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Old 01-12-2013, 12:56 PM   #51
J-hop
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Quote:
Originally Posted by vision.dynamix View Post
My body is all kinds of effed up. During the summer Im on the road working on projects, with a few major ones. I'll have a week of 1-2 hour nights followed by 12-14 hours of sleep in a night. Then back to the 3-4 hours until the next project.

More than 5 hours of sleep on a regular basis makes me groggy from too much sleep.

My businesses are in the cosmetology industry. I have salons and also consult for other salon owners and perspective salon owners on building/improving theirs, and on occasion build new salons to sell.

Its a heavy load, at times too heavy (when multiple deadlines overlap), but I get literally bored with any less.

you could be telling the truth but to be honest, the people I've met that are in similar positions to what you've described don't have time to be wasting on internet forums....
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Old 01-12-2013, 12:58 PM   #52
vision.dynamix
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Quote:
Originally Posted by J-hop View Post
you could be telling the truth but to be honest, the people I've met that are in similar positions to what you've described don't have time to be wasting on internet forums....
Most of my work is done out of a cafe (or in the case of the past week, in a hospital). If I didnt waste time on forums, Id drive myself absolutely insane.

People take life and work too seriously. And many of those people struggle. I manage a heavy load while still being able to have some fun, and I think Im doing alright.
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Old 01-12-2013, 01:05 PM   #53
mikey-WRX
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Deleted so it doesn't derail this thread anymore.

Last edited by mikey-WRX; 01-12-2013 at 01:25 PM.
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Old 01-12-2013, 01:06 PM   #54
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Deleted so it doesn't derail this thread anymore.

Last edited by mikey-WRX; 01-12-2013 at 01:26 PM.
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Old 01-12-2013, 01:06 PM   #55
SenorDucK
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should we all start puffing our chests and stroking our E-Peens!?

It's the internet fellas, you don't have to impress the screen! Most of these people you're never going to meet, and if you do you aren't trying to bed them so why try so hard to impress them?

christ.
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Old 01-12-2013, 01:09 PM   #56
mikey-WRX
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Deleted so it doesn't derail this thread anymore.

Last edited by mikey-WRX; 01-12-2013 at 01:26 PM.
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Old 01-12-2013, 01:11 PM   #57
mikey-WRX
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Back on track,

I want to thank you guys for helping. My wife and I will sit down today and discuss what option we want to go. I think putting down a decent down payment is definitely the way to go but not dumping our entire savings on the car either.

I will post pictures up of the car once I have it
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Old 01-12-2013, 01:33 PM   #58
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Quote:
Originally Posted by mikey-WRX View Post
Back on track,

I want to thank you guys for helping. My wife and I will sit down today and discuss what option we want to go. I think putting down a decent down payment is definitely the way to go but not dumping our entire savings on the car either.

I will post pictures up of the car once I have it
Smash her in the head with a frying pan then go get an STi.
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Old 01-12-2013, 01:51 PM   #59
mikey-WRX
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Originally Posted by Napalm3nema View Post
Smash her in the head with a frying pan then go get an STi.
LOL

My wife just read that...she isn't saying much... She gave me a look.
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Old 01-12-2013, 03:12 PM   #60
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im not too sure where the whole "if you finance a vehicle you cant afford it" notion is coming from, but who would want to plop down ~30k for a car? i know i wouldnt. some people are comfortable with monthly payments. i know im very comfortable with monthly payments @1.79% for 50 months for around 415.xx.
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Old 01-12-2013, 04:04 PM   #61
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I'm an astrophysicist who hangs out with Steven Hawking. When I'm not debating him, I go to med school and run several successful businesses. So with all my cash, I bought a few houses and stuff. When I'm not doing all that, I have plenty of time to rack up well over 10K posts on a car internet forum. And I'm not even 25 yet.

Just thought you guys would like to know.

