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/biz/ - Business & Finance


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File: 94 KB, 1038x375, 2018-ford-f-150-towing-capacity_o-1038x375.jpg [View same] [iqdb] [saucenao] [google]
15482358 No.15482358 [Reply] [Original]

This is a $50k vehicle.

How do so many wagies afford to drive vehicles like this? I get paid similarly to my peers who love to swap out their trucks every few years but I could never put so much of my income into a new truck and I'm relatively terrible with money. How the fug.

>> No.15482365

>>15482358
Be a freight broker and you can buy f350s without a second thought.

>> No.15482369

>>15482358
because they take retarded leases and save 0% of their salary a year

it's not hard to have one of those trucks on a shit salary, you will just be spending your entire salary like a retard

>> No.15482376

>>15482358
Or but some cruzbit

>> No.15482386

>>15482358
I ask myself this question every day. My best guess is all my other wagies are probably living paycheck to paycheck and up to their eyeballs in debt.

>> No.15482387

>>15482358
why would you ever buy a $50k truck

>> No.15482429

>>15482358

not to even mention the insurance cost difference. Wouldn't be uncommon to see 350 to 400 a month for one of these things for someone with shit credit

>> No.15482454

They finance.

75% of the cars on the road are still being paid off by their owners.

I would bet that 50% to 60% of all automobile value in the USA is owed to a lender.

>> No.15482462

>>15482365
This honestly

>> No.15482471

>>15482358
Broker freight and money fuck prostitute

>> No.15482472

They don't spend their money on dumb shit like trap porn, Monster energy drinks, Starbucks, and drugs like you.

>> No.15482483

>>15482387
Some of us need them to, ya know, haul goods or our boats or bikes.

Enjoy your Corolla.

>> No.15482529

>>15482358

I am honestly still admiring US prices, when it comes to cars and fuel. I am European, have lived in the US for 10 years, and went back to Europe after.
I LOVE US CARS and I don't care that they eat more gas.
But what I don't get is this: I could have bought a BMW or Mercedes there cheaper than in Germany. How the fuck does that work?

>> No.15482543

>>15482529
Euro cars in the US are shit when it comes to reliability.

>> No.15482549

I know there is a production plant for BMW in South Carolina... but still. .. How are the cars there soooo much cheaper

>> No.15482556

>>15482358
normies dont think about the price, they only see monthly payments. Make those cheap enough somehow and you can sell some stupid faggot anything

>> No.15482559

>>15482543

I'm not even talking about preferences or reliability... just the mere fact of new car prices. It's insane

>> No.15482563

>>15482529
Truck drivers would honestly rather drive a loaded F-150 than any sort of Mercedes or BMW. I actually asked this question before. They would rather have a truck than a really nice luxury car.

>> No.15482588

They work hard

I know a wagie with a f150 platinum ram longhorn and f350 2019 just from being a illegal landscaper kek

>> No.15482605

>>15482563

I know, but that wasn't my question. My question was this: How come a certain model Mercedes costs 108.000 Euros in Germany to buy new, and only 70.000 US dollars in California? HOW THE FUCK DOES THAT WORK?

>> No.15482654

>>15482605
- Because a lot more cars are being sold in the US, so the manufacturer can give a discounted price
- because they have to compete
- because different tax structure

>> No.15482655

>>15482605
You must realize in contrast the opposite too: A nice new truck in the US is lets say 40k dollars? Now try buying that same truck in Germany... you will pay double.

>> No.15482659

>>15482358
>How do so many wagies afford to drive vehicles like this?
debt

>> No.15482664

>>15482654

Yes, that's what I thought, but that's not it. Not taxes, not toll, see my post before

>> No.15482667

>>15482605
Supply and demand?

