Your next car purchase...realistically.

[BigCoolJesus]

Realistically..........umm

I wanna say a '67 Dodge Charger (it is realistic for me, as i have a few potential people to buy from for under $30,000)

but i might just go for newer and got an '06/'07 Dodge Charger (depending on the year i get one)

 

[DivideBYZero]

Originally posted by: DidlySquat

Originally posted by: DivideBYZero

Originally posted by: DidlySquat
ROFL, Saab is cool where lexus is just a wannabe from toyota. And Im not going to even dignify your post by addressing the performance differences

ROFL you drive a GM, based on the passable, but flawed Epsilon platform. Cars sold on that platform are often mainstream value vehicles. Well done, you paid premium for medium. SAAB are about as cool as Satans nut bag.


SAAB 9-3 Aero
0 - 62 mph 6.4 Seconds < EDIT
Top Speed 146 mph

Slowest Lexus:

IS 250
Maximum Speed 144/230 (mph/kmh)
Acceleration 0-62 mph (0-100 km/h) 8.1 sec


Wow, you beat the low end Lexus on paper and fail miserably in dynamics. Nice 'pwnage'. :roll:

it's not just about 0-60, it's about handling, braking, style and comfort. Or do you think that an evo is better than M3 ?

btw, speaking of straight line accelarion, the IS250 is a total joke, even a Mazda3 is faster (and handles way better too) [p/w/n]

Are you trying to OWN yourself? You ask if I think the Evo is better than the M3. Well in some cases it is, but in some it isn't. I'll assume you think the Evo is worse than the M3, but isn't that a little like the SAAB/Lexus comarision? The SAAB is clearly worse than almost ANY Lexus ever made.

SABB, handling. Sorry, had to try those in a sentence together...

 

[rogue1979]

You guys are gonna think I'm crazy. I already have a Z3 2.8 and a X5 in the garage.

I wanna get a new Mustang, they look really sweet. But my significant other says it won't "look right" in the neighborhood, "what will people think if I don't drive a german car?"

God, sometimes I just want to move into a crappy neighborhood just to spite her!

Do I have problems or what?

 

[Doboji]

Originally posted by: rogue1979
You guys are gonna think I'm crazy. I already have a Z3 2.8 and a X5 in the garage.

I wanna get a new Mustang, they look really sweet. But my significant other says it won't "look right" in the neighborhood, "what will people think if I don't drive a german car?"

God, sometimes I just want to move into a crappy neighborhood just to spite her!

Do I have problems or what?

SHENS

 

[mdcrab]

Current wheels:
2005 Honda Accord Coupe V-6 6MT (similar to 2003 shown)

Future:
Ford Shelby GR-1

mdcrab

 

[Svnla]

I think I will get the Acura MDX in a few years <subject to change, of course>. Or I could get the Civic if gas price go above $3 or even $4.

 

[JACKHAMMER]

Originally posted by: DivideBYZero

Originally posted by: DidlySquat

Originally posted by: DivideBYZero

Originally posted by: DidlySquat
ROFL, Saab is cool where lexus is just a wannabe from toyota. And Im not going to even

Are you trying to OWN yourself? You ask if I think the Evo is better than the M3. Well in some cases it is, but in some it isn't. I'll assume you think the Evo is worse than the M3, but isn't that a little like the SAAB/Lexus comarision? The SAAB is clearly worse than almost ANY Lexus ever made.

SABB, handling. Sorry, had to try those in a sentence together...

Just to chime in here, I have driven a 9-3 (current gen, not new) and the IS250 (new) as I was looking at both these for my upcoming car purchase. The SAAb is faster, and it HANDLES better than the IS. The IS had to much slop and body roll for my tastes. Given that, neither of these cars are very good handlers.

