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  #26  
Old 03-31-2009
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I'm getting MOOG upper & lower ball joints, tie rods, and an alignment.......as well as slapping the remainder on my Visa.

Got to have it riding true so I can get a new set of BFG's in the fall.
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  #27  
Old 03-31-2009
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Originally Posted by DisturbedESV View Post
I live paycheck to paycheck and if an unexpected expense larger than $50 comes along that means I'm skipping a meal or two or not driving somewhere to pay for it... .
Damn, sounds like you have it rough. Time to find another job my friend. So if your truck broke down and it was $500 to repair, I guess you'd be done for.

If living that close to your means doesn't allow for a $50 window, I recommend getting a credit card. That's why most of us have them.....to cover those unexpected expenses. At least you could drag that $50 repayment out so you can eat.

When it doubt there's always in a can. LOL

I say we set up the Marie fund, sounds like the girl needs a helping hand.
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  #28  
Old 03-31-2009
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Pay off your bills before you start getting into financial trouble. Take it from someone with first hand experience.
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  #29  
Old 03-31-2009
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I say forget the extra goodies, and get your financial house in order first.... get some money in the savings account and pay off some of the credit card.... get the tires paid off before you buy anymore unnecessary stuff.
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  #30  
Old 03-31-2009
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Originally Posted by Rolldogg View Post
Damn, sounds like you have it rough. Time to find another job my friend. So if your truck broke down and it was $500 to repair, I guess you'd be done for.

If living that close to your means doesn't allow for a $50 window, I recommend getting a credit card. That's why most of us have them.....to cover those unexpected expenses. At least you could drag that $50 repayment out so you can eat.

When it doubt there's always in a can. LOL

I say we set up the Marie fund, sounds like the girl needs a helping hand.
Im sure shane and the other members would help fix it.
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  #31  
Old 03-31-2009
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Originally Posted by Rolldogg View Post
Damn, sounds like you have it rough. Time to find another job my friend. So if your truck broke down and it was $500 to repair, I guess you'd be done for.

If living that close to your means doesn't allow for a $50 window, I recommend getting a credit card. That's why most of us have them.....to cover those unexpected expenses. At least you could drag that $50 repayment out so you can eat.

When it doubt there's always in a can. LOL

I say we set up the Marie fund, sounds like the girl needs a helping hand.
Haha... well not to play the poor pitiful me card... but yeh. The $400+ monthly truck payments are my biggest issue... and those are so I don't have to worry about the huge repair bill... I bought the new truck so I could have something reliable... as smart as I am I bought a house the same month. It'll be worth it in the end to have the truck paid off sooner at a lower interest rate and own a house, but it is what it is. I have a credit card and that was my biggest issue... the "free money" syndrome... but I'm paying that down and I expect to have more money once that balance is lower. Haha... no fund needed but I appreciate it. I've been looking at second jobs and taking advantage of commission opportunities at my current job. It's not the end of the world... I just eat meals with the 'rents more often than most.
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  #32  
Old 03-31-2009
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^^ thats the way to go lmao
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  #33  
Old 03-31-2009
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Step 1: Take tax refund, go to Wal-Mart, buy scissors.
Step 2: Cut up credit card
Step 3: Take remaining tax refund, pay off credit card.
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  #34  
Old 03-31-2009
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Originally Posted by ClemsonRanger03 View Post
do you guys also work for yourselves Im guessing?
No I don't. I'm retired. When I was in the work force I worked for a salary. I worked in the airline industry for over 40 years and retired from FedEx 8 years ago.






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Originally Posted by ClemsonRanger03 View Post
I am 20 and i claim 1 on my taxes and claimed 0 up until this year. I get an assload of taxes taken out but because I am a student I got like 90% of it back. I do enjoy getting a large sum of money back each spring and count on it. However I dont understand how you keep that money in the first place? My employers take federal, state, social security taxes out as a standard and in the end I get all back except SS basically. My tax refund was approvimately 15% of my annual income last year. How do i do as you say and keep it all to begin with?
Listen closely Jacob, and any of you other young'uns that care to learn. Grandpa Nick will try to learn ya'll sometin. LOL

For "withholding" purposes, you can claim ANYTHING you like. Back in the 60's (I started working full time in 1960) there was NO PENALTY if you ended the year owing the Govt huge amounts of money. So I claimed something like 15-16-17 dependants. (I was single at the time) Because of that my employer took almost nothing out of my paycheck. Each year I would owe the Govt between $3,000 & $4,000. Knowing that I would put $150 per paycheck into a savings account. So 24 (paychecks) X $150 = $3600. When I did my taxes and figured out how much I owed, I wrote them a check and moved the money from that savings acct. to my checking acct. (I got to keep the interest) Perfectly LEGAL. Sometime in the 70's (I think) the Govt figured out what a bunch of us were doing and there is now a law on the books to prevent you from doing that. It is still perfectly legal to claim whatever you want though. So if you are getting a (let's say) $1200 refund EVERY year. Go to payroll and ask how many exemptions you would have to claim to get $50 more (assuming you're paid bi-monthly) in each paycheck. Then claim that number. What could you do with an extra $20-30-40-50 or more in each pay check? Just be conservative the first year or so. If you go crazy and end up owing the Govt big bucks, there's a BIG penalty if you owe to much. Try to get it in the $0-200 range.

OK end of lecture. LOL

Last edited by MemphisSenior; 03-31-2009 at 08:54 PM.
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  #35  
Old 03-31-2009
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For $800 you can buy an late 80's style escort and some quad tires. Put the quad tires on the escort and you have a damn good way to enjoy your refund.
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  #36  
Old 03-31-2009
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Im thinking pay off half of my card and get some cragar soft 8's. Their only $250 shipped from summit and I think they would make my truck look a whole lot nicer. I have heard that after one winter they will start to rust and get crappy is that true?
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  #37  
Old 03-31-2009
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Pay off that credit card, crappy decision but it will be worth it in the long run, if not that I'd say go with rims
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  #38  
Old 03-31-2009
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Originally Posted by rizoss16 View Post
Im thinking pay off half of my card and get some cragar soft 8's. Their only $250 shipped from summit and I think they would make my truck look a whole lot nicer. I have heard that after one winter they will start to rust and get crappy is that true?
Those are a huge waste of money. They suck. That's why I don't have mine anymore. They're HEAVY as hell. The minute you put them on your truck and drive around the block you'll want to take them right off. Those $250 rims cost me $700 in brakes.
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  #39  
Old 03-31-2009
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Originally Posted by MemphisSenior View Post
No I don't. I'm retired. When I was in the work force I worked for a salary. I worked in the airline industry for over 40 years and retired from FedEx 8 years ago.








Listen closely Jacob, and any of you other young'uns that care to learn. Grandpa Nick will try to learn ya'll sometin. LOL

For "withholding" purposes, you can claim ANYTHING you like. Back in the 60's (I started working full time in 1960) there was NO PENALTY if you ended the year owing the Govt huge amounts of money. So I claimed something like 15-16-17 dependants. (I was single at the time) Because of that my employer took almost nothing out of my paycheck. Each year I would owe the Govt between $3,000 & $4,000. Knowing that I would put $150 per paycheck into a savings account. So 24 (paychecks) X $150 = $3600. When I did my taxes and figured out how much I owed, I wrote them a check and moved the money from that savings acct. to my checking acct. (I got to keep the interest) Perfectly LEGAL. Sometime in the 70's (I think) the Govt figured out what a bunch of us were doing and there is now a law on the books to prevent you from doing that. It is still perfectly legal to claim whatever you want though. So if you are getting a (let's say) $1200 refund EVERY year. Go to payroll and ask how many exemptions you would have to claim to get $50 more (assuming you're paid bi-monthly) in each paycheck. Then claim that number. What could you do with an extra $20-30-40-50 or more in each pay check? Just be conservative the first year or so. If you go crazy and end up owing the Govt big bucks, there's a BIG penalty if you owe to much. Try to get it in the $0-200 range.

