What are your payments a month?
10-14-2008, 06:35 PM
#181
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08 IP G37s
24 mos 1100 out of pocket 524.00 a month
6mt nav tech ras 15k
07 IP M35s
24 mos 1585 out of pocket 568.00 a month
sport nav tech rear entertainment aero things loaded
I love both these cars infniti rocks.
24 mos 1100 out of pocket 524.00 a month
6mt nav tech ras 15k
07 IP M35s
24 mos 1585 out of pocket 568.00 a month
sport nav tech rear entertainment aero things loaded
I love both these cars infniti rocks.
10-14-2008, 07:07 PM
#182
From what I've been reading... most of the people on this forum (from a financial planner's point of view) ought to be purchasing USED Honda civics and paying them off in a year or two and be debt free for years. Do the young folks understand "opportunity cost" and "future value of money"? Instead of paying $7,000 per year in lease/finance costs on a G37... if you paid $3,000 per year on a car and invested the remaining $4,000 per year in an IRA... when it came to retire you'd have $500,000 per year for each year you chose to forego the car bling and invested $4,000! A 4-yr lease could be worth $2 MILLION in retirement (based on stock market 50 yr avg of 10.5%/yr).
Do the young folks understand this? You're not going to be young forever!
Dr.
Do the young folks understand this? You're not going to be young forever!
Dr.
10-17-2008, 12:59 AM
#184
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I agree, I was being really frugal with a well paying job driving a beater and it really sucks. You have to enjoy life, you only got one shot at it. I am now shopping for a g37, just saving up for the downpayment.
10-20-2008, 05:43 PM
#186
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Not everything is about money. I personally would rather enjoy my life as I live it rather then save every penny, drive a beater, wait til I'm 65 to retire & then be too old to be able to enjoy any of the money I have saved up. What a waste of life. I'd rather vacation every year, live in a nice house, drive nice cars, and work til I'm dead rather then pinch every penny, save all my money. Besides, all your savings can become worthless pretty quick as you can see with the state the economy is in.
10-20-2008, 08:43 PM
#188
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Reasonable lease deal
I have negotiated the following:
Invoice + $300
No sales tax (normally 6.25% added to capital cost)
'08 G37 Coupe, w/Premium but not much else
$480/mo for 39 months, 15k/yr miles, no other costs (down, security, etc).
Saving sales tax in Texas is like gettingit for $2,000 below invoice. Normally
there is cost to the buy down of the sales tax, but they are covering that.
MSRP is 40,005. Black with Graphite interior.
Thoughts?
Invoice + $300
No sales tax (normally 6.25% added to capital cost)
'08 G37 Coupe, w/Premium but not much else
$480/mo for 39 months, 15k/yr miles, no other costs (down, security, etc).
Saving sales tax in Texas is like gettingit for $2,000 below invoice. Normally
there is cost to the buy down of the sales tax, but they are covering that.
MSRP is 40,005. Black with Graphite interior.
Thoughts?
Last edited by g35org37; 10-20-2008 at 08:45 PM.
10-21-2008, 07:18 PM
#189
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just got mine today 2008 g37 6mt with every option possible plus 2 sets of mats winter rubber mats and cloth mats plus some little accessiores thrown in. 43,000 out the door plus maintanance package for 60,000 miles, so i dont pay for any services until 30,000 miles. plus i got 0.9 financing. from jimcoleman infiniti over in bethesda md.
monthly 560 a month for 4 yrs put down 15k
monthly 560 a month for 4 yrs put down 15k
10-23-2008, 11:18 PM
#190
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I personally would rather enjoy my life as I live it rather then save every penny, drive a beater, wait til I'm 65 to retire & then be too old to be able to enjoy any of the money I have saved up. What a waste of life. I'd rather vacation every year, live in a nice house, drive nice cars, and work til I'm dead rather then pinch every penny, save all my money.
Dr. (I don't want to keep you guessing. Guess which dad you'll end up? Poor and an idiot I'd say!
)
10-24-2008, 12:03 AM
#191
Yes I'm such an idiot... ROFL you know nothing about me. I couldn't care less what the book Rich Dad, Poor Dad teaches. I live my life how I want to, comfortably.
Exactly why are you driving a G37? Why not keep driving your beater civic and saving money?
Quick question... how old were you when you bought your first piece of real estate?
Exactly why are you driving a G37? Why not keep driving your beater civic and saving money?
Quick question... how old were you when you bought your first piece of real estate?
Last edited by CrazyRuskie; 10-24-2008 at 12:07 AM.
10-24-2008, 02:34 AM
#192
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Yes I'm such an idiot... ROFL you know nothing about me. I couldn't care less what the book Rich Dad, Poor Dad teaches. I live my life how I want to, comfortably.
Exactly why are you driving a G37? Why not keep driving your beater civic and saving money?
Quick question... how old were you when you bought your first piece of real estate?
Exactly why are you driving a G37? Why not keep driving your beater civic and saving money?
Quick question... how old were you when you bought your first piece of real estate?
You know Dr. Sumtin Wong wasn't attacking you, right? He was just making a general statement about saving money. Now, I don't completely agree with his point of view, mostly because:
1) As an upwardly mobile 25 year-old, I won't garner a millionaire's respect in a '92 civic. Sometimes you have look rich to become rich. Thus, the G37 will help me close deals that would have otherwise been lost.
and
2) Factoring the same rate of inflation that we've had over the past 50 years (anyone remember when a soda was a nickel?) into the next 50 years, that (supposed) $2 million ain't gonna buy you squat. Use your own notion of opportunity cost to figure out how that money could have been put to muuuuch greater use.
However, again, the nice Dr. was just being polite and giving you financial advice, which he does for a living. No need to lunge at his throat for it.
10-24-2008, 02:41 AM
#193
You know Dr. Sumtin Wong wasn't attacking you, right? He was just making a general statement about saving money. Now, I don't completely agree with his point of view, mostly because:
1) As an upwardly mobile 25 year-old, I won't garner a millionaire's respect in a '92 civic. Sometimes you have look rich to become rich. Thus, the G37 will help me close deals that would have otherwise been lost.
and
2) Factoring the same rate of inflation that we've had over the past 50 years (anyone remember when a soda was a nickel?) into the next 50 years, that (supposed) $2 million ain't gonna buy you squat. Use your own notion of opportunity cost to figure out how that money could have been put to muuuuch greater use.
However, again, the nice Dr. was just being polite and giving you financial advice, which he does for a living. No need to lunge at his throat for it.
1) As an upwardly mobile 25 year-old, I won't garner a millionaire's respect in a '92 civic. Sometimes you have look rich to become rich. Thus, the G37 will help me close deals that would have otherwise been lost.
and
2) Factoring the same rate of inflation that we've had over the past 50 years (anyone remember when a soda was a nickel?) into the next 50 years, that (supposed) $2 million ain't gonna buy you squat. Use your own notion of opportunity cost to figure out how that money could have been put to muuuuch greater use.
However, again, the nice Dr. was just being polite and giving you financial advice, which he does for a living. No need to lunge at his throat for it.
10-24-2008, 06:25 PM
#195
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