 

[PandaBear]

Originally posted by: DidlySquat

ROFL, are you one of those who think that paying cash up front for a car saves you money ? Sorry for using a bad word, but anyone that doesn't understand the concept is a little slow.... do you understand that instead of paying cash, you can take a loan which you pay interest on, but at the same time you can keep the money you saved (by not having to pay it up front) and invest it ? The profitability of this depends of course the interest rate you pay on the loan compared to the after tax returns on your investment, but in many cases you can get a pretty low APR, so your investment returns should be higher. In these cases it makes more sense to NOT PAY CASH UP FRONT. In fact, raryly is there a big difference between paying cash or taking a loan, so in most cases it's actually more convenient to take the loan rather than having to withdraw money from your savings, etc. And btw, I can purchase an Porsche 911 with FULL CASH PAYMENT UP FRONT if I wanted to....

Current autoloan rate for excellent credit (me) and 72 months = 6.4% (wells fargo). That interest you pay is not tax deductable, US Treasury bond yield for 5-10 year is 4.65 at the moment (yahoo.com).

Now you look at it, 6.4% of after tax money (assume 25% tax rate) = 8.53%, this is much higher than the bond yield of 4.65 (tax free). Do you still think you should ALWAYS finance and invest the money elsewhere? You are just giving the government and the bank your earning.

Unless you buy a GM without those insane cashback, you are not going to get 0% loan. Remember, even if you buy a GM, those 2-3k off is GONE if you take 0% financing.

Now, if you already have cash in the bank just sitting, what should you do? Buy an off leased used car is the smartest choice, buying a new car with cash and bargain the heck out of the deal is not bad either. Just search around, you will find many cars that cost 45k new sell for 30k used.

 

[imported_rod]

Originally posted by: DidlySquat

Originally posted by: DivideBYZero

Originally posted by: DidlySquat
ROFL, Saab is cool where lexus is just a wannabe from toyota. And Im not going to even dignify your post by addressing the performance differences

ROFL you drive a GM, based on the passable, but flawed Epsilon platform. Cars sold on that platform are often mainstream value vehicles. Well done, you paid premium for medium. SAAB are about as cool as Satans nut bag.


SAAB 9-3 Aero
0 - 62 mph 6.4 Seconds < EDIT
Top Speed 146 mph

Slowest Lexus:

IS 250
Maximum Speed 144/230 (mph/kmh)
Acceleration 0-62 mph (0-100 km/h) 8.1 sec


Wow, you beat the low end Lexus on paper and fail miserably in dynamics. Nice 'pwnage'. :roll:

it's not just about 0-60, it's about handling, braking, style and comfort. Or do you think that an evo is better than M3 ?

btw, speaking of straight line accelarion, the IS250 is a total joke, even a Mazda3 is faster (and handles way better too) [p/w/n]

EVO pwns M3.
As far as speed goes, the EVO and M# are just as fast as each other (13.7sec 1/4mile & 5.6sec 0-100km (0-60miles)) But the EVO IX out-handles the M3, mainly due to it's AWD (Vs. the M3's RWD). Not to mention, the EVO does all that with a tubro charged 2L straight 4, compared to the M3s 3.2L V6. And one more thing: you can got two EVOs for the price of an M3.

RoD

 

[sitheris]

Current: 05 Accord V6 Coupe
Next (in 5 years): BMW 5 series (realistic), or a BMW M5 if I run into some serious cash by then 🙂

 

[DivideBYZero]

Originally posted by: rod

Originally posted by: DidlySquat

Originally posted by: DivideBYZero

Originally posted by: DidlySquat
ROFL, Saab is cool where lexus is just a wannabe from toyota. And Im not going to even dignify your post by addressing the performance differences

ROFL you drive a GM, based on the passable, but flawed Epsilon platform. Cars sold on that platform are often mainstream value vehicles. Well done, you paid premium for medium. SAAB are about as cool as Satans nut bag.


