After 5 years of monthly payments to CarMax, I have finally paid off my car! Woohoo! This is the first car in 10 years that wasn't totalled before this happened. Can you tell I am happy?
Too bad my wife's car was totalled a few weeks ago after 15 payments out of 66. We just got her a 2005 Ford Taurus, so I get to repeat the payment experience for another 6 years.
that bad of a driver, eh?
Great, you're basically bragging that you're wasting our world's resources by buying a new car (think the amount of oil that goes into the production of plastics for the body, powering the machinery that makes the car, goes into the gas tanks of the designers who make the craptastic vehicles you're buying) AND you're bragging that you wasted lots of your own money on cars that admittedly have no more value than a used car. Congratulations, you've spent lots and lots of time and money to have a car that is used. If you'd bought the same model car that was 5 years old, you could have paid it off years ago. If you bought the same model car that was 15 years old, it would get better gas mileage, need less work, and last longer. You sure should be proud of yourself for wasting our resources and your money.
you sure know how to put a damper on things.....
Actually, my car is 12 years old (1993 Corsica, 60k miles when bought, 120k miles now) and was bought USED. The new one is USED (25k miles).
I've had more trouble with my curernt car than any other one I have owned with one exception. I've replaced 5 alternators, 2 starters, power steering pump, master cylinder, and a heater core. Currently I have it fixed down to just an oil leak.
I have never bought a new car.
it's usually the other person's fault.
Two teenagers in an SUV crossed at an intersection at a flashing red light. The intersection had had intermittently working traffic lights for a few weeks and both directions have recently finished widening to 4 lanes plus a center turn lane. The police and other denizens of this fair town had reported the lights to the DOT 15 times and nothing had been done. Needless to say, they work now! I'm just glad nobody was hurt. Two days prior to this I had spent $1050 on 'routine maintenance' for this car.
The previous one (2000) occured during a power outage when the other driver failed to stop (or slow down) at an intersection with non-working traffic lights. We had just bought our wedding rings a few hours before. My wife-to-be was bruised quite a bit, I broke my shoulder blade on the door pillar. Physical rehab was FUN! Both times we were on the way to get groceries.
Notice a pattern here?
Tounge-in-cheek, of course, and no offence intended, but perhaps something to ponder.
I agree completely, If you check out my g3 AIO mod you'll see that I'm more than happy to reuse computer parts. I'm actually in the process of converting that AIO to use the guts of a g4 ibook as well so that it's got a little more cajones as well as legacy hardware usage (vnc, usb kvm and a firewire hub are just part of what I'll be doing)
I own no new computers, just new parts as needed.
For the original poster...And as far as assuming that you had a NEW car to pay off...if you're paying on a used car and it takes so long to pay off, I hope you weren't paying more than a few bucks a month. Every car I've ever bought that was more than 8 years old has been less than $1000 and has last a long time! I assumed you were talking new car because you said NEW car and you were talking about your wife's second NEW car (which by the way is A HUGE WASTE OF MONEY...and not just your money, I have to pay almost 4 dollars a gallon because of the use of plastics and inefficient use of petroleum fuels that people like you sponsor)
The price of gas has absolutely nothing to do with the number of cars sold. Gas prices are "officially" affected by refining capacity and crude oil prices...if refining capacity and oil prices go up, so will the cost of gas. Unofficially, and probably more accurately, the price of gas is controlled by the greed of the oil company executives. Just because people buy new cars doesn't mean gas will go up.
And while there are plenty of SUVs out there that are gas-guzzlers, modern cars are much more efficient than those from 15 years ago. And besides, a 15-year-old car, unless parked for most of its life, is going to be less fuel-efficient than when it was new because of wear.
Actually her prior car was a '97 Grand Am.... with very low mileage for that vintage.
It seems that every time I need to replace a car that I do not have the money to do so. If I could pay a few hundred dollars to get another one and I actualy had the money on hand to do so, I would jump on it in a minute. With the current car, and the two prior ones I could get them with no money down which at the time was real important.
Now that I have one paid off, I can start saving for a replacement.
"People like you" is a bit harsh and holier-than-thou, don't you think? Especially when you've already made an incorrect assumption or two.
