Recruiting Forum Football Talk III

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#218,151
#218,151
Volnatic said:
Dave Ramsey's eighteen year-old daughter also drove a brand new Audi SUV our freshman year at UT. It's easy to preach financial responsibility from an ivory tower where you've already got money. I'm sure he paid cash for her car, but he was able to...because he's rich.
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he also talks about how to save money, regardless of income.

situation always dictates....and for some, you can just go write a check. others, you need to save before you buy. just depends on where you are and what your situation is. i bought my truck, paid cash for it. but i saved for a few years before i bought it. and the one i bought was 9 years old, and was relativel high mileage. but did my homework, saved the money, and i didn't over pay at all. got 5 years out of that turck before selling it to my nephew, who also saved and paid cash....he's 19 and has a part time job while doing the Army reserve. so he's not rich either. but i told him what i'd sell it to him for (i did give him the friends and family discount), but he had to save up to get there....took him about a year.

anyway...you can't just say 'he's rich, no wonder'....anyone can decide what they want to do with whatever money they make...besides it's not about how much you make, its about how much you have left in your pocket..........................
 
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#218,154
#218,154
nicksjuzunk said:
Definitely don’t appreciate being signed up for all of these emails, to whoever did that

One of them addresses me as “Catbones” so…
View attachment 385154
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Who in the world has the time or the want to, to sign someone up for a bunch of crap…. What kind of sad life does that person live
 
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#218,156
#218,156
utvols83 said:
Nissan has updated their CVT to be much more durable...although I'm still not a fan of CVTs in general. Whoever took over Nissan after Carlos Ghosn has got the ship heading back in the right direction. The recent updates to the Titan and the new Pathfinder, Rogue, and Frontier are massive improvements. The 9 speed transmission that's in the Titan, Pathfinder, and new Frontier is looking pretty good.

To be clear, I've been a Nissan guy since I started driving and my grandfather was one of the construction managers during the building of the Smyrna plant. That being said, I definitely strayed away from Nissan for the 2012-2018 timeframe and recently picked up a 2021 Nissan Titan Pro-4x. I absolutely love the truck. As for bignewt's comment on the interiors...I would agree except for the new models coming out. The interior on my Titan is very nice...certainly much nicer than the Tundra and Silverado interiors I have been in and more comfortable than a loaded F-150 (Ram is hard to beat for interiors). My loaded Titan also cost less than the competitors. My wife recently switched from a 2017 Lexus RX that was fully loaded out to a 2022 Pathfinder Platinum and we both feel like the interior on the new Pathfinder Platinum beats the Lexus. I think Nissan is well on their way to repairing their reputation.
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we bought a 2011 Pathfinder with about 20k on it 7 years ago. we've driven the wheels off that thing. now sitting at about 202k...never had any major issues with it. we're now to the point where it probably does need brakes, tires and some suspension work, so we're going to see how much that will be, and decide if that's worth doing and keeping it another few years or looking for a 'new to me' car again.

the interior does suck. but i've always just looked at that thing as a piece of equipment.....lol. it's served us well.....
 
#218,163
#218,163
Jackcrevol said:
No offense, when I think of Nissan. I think of a step above Kia.
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Everyone has their own view of the quality hierarchy of vehicle manufacturers. Nissan used to be up there with Toyota and Honda but fell off. They're making the right moves to get back up there. Honda has actually had their fair share of issues the last decade and Toyota has as well. In the meantime, Kia and Hyundai have made huge strides. I personally think there's good enough evidence to say that all of those brands are more reliable as a whole than Dodge/Chrysler, GM, and Ford. That being said, I could pick one or two vehicles from each manufacturer that I would be ok with owning.
 
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#218,164
#218,164
Jackcrevol said:
The word easy has never been used when dealing with a Kia Hyundai or any Korean vehicle.

Had a mechanic explain it to me. Had a long response typed out...its just engineering...mechanic also added its steep they use in Japan vs Korea ¯\_(ツ)_/¯

Again, im no expert. I just know our Hyundai Tuscon was an immortal PIA, and was always having issues. Theyre expensive to work on and at 100K theyre ready to trade.
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Have heard the exact opposite from mechanics. I guess it depends on what your preference is for "simple" as a mechanic. We've had a Kia Sportage for a few years now with over 100k and no issues, been less headache than my Ford Escape that I've had for less time (with less miles).
 
