Aquarium Forum
 


Menu
  · Tropical Fish Home
· Fish News
· Aquarium Forum
· Buy & Sell
· Calculators
· Equipment reviews
· Free Aquarium Ebook
· Feedback
· Link to us
· Photo gallery
· Plant species
· Tropica Plant DB
Tropical fish species
· By Common name
· By Scientific name
Tropical Marine fish
· By Common name
· By Scientific name

_________________
 
      
        Via paypal

  AC news is a part of
      Nature Blog Network

      Reef Aquarium Blog

Privacy & Ad Policy

Articles
  · African Cichlids
· Algae Control
· Aquarium Decoration
· Aquarium Resources
· Aquatic Plants
· Barb Fish
· Betta Fish
· Breeding Fish
· Catfish
· Central American Cichlids
· Cichlids
· Clownfish
· Corals
· Corydoras Catfish
· Discus Fish
· Dwarf Cichlids
· Fish Diseases
· Frogs and Turtles
· Goby Fish
· Goldfish
· Gourami
· Invertebrates
· Jellyfish
· Killiefish
· Lake Victoria Cichlids
· Livebearers
· Malawi Cichlids
· Marine Aquariums
· Marine Aquarium Fish
· Other Fish
· Pleco
· Predatory Fish
· Photography
· Pond Fish
· Responsible Fish Keeping
· Rainbow Fish
· Shark Fish
· South American Cichlids
· Tanganyika Cichlids
· Tetra Fish
· Tropical Fish Food
Page 2 of 3 FirstFirst 123 LastLast
Results 11 to 20 of 27
  1. #11

    Default


    0 Not allowed!
    Quote Originally Posted by imma24 View Post
    If you are able to pay your current car off completely, why wouldn't you do that - save on interest and not owe any money?
    That results in owning the best kind of car there is....PAID FOR.
    When in doubt, do a water change.

    "This ain't rocket science!"

  2. #12

    Join Date
    Apr 2010
    Location
    Seattle Side of the Mountains
    Posts
    2,531

    Awards Showcase

    hopefully this one shows up. - KingFisher It's the closest thing I could find to a snowflake. - Taurus Happy Birthday Girl. Wishing you many more. Ya thats why the Champagne is in play. hehehe - Strider199 For piping up - ~firefly~ Merry Christmas! - ~firefly~ 
    Merry Christmas - Cliff Merry Christmas - gadget228 Thank you and Happy Holidays! - KingFisher Merry x-mas and a Happy New Year Trillianne - Strider199 Happy New Year!!! - Rue 
    Thank you for the birthday wishes. - mommy1 Thanks for the B-Day wish - Strider199 Thanks for the Rep! - steeler1 Thanks, and one for you too. - mommy1 lol - 5 steps to gift giving.  We should eat more bananas... potassium and all that. - KevinVA 
    Here's to one crummy Superbowl, lol! - Slaphppy7 Happy Easter! - Slaphppy7 No Message - Fishhook A Birthday Bunny. - gadget228 Thanks for the rep! :) - Compass 

    Default


    0 Not allowed!
    If you are intent on selling it then use something like nada.com or kbb.com to get an idea of the valuation.

    Having no car payment is definitely a perk. bf hasn't yet been swayed by anything "better" (by virtue of newer) and so we are contemplating the great 200k miles point.

  3. Default


    0 Not allowed!
    The thing is the Kbb Value of the car right now is about 12k I have 10k left on the payments. I just recently figured out that i dont want this car long term( not that its a bad car but for my reason for asking this question) so i was weighing my options. Would any of you sell the car without being able to make a nice down payment for the new car and generally having less money then what the car cost, technically being in the whole for a few years? Thats what i see selling the car right now would land me.
    110g All Male Peacock/Hap Tank