Let's not crucify anyone just because they bought a car. I mean, if there's this much venom for buying a used car, what sort of malice should be directed to Formula 1 racing, and car racing in general? How carefully do you recycle, and avoid buying plastics? Do you get this upset when someone buys a new printer or computer with all its new plastics?
Not everyone can get by with one car, or no car at all. Those who live sandwiched into urban cores with good mass transit have an advantage there, but if you're a two-career family, and live outside the core, or live downtown but could only find work outside the mass-transit areas, then there's not much choice.
I own two cars, and have a long commute to work, with zero mass transit available to me. Both cars are 10 years old, and both have had their share of problems. My main commuting car is a Geo Metro, which consitently gets 45-50 mpg. The second car is for family trips - something the Geo simply cannot handle - and local shopping trips, again where the Geo simply isn't big enough for things like buying wood at Home Depot. My motivation in getting that Geo was for financial reasons, not altruism. It's great to be good to the environment, but it's also great to be able to pay the mortgage and put food on the table.
And bfurtel, congrats of shrugging off a debt load. Hope this one avoids accidents!
I have 47 more payments before my Ford Focus is paid off, and can only dream of the relief you must be feeling right now. For the time being, I resent my car payment. I'm presently living with a suspended driver's license. DMV's frown on epileptics driving - who would have throught? Though, my seizures have been under control since april, and come the end of October I'll have my license back.
Though, I'll still take mass transit once I'm driving again. I'll strike a fine balance between driving and taking the bus.
Do you not have insurance? Or have the accidents been so bad that repairing the car was not an option?
I don't know where you live Dr. Webster, but here in Pennsylvania, having insurance is required by law to drive.
It's required here in MN too. But there are states that don't require it.
I want to know which states to stay out of....
I have exactly the same setup: 1 93 plymouth minivan, for longer trips and for deliveries for my business, 1 88 subaru for my wife's commuting, both cars less than $800 (total) My point is; if you've got the credit to afford to buy a car, you've got the credit to afford to take a loan to buy a cheap car and use the money saved to pay back the loan. The amount spent on interest or even monthly payments for a $5000 used car (THAT YOU STILL HAVE TO FIX!!!) is SO MUCH more than you'd spend on several crap cars that you'd just replace. If you get lucky, you'd spend $500 on a car, and nothing other than oil changes after that until it died. Or you could spend $1000 on a car and spend like $500 a year to fix it up. EITHER WAY you're doing better if it lasts a few months than ANY car payment could be.
As a matter of fact to the later point I don't agree with buying a new computer or new plastics...everything I own is used (except the guts of machines. I think racing is disgusting and an example of people with little or no talent finding the biggest amplifiers for their minute skills and getting paid to be a whore.
Altruism is for idiots. There is a huge irresponsibility in thinking that you're doing for your family by paying too much for crappy cars. Pay LITTLE for crappy cars and you'll save tons of money to put food on the table.
Stupid Capitalism !=America
Now you're suggesting that people just be wasteful because it's cheap.
I have both collision and liability insurance. In NC liability insurance is required in order to drive. This doesn't neccessarily mean that everyone has it - my dad's car was totalled a few years back by someone without insurance.
In most cases (at least in my experience), if you are making payments on a car you are required to have collision insurance with a $250 minimun deductible.
As far as saving for a replacement for my car, let's just say that one car payment is enough for now. The Grand Am was going to cost $4500 minimum to fix. It wasn't worth much more than that, so the insurance company totaled the car.
For the mass transit poster - there is a bus system here, and that's about it. The service doesn't really cover the whole city. Amtrack has a station in Raleigh, but it is not for city-wide transit, just city-to-city. Part of the problem is that Raleigh keeps annexing areas around it, so it continually grows. I could drive for 20 miles and STILL be in Raleigh.
That doesn't mean much. There is risk from getting nailed by uninsured drivers even in states that require you to have insurance. It may be illegal to drive without insurance, but just remember that it's also illegal to drive over the posted speed limit. And that doesn't stop very many people from speeding.
The ironic thing is that your existance uses far more resources, energy etc that any car or plastic parts in computers.
You do realize that if no one bought new cars there would be no such thing as a cheap used car?
Your oil argument does not hold much weight either.