SAAB 9-3 Aero
0 - 62 mph 6.4 Seconds < EDIT
Top Speed 146 mph

Slowest Lexus:

IS 250
Maximum Speed 144/230 (mph/kmh)
Acceleration 0-62 mph (0-100 km/h) 8.1 sec


Wow, you beat the low end Lexus on paper and fail miserably in dynamics. Nice 'pwnage'. :roll:

it's not just about 0-60, it's about handling, braking, style and comfort. Or do you think that an evo is better than M3 ?

btw, speaking of straight line accelarion, the IS250 is a total joke, even a Mazda3 is faster (and handles way better too) [p/w/n]

EVO pwns M3.
As far as speed goes, the EVO and M# are just as fast as each other (13.7sec 1/4mile & 5.6sec 0-100km (0-60miles)) But the EVO IX out-handles the M3, mainly due to it's AWD (Vs. the M3's RWD). Not to mention, the EVO does all that with a tubro charged 2L straight 4, compared to the M3s 3.2L V6. And one more thing: you can got two EVOs for the price of an M3.

RoD

No it does not convincingly 'out handle' the M3 (which is a straight 6, not a V6). Track times are within a second or less between the two. It does handle very well, that is true, but to drive daily it's a little raw. I say this as a blown Subaru owner, i.e. I know raw 😉

To say a blown 2.0 is better than a 3.2 NA is just daft. A turbocharger creates a similar effect to greater displacement by stuffing more air into a smaller chamber. So when you consider this then they are not so dissimilar.

At 107hp per litre the M3 is pretty impressive for an NA motor. Not as much as the S2000's 120hp per litre, but still good.

 

[DivideBYZero]

And can we please BAN the use of own, pwn, p.w.n, or any variation of? It just shouts 'ignorant' to me.

 

[rogue1979]

Originally posted by: Doboji

Originally posted by: rogue1979
You guys are gonna think I'm crazy. I already have a Z3 2.8 and a X5 in the garage.

I wanna get a new Mustang, they look really sweet. But my significant other says it won't "look right" in the neighborhood, "what will people think if I don't drive a german car?"

God, sometimes I just want to move into a crappy neighborhood just to spite her!

Do I have problems or what?

SHENS

How about you send me your email address and I will send you a photo of the cars, the house, myself with drivers license and a current newspaper with date?

Would that be good enough for you? Then maybe you could post an apology for a very incorrect assumption!

You would think with a substantial amount of posts someone would have the good sense to stick to the topic instead of just crapping on someone who was?

I guess you have a problem with me, my post, or my cars? Well guess what, the significant other wants to buy a Porsche Cayenne pretty badly because the X5 is now three years old. We both own our own businesses and she makes more money then me, so it's pretty much her decision.

Keep in touch and I will send I photo of that also when she buys it.

The Z3 2.8 is a '99 with 35k, the X5 is a 2003 and both are paid for. Sorry about that.....

 

[Twista]

current car- gt 5spd

My next car i wish- 2001 cobra

I really want a 03-04 cobra, but its too much money.

 

[Martin]

ride the rocket baby!
http://ktransit.com/farecards/Canada/images/toronto-tkn02.jpg

 

[Treyshadow]

Go get em' Rogue. Some here just don't believe there are people out there with money.

I currently have a 04 Trailblazer LT and a 2002 Chevy Cavalier (wife's car from college). Now that we have both been out of school for a while (me 7 years, her 3 years) we have been looking to trade in the Cavi. We are looking to jump up significantly in quality level. Originally it was a car, but both of us have gotten significant raises recently (she is an engineer, I am in IT) and with a new baby, we want another SUV/Crossover vehicle.

Currently looking at a Mercedes R500, Audi Q7, Lexus R400h, and the Land Rover LR3 or a basemodel Range Rover sport.

 

[rogue1979]

The R500 is nice, we looked at those too!

 

[phantom309]

Got another kid coming. It'll probably be either a Forester XT or an AWD Dodge Magnum. But not for another year or two.

