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  1. #1
    nf fbt funw glbhuof gmhp SLOPPYSECONDS's Avatar
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    Re: I'm so very disappointed... and sad

    guess wens read ya story he discuss a dedate wit you

    thankyou

  2. #2
    JUB Addict HunterM's Avatar
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    Re: I'm so very disappointed... and sad

    Some are good with finances and some are not. Who cares...as long as he's good in bed!


    Are there things that he's good at and you're not?

  3. #3
    Quality posting since 2K7 Nishin's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by animalius View Post
    So, my b/f has been fishing around for a new car. He can do whatever he wants. Lately, he thinks he will be getting one of those lease cars. I said ok do whatever you want.

    Anyway, he just called me and very excitedly said he found a great deal on a lease. If you pay them $3000 for down payment, you can rent a car for $79/month for a 2 year contract. If you don't pay the $3k downpayment, the regular price is $150/month for a 2 year contract.

    I was driving, so I couldn't do much precise math. But a quick run-through of the numbers told me this was a bad idea. I told him to get out a calculator and do a quick estimate. So, he multiplied 79 by 24 and came up with 1896. So, the total would be 4896 that he will be paying for the lease car.

    I then told him to multiply 150 by 24. Came up with 3600.

    He said "oh" and hung up.

    I'm so disappointed and sad right now. Have I chosen the wrong guy?
    Nevermind that howdidIknowthiswasgoingtobeaboutmoney ... have you chosen the wrong guy? Really??
    Because he can't calculate how much money you can save?
    I'd think the right guy should be someone who cares about you and who you care about... not a financial advisor...

  4. #4
    Young at Heart ravenstar's Avatar
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    Re: I'm so very disappointed... and sad

    Did you choose the wrong guy? Really? I think he might have if being unable to calculate in his head has you questioning the relationship.

    Perhaps he looked at it as "can I afford $79 a month or $150 a month, which is easier for me to know I will be able to pay?" Up front and lower payments almost always add up to more in the long run. It's basic business, no matter how much you pay, in the end you still pay almost the same amount.

  5. #5
    Sex God tigerfan482's Avatar
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    Re: I'm so very disappointed... and sad

    Are you familiar with the terms of the lease? There might be different lease terms (such a mileage driven per year) for one of the options. There doesn't seem to be enough information here to make any kind of informed judgement. I will tell you that most places, car dealerships included, do NOT make it cheaper to not put down a down payment, so there is definitely something going on here that hasn't been said in the thread.

  6. #6
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    Re: I'm so very disappointed... and sad

    First, You're a drama queen if such situations make you ask "is he a bad choice." Then you're making your own conclusions while asking for our opinions? OK, so he is clueless about finances or how to multiply. Do you think Warren Buffet married an accounting genius or those 90210 plastic surgeons marry brainy wives to talk about boob job anatomy all day?

  7. #7
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    Re: I'm so very disappointed... and sad

    It is worrisome, but are you going to judge the sustainability of this entire relationship based on a decision he hasn't even made yet? Give him the best advice you can, but ultimately he must make this decision himself. Who knows? He might change his mind yet. And if he doesn't, there's been worse flaws in boyfriends.
    #439th oldest member on JUB.

  8. #8
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    Re: I'm so very disappointed... and sad

    Where do you think the expression--young, dumb and full of cum came from?

  9. #9
    nf fbt funw glbhuof gmhp SLOPPYSECONDS's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by animalius View Post
    Ok, I've cleared my head. I've over reacted.

    He is 21. It takes a while for a person to mature and not get clouded by false sweet deals. He's coming back tomorrow. I'll sit down and have a talk with him.
    dat good a both get talk down each otda ans sort it all out

    talkin a got a good thang it is

    thankyou

  10. #10
    PerScientiam AdJustitiam bankside's Avatar
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    Re: I'm so very disappointed... and sad

    It's one thing if he didn't get the math. It's another thing if he hangs up because he doesn't want it explained to him. If he wants to get ripped off for hundreds of dollars because he doesn't want to learn why his math is wrong, then that sounds like the start of a very expensive ego.

    But maybe there is another explanation.

