Anyone else paying in cash/full? - Page 2 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Brett · 03-22-2012, 06:05 PM

Quote:

Originally Posted by ft86Fan

I hope you all understand that investing carry with it certain risks. Don't make it sound like its a sure thing. Trust me.

Duh. Like I said: YMMV!

However, the S&P has averages about 12% per year for about 80 years. If that tanks faster than the value of your car, we have major problems, and I hope you can all garden, hunt, and build a fire!

Brett

86fanatic · 03-22-2012, 06:08 PM

Quote:

Originally Posted by Brett

Duh. Like I said: YMMV!

However, the S&P has averages about 12% per year for about 80 years. If that tanks faster than the value of your car, we have major problems, and I hope you can all garden, hunt, and build a fire!

Brett

The S&P is currently below where it was in 2006, and is also below the peak in 2000. It is simply incorrect to say that anyone can expect 10% average returns over any length of time with the S&P. Past performance does not indicate future returns.

lupehoops26 · 03-22-2012, 06:11 PM

Quote:

Originally Posted by Saibot

made 40k from sept-dec 2012.

past performance is not an indicator of future returns...wait a minute.

Brett · 03-22-2012, 06:22 PM

Quote:

Originally Posted by 86fanatic

The S&P is currently below where it was in 2006, and is also below the peak in 2000. It is simply incorrect to say that anyone can expect 10% average returns over any length of time with the S&P. Past performance does not indicate future returns.

You're right. I picked a lousy example. Guilty as charged. I still stand by the concept. Its not the path for everyone, but it has worked for me.

There is certainly risk, and you should invest according to your risk tolerance. If you did this in about 2008 you would've been most unlucky, and probably wouldn't have done well at all. Again your mileage may vary!

Brett

DantKR · 03-22-2012, 06:27 PM

Quote:

Originally Posted by A Gomez

Please, tell me, Sensei, your investment secret to 100% GUARANTEE the ROI never fails to exceed the interest rate of borrowing money. I could retire tomorrow if I had that secret.

There is no 100% guarantee, but you know you will lose a huge chunk of your "investment" in your car immediately. If we had 100% guarantee of ROI then we'd all be rich(or poor since we'd all have money). You can probably take 20k and invest it in some funds that will give you more than a 2-3% yield. I PERSONALLY am not a stock trader, I just know there are wiser ways to spend 25k. I'd personally rather spend it on my house.

ft86Fan · 03-22-2012, 06:57 PM

Why do people consider buying a car an investment? Its not. If you end up making money selling your old vehicle then you got lucky. Of course you should expect losing some money as soon as you drive the car off the lot because it is now used. Do you expect to make money on a TV set after you take it out of the box and used it?

MrBRZ · 03-22-2012, 07:45 PM

Quote:

Originally Posted by A Gomez

Please, tell me, Sensei, your investment secret to 100% GUARANTEE the ROI never fails to exceed the interest rate of borrowing money. I could retire tomorrow if I had that secret.

Brains

DRACHENV6 · 03-22-2012, 08:15 PM

Toyota stock is pretty strong. Starting just a few months after the rumors and leaks hit the internet (thanksgiving) the stock climbed by almost 40%. Alot of that gain is from the success of strong sales such as the prius and speculation about the FRS.

The question to ask yourself is "Do you see the FRS as a game-changer for toyota?" or do you think that they shot themselves in the foot with the newly released pricing.

The leaks on this forum are a gold-mine for investors looking to increase their odds. It is important to gather intel.

DRACHENV6 · 03-22-2012, 08:17 PM

http://finance.yahoo.com/echarts?s=T...=0;logscale=on

dori. · 03-22-2012, 09:36 PM

I think financing with a good down payment is the best way to go, at least for me.

A mid 20s dude who has a job and is finishing college.

PSound · 03-22-2012, 11:22 PM

I probably wouldn't advise anyone to take all their cash and put it in a car. If that is your position, finance it. Do it so that your monthly payments do not impact your ability to continue saving.

At the very least, you should continue to put the max in your 401k (that your employer will match).

fistpoint · 03-23-2012, 12:13 AM

Quote:

Originally Posted by DantKR

While which specific stocks to invest in may not be the wises idea of which to listen to, overall, the advice is sound. There is no point in NOT financing when interest rates are as low as they are when you can take the 20k and get more than 2-3% return.

