Alright here is a lagitimate question.
I am twenty years old, making about ten bucks an hour working as a computer tech. I get in 40 hours a week at least and I work at a safe job (dont have to worry about loosing it). I currently own a '72 3/4 ton chevy long bed. I want to sell for like 2,500 bucks. I have like no cash saved right now... and I want to buy a 2002 toyota tacoma xtra cab. Now my question is... what of the next few things should I do and not do.
1. Save up for truck and put bigger down payment then proposed 3,000.
2.Get tattoo in a week or two, wait longer for truck.
3. Buy more computer games.. wait longer.
4. shut the hell up and put down 4 grand.
5. buy an older truck....
I dont know what to do... money issues galore.
thug
p.s. I also have a wisdom tooth crusin out and I got no dental insuarance...
Money, I got problems with
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RandomThug
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Money, I got problems with
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The Dude: On you maybe.
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HighLordDave
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The first thing you should do is get your teeth taken care of. Health issues are "pay me now or pay me later" expenses and they always cost more if you wait.
Is there anything wrong with the truck you own? If not, drive it for a little while longer, then sell it and buy a new-for-you truck. If it's a '72 model and you can get $2,500 for it today, it won't depreciate much even in a year.
Is the 2002 Tacoma a new or used model? I'd buy a truck that's one year old or one that just came of a lease. Let's say that Tacoma has an MSRP of $21,000 (extended cab, 4wd, V6). If you buy it new, you'll lose about $3,000 in depreciation the minute you drive it off the lot. If you buy a truck that's 1-3 years old, it's probably still new enough to have some warranty life left and someone else has taken the initial depreciation hit. Plus, being a Toyota, it will probably have a pretty good repair and quality rating, so even having 12-30,000 miles on it isn't taking a large portion of the truck's expected lifespan.
Here's what else I would do if I were you:
1. Play the lottery.
2. Move to Nevada and get a job on a ranch.
3. Even though you don't fear losing your job, you might consider getting a job with health and dental coverage.
4. If you can afford the insurance and don't drive that many miles in a year, lease the truck for 3 years at a reasonable payment then buy it outright at the end of the lease if you still like it.
Is there anything wrong with the truck you own? If not, drive it for a little while longer, then sell it and buy a new-for-you truck. If it's a '72 model and you can get $2,500 for it today, it won't depreciate much even in a year.
Is the 2002 Tacoma a new or used model? I'd buy a truck that's one year old or one that just came of a lease. Let's say that Tacoma has an MSRP of $21,000 (extended cab, 4wd, V6). If you buy it new, you'll lose about $3,000 in depreciation the minute you drive it off the lot. If you buy a truck that's 1-3 years old, it's probably still new enough to have some warranty life left and someone else has taken the initial depreciation hit. Plus, being a Toyota, it will probably have a pretty good repair and quality rating, so even having 12-30,000 miles on it isn't taking a large portion of the truck's expected lifespan.
Here's what else I would do if I were you:
1. Play the lottery.
2. Move to Nevada and get a job on a ranch.
3. Even though you don't fear losing your job, you might consider getting a job with health and dental coverage.
4. If you can afford the insurance and don't drive that many miles in a year, lease the truck for 3 years at a reasonable payment then buy it outright at the end of the lease if you still like it.
Jesus saves! And takes half damage!
If brute force doesn't work, you're not using enough.
If brute force doesn't work, you're not using enough.
Are you set on a Toyota?
GM has a great incentive on vehicles - 0% financing for 60 months. If you have decent credit and qualify, you can save money on your truck payment. (This may offset having to put down the entire $3000....and you can get your teeth fixed and the truck)
From what I know about Toyota, I am unsure if you can get any finance options. Has a dealer told you your truck is worth $2500? If you are looking @ a "blue book" value, you may not get it from a dealer. If you have a CarMax near you, I would suggest having them give you an estimate on your truck. However, if you use your truck as a "trade in", the value of the trade in is credited off your new vehicle for calculating sales tax.
