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Bionic Man

Colorado

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Joined: 04/03/2009

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Posted: 08/22/19 01:48pm Link  |  Quote  |  Print  |  Notify Moderator

Huntindog wrote:

Jayco-noslide wrote:

Ummmm. Must be like buying a fancy luxury car; Mercedes, BMW. I won't ask you personally and don't want to know, but I'm wondering how many young folks buy and finance these things for a hundred years.
I have not had a car payment in decades. That will remain so going forward.

As for the youngsters.... Starting out they likely need to have car payments. Hopefully many will get off the payment train ASAP.


I just bought an Expedition. Ford Credit finance choices were 0% for 5 years or 1.8% for 6. At those interest rates it would be silly to use your own money.

Congrats on the new ride. I hope it treats you well.


2012 RAM 3500 Laramie Longhorn DRW CC 4x4 Max Tow, Cummins HO, 60 gallon RDS aux fuel tank, Reese 18k Elite hitch
2003 Dodge Ram 3500 QC SB 4x4 Cummins HO NV5600 with Smarty JR, Jacobs EB (sold)
2002 Gulf Stream Sea Hawk 29FRB with Honda EV6010

Huntindog

Phoenix AZ

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Joined: 04/08/2002

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Posted: 08/22/19 02:22pm Link  |  Quote  |  Print  |  Notify Moderator

Bionic Man wrote:

Huntindog wrote:

Jayco-noslide wrote:

Ummmm. Must be like buying a fancy luxury car; Mercedes, BMW. I won't ask you personally and don't want to know, but I'm wondering how many young folks buy and finance these things for a hundred years.
I have not had a car payment in decades. That will remain so going forward.

As for the youngsters.... Starting out they likely need to have car payments. Hopefully many will get off the payment train ASAP.


I just bought an Expedition. Ford Credit finance choices were 0% for 5 years or 1.8% for 6. At those interest rates it would be silly to use your own money.

Congrats on the new ride. I hope it treats you well.
Financing is never free. It is rolled into the price when it is offered. If you look hard enough, you can buy it for less if you forgo the "free" financing

Just one of the many games the car biz plays.



Huntindog
100% boondocking
2010 Palomino Sabre 30 BHDS
84 gal. Grey. 84 gal. Black
2 bathrooms, no waiting
2011 Silverado CC DA big dually.



Bionic Man

Colorado

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Posted: 08/22/19 02:52pm Link  |  Quote  |  Print  |  Notify Moderator

Huntindog wrote:

Bionic Man wrote:

Huntindog wrote:

Jayco-noslide wrote:

Ummmm. Must be like buying a fancy luxury car; Mercedes, BMW. I won't ask you personally and don't want to know, but I'm wondering how many young folks buy and finance these things for a hundred years.
I have not had a car payment in decades. That will remain so going forward.

As for the youngsters.... Starting out they likely need to have car payments. Hopefully many will get off the payment train ASAP.


I just bought an Expedition. Ford Credit finance choices were 0% for 5 years or 1.8% for 6. At those interest rates it would be silly to use your own money.

Congrats on the new ride. I hope it treats you well.
Financing is never free. It is rolled into the price when it is offered. If you look hard enough, you can buy it for less if you forgo the "free" financing

Just one of the many games the car biz plays.


I gave up less than $2000 in rebates for taking the financing. You’re right, it isn’t free. Still makes more sense to do that and use my money in other ways than take the rebate.

The point is, no one way is right for buying a vehicle all the time.

ksss

Eastern Idaho

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Joined: 02/19/2011

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Posted: 08/22/19 03:54pm Link  |  Quote  |  Print  |  Notify Moderator

Bionic Man wrote:

Huntindog wrote:

Jayco-noslide wrote:

Ummmm. Must be like buying a fancy luxury car; Mercedes, BMW. I won't ask you personally and don't want to know, but I'm wondering how many young folks buy and finance these things for a hundred years.
I have not had a car payment in decades. That will remain so going forward.

As for the youngsters.... Starting out they likely need to have car payments. Hopefully many will get off the payment train ASAP.


I just bought an Expedition. Ford Credit finance choices were 0% for 5 years or 1.8% for 6. At those interest rates it would be silly to use your own money.

That is my thought as well. As long as money is cheap, I will use someone elses.

