DTher85

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replied to What your dream car... in General Discussion Eleanor from Gone is 60 seconds which I believe was a Shelby GT 500, great look to it. View Post \| View Thread	orion	17	July 10, 2013 View Post \| View Thread
replied to Any car salesman or dealers? (trying to buy a new car) in General Discussion Quote Originally Posted by otp: Thank you for ur help. I just checked my credit score and it is 727. I just opened my first CC a few months ago. With no other loans, CC, or debt. Do u think they would approve just based on 2 month CC history? You have a 727 with only 2 months of CC history and nothing else? That is a very generous score. It will be tough but there are some lenders who might pick you up. Your best bet is to find a dealership who has captives and they are basically forced to buy you. Example: You go buy a Ford Fusion and Ford Motor Credit is forced into buying you (Not a given but definitely could happen). Based on what I have been seeing lately, Chrysler Capital is new and they are picking up some risky stuff since I think they are just trying to build a portfolio. Toyota owns Scion, but to be honest, I am not sure how aggressive they are when it comes to lending. View Post \| View Thread	otp	44	July 07, 2013 View Post \| View Thread
replied to Any car salesman or dealers? (trying to buy a new car) in General Discussion Quote Originally Posted by otp: That car was paid off by my dad and the title is in my name. No one will co sign and dads credit has gone bad due to recession. Last year i had over 25k in my bank account can i show that to the finance guys that i had money at one point and im not some broke guy. No old bank statements won't work. Lenders will want your most recent bank statements. We look at your 3 most recent months and add up all the deposits then average them out. Best thing you can do is go to your local bank/credit union and try to get pre-approved. If you get approved, take that rate to the dealer and make him beat it. Most dealers will often get you approved on one rate ( ex. 3.99%) from their lender and then they will mark it up a couple of points to 5.99% and they take the majority of that spread as additional profit. This is a good way to avoid having a dealer take advantage of you. View Post \| View Thread	otp	44	July 06, 2013 View Post \| View Thread
replied to Any car salesman or dealers? (trying to buy a new car) in General Discussion I work for an auto lender. Personally my bank would never approve you since we are a "Prime Bank" meaning we deal with stronger credit which is 620 (near prime) and up. Some banks might take a chance on you but as someone stated before, they will offset the risk with some absurd rate. As far as income goes, yes you get an actual paycheck of 1000 each month but if you consistently deposit your money into your bank account, most lenders will take bank statements as proof of income. My question from a lending perspective, if you have no credit then how did you get the car with a loan? You might want to get them to co-sign with you which will greatly reduce your rate. View Post \| View Thread	otp	44	July 05, 2013 View Post \| View Thread
replied to 2013 Formula 1 thread in Formula 1 Sorry forgot I posted in this thread, but enjoyed watching Monaco today. There's never a ton of passing in Monaco because the track is so skinny. I am not shocked at all by the Mercs. I have a pool with some buddies, and picked both Mercs for my team. Figure they will qualify well (which they did), my only worry was tyre management and it looks like they got those fixed albeit with some controversy due to the FIA reviewing how legal the tyre testing they did with Pirelli is. I am happy for Rosberg, drove his behind off all weekend and deserved the win. Felt bad for Grosjean, terrible weekend and it sounds like Boullier might be having enough of him. I think his seat is really in danger next year. View Post \| View Thread	alangrrbs	76	May 26, 2013 View Post \| View Thread
replied to 2013 Formula 1 thread in Formula 1 Like the Ferrari pick. I think Webber has checked out this season and is just going to mail it in. I look for Ferrari to score well in each race since Massa is regaining form. Vettel should win the drivers championship though. Once Newey gets the tyres figured out, Vettel and his Bull should be quite the force. I am a Lotus guy and pull for The Iceman, dude has been driver of the year so far. Looking forward to Monaco! GL to you! View Post \| View Thread	alangrrbs	76	May 20, 2013 View Post \| View Thread
replied to Stickers on Caps in General Discussion Because they enjoy looking like ghetto trash... View Post \| View Thread	houguy28	32	March 21, 2013 View Post \| View Thread
replied to How much do you guys think Ole Miss paid for Nkemdiche? in College Football None, Nkemdiche's brother plays for Ole Miss so it was more of a family decision. As for the rest of the studs that chose Ole Miss.....something tells me their recruiting budget went way way up this past year. View Post \| View Thread	packers1992	9	February 07, 2013 View Post \| View Thread
replied to What is the best Super Bowl Food? in General Discussion I am making jalapenos stuffed with cream cheese and wrapped in bacon. The other dish I am making is baked potato slices topped with cheese and bacon. Very healthy and I don't plan on shitting right for a week haha. View Post \| View Thread	NuSkoolBets	41	January 30, 2013 View Post \| View Thread
