First Time Buyer: Loan Questions
09-11-2010, 03:46 PM
#1
Registered User
Thread Starter
First Time Buyer: Loan Questions
Hey guys,
So I just got a great job in my field of engineering and the pay is great. I'm looking to start saving agressively for a nice little down payment on an S Coupe with Nav. I would like to buy sometime after March of 2011, once the snow ends here in Chicago. My question is, is it a stretch to get approved for a loan straight out of college with only 7 months (what I will have at that point) of career income history?
My Second question is, would it be hard to get a low interest rate as well? I'm 23 now and I've worked since I was 16, even while I was in college. I've also had a credit card and a cell phone bill since I was 16. I've never been late on a payment and I always keep a reasonable balance on my card. I bought a new car in 2005 with my dad as a cosigner that I paid off full. I have also been making steady payments on my student loans. But I also know that companies look at age, which is what I fear may disqualify me or put me at a disadvantage.
Is this enough credit history to be "established"? I checked my credit score about 2 years ago and it was in the mid 700s. It seemed high to me and I still think that they have confused me with my father who shares my name. For some reason I wasn't registered as a Jr. But then we do have different SS numbers. I recently had Jr. added to my name. Thanks in advance for any help with my questions guys.
Regards,
MechE
So I just got a great job in my field of engineering and the pay is great. I'm looking to start saving agressively for a nice little down payment on an S Coupe with Nav. I would like to buy sometime after March of 2011, once the snow ends here in Chicago. My question is, is it a stretch to get approved for a loan straight out of college with only 7 months (what I will have at that point) of career income history?
My Second question is, would it be hard to get a low interest rate as well? I'm 23 now and I've worked since I was 16, even while I was in college. I've also had a credit card and a cell phone bill since I was 16. I've never been late on a payment and I always keep a reasonable balance on my card. I bought a new car in 2005 with my dad as a cosigner that I paid off full. I have also been making steady payments on my student loans. But I also know that companies look at age, which is what I fear may disqualify me or put me at a disadvantage.
Is this enough credit history to be "established"? I checked my credit score about 2 years ago and it was in the mid 700s. It seemed high to me and I still think that they have confused me with my father who shares my name. For some reason I wasn't registered as a Jr. But then we do have different SS numbers. I recently had Jr. added to my name. Thanks in advance for any help with my questions guys.
Regards,
MechE
09-11-2010, 03:51 PM
#2
Administrator
Congrats on landing a job.. good to see us Mechanical Engineers still have it going 
09-11-2010, 04:14 PM
#3
MechE,
Congrats on the job and living in Chicago
Regarding the loan, first thing is first... check your credit score/history. FreeCreditReport.com gives you 7 days free if you sign up and won't charge you if you call and cancel before that time. It works great for a quick glimpse.
Secondly, I would try to establish a relationship with a credit union as they are a little easier on approving loans for people in your situation. You will also most likely get a chance to explain your situation and how reliable you have been with previous credit relationships. Trust me, they'll listen. I can personally recommend Consumers Credit Union out of Lake County. They helped me finance my toys (jetski, skooter, motorcycle) and they're amazing to work with. Plus they have super low interest rates... as low as 2.25% for new cars.
If you're forced to roll with a bank or Infiniti Finance... just have 15%-25% for a down payment. I'd say 25% if your credit score is 675 or lower.
Hope this helps!
Congrats on the job and living in Chicago
Regarding the loan, first thing is first... check your credit score/history. FreeCreditReport.com gives you 7 days free if you sign up and won't charge you if you call and cancel before that time. It works great for a quick glimpse.
Secondly, I would try to establish a relationship with a credit union as they are a little easier on approving loans for people in your situation. You will also most likely get a chance to explain your situation and how reliable you have been with previous credit relationships. Trust me, they'll listen. I can personally recommend Consumers Credit Union out of Lake County. They helped me finance my toys (jetski, skooter, motorcycle) and they're amazing to work with. Plus they have super low interest rates... as low as 2.25% for new cars.
If you're forced to roll with a bank or Infiniti Finance... just have 15%-25% for a down payment. I'd say 25% if your credit score is 675 or lower.
Hope this helps!
09-11-2010, 06:17 PM
#4
you should get a quote on insurance first.
Continue to save aggressively on that down payment.
The bank financing your loan is going to look how long you've been on the job.