>> No.15482711

Look, I am also a Harley Davidson rider and fan. Check this out. 2 years ago, I bought the last model FXDB Street Bob, before it became another soft tail.
I pais 17k euros and customised it eve since ... but dear Americans, you damn well know you could have bought that bike in the US much cheaper.
That is what flashes me.... everything is just so fucking more expensive in Europe. Is it only taxes? I can't imagine

>> No.15482726

Somethings not right

>> No.15482766

financing dude

tons of stupid car debt in this country

>> No.15482776
File: 19 KB, 220x220, jew_basic.jpg [View same] [iqdb] [saucenao] [google]
15482776

>>15482454

>> No.15482781

I will tell you what I think... we Europeans are harmful to ourselves. We are still shellshocked from world war 2, we may never be proud again and all that... and that leads to a whole bunch of other things... like exporting cars too cheap, while at the same time selling them too expensive here ... because hey, we have refugees to support. I am fed up and sick of it. No-one understands the price differences.

>> No.15482829

another good example is Jeep. If a Jeep Wrangler, standard, cheapest model, small engine, cost as much as here in Europe, in America, NOONE WOULD BUY IT

>> No.15482834

>>15482563
I’ve never owned or driven a truck before in my life. Then i wrecked my car and got a rental and the only one they had left was a 2019 Dodge Ram f1500. The hertz guy rolls it out blaring the siriusxm rap station and it has texas tags and stickers. I climb up into the thing and suddenly I feel like the king of the road with a V8 hemi at my disposal towering over every other NPC on the road. I can see now why truck drivers act like dicks on the road.

>> No.15482840

>>15482711
Over here Harley Davidson is in crisis mode because no one under the age of 50 wants one. I mean why would I when I can get a Honda for half the cost and twice the speed and power.

>> No.15482847

So please, tel me, what is going on? are we just the ducks of everything? And Americans can buy cars for pocket money? What is going on? I need an explanation, or EU prices going down fucking severely

>> No.15482856

>>15482840

Whatever... different discussion.

>> No.15482870

>>15482358
DEBT

>> No.15482890

>>15482840

If you don not enjoy the comfortable style and sound and fucking shadiness of a Harley, please riding some Japanese bike wit the minorities we can watch on youtube.... That was not meant to be the subject here. U started it, so 1) do not complain 2) shut up) 3) be humble

>> No.15482900

>>15482387
It's the same reason people buy Teslas: dickwaving.

The cargo area of these trucks are too small for holding goods because of the extra row of cramped passenger seats. (Why do you need extra passenger seats for a work utility vehicle?) The truck is neither useful for goods transport nor as a passenger vehicle. That makes the truck most useful for hauling, but how often would you be hauling? Most of the time the extra horsepower is wasted for nothing.

>> No.15482910

>>15482429

I pay $70 a month for full coverage on a $40,000 truck.

>> No.15482915

>>15482910
bull shit

>> No.15482919

>>15482847
Freedom, maybe you should try it some time, yurro.

>> No.15482939

The real reason is this: Germany was to be so human, and friendly, and open, and against their own polulation, and high tax, and social, that this is is exactly what happened. A car that gets built next to my own house costs me more than if I bought it after it has been shipped overseas.
Nuke us please, and make it right

>> No.15482977

In the end we are all just dust and bones, and that's alright

>> No.15483018

https://www.youtube.com/watch?v=OorZcOzNcgE

>> No.15483239

>>15482559
You pay less upfront because they can overcharge you for repair parts a year or two after you buy it. The low sticker price for the car itself is a trick to entice you into a very expensive commitment.

>> No.15483358

>>15483239

Friend, I pay EVERTHING IN FULL UPFRONT get it? The price difference remains

>> No.15483359

>>15482358
They lease and/or live paycheck to paycheck in order to seem wealthy

>> No.15483369

Less upfront XDD I am a customer that goes and buys a car you know, no upfront, no rates, no lease, no bullshit. I know that is rare these days

>> No.15483374

>>15482588
>f150 platinum ram longhorn
Your skin is brown, isn’t it?

>> No.15483736

>>15482605
My buddy told me TAXES

>> No.15483779

>>15483359
Yep. These people usually have a negative net worth and no hope of ever retiring.

