Worcester/Boston Social Thread
Mar 3, 2009, 02:02 PM
Mar 3, 2009, 02:04 PM
Well I pay rent and I have other bills other than the Evo and insurance. Whats sad is that my brother is 24 and still lives at home lol (Tony, don't tell him I said that haha.). I could sell the Evo but I rather not. It's always an option though if anyone would be interested.
Last edited by 19DB794; Mar 3, 2009 at 02:18 PM.
Mar 3, 2009, 02:19 PM
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Oh noes, Josh, don't sell the Evo! lol. I have no idea how to help you out man, but I know there are places to look for insurance. Only thing you might have to worry about is making to much money to qualify for them. Wish I had better advice man, but there has to be something out there for you. 300 a month sounds pretty steep, but I wouldn't be the best judge of that because I don't pay for my insurance, which is why I plan on doing my 20 (30 if I go officer, much bigger pension) that way I have insurance for life.
As for paying a car off quick, I have had my Evo less than 18 months and have it just over a 1/3rd of the way paid off and I plan on finishing that in the next 18 months.
As for paying a car off quick, I have had my Evo less than 18 months and have it just over a 1/3rd of the way paid off and I plan on finishing that in the next 18 months.
Mar 3, 2009, 02:24 PM
Oh noes, Josh, don't sell the Evo! lol. I have no idea how to help you out man, but I know there are places to look for insurance. Only thing you might have to worry about is making to much money to qualify for them. Wish I had better advice man, but there has to be something out there for you. 300 a month sounds pretty steep, but I wouldn't be the best judge of that because I don't pay for my insurance, which is why I plan on doing my 20 (30 if I go officer, much bigger pension) that way I have insurance for life.
As for paying a car off quick, I have had my Evo less than 18 months and have it just over a 1/3rd of the way paid off and I plan on finishing that in the next 18 months.
As for paying a car off quick, I have had my Evo less than 18 months and have it just over a 1/3rd of the way paid off and I plan on finishing that in the next 18 months.
I just need to find out if there are any restrictions on refinancing a car because I've only had my Evo for 10 months. Might sound stupid but I've never dealt with anything such as refinancing so I don't know much about it.
Last edited by 19DB794; Mar 3, 2009 at 02:32 PM.
Mar 3, 2009, 02:57 PM
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FYI The MA Health Insurance Penalty is stepped.
Federal AGI exceeds 150% FPL but does not exceed 200% FPL. Monthly penalty is $17.50.
Federal AGI exceeds 200% FPL but does not exceed 250% FPL. Monthly penalty is $35.00.
Federal AGI exceeds 250% FPL but does not exceed 300% FPL. Monthly penalty is $52.50.
Federal AGI exceeds 300% FPL and taxpayer is age 18 to 26. Monthly penalty is $56.00.
Federal AGI exceeds 300% FPL and taxpayer is at least 27. Monthly penalty is $76.00.
IMO If you have half the car paid for (and something hasn't drastically changed with your credit history), I would refinance. I refinanced my wife car in the same way after a spell of unemployment and making only 60% what I had been making to free up some extra money.
When I was your age, I just would have paid it off if I had the savings. However I have learned through spells of unemployment, I like to have a little bit of buffer in my savings.
Federal AGI exceeds 150% FPL but does not exceed 200% FPL. Monthly penalty is $17.50.
Federal AGI exceeds 200% FPL but does not exceed 250% FPL. Monthly penalty is $35.00.
Federal AGI exceeds 250% FPL but does not exceed 300% FPL. Monthly penalty is $52.50.
Federal AGI exceeds 300% FPL and taxpayer is age 18 to 26. Monthly penalty is $56.00.
Federal AGI exceeds 300% FPL and taxpayer is at least 27. Monthly penalty is $76.00.
IMO If you have half the car paid for (and something hasn't drastically changed with your credit history), I would refinance. I refinanced my wife car in the same way after a spell of unemployment and making only 60% what I had been making to free up some extra money.