Edit: ok, I lied .... I'm just a 35 year old cop with a wife, 2 kids, a dog, and only 1 house. Guess I suck.
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Old 01-12-2013, 04:10 PM   #62
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Quote:
Originally Posted by Xer0 SiN View Post
im not too sure where the whole "if you finance a vehicle you cant afford it" notion is coming from, but who would want to plop down ~30k for a car? i know i wouldnt. some people are comfortable with monthly payments. i know im very comfortable with monthly payments @1.79% for 50 months for around 415.xx.
Not financing a car is actually a very foolish decision. Time value of money has a big part to due with it.. If you drop xx,xxx amount on a car, you are essentially wasting it because that money could go towards other things that make you money.. That is why people who win the lottery always do cash payout instead of yearly pay.
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Old 01-12-2013, 05:44 PM   #63
Tonyturkey716
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2013 WRX Base Hatch with fog lights as the only option;

Ordered 12/27/12

25,714 for car with fog lights before taxes and all.

OTD I'm paying 27,817 before calculating my trade it.

Edit: I'm putting a large down payment on the car (more then half) and figuring out financing once car is closer to coming in.
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Old 01-12-2013, 06:05 PM   #64
Napalm3nema
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If you are planning on keeping this 'long term', and you have a nice downpayment, why not get a base STi?
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Old 01-12-2013, 06:31 PM   #65
superwhale
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Hi Mike. I bought mine from Subaru of Ontario, in Southern California.

Year: 2013
Type: WRX / 5 door - Limited
Color: SWP (Satin White Pearl)
Any Added Accessories: Auto Dimming Mirror W/ Compass
Cost BEFORE Taxes: $28,300
DownPayment: $15,000
I went through USAA because it was a lower rate, and I knew I wouldn't get screwed durring finance.

Off the top of my head my out the door cost was $31K and some change, taxes get you.

By the way I couldn't rationlize another $10K for a 6speed and 40 more horsepower (The STI).

The 5speed has a good gear ratio. I came from a 6speed GTI and prefer this 5speed over the 6speed.

The order took about 9 weeks from the time I placed the order until I went and picked it up.

Thanks,

-Corey
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Old 01-12-2013, 07:08 PM   #66
cdumitru78
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Mikey - the hatch is also a great choice if you're about to have a kid. We can fit all sorts of crap in the hatch, rear facing baby seat fits well, although a bit cramped, it works well. Don't wait until the kid is already born, thats what I did, or you might make some poor decisions, lack of sleep stinks! I got lucky and ended up finding exactly what I wanted on a dealer's lot exactly 4 days after the kid was born, and somehow it all worked out. I think I got lucky though, I was so frikin tired that day, easy to make dumb decisions.

Good luck and make sure you post some pics!
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Old 01-12-2013, 07:45 PM   #67
ThrawlWRX
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All power to you bro! Hit up costco and join their auto program if you want an easy time buying a car.

Year: 2013
Type: WRX ( 5 door) - Limited
Any Added Accessories: STI lip, comp/dim/mirror, armrest ext, cargo tray, sidemoldings, SPT exhaust.
Cost: $30,400 car w/ accessories. Not including tax/warranty/fees.
DownPayment: $17,000
Offered Interest Rate 1.9%
Negotiated Interest Rate: 1.44%
Term of Contract: 60 months

This % isn't normal though, the finance guy commended a few times how they don't see scores like mine much anymore. But I chalk that up to how boring I am and how I saved all the money I would have spent modding my bugeye for the past 6 years; so I think you and I are in a similar boat. Ignore the masses and enjoy what you can provide for yourself and your family.
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Old 01-13-2013, 12:59 AM   #68
mikey-WRX
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Quote:
Originally Posted by Xer0 SiN View Post
im not too sure where the whole "if you finance a vehicle you cant afford it" notion is coming from, but who would want to plop down ~30k for a car? i know i wouldnt. some people are comfortable with monthly payments. i know im very comfortable with monthly payments @1.79% for 50 months for around 415.xx.
Thanks for posting what you pay man. You got a killer interest rate!

Yeah I agree. I am comfortable with monthly payments as well.
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Old 01-13-2013, 01:00 AM   #69
mikey-WRX
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Quote:
Originally Posted by GrumpyPitbull View Post
I'm an astrophysicist who hangs out with Steven Hawking. When I'm not debating him, I go to med school and run several successful businesses. So with all my cash, I bought a few houses and stuff. When I'm not doing all that, I have plenty of time to rack up well over 10K posts on a car internet forum. And I'm not even 25 yet.

