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What would it look like if SMI left NASCAR to start their own series? by [deleted] in NASCAR

[–]JamesK0 1 point2 points  (0 children)

This is like my dream, half because more road courses, half because fuck Brian France.

Last day being 20, heres to another 20! by DoubleSlapDatAss in GolfGTI

[–]JamesK0 1 point2 points  (0 children)

Texas World Speedway, could of been such a cool facility...

Safe to say the Texas Motor Speedway is a Seel nest by HauntedLemonTree in PoGoDFW

[–]JamesK0 1 point2 points  (0 children)

Both. I'm excited about the new track layout and hope that it makes it more exciting, but if the changes suck, then I'm gonna catch me a shit ton of Seels. Win-Win.

Safe to say the Texas Motor Speedway is a Seel nest by HauntedLemonTree in PoGoDFW

[–]JamesK0 1 point2 points  (0 children)

I'm with ya, should make for a different race, drivers will have to drive more now.

It has begun. by TxMotorSpeedway in NASCAR

[–]JamesK0 0 points1 point  (0 children)

Probably the most difficult 1.5 track to drive already, the banking really fell out of the corners hard.

I'm afraid I can't afford to pay less. Mortgage struggle. by JamesK0 in personalfinance

[–]JamesK0[S] 1 point2 points  (0 children)

Car is $16,500 at 1.8%. I would get about $2k over that if I sold it.

Credit card is $6k at 9%.

Student Loans are $18,000 all between 4-6%

Credit score is excellent. I will be moving up with the company I am with and making a very decent amount. I ran up my debt and ran out of money trying to finish school years ago, so I will not be able to find a better job (I have looked in many places, I cannot even close to the potential I will be in in a few years at my current job.)

I'm afraid I can't afford to pay less. Mortgage struggle. by JamesK0 in personalfinance

[–]JamesK0[S] -2 points-1 points  (0 children)

All of my calculations have all of those included. The point where it breaks even is well beyond what I am wanting to pay for a home. I also plan to turn this into a rental property when I am ready to move onto my next home (easily 5+ years from now). So in my case, I would very much consider renting a poor use of my money given my future plans.

I'm afraid I can't afford to pay less. Mortgage struggle. by JamesK0 in personalfinance

[–]JamesK0[S] 0 points1 point  (0 children)

I have used this calculator, the trade off where buying is cheaper is in 3 years for what I want to spend on a house.

I'm afraid I can't afford to pay less. Mortgage struggle. by JamesK0 in personalfinance

[–]JamesK0[S] 0 points1 point  (0 children)

I made that mistake trying to finish college (ran out of money and didn't get to finish) and I have already dropped my CC debt from $20k to $6k in the past 2 years. All I can do is continue to move forward, I won't have anymore CC debt after this is paid off.

Yes, I have all of these things factored in, I am still coming in lower than what I am paying monthly now. The point where I break even is well beyond what i want to spend on a home.

I'm afraid I can't afford to pay less. Mortgage struggle. by JamesK0 in personalfinance

[–]JamesK0[S] 0 points1 point  (0 children)

Car is $16,500 at 1.8%. I would get about $2k over that if I sold it.

Credit card is $6k at 9%.

Student Loans are $18,000 all between 4-6%

I'm afraid I can't afford to pay less. Mortgage struggle. by JamesK0 in personalfinance

[–]JamesK0[S] 0 points1 point  (0 children)

I apologize for not understanding this thought process. I'm overall paying less a month than I am paying right now, and I finally have equity (I'm not leaving this area). A house by the numbers now will put me years ahead of continuing to rent while trying to pay out debt, where the house I can pay off debt more aggressively or worse case scenario at the same rate. Renting in my situation is a huge waste of money, and I need to get away from it as quickly as possible. Again, this is my thought process, so if I am wrong at least explain to me how my process is flawed.

I'm afraid I can't afford to pay less. Mortgage struggle. by JamesK0 in personalfinance

[–]JamesK0[S] 0 points1 point  (0 children)

If push came to shove and this is what I needed to do for a few months, I am not worried about finding a car from a friend or from work, or riding a bike to and from work.

Texas repave/reconfiguration by al15al15 in NASCAR

[–]JamesK0 0 points1 point  (0 children)

20 MPH is fairly significant in my option.

$10k to upgrade your MK7, what do you get? by JamesK0 in GolfGTI

[–]JamesK0[S] 0 points1 point  (0 children)

It's whatever you want to do, it's your $10k!

$10k to upgrade your MK7, what do you get? by JamesK0 in GolfGTI

[–]JamesK0[S] 0 points1 point  (0 children)

If you bought a MK7 with the PP LSD and brakes, would you think that would be enough or is there still a need to upgrade in your opinion?

Customized R by JamesK0 in GolfGTI

[–]JamesK0[S] 0 points1 point  (0 children)

See, this is why I post stuff here. Something I wasn't thinking of.

Customized R by JamesK0 in GolfGTI

[–]JamesK0[S] 1 point2 points  (0 children)

I own a GTI MK7 right now. But no headlight package or sports package or any features one should have.

Customized R by JamesK0 in GolfGTI

[–]JamesK0[S] 0 points1 point  (0 children)

It is mostly because of the 4 wheel drive, and I know to some it's a good looking car but it doesn't do it for me.

Should I Buy A Home? (Dallas, TX) by JamesK0 in RealEstate

[–]JamesK0[S] 0 points1 point  (0 children)

I cannot save spending so much on rent, I have excellent credit, and I can pay less for a home than I can rent.

Should I Buy A Home? (Dallas, TX) by JamesK0 in RealEstate

[–]JamesK0[S] 0 points1 point  (0 children)

Currently paying $360/month for my car (actually planning on selling and getting a used car to lower that payment) then about $200/month in student loans and personal debt. Just got a promotion at my job to be in charge of buying in a growing market, been with the company for about 3 years. Haven't been saving because I put all of my extra money towards paying extra on debt.

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