>> No.15483794
File: 72 KB, 780x438, 161223114316-04-la-meals-6-exlarge-169.jpg [View same] [iqdb] [saucenao] [google]
15483794

>>15483779
>i drove my 2002 ford ranger for 300,000 miles, anon
>because of my financial wisdom, i can now stay at home and enjoy this delicious meal with a positive net worth
>Now shush, I am trying to listen to Dave Ramsey

>> No.15483810

>>15482483
You can do this with a truck literally 1/10 the price
I don't see the point of spending 50k on a truck over 7k on a truck and 25k on a very nice sedan DD and the rest into other (non aut/o/) shit
Insurance is literally the same
Is there something I'm missing?

>> No.15483814

>>15482358
Imagine dumping your extra cash into a depreciating asset

>> No.15483818

>>15482358
They get a loan on it, like everything else. Then years later they complain about being in debt.

>> No.15483823
File: 164 KB, 1280x786, BAW_Qishi_China_2017-03-28.jpg [View same] [iqdb] [saucenao] [google]
15483823

Keep in mind that they sell a metric SHIT TONNE of F150s in America.

Ford doesn't even sell cars in the USA anymore aside from the Mustang, they've got all in on the SUV/Truck market.

When you specialize in such a way, you can reduce costs but if the market ever tuned away from large vehicles towards smaller cars again, you'd be completely fucked.

Say, if oil went to $200 per barrel or there was a massive downturn in the economy, all the dudebros driving around in fully optioned Ford Raptors would be suddenly crying poor and will have to downsize.

As for German cars, the reliability on them is dog shit. They are made to last the duration of the lease, and after that they quickly deteriorate.

TL;DR: Cars and trucks are a moneypit, buy a used 5 year old car instead, don't finance something you can't afford to buy outright. Service your car every 5,000 to 7,000 miles.

>> No.15483846

>>15483823
>buy a used 5 year old car outright
>implyinging that a 5 year old used car that is highway capable isn't at least 10,000 USD in most of the US

>> No.15483848

Financing for 84 months. This is why auto loan debt is totaling over a trillion bucks.

>> No.15483861

Because cars are the primary status symbol in the US.
It is a bit in Europe too but nowhere near close.
Americans are golemic retards for them and they take advantage of this abundance mindset to keep them indebted.
Europeans tend to save their money more and so buy more economical vehicles.

>> No.15483864

Americans love to give all their money to the jews.

>> No.15483866

>>15483823
>When you specialize in such a way, you can reduce costs but if the market ever tuned away from large vehicles towards smaller cars again, you'd be completely fucked.
Hyundai/Kia sees this coming and are sticking with cars in the US. Why do you think they are going balls to the wall with their new cars now?

>> No.15483869
File: 190 KB, 1500x844, Sixty-and-Me_What-is-Being-60-Years-Old-Like-in-2-Words.jpg [View same] [iqdb] [saucenao] [google]
15483869

>>15483846

REV UP YOUR ENGINES!

https://www.ebay.com/sch/6001/i.html?_fsrp=1&_nkw=2014+Toyota+Camry&_sacat=6001&_from=R40&rt=nc&LH_Sold=1

>> No.15483895

>>15483861

Once upon a time, simply having a car with a Mercedes or BMW badge was a big thing due to the higher import tariffs you had to pay.

Now, not so much. I was near JFK airport in NYC on a holiday and every second nigger was driving around in a used luxury car.

I think having a house or a boat is much more of a status symbol today.

>> No.15483911

>>15483869
>100,000 miles corpses with the tranny about to fall out
>$8,000 starting

You're only making my point anon. You buy cars like this, you're going to be living out of the repair shop.

>> No.15483927

>>15482358
Lease u fag.

>> No.15483949

>>15483911

You don't need to buy cars with 100,000 miles on them. The point is to buy something low mileage that has already taken the depreciation hit.

