Cloud's car stuff - Page 13

classicman · 09-09-2010, 01:47 PM

well I edited Jim's post and Tony has the band gig and all...

Cloud · 09-19-2010, 02:38 PM

here's a famous juke, showing that it's no joke. In honor of football season and the car which I am impatiently waiting for:

Cloud · 09-23-2010, 07:19 PM

some questions about structuring a loan and paying it off asap (note that I have not yet decided whether to keep my present car too, trade it, or sell it myself):

1) Can I ask for my payments to fall within the second half of the month, regardless of the date I sign the paperwork?

2) What's the best way to make extra payments on the principal? Can I make any old extra payments I want? A little extra a month?

3) If I keep my car, and sell it myself later, can I use that money to make a substantial payment on my principal at that time without penalty?

I realize the answers may be specific to each lender, but loan paperwork is tricky! I want to know what to watch out for and ask.

Happy Monkey · 09-24-2010, 01:48 PM

You ought to be able to prepay as much as you want whenever you want, but double-check anyway.

Clodfobble · 09-24-2010, 03:48 PM

I have definitely been given the option to pick my payment date before, as per question 1.

Lamplighter · 09-25-2010, 10:45 AM

I have a question that is probably not worth it's own thread.

We are looking for a new-to-us used car, and I've seen several listed with less that 10K miles. In checking CarFacts, these 2009-2010 cars were owned by leasing companies.

Why would a company sell off such "new" cars ?
Should we be leary of them as possible pay-me-now or pay-me-later ?

Any comments or PM's would be appreciated

Now back to Cloud's car stuff....

Cloud · 09-25-2010, 03:18 PM

I think you have to be leary of any used cars. Fleet cars have usually been driven pretty hard, by people who don't care about long term performance.

I drove a Mazda3 hatchback today--pretty nice car. Also looked at a VW GTI. Those are my 2d and 3d picks after the Juke. My local dealer said he would get 3 Jukes in October.

xoxoxoBruce · 09-25-2010, 03:23 PM

By expressing early interest you're likely to pay a premium, though.

Undertoad · 09-25-2010, 03:25 PM

Nissan Juke: 117.5 hp/litre, turbocharged
Mazda3 i model: 74 hp/litre "normally aspirated"
Mazda3 s model "upgrade": 68 hp/litre
VW GTI: 100 hp/litre, turbocharged

Cloud · 09-25-2010, 03:26 PM

that's a possibilty I'm aware of yes. But I want to see the damn thing in person, before I make my final decision.

I may wait until a few more of the cars come in, say in December, 'cause I may be able to make a better deal. The car is so well priced and loaded in the first place, though, I think it's a good value for the money.

So, your numbers: are you equating more horsepower per liter = better? The Mazda3 with the 2.5 litre engine has 167 hp; the Juke has 188; and the GTI has 200 hp. In regular hp numbers.

being turbocharged, the Juke and the GTI both take premium fuel.

xoxoxoBruce · 09-25-2010, 03:30 PM

And you want it, damnit.

Cloud · 09-25-2010, 03:31 PM

yeah. trying not to appear too desperate though.

Cloud · 09-25-2010, 08:40 PM

Is it really necessary to drive a new car "gently" for a while to break it in? Some things I've read mention 600 miles, I believe. Eeek! It would take me about (calculates) . . . 4 months of regular driving to reach this number.

What's the purpose of this, and what systems are the most critical to treat gently?

xoxoxoBruce · 09-25-2010, 08:46 PM

No, that went out with sword fightin' & knickers, except take it easy on the brakes for the first few miles.

Cloud · 09-25-2010, 08:58 PM

Here's an article from Popular Mechanics which supports that view Bruce. It does say to change the oil after 20 miles, not to put protectants on new vinyl interiors, and to apply 3m Paint Protection Film to the front painted surfaces. Hmm

http://www.popularmechanics.com/cars...k-in-a-new-car

09-09-2010, 01:47 PM	#1
classicman barely disguised asshole, keeper of all that is holy. Join Date: Nov 2007 Posts: 23,401	well I edited Jim's post and Tony has the band gig and all... __________________ "like strapping a pillow on a bull in a china shop" Bullitt

09-19-2010, 02:38 PM	#2
Cloud ... Join Date: Feb 2007 Posts: 8,360	here's a famous juke, showing that it's no joke. In honor of football season and the car which I am impatiently waiting for: __________________ "Guard your honor. Let your reputation fall where it will. And outlive the bastards!"

09-23-2010, 07:19 PM	#3
Cloud ... Join Date: Feb 2007 Posts: 8,360	some questions about structuring a loan and paying it off asap (note that I have not yet decided whether to keep my present car too, trade it, or sell it myself): 1) Can I ask for my payments to fall within the second half of the month, regardless of the date I sign the paperwork? 2) What's the best way to make extra payments on the principal? Can I make any old extra payments I want? A little extra a month? 3) If I keep my car, and sell it myself later, can I use that money to make a substantial payment on my principal at that time without penalty? I realize the answers may be specific to each lender, but loan paperwork is tricky! I want to know what to watch out for and ask. __________________ "Guard your honor. Let your reputation fall where it will. And outlive the bastards!"

