Lol...you put illegal off road headlight bulbs in your beater? Figures. You probably shine your high beams on people with nice cars and trucks.
why are they illegal? link?
Lol look at your own link. Headlight brightness is regulated. They are too bright in the eyes of oncoming traffic. Specifically says off road use only.
search for toyota : 2000 : camry : front exterior and the ones I bought are listed.
Just because they fit doesn't make them legal. It said right there in black and white "for off road use only".
so for all you kids out there thinking, "hmmm, this seems like a strange way to run a business?" well you're right. Exhibit A as to why you shouldn't try to be an entrepreneur with a theology degree from Liberty University. If you have these type of cash flow issues, the last thing you should be doing is blowing 50 large on a capital investment that depreciates faster than a 3rd world currency.
bul . they are spec'd at 1200 and 1300 lumens, which is not excessive for low, hi beam
here's a discussion of headlights with 2000+ lumens
https://en.wikipedia.org/wiki/Headlamp#Low_beam
Lol. $650,000 in receivables for the month with zero outstanding accounts payable is hardly a bad business model.
Headlight bulbs are either DOT approved or they aren't.
see the lumens here, on apparently DOT approved LED bulbs
http://www.streetglow.com/Catalog/Headlight-Bulbs
Your business model may be great, perfect even. But it also has zero relevance on your decision to drop $50k in cash on a capital expenditure when you just needed a $100k emergency bank loan to cover expenses. That's just stupid, especially on something like a truck where a bank will loan you the money basically for free. You do realize, as a small business owner, that credit markets can freeze up, right? And you're the first guy frozen out? If you needed that $100k emergency loan to cover your outlays in 2008 you would have been wiped out. If you had $50k in cash on the other hand... much less risky position.
If you need a financial adviser PM me, I know some good ones.
Lol. Who the are you to judge me? Zero debt and $650,000 in solid receivables for the month because of completed work you have already paid for is freaking rock solid. You are an idiot. Btw, how is YOUR company doing, big mouth?
You seem to be so determined to attack me it has affected your reading comprehension. I borrowed 100k for a week until a 300k check came in. For that loan I paid about $150 in interest. I would have paid that much interest in the first month of a 50k truck payment. You might want to study how amortization works. Interest is front loaded in the loan.
You are such an ass. Yes I hire Mexicans. Blacks too. Are you prejudiced against minorities? And yeah, I pay 100% of health care for my employees and their families. It was not an "emergency" loan. It was a loan in order to take 2% prompt payment discounts from my vendors instead of running them 45 days. It all good and as usual you are just showing what a stupid ass you are.
100% health care, not insurance? No employee contribution? Wow, that's unheard of. Are you running a charity?
Yeah, it figures an ass like you would think paying for their health insurance is "unheard of". Is what it is.
To clarify before you start nit picking words I pay 100% of insurance premiums. They are still responsible for co pays and deductibles.
Except you didn't say insurance, you said care. Your lack of attention to detail is probaby why you needed an emergency $100k loan which could have wiped you out in a Bush economy.
off idiot. Your misrepresentation of facts to try to reinforce your baseless attack is not worth responding to anymore.
Your misunderstanding of basic finance is a threat to your family and employees. Next time you take a major financial decision, consult someone who took ECO 101 instead of depending on the credit market to be there to loan you $100k in an emergency when instead you could have half of that on hand or liquid (pm me if you need an explanation of a liquid asset, a truck to compensate for your tiny doesn't quite qualify)
Lol. Stupid loser trying to convince me I should finance a 50,000 truck when the interest in the first months payment would have been three times the interest I paid on a (very unusual) one week bridge loan. This week I have $300,000 in the bank, another 300,000 in current receivables and still no debt. Tell me again how stupid I am.
Last edited by CosmicCowboy; 11-09-2015 at 11:38 PM.
Pretty stupid if you recently needed a same-day $100k emergency loan that could have bankrupted your company if denied, and then paid $50k cash for a new truck a few days later. I mean, are you really defending that? Just admit you could have made better decisions, it's no front to your manhood. You made a mistake, big deal.
Lol I think you are the one making the mistake, blowhard.
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