  4. #14

    Default


    0 Not allowed!
    Quote Originally Posted by BiGBlak View Post
    I just recently figured out that i dont want this car long term( not that its a bad car but for my reason for asking this question) so i was weighing my options. Would any of you sell the car without being able to make a nice down payment for the new car and generally having less money then what the car cost, technically being in the whole for a few years? Thats what i see selling the car right now would land me.
    It would appear that you've made up your mind already unless I'm reading you wrong. You have a time limit in mind for how much longer you want to keep it but are debating whether to get rid of it now or wait until what? I think we would each do what made the best financial sense to each one of us.
    46 gal fw tank with black skirt tetras, neon tetras, spotted corys, cherry barbs, otoclinus, snails & 4 amano shrimp - plastic & live plants
    5 gal QT
    Remember: Our job is to take care of the water our fish live in

  5. #15

    Join Date
    Aug 2010
    Location
    Jacksonville, FL
    Posts
    4,413

    Awards Showcase

    It's EOTW Beer Time! - KevinVA Nobody likes to drinl alone :) - steeler58 Back at you,  good sir! - Compass Here's to Lee's 5000 and Guava Flavored Whiskey! - Taurus Why drink alone, when a Sandz is nearby? - KevinVA 
    Sorry to hear of your loss, it always sucks to lose fish. - mommy1 Wish it was a real one, sorry for your loses :( - steeler58 So sorry about your fish! - SeaLady Here is pie. - mommy1 for the one you lost :o( - fishmommie 
    No Message - Fishhook Bottoms up! - Slaphppy7 Thanks, this one is on me - mommy1 Here's to 4,000 posts :) - steeler58 T.G.I.F.! - Slaphppy7 
    TGIF and here's to good whiskey :-) - Taurus Thanks for the rep :) - rebecca_finny pizza for all.  I finished my book today!!! - fishmommie thank you for your help and advice - showmebutterfly Even Monday's are better with severum - showmebutterfly 

    Default


    0 Not allowed!
    So heres the thing... I do this for a living as an Underwriter... I am not going to list my company because that would just be a little to much linkage...

    First the dealer will 90% of the time no do right by you. You will not be able to private sell the car for what you are paying off, second you will not recieve what its worth via trade in and most cars you are looking for will be in a loan to value possition WAY over what THAT newer car is worth. Plus whatever interest and all that that goes with it. KBB public is not the same as NADA private for valuation, as well as not all lenders use NADA.

    Now on the car its self, unless there is something that you just wont live with in the car, thats up to you. I cant make you keep the car but think its what is your best intrest. What I can tell you is that a camry (as stated) is a poor mans lexus. The lexus will last and you treat it gingerly compared to most. The average miles on a unit per year is 15k.

    You obviously have a great head on your shoulders on saving, having 10k in the bank to pay off the vehicle. I would pay it off, live with the car for another 3-5 years and then go with cash money and finance a car at 50% or less of the value. Buy new and go when the dealer is giving away a warranty with the new car. You will then have the dealers warranty + the factory warranty with no cost to you. Feel free to PM me if you want to talk in depth.
    FW: 1 45gal, 1 40gal, 3 10gal, 3 30gal all community tanks of different species
    Sw: 1 55gal, 1 30gal show, 1 29gal show, 1 20gal and 2 10's

  6. #16

    Default


    0 Not allowed!
    Sounds like Sandz knows what he's talking about.

  7. Default


    0 Not allowed!
    Quote Originally Posted by talldutchie View Post
    An infinity G37... wow! That went for 67k US $ here. Interesting to see how vastly different the car market is.
    It was 35,500 brand new here!

  8. Default


    0 Not allowed!
    [QUOTE=Sandz;First the dealer will 90% of the time no do right by you. You will not be able to private sell the car for what you are paying


    I would have to disagree with the above statement.
    In the Houston area a 2004 LS 430 would run between 13,000 to nearly 20,000 used.
    If the OP ows 10K he should be able to sell it for more than he ows and depending on the car and milage he should be able to make 5K or more off the sale. If he used that cash and the 10K in savings he could put a nice downpayment on the Camery.

    Now weather he is better off with the 2004 or a newer car, that only he can answer......

    I personally dont keep cars after a certain age because I dont want the hasle when they start to fail, an honestly I also like having newer cars.Just a personal choice.

    LionelC

  9. Default


    0 Not allowed!
    Quote Originally Posted by Sandz View Post
    So heres the thing... I do this for a living as an Underwriter... I am not going to list my company because that would just be a little to much linkage...

    First the dealer will 90% of the time no do right by you. You will not be able to private sell the car for what you are paying off, second you will not recieve what its worth via trade in and most cars you are looking for will be in a loan to value possition WAY over what THAT newer car is worth. Plus whatever interest and all that that goes with it. KBB public is not the same as NADA private for valuation, as well as not all lenders use NADA.

    Now on the car its self, unless there is something that you just wont live with in the car, thats up to you. I cant make you keep the car but think its what is your best intrest. What I can tell you is that a camry (as stated) is a poor mans lexus. The lexus will last and you treat it gingerly compared to most. The average miles on a unit per year is 15k.

    You obviously have a great head on your shoulders on saving, having 10k in the bank to pay off the vehicle. I would pay it off, live with the car for another 3-5 years and then go with cash money and finance a car at 50% or less of the value. Buy new and go when the dealer is giving away a warranty with the new car. You will then have the dealers warranty + the factory warranty with no cost to you. Feel free to PM me if you want to talk in depth.
    I dont have a problem with the car. The car has 120k miles on it and on KBB qualifies as good not excellent due to parking scars over the years from dumb drivers. i could easily keep it since i dont commute to work i have no problem with it. I just find myself trying to keep the value up instead of working it how a car should be worked. Im basically over the status and the fact that its V8 it guzzles gas so that was part of the reason to down grade. I have 10k in the bank but wouldnt selling the car and being able to have a nice down payment leave me technically in debt because the new car will be more then i actually have ? if so i dont think i will i like to have fall back money in case something goes wrong i have enough money to pay it off or have enough to hold me off until i find a new job. I guess im pretty much stuck on the status of the Lexus and Toyota knowing Lexus uses majority of toyota parts, i just dont feel as comfortable driving it as much as someon would beat up a camry. Renting cars everytime i want to get away because i would rather pay instead of putting miles on the car is getting old but i feel as long as i have it i wont ever get over it.
    110g All Male Peacock/Hap Tank

  10. #20

    Join Date
    Aug 2010
    Location
    Jacksonville, FL
    Posts
    4,413

    Awards Showcase

    It's EOTW Beer Time! - KevinVA Nobody likes to drinl alone :) - steeler58 Back at you,  good sir! - Compass Here's to Lee's 5000 and Guava Flavored Whiskey! - Taurus Why drink alone, when a Sandz is nearby? - KevinVA 
    Sorry to hear of your loss, it always sucks to lose fish. - mommy1 Wish it was a real one, sorry for your loses :( - steeler58 So sorry about your fish! - SeaLady Here is pie. - mommy1 for the one you lost :o( - fishmommie 
    No Message - Fishhook Bottoms up! - Slaphppy7 Thanks, this one is on me - mommy1 Here's to 4,000 posts :) - steeler58 T.G.I.F.! - Slaphppy7 
    TGIF and here's to good whiskey :-) - Taurus Thanks for the rep :) - rebecca_finny pizza for all.  I finished my book today!!! - fishmommie thank you for your help and advice - showmebutterfly Even Monday's are better with severum - showmebutterfly 

    Default


    0 Not allowed!
    It honestly sounds as though you are more attached to the idea of keeping up the value which doesnt diminish by the mile as much as by the months rolling by. I would not rely on a dealer to give me X price for the car. It doesnt hurt however to become or seek out a credit union. If you have established credit with them you will see much more favorable APR%. The dealer marks up deals to make reserve off of the contract you finance as well as they generally pass along bank fees and other $ that you do not need to be paying. If you have a way to consult with a private bank or credit union that you are established with it would turn around my decision to keep the Lexus.

    I understand a V8 is a beast to deal with on gas. I drive a 2012 Camry. I get two weeks worth of gas driving 5miles from the house to work on the V-6 engine. Its not near as much savings as avoiding the idea of the new finance charge, that you will be buying a vehicle that will be declining in value at a faster price (think of the down side of a bell curve), with more financed. You need to consider that the price of the new vehicle will be a good chunk of interest.
    .
    FW: 1 45gal, 1 40gal, 3 10gal, 3 30gal all community tanks of different species
    Sw: 1 55gal, 1 30gal show, 1 29gal show, 1 20gal and 2 10's

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •