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Who REALLY owns their Z???

Originally Posted by Bodytechz Same for me, don't owe a cent. It was my retirement gift to myself, dang wife wouldn't buy it for me geeez. Did you give her

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Old 08-15-2011, 05:26 PM   #1 (permalink)
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Same for me, don't owe a cent. It was my retirement gift to myself, dang wife wouldn't buy it for me geeez.
Did you give her the standard three options and let HER choose?

1. A sports car
2. A motorcycle
3. A mistress

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Old 08-15-2011, 05:32 PM   #2 (permalink)
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I might be the only one who fully financed my car, came out to 36k plus dealer taxes and fees, put around 500 down (only because I had too, dealer said) and the rest is financed for 72 months, @ 2.99 which was the lowest rate they could find any bank offering. Guess ill really "own" my Z when im around 27
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Old 08-15-2011, 06:00 PM   #3 (permalink)
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I might be the only one who fully financed my car, came out to 36k plus dealer taxes and fees, put around 500 down (only because I had too, dealer said) and the rest is financed for 72 months, @ 2.99 which was the lowest rate they could find any bank offering. Guess ill really "own" my Z when im around 27
I put $1,500 down, and got ~15% APR on a ~$33,000 loan, so the total loan amount would've been close to $50,000. Thankfully, CarMax gives you that 3 day shopping window and I was able to get 6% for 60 months
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Old 08-16-2011, 08:36 PM   #4 (permalink)
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Originally Posted by nmjaxx9 View Post
I might be the only one who fully financed my car, came out to 36k plus dealer taxes and fees, put around 500 down (only because I had too, dealer said) and the rest is financed for 72 months, @ 2.99 which was the lowest rate they could find any bank offering. Guess ill really "own" my Z when im around 27
lol you sound like me, just not as much money.
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Old 08-15-2011, 06:45 PM   #5 (permalink)
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I'm 25 put $12k down, financed around $24k @ 3.7%. However i pay 500-700$ month to pay it off early :P
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Old 08-15-2011, 08:27 PM   #6 (permalink)
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I'm 40 and have no payments on my Z.
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Old 08-16-2011, 03:54 AM   #7 (permalink)
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I had an interesting conversation recently with one of our fellow members regarding how much we each were paying per month for our Z. That led me to wonder how many of us were financing or have paid for it outright. For fun, let's take a little survey and see who REALLY owns their Z. So reply if you want! It might be an interesting result.
Not me. I will be honest, if I could have paid for my Z in cash, I would have bought a GT2 or something and financed the difference. While interest rates are low and the economy is shaky, I think now is the time to take on debt as inflation will only help me.
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Old 08-16-2011, 07:56 AM   #8 (permalink)
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wat?

Show me a checking account making 4.25%
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Old 08-16-2011, 08:49 AM   #9 (permalink)
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wat?

Show me a checking account making 4.25%
Yeah, the best you can do is a money market account at under 2% which most are at 1% today I believe.
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Old 08-16-2011, 09:28 AM   #10 (permalink)
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wat?

Show me a checking account making 4.25%


I need to get me one of those!

Bought mine for $28k and paid $17k down. I'm 21 and still go to school while I work part time. Make enough money to pay for my car and all my other bills. Should have the Z paid off soon after I graduate and start working as a full time chemical engineer.
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Old 08-16-2011, 03:14 PM   #11 (permalink)
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wat?

Show me a checking account making 4.25%
All over the place where I live. Here's a link to just one:

4.25% FREE Checking Account Called Lagniappe Checking at Campus Federal Bank- Current Rates, News and Information about Checking Accounts | Go Banking Rates

Open up 2 accounts for a total of $50K at 4.25%. Easy as pie. Seems like half a dozen institutions around me offer it based on the signs I see going down the road passing in front of them.

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The best part is the way he picks specific numbers to add credibility. It's not 4%, it's 4.25483827377938262$2%.

A quick survey of local banks shows current rates between .85 and 1 percent for amounts between 10k and 50k.
No, the best part is how I'm right. 4.25% up to a balance of $25K. Bank's numbers, not mine. You mad? The south sucks in many ways, but in this way, it's beating the crap out of wherever you live, lol.

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Old 08-16-2011, 03:18 PM   #12 (permalink)
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All over the place where I live. Here's a link to just one:

4.25% FREE Checking Account Called Lagniappe Checking at Campus Federal Bank- Current Rates, News and Information about Checking Accounts | Go Banking Rates

Open up 2 accounts for a total of $50K at 4.25%. Easy as pie. Half a dozen institutions around me offer it.
This great checking account rate offer is for locals only living in Louisiana.

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Old 08-16-2011, 03:33 PM   #13 (permalink)
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Originally Posted by theDreamer View Post
This great checking account rate offer is for locals only living in Louisiana.



Where to Find the Best Savings Rates - SmartMoney.com

Look at the bottom, and I promise you that's not all the banks doing 4%+. Look around.

Different banks run different "promos". what they do is offer great rates to attract customers so that they can lend more. Find a bank with a shitty checking interest rate, and they are going to be more happy to issue you a loan. Find a bank with a great checking interest rate, and vice-versa. Back in 2010, for example, my googling reveals that there was a bank in TX that was open to all TX residents that offered over 4% up to $25K. Currently, they have dropped down to 2%. Did you get in on that? Why not?

Well never fear, I did your homework for you just to prove to you and others that if you look around you can put your money to work for you: http://www.banktexas.org/currentrates.htm

There you go. 3.25% up to $10K. Open and available to YOU! But you know what? You probably won't do it anyway, so I'm wasting my time other than to prove to you what you're pissing away in interest with low rates.

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Old 05-14-2013, 01:57 PM   #14 (permalink)
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Check american express savings.. they also have competitive rates.

Quote:
Originally Posted by ImportConvert View Post
Where to Find the Best Savings Rates - SmartMoney.com

Look at the bottom, and I promise you that's not all the banks doing 4%+. Look around.

Different banks run different "promos". what they do is offer great rates to attract customers so that they can lend more. Find a bank with a shitty checking interest rate, and they are going to be more happy to issue you a loan. Find a bank with a great checking interest rate, and vice-versa. Back in 2010, for example, my googling reveals that there was a bank in TX that was open to all TX residents that offered over 4% up to $25K. Currently, they have dropped down to 2%. Did you get in on that? Why not?

Well never fear, I did your homework for you just to prove to you and others that if you look around you can put your money to work for you: Interest Rates & Fees | Tyler - Longview - Kilgore | Texas - TX | BankTexas

There you go. 3.25% up to $10K. Open and available to YOU! But you know what? You probably won't do it anyway, so I'm wasting my time other than to prove to you what you're pissing away in interest with low rates.
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Old 08-21-2011, 11:52 AM   #15 (permalink)
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Originally Posted by Red__Zed View Post
wat?

Show me a checking account making 4.25%
Max Checking from LMCU is 4%...close enough
.
https://www.lmcu.org/max-checking/default.aspx

I have others, this one is just my favorite. You need to donate $5 to ALS of MI or something like that.

I make several thousand a year off interest from multiple HYCA's that are very similar to this particular one. I like to borrow money at low to no interest, and fund these accounts. While high yield SAVINGS accounts have basically vanished since the credit crunch, there are still plenty of high yield checking accounts around. They just require a little more work.

So do I own my Z? No, I guess not. I'd rather have a check for $125 each month. $37,500 x 4% = $1,500/yr. Divide that by 12. Then send me my check please. You can keep the car title...for now.
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