Just thought you guys would like to know.

Edit: ok, I lied .... I'm just a 35 year old cop with a wife, 2 kids, a dog, and only 1 house. Guess I suck.


My father is a Detective for Phoenix . Sounds like you have a great family!
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Old 01-13-2013, 01:13 AM   #70
mikey-WRX
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Quote:
Originally Posted by Llama_ View Post
Not financing a car is actually a very foolish decision. Time value of money has a big part to due with it.. If you drop xx,xxx amount on a car, you are essentially wasting it because that money could go towards other things that make you money.. That is why people who win the lottery always do cash payout instead of yearly pay.
Yeah exactly. In my economics class in college we used buying a car as an example. Its good to have some down payment but to go overboard with the downpayment can also be bad. As you mentioned, once you tie up all that money into a car you are essentially losing your ROI since cars depreciate over the years.

Quote:
Originally Posted by Tonyturkey716 View Post
2013 WRX Base Hatch with fog lights as the only option;

Ordered 12/27/12

25,714 for car with fog lights before taxes and all.

OTD I'm paying 27,817 before calculating my trade it.

Edit: I'm putting a large down payment on the car (more then half) and figuring out financing once car is closer to coming in.
Sounds like you got a killer deal. I will use your example also for leverage.

Quote:
Originally Posted by Napalm3nema View Post
If you are planning on keeping this 'long term', and you have a nice downpayment, why not get a base STi?
Haha you guys may talk me into it. On a serious note, I am keeping my '97 Mitsubishi 3000gt VR4 which I have paid off. Its my horsepower car and I am currently adding a MAFT 2.02 with a SAFC II. I am adding larger injectors also and doing some preventative maintenance such as sparks, o2's etc.

As far as a STi goes...I, of course, would LOVE to own one but its just not practical for me at the moment since I am keeping the VR4 also.

Quote:
Originally Posted by superwhale View Post
Hi Mike. I bought mine from Subaru of Ontario, in Southern California.

Year: 2013
Type: WRX / 5 door - Limited
Color: SWP (Satin White Pearl)
Any Added Accessories: Auto Dimming Mirror W/ Compass
Cost BEFORE Taxes: $28,300
DownPayment: $15,000
I went through USAA because it was a lower rate, and I knew I wouldn't get screwed durring finance.

Off the top of my head my out the door cost was $31K and some change, taxes get you.

By the way I couldn't rationlize another $10K for a 6speed and 40 more horsepower (The STI).

The 5speed has a good gear ratio. I came from a 6speed GTI and prefer this 5speed over the 6speed.

The order took about 9 weeks from the time I placed the order until I went and picked it up.

Thanks,

-Corey
Hey Corey,

Thanks for posting! Yeah I can see your point with the STi and is why I haven't rationalized on getting one. As I posted above, I am keeping my VR4 as my fix for modding and HP. The WRX is a very good car and I have always loved the sound of them. I can't wait to own one...but am doing the smart thing on waiting to get my income tax first. Just can't be too safe.

Quote:
Originally Posted by cdumitru78 View Post
Mikey - the hatch is also a great choice if you're about to have a kid. We can fit all sorts of crap in the hatch, rear facing baby seat fits well, although a bit cramped, it works well. Don't wait until the kid is already born, thats what I did, or you might make some poor decisions, lack of sleep stinks! I got lucky and ended up finding exactly what I wanted on a dealer's lot exactly 4 days after the kid was born, and somehow it all worked out. I think I got lucky though, I was so frikin tired that day, easy to make dumb decisions.

Good luck and make sure you post some pics!
Haha I hear you cdumitru. My wife and I actually test drove a 5 door and we liked it quite a bit. Seems like the steering ratio was pretty good too. My wife was leaning towards the 5 door because she wants a place to put our dogs. Unfortunately, the back was a little crammed so that won't work out well.