For example, lets say your new truck costs $20k. You get a $2500 trade in value from Toyota. You will be taxed on the $17,500. Use 7% as a tax rate - Your sales tax will be $1225, making the amount owed, $18,725. If CarMax tells you your truck is worth $3000, you take the cash to Toyota and use it as a down payment. So, $20k less $3k is $17000, but you will be taxed on $20k, or $1400. Your total owed is $18,400. If CarMax offers $2500, and Toyota does also, use the Toyota. and you will benefit ($175).
GM has a great incentive on vehicles - 0% financing for 60 months. If you have decent credit and qualify, you can save money on your truck payment. (This may offset having to put down the entire $3000....and you can get your teeth fixed and the truck)
From what I know about Toyota, I am unsure if you can get any finance options. Has a dealer told you your truck is worth $2500? If you are looking @ a "blue book" value, you may not get it from a dealer. If you have a CarMax near you, I would suggest having them give you an estimate on your truck. However, if you use your truck as a "trade in", the value of the trade in is credited off your new vehicle for calculating sales tax.
For example, lets say your new truck costs $20k. You get a $2500 trade in value from Toyota. You will be taxed on the $17,500. Use 7% as a tax rate - Your sales tax will be $1225, making the amount owed, $18,725. If CarMax tells you your truck is worth $3000, you take the cash to Toyota and use it as a down payment. So, $20k less $3k is $17000, but you will be taxed on $20k, or $1400. Your total owed is $18,400. If CarMax offers $2500, and Toyota does also, use the Toyota. and you will benefit ($175).
McBane
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HighLordDave
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Is it coming out straight or is it turned?Originally posted by RandomThug
p.s. I also have a wisdom tooth crusin out and I got no dental insuarance...
Straight will usually be just a visit to the dentist.
Turned...money. Both my bottom wisdom teeth where turned, and I had no dental insurance. Once I explained this (money) to the ?ortadonise? (Dentist with different name) he came down on his price. It started at $550.00, but he only charged $275.00 (each tooth). Plus I had to be put to sleep for the tooths the be taken.
As HLD said..."health now". Waiting on turned wisdom teeth will cause them to hit and then you will suffer headaches. It will rub against your other teeth and wear the enamal off of them, leading to tooth decay.
"Vile and evil, yes. But, That's Weasel" From BS's book, MD 20/20: Fine Wines of Rocky Flop.
Here I am to give you advice from the woman's point of view. This is very good advice, you should print it out and keep it with you. 
1. Save up for truck and put bigger down payment then proposed 3,000.
Do NOT get a truck. Trucks are sexy to *some* women yes, but those women are usually missing teeth or have moral Christian values (i.e. ‘don’t put out’).
There are many options here for a vehicle that is not as boring as a truck.
a. Motorcycles. Some women feel they lend a certain air of being a sexy, roguish, hard to get babe. Two of my friends in particular lose all brain cells and become putty when certain ‘not good for them’ men ride up on their motorcycles, unkept dark hair blowing in the wind…slightly beaten jeans creased in just the right places as it caresses lean male thighs *shakes her head to knock herself out of it*…oops…where was I?
b. A big black hearse with black painted windows. No matter where you go women will be looking your way. You will have a mysterious ‘Is he an axe murderer or an artist’ quality about you that will make them line up in droves.
c. A white horse named Lance for sweeping us up and carrying us away to a sun-swept beach!
d. And the car that will get Viv. A van or a limo or even a converted semi with a hot tub in it. It’s the perfect way to make those long car rides more interesting! Plus, if you tint the windows just enough it becomes a ‘swim suit optional’ type of hot tub and there’s nothing bad about that.
As you can see all of these are better than a truck.
2.Get tattoo in a week or two, wait longer for truck.
No, no. Only if you are doing the motorcycle thing above should you get a tattoo, and then it should be something that accentuates your muscles and goes well with a leather thong for playing ‘Tarzan and Jane and the sexy college coed’
I say spend your extra money investing so you have more. Then, when you have a lot, fall in love and give it all to some woman. If you already have a love and haven’t done so, shame. If you never fall in love, just go to bars and buy all the attractive women all the drinks they want, it’s a good investment because then we women get more wine. Ooh…or give money to animal pounds to save those cute and furry animals.
