LOL

>>18541670
>determines your personality

want to know how I know you're a boring cunt?

>>18541670
I'm all for buying a car, but a car at the top price? Nah. You don't do that with your main salary, you use it to invest and get passive income.

It's the worse liability you can have, for example. You're paying $35,000 for a car, and by the time you pay it off, it's worth $23,000.

I'm from Australia, so when I see houses in rich neighbourhoods, I see average looking cars, think about it. They know a brand new car is a big liability.

If I had passive income coming in, then yes, I'd buy a new car. Because that's the purpose of passive income, using it to buy what you want.

>>18541670
I'm all for buying a car, but a car at the top price? Nah. You don't do that with your main salary, you use it to invest and get passive income.

It's the worse liability you can have, for example. You're paying $35,000 for a car, and by the time you pay it off, it's worth $23,000.

So when I see houses in rich neighbourhoods, I see average looking cars, think about it. They know a brand new car is a big liability.

If I had passive income coming in, then yes, I'd buy a new car. Because that's the purpose of passive income, using it to buy what you want.

>>18544051
>reddit spacing

>>18541670
if you care about idiots shaming you because of what you drive you have bigger problems lmao

>>18541783
>>18541883
I turn my head when I see a Ferrari but King of the Wagie mobiles like BMW and Mercedes are cringe. (Unless its the very top end models ofc)

>>18541670
don't finance a good car with lowish miles and give yourself a $200 monthly payment bro

just buy a beater for $3k and then spend hundreds or thousands of dollars every couple months to keep it running it's way more financially responsible

>>18544509
My car was 3000 7 years ago and in the total time-frame i spend about 500 on repairs

>>18544509

i spent $3 000 on a minivan 2 years ago. repairs would have cost maybe $200 total if i didn't do them myself.

new cars are no guarantee of reliability either. just ask ford about fiesta transmissions.

>>18541861
I am happy for you anon :)

>>18541670
Real men get respected without fancy new cars. You're obviously insecure about your social presence if you think a car has that much reflection on who you are as a person. Anyone that actually thinks that a car = personality is shallow and not worth you time anyways. Just sayin

>>18542405
I found PCP was the best compromise of the 2. I got a really good used car on PCP for the same price as a leased brand new boring thing.
If I do want to buy it at the end I can, If I ever need to sell it or use it as part ex against another car then I can do that aswell.
PCP is (imo) the most flexible way of 'buying' a car just as long as you make sure the deal isnt fucking stupid.

>>18544469
The worst ones are the obvious base models, people lease them and act like they are above everyone but you can easily spot 20/30 more of them in a mile radius.
Thats my one rule of buying a car, not the badge not the age, not the price, just never buy the base model.

>>18544648
I think a car = personality. You can tell a mile off who the douche bags are judging by their car

The correct way to go is to lowball and pay cash for fun cars that are a few years old (helps if there are a lot of them around) as the people who own them are usually dumb with money and even dumber when it comes to car knowledge. I haggled 25% off a turbo A3 by saying it needing a timing belt replacement when the owner didnt know it had a chain and didnt need any work done.

>>18541670
Assuming that you have average income why would over leverage yourself on the verge of a global economic collapse?

>>18541859
>Boulder
Funke, I know we're both off work because of this virus but I need you to stop T posing on the undergrad untersmench.

Enterprise Car Sales gang rise up.
Its a tiny 4 cylinder shitbox, but its my tiny 4 cylinder shitbox and its paid off.
>Hand crank windows=baller

>>18545278
Kekked.

>>18544585
>just ask ford about fiesta transmissions.


I just got a Ford Fiesta a few months ago, what's wrong with their transmissions? I do notice that sometimes the car lurches when shifting gears, but I didn't know if it was serious.

>>18541764
>"how is this being insecure?"
>"A car is the ultimate social symbol and determines your personality."
You care about cars being the "ultimate social symbol", you tard. People buy cars because they're utilitarian or fun to drive. Your primary reason is because you wanna keep up with the Jones.

>A car is the ultimate social symbol and determines your personality.

I ironically, this is the mentality that poor people have, and what keeps them poor.

You can drive through the shittiest neighbourhoods in your city and you'll see all sorts of nice rides out front of dumpy houses.

All tryin to be ghetto fabulous instead of being smart.

>>18545123

>Good decisions

>Buying an Audi, used or not


Pick one.

Maintenance queens that are pain to work on even if you wrench a little bit

because biz is about making, not faking.

>>18541764
>financing a nice car
>spending money on basic hygiene

How did you come up with that comparison

>>18541689
based

>>18545428
TFW you could be shitposting with one the professors on your PhD committee.

>>18545669
I always wondered that too. I had some cu professors when I went to college that I could have believed it. I was in mechanical engineering though

>>18541670
How stupid would you look trying to disrespect Warren Buffet at a Wholefoods because he was driving a 1998 Honda Civic.

>>18542973
Is jesus a manlet for wearing heels

>>18541670
Anyone with a small biz can get tax breaks if you have a home office, making the car essentially free depending on how high your taxes are.

>>18545466

you're going to unironically die

https://www.autoblog.com/2020/03/06/ford-focus-fiesta-transmision-settlement-approved/

>>18542109
Speak for yourself. I love my job but the salary isn't quite lambo grade. If I make it I'm still going to work, I'm just going to show up in a lambo everyday.