For example: I bought a used 2004 Ford Falcon in 2015 with 130,000KM on it for $3500 cash. New it was a $52,000 car.

I put 60,000KM on it over 4 years, did the maintenance myself and sold it for $3400 this year.

You have to know what you're buying and the reputation of reliability for that specific model. And you have to know what is likely to go wrong so you can fix it before it becomes a problem.

If you're a yank, you can buy something similar with the Crown Victoria from the 00s.

>> No.15484024

>>15482529
surplus market?? us market >> germany??

>> No.15484029

>>15483949
kek at the Yank
I'm driving my '02 Passat 5-spd 127k and do my own maintenance of course. Bought for 1200 4 years ago.

>> No.15484034

>>15482386
I assume this too.

Most of the guys I know with real money are quite frugal.

>> No.15484062

>>15484034
So the same style as poor indebted people with none of the fun.

>> No.15484071

Where do these idiots work? lmao

>> No.15484086

>>15482429
>Paying every month
>Not buying a used car in pefect working condition with a pucked door, for the price of a peanut bag
Normie!

>> No.15484094
File: 203 KB, 349x491, 1562304312308.png [View same] [iqdb] [saucenao] [google]
15484094

>>15482358

Leasing. And they wagies who care for their finances have to listen to their cry on Job hours.
Im seriously tired of y'all wagies who gets paid like shit and in addition to this loaning a huge ass car which not only costs you maintenance gas and etc but brings you not an actual benefit.
Pls just Die and dont cry me a river loanies

>> No.15484109

>>15482358
retards like to show off while living on debt 100%

>> No.15484120

>>15482549
euro taxes and companies charge euros more for the exact same product because "things cost more in europe@. i was told that last bit when i was a product manager and we were setting prices for our products the next year. cheapest prices were for the US. highest prices were for the scandinavian country i live in and work in and where the products are made. that shit pissed me off. just check prices for dewalr tools. us has 20 volt euro has 18 volt. exact same product, exact same power, batteries and tools intercjangeable. they are EXACTLY the same except for the stickers and power branding. euro tools cost 2-4x the price that burgers pay. pisses me the fuck off. hate it here

>> No.15484122

>>15483911
Japanese 4 cylinder cars have no problem going past 200k without needing anything major, aside from maybe a timing belt or chain at any point in that 200k

>> No.15484123

The driving license alone is a complete rip-off in Europe

>> No.15484136

>>15482483
the absolute cope

>> No.15484138
File: 16 KB, 633x758, 318271da980706f7a18a811c3456a77d.png [View same] [iqdb] [saucenao] [google]
15484138

>>15484123

This.

I actually paid like 1500€ for the license and its including driving hours. FUCK YOU MERKEL I HOPE YOU DIE CUZ OF THAT SHAKING OF YOURS

>> No.15484149

>>15482900
>It's the same reason people buy Teslas: dickwaving
no anon. at least not on norway. we buy more teslas than anywhere on earth because they are NOT TAXED making them cheap relative to other cars that we get tax raped on. also, if you want an EV nothing on the market compared teslas for distance and comfort. it is nice to be able to use the heater in the ass cold winter and not have that require you to roadside charge on your daily commute. all other electric cars are shitty toys in comparison - reason why i'd buy one if ilived inthe US and wanted an EV. teslas are not dick waiving cars. why would they be?

>> No.15484157

>>15482358
ALGO staking. Easy. Not even luck. Just common sense.

>> No.15484159

>>15482358
>I never throw 50k to buy a useless piece of truck
based
your frens bought it with a fucking loan, they are basically going to work to pay their truck

>> No.15484194

>>15483810
American large luxury barges never went away, they became trucks.

>> No.15484195

>>15484149
they are
anything else than improving public transportation and discouraging owning a private vehicle is going to pollute, the rest is just dick waiving and tax avoidance

>> No.15484198

>>15482386
Ding ding ding

>> No.15484691

>>15482529
Most foreign cars aren't actually made overseas. We build them in American factories with US labor and parts that are considerably cheaper than Europe.