3. Buy more computer games.. Wait longer.
Good choice, but I vote for fixing your teeth. (I suggest getting a job that has dental insurance or really good perks like being a bouncer at a strip joint).
4. Shut the hell up and put down 4 grand.
For the truck? No, no, see a-d above.
5. Buy an older truck....
No, no, see a-d above.
See I’m full of it.
Of good advice that is…*looks around suspiciously*
There, I believe I have helped this poor man before making a mistake.
P.S. I was teasing on all of the above, but yes, I don’t like trucks…sooo normal…everyone has them now just like SUV’s… (nothing says ‘boring in the sack’ like an SUV)
1. Save up for truck and put bigger down payment then proposed 3,000.
Do NOT get a truck. Trucks are sexy to *some* women yes, but those women are usually missing teeth or have moral Christian values (i.e. ‘don’t put out’).
There are many options here for a vehicle that is not as boring as a truck.
a. Motorcycles. Some women feel they lend a certain air of being a sexy, roguish, hard to get babe. Two of my friends in particular lose all brain cells and become putty when certain ‘not good for them’ men ride up on their motorcycles, unkept dark hair blowing in the wind…slightly beaten jeans creased in just the right places as it caresses lean male thighs *shakes her head to knock herself out of it*…oops…where was I?
b. A big black hearse with black painted windows. No matter where you go women will be looking your way. You will have a mysterious ‘Is he an axe murderer or an artist’ quality about you that will make them line up in droves.
c. A white horse named Lance for sweeping us up and carrying us away to a sun-swept beach!
d. And the car that will get Viv. A van or a limo or even a converted semi with a hot tub in it. It’s the perfect way to make those long car rides more interesting! Plus, if you tint the windows just enough it becomes a ‘swim suit optional’ type of hot tub and there’s nothing bad about that.
As you can see all of these are better than a truck.
2.Get tattoo in a week or two, wait longer for truck.
No, no. Only if you are doing the motorcycle thing above should you get a tattoo, and then it should be something that accentuates your muscles and goes well with a leather thong for playing ‘Tarzan and Jane and the sexy college coed’
I say spend your extra money investing so you have more. Then, when you have a lot, fall in love and give it all to some woman. If you already have a love and haven’t done so, shame. If you never fall in love, just go to bars and buy all the attractive women all the drinks they want, it’s a good investment because then we women get more wine.
Ooh…or give money to animal pounds to save those cute and furry animals.3. Buy more computer games.. Wait longer.
Good choice, but I vote for fixing your teeth. (I suggest getting a job that has dental insurance or really good perks like being a bouncer at a strip joint).
4. Shut the hell up and put down 4 grand.
For the truck? No, no, see a-d above.
5. Buy an older truck....
No, no, see a-d above.
See I’m full of it.
Of good advice that is…*looks around suspiciously*
There, I believe I have helped this poor man before making a mistake.
P.S. I was teasing on all of the above, but yes, I don’t like trucks…sooo normal…everyone has them now just like SUV’s… (nothing says ‘boring in the sack’ like an SUV)
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Bloodstalker
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a. Motorcycles. Some women feel they lend a certain air of being a sexy, roguish, hard to get babe. Two of my friends in particular lose all brain cells and become putty when certain ‘not good for them’ men ride up on their motorcycles, unkept dark hair blowing in the wind…slightly beaten jeans creased in just the right places as it caresses lean male thighs *shakes her head to knock herself out of it*…oops…where was I?
Quick, give me the phone numbers.
Lord of Lurkers
Guess what? I got a fever, and the only prescription is more cowbell!
Guess what? I got a fever, and the only prescription is more cowbell!
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RandomThug
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Women, and whats right with them... (see - Nothing)
Alright then... well I think my tooth is coming in kind of slightly at an angle... it doesnt appear to be bothering other teeth (the tooth is like a tiny bit already portruding from gums)
Throw in a cog in the gears, my job will offer dental in sixty more days. So... wait? By then I could have more money ( a good deal more) saved for the truck.
