[quote]PGJ wrote:
Zap Branigan wrote:
PGJ wrote:
…
Tires come in a wide range of prices. Unless you’re a competitive race car driver, the cheaper one’s will work just fine. That doesn’t mean go with the absolute cheapest Chinese re-tred tires. Just don’t buy the stupid Pirelli or Yokohama tires. Shop around.
I have found Yokohamas to be good tires at a reasonable price compared to Pirellis, etc.
That’s part of my point. Shop around. The internet has great prices, although I have found Pep Boys to be the best deal around. Don’t pay full price for anything.
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I’ve bought shoes from shoebuy.com for incredible savings. Go try on the shoes you like in the store first. Make sure you know the correct size and model. Then go to shoebuy and see how much cheaper they are!
I originally bought Yokohama touring tires from tirerack after I heard they were quiet. They don’t seem any quieter, but they’ve been good, long-lasting tires and were quite inexpensive. After one was trashed due to a road hazard, I replaced it with a mismatched used tire. Put the mismatch on the back and you’ll never know the difference.[/quote]
When I switched from Goodyears to Yokos on both my car and my wifes car they were much quieter.
[quote]Nate Dogg wrote:
MrTangerineSpedo wrote:
obatiger11 wrote:
Nate Dogg wrote:
Here are a few things that have worked for me:
1) Only use 0% interest credit cards and transfer the balances until paid off (be sure to pay more than the minimum balance). I’ve been doing this for the past two years. One card will be paid off next month. The other card now has my car loan transferred to it so I don’t pay interest on a loan. The only other loan I have is my school loan. I may also transfer that to a 0% credit card in the future to pay it off sooner. I am down to about $3,500 on that loan (~$100/month right now).
Are you talking about switching cards whenever the introductory rate is over and the real interest rate kicks in?
How many times can you continue to transfer balances from one card to another? Someone once told me it was illegal to continue doing this over and over again. Were they full of shit? Would appreciate any advice b/c I have a credit card now I am trying to pay off. I only owe about $3,500, but with the interest it is hard to make any progress. I currently have only transfered this balance once from another credit card.
Thanks!
I don’t believe there’s any law limiting how many times you can transfer credit balances. Just be careful because it will drive your credit rating way down.
There is no law preventing this. I’ve done this with four different cards in the past 2 1/2 years (three from the same company - Chase).
However, the one “negative” on my credit report is that I don’t have enough long-term history on my 0% credit cards since I keep cancelling them and applying for others every 12-15 months. So this does lower my credit score somewhat (but I’m still over 730 on all three credit bureaus).
Also, I only choose 0% interest credit cards with a low fixed-rate once the promotion ends and something with no annual fee or additional fees.
Chase has been one of the best companies since they offer all of the above. I currently have a Visa (to be paid off next month) and a Mastercard with them (that now has my car loan on it for 0% interest until August 07).
So, if you can get those promotional offers, use them until you pay off your debt!!![/quote]
Does this lower your credit score considerably or just a small fraction? Essentially is it worth it?
Woah what’s with the hating on expensive watches ? Not everyone who owns a Rolex went out and thought he was gonna be king shit at work or something because he had one. My Grandfather had an Original Comex Submariner Rolex from a friend who worked for Comex. When he died I ended up with it, my Dad has no interest in it. As it happened he also had a Sea Dweller from when he was a diver, I also inherited it, I think he probably did not buy it because he thought it was bling or he looked cool. Charles Bronson wore a Rolex in the Mechanic…nuff said!
As it happens I also have a Panerai Luminor GMT and a Tudor Mini Sub, I don’t own these because I think they are flash, in fact I don’t wear them out for fear of damage or theft. I just like them and that’s a good enough reason for ownership.
As for the tyres, there are cheaper alternatives in some performance sizes and stuff like Falken which are cheaper but don’t compromise on quality. However running mismatched tyres, different sizes or undersized budget ones is tomfoolery. The rule of thumb is always buy the best tyres you can afford.
For watches…any Timex or Casio at any price tell the time better than any Rolex or Panerai because they are digital, the Rolex Submariner for example goes out by about 15 secs a month.