 

[DidlySquat]

Originally posted by: PandaBear

Originally posted by: DidlySquat

ROFL, are you one of those who think that paying cash up front for a car saves you money ? Sorry for using a bad word, but anyone that doesn't understand the concept is a little slow.... do you understand that instead of paying cash, you can take a loan which you pay interest on, but at the same time you can keep the money you saved (by not having to pay it up front) and invest it ? The profitability of this depends of course the interest rate you pay on the loan compared to the after tax returns on your investment, but in many cases you can get a pretty low APR, so your investment returns should be higher. In these cases it makes more sense to NOT PAY CASH UP FRONT. In fact, raryly is there a big difference between paying cash or taking a loan, so in most cases it's actually more convenient to take the loan rather than having to withdraw money from your savings, etc. And btw, I can purchase an Porsche 911 with FULL CASH PAYMENT UP FRONT if I wanted to....

Current autoloan rate for excellent credit (me) and 72 months = 6.4% (wells fargo). That interest you pay is not tax deductable, US Treasury bond yield for 5-10 year is 4.65 at the moment (yahoo.com).

Now you look at it, 6.4% of after tax money (assume 25% tax rate) = 8.53%, this is much higher than the bond yield of 4.65 (tax free). Do you still think you should ALWAYS finance and invest the money elsewhere? You are just giving the government and the bank your earning.

Unless you buy a GM without those insane cashback, you are not going to get 0% loan. Remember, even if you buy a GM, those 2-3k off is GONE if you take 0% financing.

Now, if you already have cash in the bank just sitting, what should you do? Buy an off leased used car is the smartest choice, buying a new car with cash and bargain the heck out of the deal is not bad either. Just search around, you will find many cars that cost 45k new sell for 30k used.

Well if you insist on taking the highest APR loan and limiting your investments to CDs and bonds, then your interest will be higher than your returns (by a couple of percent only, so even that is not really such a big deal so taking the loan is not really much worse if you connsider the actual amount of the difference). But if you shop around and get a 5% loan, and alos put your money in a NORMAL investment account which SHOULD have a mix of stocks, bonds, cash instruments, etc (go read about that if you don't understand), then you'll most likely get WELL ABOVE 5% RETURNs AFTER TAX. I know I do.

So there you go with your "I pay cash in full" silliness - it's really is no better than taking a loan, and is often worse. btw, do you also keep you money under the mattress ?

 

[Doboji]

Originally posted by: rogue1979

Originally posted by: Doboji

Originally posted by: rogue1979
You guys are gonna think I'm crazy. I already have a Z3 2.8 and a X5 in the garage.

I wanna get a new Mustang, they look really sweet. But my significant other says it won't "look right" in the neighborhood, "what will people think if I don't drive a german car?"

God, sometimes I just want to move into a crappy neighborhood just to spite her!

Do I have problems or what?

SHENS

How about you send me your email address and I will send you a photo of the cars, the house, myself with drivers license and a current newspaper with date?

Would that be good enough for you? Then maybe you could post an apology for a very incorrect assumption!

You would think with a substantial amount of posts someone would have the good sense to stick to the topic instead of just crapping on someone who was?

I guess you have a problem with me, my post, or my cars? Well guess what, the significant other wants to buy a Porsche Cayenne pretty badly because the X5 is now three years old. We both own our own businesses and she makes more money then me, so it's pretty much her decision.

Keep in touch and I will send I photo of that also when she buys it.

The Z3 2.8 is a '99 with 35k, the X5 is a 2003 and both are paid for. Sorry about that.....

Boy thats an awfully high horse... hope you're wearing a helmet.

-Max

 

[Doboji]

This is the most hostile mundane thread I've ever seen.....

 

[SampSon]

Originally posted by: Boztech

Originally posted by: SampSon

Originally posted by: iversonyin

Originally posted by: SampSon
Whatever highpowered AWD car is the best at the time.

http://www.audiusa.com/model_home/0,,bodyStyleId-7,00.html?bodystyle=a8sedan

Can this thing tickle your fancy?

I won't drive a VW/Audi for my daily driver ever again.

Yeah, who would want this..

http://www.autospies.com/article/index.asp?articleId=6868&categoryId=1

:roll:

I never said the new Audis arn't sweet cars, I just won't drive a german car for my daily driver. I just got rid of my 1987 Audi 5000 quattro turbo that I used for a winter car. Nice car but needed more money in maintenence than any other car I've owned. Then there was my modded 1995 GTi vr6, another great car but after a couple thousand dollars in electronic repairs I decided to ditch it (change of career also spurred that sale).