Sounds like you have the credit thing situated, the only problem I see would be the length of time on the job and insurance payment.
Good luck to you bro!
Continue to save aggressively on that down payment.
The bank financing your loan is going to look how long you've been on the job.
Sounds like you have the credit thing situated, the only problem I see would be the length of time on the job and insurance payment.
Good luck to you bro!
09-11-2010, 06:42 PM
#5
What the hell is everyone paying for insurance here? $200-300/month? wtf? no way unless you're a god awful driver with a ton of accidents under your belt.
I'm 24 years old, have had this car since I was 22, self employed and live in Southern California (Malibu). I have the 2nd highest coverage State Farm offers with a $2.5mil umbrella policy on top of that. There is only one other car on my policy and it's the exact same, 2008 G37S Coupe in black. I have zero accidents but DO have a medical claim from 2006 due to a under insured driver. In California and California ONLY, even if you're not at fault... having any medical claim on your CAR insurance hurts your rate. It's not the same as charging you with an accident, but I think it just makes your medical coverage a bit higher and therefor making your total premium higher.
My policy summary:
2008 G37S Coupe with 24 year old driver: $118/month
2008 G37S Coupe with 27 year old driver: $98/month
This is what I pay for both cars per month with the umbrella policy through State Farm. I also have my email from a State Farm agent here in Chicago as I was debating if I should register here or not... price is only a few dollars more at $124/month for me personally.
I really have to stick up with the young ones here that purchase these cars especially this guy's case. Clearly he's doing something right with his moves to of landed a job, in this economy, as an electrical engineer which makes decent cash right out of college.
Maybe he's someone looking for a car to keep until it dies rather than blowing half the money on some horrid eco-box that he'll just literally throw away in a few years. If I was in his boat, I'd do the same thing. Even at 15% down, you're talkin' $570/month for the car + insurance = $750ish/month. Assuming he's making around $40k/year and is single, he has plenty to save for a house/condo/whatever it may be.
Not sure where your math is coming from newg37 but if he was to put 25% down on a $40,000 car and finance 60 months @ 2.49% his monthly Payment = 532.29
I'm 24 years old, have had this car since I was 22, self employed and live in Southern California (Malibu). I have the 2nd highest coverage State Farm offers with a $2.5mil umbrella policy on top of that. There is only one other car on my policy and it's the exact same, 2008 G37S Coupe in black. I have zero accidents but DO have a medical claim from 2006 due to a under insured driver. In California and California ONLY, even if you're not at fault... having any medical claim on your CAR insurance hurts your rate. It's not the same as charging you with an accident, but I think it just makes your medical coverage a bit higher and therefor making your total premium higher.
My policy summary:
2008 G37S Coupe with 24 year old driver: $118/month
2008 G37S Coupe with 27 year old driver: $98/month
This is what I pay for both cars per month with the umbrella policy through State Farm. I also have my email from a State Farm agent here in Chicago as I was debating if I should register here or not... price is only a few dollars more at $124/month for me personally.
I really have to stick up with the young ones here that purchase these cars especially this guy's case. Clearly he's doing something right with his moves to of landed a job, in this economy, as an electrical engineer which makes decent cash right out of college.
Maybe he's someone looking for a car to keep until it dies rather than blowing half the money on some horrid eco-box that he'll just literally throw away in a few years. If I was in his boat, I'd do the same thing. Even at 15% down, you're talkin' $570/month for the car + insurance = $750ish/month. Assuming he's making around $40k/year and is single, he has plenty to save for a house/condo/whatever it may be.
Not sure where your math is coming from newg37 but if he was to put 25% down on a $40,000 car and finance 60 months @ 2.49% his monthly Payment = 532.29
09-11-2010, 06:54 PM
#6
Registered User
Thread Starter
Thanks Sam, Nick and Raul. I really appreciate it. However, I am a Mechanical Engineer 
. I will look into a credit union.
NewG37, way to be a downer! Care to show me the math for which I would pay $700 a month on a loan with 25% down? That must be a ridiculous suckers interest rate. The company that hired me on prides themselves on not having laid anyone off since the great depression, so I think I'm good there. They're actually looking to expand. I'm a great and honest worker so I'm not worried about getting fired. By my very conservative calculations, I can comfortably pay my projected payment, insurance on a family plan, school loans, other bills, 401k, medical, and still have savings to put aside. Like I said, GREAT job with GREAT PAY.
