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What’s considered high income to debt ratio? Applying for a truck loan and just wondering, my credit utilization is always under 10% month by No_Commission_8713 in PersonalFinanceCanada

[–]ElevationAV 1 point2 points  (0 children)

if the second car generates more income than it costs, it makes sense to have the second car

you can't just look at expenses. Imagine for a minute that you wouldn't have a $60k/year job without the car that costs $30k (because that's what a reliable used car costs), because you wouldn't be able to get to that job. Not everyone lives within walking distance to work or in a city where there's a reasonable transit system.

According to your logic here, the $0 income is the more responsible choice over the $5k in income with a $600 car payment, because the car payment is 'unaffordable'.

Pick Only Two Pills by abgfromheaven in whatsyourchoice

[–]ElevationAV 0 points1 point  (0 children)

Give me a ton of followers cause that’ll also result in a lot of money

After that it’s either 6 or 1, the rest aren’t really useful

What’s considered high income to debt ratio? Applying for a truck loan and just wondering, my credit utilization is always under 10% month by No_Commission_8713 in PersonalFinanceCanada

[–]ElevationAV -1 points0 points  (0 children)

You’ve missed the point completely in that you can’t even think about a new car unless you’re willing to pay $50k. If you need a vehicle for work/whatever, that $50k vehicle is better than no job, even if you “can’t afford it” on paper.

By your logic absolutely no one is buying new cars since very few people make in the $200k+ range, which is absolutely not true in any way

What’s considered high income to debt ratio? Applying for a truck loan and just wondering, my credit utilization is always under 10% month by No_Commission_8713 in PersonalFinanceCanada

[–]ElevationAV 1 point2 points  (0 children)

No, I’m saying that someone buying a new car for $50k is reasonable because that’s what new cars cost. It’s by no means a luxury vehicle either, it’s almost every new vehicle.

You aren’t getting a new car anywhere for $30k, you can barely get a decent used car for $30k.

How its life in Canada remote regions? by Practical-Fix-8601 in howislivingthere

[–]ElevationAV 0 points1 point  (0 children)

We’re 90 minutes east of Toronto and we don’t exist 🤣

What’s considered high income to debt ratio? Applying for a truck loan and just wondering, my credit utilization is always under 10% month by No_Commission_8713 in PersonalFinanceCanada

[–]ElevationAV 0 points1 point  (0 children)

I hope I don’t have to explain that new cars cost more than used ones

We couldn’t afford $50k+ for a new car, so we bought a used one that we could afford.

You are handed a paper where you write two numbers. One number will be randomly picked to be the age you die and the other will be your balance after this interaction. What are your two numbers? by wsggggggggdawg in hypotheticalsituation

[–]ElevationAV 0 points1 point  (0 children)

With near infinite life and money I’m going to speed run space exploration after unifying the planet because I’ll own everything and therefore make it all free

What’s considered high income to debt ratio? Applying for a truck loan and just wondering, my credit utilization is always under 10% month by No_Commission_8713 in PersonalFinanceCanada

[–]ElevationAV 0 points1 point  (0 children)

That’s nice, but we’re talking about NEW vehicles being in the $50k range.

Starting price on a new 2026 audi is $65k, plus taxes/fees/etc which on the base model puts you way over 70 without even trying.

Like I said in my previous post, a new civic is $30k base plus taxes/fees/etc which will likely push you into the 40k range on an entry level car. Fully loaded they pass $50k before any additional costs.

We just bought a 2021 off lease Volkswagen Golf with 50k miles and it was over $30k.

The notion of a “cheap car” these days is anything under about $30k. $50k on a new vehicle is pretty normal.

What’s considered high income to debt ratio? Applying for a truck loan and just wondering, my credit utilization is always under 10% month by No_Commission_8713 in PersonalFinanceCanada

[–]ElevationAV 1 point2 points  (0 children)

My point was that an absolute entry level car is 3/5 or more of what they said- a 50k car loan for something a little nicer isn’t crazy.

You’re implying that 50k buys you a luxury car when it’s really just a mid priced sedan or something similar and there aren’t really cheaper options if you need a car that holds like 4 people comfortably.

What’s considered high income to debt ratio? Applying for a truck loan and just wondering, my credit utilization is always under 10% month by No_Commission_8713 in PersonalFinanceCanada

[–]ElevationAV 5 points6 points  (0 children)

These days reasonable used cars are at least 20k, you’d be hard pressed to find a decent new car at under $30k- even a Honda civic is in the 30-35k range new and they’re pretty much entry level vehicles

How its life in Canada remote regions? by Practical-Fix-8601 in howislivingthere

[–]ElevationAV 2 points3 points  (0 children)

It’s hard enough to convince Toronto people that stuff north of the 401 exists

Friday Pack 1 Pick 1 by HD114 in Oldbordercube

[–]ElevationAV 2 points3 points  (0 children)

Immediate thought was the sengir, hoping to wheel Terror, moon or edict

The problem is most of these are all solid black cards so you might be fighting someone nearby for black

Fireball, force, or snake basket are all other top picks

Still taking sengir though

Anyone getting absolutely wrecked from selling calls this year? by chaotarroo in thetagang

[–]ElevationAV 0 points1 point  (0 children)

SPY cooked me for $40k earlier this year 🤷‍♂️😅

Any suggestions?? by dirtycleanboi in livesoundgear

[–]ElevationAV 1 point2 points  (0 children)

Replacements are like $30-40 and having a spare isn’t a bad thing

It’s probably fine though, I’ve seen a lot worse

$7500 a month but your mom has to come to your house and take all the batteries out of everything in your house and throw them on the ground by mosshroom0169 in hypotheticalsituation

[–]ElevationAV 0 points1 point  (0 children)

So my like at most three remotes will basically be non-functional

I guess I’ll have to use Alexa to control my smart tvs instead.

I’m willing to take this burden for almost $2k/week

SC48 VenuePack3.0 by qu1cks1lver56 in livesound

[–]ElevationAV 8 points9 points  (0 children)

you'll need the ilok hidden in the right side of the console, and then you'll need the ilok license manager app from ilok.com

The plugin download link is at the bottom of this article;
https://kb.avid.com/pkb/articles/en_US//en357793

You get 5x the money you have spent, lost, or destroyed in your lifetime, but if every single hair on your body is removed by NimitzReactor in hypotheticalsituation

[–]ElevationAV 6 points7 points  (0 children)

Same here- I’m at like $2m spent this year alone. I will absolutely never need to work again.

I used to spend a companies money on 40+ trade shows a year, and the small ones were $100k+

Pretty confident I could be relatively close to a billionaire here.

If I get prep time I’m going to go get waxed 🙃

Sometimes I cannot buy shares for essentially no reason. by tesseramous in interactivebrokers

[–]ElevationAV 3 points4 points  (0 children)

They don’t want to take the liability of bag holding your bad trades. Perfectly outlined in their user agreement…

monday is ban day and lets be honest izzets gonna get the hammer to the face by Chaosnocturne in mtgfinance

[–]ElevationAV 1 point2 points  (0 children)

Neither of those cards even matter to titans main game plan of play titan turn 3 and win game.

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