I bought a 2007 STi in hopes I could continue my lifestyle of turbos

[dreid]

@Beck

It’s b/c of the big rebate Subby offered last year. If/when Mitsu offer’s a huge rebate on the Evo X’s…the prev. gen’s will fall.

If I wasn’t increasing my insurance from $900/year to $3,500 - I’d probably be interested in buying one.

your INS would jump that much??? holy hell

[khoveraki]

@Beck

You’re right. I ended up buying a DD which cost’s more than all of them. (Other than IS-F) So it’s not so much talk, rather than ideas that don’t end up making sense after thinking about them a little more. It’s not like I talk about them and then buy a 00 Impala.

<3

I’d rather have a nicer DD, rather than a nicer toy I drive 4 months out of the year and pay out the ass for insurance. I mean, it’s not like I’m rocking a sports car and DD’ing a 140k mile Lumina. I’m not about being hood rich. Every vehicle I’ve spoken about buying didn’t make as much sense as my recent purchase. :gotme:

Lmao, the first year I had my car I was DD’ing a lumina that died at 141k.

So what’s the Highlander for anyway? Knock up a few bitches and need seating for 15? Towing a boat? jw.

[Beck]

@khoveraki

Lmao, the first year I had my car I was DD’ing a lumina that died at 141k.

So what’s the Highlander for anyway? Knock up a few bitches and need seating for 15? Towing a boat? jw.

AWD: Check
Factory Nav: Check (It’s extra sweet because it’s Lexus based and prob. the best nav software ever created)
7/100K Bumper to Bumper: Check
Reliable: Check
Resale: Check
Cheap Insurance: Check
Leather: Check
Toyota: Check (Work reasons)
TFS giving me financing terms that no consumer could acquire: Check
Towing: Check

<3333

[TradersBASE]

@Beck

on a loan, secured by mom and dad. <333333

I’m not knocking you. I couldn’t care less. I just don’t think you have the legitmacy to bet against someone who needs to make smarter financial decisions than you.

@Beck

I’m just glad that Toyota hasn’t thrown a $2,000 rebate on the 09 Highlander’s yet. I’d be PISSED if I missed it by a couple months, not to mention it would make my 09 worth atleast $4,000 less.

@Beck

You’re right. I ended up buying a DD which cost’s more than all of them. (Other than IS-F) So it’s not so much talk, rather than ideas that don’t end up making sense after thinking about them a little more. It’s not like I talk about them and then buy a 00 Impala.

<3

I’d rather have a nicer DD, rather than a nicer toy I drive 4 months out of the year and pay out the ass for insurance. I mean, it’s not like I’m rocking a sports car and DD’ing a 140k mile Lumina. I’m not about being hood rich. Every vehicle I’ve spoken about buying didn’t make as much sense as my recent purchase. :gotme:

The funny part of this banter is you’re calling him out for making poor financial decisions yet you invested in a brand new car that devalued horribly right off the lot. Let some sap pay depreciation and buy slightly used. Just had to comment about pot meeting kettle.

Did you pay cash and own outright?

edit—
NM…just read the below in newer post. So you financed. IMO loans on devaluing investments means you can’t afford the toy. JMHO

TFS giving me financing terms that no consumer could acquire: Check

[Jack]

@TradersBASE

NM…just read the below in newer post. So you financed. IMO loans on devaluing investments means you can’t afford the toy. JMHO

No… its a DD not a toy.

And though it “cost’s” more than the other “toy’s” he listed… I don’t think he would have gotten the same financing on them that he got for the granny mobile.

[TradersBASE]

@Jack

No… its a DD not a toy.

And though it “cost’s” more than the other “toy’s” he listed… I don’t think he would have gotten the same financing on them that he got for the granny mobile.

You missed the bigger point.
Hint: it’s not the one on your head. J/K

[TRP951]

now you need this shirt

[Sansone]

^ no.

[91MR2]

@dreid

your INS would jump that much??? holy hell

When I got a quote for an 08 STi, it was almost double what I was paying. That def. had an impact on my decision to not get one…

The Volvo on the other hand, is basically the same insurance cost as my 1994 Integra was, haha.

[Djs87]

I would buy an sti if it was 2 door. Itd look awesome.

[Beck]

@TradersBASE

The funny part of this banter is you’re calling him out for making poor financial decisions yet you invested in a brand new car that devalued horribly right off the lot. Let some sap pay depreciation and buy slightly used. Just had to comment about pot meeting kettle.

