just talked to someone at the credit union... they sold the green GTI, but not for very much. my residual balance on the loan is over twenty thousand dollars.
i'm either going to be paying $500/mo for nothing for the next four years, or i'll get a fat stock deal and pay the whole thing off at once.
i don't even know what to think of that, but there is a silver lining; he's going to try and get my interest rate reduced to 5.5%, which over four years means a lot of money.
david, the guy i spoke to, doesn't know i have another car, and i guess he still wants me to get back in a loan, because told me that if i can demonstrate income of $90k/yr (which isn't too outlandish combining my current incomes from mercanti and SFGC), i can get a car loan for a maximum value of $35k. subtracting the 20k balance from that and estimating a couple thousand for tax, that means i could get back into a loan for a vehicle with a maximum value of $12k, if i were so inclined.
i guess it's good to know a repo doesn't totally kill my credit and that i still have some options. i doubt i'll be getting back into a loan either way; if the stock deal doesn't come through i'd rather concentrate my available resources on getting rid of the unsecured debt, and if it does i won't need a loan in the first place. however, if i do feel like it, a '97 prelude seems like it would fit the bill price- and compatibility-wise. yeah. a honda. fuck off.
other good news as well, things are looking brighter for mercanti, and these ongoing pay cuts might end soon, along with a bonus to make up for the past half-year.
i called and tried to make an appointment for the ticket in los banos this morning; no dice, i have to physically appear there for a walk-in, at 8:00 in the morning. los banos is 2 hours from san jose. blah.
i left my weed at home this morning and am now heartily regretting that. i wonder if it's worth the extra 1.5 hours it'll take to go pick it up...
i just heard back from a guy in west oakland who has a 3-room basement apartment for rent- gonna call him tomorrow and see what's up with it; who knows. we'll see what happens, i guess... the next month is going to be fucking crazy, but i guess i should be used to that by now.