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Old July 15th, 2017, 06:20   #271
993er
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Quote:
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Seriously, a clown I work with has a seven year loan on a Silverado that he drives around empty. Crew cab, of course, even though he has no "crew".
I love the last comment. LOL

I am too poor to make car payments to end up paying a few extra grand in interest. I have to pay cash for my cars.

I worked with an idiot who had nothing but ongoing car payments, from one car to the next.

So I told him, once your car is paid for, open up a spare bank account...call it your car account. Now deposit the same payments you made the last 4 or 5 years into your car account and when your car is 8 or 10 years old, you'll have enough saved up for your next car. He said he couldn't afford to do that, yet he can afford to make car payments. Duhhh...
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Old July 15th, 2017, 10:09   #272
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I love the last comment. LOL

I am too poor to make car payments to end up paying a few extra grand in interest. I have to pay cash for my cars.

I worked with an idiot who had nothing but ongoing car payments, from one car to the next.

So I told him, once your car is paid for, open up a spare bank account...call it your car account. Now deposit the same payments you made the last 4 or 5 years into your car account and when your car is 8 or 10 years old, you'll have enough saved up for your next car. He said he couldn't afford to do that, yet he can afford to make car payments. Duhhh...
Duh indeed! Part of the problem is people buying way more vehicle than they really need. When I got my 2016 Golf in Aug. 2015, I really lusted for a GTI. But a base 2-door GTI was $8k more than the base 4-door Golf i got.

The Golf does everything I need a car to do. I didn't feel that the GTI gave me $8k more value, plus it I would have needed to go in hoc for it.

So I paid cash for my base non-GTI Golf and I'm extremely pleased with it; 85% of a GTI based on hp, 115% based on fuel efficiency, and 100% of the utility, even more if you factor in the two extra doors. I was able to pay cash for it with my paid-for trade in. Brand new car, zero payments.

My trick is exactly what you said. Every year, I put $4k into my tax-free savings account. At the end of 5 years, I have enough to pay cash for a new Golf, and with my trade-in value I will be able to upgrade to a Golf wagon next time.

My wife does the same. With the TDI buyback, we now have two Mk 7 Golfs in our driveway, a '16 hatch and a '17 wagon. By sticking to base models, there are zero car payments in our household.

I learned the hard way about payments. Retirement with its reduced income helped concentrate the mind.
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Old July 15th, 2017, 10:27   #273
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By sticking to base models, there are zero car payments in our household.

I learned the hard way about payments. Retirement with its reduced income helped concentrate the mind.
I'm debt-free. Besides, I hate banks and the group that controls them and enslaves people. Also retired and loving it on nickels and dimes.
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Old July 15th, 2017, 10:39   #274
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I taught my kids being in debt is a modern form of slavery. I helped them pick out their first $1k car. As above I also told them to save their money. After a few years they sold the klunker and bought a better car, cash. As their jobs improved so did their savings. They can now pay cash for most things. My oldest daughter paid cash for her home when she got out of the military. She still buys used usable items instead of the flashy new things.
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Old July 18th, 2017, 06:58   #275
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Originally Posted by 993er View Post
I love the last comment. LOL

I am too poor to make car payments to end up paying a few extra grand in interest. I have to pay cash for my cars.

I worked with an idiot who had nothing but ongoing car payments, from one car to the next.

So I told him, once your car is paid for, open up a spare bank account...call it your car account. Now deposit the same payments you made the last 4 or 5 years into your car account and when your car is 8 or 10 years old, you'll have enough saved up for your next car. He said he couldn't afford to do that, yet he can afford to make car payments. Duhhh...
I had a coworker that used to lease everything. Two lease payments every month. He said it was because his wife loved the new car smell. I told him he could get one of the 25 cent trees to hang from the mirror with the "new car" scent and pay the cars off.
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Old July 19th, 2017, 05:25   #276
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I'm debt-free. Besides, I hate banks and the group that controls them and enslaves people. Also retired and loving it on nickels and dimes.
The Group that controls them?
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Old July 19th, 2017, 21:07   #277
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Maybe off topic but.... My loaner of today is a 3.0 liter twin turbo with 400hp.
Think I got whiplash driving to work with it. AWD is a must IMO with that kind of juice.
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Old July 23rd, 2017, 08:27   #278
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I just bought a '17 Honda CR-V for the wife with a 1.5 liter turbo, and the problems of a small turbo engine are really amplified in that big of an SUV (almost mid size) with that small of an engine. As long as you're just cruising, such as highway driving , it gets impressive mpg (33-37mpg). But as we live in a very hilly town, if we just drive around locally, it's not uncommon to get 21-22 mpg. I have to agree that these small turbo designs are there to meet the CAFE standard test, but in the real world perform rather poorly in some conditions.

I will keep driving my TDI until it dies, or something comparable comes along. Heck, maybe I'll hit the lottery and convert my house to solar with a few Powerwalls and get a Tesla Model 3.
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Old July 23rd, 2017, 11:04   #279
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Originally Posted by DrSmile View Post
I just bought a '17 Honda CR-V for the wife with a 1.5 liter turbo, and the problems of small turbo engine are really amplified in that big of an SUV (almost mid size) with that small of an engine. As long as you're just cruising, such as highway driving , it gets impressive mpg (33-37mpg). But as we live in a very hilly town, if we just drive around locally, it's not uncommon to get 21-22 mpg. I have to agree that these small turbo designs are there to meet the CAFE standard test, but in the real world perform rather poorly in some conditions.

I will keep driving my TDI until it dies, or something comparable comes along. Heck, maybe I'll hit the lottery and convert my house to solar with a few Powerwalls and get a Tesla Model 3.
A 1.5 does seem small for a CR-V. However I live in a hilly area and in mostly rural driving on roads posted at 80-90 km/h i get very good fuel efficiency. Currently my long-term average since the MFD reset itself a few weeks ago, is a displayed 5.3 L/100 km. Factoring in the average 0.4 L/100 km optimism of the MFD, that's still a respectable 42 mpg, and is better than what my son's '05 Passat TDI gets. Yesterday my wife filled it up for me and the MFD showed 920 km range after filling, and keep in mind the Mk VII fuel tank is only 50L compared to the Mk VI and before.

No sorcery was necessary to get those numbers. Just follow speed limits, don't tailgate, anticipate lights, drive smoothly. I can't complain!
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