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Car leasing lingo question:

I want to pay ALL the required fees to start the lease upfront (e.g. TTL, documentation fee, etc.) so I don't pay extra interest on them.† What's the lingo I need to tell the salesman so he knows what I'm talking about?† Do I say "inceptions", "driveoff" or does "TTL" mean all these fees?

Thanks!

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LongDongSilver said:   Car leasing lingo question:

I want to pay ALL the required fees to start the lease upfront (e.g. TTL, documentation fee, etc.) so I don't pay extra interest on them.† What's the lingo I need to tell the salesman so he knows what I'm talking about?† Do I say "inceptions", "driveoff" or does "TTL" mean all these fees?

Thanks!

† TTL means tax, title, license (registration) fees. Inception is implanting an idea into their subconscious. Remember, don't die in the dream and don't go too many levels deep or you might get trapped.†

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very good nice

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All of my credit reports have mentioned that I don't have any loans on record. Would it be a good idea to get a loan and if so what kind of loan should I be looking for?

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parkdanil said:   All of my credit reports have mentioned that I don't have any loans on record. Would it be a good idea to get a loan and if so what kind of loan should I be looking for?
†It depends on your goals and your credit score. Bottom line is that you should only get credit that you can use responsibly (pay off credit cards at end of month, car loan or mortgage within your means). If you're not going to be able to use it responsibly, it will cost you dearly.

In order to give more specific advice, we need to know what your goals are, what your credit score/history is, and what your financial picture looks like in terms of income, expenses & debts.

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BostonOne said:   
parkdanil said:   All of my credit reports have mentioned that I don't have any loans on record. Would it be a good idea to get a loan and if so what kind of loan should I be looking for?
†It depends on your goals and your credit score. Bottom line is that you should only get credit that you can use responsibly (pay off credit cards at end of month, car loan or mortgage within your means). If you're not going to be able to use it responsibly, it will cost you dearly.

In order to give more specific advice, we need to know what your goals are, what your credit score/history is, and what your financial picture looks like in terms of income, expenses & debts.

† I have 800+ FICO scores and no reporting loans. Am I worried about it? No

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BostonOne said:   
parkdanil said:   All of my credit reports have mentioned that I don't have any loans on record. Would it be a good idea to get a loan and if so what kind of loan should I be looking for?
†It depends on your goals and your credit score. Bottom line is that you should only get credit that you can use responsibly (pay off credit cards at end of month, car loan or mortgage within your means). If you're not going to be able to use it responsibly, it will cost you dearly.

In order to give more specific advice, we need to know what your goals are, what your credit score/history is, and what your financial picture looks like in terms of income, expenses & debts.

† I'm 29 I live in a house owned by a relative so no mortgage though I do pay the power/internet bills, I get around on a scooter so don't really need a car loan. I've got cap1 quicksilver 3k, WalMart 1.4k credit cards. I get maybe $460 per month after paying bills. I'd like to get married but I'm not the most social creature, probably just use an agency and skip dating if possible.

Goals hmm...can't think of anything other than stuff like becoming mega-rich.

EDIT:† Don't know why I didn't think of it before but I could certainly get a shiny new scooter, a loan would be fine for that.

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parkdanil said:   All of my credit reports have mentioned that I don't have any loans on record. Would it be a good idea to get a loan and if so what kind of loan should I be looking for?
† I suggest you think about what your goals are. †In a later post you made a comment about getting a shiny new scooter. †OK, if that is what really turns you on, go for it. †

It seems that perhaps a bit more soul searching might be in order to figure out where you want to go in your life, what you really value, how you are going to get there. †

Would it be a good idea to get a loan? †Sure, if that is going to get you where you want to go. †At one point, I got a car loan for a car I could have paid for with cash. †I let it ride a few months and paid it off to see how it might help my credit score. † At times, my credit score is very important to me, so it was well worth a few months of interest (2% or something -- no big money on the table) Otherwise, you've got a decent start on some CCs which will provide you with a decent credit history as you go along. †No need to get a loan just for the purpose of getting a loan. †

Keep reading here and Bogleheads (for investing) and creditboards (for credit tips) and you'll soon be on your way financially and perhaps pick up some ideas on where you want to go in your life. †All meant seriously and in a helpful manner. †


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I am planning on buying a house in the next 1-2 years, so I need to keep the down payment in cash/savings account etc. Should I withdraw from my stock brokerage account OR my roth IRA? Assume both have the amount I'll need for my down payment, and that the Roth IRA was not earmarked for retirement. The Roth IRA withdrawal would be contributions only, not earnings. I've owned all stocks for a year+. Thank you!

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