Also... My truck is worth about 2500, I could get lucky and sell it for 2900 but thats all relative if I can find the right guy. I have a buyer at 2500 right now (friend) i just have to wait on him.
I dont like motor cycles (Broke my jaw in two places and crushed my heel before on one... hurt) I mean I like them, just rather have a truck.
If someone could show me some links to cool cars I might think aboutnot getting the truck... and for the horse... no thank you.
Im tired and worried.... I want a new truck its getting mind numbing frustrating starting up my truck and having to WAIT for it to warm up.
thug
love ya all.
Alright then... well I think my tooth is coming in kind of slightly at an angle... it doesnt appear to be bothering other teeth (the tooth is like a tiny bit already portruding from gums)
Throw in a cog in the gears, my job will offer dental in sixty more days. So... wait? By then I could have more money ( a good deal more) saved for the truck.
Also... My truck is worth about 2500, I could get lucky and sell it for 2900 but thats all relative if I can find the right guy. I have a buyer at 2500 right now (friend) i just have to wait on him.
I dont like motor cycles (Broke my jaw in two places and crushed my heel before on one... hurt) I mean I like them, just rather have a truck.
If someone could show me some links to cool cars I might think aboutnot getting the truck... and for the horse... no thank you.
Im tired and worried.... I want a new truck its getting mind numbing frustrating starting up my truck and having to WAIT for it to warm up.
thug
love ya all.
Jackie Treehorn: People forget the brain is the biggest sex organ.
The Dude: On you maybe.
The Dude: On you maybe.
952-854- *Viv stops mid number*Originally posted by Bloodstalker
Quick, give me the phone numbers.
Wait a second.
You'll be just as bad for them, PLUS you carry large amounts of alcohol and they're light weights. You'd have them crawling all over you begging you for more. No way am I subjecting my poor friends to more of that, they've learned they're leasons after the last time.
*Puts numbers away*
Besides, you're too far away.
OK... Vivien had her go.
I would go for a IROC. Tune ported to say the least. Upgrade to a paxton supercharger, new cam (290 degree lift .@ 50 degrees ..510 lift...a split duration (292, 301) would work as well), shift kit for the trans..plus a external cooler. New runners for the ports. Drop the 10 bolt chevy rearend and replace it with a ford nine inch. Gear ..3.73 to a 4.10 (Ford doesn't have a 4.11). Trash the factory rims and find some 16/10's or 17/10's.
I would continue...but I need to go to the bathroom and read HotRod Weekly.
I would go for a IROC. Tune ported to say the least. Upgrade to a paxton supercharger, new cam (290 degree lift .@ 50 degrees ..510 lift...a split duration (292, 301) would work as well), shift kit for the trans..plus a external cooler. New runners for the ports. Drop the 10 bolt chevy rearend and replace it with a ford nine inch. Gear ..3.73 to a 4.10 (Ford doesn't have a 4.11). Trash the factory rims and find some 16/10's or 17/10's.
I would continue...but I need to go to the bathroom and read HotRod Weekly.
"Vile and evil, yes. But, That's Weasel" From BS's book, MD 20/20: Fine Wines of Rocky Flop.
Re: Women, and whats right with them... (see - Nothing)
I have no real advice then if you don't like horses or my hot tub idea.
Well, no PRACTICAL advice(I'm partial to the mitsubishi spider, but that's not the best car to get), but maybe one of the others can help.
*hug* Hope it works out for you then.
AhOriginally posted by RandomThug
I dont like motor cycles (Broke my jaw in two places and crushed my heel before on one... hurt) I mean I like them, just rather have a truck.
If someone could show me some links to cool cars I might think aboutnot getting the truck... and for the horse... no thank you.
Im tired and worried.... I want a new truck its getting mind numbing frustrating starting up my truck and having to WAIT for it to warm up.
thug
love ya all.
I have no real advice then if you don't like horses or my hot tub idea. Well, no PRACTICAL advice(I'm partial to the mitsubishi spider, but that's not the best car to get), but maybe one of the others can help.