Did you pay cash and own outright?

edit—
NM…just read the below in newer post. So you financed. IMO loans on devaluing investments means you can’t afford the toy. JMHO

I’m a financial services manager. You’re trying to teach the teacher. I purchased a brand new car, because I was given an APR that even you a so called investment genius wouldn’t have been able to aquire.

Obviously, I know that a new car depreciates off the lot much faster, but if i’m paying $4,000 more in interest, wheres the incentive? Plus I’ll be able to deduct the sales tax next year.

That whole “decpreciation” thing is a mute point in most instances anyways. Obviously I can go buy a one year old domestic and save some big chicken. Trying to find a used 2008 Highlander Sport with my options, you’d be lucky to find one under $30,000. When I’m already spending that much, the $3,000 I could save and have it not make a difference in 3 years, wasn’t worth it IMO.

[91MR2]

That linked STi is really nice…

[TradersBASE]

@Beck

I’m a financial services manager. You’re trying to teach the teacher. I purchased a brand new car, because I was given an APR that even you a so called investment genius wouldn’t have been able to aquire.

Obviously, I know that a new car depreciates off the lot much faster, but if i’m paying $4,000 more in interest, wheres the incentive? Plus I’ll be able to deduct the sales tax next year.

That whole “decpreciation” thing is a mute point in most instances anyways. Obviously I can go buy a one year old domestic and save some big chicken. Trying to find a used 2008 Highlander Sport with my options, you’d be lucky to find one under $30,000. When I’m already spending that much, the $3,000 I could save and have it not make a difference in 3 years, wasn’t worth it IMO.

Thanks for the education teach. LOL

[Rojo75]

im pretty sure mitsu had a $7500 rebate on Xs that is still goin on if u can find a brand new one
(goin back to the first page)

[snowracer101]

@Beck

I’m a financial services manager. You’re trying to teach the teacher. I purchased a brand new car, because I was given an APR that even you a so called investment genius wouldn’t have been able to aquire.

Obviously, I know that a new car depreciates off the lot much faster, but if i’m paying $4,000 more in interest, wheres the incentive? Plus I’ll be able to deduct the sales tax next year.

That whole “decpreciation” thing is a mute point in most instances anyways. Obviously I can go buy a one year old domestic and save some big chicken. Trying to find a used 2008 Highlander Sport with my options, you’d be lucky to find one under $30,000. When I’m already spending that much, the $3,000 I could save and have it not make a difference in 3 years, wasn’t worth it IMO.

If anyone, especially at this point in time, is paying ANYTHING over 1.9% financing on a brand new car, they are fucking retarded, or have terrible credit.

[boardjnky4]

@sedlmeier101

If anyone, especially at this point in time, is paying ANYTHING over 1.9% financing on a brand new car, they are fucking retarded, or have terrible credit.

wat?

[Beck]

@sedlmeier101

If anyone, especially at this point in time, is paying ANYTHING over 1.9% financing on a brand new car, they are fucking retarded, or have terrible credit.

What are you talking about?

All due respect to you, but where the hell are you getting these numbers? Rates aren’t even CLOSE to 2%. People come in all the time and talk about how their rates should be about 2% through banks and that used cars have 3% or 4% rates.

The best credit unions are around 4%, give a little…maybe 4.5%.

[rdandy5875]

I think he’s talking about brand new cars usually having special financing rates through dealers, 0 to 1.9%…Thats the only way you get such low apr…

[Beck]

@rdandy5875

I think he’s talking about brand new cars usually having special financing rates through dealers, 0 to 1.9%…Thats the only way you get such low apr…

You’re generally better off taking the rebate and getting 4% through an in-direct lender. This depends though, on LTV and other terms.

[snowracer101]

@Beck

What are you talking about?

All due respect to you, but where the hell are you getting these numbers? Rates aren’t even CLOSE to 2%. People come in all the time and talk about how their rates should be about 2% through banks and that used cars have 3% or 4% rates.

The best credit unions are around 4%, give a little…maybe 4.5%.

What I mean, is, if you shop around for a month or two, you can pretty much find any car with 0% or close to financing.

I’m pretty sure all the domestic manufactures are 0% financing right now…
I just saw an add for 0% on camrys…Subaru has 0% from month to month…

Hell, even BMW and Mercedes had 1.9% financing on their cars in the past months.