See that's exactly what I am telling my wife. I DO NOT want to wait till our baby is born to go and do that. The last thing I want to do is spend a day or four talking to the dealer while I had a newborn at home...with little sleep. Sounds like you made a good deal though and congrats on the baby! I can't wait for ours

Quote:
Originally Posted by ThrawlWRX View Post
All power to you bro! Hit up costco and join their auto program if you want an easy time buying a car.

Year: 2013
Type: WRX ( 5 door) - Limited
Any Added Accessories: STI lip, comp/dim/mirror, armrest ext, cargo tray, sidemoldings, SPT exhaust.
Cost: $30,400 car w/ accessories. Not including tax/warranty/fees.
DownPayment: $17,000
Offered Interest Rate 1.9%
Negotiated Interest Rate: 1.44%
Term of Contract: 60 months

This % isn't normal though, the finance guy commended a few times how they don't see scores like mine much anymore. But I chalk that up to how boring I am and how I saved all the money I would have spent modding my bugeye for the past 6 years; so I think you and I are in a similar boat. Ignore the masses and enjoy what you can provide for yourself and your family.
Sounds good man! Sounds like we are in the same boat as in one car being your mod-fixing car, and the other being a DD...but still fast and awesome lol. Those bugeye Subaru's are sick also!
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Old 01-13-2013, 01:33 AM   #71
Napalm3nema
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Honestly man, the VR4 was a fun car for its time, but I think you would be more than happy with just having an STi, and modding it over time. The allure of driving an AWD car will make it harder and harder to turn on the VR4 as time goes on.

Just get the STi. I've had a laundry list of performance cars, and this is the only one I've ever paid off and intend keeping for as long as it will stay in one piece. 105k on it and it drives like new.
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Old 01-13-2013, 01:54 AM   #72
Xer0 SiN
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mikey: if you have ties to, or you yourself are in the military, try looking into getting the loan with navy fed. the credit union is top notch, and thats who i got my brand new truck financed with. i dont have the best credit but qualified for the 1.79%, i was shocked to say the least. other good ones are, penfed, nasa fcu, digital fcu, and usaa.
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Old 01-13-2013, 03:02 AM   #73
DearDiaryJackpot
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metallic silver

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Quote:
Originally Posted by mikey-WRX View Post

Well to each it's own.

If it works for you then that's all that matters. I was going to get a limited edition but going to get a base instead. My wife starts graduate school in the fall... And with our baby coming we decided to go a little basic at first to be safe. The WRX will be our only car payment so that helps.
Thats also our difference. I don't have a kid and my wife she is also a nurse. But with kids. Yes I would have chosen the base. Anyway your fun factor and mine are the same and that's what count.
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Old 01-13-2013, 09:43 AM   #74
ThrawlWRX
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Location: BFIE
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2013 GR LTD & 03 GD
SWP / PSM

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Quote:
Originally Posted by Jyu87 View Post
Not one single car new car is a good investment. We are all making horrible financial decisions
Technically true most of the time. The only real exception I see would be how long you keep it. Buying used and changing cars every 4-5 years is about the same as buying new and keeping it for 8-9 years. What you would save buying used is usually spent on repairs since your out of warranty pretty quickly. What you waste buying new is made up in the later years when you can then keep the car payment as part of the budget and that becomes your down 3-4 years later. But most people I see or talk to tend to trade in new cars every 3-4 years on avg which is actually a bad move in the long term regardless of whether it's bought outright or financed for 36 months.

Last edited by ThrawlWRX; 01-13-2013 at 09:54 AM.
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Old 01-13-2013, 09:53 AM   #75
scoops86
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Vehicle:
2013 WRX Hatch
DGM

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Good Luck on your sale! The key is being prepared, patience, willingess to say "no", multiple offers from other dealers and good research.

Year: 2013
Type: WRX 5 Door Premium
Any Added Accessories: Short Shifter
Cost: $27,500 (not OTD)
DownPayment: 7,000
Offered Interest Rate: They didnt even bother to match my Credit Union Rates since it was so low.
Credit Union Interest Rate: 1.49%
Term of Contract: 60 months
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