    Inside my head, I deduce what emotion I'm feeling after some careful analysis of the facts, and then after I make this conclusion, I commence feeling that way.

    Other people just do this thing where they "feel" the emotion" as though it happens spontaneously or something. Apparently those people like to experience whatever emotion they have going on without others "dragging them down." I know. I don't get it either but it takes all kinds. As far as I can tell, they're normal, healthy, sane people.

    I have discovered that for people whose brains work emotions first it is best to let them enjoy the feeling and bring up objections once their emotion has dissipated. They can accept it with an open mind then. So in this case "Wow! I'm so glad you found a great deal! But sleep on it before you buy the car" works way better than "Okay here are the pros and cons and the cons seem to outnumber the pros." They just won't hear it because they're still busy enjoying the emotion.

    But the next day "Listen I know you love that car but let's do the math" is going to actually have a shot at being heard.

  11. #11
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    Re: I'm so very disappointed... and sad

    Actually, I don't see anything that tells me it's a horrible deal, not at all. However, it appears your situation is kind of like the "little old lady who only took the car to church on Sundays" LOW MILEAGE type of thing, and it may not be as good an idea for that.

    I also don't know enough about how leases work, such as how many miles can be driven before a mileage penalty gets added to the cost. I usually drive more than 20,000 miles per year - which I think is "too many" for most leases, without incurring a mileage penalty. However, if there was a lease at the cost you quoted, and you were driving 25,000 miles per year, it would probably be worth it (UNLESS the mileage penalty is large).

    How many miles does the ordinary car go nowadays before it needs to be retired? About 150,000? OK, that would be six years.

    At the $150 per month, that would be $10,800 to drive it until the wheels are ready to fall off - much less than buying a new car.

    At $79 per month (and $3,000 down), that is less than $9,000 for six years which is definitely much less.

    With a lease, does the owner (NOT YOU - but the dealer, etc.) have any responsibility for repairs?

    But it's probably not a good deal if it's not driven very much, as you say.
    Last edited by frankfrank; January 25th, 2013 at 08:48 PM.
    BOSS: I'm sorry, but I'll have to lay you and Jack off.
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  12. #12
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by Kien View Post
    What's the opposite? old, bold, and full of gold?
    Never heard that one but it sounds right

  13. #13
    What's next? chrisrobin's Avatar
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    Re: I'm so very disappointed... and sad

    Trouble with a leased car is that when the lease is up, you have nothing to show for it. The low monthly payment is nice but...

    When a car is leased, it is not given the best of care, since the lessor doesn't own it. I would get a new car for less money, and if you get a good payment plan, you'd be better off in the long run. Just sayin'.

    Also, you might want to consider CarMax. It appears to have a good reputation.

  14. #14
    huh?
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    Re: I'm so very disappointed... and sad

    Here's how I do to. I say, here is my new car, if he asks how much the payment is I tell him, it's my responsibility to pay the bill. If my bf doesn't like the deal that I made too bad. I don't feel compelled to run every deal I make past my bf. if he wants the car and he can live with the payments does it really matter if its the absolute best deal?
    FPNY
    Annoying JUBBERS since 2003

  15. #15
    JUB Addict voyager1994's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by animalius View Post
    He's studying accounting.
    Your bf is will make a lot of businesses go bankcrupt if he's the accountant

  16. #16
    WTF????? refujiunderground's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by animalius View Post
    He's studying accounting.
    oh dear.
    one thing about the closet/you don't have to hurry/it will be bad tomorrow/so brother, don't you worry

  17. #17
    Dimples glasvegas's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by Kien View Post
    21 year olds are bound to make bad calls and judgments. Give him a break.
    Well, someone needs a break as well.

  18. #18
    Come again? dereperez's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by Kien View Post
    21 year olds are bound to make bad calls and judgments. Give him a break.
    Hey I resent that.

  19. #19
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by animalius View Post
    So, my b/f has been fishing around for a new car. He can do whatever he wants. Lately, he thinks he will be getting one of those lease cars. I said ok do whatever you want.

