Edmunds Members - Cars and Conversations (Archived)

driver100

iluvmysephia1"> We're talking payments of a titch under $300 a month, driver.

Go back to the post above where I detail it all out.

OK, looking at the numbers again iluv:

isell - my Kia should bring $3,500 or so. I won't go below $3,500...ehh...maybe a couple hundred lower, but that's about it. I am comfortable with the loan numbers with $3,500 tacked on to the car's price of $14,496. The total out the door price would be $17,996 since Montana has no sales tax. $17,996 divided by 60 payments = $299.93. The Soul's payment is $256.03 a month. So you guys can see what I'm looking at here. I'm down wid it totally. We owe $7,101.37 on the Soul still.

Well, as has been said, you won't get 0% financing on the $3500. Like isell said, I don't even know if they would sell you the car with that outstanding balance.

OTOH, a $299 a month payment to drive a new car and pay it off isn't unreasonable. It is very risky, but doable in my opinion. Personally, I'd like to see the Soul paid down more, probation over, wife on side.......but, not as crazy as it sounds......except payment will be well over $300 a month.

driver100

stickguy said:

this whole discussion reminds me of another one of my rules of thumb. the rule of 5. Which is, you should never owe money on a car for more than a combined 5 years (age + years). so a new car, can borrow for 5. 2 years old, 3 year loan max. and 5 YO, no loan. Follow this, and you pretty much can't get in over your head, and should never be well underwater.

Good rule!

andres3

abacomike said:

@iluvmysephia1

I was trying to be helpful and honest based on my CAR SELLING AND FINANCING experience, not my car “buying” experience.  No need to rake me over the coals - that was uncalled for.

And I don’t buy new cars every 4 months - once a year, perhaps, but not every change of season. 

So was that 2 purchases in 2017? A year with an asterisk right?

tbirdmarco

@iluvmysephia1 love the color Red and blew is my secand one that I like a lot!

andres3

Marcothecarguy1986 said:

and don't trust CR or any of those other car rating mags out there! take every thing they say with an big big grane of solt on every thing they rate not just cars! just my two sence! every car brand has it problems get what you like and can afford no have said this on other bords!

Fair enough, but don't expect a shoulder to cry on when if things go south!

You'll only get "I told you so's" here.

dino001

Marcothecarguy1986 said:

and don't trust CR or any of those other car rating mags out there! take every thing they say with an big big grane of solt on every thing they rate not just cars! just my two sence! every car brand has it problems get what you like and can afford no have said this on other bords!

Man, if you are trying to get worst speller award, you have my vote i have to read it aloud to actually understand what’s saying... Are you using some dictation unit?

explorerx4

Like Iluv, I have the new car fever, but work is sucking the life out of me.
To try a car related analogy, we have a client with 50 cars and 48 won't start. Another client has 30 of their 50 that won't start too.
I'm tasked with finding out why, although someone else will do the actual fix.
Next level up management tells me to drop what I am working on to figure out why another client has a floor mat out of line.
They promised all perfect mat placement without telling anyone.
I had fixed previously reported the driver's mat issue, but now I need to fix the placement of some other not specified mat, so it's my fault for not checking them all.
My boss, who had the day off even called on my personal phone to make sure I was ok, as we both felt I was being beat up for things that I had originally nothing to do with.
Sorry for the rant.

tjc78

Anyone do office pranks?  

We have a guy at work who is always doing something to someone.  Messing with your chair, putting a dot under your mouse so it doesn’t work, etc etc

Well he is on vacation this week so we took the liberty of papering his cube with lavender paper, wrapping hot pink feather boas on his chair and putting fake flowers and red roses all over.  We also draped pink tulle from the ceiling.  It’s a sight.   Our VP saw it and absolutely cracked up.  She said good, he got her last week apparently.  

Immature I know, but a bunch of us got involved and in some sick way I considered it a “team building exercise” 

iluvmysephia1

driver100 - the payment may come out to $315. And I could live with that. Easily. Nothing in my plan is out of touch with reality. I will just point my 2011 Kia Soul west on I-90 and come home if they don't play nicely. Not playing nicely would be charging 9% or 10% interest on the loan. I have a great FICO score, Mrs. iluv will NEVER be on board with this pup. Never.

And I am waiting until I pass my Hospital's 90-day probationary period before I drive east 500+
miles to go deal for this 2017 Toyota Yaris iA 6-speed Pulse automobile. I fully am on board that I need to wait for the 90-day probation period to end.

