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Old 06-24-2007, 04:22 PM   #81
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I went out and got a job when i was 15 and got a family loan to buy my 250, sold the 250 and used what i had saved up for my truck. Now im almost ready to buy another bike with the money i made.

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I cant stand to see rich kids acting all balla in their 350z (or other nice car/truck) that mommy and daddy bought them. their might be nicer, but if they got thrown out in the real world, they'd be SOL..
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Old 06-24-2007, 04:53 PM   #82
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All this talk about "paid off" cars is great. But what would seem more intelligent would be someone who takes a car loan, finds a reasonable interest rate, and instead of depleting his or her cash, finds an investment vehicle that has a rate of return higher than the loan interest rate.

Why pay cash for something that depreciates as soon as you drive it off the lot? Make a reasonable monthly payment and leverage your capital by investing.
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Old 06-24-2007, 05:49 PM   #83
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Payments get old quick.. Now if it were a special edition camaro, i'd jump on that till it was paid off and wait till its a classic and then hope to they sell for as much as a mint '69 camaro SS (orwhatever the highest selling model is)
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Old 06-24-2007, 06:59 PM   #84
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Old 06-24-2007, 07:51 PM   #85
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now i'm not going to go wit hyou acting like a a hole to them cause they cool peeps. and a g35 is one of the cars on my wanted list but yours is too. :icon_bigg
lol..thanks for "e backing me up" charles
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Old 06-24-2007, 08:33 PM   #86
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Quote:
Originally Posted by atizzle
All this talk about "paid off" cars is great. But what would seem more intelligent would be someone who takes a car loan, finds a reasonable interest rate, and instead of depleting his or her cash, finds an investment vehicle that has a rate of return higher than the loan interest rate.

Why pay cash for something that depreciates as soon as you drive it off the lot? Make a reasonable monthly payment and leverage your capital by investing.
Because it's generally cheaper than making payments... unless you can get a great interest rate (under 4%).

I bought our Mazda 6 four years ago (in October) and just paid double the monthly payment until it was paid off. That saved me a LOT of money on interest.

And what kind of car is an 'investment car' other than a trailer queen collector car... I can't think of any.
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Old 06-24-2007, 10:12 PM   #87
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Quote:
Originally Posted by Steve O Chap
Because it's generally cheaper than making payments... unless you can get a great interest rate (under 4%).

I bought our Mazda 6 four years ago (in October) and just paid double the monthly payment until it was paid off. That saved me a LOT of money on interest.

And what kind of car is an 'investment car' other than a trailer queen collector car... I can't think of any.
There are lots of investments that do better than 5%.

When I say investment, I am not talking about a car.
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Old 06-24-2007, 10:26 PM   #88
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Quote:
Originally Posted by atizzle
There are lots of investments that do better than 5%.

When I say investment, I am not talking about a car.
Could you please explain for my unlearned a$$. 24 and no GED and never made it past the 9th.
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Old 06-24-2007, 11:39 PM   #89
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Quote:
Originally Posted by atizzle
There are lots of investments that do better than 5%.

When I say investment, I am not talking about a car.
my usaa savings account earns over 4%, 5 is not hard to beat.
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Old 06-25-2007, 06:48 AM   #90
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Originally Posted by 97900rr01f4i
Could you please explain for my unlearned a$$. 24 and no GED and never made it past the 9th.
ru being sarcastic? I'm not trying to be an , just making a point.

There are lots of CD's that earn 5-5.05%. Mutual funds, stocks, real estate (interest payments are tax deductible).
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Old 06-25-2007, 08:01 AM   #91
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real estate. real estate. and lastly real estate. Coupled with a good 401K that is matched by you employer and staying away from credit cards is a good way too go.
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Old 06-25-2007, 08:48 AM   #92
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real estate. real estate. and lastly real estate. Coupled with a good 401K that is matched by you employer and staying away from credit cards is a good way too go.
ill second that.

my townhouses prop. value is slowly rising because of new T-home contruction in my area. my poor next door neighbor is paying almost double my mortgage to rent a nearly identical unit.


