I call bullshit!
This guy is a dumbass who's intelligence at this point is being based upon his posts. He probably lives in his mommy and daddy's basement and doesn't have 5K in his account to put down if he wanted to. But, let's say for a second that he could...first of all, even someone with absolutely perfect credit couldn't roll $12,000 into a lease on a Rubi. Max advance on a traditional lease is 125%. Let's say his $4,000 discount is applied and his sales price is $38,000 + tag costs, approriated fees and taxes on the fees and first payment... $47,500 would be the absolute money he could lease. HOWEVER, accessories are not residualized in a lease. Meaning, he would have a base payment of $600 (approximately, based on credit worthiness and current residuals and money factor based on the manufacturer incentives.) According to this asshole he is being alloted $12,000 financeable budget. $12,000/2yr is another $500 per month. He's now up to $1,100 monthly payment, again, if this were even possible. $5,000 down, if he had it, would only be applied toward the $12,000 financeable budget as this is what the bank likes the least. This leaves $7,000 of non-residualized costs rolled into his lease. $291.67 would be stacked on to his $600 base payment. Then, you have tax on the payment, because in a lease you only pay taxes on what you use, therefore there is a sales tax per payment. Sales tax here in FL is 7% so I will use this... grand total payment of $954.09.
However, I could be way off...I'm just a fucking idiot like the rest of these guys...who also happens to be a Finance and Insurance Manager!
As far as this motherfucker's moral compass goes, he obviously doen't have one so he's probably a democrat...which if you watch the news...don't get targeted by the IRS, so he's probably in the clear there. As funny as it would be to see some IRS agents send a task force to pull this sorry son of a bitch out of his parents basement for tax fraud...probably won't happen.
Go crawl back to the shit hole you arose from and give your wife our condolences. No one should have to live with that much stupidity. Be careful to what you say to people on this forum, if you manage to pull your pathetic ass onto a trail, it will probably be someone on this forum that will have the decency to pull you out of whatever situation you got yourself stuck in/on. For now, there is no hope for you my friend. By the way, if you ever do find yourself making a modest salary, keep it modest. Money doesn't buy class, not that a hundred grand would buy you much of that anyway...
:asshat: