My 350z got totaled =(

czirrfb · 11-27-2014, 02:07 PM

Dammit your right. Im going to have to suck it up and just not be a 370z owner. Which isnt too bad I guess, I mean I barely drive that much anywas, 80% of owning that vehicle it will just be sitting outside parked getting dirty.

ssmoked · 11-27-2014, 03:18 PM

If I were in your financial situation, I would just get a beater and sell it when I have at least 10k for reserves. You can prob sell the beater more than you paid for it, doubt you can do that with the 370. I also don't think getting a motorcycle is a good idea if you ever want settlement from pain and suffering. Insurance company with try to screw you over in all possible ways.

At the end of the day, a car is a depreciating asset, don't go in deep debt for something that keeps on losing money.

Regarding the interest rate, a salesman will tell you anything for your signature. In a year your APR prob drop by half a percent, then what are you going to do? And don't forget any refinance fees.

The best way to build credit is getting store credit cards and use it once a month and pay it off right away.

Just my .02 from my finance background

czirrfb · 11-27-2014, 03:23 PM

Well what sort of beater car do you guys suggest? I dont wanna spend over $4,000.

ssmoked · 11-27-2014, 03:53 PM

Civic

victort · 11-27-2014, 03:59 PM

civics and corollas make great beaters

czirrfb · 11-27-2014, 04:10 PM

Ugh im gonna be so embarassed driving around a beat up old civic for a year, but it will be worth it so I can save $ for a real car....

Its like ill be 16 again, im 25 now, id like to progress with my life and get a sweet ride. My very first car was a 1996 honda civic.

ssmoked · 11-27-2014, 04:57 PM

Quote:

Originally Posted by czirrfb

Ugh im gonna be so embarassed driving around a beat up old civic for a year, but it will be worth it so I can save $ for a real car....

Its like ill be 16 again, im 25 now, id like to progress with my life and get a sweet ride. My very first car was a 1996 honda civic.

Andddd that's why most ppl in America are deep in debt... Sigh

victort · 11-27-2014, 04:20 PM

nothing wrong with driving a civic around

ShutokuZ · 11-27-2014, 06:48 PM

Bro, first and foremost, I am glad you were able to walk away from that horrific incident. That other person should be locked up for a long time for what they did to you and I applaude you for dealing with it the way you are. Also, still being relatively young and able to recognize that buying a 370 can put you in a financial position that could go south quick, is a good thing.
Now, you don't have to be ashamed about driving a "beater" for a year or so, to get your life and finances in a good position. Before I got married, I sold my cherished Evo IX and bought a beater to save for the wedding. I only spent 3k on a Honda Del Sol and drove it until I got married. It was crappy, but did have 202whp

Anyways, do what you need to do now, so you can do what you want to do later.....

edliaszenik · 11-27-2014, 07:58 PM

I picked my 12 370z nismo 12500miles up for $19k

ssmoked · 11-27-2014, 08:05 PM

Quote:

Originally Posted by edliaszenik

I picked my 12 370z nismo 12500miles up for $19k

That seems way too low for 12' nismo. Rebuilt title?

edliaszenik · 11-27-2014, 08:08 PM

Definitely not a typical deal though. Just saying there are deals out there.

czirrfb · 11-27-2014, 09:38 PM

Today was a crappy day. I decided to buy a bike off craigslist, I found a nice looking one for $180 it seemed ok, so I rode it around a bit, then stuff started falling off and the back tire broke.

So there goes $180 down the drain, looks like I wont be biking it to work....

ssmoked · 11-27-2014, 10:50 PM

Quote:

Originally Posted by czirrfb

Today was a crappy day. I decided to buy a bike off craigslist, I found a nice looking one for $180 it seemed ok, so I rode it around a bit, then stuff started falling off and the back tire broke.

So there goes $180 down the drain, looks like I wont be biking it to work....

....

czirrfb · 11-28-2014, 07:30 AM

Yeah I only live 4.5 miles from work, and Phoenix weather is pretty nice. So I thought riding a bike for a while would be a solid option. Looks like I will just have to use the Uber app. Its gonna be like $10 for a ride to work according to the app.

11-27-2014, 04:10 PM	#6 (permalink)
czirrfb Base Member Join Date: Nov 2014 Location: Phoenix Posts: 162 Drives: 03 Nissan 350z DB M6 Rep Power: 11	Ugh im gonna be so embarassed driving around a beat up old civic for a year, but it will be worth it so I can save $ for a real car.... Its like ill be 16 again, im 25 now, id like to progress with my life and get a sweet ride. My very first car was a 1996 honda civic. Last edited by czirrfb; 11-27-2014 at 04:12 PM.