>>18541670

this is biz you retard, assets vs liabilities.....a car...is a liability.

spend more on a car? be further away from financial freedom faggot

>>18545466
It's you again!!! Hahaha I wanted to call you out on your shit transmission because you were on a high fucking horse talking to that ST dude the other day but the thread archived. Fuck you, your car is shit. ST 5x greater at 1.2x the price. Enjoy your shit transmission.

>>18541670
I have an M series. I like driving it. We all vote with our pockets.

>>18545534
This

I can tell I'm being judged because of my shitmobile when driving down the highway and other cars tailing me and flashing their lights to get out of the way. When I drove my dad's nice car for a while everyone was keeping their distance.

>>18541703
The Lord does not wish for His people to suffer in poverty, He only wishes for them to put a love of Him before a love of wealth

>>18541670
Any dime spent on an overpriced loan on wheels is one taken from the future I'm building for my kids.

>>18544246
Wait they use paragraphs on reddit?

>>18541670
>a nice car
Posts a fucking volkswagen

>>18541859
Based and redpilled

Depends on your position. Everything is worth it if you can afford it. Hell sometimes things are worth it even if you can’t.

>>18541859
All supercars are autos you dumb poorfag.

>>18541670
The typical response here is why buy a 50k car when you can buy a 20k car, drive it til its wheels fall off, and invest the 30k elsewhere? Buy the time your 20k car runs out, your 30k investment will have 2-3x’d and you can buy that car (or a better one!) without losing money.

Cars aren’t good investments, they lose value. Keep that in mind. I appreciate a great drive but as years go on, you realize how little that’s worth compared to growing your future. But also, everyone spends their money differently.

Best of luck

>>18541670
>disrespected at wholefoods
kek. imagine being so fearful of the self judgments you project onto other people that you would pay a thousand dollars a month to feel better about yourself.

>>18541670
>not worth getting shamed or disrespected at wholefoods
I need you to rethink your whole life and get the fuck off this board

>>18541670
I have an M3 BMW V8
and your a faggot go KYS immediately

>>18541670
Because renting a car when you need it is infinitely more cost effective.

Eh bought a Nissan Frontier for around 15k. That truck is reliable as fuck without the retarded Toyota tax.

>>18541689
that's a really nice car man

>>18541859
lol so much poorfag cope

>>18541670
Atleast get something fun like a miata or brz

>>18541764
Lol, the need for status symbols is the epithome of being insecure.

>>18541689
fpbp

>>18541814
I fear these wonderful situations you mesmerize took only place in your head anon.

Cause ego. /thread

>>18541814
This has to be a roleplay. Is this honestly how you think?

>>18541670
>financing

Nah. I'd rather find a nice deal on something 2nd hand.

>>18549667
Thanks, although mine actually isn't this nice anymore. It's beat up, rims are gone paint peeling. I've had it for ten years, mileage is still good. (122,000) but I have a lot of good memories in it, and holy fuck these plush sears are comfortable.

>>18548287
>All supercars are autos you dumb poorfag.
Not necessarily. Yea, they aren't automatics but they are usually an automated manual. But we aren't talking about supercars, we are talking performance cars.

>>18549758
Yeah sorry fag, but I'd rather use my money on things that I can enjoy more. I commute 3 miles in traffic a day. I'll probably look to getting one eventually, but almost all new cars are soulless NPC econoboxes. That's not really worth it to me. Rather save up and buy a house. Frankly, this level of CONSOOMING MUST BUY LATEST SO PEOPLE DON'T JUDGE ME is woman logic.

>>18541670
Nah

>>18541689
Based.

>>18541859
Absolutely based.

>>18549997
You only get one life in this degenerate world stop hoarding money, demon

>>18550047
Second hand isn’t bad if you finance it. No older than 3 years
>>18550993
this car will get laughed at in higher income communities. you’ll just look like a nigger looking to break in some homes

>>18541670
The hidden /biz/ discord server is discord gg CpqQw7b

It has to stay hidden or discord will shut it down.
As far as discord knows it's Wayne Lambright's official campaign discord.
snsjk

>>18544975
I tried buying a car on PCP once but they called the cops on me

>>18551061
Second hand is the worst instance to finance you absolute moron. They know only desperate or stupid people can't afford a used car up front so the financing for a 'preowned' car is never going to have any promotions (eg 0% APR) and why should they? The manufacturer and associated finance arm have little to gain. Not to mention, a loan mandates full collision and very high liability coverages, which is going to make your automobile insurance go from $50 a month to over $200 a month. All to drive a sort of new cope car because you're afraid of looking poor.

>>18546160
>be bored landlord
>watched Initial D growing up
>always wanted to be dagumi and deliver tofu in an AE86
>decide to get a delivery job during to make extra cash for next real estate project
>get to use my fiesta ST to deliver food far and wide
>twisty river valley roads
>switch back hill climbs
>no speed limits during wuflu
>"critical personnel only" so no traffic
>GAS GAS GAS

Nothing bests getting to beat the piss out of a little fireball car and get paid to do it. Im making around $1300 a week to break all the traffic laws, verses ~$500 month in loan payments and insurance. I have had zero problems with the car, thanks to its silky smooth 6speed manual.

>>18551022
>>18551035
?

>>18551130
based

>>18551307
Based on what?

>>18551360
based on what?

>>18551374
>>18551627
Based retard

>Car Captcha

>>18541859
B A S E D

imagine owning or leasing a car in 2020 and not being able to just walk to work and grocery stores and parks and friend's houses