>> No.15485002

>>15482358
go buy PLG and you can afford any vehicle in a year or two

>> No.15485035

>>15484195
dreaming of the public nolonger owning cars is just that... a dream. if a car is going to be built there is nothing wrong withgoing for an electric car over a diesel or gas fueled. winter air pollution along roads is terrible due to the cold air trapping air pollution along roads - air wuality is physically dangerous in the winter. not a problem with electric cars. show me an electric car that can match a tesla for range

>> No.15485041

>>15482365
>>15482471
What do you mean by this

>> No.15485064

>>15482605
Burgers are poorer, that's just it.

>> No.15485075

>>15482711
It really is just taxes, dude. All that shit's going to your free healthcare and the neetbucks and all the rest of it.

>> No.15485087

>>15482472
>>15482483
seething leasefag succy succy my cocc and ballz please

>> No.15485333

>>15485035
the fact that it doesn’t pollute in norway doesn’t mean it doesn’t pollute in Africa/China/US
Cobalt/Litium extraction, battery manufacturing and battery recycling are already very polluting
You just move the problem from point a to point b

>> No.15485367
File: 56 KB, 512x512, 65293146_2295512157431762_1179344363313045326_n.jpg [View same] [iqdb] [saucenao] [google]
15485367

>>15485035

Okay Mr.Hippiefag. How about that. What if you were to use the A/C on your electric car because its cold? How long do you think will your electric car go?? 5 Minutes? or Maximum 20 Minutes on full heating your front glass???

Lmao. Fucking E-Car fanatics. You have to get shot.
KYSelves

>> No.15485369

>>15482454

>literally renting your car til you pay $60,000+interest

ISHYGDDT

>> No.15485469

>>15482454
Calling bullshit
>>15482543
They're shit everywhere
>>15482664
Show us
>>15482781
Show us the price breakdown

>> No.15485493

>>15484149
How much range is killed by the cold?

>> No.15485552

>>15482358
Whenever I see one of these things without a construction logo on it or farm plates I automatically think less of the person driving it.

>> No.15485614

>>15482655
That's not the opposite, that's the same.

>> No.15485622

>>15482365
But I still can't build muscle.

>> No.15485660

>>15483810
>missing something?
Yeah, status signalling and high time preference.

Normies are scum.

>> No.15485715

>>15484138
Some people pay much more if they fail the exam once or twice.
Also an extensive training period is not bad at all imo. Just visit any country that isn't german speaking, scandinavian or bitish and you see people driving like absolute maniacs, hitting other vehicles when parallel parking etc.
There are not many complicated roads or junctions in the usa so they kinda get away with easy driving tests but in europe you have to be much more alert and if the testing system forces some absolute morons to pay more and hopefully learn more before they are allowed to drive alone that's absolutely positive.

>> No.15485729

>>15482358
Big fat juicy fucking loans.
They should hand out 1lb cheeseburgers while they process the loan application
Actually, is this a thing already? It should be a thing, I think it'd be great

>> No.15485740

Trucks like that are almost always speeding and riding your ass or doing illegal ass shit to pass on your left.

>> No.15485747

>>15482472
Which is funny because 90 percent of F150s on the road have a monster energy sticker on their back windshield

>> No.15485776

>>15485552
Funny, I feel the same way about sedans with only a single occupant.

>> No.15485791

>>15482358
With $50k I could eat like a king my whole life. Fuck boomer values.

>> No.15485822

>>15485791
9.3 years if you managed to average $5 per meal.

>> No.15485838

>>15485822
I am sorry:
With $50k added to my net worth I could eat like a king my whole life. Fuck boomer values.

>> No.15485851

>s560 4matic DE price: €113960
>s560 4matic USA price $102900
>Eur-usd: 1.10

>>15485838
Average income for s class is north of 300k/year. You are timid and have small dreams.