Did you recently take on (or consider) a loan of 84 months or longer on a car purchase?
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I did the interview so they might use it. Hope it helps and hopefully I'll see it.
The trick with the T-shirt is you need to get it 2 or 3 sizes larger than you are.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Smart move = zero down payment. Generally, I prefer to own, but in this case I think the guys are right...if you lease you can still buy it at the end of the lease. If you are concerned about the car not being under warranty you can flip it for a new one.
Keep in mind, you can get an extended warranty too, if that makes you feel better.
Do you write your car off as an expense for business? The difference in monthly payments might not mean as much if that's the case. Leases are a little easier to calculate for tax purposes...at least for me in Canada. For a lease the car can be deducted less portion used for personal use. If you own deduct 30% first year, 20 second and I think 10 third.
If you do change careers, have more children, or have a big change in life situation, you can trade in a car you own a lot easier than getting out of a lease, especially early in the lease.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Richard
Smart young man---I wouldn't either.
Richard
No need to worry about a career change. My family's plumbing supply has been in business since 1900. I've been there since 2002.
I'm not moving nor do I plan to move anytime soon.
I'm most definitely NOT going to have anymore children. The 3 I have are amazing.
I'm going to lease and see what my options are 2 1/2 years from now.
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
Some talented person showed me how to look up the actual invoice price on Edmunds, but I forgot how to do that. If you know, please let me know. Trying to find the price of an S model with no options. Also, to compare, and SE model.
I need opinions on this. Should we buy now for November...like a down payment and order so we know we will get what we want? Production will probably stop soon. Or do we put down a downpayment and order a 2013 model?
Any thoughts would be appreciated. If we order a 2013 I would just say this is the price we will agree to pay, adjusted if the price goes up or down by that percentage. Ot, I could take an agreed percentage off the list price of the new model...though if I remember correctly discounts weren't very big on these cars. Also, I would have to make sure all the extras are listed as Florida dealers seem to have lots of add ons and tricks according to other posters listing reviews of dealers.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2013 LX 570 2016 LS 460
so unless you are going to want some incredibly rare combo (and not even sure if you can order that way on a VW), I would wait until you are ready to buy it, then go find one and worry about the deal at the time.
You also never know if needs/desires will change by the end of the year!
And for invoice prices, just click on the "new cars" tab at the top, pick the model you want and "price with options". That will come out with a chart of MSRP and invoice (along with a target price, and any available incentives).
If I remember the saga correctly, you will be buying a car in the US to leave here, right?
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
You remember correctly. if we bring the 335 down we have to go through a long difficult process of paperwork and insuring etc. Easier to buy one here and have a 3 year warranty.
The problem with waiting is we want a particular color...white, and no extra equipment. If we have to order it we will be without a car for 4 to 6 weeks. If we order in say September or October then we know it will be exactly the way we want it. I doubt if we would save much by trying to get a 2012 once the new ones come out, and it will be worth a lot less if we trade it in after a few years.
I'll try checking the prices by clicking on New Cars.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Richard
2013 LX 570 2016 LS 460
I would explain to my dad that he can keep the money in the family or give it to the Obama election campaign. That's likely where it would end up.
2013 LX 570 2016 LS 460
I assume white is not going to be that hard to find in Fla. No options, maybe more so.
In your situation, I would go to the local dealer when you are down, and make a connection with a sales person, lay the groundwork, then just deal with them via phone/email when you are getting close enough.
Also, what about a lease? if you aren't keeping it past warranty anyway, and will be putting low miles on it, might be a good way to keep your cash liquid. VW also often has drive and sign events, and a no options Passat is going to be one of the advertised loss leaders.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
Go to Edmunds used car values and test values on a 3-year old vs a 4-year old car with a minimum additional mileage per year like you would be adding. See how much (little) difference there is unless there's a radical design change between the two years.
The depreciation is greatest for the first year and then decreases yearly: e.g., 35%, 20%, 15%, 10%. So having a car that's one year older makes less difference than higher mileage would make.
2014 Malibu 2LT, 2015 Cruze 2LT,
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
I don't have anything against a lease for certain situations. My wife really prefers to own. It is partly a phsychological thing...if you lease you are just renting, and it is partly practical...if you own it you can trade it or sell it whenever you want to.