OK end of lecture. LOL
Yes, thank you once again....and I dont consider it a lecture.

Jacob,

Since your a student it really doesnt matter from what I remember what you claim because your going to get most of your money back because of your student status. Once you get your degree and out in the working world (I know you already are technically) and you can no longer claim student status do as MemphisSenior says.
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  #40  
Old 03-31-2009
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Well, when I was younger, I got into some credit card debt. About 6000 or so. For someone in college, that sucked. Took me 4 years to pay it off.

Saying that, I strongly advise you pay off your debt before buying new toys.
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  #41  
Old 04-01-2009
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Originally Posted by crazymikey View Post
Those are a huge waste of money. They suck. That's why I don't have mine anymore. They're HEAVY as hell. The minute you put them on your truck and drive around the block you'll want to take them right off. Those $250 rims cost me $700 in brakes.
Well you just talked me out of them lol. I didn't know they were that heavy and made that much of a difference.
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  #42  
Old 04-01-2009
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Originally Posted by MemphisSenior View Post
Trust me Ross. There's no such thing as a FREE LUNCH. The cost of the interest was built into the sales price.
So you have already paid the interest. If you don't believe that.
Next time you go to buy something for 0% interest, ask them what the CASH price is.

That's actually false dude.

Cash and card=same price.

You actually get a 5% discount for enrolling with a pep card. So applying and getting one saves you money. You'd pay 5% less then the cash dude, and have 0% interest for 12 months.

(I'm the service manager at pepboys)

But yeah, pay off the card.
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  #43  
Old 04-01-2009
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poor people with kids usually get REALLY excited around tax time because in their minds getting back several thousand dollars is like winning the lottery, people who have higher paying jobs don't get back **** and prolly owe.

So around tax time it pays to be low income with a bunch of kids or just low income with no kids.
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  #44  
Old 04-01-2009
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Quote:
Originally Posted by rizoss16 View Post
I already had a post about this I think I will like it, I have seen some pictures with the 265/75/16 with a 3" bl and I like the way a truck looks with some space in the wheel wells, much better than the "crammed" look, like the super duty trucks how they have so much space in the wheel wells. If it is that bad put the tbars back to stock (i got lifetime allignment).
I think I will pay off the card, leaves me with over 300, and get the bl, which kit should I get that is most reliable? meaning that it actually has all of the parts you need and everything fits right.
You have white walls out. Should have done black walls. I would not do a bl unless you have agressive tires. Which looks like you have mts.


Quote:
Originally Posted by rizoss16 View Post
Im thinking pay off half of my card and get some cragar soft 8's. Their only $250 shipped from summit and I think they would make my truck look a whole lot nicer. I have heard that after one winter they will start to rust and get crappy is that true?

NO.. Soft 8s suck. Stay stock for now. Pay your stuff off. Then get rid of your credit card. Then If you have anymoney left buy a bl. It is only 119 shipped and has everything you need. I dont have the link on me but look through my last stared threads and you will find the link.
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  #45  
Old 04-02-2009
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Originally Posted by Dumpedmk3 View Post
That's actually false dude.

Cash and card=same price.

You actually get a 5% discount for enrolling with a pep card. So applying and getting one saves you money. You'd pay 5% less then the cash dude, and have 0% interest for 12 months.

(I'm the service manager at pepboys)

But yeah, pay off the card.



Thank you for calling me "dude" Steven. Makes me feel young again.


Im sure you believe what you're saying. That's what your bosses at Pepboys headquarters have told you.
However are you telling me. If I came into your store and wanted to buy $1,000 worth of tires and wheels,
and I offered you $950 to $965 in CASH, the 3.5% to 5% you would pay to Mastercard or Visa anyway,
you would tell me to take my business someplace else?

I've used that tactic many, many times over the years and it's works ALMOST every time.
On the occasions it doesn't, I take my business someplace else, where it does.

3.5% to 5% savings on all the big ticket items you buy in a year = BIG BUCKS.
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