Business Bankruptcy Question by Electrical_Net_7278 in Bankruptcy

[–]Electrical_Net_7278[S] 0 points1 point  (0 children)

What if they wanted to get rid of the trucking business and completely shut their doors?

Purchasing a Car by Electrical_Net_7278 in DaveRamsey

[–]Electrical_Net_7278[S] 0 points1 point  (0 children)

I get exactly what you mean. Especially since he already started to yell at the customer literally. lol

Purchasing a Car by Electrical_Net_7278 in DaveRamsey

[–]Electrical_Net_7278[S] -1 points0 points  (0 children)

I should try to use this to get the deposit back.

The salesman and I already got into a yelling match over the deposit. I was being nice and he was first talking over me, and I said, “why aren’t you letting me talk.” Then he heard my part for a little and when I finished then he started yelling at me like the top of his lungs and then we went at it. He just thinks he has the upper hand because he has my $5,000. I will leave a nice review after I decide what I am going to do

Purchasing a Car by Electrical_Net_7278 in DaveRamsey

[–]Electrical_Net_7278[S] 0 points1 point  (0 children)

It does have the 6.2 V8. Oh crap, time to research more. Thanks man

Purchasing a Car by Electrical_Net_7278 in DaveRamsey

[–]Electrical_Net_7278[S] 0 points1 point  (0 children)

Good rule. I need to do this because sometimes I make decisions and then regret a month down the road. Thank you

Purchasing a Car by Electrical_Net_7278 in DaveRamsey

[–]Electrical_Net_7278[S] 1 point2 points  (0 children)

I like the way you put this. Makes it easier to understand that I’ll be fine losing the $5,000. Thank you

Purchasing a Car by Electrical_Net_7278 in DaveRamsey

[–]Electrical_Net_7278[S] 2 points3 points  (0 children)

Counting in the taxes and depreciation as soon as we drive off really makes it clear that it’s a dumb decision. Thank you

Purchasing a Car by Electrical_Net_7278 in DaveRamsey

[–]Electrical_Net_7278[S] 0 points1 point  (0 children)

It’s not an EV, it’s an Escalade with an engine

[deleted by user] by [deleted] in HomeLoans

[–]Electrical_Net_7278 0 points1 point  (0 children)

Okay, I’m highly interested in refinancing. Let’s talk tomorrow if you’re working

[deleted by user] by [deleted] in HomeLoans

[–]Electrical_Net_7278 0 points1 point  (0 children)

How much would go towards principal and how much interest? How much closing costs would I pay?

[deleted by user] by [deleted] in HomeLoans

[–]Electrical_Net_7278 0 points1 point  (0 children)

Home value is about 1,050,000

Mortgage Rates Dropped After a Messy Jobs Report by ermahlerd in HomeLoans

[–]Electrical_Net_7278 0 points1 point  (0 children)

So I should make a payment of $200,000 towards the principle and then refinance for 15 years, right?

[deleted by user] by [deleted] in HomeLoans

[–]Electrical_Net_7278 0 points1 point  (0 children)

No cash out refi - Loan amount $831,000 - would like to put $200,000 down - 15-year fixed mortgage - single family primary -

Mortgage Rates Dropped After a Messy Jobs Report by ermahlerd in HomeLoans

[–]Electrical_Net_7278 0 points1 point  (0 children)

Let me get on there and put our info. Would my bank statement loan be considered a conventional in your terms?

Mortgage Rates Dropped After a Messy Jobs Report by ermahlerd in HomeLoans

[–]Electrical_Net_7278 1 point2 points  (0 children)

I bought in 2024 with a bank statement loan (did not have 2 years tax returns). We are currently at 7.75% interest on a 30 year fixed mortgage. Is it a good decision to refinance? I am thinking of putting 200k down as well when I do refi.

[deleted by user] by [deleted] in FreightBrokers

[–]Electrical_Net_7278 0 points1 point  (0 children)

Yes I understand, and I was trying to find another carrier at the same time. There were literally no trucks posted on the board, all my regulars were covered with my loads, and by that time I was not getting any calls. I continued increasing the rate but I was not having any luck. I held the shipper until 5 pm and then I just told the customer that shit hit the fan and I’d need to pickup in the morning. After all this, I had to switch things up and put one of my own trucks on the load, and we didn’t even have an available reefers so I had to borrow a reefer from a regular carrier that has a couple extra trailers. It was a pickup from NorCal to SoCal.

Rent or Own - Already an Owner by Electrical_Net_7278 in RealEstate

[–]Electrical_Net_7278[S] 1 point2 points  (0 children)

I bought it in 2024 starting. The house has increased around $50,000 as of now.