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-   -   Pre-approved, but should I wait? (https://www.ft86club.com/forums/showthread.php?t=26756)

bestwheelbase 01-20-2013 01:04 PM

Congrats! Great story. :happy0180:

Asterisked Accolade 01-20-2013 02:25 PM

Quote:

Originally Posted by MmmDieselFumes (Post 676701)



I know man, I went over that a million times in my head. Literally. But I came to the conclusion that:


A.) I can actually afford it, and the majority of my angst could be attributed to my proclivity for frugality.
B.) I make good money, and you can't take it with you when you go.
C.) I was in love with the car, and my expectations were fully justified when I finally put the keys in the ignition.
D.) I'm young, and I'm entitled to at least one "rash" decision for once in my life since I've always played it by the books and done what is smart.
E.) I'd be damned if I let that kid who came in after me have it.

Lol

The Gravity of my sense of frugality must be absurdly immutable, because it has hushed all the notions i've expressed that were similar to what you listed.

However, i've never driven one and thus have not been seduced. Honestly, i've nurtured the thought of waiting until the car(s) depreciates a good $10,000-- setting aside the reality of how long that's likely to take. (Also setting aside the occasional withering condemnation i feel for my own intrepid power of restraint.)

jmaryt 01-20-2013 03:05 PM

yes! this so true! been fighting this now for months! i'm NOT strong enough! what is so disconcerting is,i know i will lose my as* if i trade my current chariot in!

Ocala FR-S 01-20-2013 06:21 PM

Quote:

Originally Posted by Asterisked Accolade (Post 677228)
The Gravity of my sense of frugality must be absurdly immutable, because it has hushed all the notions i've expressed that were similar to what you listed.

However, i've never driven one and thus have not been seduced. Honestly, i've nurtured the thought of waiting until the car(s) depreciates a good $10,000-- setting aside the reality of how long that's likely to take. (Also setting aside the occasional withering condemnation i feel for my own intrepid power of restraint.)

Whatever, just get one.

Asterisked Accolade 01-20-2013 10:56 PM

Quote:

Originally Posted by Ocala FR-S (Post 677626)
Whatever, just get one.

LoL, ain't nobody got money fo' dat!

jmaryt 01-20-2013 11:15 PM

Quote:

Originally Posted by MmmDieselFumes (Post 677443)
Smart money's always on paying it off if you can, then leveraging the dealer into working with you on the value to get you where you want. That way the you get a tax break because you already paid sales tax on the car you're trading in, so they can make those new car taxes a little less painful. That's basically what I've always done, and it worked well for me for this guy too.

yes i'm aware of this! it's my property,clean ,clear title,and i am tryin' to work an "over allowance" with the dealer against invoice,or below,but i gotta go "subie" and the money just may not be there to do the deal! find out soon!
no sales tax ,as i live in new hampshire.problem is i have to find a dealer willing to give me that "over allowance" as a trade in,then i can work on the other end! middle of winter with many of 'em sitting on dealer's lots here in new england,along with the end of the month coming is the break i will need.

jmaryt 01-20-2013 11:18 PM

Quote:

Originally Posted by MmmDieselFumes (Post 677443)
Smart money's always on paying it off if you can, then leveraging the dealer into working with you on the value to get you where you want. That way the you get a tax break because you already paid sales tax on the car you're trading in, so they can make those new car taxes a little less painful. That's basically what I've always done, and it worked well for me for this guy too.

Quote:

Originally Posted by Asterisked Accolade (Post 678116)
LoL, ain't nobody got money fo' dat!

you might get lucky! with that rhetoric,you could probably talk "bank managers" in twenty states to "give" you the money! (lol!)

jmaryt 01-20-2013 11:23 PM

Quote:

Originally Posted by Asterisked Accolade (Post 676270)
Man, i couldn't pay off a car and then jump right back to making car payments again. I'm bat-**** crazy about the twins,too; but i just don't think i could do that.

you CAN do it! as the french so eloquently proclaim!
it's an "event psychological!"

Asterisked Accolade 01-20-2013 11:23 PM

Quote:

Originally Posted by jmaryt (Post 678169)
you might get lucky! with that rhetoric,you could probably talk "bank managers" in twenty states to "give" you the money! (lol!)

I'll win them over with peasant nomenclature. http://i236.photobucket.com/albums/f...lies/amuse.gif

EDIT: It just hit me that you may have been hinting that i'd likely rob them. If so, touche.

Asterisked Accolade 01-20-2013 11:26 PM

Quote:

Originally Posted by jmaryt (Post 678182)
you CAN do it! as the french so eloquently proclaim!
it's an "event psychological!"

Something else i could do is play wheel of fortune, win one of those dreadful cars they have on the show, sell it, and buy an FRS and around $15,000 worth of mods. http://i14.photobucket.com/albums/a3.../sweatdrop.gif

jmaryt 01-20-2013 11:29 PM

Quote:

Originally Posted by Asterisked Accolade (Post 676270)
Man, i couldn't pay off a car and then jump right back to making car payments again. I'm bat-**** crazy about the twins,too; but i just don't think i could do that.

Quote:

Originally Posted by Asterisked Accolade (Post 678183)
I'll win them over with peasant nomenclature. http://i236.photobucket.com/albums/f...lies/amuse.gif

playing the "sympathy angle" with those "vultures" will get you nowhere,
i'm sorry to say! foldin' cash? this,they understand!

jmaryt 01-20-2013 11:32 PM

Quote:

Originally Posted by Asterisked Accolade (Post 678186)
Something else i could do is play wheel of fortune, win one of those dreadful cars they have on the show, sell it, and buy an FRS and around $15,000 worth of mods. http://i14.photobucket.com/albums/a3.../sweatdrop.gif

good luck with that! i suspect you'll need it! you might take a chance on the lottery somebody's got to win! might as well be you! just sayin'

M1schiev0us 01-21-2013 04:22 AM

Quote:

Originally Posted by Asterisked Accolade (Post 678116)
LoL, ain't nobody got money fo' dat!

:word: :lol:

My problem right now exactly!


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