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#218,165
#218,165
jakez4ut said:
he also talks about how to save money, regardless of income.

situation always dictates....and for some, you can just go write a check. others, you need to save before you buy. just depends on where you are and what your situation is. i bought my truck, paid cash for it. but i saved for a few years before i bought it. and the one i bought was 9 years old, and was relativel high mileage. but did my homework, saved the money, and i didn't over pay at all. got 5 years out of that turck before selling it to my nephew, who also saved and paid cash....he's 19 and has a part time job while doing the Army reserve. so he's not rich either. but i told him what i'd sell it to him for (i did give him the friends and family discount), but he had to save up to get there....took him about a year.

anyway...you can't just say 'he's rich, no wonder'....anyone can decide what they want to do with whatever money they make...besides it's not about how much you make, its about how much you have left in your pocket..........................
Click to expand...

You're 100% correct that you can do whatever you want with the money you earn. His approach to "advice" is just a bit tone deaf to the varying financial circumstances of people...and basically doesn't consider emergency situations at all.
 
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#218,166
#218,166
Catbone said:
5-7
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I firmly believe we will beat a team we maybe shouldn't. Unfortunately, it might just be Kentucky.

5-7 is a little on the pessimistic side for me, considering the East is dog crap right now. I've unfortunately convinced myself that we could even beat Florida (again). Florida is hot garbage but I'm sure Mullen will pull 10 wins out of his butt.
 
#218,168
#218,168
jakez4ut said:
we bought a 2011 Pathfinder with about 20k on it 7 years ago. we've driven the wheels off that thing. now sitting at about 202k...never had any major issues with it. we're now to the point where it probably does need brakes, tires and some suspension work, so we're going to see how much that will be, and decide if that's worth doing and keeping it another few years or looking for a 'new to me' car again.

the interior does suck. but i've always just looked at that thing as a piece of equipment.....lol. it's served us well.....
Click to expand...
That generation of Pathfinder was really good. It's ridiculous that the next model had a CVT and looked more like a minivan. They had a ton of problems with that CVT. Your auto transmission in that 2011 will last a long time. I'm glad they went back to the auto transmission in the 2022. It feels great in my wife's new Pathfinder.
 
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#218,169
#218,169
utvols83 said:
Nissan has updated their CVT to be much more durable...although I'm still not a fan of CVTs in general. Whoever took over Nissan after Carlos Ghosn has got the ship heading back in the right direction. The recent updates to the Titan and the new Pathfinder, Rogue, and Frontier are massive improvements. The 9 speed transmission that's in the Titan, Pathfinder, and new Frontier is looking pretty good.

To be clear, I've been a Nissan guy since I started driving and my grandfather was one of the construction managers during the building of the Smyrna plant. That being said, I definitely strayed away from Nissan for the 2012-2018 timeframe and recently picked up a 2021 Nissan Titan Pro-4x. I absolutely love the truck. As for bignewt's comment on the interiors...I would agree except for the new models coming out. The interior on my Titan is very nice...certainly much nicer than the Tundra and Silverado interiors I have been in and more comfortable than a loaded F-150 (Ram is hard to beat for interiors). My loaded Titan also cost less than the competitors. My wife recently switched from a 2017 Lexus RX that was fully loaded out to a 2022 Pathfinder Platinum and we both feel like the interior on the new Pathfinder Platinum beats the Lexus. I think Nissan is well on their way to repairing their reputation.
Click to expand...

Good to hear then, our family has always had someone with a Nissan for quite awhile. One of the last ones was a 99 Altima that cleared 300k miles. My sister/brother-in-law both drive Nissans and seem to like them.
 
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#218,172
#218,172
Volnatic said:
You're 100% correct that you can do whatever you want with the money you earn. His approach to "advice" is just a bit tone deaf to the varying financial circumstances of people...and basically doesn't consider emergency situations at all.
Click to expand...

Have you read his book though? His logic is sound, it's the "want to" that people lack.

I read it and am under 25k debt right now with more than that in savings. It works, but it's not always been easy to not run out and buy the next big thing.
 
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#218,173
#218,173
Orange Studs said:
The one other side of leasing is that when its time to turn it in if you don't have any money to put down to purchase another car you want have any equity at all. If you can purchase with these low rates that is what I would do. At least you would have some trade trade value and even that depends on what car you purchase. Make sure they hold their value and you not paying for pensions. lol
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Much of the time that is true. There are a lot of considerations dependent on the situation. In this environment it depends on the lease deals that are offered and the price point of the vehicle - low- middle - high. When they are moving year end models out there can be some really good lease deals with reasonable residuals if you want to keep it. In two years or so the rates will probably still be good to finance it on a reasonable term. The book residual value of the vehicle may be less than the market value if trends continue.

If you are a disciplined saver and go with a vehicle that has a low lease rate deal and reasonable residual pricing, you can come out ahead if the used car market returns to norm during the lease term. You may not have built enough equity to justify versus a low lease rate. You get a new vehicle with lower operating expenses with warranties involved with the lease. You are not assured of low operating cost with a used car.

It's up to nick's situation IMO.
 
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