11-27-2014, 04:20 PM	#8 (permalink)
victort Base Member Join Date: Jan 2009 Location: Los Angeles Posts: 192 Drives: MB Rep Power: 17	nothing wrong with driving a civic around NoirG likes this.

11-27-2014, 06:48 PM	#9 (permalink)
ShutokuZ Track Member Join Date: Oct 2012 Location: Honolulu Posts: 512 Drives: 2013 PW 6MT Sport Rep Power: 14	Bro, first and foremost, I am glad you were able to walk away from that horrific incident. That other person should be locked up for a long time for what they did to you and I applaude you for dealing with it the way you are. Also, still being relatively young and able to recognize that buying a 370 can put you in a financial position that could go south quick, is a good thing. Now, you don't have to be ashamed about driving a "beater" for a year or so, to get your life and finances in a good position. Before I got married, I sold my cherished Evo IX and bought a beater to save for the wedding. I only spent 3k on a Honda Del Sol and drove it until I got married. It was crappy, but did have 202whp Anyways, do what you need to do now, so you can do what you want to do later..... Ghostvette likes this.

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11-27-2014, 02:07 PM	#1 (permalink)
czirrfb Base Member Join Date: Nov 2014 Location: Phoenix Posts: 162 Drives: 03 Nissan 350z DB M6 Rep Power: 11	Dammit your right. Im going to have to suck it up and just not be a 370z owner. Which isnt too bad I guess, I mean I barely drive that much anywas, 80% of owning that vehicle it will just be sitting outside parked getting dirty.

11-27-2014, 03:18 PM	#2 (permalink)
ssmoked Enthusiast Member Join Date: Jun 2011 Location: California Posts: 487 Drives: Charger Hellcat Rep Power: 15	If I were in your financial situation, I would just get a beater and sell it when I have at least 10k for reserves. You can prob sell the beater more than you paid for it, doubt you can do that with the 370. I also don't think getting a motorcycle is a good idea if you ever want settlement from pain and suffering. Insurance company with try to screw you over in all possible ways. At the end of the day, a car is a depreciating asset, don't go in deep debt for something that keeps on losing money. Regarding the interest rate, a salesman will tell you anything for your signature. In a year your APR prob drop by half a percent, then what are you going to do? And don't forget any refinance fees. The best way to build credit is getting store credit cards and use it once a month and pay it off right away. Just my .02 from my finance background

11-27-2014, 03:23 PM	#3 (permalink)
czirrfb Base Member Join Date: Nov 2014 Location: Phoenix Posts: 162 Drives: 03 Nissan 350z DB M6 Rep Power: 11	Well what sort of beater car do you guys suggest? I dont wanna spend over $4,000.

11-27-2014, 03:53 PM	#4 (permalink)
ssmoked Enthusiast Member Join Date: Jun 2011 Location: California Posts: 487 Drives: Charger Hellcat Rep Power: 15	Civic

11-27-2014, 03:59 PM	#5 (permalink)
victort Base Member Join Date: Jan 2009 Location: Los Angeles Posts: 192 Drives: MB Rep Power: 17	civics and corollas make great beaters

11-27-2014, 07:58 PM	#10 (permalink)
edliaszenik Base Member Join Date: Sep 2014 Location: Honolulu, HI Posts: 184 Drives: 2012 NISMO 370Z Rep Power: 11	I picked my 12 370z nismo 12500miles up for $19k

11-27-2014, 08:08 PM	#12 (permalink)
edliaszenik Base Member Join Date: Sep 2014 Location: Honolulu, HI Posts: 184 Drives: 2012 NISMO 370Z Rep Power: 11	Definitely not a typical deal though. Just saying there are deals out there.

11-27-2014, 09:38 PM	#13 (permalink)
czirrfb Base Member Join Date: Nov 2014 Location: Phoenix Posts: 162 Drives: 03 Nissan 350z DB M6 Rep Power: 11	Today was a crappy day. I decided to buy a bike off craigslist, I found a nice looking one for $180 it seemed ok, so I rode it around a bit, then stuff started falling off and the back tire broke. So there goes $180 down the drain, looks like I wont be biking it to work....

11-28-2014, 07:30 AM	#15 (permalink)
czirrfb Base Member Join Date: Nov 2014 Location: Phoenix Posts: 162 Drives: 03 Nissan 350z DB M6 Rep Power: 11	Yeah I only live 4.5 miles from work, and Phoenix weather is pretty nice. So I thought riding a bike for a while would be a solid option. Looks like I will just have to use the Uber app. Its gonna be like $10 for a ride to work according to the app.