    Anyway, he just called me and very excitedly said he found a great deal on a lease. If you pay them $3000 for down payment, you can rent a car for $79/month for a 2 year contract. If you don't pay the $3k downpayment, the regular price is $150/month for a 2 year contract.

    I was driving, so I couldn't do much precise math. But a quick run-through of the numbers told me this was a bad idea. I told him to get out a calculator and do a quick estimate. So, he multiplied 79 by 24 and came up with 1896. So, the total would be 4896 that he will be paying for the lease car.

    I then told him to multiply 150 by 24. Came up with 3600.

    He said "oh" and hung up.

    I'm so disappointed and sad right now. Have I chosen the wrong guy?
    So do you control all aspects of your lovers life ?
    You have to let people make mistakes , that is hopefully how they learn next time .

    Not flaming you dude , but that came across as rather possesive .

  20. #20
    美しいヨーロッパ Scealle's Avatar
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    Re: I'm so very disappointed... and sad

    People make mistakes. Especially 21 years olds.

  21. #21
    Dimples glasvegas's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by Scealle View Post
    People make mistakes. Especially 21 years olds.
    He hasn't make the call yet, why people keep saying he's making mistake?

  22. #22
    Look, listen and rejoice oakpope's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by ravenstar View Post
    Did you choose the wrong guy? Really? I think he might have if being unable to calculate in his head has you questioning the relationship.

    Perhaps he looked at it as "can I afford $79 a month or $150 a month, which is easier for me to know I will be able to pay?" Up front and lower payments almost always add up to more in the long run. It's basic business, no matter how much you pay, in the end you still pay almost the same amount.
    That doesn't make sense for me, as he could save the 3k $ to help him pay the monthly 150$ and that would save him the difference.
    Magna Veritas


  23. #23
    Grumpy Old Man jft245's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by animalius View Post
    He's studying accounting.
    That scares me.

    Added Thought: I wish I had some one like you around to talk me out of all the stupid finacial I have done over the years. You are just looking at the situation from a practical point of view and your bf should thank you for helping him save money.

  24. #24
    Look, listen and rejoice oakpope's Avatar
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    Re: I'm so very disappointed... and sad

    For those saying Animalius is controlling, for me he is not. When you see someone you care for doing something stupid, don't you at least say something to prevent damages ?

    Teaching someone to take time to calculate deals is a good thing in my book, and if a friend/boyfriend said to me that I was doing a mistake, I'll be gratefull to him.

    21 is not that young that he can't apply very basic math to a deal.
    Magna Veritas


  25. #25
    The gay gargoyle G-Lexington's Avatar
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    Re: I'm so very disappointed... and sad

    Is he GIB?

    Lex

  26. #26
    JUB Addict EuroSoccer's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by Scealle View Post
    People make mistakes. Especially 21 years olds.
    If he goes ahead with the purchase of the more expansive option, this can't be considered just a mistake Scealle.
    It would have been a mistake if he had bought the car without realizing it.
    But since he now knows he will be paying $2000 extra if he chooses the dawn payment option, well................ that is just plain stupid.
    Nothing to do with being young and naive.

    This is not an emotional decision.
    If he wants to spend more money to buy his dream car, let's say a BMW, that is his call.
    Unfortunately in this case the choice is not between a BMW and a Ford Focus (just guessing), but between two new Ford Focus with the same identical specs, one of which is $2000 more expansive than the other.

    And Animalaus, that is not a bad judgement case either.
    Your dad genuinely thought that buying lawn mower was a better idea than hiring someone to mow the lawn.
    Your dad had to choose between two different options and he choose the wrong option.
    That is just bad judgement.

    But paying $2000 extra for an identical product, it's diabolical.
    Nobody should defend this kind of behavior, that's like literally throwing $2000 down the drains.

  27. #27
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    Re: I'm so very disappointed... and sad

    I think you should dump him.

    He sounds like a total loser.

    You can't be burdened for the rest of your life or the next 14 months with someone who is so stupid, particularly about money.

    Every time you are fucking him from now on, all you'll be able to think about is how stupid he is and why couldn't he just do a simple calculation. Even as you are cumming.....you'll be replaying the calculations every single time.