When I was your age, I just would have paid it off if I had the savings. However I have learned through spells of unemployment, I like to have a little bit of buffer in my savings.
Mar 3, 2009, 03:00 PM
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FYI The MA Health Insurance Penalty is stepped.
Federal AGI exceeds 150% FPL but does not exceed 200% FPL. Monthly penalty is $17.50.
Federal AGI exceeds 200% FPL but does not exceed 250% FPL. Monthly penalty is $35.00.
Federal AGI exceeds 250% FPL but does not exceed 300% FPL. Monthly penalty is $52.50.
Federal AGI exceeds 300% FPL and taxpayer is age 18 to 26. Monthly penalty is $56.00.
Federal AGI exceeds 300% FPL and taxpayer is at least 27. Monthly penalty is $76.00.
IMO If you have half the car paid for (and something hasn't drastically changed with your credit history), I would refinance. I refinanced my wife car in the same way after a spell of unemployment and making only 60% what I had been making to free up some extra money.
When I was your age, I just would have paid it off if I had the savings. However I have learned through spells of unemployment, I like to have a little bit of buffer in my savings.
Federal AGI exceeds 150% FPL but does not exceed 200% FPL. Monthly penalty is $17.50.
Federal AGI exceeds 200% FPL but does not exceed 250% FPL. Monthly penalty is $35.00.
Federal AGI exceeds 250% FPL but does not exceed 300% FPL. Monthly penalty is $52.50.
Federal AGI exceeds 300% FPL and taxpayer is age 18 to 26. Monthly penalty is $56.00.
Federal AGI exceeds 300% FPL and taxpayer is at least 27. Monthly penalty is $76.00.
IMO If you have half the car paid for (and something hasn't drastically changed with your credit history), I would refinance. I refinanced my wife car in the same way after a spell of unemployment and making only 60% what I had been making to free up some extra money.
When I was your age, I just would have paid it off if I had the savings. However I have learned through spells of unemployment, I like to have a little bit of buffer in my savings.
Mar 3, 2009, 03:02 PM
FYI The MA Health Insurance Penalty is stepped.
Federal AGI exceeds 150% FPL but does not exceed 200% FPL. Monthly penalty is $17.50.
Federal AGI exceeds 200% FPL but does not exceed 250% FPL. Monthly penalty is $35.00.
Federal AGI exceeds 250% FPL but does not exceed 300% FPL. Monthly penalty is $52.50.
Federal AGI exceeds 300% FPL and taxpayer is age 18 to 26. Monthly penalty is $56.00.
Federal AGI exceeds 300% FPL and taxpayer is at least 27. Monthly penalty is $76.00.
IMO If you have half the car paid for (and something hasn't drastically changed with your credit history), I would refinance. I refinanced my wife car in the same way after a spell of unemployment and making only 60% what I had been making to free up some extra money.
When I was your age, I just would have paid it off if I had the savings. However I have learned through spells of unemployment, I like to have a little bit of buffer in my savings.
Federal AGI exceeds 150% FPL but does not exceed 200% FPL. Monthly penalty is $17.50.
Federal AGI exceeds 200% FPL but does not exceed 250% FPL. Monthly penalty is $35.00.
Federal AGI exceeds 250% FPL but does not exceed 300% FPL. Monthly penalty is $52.50.
Federal AGI exceeds 300% FPL and taxpayer is age 18 to 26. Monthly penalty is $56.00.
Federal AGI exceeds 300% FPL and taxpayer is at least 27. Monthly penalty is $76.00.
IMO If you have half the car paid for (and something hasn't drastically changed with your credit history), I would refinance. I refinanced my wife car in the same way after a spell of unemployment and making only 60% what I had been making to free up some extra money.
When I was your age, I just would have paid it off if I had the savings. However I have learned through spells of unemployment, I like to have a little bit of buffer in my savings.