replied to I guess the Academy is going to drag out Oscar again in Movies & Television I have seen a few of the movies in the best picture category and here is my take on them; Argo - Awesome flick and very tense from start to finish. How Affleck didn't nominated for Best Director is unexplainable. If I had a vote this would get best picture (Out of the nominations that I saw) Lincoln - It was good but to be honest, I think it is overhyped. The movie is extremely long and tends to drag, Not ideal for viewing in a theater. I am sure this will win but as stated before, I think it's due to laziness and they love Daniel Day Lewis. Zero Dark Thirty - Also very very good and very tense at times. There are some parts where it kind of drags overall, I thought it was done well. Not sure it deserves Best Picture buzz though but I guess Hollywood eats this type of stuff up. My biggest regret was not seeing Life of Pi, I feel like in order to truly enjoy that film you needed to see it in a theater. Lastly, I am surprised The Master didn't get nominated, I am still not sure what I saw when I watched it but seemed like with PTA as director and having Joaquin Phoenix and Philip Seymour Hoffman as your stars, Hollywood would have given them a nomination. View Post \| View Thread	Pecador	8	January 13, 2013 View Post \| View Thread
replied to who's at fault for this trajedy? in General Discussion I think Morgan Freeman has a point though. I know Ryan Lanza and James Holmes but I don't know a single name of the victims in Connecticut or Colorado. It seems to me that most of these shooters are introverts who want to go out and make a name for themselves in this sort of fashion. It's hard to pin blame on just one individual, sure the shooter is at fault but what about the media who helps make these shooters famous? What about the Mom who didn't have her guns properly secured? There is plenty of blame to go around. We live in an angry and violent society nowadays. I'm sure everyone here has seen the hate filled messages that some folks post on this site. You can go play XBox online with a stranger and will hear some horrible stuff. These days the youth can just hide behind a keyboard or mic and fill themselves with hate and then they go out and get their hands on a gun and act out that hate. I think the lack of consistent face to face or direct social contact can cause these kids to be introverts and perhaps warp their sense of reality. I am not a psychologist or anything but this is just my guess and what could be the cause of these sort of tragedies. View Post \| View Thread	bandit1010	23	December 16, 2012 View Post \| View Thread
replied to Sandy Hook Elem - Conn in General Discussion Quote Originally Posted by doggs: When the politicans shipped our jobs out of the country you are starting to see more and more of this happening. I am not sure what happened in this situation, but when people lose jobs, etc. they probably feel hope is lost and they seem to want to take it out on everyone else and then themselves. Not trying to be negative, but just take a look around. How can you not feel for those kids. They are just going to school and some idiot decides to take them out. I actually feel this same sort of sentiment. Losing hope appears to bring irrational thinking. View Post \| View Thread	KQC	41	December 14, 2012 View Post \| View Thread
replied to change of plans. Anibal Sanchez signs with Tigers not Cubs... in MLB Betting I like Sanchez as a #4 but like always, the Tigers overpaid. I can't remember the last free agent signing where we didn't end up overpaying (Sanchez, Torii Hunter, Prince etc) Tigers need to go out and get a SS with a strong glove. I am willing to part with Porcello and Castellanos for a high quality SS. View Post \| View Thread	packers1992	13	December 14, 2012 View Post \| View Thread
replied to Anybody from Detroit, Grand Rapids or Flint? in General Discussion In Flint, it's not legal they just downgraded it to a small ticket or something, so now if you're caught it's not a huge deal. View Post \| View Thread	steadylines111	10	November 23, 2012 View Post \| View Thread
replied to GREAT DAY TO BE A JAYS FAN (check-in) in General Discussion I feel like every year there is some team that just loads up out of nowhere and appears to have the inside track at the World Series and they turn out to be flops. BJ's have made a lot of interesting moves but they are still a ship without a captain. View Post \| View Thread	dj_destroyer	18	November 16, 2012 View Post \| View Thread
replied to The Walking Dead Season 3 in Movies & Television Quote Originally Posted by Caper12: How is everyone liking the Walking Dead so far this season. Sunday nights show was pretty intense. Definitely the best episode of the series if you ask me. Very intense. Hated Lori too so I was happy to see her go. Sad to see T Dog get axed though. View Post \| View Thread	StraightShooter	52	November 07, 2012 View Post \| View Thread
replied to ~ who are you VOTING for? ~ in General Discussion I support Johnson the most but I wanted to vote for a guy with a chance so went with Mitt Romney. View Post \| View Thread	KktdocT	22	November 07, 2012 View Post \| View Thread
replied to Seriously, I wouldn't hit this.... in General Discussion Quote Originally Posted by bandit1010: https://www.zimbio.com/photos/Kim+Kardashian/Kim+Kardashian+Kanye+West+Miami+2/ReX04_bkvga?utm_source=outb&utm_medium=cpc&utm_campaign=Z-Celebs-1 That is just nasty. Would any of you, I mean without drinking a case first..... I'll admit, Kim K even though she's very annoying is still very hot. You saying you wouldn't hit it is a lie, I'm sure you have never had a woman that good looking. View Post \| View Thread	bandit1010	27	November 01, 2012 View Post \| View Thread
replied to Has anyone seen the movie 'Argo' yet ? in Movies & Television Great movie and very intense! You won't be disappointed. View Post \| View Thread	Cannon88	13	October 25, 2012 View Post \| View Thread
replied to Adam Sandler... in General Discussion https://www.joblo.com/movie-news/test-020 This site does a weekly Movie Jail section which is a pretty good read. Some others that they have had on trial so far are Val Kilmer, Ben Stiller, Michael Bay, Jim Carrey, and Vince Vaughn, definitely worth a look. View Post \| View Thread	SupremeVermin	20	October 22, 2012 View Post \| View Thread

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