    So tell him it is over.

    By the way though. I think that one of you is wrong and I suspect it it about the total cost of the lease, including the buyout.

    There is no way that an auto lease with a downpayment is more than the cost of a lease without. I suspect that the real penalty is at the end on the lease without the downpayment.

    But if I had a boyfriend who was so stupid not to get the total cost of a lease versus the dp and monthly payments, I would fuck him dirty one last time and then physically shove him out of my bed and house.

    Nobody got time for that.

  28. #28
    je suis charlie
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    Re: I'm so very disappointed... and sad

    You really do pick the stupidest boyfriends don't you?

    What is the attraction? Horse cocks?

    So will this be like you continuing to pay for this ex's car for months after you dump hid stupid ass and then getting all pissy with him because he somehow expects this?

  29. #29

    Re: I'm so very disappointed... and sad

    Quote Originally Posted by rareboy View Post
    I think you should dump him.

    He sounds like a total loser.

    You can't be burdened for the rest of your life or the next 14 months with someone who is so stupid, particularly about money.

    Every time you are fucking him from now on, all you'll be able to think about is how stupid he is and why couldn't he just do a simple calculation. Even as you are cumming.....you'll be replaying the calculations every single time.

    So tell him it is over.

    By the way though. I think that one of you is wrong and I suspect it it about the total cost of the lease, including the buyout.

    There is no way that an auto lease with a downpayment is more than the cost of a lease without. I suspect that the real penalty is at the end on the lease without the downpayment.

    But if I had a boyfriend who was so stupid not to get the total cost of a lease versus the dp and monthly payments, I would fuck him dirty one last time and then physically shove him out of my bed and house.

    Nobody got time for that.


    Absolute fucking gold, this made my morning.

  30. #30
    JUB Addict EuroSoccer's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by animalius View Post
    Just had a talk with him face to face. First of all there are no difference between the two terms other than money. He wants me to pay the downpayment so he can have the low monthly. I had to explain to him that if I help him I would do it with the 150 because its cheaper. Took a while but I think he will be fine for now. We will go fish around today for a car. He really needs a new one.
    Ohhhh now it all make sense...........your BF is not that naive after all

    Last edited by EuroSoccer; January 26th, 2013 at 09:45 AM.

  31. #31
    JUB Addict HunterM's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by EuroSoccer View Post
    Ohhhh now it all make sense...........your BF is not that naive after all

    I'm looking for a sugar daddy as well. Where is he???

  32. #32
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by chrisrobin View Post
    Trouble with a leased car is that when the lease is up, you have nothing to show for it. The low monthly payment is nice but...

    When a car is leased, it is not given the best of care, since the lessor doesn't own it. I would get a new car for less money, and if you get a good payment plan, you'd be better off in the long run. Just sayin'.

    Also, you might want to consider CarMax. It appears to have a good reputation.
    What you get is wheels that took you from point A to point B, you get its use. Cars are not investments for a return. They are machines for transport. It beats riding the bus, train, or taxi if you have to get somewhere at the time you choose. Also you get the privilege perhaps of a newer car with nicer features then you could afford or would qualify for in regards to a loan or cash down.

    People often say the same thing about renting a place over buying it. See how that turned out a few yrs back? Not so hot.
    I would say the same thing when the often touted "Renting a place you own nothing you have nothing".
    Well shit you have a roof over your head and that's better then living under the bridge or on a park bench.

  33. #33
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    Re: I'm so very disappointed... and sad

    Can he pay the thing off early or is be bound to pay the monthly costs for the full term? If you can pay it off early, all you would pay extra is a few months of interest payments plus the penalty, if there is one. He should really ask about these things.


  34. #34
    WTF????? refujiunderground's Avatar
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    Re: I'm so very disappointed... and sad

    what i'm still smh about is how your boyfriend wants to be an accountant BUT he doesn't appear to be good at math. maybe he was having a bad day. now he wants you to give him the cash for that down payment.

    i agree with what rareboy said but i'd give him another chance to seem if he can redeem himself one more time. you sure pick some problematic guys to fall in love with.
    one thing about the closet/you don't have to hurry/it will be bad tomorrow/so brother, don't you worry

  35. #35
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    Re: I'm so very disappointed... and sad

    ^ Well not problematic as much as downright stupid. And disappointing. And Saddening.