I drive 1,000 miles a week and can't have any downtime. Also I'm not looking to spend over 100K on a superfast, but completely boring styled audi. You would think that Audi would at least attempt to make some significant styling changes. On top of that I wouldn't want to drive a car like that around 1,000 miles a week for work.

Anyway, read the thread title, it says "realistically", so take a chill pill.

 

[Koing]

Originally posted by: DivideBYZero
No it does not convincingly 'out handle' the M3 (which is a straight 6, not a V6). Track times are within a second or less between the two. It does handle very well, that is true, but to drive daily it's a little raw. I say this as a blown Subaru owner, i.e. I know raw 😉

To say a blown 2.0 is better than a 3.2 NA is just daft. A turbocharger creates a similar effect to greater displacement by stuffing more air into a smaller chamber. So when you consider this then they are not so dissimilar.

At 107hp per litre the M3 is pretty impressive for an NA motor. Not as much as the S2000's 120hp per litre, but still good.

Indeed. They are in different classes of cars.

One is a more upmarket fast car and the other is a saloon fast car. The Evo can't sh!ft for sh!t in the higher gear with low revs. Funny I saw a normal 4 door saloon over take it on top gear when the Evo was like this. It doesn't mean the Evo wouldn't kill that car driven properly and harder. Same with the M3. Not as if that has a whole lot of torque lower down like other cars.

You drive both hard and you get fast.

The Evo you could make a lot faster with not much £££.

Do you want an Evo or an M3? Some people want an Evo, and others the M3.

You would be suprised at how well the M3 handles itself around a race track. Check out any Best motoring programme.

Koing

 

[rogue1979]

OK, maybe that did come off as being on a "high horse."

But, remember that was in response to more or less being called a liar.

Other then originally responding to the topic that I wanted a new mustang, I think the point I was trying to get across was that I really liked the mustang and was complaining because my wife really does ride a high horse.

I made my money the old fashion way, and there are many people out there that have much more than I do. My wife on the other hand was born into money, and even though she tries, she really can be impossible about certain aspects. She doesn't do it intentionally. People born into that walk of life just don't know any better and are virtually impossible to change into someone that most of us would classify as more "normal".

Back on topic, that retro mustang is very cool!!

 

[PandaBear]

Originally posted by: DidlySquat

Well if you insist on taking the highest APR loan and limiting your investments to CDs and bonds, then your interest will be higher than your returns (by a couple of percent only, so even that is not really such a big deal so taking the loan is not really much worse if you connsider the actual amount of the difference). But if you shop around and get a 5% loan, and alos put your money in a NORMAL investment account which SHOULD have a mix of stocks, bonds, cash instruments, etc (go read about that if you don't understand), then you'll most likely get WELL ABOVE 5% RETURNs AFTER TAX. I know I do.

So there you go with your "I pay cash in full" silliness - it's really is no better than taking a loan, and is often worse. btw, do you also keep you money under the mattress ?

The best auto loan rate I found so far is 5.59% for 3 year, not 5%. Unless the loan is subsidized by the auto maker you will not get much lower than that.

Yeah, you will MOST LIKELY get above 5% return, but to get an average 5% after tax with no risk in 3 year for sure? I don't know about that. Vanguard High Yield Tax Exempt Fund (VWAHX) is about 5.22%, Lehman 10 Year Muni Bond Index is 4.19% (quote directly from Vanguard).

Now, you add risk (all investment have risk after factoring in inflation, even if you don't invest), overhead, and your 5.22% is not even close to much higher than the 5.59% car loan. Now if you feel like gambling or trading stock, thats your business, and to me "invest" to reduce living expense is always a good way to "invest".

So, what is your dad's NORMAL investment account that constantly get above 5% after tax return with no risk? I am eager to hear about it. I promise I will take out all my cash under the mattress and follow his way, and stop arguing with his precious little son.