Just about any gov’t job, especially one that requires clearance of any type.

LeVay was a shit person, but roy is worse.

“Gays, lesbians, and transgenders have joined forces with those who believe in abortion, sodomy, and destruction of all that we hold dear.”

Even his Satanism (not the political atheist satanists), which was primarily about being selfish and created so he could have more sex, was adamantly antipedophilia.

He’s truly a piece of shit.

These people legitimately think they’re fighting a holy war, it’s disturbing as hell.

I guess he and his family have looted all the money from that fake charity they allegedly run. The whole family is full of con artists. They run a sham nonprofit called the Foundation for Moral Law. The organization collected a $1 million in donations that they conveniently forgot to report to the IRS. The whole…

Clearly he should have turned down the job offer and panhandled on the streets until he had enough money to buy the car, so that he could avoid the $835 in interest payments (laughable, by the way).

True, particularly on something like a Honda Fit that depreciates slowly. Still, he did say that he didn’t have any money at all when he needed to buy, so I thought he might not have put any down.

People seem to think debt is universally bad and don’t understand how to leverage your credit/debt into wealth.

That’s his point. For a vast majority of Americans, paying 4% on a car loan is better than the alternatives.

Sadly, your username isn’t “LittleRedMissesTheFuckingPointEntirelyDude”.

That’s what I don’t get here. It’s not like he even got a bad rate. I mean it’s not an amazing rate, but it’s well within the realm of reasonable.

The car was also going to depreciate anyway. That only comes up if you need to sell it or it’s totalled while the loan is underwater.

Living in Weehawken, NJ and commuting to midtown by bus, I spend about $1,400 per year taking the freaking bus on commuting so less than $900 a year in a comfortable, private car doesn’t seem so bad. People who take the train from places further out in NJ spend over $4K per year on trains so again, $900 is not bad at…

So $2600+$854 for depreciation and interest on loan equals $3454. That means you had reliable transportation (a necessity for your job aka your income) for four years at $863/year. I’m ignoring maintenance and insurance, because those costs have nothing to do with the loan. Also, buying used means you saved money on…

You don’t seem to understand ‘investing’ or ‘opportunity cost’

Isn’t America an amazing country? Total strangers loaned you enough money that you could buy one of life’s necessities at less than 5% interest.

I don’t think your thought process makes total sense. The car would have depreciated the same amount whether you took a loan or bought it outright. Basically, you paid $835 in installments for the ability to buy a car right away.