otp

otp
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replied to Any car salesman or dealers? (trying to buy a new car)
in General Discussion
Quote Originally Posted by bizkilla:

Right that "10K" car until the wheels fall off. That's how its done. Buying NEW off the lot is the most dumb idea ever. You're having trouble obtaining a loan, what makes you think you could actualy afford a $30k car? WHEN YOU DONT EVEN QUALIFY FOR A LOAN OR HAVE THE CASH TO BUY IT OUTRIGHT!!!

This is your youth America.



I know what im doing. there is no way i would buy a sports car that is most likely gonna be used by the previous owner on a racetrack. The car is a scion frs. I graduate in a few months so thats what makes me think i can afford it. I already told u not to worry abt how im gonna pay for it.
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otp 44
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replied to Any car salesman or dealers? (trying to buy a new car)
in General Discussion
Quote Originally Posted by DTher85:



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.


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?
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otp 44
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replied to Any car salesman or dealers? (trying to buy a new car)
in General Discussion
Listen, i dont need ur advice on how i spend my money. Just answer the original question posted.

i am a stranger on the board i dont need strangers to worry abt where i sleep or telling me to keep the car i own.


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otp 44
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replied to Any car salesman or dealers? (trying to buy a new car)
in General Discussion
Quote Originally Posted by DTher85:

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.


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.
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otp 44
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replied to Any car salesman or dealers? (trying to buy a new car)
in General Discussion
Quote Originally Posted by chilitokid:

Why would you trade in your car if it has value? You do know you never make out in the car business


So I don't pay taxes on the new car.
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otp 44
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replied to Any car salesman or dealers? (trying to buy a new car)
in General Discussion
Quote Originally Posted by Kelly_Slater:



You will not be approved and in the slight chance you are it will be @ 20% APR or higher. If you make a thousand dollars a month you have no business buying a $ 30,000 car.


I make more under the table

I can easily afford the down payments

I have no other bills
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otp 44
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created a topic Any car salesman or dealers? (trying to buy a new car)
in General Discussion
Im trading in my car which will net 10k the car im getting is 30k total. 20k loan.

I have no credit history whatsoever

i get paid 1k in check month. some under the table.

will they approve my loan? i would be putting down 33% down payment.

how can they not approve?
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otp 44
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replied to How do I get out of a fight?
in General Discussion
Quote Originally Posted by SALTY:


Violence sometimes is the answer.

A lot of "tough guys" out there. otp just wait till you are old enough to go to bars.

There are two types of guys. Tough guys and guys who are violent.

Tough guys run their mouths like punks and most people are intimidated by the bark.

Problem is for tough guys is eventually they run into a man who is violent.

Guess what? The violent guy wins everytime.

The violent guy does not want trouble because he knows what may happen if he is pushed and truly wants to avoid the situation.

"Tough guys" are a dime a dozen and you can spot these douches easily by them going around like a chicken hawk intimidating others that buy into the front. 
I've been told I was a "dead man" by 3 guys in my life after they blab this and that to others. Guess what? They want nothing to do with me now.

My point is talking smack is for punks


Is it really smack talk if it is the truth but the other person obviously does not want to hear the truth. Sometimes you just have to speak your mind and you might come off has a tough guy. Holding your tongue is not a option anymore. Salty I honestly can't wait to go to 45 and over bars. I think they are called American Legion in my part of the world.
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otp 53
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replied to Girlfriend
in General Discussion
Quote Originally Posted by SwishSwish1234:

Anyone notice how other than train69 and jmw no one else in the thread has said yes. 

Us gamblers aren't a hit with the normal ladies i guess, Hookers seem to love us but normal ladies not so much. 


Correct and I think both guys are lying. My left hand is all I need.

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chrispitt 29
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replied to Legal question
in General Discussion
Fux you narc
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WSU2010 4
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replied to Powerball at $550 mill
in General Discussion
Got 5 more. If I win everyone in this thread gets 50k no questions asked. Double post will also receive 1 single payment of 50k tax free. OTP is a man of the peoples.
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otp 44
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replied to How do I get out of a fight?
in General Discussion
UPDATE

Guy tells me was joking, trying to fux with me because of the garbage I said to him. Getting away scotch free. Violence is never the answer, we need to move forward as a race. Life is beautiful no need to waste energy battling humans, we are all in this uphill battle, hopefully one day we will be able to migrate to a greater planet or meet a species that is far advanced then we are.

Make it a great day or not the choice is yours.
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otp 53
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replied to Wendy Williams
in Movies & Television
OP liking wendy means OP likes tranny porn
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nc1capper 29
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replied to which prego would you do......
in General Discussion
Quote Originally Posted by SALTY:

ilovethathook View Space | Friends | Playbook |

Prospect
Joined: Apr 2013
Posts: 279
Location:



It's easy. There is actual visual proof she loves to get jizzed in and probably begged for it at the moment it went down
My first childish thought I have anytime I see a prego in public is......"Look at that b'itch, damn she loves her some D"
#5
Posted: 5/17/2013 5:03:27 PM
i could not even have sex with my wife when she is pregnant... that is nasty... hw do u look at a woman like a sex object when there is a baby inside of her


Ultimate burial.
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lennon65 18
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replied to which prego would you do......
in General Discussion
Quote Originally Posted by ilovethathook:

Posted: 5/17/2013 5:05:09 PM
QUOTE Originally Posted by ilovethathook:

i could not even have sex with my wife when she is pregnant... that is nasty... hw do u look at a woman like a sex object when there is a baby inside of her


I could show you how, bring your wife here. 


YOU BETTER EAT HER OUT ALSO, BECAUSE THAT WOULD BE YOUR LAST SUPPER BUDDY


Bullshii after the first lick she wouldn't want me to stop.
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lennon65 18
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replied to which prego would you do......
in General Discussion
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lennon65 18
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replied to which prego would you do......
in General Discussion
Quote Originally Posted by ilovethathook:

i could not even have sex with my wife when she is pregnant... that is nasty... hw do u look at a woman like a sex object when there is a baby inside of her


I could show you how, bring your wife here.
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lennon65 18
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replied to which prego would you do......
in General Discussion
jessica who?

simpson? alba? biel?
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lennon65 18
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replied to Powerball at $550 mill
in General Discussion
Quote Originally Posted by searchwarrant:

not sure what would be more stressful, winning this kind of loot or being broke.


Most who win these large jackpots always blow all the money and die immediately afterwards. I guess I would rather be a brokedik.
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otp 44
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replied to How do I get out of a fight?
in General Discussion
Quote Originally Posted by Getty3:

What did you do to him at this party ?  Was it a h-o-m-oey kind of thing ? Just tell him the alcohol was squeezing his ballsack, not you. Maybe he'll understand. But in the meanwhile, I suggest you hang out with a different crowd. I'm sure there's a group of guys who have Friday night Martha Stewart Living parties out there. 


He said I was talking garbage about him and his person girl. I call a spade a spade even when I'm hammered.
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otp 53
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