Now let's rock, gentlemen. The only thing left to research on my quest to get this car is when Toyota will launch their end-of-the-year 2017 clearance stipulations. I would think that they would pull out the stops on this.

tbirdmarco

@tjc78 I love to play pranks at work we call it around my offace good trouble is what I tell everyone me and quite an few others!

tbirdmarco

@explorerx4 what type of work do you do? never asked you! man o man hope things do com down an bit for you!

tbirdmarco

@andres3 will be nun of that around hear from me! don't worry! same for you and everyone elce hear to! lollollol

tbirdmarco

@dino001 yes no spelling sucks! but don't worry no efence taken I am cool type of person! and yes do use an screan reader to use my computer and to type using the computer on hear! cant get the edmans app to work on my phone! I am visually inpared! don't drive but like menny in hear do no love my cars!

tbirdmarco

@dino001 my phone that I do use is an I phone have the voice over to use that one and the super larg print nd that one has the voice dictation but have to talk super slow! thank got for teck helps me out big time! 20 years ago would have bin in trouble! and I have an car an 1961 Thunderbird that I have had for over 2 years and the car that my sister does drive is mine to the 2017 Jeep Patrate!

abacomike

andres3 said:

@iluvmysephia1

I was trying to be helpful and honest based on my CAR SELLING AND FINANCING experience, not my car “buying” experience.  No need to rake me over the coals - that was uncalled for.

And I don’t buy new cars every 4 months - once a year, perhaps, but not every change of season. 

So was that 2 purchases in 2017? A year with an asterisk right?

Nope - just one - 2018 S450.  Just one in 2016 - 2017 740i.  Just one in 2015 - 2016 CLS 400.  Any other comments Andres?

thebean

tjc78 said:

Anyone do office pranks?  

We have a guy at work who is always doing something to someone.  Messing with your chair, putting a dot under your mouse so it doesn’t work, etc etc

Well he is on vacation this week so we took the liberty of papering his cube with lavender paper, wrapping hot pink feather boas on his chair and putting fake flowers and red roses all over.  We also draped pink tulle from the ceiling.  It’s a sight.   Our VP saw it and absolutely cracked up.  She said good, he got her last week apparently.  

Immature I know, but a bunch of us got involved and in some sick way I considered it a “team building exercise” 

That's pretty inventive. Around my office, we just put laxative in someone's coffee when they tried to pull a prank.

andres3

abacomike said:

andres3 said:

abacomike said:

@iluvmysephia1

I was trying to be helpful and honest based on my CAR SELLING AND FINANCING experience, not my car “buying” experience.  No need to rake me over the coals - that was uncalled for.

And I don’t buy new cars every 4 months - once a year, perhaps, but not every change of season. 

So was that 2 purchases in 2017? A year with an asterisk right?

Nope - just one - 2018 S450.  Just one in 2016 - 2017 740i.  Just one in 2015 - 2016 CLS 400.  Any other comments Andres?

hmmm, I guess time flies when you get older! Didn't seem you had the BMW that long.

tbirdmarco

@thebean lollollolllollol

stickguy

I work from home, and playing pranks on my assistant (the dog) really doesn't work.

houdini1

venture said:

driver100 said:

Especially the grill

How about this grill?

At least the radiator is not plainly visible.

iluvmysephia1

ZZ Top car.

houdini1

Dino, in case Marco wasn't clear, he uses one of those speech to writing translation units that blind people use. The unit does a pretty good job but it is not perfect.

That is a much better excuse than the "Canadian spelling" excuse that driver uses!!

driver100

Marcothecarguy1986 said:

@dino001 my phone that I do use is an I phone have the voice over to use that one and the super larg print nd that one has the voice dictation but have to talk super slow! thank got for teck helps me out big time! 20 years ago would have bin in trouble! and I have an car an 1961 Thunderbird that I have had for over 2 years and the car that my sister does drive is mine to the 2017 Jeep Patrate!

Marco...you are an inspiration and I love your spirit and knowledge as well as enthusiasm for cars. A 61 T-Bird is one of my dream cars. I love having you with us. I admire people who stay positive.

We have two friends who are in wheel chairs. Nothing stops them....they meet us for dinners, they drive and fly back and forth from Florida to Ontario, he has done volunteer work in Africa and other countries. They maintain 3 homes. He has been in a wheelchair since a child, became a successful insurance adviser, she has been in a wheelchair when an operation went wrong when she was in university...she became a doctor. They adopted two kids and raised them. And, some people say I can't find a job, or life doesn't give me a break, so why even try......these people did it with so much to overcome.

driver100

Explorer. I was canned from my main job, which was a job I loved, lots of freedom and friendly atmosphere + expense account, company car etc. I went to work right away for a customer. The first day was awful, punch a clock at 8 a.m., run out and buy food from the garbage food truck, have lunch when a bell rings.