*hug* Hope it works out for you then. -
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HighLordDave
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As always, Vivien has lots of good advice, except . . .
Chicks dig trucks. And not just the girls who rassle alligators and clean their own firearms. A lot of girls are attracted to guys because of his truck. If our friend RandomThug likes trucks, then he should get a truck. Personally, trucks aren't my thing so I'd get a jeep (86 CJ7 to be exact), but that's just me.
Of course, for a real babe magnet, you need an old full-size conversion van. Take out all the seats and install a double size mattress, put limo tint on the windows, drop in some 15" woofers and make it into your own personal "Luv Machine".
Chicks dig trucks. And not just the girls who rassle alligators and clean their own firearms. A lot of girls are attracted to guys because of his truck. If our friend RandomThug likes trucks, then he should get a truck. Personally, trucks aren't my thing so I'd get a jeep (86 CJ7 to be exact), but that's just me.
Of course, for a real babe magnet, you need an old full-size conversion van. Take out all the seats and install a double size mattress, put limo tint on the windows, drop in some 15" woofers and make it into your own personal "Luv Machine".
Jesus saves! And takes half damage!
If brute force doesn't work, you're not using enough.
If brute force doesn't work, you're not using enough.
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RandomThug
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HighLordDave
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I can see we will be good friendsOriginally posted by RandomThug
Weasel wanna know something funny. I am a computer technician.
at
Edelbrock Corp.
thug
I would tend to agree with you here.Originally posted by Vivien
*whispers*
Weasel, that may not be the thing to admit if you want to get the babes.
"Vile and evil, yes. But, That's Weasel" From BS's book, MD 20/20: Fine Wines of Rocky Flop.
That's even worseOriginally posted by HighLordDave
I think he "reads" it for the girls (and their breast implants) that are splayed out across the cars.
(Shame on you Weasel! What would Mrs. Weasel say?)Okay, as per trucks, it's a personal thing for me. In my suburban highschool we had 'Texas wannabe's' who wore cowboy hats (to protect them from the non-existant Minnesotan sun), cowboy boots in case a rattlesnake sprang from the parking lot
and big ol' trucks that never hauled a thing...But some people do use them for actual trucking purposes...or ride around in them shirtless making them okay too...
(By the way, the van you mentioned is for 'swingers', are we sure we want poor Thug to become a 'swinger' at age 20?)
Bloodstalker: I still don't trust you, you belong to the SLURRS and per Beldin that means you only think about sex.
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HighLordDave
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He should just watch more Scooby-Doo . . .Originally posted by Vivien
(By the way, the van you mentioned is for 'swingers', are we sure we want poor Thug to become a 'swinger' at age 20?)
By the way, long time, no see, Vivien. How have you been?
Jesus saves! And takes half damage!
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If brute force doesn't work, you're not using enough.
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RandomThug
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reasons
My father is a General Contractor. Mostly custom homes and additions. In other words I help him a lot with work (used to work for him) I need a truck there. But I dont work for him anymore so its kinda cool to not have a truck. But then I am also a surfer... but thats what surf racks are for. So I could argue this all day... I just dont know what to look at in cars (I have only owned trucks)
And I am NOT... NOT one of those cowboy hat wearing sons of.....
I use my truck (and the current fad around here is making them all off roady, I see these trucks with thier bodies modified... extra spare tires... all tricked out... then you notice "Stock Shocks"...)
thug
My father is a General Contractor. Mostly custom homes and additions. In other words I help him a lot with work (used to work for him) I need a truck there. But I dont work for him anymore so its kinda cool to not have a truck. But then I am also a surfer... but thats what surf racks are for. So I could argue this all day... I just dont know what to look at in cars (I have only owned trucks)
And I am NOT... NOT one of those cowboy hat wearing sons of.....
I use my truck (and the current fad around here is making them all off roady, I see these trucks with thier bodies modified... extra spare tires... all tricked out... then you notice "Stock Shocks"...)
thug
Jackie Treehorn: People forget the brain is the biggest sex organ.
The Dude: On you maybe.
The Dude: On you maybe.