I'm young and single. I'm not a big spender. I've worked hard to get where I'm at and I've always wanted a nice car. I think I can give myself one luxury before I settle down and have to start worrying about bigger things than me? Why did I just explain myself?!
. I will look into a credit union. NewG37, way to be a downer!
Care to show me the math for which I would pay $700 a month on a loan with 25% down? That must be a ridiculous suckers interest rate. The company that hired me on prides themselves on not having laid anyone off since the great depression, so I think I'm good there. They're actually looking to expand. I'm a great and honest worker so I'm not worried about getting fired. By my very conservative calculations, I can comfortably pay my projected payment, insurance on a family plan, school loans, other bills, 401k, medical, and still have savings to put aside. Like I said, GREAT job with GREAT PAY.I'm young and single. I'm not a big spender. I've worked hard to get where I'm at and I've always wanted a nice car. I think I can give myself one luxury before I settle down and have to start worrying about bigger things than me? Why did I just explain myself?!
Last edited by MechE; 09-11-2010 at 07:03 PM. Reason: Answering other posts
09-11-2010, 10:57 PM
#7
newg37,
At the expensive of repeating myself, I told him specifically to go to a credit union where the interest rates are much lower and he can wheel and deal with his Infiniti dealer until he's blue in the face... this way he loses NO incentives and can land a car for exactly what he wants to pay. Just based on the fact that you're supporting your argument with an "average" statistic provided by cars.com tells me you really have no research or, as you like to put it, "sound financial" planning experience under your belt.
From the credit union I suggested him to: 36 months @ 2.49% fixed. Now, he probably won't do 36 months so lets see what he'll be at for 60 months.
60 months @ 4.19% - .25% for setting up automatic payments (perk they have), .50% for setting up a checking account with them (yet another perk) AND .25% for setting up a savings account with them. Do the math again. 3.19% @ 60 months and all he has to do is keep $10.00 or whatever in each checking/savings accounts with them.
You're talking averages you find on the internet. I'm talking actual rates available to the public... not to mention a bank local to the original poster.
Regarding my insurance... I'm sorry to hear you're getting bent over as much as you are. I have been with State Farm since I was 18 years old under my very own, single vehicle account. Since that time, I have been through 9 vehicles... none of which have been over $200/month and all registered in Chicago, IL for the zip code 60634. I paid the same rate as someone who lived downtown and parked on the street. When I bought the G I joined policies with my business partner so we could both save money. We weren't grandfathered in nor were our parents under our policy or vice versa. We have 2.5mil in overhead coverage due to a large amount of assets between us as well as two businesses. I know this must be hard for you to comprehend judging your reaction... but it's protection we like to carry. Umbrella policies ARE NOT expensive and add great protection to your entire policy. To further blow this down your pipe, I'd love to scan my policy showing exactly what discounts I get and to further prove that you're getting screwed by progressive... big time. The only thing I can think of that supports your expensive policy is that you live in a very high risk, highly rated area.
This isn't 1950... insurance companies don't rate vehicles on them being sport cars or sedans or wagons or whatever it may be. Same was as they don't charge you more if your car is red. Our cars are rated based on our drivers and now, since the data is in for the past few years, how risky this vehicle is and what type of people are buying them. In 2004 I was paying $89/month for a Subaru STi... two years later that exact car doubled in price due to the amount of idiot kids buying them and slamming them in to trees.
And put your model year to rest, I looked up my policy when I first bought the car to see exactly what changed in my monthly rate from the start of the policy to this very day.
June-Dec 2008: $149.32/month
Jan-June 2009: $136.29/month
June-Dec 2009: $136.29/month
Jan-June 2010: $118.73/month
I think you should understand how insurance works a little better and how they rate vehicles and drivers. Until you can grasp this, you will find all figures that run past you to be shocking... especially when you're getting ****ed as hard as you are.
Oh, and to make people on here smile a little more... (and if you're in the market for any of these), I am posting an email I got from my State Farm agent for quotes on the below vehicles for my business(s). I was actually shocked at this:
And in closing... the "king of malibu" was born, raised, and currently residing in Chicago. Cheers.
