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Julio Montoya

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  • Am I being realistic with my monthly payments on an auto loan?

    I'm looking to purchase a certified pre-owned 2013 Toyota Corolla. The one I have been eyeing is an LE trim and has 24,149 miles. Is listed at $15,988. I have family members telling me that I should not put a hefty down-payment on a car to save money, so I have $1,300 (as of today) put away for this. Am I being realistic if I want to get monthly payments under $300/month? Or am I living in some sort of fairytale world.? I have pretty decent credit, in the 680-720 range. Thank you! Oh and I'm 21 years old in Southern California, if that makes a difference.

    4 AnswersBuying & Selling8 years ago
  • Weight-lifting for beginners?

    So I've recently taken an interest in good health and want to get in top physical shape. Only problem is I'm weak and scrawny! I've been eating a healthy diet everyday for the past year and probably take in over 3000 calories a day. I'm 20 years old, 5'6, and 119lbs. I usually start off by stretching but once it comes down to actual weight lifting I get so weak and it gets discouraging. I even try to do bench presses but I can barely lift 5 pound weight on each size, plus the bar itself is 45 punds. Is there anything I can do to start off making me stringer and give me more energy? Any help is appreciated.

    2 AnswersDiet & Fitness9 years ago
  • Gay men, why hasn't he texted me back?

    Okay so this will probably be a very childish, silly question to ask but I just thought I would get others opinion from the gay community which I know very little about. I'm 20 year old gay male and have been talking to this guy that I was pretty interested in. We met online and chatted for a bit then made plans to meet up. I went over to his house and we sat outside and talked, mind you, I am a very shy and socially awkward, especially when meeting new people. On top of that, I had a nervous feeling in my stomach when I finally saw him. He was very cute, and I began to think maybe he just wanted to meet for a hook up, so I asked him what his intentions were and he said friends for now but maybe it could blossom into something more. I felt kind of good about that. He enjoys smoking pot and partying which I am really not into the party scene but never cancelled the idea out. So we sat and smoked and chatted and he was really sweet, after that night I texted him the next day to see how he was, we texted only a bit, then he stopped. It was really bugging me so I asked him if he think we'd ever meet up again, and he said sure why not? So we made plans to go out the next weekend and see a movie. So then comes the weekend, and I was waiting for a reply but nothing. So I then texted him and he said he was going to have to cancel that night. I was a little upset but shrugged it off. The next day I had a text from him asking if I still wanted to go see a movie? Of course I said yes. So we went and when we were together he just seemed really interested in me and would say the nicest things that no one really says to me. He even asked if I would date him but "hypothetically". I told him I'm not too sure how to be a boyfriend since I've never been in a serious relationship before. And he told me the 'ground rules'. So we kissed a lot and it was just a nice time and I really ejoyed his company. I texted him about a week later and he never replied, to this day? What's wrong??