Congrats on the new ride. I hope it treats you well.



2006 GMC 3500 CC 4X4 DRW D/A
2013 Fuzion 342
2011 RZR Desert Tan
2012 Sea Doo GTX 155
2018 Chevy 3500HD CC LB SRW 4X4 D/A
2015 Chevy Camaro ZL1

Hammerboy

Zeeland, MI

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Joined: 02/13/2004

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Posted: 08/22/19 05:34pm Link  |  Quote  |  Print  |  Notify Moderator

Jayco-noslide wrote:

Ummmm. Must be like buying a fancy luxury car; Mercedes, BMW. I won't ask you personally and don't want to know, but I'm wondering how many young folks buy and finance these things for a hundred years.

Some of these young folks are still living with mom and pop.

I know some people always figure a car payment. What I mean by that is when they pay off the vehicle they continue the discipline of making payments to the "vehicle" savings account. Then someday when they decide to trade they have money in the bank as well as the trade in and therefore hopefully a much smaller loan if any. That's what I'm doing anyway, my truck is long payed for so now I just dump money in the account. Still lots of money but kind of spreads it out that way I guess and makes budgeting more consistent.

Dan


2019 Chevy crew LTZ 2500 HD Duramax
2017 Wildcat 29rlx fifth wheel

Huntindog

Phoenix AZ

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Posted: 08/22/19 06:10pm Link  |  Quote  |  Print  |  Notify Moderator

Hammerboy wrote:

Jayco-noslide wrote:

Ummmm. Must be like buying a fancy luxury car; Mercedes, BMW. I won't ask you personally and don't want to know, but I'm wondering how many young folks buy and finance these things for a hundred years.

Some of these young folks are still living with mom and pop.

I know some people always figure a car payment. What I mean by that is when they pay off the vehicle they continue the discipline of making payments to the "vehicle" savings account. Then someday when they decide to trade they have money in the bank as well as the trade in and therefore hopefully a much smaller loan if any. That's what I'm doing anyway, my truck is long payed for so now I just dump money in the account. Still lots of money but kind of spreads it out that way I guess and makes budgeting more consistent.

Dan
Now this is a great plan to get off the payment train.
IMO, financial institutions are VERY good at figuring the time value of money. Much better that the public at large. They certainly have some large expensive properties, paid for with the profits they make loaning money out.


kellem

Shenandoah valley,VA

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Joined: 05/07/2007

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Posted: 08/23/19 06:48pm Link  |  Quote  |  Print  |  Notify Moderator

I'm on my 3rd Red truck in a row. Lol

Congrats on the new beast.

Jayco-noslide

Galesburg,Il., USA

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Joined: 11/24/2004

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Posted: 08/24/19 09:55am Link  |  Quote  |  Print  |  Notify Moderator

Someone said "why use your money" with good financing rates. That's the way the financial and lending business want you to look at it. They want to make it seem that buying something you can't pay for today( doesn't matter if it's a dish washer or an RV) is not only OK but a good idea. Actually it's a bad idea even if the loan is no interest. Once one becomes debt free all sorts of spillover benefits occur which lead to more money in the long run and a good feeling.


Jayco-noslide

BigDinAZ

Arizona

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Joined: 06/14/2019

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Posted: 08/24/19 10:12am Link  |  Quote  |  Print  |  Notify Moderator

Huntindog wrote:

Is on the way.
We pulled the trigger today on a 2020 Silverado High Country 3500 DRW Crew Cab Duramax/Allison 4x4.
Got just about everything but the Sunroof and blackout lights.
Should arrive in 8-10 weeks.


You have just entered the world of slow motion. They days are going to drag, and it's going to be an eternity.

I can't wait to see pictures!

Congrats...


2018 Ram 3500 Laramie Crew-cab Long Box DRW, 6.7L Cummins Diesel, 4:10 rear, 14,000 GVWR, 5,704 Payload, 30,300 GCWR.


2019 Coachmen Chaparral Lite 30RLS, 34', triple slide, 11,000GVWR.


wanderingbob

monticeeo, fla

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Posted: 08/24/19 11:46am Link  |  Quote  |  Print  |  Notify Moderator

Young man next door showed me his new Ford 3500 yesterday , 84 payments , financed for ONLY $800 and change per month , WOW ! I guess we all did it that a way once?

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