At the expensive of repeating myself, I told him specifically to go to a credit union where the interest rates are much lower and he can wheel and deal with his Infiniti dealer until he's blue in the face... this way he loses NO incentives and can land a car for exactly what he wants to pay. Just based on the fact that you're supporting your argument with an "average" statistic provided by cars.com tells me you really have no research or, as you like to put it, "sound financial" planning experience under your belt.
From the credit union I suggested him to: 36 months @ 2.49% fixed. Now, he probably won't do 36 months so lets see what he'll be at for 60 months.
60 months @ 4.19% - .25% for setting up automatic payments (perk they have), .50% for setting up a checking account with them (yet another perk) AND .25% for setting up a savings account with them. Do the math again. 3.19% @ 60 months and all he has to do is keep $10.00 or whatever in each checking/savings accounts with them.
You're talking averages you find on the internet. I'm talking actual rates available to the public... not to mention a bank local to the original poster.
Regarding my insurance... I'm sorry to hear you're getting bent over as much as you are. I have been with State Farm since I was 18 years old under my very own, single vehicle account. Since that time, I have been through 9 vehicles... none of which have been over $200/month and all registered in Chicago, IL for the zip code 60634. I paid the same rate as someone who lived downtown and parked on the street. When I bought the G I joined policies with my business partner so we could both save money. We weren't grandfathered in nor were our parents under our policy or vice versa. We have 2.5mil in overhead coverage due to a large amount of assets between us as well as two businesses. I know this must be hard for you to comprehend judging your reaction... but it's protection we like to carry. Umbrella policies ARE NOT expensive and add great protection to your entire policy. To further blow this down your pipe, I'd love to scan my policy showing exactly what discounts I get and to further prove that you're getting screwed by progressive... big time. The only thing I can think of that supports your expensive policy is that you live in a very high risk, highly rated area.
This isn't 1950... insurance companies don't rate vehicles on them being sport cars or sedans or wagons or whatever it may be. Same was as they don't charge you more if your car is red. Our cars are rated based on our drivers and now, since the data is in for the past few years, how risky this vehicle is and what type of people are buying them. In 2004 I was paying $89/month for a Subaru STi... two years later that exact car doubled in price due to the amount of idiot kids buying them and slamming them in to trees.
And put your model year to rest, I looked up my policy when I first bought the car to see exactly what changed in my monthly rate from the start of the policy to this very day.
June-Dec 2008: $149.32/month
Jan-June 2009: $136.29/month
June-Dec 2009: $136.29/month
Jan-June 2010: $118.73/month
I think you should understand how insurance works a little better and how they rate vehicles and drivers. Until you can grasp this, you will find all figures that run past you to be shocking... especially when you're getting ****ed as hard as you are.
Oh, and to make people on here smile a little more... (and if you're in the market for any of these), I am posting an email I got from my State Farm agent for quotes on the below vehicles for my business(s). I was actually shocked at this:
Hi Nick per our conversation here are the rates for the vehicles you asked about.
07 Lamborghini Gallardo 6 months $630.92 monthly $105.15
07 Aston Martin Vantage 6 months $461.31 monthly $76.89
02 Ferrari 360 Modena 6 months $452.19 monthly $75.37
Coverages would be same as you currently carry on your vehicle with the umbrella included. Please let me know if you have any question or need a quote on anything else.
Best Regards,
Vanesa Ramirez
Joe Davidheiser's Office
State Farm Insurance
Providing Insurance & Financial Services
175 E Wilbur Rd #102
Thousand Oaks Ca, 91360
B: 805-496-4508
F: 805-494-1249
vanesa.ramirez.m5z8@statefarm.com
State Farm Agent Joe Davidheiser LUTC -- Thousand Oaks,CA
07 Lamborghini Gallardo 6 months $630.92 monthly $105.15
07 Aston Martin Vantage 6 months $461.31 monthly $76.89
02 Ferrari 360 Modena 6 months $452.19 monthly $75.37
Coverages would be same as you currently carry on your vehicle with the umbrella included. Please let me know if you have any question or need a quote on anything else.
Best Regards,
Vanesa Ramirez
Joe Davidheiser's Office
State Farm Insurance
Providing Insurance & Financial Services
175 E Wilbur Rd #102
Thousand Oaks Ca, 91360
B: 805-496-4508
F: 805-494-1249
vanesa.ramirez.m5z8@statefarm.com
State Farm Agent Joe Davidheiser LUTC -- Thousand Oaks,CA
Last edited by PureNick; 09-11-2010 at 11:08 PM.
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09-11-2010, 11:39 PM
#8
Holy troll response.
Shall I even dare to ask if you can read much less comprehend anything I just said? When did I ever say 24 months @ 2.5%? 2.49% at 36 months... however, 3.19% for 60 months. That is what I clearly said. And why do I lease? Uh... because I own a business and enjoy switching vehicles every 3 years. Speak to your tax guy, aka google in your case, about leases and businesses. It makes more "sound financial" sense.
Also,
L-O-L? Credit Unions are for people with bad credit? Oh lord. This coming from the man with sound financial planning. Since when the hell has a credit union been for people with bad credit? Insane and not to mention immature... especially coming from a grown *** (or trying to come off as) man.
Daddy's plan? No. Not even close. Not sure what part of business owner and business partner you do not comprehend. I'll be happy to provide you with my business information as well if you STILL cannot comprehend that I simply do not need any sort of support other than my own.
9 cars in 9 years, actually. Again, check your math... trollzor.
oh hey! look!
A quote from progressive (LIKE YOU ASKED) listing JUST ME as the driver! Oh my Progressive... LYING IS FUN!
Feel free to visit http://www.pure-voice.net/ - My business. Email any of the public email addresses you can find on that site, or call our 1-800 number and ask who the CEO/Owner is, one of my reps would be happy to tell you. Better yet, stop by one of my 8 offices as well. http://www.pure-voice.net/locations - I'm sure I'm close to you somewhere lol. But hell, I'm sure it's easier to just assume I'm some kid street racing in daddy's luxury car right? Ha.
Upon throwing the towel in on this immature mess I've been speaking with... I hope one day you can open your eyes and STOP putting people down just because they want to buy something nice in their life after busting their *** for years to get ahead of the game. It's honestly people like yourself who motivate not only people like myself but the original poster to become a better person at what they do.
Edit: and since I know you're going to claim "ITS A 2008 YOU RATED FOR!!! NOT A 2010!!! YAR YAR TROLL TROLL" I changed the year of the vehicle to a 2011 and the rate increased only $148/year. So sorry so sad.
Shall I even dare to ask if you can read much less comprehend anything I just said? When did I ever say 24 months @ 2.5%? 2.49% at 36 months... however, 3.19% for 60 months. That is what I clearly said. And why do I lease? Uh... because I own a business and enjoy switching vehicles every 3 years. Speak to your tax guy, aka google in your case, about leases and businesses. It makes more "sound financial" sense.
Also,
credit unions are largely for people with ruined credit or no credit, which is why I suppose you are part of one.
Daddy's plan? No. Not even close. Not sure what part of business owner and business partner you do not comprehend. I'll be happy to provide you with my business information as well if you STILL cannot comprehend that I simply do not need any sort of support other than my own.
9 cars in 9 years, actually. Again, check your math... trollzor.
oh hey! look!
A quote from progressive (LIKE YOU ASKED) listing JUST ME as the driver! Oh my Progressive... LYING IS FUN!
Feel free to visit http://www.pure-voice.net/ - My business. Email any of the public email addresses you can find on that site, or call our 1-800 number and ask who the CEO/Owner is, one of my reps would be happy to tell you. Better yet, stop by one of my 8 offices as well. http://www.pure-voice.net/locations - I'm sure I'm close to you somewhere lol. But hell, I'm sure it's easier to just assume I'm some kid street racing in daddy's luxury car right? Ha.
Upon throwing the towel in on this immature mess I've been speaking with... I hope one day you can open your eyes and STOP putting people down just because they want to buy something nice in their life after busting their *** for years to get ahead of the game. It's honestly people like yourself who motivate not only people like myself but the original poster to become a better person at what they do.
Edit: and since I know you're going to claim "ITS A 2008 YOU RATED FOR!!! NOT A 2010!!! YAR YAR TROLL TROLL" I changed the year of the vehicle to a 2011 and the rate increased only $148/year. So sorry so sad.
Last edited by PureNick; 09-11-2010 at 11:55 PM.
09-11-2010, 11:59 PM
#9
Registered User
Thread Starter
average interest rates are 6%. 4% being the low end unless you forfeit your cash incentives. with $8 grand down and 8% sales tax interest the car payment is $650/mo on a $40k car. not bad math considering i calculated that in my head and came out to $700! If he puts only $4,000 down, that payment will skyrocket. one fender bender or under insured motorist claim and his premium will skyrocket.
my coverage is 100/300/100 and I pay $1770 for 6 mos with ZERO accidents with progressive. a 2.5 million dollar policy wtf. would cost me $500/mo. you are making up figures, or on an umbrella plan with your parents or have had a family history with state farm for 20+ years. no 23 year old pays insurance like that on a sports car. my wife is almost 24 with good credit and also zero accidents if she weren't on my policy she'd pay $320/mo for a measly 10/20/10 with virtually no comp and collision with progressive and even more with allstate/state farm/geico. i've cross shopped all of them.
You DO realize there is also a discount on two cars under one policy right? AND your car is an 08.. not a 2010. why don't you get a quote from geico/progressive on ONE car and see what the average 23 year old actually pays.. in a lease if you don't provide 100/300/100 the leasing company buys it for you. And they buy it at a "fair market price" which comes out to over $400/mo!
and for a 23 y/o with no work experience straight out of college to buy a $40,000 car is irresponsible to say the least but he can do whatever he wants with his money. a fine example of how people live beyond their means. people with masters and ph.ds get laid off all the time so a guy with a BS in science isn't exactly safe.
sorry I disturbed the "king of malibu" but come down to the real world
my coverage is 100/300/100 and I pay $1770 for 6 mos with ZERO accidents with progressive. a 2.5 million dollar policy wtf. would cost me $500/mo. you are making up figures, or on an umbrella plan with your parents or have had a family history with state farm for 20+ years. no 23 year old pays insurance like that on a sports car. my wife is almost 24 with good credit and also zero accidents if she weren't on my policy she'd pay $320/mo for a measly 10/20/10 with virtually no comp and collision with progressive and even more with allstate/state farm/geico. i've cross shopped all of them.
You DO realize there is also a discount on two cars under one policy right? AND your car is an 08.. not a 2010. why don't you get a quote from geico/progressive on ONE car and see what the average 23 year old actually pays.. in a lease if you don't provide 100/300/100 the leasing company buys it for you. And they buy it at a "fair market price" which comes out to over $400/mo!
and for a 23 y/o with no work experience straight out of college to buy a $40,000 car is irresponsible to say the least but he can do whatever he wants with his money. a fine example of how people live beyond their means. people with masters and ph.ds get laid off all the time so a guy with a BS in science isn't exactly safe.
sorry I disturbed the "king of malibu" but come down to the real world
Yes, I will be under my family's full coverage policy with Allstate. If I have a chance to save the money why not? Yes, I do know what a car costs with TTL. I wouldn't be very good at my profession if I wasn't a calculated type of individual. Hence the beefy down payment. I've been planning for this day since my boss rolled up to work one day in his loaded G35.
23 with no work experience? When I started my internship at 18, I was managing $100k or less projects from design to completion within 6 months. I'm what you would call a hot shot. I designed a system to save my last employer $540K in labor, materials, and damages over the next 5 years. I rejected a job offer from them so I can go to school full time and graduate early to make the kind of money I make now. They still thought so highly of me that they brought me on as a consultant to work on my project while they were laying off engineering specialists and supervisors and I was still in school. I was an intern.
My experience is what put me a cut above the rest during my grueling interview process with my new company. I was even promoted before I was even hired. I was told that I was passed up for the entry level position that started at $62k, but there was a higher position available for me.
Living beyond my means? How do you know what my means are? My means are plentiful. Believe me. I don't like to brag and I'm not cocky but I just hate when people that talk without knowing what they are talking about. I came on here to get answers to my questions. Not to enter a pissing contest with some hater. If you have nothing to offer to the conversation then just don't bother.
09-12-2010, 12:09 AM
#10
MechE,
I wouldn't expect a response from him and if he does it will probably be loaded with comments like "daddy this, daddy that". With everything I just shoved down this throat... there really isn't anything more to say. Please don't confuse this community with the way this guy has acted.
By the way MechE, are we still on for lunch? I'll buy you a new Gucci suite on Michigan Ave with all the money my dad gave me today for just mowing the lawn. LIFE IS SO HARD.
I wouldn't expect a response from him and if he does it will probably be loaded with comments like "daddy this, daddy that". With everything I just shoved down this throat... there really isn't anything more to say. Please don't confuse this community with the way this guy has acted.