I came home on the first day and I was ready to end it all....I was exhausted and depressed.

My father always came out with some very wise words that I relied on many times in my life. He said,

"If your job was that enjoyable, they wouldn't bother to pay you" Those words got me through many times.

abacomike

andres3 said:

andres3 said:

@iluvmysephia1

I was trying to be helpful and honest based on my CAR SELLING AND FINANCING experience, not my car “buying” experience.  No need to rake me over the coals - that was uncalled for.

And I don’t buy new cars every 4 months - once a year, perhaps, but not every change of season. 

So was that 2 purchases in 2017? A year with an asterisk right?

Nope - just one - 2018 S450.  Just one in 2016 - 2017 740i.  Just one in 2015 - 2016 CLS 400.  Any other comments Andres?

hmmm, I guess time flies when you get older! Didn't seem you had the BMW that long.

12 months

ab348

abacomike said:

andres3 said:

abacomike said:

andres3 said:

abacomike said:

@iluvmysephia1

I was trying to be helpful and honest based on my CAR SELLING AND FINANCING experience, not my car “buying” experience.  No need to rake me over the coals - that was uncalled for.

And I don’t buy new cars every 4 months - once a year, perhaps, but not every change of season. 

So was that 2 purchases in 2017? A year with an asterisk right?

Nope - just one - 2018 S450.  Just one in 2016 - 2017 740i.  Just one in 2015 - 2016 CLS 400.  Any other comments Andres?

hmmm, I guess time flies when you get older! Didn't seem you had the BMW that long.

12 months

Including an oil change IIRC. That was big news.

iluvmysephia1

abacomike, man.. don't feel like you have ta justify your purchases. I consider you an online friend. I mean that from the bottom of my heart. Sometimes we say things that anger people that we didn't really mean to say. It's none of my business how often you trade in your cars, nor is it anyone else's business. I'm just glad that you love cars so much and that you enjoy them.

imidazol97

abacomike said:

12 months

And TWO oil changes?

houdini1

ab348 said:

abacomike said:

andres3 said:

abacomike said:

andres3 said:

abacomike said:

@iluvmysephia1

I was trying to be helpful and honest based on my CAR SELLING AND FINANCING experience, not my car “buying” experience.  No need to rake me over the coals - that was uncalled for.

And I don’t buy new cars every 4 months - once a year, perhaps, but not every change of season. 

So was that 2 purchases in 2017? A year with an asterisk right?

Nope - just one - 2018 S450.  Just one in 2016 - 2017 740i.  Just one in 2015 - 2016 CLS 400.  Any other comments Andres?

hmmm, I guess time flies when you get older! Didn't seem you had the BMW that long.

12 months

Including an oil change IIRC. That was big news.

Mike does not strike me as the type to spend more than he can comfortably afford, plus he appreciates a fine automobile.

tbirdmarco

@houdini1 yes that is how it works thanks for clarifying!

tbirdmarco

@driver100 thank you thank you love being on these bords! and everyone on them! have loved this stuff since I was an little kid ask anyone in my family! started off with lawn mowers and tranes and dryers and washing masheens my mom told me! lollol I was born primachore at 6 and an half munths luckly just my eyes could be an lot worse off like menny others that wher born around the time I was in 1986 your frends sound like ausam peapol! yes you have to what you have to do everyday and injoy life! could not sit home would go nuts! we all have to meat up one day soon have an edmans get to gather!

tbirdmarco

and yes do love the old car that I have did want one since 2005 when was in high school but glad have one now! crazy red the story on the car and that was before seeing one in person was wanting one! also want an first jenn corvette eventually to! or evan secand jen one!

tbirdmarco

think said before maby I did not! I am the one in the house and with co workers and frends I am close with alwas keeping them on top of there car matnance!

tbirdmarco

and if anyone wants to add me on facebook or linkton or instagrame pleas feal free to on all of those and can see cool stuff on my car that I have posted there!

abacomike

Speaking about all the ads on these forum sites, I used to be able to read and post easily on my iPhone, up until this morning. I opened the site on my iPhone 7+ and now it is so small in order to fit all the ads in the frame, I would need a magnifying glass to read posts or even read what I am typing in the comments section. I can no longer use my iPhone. I tried zooming in, but that made it worse. I tried increasing the size of the font, but that didn't work. Even on my PC, where I am now typing this, everything is tiny and hard to read. So they must have done something to make it so small and illegible.

abacomike

Marcothecarguy1986 said:

and yes do love the old car that I have did want one since 2005 when was in high school but glad have one now! crazy red the story on the car and that was before seeing one in person was wanting one! also want an first jenn corvette eventually to! or evan secand jen one!