09-24-2010, 01:48 PM	#4
Happy Monkey I think this line's mostly filler. Join Date: Jan 2003 Location: DC Posts: 13,575	You ought to be able to prepay as much as you want whenever you want, but double-check anyway. __________________ _________________ \|...............\| We live in the nick of times. \| Len 17, Wid 3 \| \|_______________\| [pics]

09-24-2010, 03:48 PM	#5
Clodfobble UNDER CONDITIONAL MITIGATION Join Date: Mar 2004 Location: Austin, TX Posts: 20,012	I have definitely been given the option to pick my payment date before, as per question 1. __________________ My book My other book My spirit animal

09-25-2010, 10:45 AM	#6
Lamplighter Person who doesn't update the user title Join Date: Jun 2010 Location: Bottom lands of the Missoula floods Posts: 6,402	I have a question that is probably not worth it's own thread. We are looking for a new-to-us used car, and I've seen several listed with less that 10K miles. In checking CarFacts, these 2009-2010 cars were owned by leasing companies. Why would a company sell off such "new" cars ? Should we be leary of them as possible pay-me-now or pay-me-later ? Any comments or PM's would be appreciated Now back to Cloud's car stuff....

09-25-2010, 03:18 PM	#7
Cloud ... Join Date: Feb 2007 Posts: 8,360	I think you have to be leary of any used cars. Fleet cars have usually been driven pretty hard, by people who don't care about long term performance. I drove a Mazda3 hatchback today--pretty nice car. Also looked at a VW GTI. Those are my 2d and 3d picks after the Juke. My local dealer said he would get 3 Jukes in October. __________________ "Guard your honor. Let your reputation fall where it will. And outlive the bastards!"

09-25-2010, 03:23 PM	#8
xoxoxoBruce The future is unwritten Join Date: Oct 2002 Posts: 71,105	By expressing early interest you're likely to pay a premium, though. __________________ The descent of man ~ Nixon, Friedman, Reagan, Trump.

09-25-2010, 03:25 PM	#9
Undertoad Radical Centrist Join Date: Jan 2001 Location: Cottage of Prussia Posts: 31,423	Nissan Juke: 117.5 hp/litre, turbocharged Mazda3 i model: 74 hp/litre "normally aspirated" Mazda3 s model "upgrade": 68 hp/litre VW GTI: 100 hp/litre, turbocharged

09-25-2010, 03:26 PM	#10
Cloud ... Join Date: Feb 2007 Posts: 8,360	that's a possibilty I'm aware of yes. But I want to see the damn thing in person, before I make my final decision. I may wait until a few more of the cars come in, say in December, 'cause I may be able to make a better deal. The car is so well priced and loaded in the first place, though, I think it's a good value for the money. So, your numbers: are you equating more horsepower per liter = better? The Mazda3 with the 2.5 litre engine has 167 hp; the Juke has 188; and the GTI has 200 hp. In regular hp numbers. being turbocharged, the Juke and the GTI both take premium fuel. __________________ "Guard your honor. Let your reputation fall where it will. And outlive the bastards!"

09-25-2010, 03:30 PM	#11
xoxoxoBruce The future is unwritten Join Date: Oct 2002 Posts: 71,105	And you want it, damnit. __________________ The descent of man ~ Nixon, Friedman, Reagan, Trump.

09-25-2010, 03:31 PM	#12
Cloud ... Join Date: Feb 2007 Posts: 8,360	yeah. trying not to appear too desperate though. __________________ "Guard your honor. Let your reputation fall where it will. And outlive the bastards!"

09-25-2010, 08:40 PM	#13
Cloud ... Join Date: Feb 2007 Posts: 8,360	Is it really necessary to drive a new car "gently" for a while to break it in? Some things I've read mention 600 miles, I believe. Eeek! It would take me about (calculates) . . . 4 months of regular driving to reach this number. What's the purpose of this, and what systems are the most critical to treat gently? __________________ "Guard your honor. Let your reputation fall where it will. And outlive the bastards!"

09-25-2010, 08:46 PM	#14
xoxoxoBruce The future is unwritten Join Date: Oct 2002 Posts: 71,105	No, that went out with sword fightin' & knickers, except take it easy on the brakes for the first few miles. __________________ The descent of man ~ Nixon, Friedman, Reagan, Trump.

09-25-2010, 08:58 PM	#15
Cloud ... Join Date: Feb 2007 Posts: 8,360	Here's an article from Popular Mechanics which supports that view Bruce. It does say to change the oil after 20 miles, not to put protectants on new vinyl interiors, and to apply 3m Paint Protection Film to the front painted surfaces. Hmm http://www.popularmechanics.com/cars...k-in-a-new-car __________________ "Guard your honor. Let your reputation fall where it will. And outlive the bastards!"

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