    Here we were all geared up to come to the wedding with this one, because the OP made him sound like a total catch after the unbelievable loser douch-bag who got his ex Bf to keep shelling out for airtime....only to have this entire relationship crash and burn at our feet as the OP brings his crushing disappointment and sadness to our breakfast table.......

    I can put up with a lot of shit myself.

    But I have zero minutes in my life for any trick who can't manage car payments or even fucking calculate the entire lease agreement in their head before calling me ( probably on a cellphone that I'm paying for) and sounding like a twelve year old instead of the MBA that I'm needing to jam my cock down his throat.

    Jesus.

    I don't think there can be any more chances.

    When a JUBBER brings a serious issue like this to the table in order to get support, I am there for them.

    I know that when the OP's face is about an inch away from that quivering brown eye...and he thinks about how mentally incapacitated any guy who can't negotiate a simple car lease is....his dick is going to droop like a willow branch.

    And that is it. Nothing will re-ignite the flame of passion.

    Better to just hire some rent boys instead of constantly having these vampires sucking at your bank account.

    Saves Sadness.

    And Disppointment.

  36. #36
    WTF????? refujiunderground's Avatar
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    Re: I'm so very disappointed... and sad

    Quote Originally Posted by rareboy View Post
    ^ Well not problematic as much as downright stupid. And disappointing. And Saddening.

    Here we were all geared up to come to the wedding with this one, because the OP made him sound like a total catch after the unbelievable loser douch-bag who got his ex Bf to keep shelling out for airtime....only to have this entire relationship crash and burn at our feet as the OP brings his crushing disappointment and sadness to our breakfast table.......

    I can put up with a lot of shit myself.

    But I have zero minutes in my life for any trick who can't manage car payments or even fucking calculate the entire lease agreement in their head before calling me ( probably on a cellphone that I'm paying for) and sounding like a twelve year old instead of the MBA that I'm needing to jam my cock down his throat.

    Jesus.

    I don't think there can be any more chances.

    When a JUBBER brings a serious issue like this to the table in order to get support, I am there for them.

    I know that when the OP's face is about an inch away from that quivering brown eye...and he thinks about how mentally incapacitated any guy who can't negotiate a simple car lease is....his dick is going to droop like a willow branch.

    And that is it. Nothing will re-ignite the flame of passion.

    Better to just hire some rent boys instead of constantly having these vampires sucking at your bank account.

    Saves Sadness.

    And Disppointment.

    good point.

    honestly, judging from the past threads about his current boyfriend from the whole "his ex got locked up for looking at kiddie porn" to this, his boyfriend seems to be bad news.

    i guess the op only cares about how good his boyfriend looks compared to everything else but if that's what makes him happy. one thing is that he can't blame anybody but himself because that's what he choses to mess with.
    one thing about the closet/you don't have to hurry/it will be bad tomorrow/so brother, don't you worry

  37. #37
    The gay gargoyle G-Lexington's Avatar
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    Re: I'm so very disappointed... and sad

    ...totally GIB.

    Who was the JUBber years ago who was having issues with his boyfriend meeting up with a security guard at work? And the main trouble seemed to be the misuse of the BMW?

    Lex
    Last edited by G-Lexington; January 26th, 2013 at 05:18 PM.

  38. #38
    je suis charlie
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    Re: I'm so very disappointed... and sad

    omfg

    I remember that guy and the reactions he got from all of us about this.

    I suspect he was finally found in the trunk of the Beamer at the bottom of the lake.

    @ the OP.

    Well phew.

    Glad you are over your sadness and disappointment. Let's hope we all learned something from this.

    Although I swear that you are never going to be able to fuck him again without doing the math.

  39. #39
    The gay gargoyle G-Lexington's Avatar
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    Re: I'm so very disappointed... and sad

    I don't know why this thread reminded me of that other one.

    Oh, and OP - 14:30 and counting.

    Lex

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