Since it is her car, and since she is being really good by not wanting the deluxe model, I'll go with her wishes.
I checked out the prices on Edmunds and seems you can get about $1000 off list price. Then add $770 for destination fees, and probably $599 for dealer prep, lol.
I think you are right though. I bought the 535 online, so we should be able to do that in this case. It might be better....can check paperwork more carefully before agreeing. Might write up something in rough, then finalize it in October.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
You know best but in some cases it could actually save you more. Being a family member might be a hard one to get around, but basically if the business pays the business also writes it off and it may cost more, but the tax deduction may actually make the real cost less.
Where is snake when we need him?
Every situation is different and your family has probably worked it all out. Being able to deduct car expenses can make a huge difference to your tax form. Probably most people driving luxury cars are writing them off.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Today he looks at it and even though it is dented near a crease he said that because the metal is so thin on the cars today he could probably get most of it out right in my nephew’s driveway. I asked if he wanted me to move it so it could be jacked up and the tire taken off. He said no all he needed was a screw driver with one of those rubber handles and he was going to get one from his car but my nephew got one from his garage. Without even turning the wheel (the tire was straight) he reaches in and pops off one of those plastic clips that holds the inner fender liner to the rear edge of the bumper cover. He manipulates the screwdriver around for a few seconds and BINGO the dent is almost gone. He said that to make it perfect, he’s pretty sure his boss would call it a 2 hour job to sand, mud and paint it and it would probably not cost much more than $300.
Since he got it looking pretty good except for a spot where the paint is scratched, about an inch long, almost at the seam of the fender and a fender panel below it, he said what I was thinking, “get a paint stick from the dealer and see if she can live with it”. He thought a dent wizard shop could possibly get a little more of the dent out but even that probably wasn’t worth it because there wasn’t that much more one of those shops could do with it at this point. The real fix is a full blown shop repair and Mrs. j is going to think about it.
I have to sit and wait for the final decision from the Chairman of the Board. :sick:
jmonroe
'15 Genesis V8 with Ultimate Package and '18 Legacy Limited 6 cyl
2014 Malibu 2LT, 2015 Cruze 2LT,
My wife, two older daughters , one's boyfriend and my brother moved me all in. I sit here waiting on dinner and hooked up to three tubes. The serious stuff doesn't start until tomorrow.
A friend is watching the younger girls. I owe her big.
Keep us informed when you are able!
2014 Malibu 2LT, 2015 Cruze 2LT,
That was a very interesting exercise. I couldn't do it with a Passat because the models are so different for 2012. So, I did the exercise using a 2008 Jetta at 6000 miles a year it would have 24k miles on it. A 2009 Jetta would have 18k miles.
As a trade in the 2008 was worth $9700 and the 2009 $13700.
Retail value $12500 and $13700.
Certified, surpisingly $13600 compared to just $13750
So, in the real world probably about $1000 difference. I think it would be much easier to sell a 1 year newer car and I doubt if they are going to knock off much more than $1000 on a 2012 once the 2013s are out.
If a 2012 was $2000 or more less than a 2013 it would be worth considering, but I doubt the spread would be that great.
A very worthwhile test though, I thought the spread between a 2012 and 13 would be more than that.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
A great lesson there. Seems like it would be worth a try.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Nice that you can stay in touch. Ask the doc if you can keep posting while he is working on you.
Good luck, we are all hoping it goes as well as possible.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
Ditto!!!
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
There's where I would differ. I'd base a 2008 Jetta at 19K miles and a 2009 which you might purchase only a few months later at most would have 18K miles.
In my world I'd think picking up a basic unsold 2012 in white would be relatively easy as a common car and you'd save much more than $1000. And I feel a buyer would consider the low mileage car prime despite the extra year on the calendar. The car itself would have a life based on the month it went into service.
I see a buyer 3 years down the road saying, "Matilda, this here Jetta has only 19 K miles and is four years old but has only been in service 3 years 2 months.?
I see the strength of the low miles it will accumulate obviating the additional year on the calendar but not on the wheels.