By the way MechE, are we still on for lunch? I'll buy you a new Gucci suite on Michigan Ave with all the money my dad gave me today for just mowing the lawn. LIFE IS SO HARD.
09-12-2010, 12:12 AM
#11
Out of Curiosity Purenick, how many miles are you covered for per year?
Also, I'd like to know the specifics of your coverage. PM if you'd prefer not to post publically. State farm will not go anywhere near that low. I am, however, in CA, and not IL
@ newG37: you're just digging your hole deeper and deeper. You're the typical internet consumer who thinks he knows enough to have an edge, but in reality only knows enough to prevent yourself from getting the best deals. Better deals than the norm? Definitely. Best deals? Not even close.
Also, I'd like to know the specifics of your coverage. PM if you'd prefer not to post publically. State farm will not go anywhere near that low. I am, however, in CA, and not IL
@ newG37: you're just digging your hole deeper and deeper. You're the typical internet consumer who thinks he knows enough to have an edge, but in reality only knows enough to prevent yourself from getting the best deals. Better deals than the norm? Definitely. Best deals? Not even close.
09-12-2010, 12:23 AM
#12
nobody will get the best deals. my dealership wouldn't play ball. if they didn't sell it to me they would easily find someone else to sell it to.
my 2009 g37 sedan. Paid $29,000+++ MSRP of $35,700
my 2010 g37 coupe. lease for $331/mo with ZERO down.
Maybe not the best deal, but pretty damn close
ok now i'm out.
my 2009 g37 sedan. Paid $29,000+++ MSRP of $35,700
my 2010 g37 coupe. lease for $331/mo with ZERO down.
Maybe not the best deal, but pretty damn close
ok now i'm out.
Your logic fails you sir.
09-12-2010, 12:25 AM
#13
HENCE WHY I AM NOT WITH PROGRESSIVE AND WITH STATE FARM. My god, thick headed has never meant so much.
To put all your daddy talk to rest, do a simple google search of my name. I have nothing to hide: owner of puretrakj - Google Search
Oh wait, what's that say on the first result? Mar 29, 2009 ... says Nick Iannotti, lead designer & co-president for Pure Voice. Damn, that just screams daddy! Shady company? I'd be willing to be $10,000 that anyone on these forum who games on their PC uses my product. 59,000 users online right now and that's at 11:23pm CST on a Saturday. Stop by on a Wednesday night at 7:00ish to see just how many people use my service. I'm not a bragger... but if you want to swing ****s, let's swing.
Save it moron. Save it for someone else because not only is 1/2 the **** you're saying not making any sense, but you're insulting yourself without any sense of when to stop.
Thank you for reminding me about my service post... I forgot to update that I spoke with someone on Friday from regional Infiniti service and they will be replacing my vehicle due the numerous amounts of reoccurring issues it has. Yettttttt another reason why leasing this vehicle was the better choice (seeing as my warranty is up in 5,000 miles).
To put all your daddy talk to rest, do a simple google search of my name. I have nothing to hide: owner of puretrakj - Google Search
Oh wait, what's that say on the first result? Mar 29, 2009 ... says Nick Iannotti, lead designer & co-president for Pure Voice. Damn, that just screams daddy! Shady company? I'd be willing to be $10,000 that anyone on these forum who games on their PC uses my product. 59,000 users online right now and that's at 11:23pm CST on a Saturday. Stop by on a Wednesday night at 7:00ish to see just how many people use my service. I'm not a bragger... but if you want to swing ****s, let's swing.
Save it moron. Save it for someone else because not only is 1/2 the **** you're saying not making any sense, but you're insulting yourself without any sense of when to stop.
Thank you for reminding me about my service post... I forgot to update that I spoke with someone on Friday from regional Infiniti service and they will be replacing my vehicle due the numerous amounts of reoccurring issues it has. Yettttttt another reason why leasing this vehicle was the better choice (seeing as my warranty is up in 5,000 miles).
09-12-2010, 12:39 AM
#15
Registered User
Thread Starter
Millions of dollars? Where did you get that from? You're just a hater, period. If you don't believe me go to the Kettering University archives and pull up my thesis. It's all there in detail. If you're ever there I'll PM you my student ID number. It's pretty technical so you might need to grab a freshman to read it to you.