General Thread April 2012

Started by Rosey, Apr 02 2012 11:14 PM

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#5161 B4TT

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Posted 30 April 2012 - 02:40 PM

If only i could fit in a magna....

What are you, Jabba the hut? FFS

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#5162 Ren-dog

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Posted 30 April 2012 - 02:40 PM

This excuse is weak. Get an auto.

That aint the problem in the Magna. The seat wont go up so i cant see the Posted Image

'ing bonnet.

NEEDS MOAR PEANUT BUTTER

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#5163 Morgan

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Posted 30 April 2012 - 02:42 PM

I pay no interest on my loan.

refinance is definitely not a win!

It will be gone in about a month too

Noice

I had to take a loan out from my old man last year to buy the XT.

The money was there to pay for it but it was sitting in the form of a SSS Pulsar

Once that was sold + a few weeks extra I was in the clear again.

$11,000 loan gone in a few weeks. Notbadface.

Paid $42 interest

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#5164 Shaz

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Posted 30 April 2012 - 02:42 PM

I bought a car once on a redraw to take advange of the lower rate.
Only works if you repay the redraw in the time frame of a car loan, not the mortgage.

As a Bank, we are unable to refinance car loans into home loans with a 30year term anymore.

$20,000 car x 18% = $3600/yr over 5 years (average loan term for car loan) = 18,000 in interest + the $20k you originally borrowed.
$20,000 car x 6% = $1200/yr over 30 years(average loan term for a home ) = 36,000 in interest + the $20k you originally borrowed.

Maximum allowable term to refinance a car long into a mortgage is 10years as a result of that.

I put up with people from amnesty, red cross and now the cancer council almost daily hounding me!! Throw in the greens, green peace, unhcr, save the forking children and I've well and truly hit my limit for the number of fuckstains wanting me to sign something or give money. Seriously cubts, right off.

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#5165 RX25SE

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Posted 30 April 2012 - 02:42 PM

That aint the problem in the Magna. The seat wont go up so i cant see the 'ing bonnet.

You should be looking at the road.

If I told you I was a compulsive liar, would you believe me?

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#5166 Brett

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Posted 30 April 2012 - 02:43 PM

you are kidding me right? Theres a chick at work who is sub 5ft that drives a magna.

I cant see the bonnet when I drive the Barina. Why are you looking at the bonnet when you drive??

H.T.H

Sig worthy.

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#5167 B4TT

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Posted 30 April 2012 - 02:43 PM

That aint the problem in the Magna. The seat wont go up so i cant see the 'ing bonnet.

There is no helping you.. at all. Everything you do, you do so with a negative attitude, no wonder you think your life is shit.. you are constantly bringing negativity to yourself.

Have a beer and cheer the fork up, get laid and you'll be right.

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#5168 Morgan

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Posted 30 April 2012 - 02:45 PM

Put an STi bonnet scoop on it.

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#5169 Shaz

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Posted 30 April 2012 - 02:45 PM

Ren, why don't you buy a Posted Image

'ing ute to haul all the gold around that you could mine out of your town

I put up with people from amnesty, red cross and now the cancer council almost daily hounding me!! Throw in the greens, green peace, unhcr, save the forking children and I've well and truly hit my limit for the number of fuckstains wanting me to sign something or give money. Seriously cubts, right off.

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#5170 RX25SE

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Posted 30 April 2012 - 02:46 PM

As a Bank, we are unable to refinance car loans into home loans with a 30year term anymore.

$20,000 car x 18% = $3600/yr over 5 years (average loan term for car loan) = 18,000 in interest + the $20k you originally borrowed.
$20,000 car x 6% = $1200/yr over 30 years(average loan term for a home ) = 36,000 in interest + the $20k you originally borrowed.

Maximum allowable term to refinance a car long into a mortgage is 10years as a result of that.

It was a while ago.
That is why I repaid the redraw amount in less than 18 months. Fark paying interest on a car for 30 years.
Im sure people just look at the rate, forgetting about calculating total interest.

If I told you I was a compulsive liar, would you believe me?

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#5171 Adam

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Posted 30 April 2012 - 02:49 PM

More money to put towards a trip to MDSC then?

I just got my tax from last year done..... Now I've just gotta work out a few things. Unfortunately other priorities!

Earnt more, got less tax back. ****! Can't claim crap as a draftsman!

Posted Image

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#5172 Brett

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Posted 30 April 2012 - 02:51 PM

There is no helping you.. at all. Everything you do, you do so with a negative attitude, no wonder you think your life is shit.. you are constantly bringing negativity to yourself.

Have a beer and cheer the fork up, get laid and you'll be right.

THIS!!!!!!!

Im sorry mate but all you do is whinge and find excuses for why you cant better your situation. You ask for advice, and do the opposite. Im really bored of it personally. Youre probably a pretty decent bloke, but you need to change your attitude before you can expect anything else in life to get better. Its just the way it is.

Sig worthy.

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#5173 B4TT

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Posted 30 April 2012 - 02:52 PM

Adam, remember all those field trips the boss sent you on using your own car and petrol? claim the petrol

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#5174 Adam

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Posted 30 April 2012 - 02:53 PM

No receipts though Yosh.

Honesty is killing me.

But seriously why do I get less in the return this year. It's just shy of 8hunge. The last one was like 12hunge!

Posted Image

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#5175 B4TT

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Posted 30 April 2012 - 02:55 PM

No receipts though Yosh.

Honesty is killing me.

But seriously why do I get less in the return this year. It's just shy of 8hunge. The last one was like 12hunge!

Just keep a bunch of fuel receipts, who cares what they are for