You need to get approved for those low APR's. Not everyone has good credit, while others have little or no credit history.

That side of the coin also isn't as black and white a you make it sound.

track_warrior · 03-23-2012, 12:29 AM

All my other cars are paid in full, this will be my first financed car, im only financing if i dont sell my 240sx before i need to pay the dealer. If i sell it i will be paying cash.

subatoy · 03-23-2012, 01:14 AM

damn I think dropping $25k cash is retarded on a car specially with this economy. Unless you have tons more cash to spare but if you only have $25k mmmm. I'd rather end up paying more due to financing and have all that money in my pocket in case something happens.
to each their own.

03-22-2012, 06:57 PM	#20
ft86Fan Senior Member Join Date: Feb 2010 Drives: FR-S, Exige S, Miata Location: Basking Ridge NJ Posts: 798 Thanks: 327 Thanked 131 Times in 80 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	Why do people consider buying a car an investment? Its not. If you end up making money selling your old vehicle then you got lucky. Of course you should expect losing some money as soon as you drive the car off the lot because it is now used. Do you expect to make money on a TV set after you take it out of the box and used it? __________________ '13 Scion FR-S (Whiteout) '07 Lotus Exige S (Aspen White) Touring, Traction, Starshield '95 Miata (Montego Blue)

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03-22-2012, 08:15 PM	#22
DRACHENV6 Senior Member Join Date: Apr 2011 Drives: tata nano Location: Boston Posts: 135 Thanks: 6 Thanked 27 Times in 14 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Toyota stock is pretty strong. Starting just a few months after the rumors and leaks hit the internet (thanksgiving) the stock climbed by almost 40%. Alot of that gain is from the success of strong sales such as the prius and speculation about the FRS. The question to ask yourself is "Do you see the FRS as a game-changer for toyota?" or do you think that they shot themselves in the foot with the newly released pricing. The leaks on this forum are a gold-mine for investors looking to increase their odds. It is important to gather intel.

03-22-2012, 08:17 PM	#23
DRACHENV6 Senior Member Join Date: Apr 2011 Drives: tata nano Location: Boston Posts: 135 Thanks: 6 Thanked 27 Times in 14 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	http://finance.yahoo.com/echarts?s=T...=0;logscale=on

03-22-2012, 09:36 PM	#24
dori. Señor Member Join Date: Dec 2011 Drives: white BRZ 6MT Location: Rockland, NY Posts: 1,554 Thanks: 740 Thanked 374 Times in 248 Posts Mentioned: 11 Post(s) Tagged: 0 Thread(s)	I think financing with a good down payment is the best way to go, at least for me. A mid 20s dude who has a job and is finishing college.

03-22-2012, 11:22 PM	#25
PSound Member Join Date: Mar 2012 Drives: Toyota Corolla Location: Seattle Posts: 23 Thanks: 0 Thanked 0 Times in 0 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	I probably wouldn't advise anyone to take all their cash and put it in a car. If that is your position, finance it. Do it so that your monthly payments do not impact your ability to continue saving. At the very least, you should continue to put the max in your 401k (that your employer will match).

03-23-2012, 12:29 AM	#27
track_warrior Track Junkie Join Date: Mar 2012 Drives: Faster than the Stig! Location: TX Posts: 1,338 Thanks: 530 Thanked 770 Times in 363 Posts Mentioned: 10 Post(s) Tagged: 0 Thread(s)	All my other cars are paid in full, this will be my first financed car, im only financing if i dont sell my 240sx before i need to pay the dealer. If i sell it i will be paying cash.

03-23-2012, 01:14 AM	#28
subatoy Senior Member Join Date: Oct 2011 Drives: subatoy Location: Atlanta Posts: 667 Thanks: 32 Thanked 198 Times in 106 Posts Mentioned: 5 Post(s) Tagged: 0 Thread(s)	damn I think dropping $25k cash is retarded on a car specially with this economy. Unless you have tons more cash to spare but if you only have $25k mmmm. I'd rather end up paying more due to financing and have all that money in my pocket in case something happens. to each their own.

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