Wouldn't we all love to have a 1st or especially a 2nd generation Corvette. I wish I had that 1967 Stingray that was stolen overnight when I lived in Chicago. What a vehicle.

houdini1

When my iphone starts acting screwy I just turn it off and then back on. That usually clears it up.

qbrozen

Huh. Still working as always on my 6+

robertfl

When I look at the Edmunds True Market Value Pricing I see a line that says "Customer Cash Adjusted True Market Value". What is that exactly? Is that the price I should pay if I am paying with cash rather than getting a car loan?

jmonroe

Marcothecarguy1986 said:

@driver100 thank you thank you love being on these bords! and everyone on them! have loved this stuff since I was an little kid ask anyone in my family! started off with lawn mowers and tranes and dryers and washing masheens my mom told me! lollol I was born primachore at 6 and an half munths luckly just my eyes could be an lot worse off like menny others that wher born around the time I was in 1986 your frends sound like ausam peapol! yes you have to what you have to do everyday and injoy life! could not sit home would go nuts! we all have to meat up one day soon have an edmans get to gather!

Good idea. You get the first round and @abacomike will get all the others. Plus, that would be a good time for him to raffle off some college baseball tickets.

Yep, a good time for all. Thanks for bringing it up.

jmonroe

jmonroe

abacomike said:

Marcothecarguy1986 said:

and yes do love the old car that I have did want one since 2005 when was in high school but glad have one now! crazy red the story on the car and that was before seeing one in person was wanting one! also want an first jenn corvette eventually to! or evan secand jen one!

Wouldn't we all love to have a 1st or especially a 2nd generation Corvette. I wish I had that 1967 Stingray that was stolen overnight when I lived in Chicago. What a vehicle.

Why don't you check and see how much that guy wants to let you steal it back from him. That will surely cost you but we'd have a two car @abacomike car tale within the same year. A first, even for you.

jmonroe

abacomike

houdini1 said:

When my iphone starts acting screwy I just turn it off and then back on. That usually clears it up.

Been there - done that - this morning and again this afternoon - to no avail.

driver100

Marcothecarguy1986 said:

and if anyone wants to add me on facebook or linkton or instagrame pleas feal free to on all of those and can see cool stuff on my car that I have posted there!

Marco...I am not on facebook or linkedon, but would love to see the TBird. If you have a picture saved it is fairly easy to post it......I can even do it!

abacomike

@jmonroe

I sure am glad you volunteered me to buy rounds 2 and up. At least you didn't volunteer me to pick up the first round. It would be my pleasure.

tbirdmarco

@abacomike I no so trew that is one car most of us want! lollol and wow sorry to hear about your troubles with websights and your phone! do restart my phone once every few days the voice over and phone over all does start acting weard! after do that good for an bit!

tbirdmarco

@driver100 thank you for the offer for the help will see what I have! and post them on hear soon! or let you no if nead help doing that!

tbirdmarco

@jmonroe Sounds good!

driver100

iluv....we went to play pickleball this morning and I did some serious thinking about your iA or whatever it is...maybe A1 or is that the steak sauce.
Anyway, I think you have a point, if you can get a new car for $75 a month more, I think it is worth considering....after probation.
I don't normally think someone should by a new car when they owe so much on their current car, but, we are talking $20 a week more, to drive a new car with no problems for at least 3 years.....probably longer. You are getting reliability plus the latest safety features. At 100000 miles, the Should could run into costly repairs.

I never thought I would say it would be good to buy a car when you still owe on the current one, but, I think the low price of $15000 makes it all within range.

Good luck convincing your wife.

My next post tells of a similar case.

driver100

One of our excellent employees started his own computer business, after my S-I-L ran the company into the ground.
He had a 2002 Honda Civic that was pretty good, but would need repairs.
He called me in a panic that someone ran into him and his car was a write off.
Insurance company gave him $4000 for the old Civic.
I said to consider leasing. Take the $4000, it will buy you a year of leasing, by then your business will get built up and you can make the payments from earnings. It gets him into a new reliable car and it will last him for 10 or more years.
It is coming up to 3 years so I asked him if he was going to buy back the Honda Fit he bought. He has 6000 miles on it - after almost 3 years, and the buy back is $9000. He is definitely going to buy it back.

He loves the Fit because it has heated seats and air conditioning, which his last car didn't have....plus Bluetooth. He's a techie guy so he thinks the Fit is perfect for his image.

I think there are times when leasing works, and when buying a new car makes sense.

abacomike

I solved the problem with my iPhone - just cleared all the history and voila - back to normal.