.webp?h=8 "Merry Fistmas!")
https://ficoforums.myfico.com/t5/Auto-Loans/Auto-Loan-Approvals/td-p/6573136/page/10
Unfortunately no one bought a @CamaroAt28APR, but the myFICO forum is full of people making awful decisions. Just the three posts on this page are
The first is someone making 180k/year with a debt-to-income ratio of 12% but has to take out a 6 year, 9.3% loan to afford a 58k car? 
Then we have someone taking out a 7 year loan on a BMW that will surely be worth $0 by the time the loan is up. At least he gets that sheer driving pleasure 
Finally is someone who cosigned on a loan with her husband but even doesn't know what she bought other than it's a 6.2% loan for 6 years lmbo 
As a bonus here's an r-slur from a few months back
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The home page of that website is offering "credit score monitoring" for $39.95 a month.
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It’s hard to think of a better place to advertise financial scams
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can i get a payment plan for that???
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In a few months you'll be able to pay for it with Klarna
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Here's my favorite one so far
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"All the work you're doing this year is for an Acura.
All the work you're doing next year is for interest on the Acura."
Modern day Sissyphus
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It's worse than that because his take home is probably closer to 45k
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Jfc imagining paying $12k per year for an Acura lmaooooo
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if you keep filing for bankruptcy its free
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That's more than my fricking house payment. How are people so fricking stupid.
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Hey everyone! This guy has a house!
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your house payment is sub $1k?
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Yeah. I'm single and a cheapskate. I'm making double the monthly payments to pay it off early. I regret going with the 30 year instead of 15. But at the time I had just started a new job and having been laid off before I was worried about making payments if I lost a job again. Now I'm the senior engineer here making a lot more and they'd be up shit creak without me.
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Recent bankruptcy with a 737 credit score. Dude was doing a good job and flushed it all down the potty with one consoomer-brained impulse buy.
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I don't believe for a second that BMW guy has a DTI of 10% and a 610 credit score.
Edit: Oh nevermind. He actually just filed for chapter 7 bankruptcy recently. He does a nice little reveal at the end:
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Some people hate having money. And that's based
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Jesus Christ, proles have revolting financial habits.
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What I don't understand is, if they want a good driving machine, but can't afford it, why don't they just buy a 10 year old BMW? Sure maintenance will cost money, but way less than you lose on the interest and depriciation. And it will be an excellent experience to drive just as the new one.
Is it like an ego thing?
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yes.
these are status symbols (in the US anyway)
the only old bmws I see around here are lawn ornaments
I only see them actually driving around when I go to bougie suburbs
poors shouldn't be buying for the 'driving experience' anyway
but those who must can find hondas or toyotas that will actually still be on the road in 10 years
and don't cost a fortune to upkeep
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nvm I have 0 reading comprehension
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There are zoomy ones out there, I wouldn't know I don't enjoy driving anything with >2 wheels
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Banned poor
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I would love to live in Japan. My husband would love to live in Japan. Unfortunately it is a bureaucratic hellscape where you can't even start a company without the permission of a specific high-ranking government official and changing your visa.
Maybe I am just a dumb American, but you'd think Japan would love to see foreign entrepreneurs starting companies just like basically every other country does.
1. Husband speaks Japanese and likes Japanese culture (he does genuinely speak Japanese, not just like kawaii desu anime Japanese).
2. I want to live in that area of the world (south-east-ish Asia).
3. Japan seems cool and it's a compromise.
4. US is backsliding into authoritarianism
5. Have a higher-ed degree that a competent authoritarian gov't would target
6. Both of us are transgender & bi
I don't really have much family since my family, besides my siblings, have basically disowned me and I haven't seen them in ~a decade. My husband has a bigger family that are super welcoming and we'd miss.
It isn't so much a dream as it is survival. I am sure they'll be people saying we are being overly dramatic with making plans to flee the country, but I'd much rather be overly cautious than end up dead, in a camp or having to file for emergency refugee status. Trump losing bought us at least 2 - 4 years. It isn't that I hate America, it's that America seems to hate everyone like me.
Snapshots:
archive.org
ghostarchive.org
archive.ph (click to archive)
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15% APR? Frick dude, just put it on your discover...
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