On another note, I'm a little pissed because it looks like someone decided to key my back bumper. I dont know why someone would wanna key my back bumper but I have several marks going across it. Maybe ill get a JDM bumper after all and I still gotta call Westboro Mitsu. I dont know if they'll believe me though lol because you can only see the condensation after it rains or snows.
Last edited by 19DB794; Mar 3, 2009 at 03:23 PM.
Mar 3, 2009, 03:13 PM
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Thats exactly why I dont wanna wipe my savings. Also I dont know how my credit stands. I bought the car at 18 with no credit. So I have a loan, cell phone and a credit card under my name and I've never missed a payment and I always pay my bills way before they're due. So im clueless on what my credit score looks like but I doubt it's high. Thanks for the info though, I appreciate it.
Mar 3, 2009, 03:24 PM
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Your credit should be fine as long as you have no late payments. It should be in theory better than when you bought your car and they gave you a loan, though the financial sector has gone through a lot of changes since then.
Mar 3, 2009, 03:44 PM
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Mar 3, 2009, 03:47 PM
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Thats exactly why I dont wanna wipe my savings. Also I dont know how my credit stands. I bought the car at 18 with no credit. So I have a loan, cell phone and a credit card under my name and I've never missed a payment and I always pay my bills way before they're due. So im clueless on what my credit score looks like but I doubt it's high. Thanks for the info though, I appreciate it.
On another note, I'm a little pissed because it looks like someone decided to key my back bumper. I dont know why someone would wanna key my back bumper but I have several marks going across it. Maybe ill get a JDM bumper after all and I still gotta call Westboro Mitsu. I dont know if they'll believe me though lol because you can only see the condensation after it rains or snows.
On another note, I'm a little pissed because it looks like someone decided to key my back bumper. I dont know why someone would wanna key my back bumper but I have several marks going across it. Maybe ill get a JDM bumper after all and I still gotta call Westboro Mitsu. I dont know if they'll believe me though lol because you can only see the condensation after it rains or snows.
Mar 3, 2009, 03:55 PM
Well I pay rent and I have other bills other than the Evo and insurance. Whats sad is that my brother is 24 and still lives at home lol (Tony, don't tell him I said that haha.). I could sell the Evo but I rather not. It's always an option though if anyone would be interested.
Mar 3, 2009, 05:01 PM
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Definitely try AAA if you can. Looks like your rate would be 4.59% for 60 months, which would be awesome and is likely far less than you could find elsewhere!
As far as not using health insurance, I haven't used my health insurance for ANYTHING in the last 6 years (not even a physical or any prescriptions) but I like knowing that if anything ever happened (car accident, etc), I wouldn't screw myself or my family financially. Sucks, but it is life.
As far as not using health insurance, I haven't used my health insurance for ANYTHING in the last 6 years (not even a physical or any prescriptions) but I like knowing that if anything ever happened (car accident, etc), I wouldn't screw myself or my family financially. Sucks, but it is life.
Mar 3, 2009, 05:18 PM
Definitely try AAA if you can. Looks like your rate would be 4.59% for 60 months, which would be awesome and is likely far less than you could find elsewhere!
As far as not using health insurance, I haven't used my health insurance for ANYTHING in the last 6 years (not even a physical or any prescriptions) but I like knowing that if anything ever happened (car accident, etc), I wouldn't screw myself or my family financially. Sucks, but it is life.
As far as not using health insurance, I haven't used my health insurance for ANYTHING in the last 6 years (not even a physical or any prescriptions) but I like knowing that if anything ever happened (car accident, etc), I wouldn't screw myself or my family financially. Sucks, but it is life.
Mar 3, 2009, 05:18 PM
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dexter!!!
http://www.youtube.com/profile?user=...s&query=reggie
thats the show we were at
holy **** i wanna see reggie again...
http://www.youtube.com/profile?user=...s&query=reggie
thats the show we were at
holy **** i wanna see reggie again...
Last edited by Paulnsx; Mar 3, 2009 at 05:22 PM.