and my company matches 100% of 5% ....and 50% of the rest up to 9%.........

its free money, once i'm fully vested of course. sux that not many 23 year olds think in those terms.
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Old 06-25-2007, 09:23 AM   #93
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I moved here from Nashville and the real estate market there is taking off...I flipped a couple houses close to downtown, not even in the greatest area and managed a 40% increase in price in one year on each one. Houston's market is totally different...3-5% increase... but they cost a lot less here...

you got a sweet 401K with the additional match up to 9%
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Old 06-25-2007, 10:26 AM   #94
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Man ive always wanted a sc300 with turbo................but ill stick with my IS300 and slap some boost on it.
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Old 06-25-2007, 01:18 PM   #95
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The SC300 with the twins in it is super quick...I like the custom supercharged SC400...very rare...
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Old 06-25-2007, 08:51 PM   #96
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Quote:
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There are lots of investments that do better than 5%.

When I say investment, I am not talking about a car.
I know what you mean when you say 'investment vehicle' but in the context we were talking (cars and car payments) it wasn't the best choice of words... :laughing6

I've been investing since I got my first job in 2002... my company's stock was $1.01 when I hired on, it's now over $27. My employee stock purchase plan has been 'relatively' beneficial. (note the sarcasm) :icon_bigg
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Old 06-25-2007, 10:02 PM   #97
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Quote:
Originally Posted by Steve O Chap
I know what you mean when you say 'investment vehicle' but in the context we were talking (cars and car payments) it wasn't the best choice of words... :laughing6

I've been investing since I got my first job in 2002... my company's stock was $1.01 when I hired on, it's now over $27. My employee stock purchase plan has been 'relatively' beneficial. (note the sarcasm) :icon_bigg
noice. So I assume you also get to purchase the stock at a slight discount? What's crazy is the stock options upper level management folks get (high enough so, by law, they have to report their stock transactions). I look at some of the big wigs at SLB who exercise millions of options at like $30-$40 per share, then sell it in the $80's per share. It's nuts
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Old 06-25-2007, 10:58 PM   #98
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most of you who posted on this thread are fuken pricks. this guy was showing a pic of his car, and all you little smart decided to run your mouths for ABSOLUTELY NO REASON. you dont consider having a car AND a bike having a "good life"? there are countless threads of peeps posting pics of their cars/ bikes and to flame someone for it? retarded.

welcome new guy. ill tell you this: 95% of the people on this board are not jerkwaters like yoiu saw in this thread. stick around, you'll actually meet some good folks here.

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Old 06-26-2007, 06:48 AM   #99
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Quote:
Originally Posted by Azylum
most of you who posted on this thread are fuken pricks. this guy was showing a pic of his car, and all you little smart decided to run your mouths for ABSOLUTELY NO REASON. you dont consider having a car AND a bike having a "good life"? there are countless threads of peeps posting pics of their cars/ bikes and to flame someone for it? retarded.

welcome new guy. ill tell you this: 95% of the people on this board are not jerkwaters like yoiu saw in this thread. stick around, you'll actually meet some good folks here.



I'm just making a point about how to potentially build some wealth. I assume you are not grouping everyone in this thread into the "fuken " and "goddam retarded" categories.
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Old 06-26-2007, 07:49 AM   #100
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Quote:
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most of you who posted on this thread are fuken pricks. this guy was showing a pic of his car, and all you little smart decided to run your mouths for ABSOLUTELY NO REASON. you dont consider having a car AND a bike having a "good life"? there are countless threads of peeps posting pics of their cars/ bikes and to flame someone for it? retarded.

welcome new guy. ill tell you this: 95% of the people on this board are not jerkwaters like yoiu saw in this thread. stick around, you'll actually meet some good folks here.

Thanks Azylum. I thought that at first...I'm used to being hated on so it doesn't even bother me. Love the helmet on Mt Rushmore by the way.

And what truely gives me my "good life" is my wonderful girlfriend and my 12 year old daughter. everything else is a bonus.
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