[quote]PGJ wrote:
What’s the difference between Pirelli tires that cost $200 each and Pep Boys tires that cost $60 each? A local tire store actually told me I needed performance tires like Pirelli’s on my BMW because, well, it’s a BMW and they’re supposed to be performance cars. I told him my car is 12 years old and I don’t drive like those idiots on “Fast and Furious”. A tire is a tire, unless perhaps you plan to race.
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Tires are what hold your car to the road. Theres no way in hell I’d ever skimp on tires. You may not drive like “those idiots on fast and furious” but when someone cuts you off and you have to swerve, a good tire vs. a shitty tire could keep you from sliding into a telephone pole and saving you a lot of money, and hassel. Not to mention your life or the life of others.
I dont know about you, but there are sure alot of assholes on the road where I live.
How many times can you continue to transfer balances from one card to another?[/quote]
As many times as you want.
Yes, they were.
Sheeit… We’ve got somewhere in the neighborhood of 18k in credit card debt (most of it due to an addition on the house), and my wife has transfered balances 3x yours around on different cards, saving us thousands of dollars in interest over the last 3-5 years.
[quote]There is no law preventing this. I’ve done this with four different cards in the past 2 1/2 years (three from the same company - Chase).
However, the one “negative” on my credit report is that I don’t have enough long-term history on my 0% credit cards since I keep cancelling them and applying for others every 12-15 months. So this does lower my credit score somewhat (but I’m still over 730 on all three credit bureaus).
Also, I only choose 0% interest credit cards with a low fixed-rate once the promotion ends and something with no annual fee or additional fees.
Chase has been one of the best companies since they offer all of the above. I currently have a Visa (to be paid off next month) and a Mastercard with them (that now has my car loan on it for 0% interest until August 07).
So, if you can get those promotional offers, use them until you pay off your debt!!![/quote]
Solid advice here.
This is actually the first I’ve heard of this, but I’m guessing it isn’t much (as far as I know) as my wife and I have been doing it for years and have solid credit scores. The payoff is saving a crapload of money in interest payments. If you want to avoid any possible black marks, keep the card after the introductory 0% is over and you have transfered the balance to another card. Use it once in a while (once a month) for minor purchases, and pay the balance off in full when the bill comes in. This way, you are establishing more credit history, but not getting socked with interest by carrying a balance from month to month.
Oh, and another thing; don’t be a pushover and just accept whatever interest rate they give you. After you have had a card for 6 months-1 year, call them up and tell them you need a lower rate (be polite, of course). Most credit companies have authorized their operators to lower your rate as low as 5-6%, or wave an annual fee or increase your credit limit to keep your business if you have a solid history with them (no late pays, etc.). It costs nothing to ask, but they will never offer this when they see (by your silence) you are willing to pay the higher rate every month.
If you are just driving around town, you dont need 100$ tires. The car I bought has freakin really cheap tires on them, cant think of the name, but they cant be more than 30$ a tire. They ride fine for me. If you live somewhere where the winters are ice cold, i would only suggest getting a good pair of tires. My dad bought some Nokian all season for his subaru and they work marvelously in all seasons, of course with AWD it certainly helps. If you are a mature driver, and drive normal, ie not like a maniac or nutcase, than reasonable tires will work.
[quote]mike08042 wrote:
If you are just driving around town, you dont need 100$ tires. The car I bought has freakin really cheap tires on them, cant think of the name, but they cant be more than 30$ a tire. They ride fine for me. If you live somewhere where the winters are ice cold, i would only suggest getting a good pair of tires. My dad bought some Nokian all season for his subaru and they work marvelously in all seasons, of course with AWD it certainly helps. If you are a mature driver, and drive normal, ie not like a maniac or nutcase, than reasonable tires will work. [/quote]
Cheaper tyres with harder rubber or rubber compounds that are less expensive to manufacture have less traction and increase stopping distances.
Mature, speed of driving etc has no bearing on it.
I guess I don’t understand. Why did you lease a car to begin with if you are trying to save money? isn’t that kind of the same as renting? When somone pays off a loan the vehicle is theirs. don’t you have to turn the car back in when the lease is done?