2014 Malibu 2LT, 2015 Cruze 2LT,
Until I sold my accord, I had 2 - 2005 Hondas, bought almost exactly 1 year apart. And it made no difference when I went to sell one (and likely won't when I sell the other one later this year). Just the year and the miles.
the only time I could see it being more of an issue is if it is in or out of warranty.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
I don't know if this would apply in your case, but I saw an interesting article the other day that said in the near future organ rejection would be a thing of the past. Seems they have found a way to inoculate the recipient in some way that he ends up with two separate immune systems...his and the donors...so no lifelong drugs to take !!
Sort of like, as you said, having two blood types.
2013 LX 570 2016 LS 460
Best of luck!
Didn't the camaro outsell the mustang for the first time in 2011? Hopefully
Ford will be more flexible with the options.
Yeah, we’ve all heard about that. I wonder if it is a state wide thing or just limited to southern Florida where they know they have a captive market. Just curious if they do this in Jacksonville or Pensacola and other northern Florida cities where you can drive across the state line to buy a car without too much trouble.
jmonroe
'15 Genesis V8 with Ultimate Package and '18 Legacy Limited 6 cyl
Not sure but I know some friends bought a trailer for travelling in Florida. The dealer knew they were headed for Canada. He had them pick up the new trailer from their Georgia location where taxes were much lower....saved over $1000.
Pretty bad when you have to play games to beat the taxman.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
your point is well taken but it will always be easier to sell a one year newer vehicle. I think at $20k VW won't have a lot of room to move downward when the 2013s come out. They'll make a big deal about savings but it won't amount to much.
Also, I called on Sunday to find a standard shift we could test drive. The salesman said there are very few manuals around, so he doubts he can find one to try. He said people don't buy big cars???????with manual transmissions.
I think they don't make them partly because demand isn't great, but also so VW can get you in the door to look at a car advertised at under $20k. Prices move up pretty fast by the time you add options.
What I am saying is it might be very hard to find a 2012 in November, with manual transmission, in white. That's my thinking. But we could order a 2013 exactly the way we want it.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Finding anything in a manual these days is a challenge so it seems. The salesman is generally correct as the larger the car the less likely a manual transmission is.
Fezo,
Hang in there man!!
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
Randy
I forgot to mention this in my original post:
According to my nephew-in-law the ding in the fender of the Legacy is not all that uncommon of the type of damage that happens to new cars sitting on dealer lots before they are sold. He said, “you’d be surprised how many new cars are sold that have had some minor body work done to it like you have here.” When I said to him, “oh, so now you’re telling me I should run around a new car with a magnet to find the putty before I buy it, huh? His answer was, “unless you’re an expert at seeing the most minor of repairs, that might not be a bad idea”. :sick:
We’ve all heard of stuff like this so how much of this goes on I don’t know. You guys out there that are contemplating a new car purchase (‘nyccarguy’ is one that comes to mind); this magnet thing ain’t so crazy.
jmonroe
'15 Genesis V8 with Ultimate Package and '18 Legacy Limited 6 cyl
Amen to that! It's a shame that we have to stoop to unethical practices at times just because the political dogs constantly try to bite us and give us rabies.
Richard
Richard
Just wondering---as a Canadian citizen, will the paperwork be difficult by purchasing a car in the United States?
As for ordering now for November, that's over eight months away. Many things can happen and many changes can take place in that length of time. Actually, I would think that a white car with few options would be an easy find later. They are usually the ones that come in the ads which say, "Car X is only $xxx at your local dealer today." They always advertise the model with no options in either white or silver. It makes the base price look so tempting.
Richard
I'm getting blood later today. The well is pretty dry.
So far on hair color at least the answer is "present."
I’m sure it isn’t as pretty as mine but I know your attitude is better than mine would be.
We’re thinking about ya.
jmonroe
'15 Genesis V8 with Ultimate Package and '18 Legacy Limited 6 cyl
Best of luck!!!
I'm not a doctor, but I can't imagine any of those things changing because of a blood change. Richard, were you making a joke?
2013 Mustang GT, 2001 GMC Yukon Denali
Will probably make it a pay-per-view event so he can buy a car b/c Richard won't give him one. :P