I drove a 85 Ford Ranger for over 4 years and would get about 15MPG. I used ~1040 Gallons of gasoline a year. So in that 4 years I used 4160 Gallons of gasoline
I bought a used 99 Mazda B3000 that gets 18.5 MPG. I used ~844 Gallons of gas a year in it. I bought it 3 years ago and by the time I owned it 4 years I would have used 3376 Gallons of gasoline.
That is a savings of 784 gallons of gasoline. A barrel of oil makes ~ 19.5 gallons of gasoline. So 40 barrels of oil have been saved. I doubt that it took 40 barrels of oil to make the plastics.
Not to mention that my new truck is much better for the environment than my old one.
On the family aspect. My old truck had 215K miles and I had to work on it all the time. I though about spending 2 grand and buying a cheap one but I would soon again be in the same boat. I am a college student that works part time and the repair time was eating into my studying time. By having more time to study I will do better in school and thus get a better job. So when I do have a family I will be better able to provide for them.
As for the interest. I bought the truck from where a friend of mine was the second in command. He sold it to me for $500 over his cost. By the time it was all said and done I paid $11,000 for it. That truck in similar condition and miles sold for about $14000 - $15000 at other dealers. Total payments including interest will be $13500. So I still come out $500 ahead.
So as you can see every ones situation is different and there are no rules that apply for every one.
As for the OP congratulations. I hope to pay off my truck in the next year and am really looking forward to it.
Congrats! I ain't yet paid off a car that didn't get totalled (did I tell y'all 'bout my wreck?), but I hope to in the next year and a half. I salute you!
Well... mayhap I've had a beer or two... or eight... and mayhap you just found that last nerve o'mine and got right on it... but your post was... well... reckless.
You seem to think that a single person finally doing the financially responsible thing and paying off a vehicle is going to cause the entire world ecology to go down the toilet. To post such nonsense to a celebratory thread is not just rude, but in my humble opinion - ignorant.
I'm in Texas. I can almost guarantee that I pay less for gas than most of y'all cuz I'm closer to most of the refineries in the country than y'all are. I also drive an '02 Honda Civic with 128K miles on it that still gets 38 mpg. But I also know that a single car isn't going to make the difference between "The Day After Tomorrow" and "The Time Machine"...
What do you do, reklus, about the ecology? Do you drive a hybrid vehicle? Do you drive an electic vehicle? Do you even have a vehicle?
I think that people like you, spewing your hot air and noise polution, are the reason that the planet will self-destruct.
"A little less talk, and a lot more action..."
I refuse to drive a hybrid or an electric vehicle because that creates a further market for NEW resources.
I have two vehicles, as it is mentioned.
You're the problem. Only one person doing this isn't the issue. The world is made up of lots of ONE persons doing this over and over again. That's why we're in the state we're in now. (that and your state's beloved ex governer's buddies) People don't see that they're part of a greater whole, they also don't see the amount of stuff that they waste is disproportionately high for americans because "just one person" doesn't make a difference. Most of the rest of the western world is starting to get that we're all part of a bigger picture, but we're still dragging our feet in joining the new cleaner mindset.
You guys just don't get it. I'm not a hippy or an activist or an idealist. I'm a regular 9-6 struggling ass with no money but a better understanding of the big picture than most because I've seen more of the outside world than most. I'll tell some stories sometimes. Let's just say that I've seen both sides of just about every fence (social, economic, legal) at one time or another.
I have followed this post from the beginning and for a post about bfutrel paying off his car and being happy about it and letting other fritters know how happy he is and one less bill to pay. Then we get reklus a real downer on bfutrel's parade. Reklus I see you making a lot of comments but no ideas. Do you have a plan to change things and make it better for all??
You still have not responded to my statement. By suggesting that people buy dirt-cheap old cars, you are promoting vehicles that are more polluting than new cars and are also more likely to end up as trash in a few years. New cars are being made all the time, it doesn't matter if you buy one or not. It doesn't make a whole lot of econonomic sense to buy a new car, but the enviromental impact of a 2005 Jetta TDI, for example, is less than a diesel 1983 Rabbit. Advocating buying used cheap cars and using them for short periods of time is wasteful and will, in the long run, waste many more resources than if you were to purchased a used hybrid, for example.
Most places require PLPD (Personal Liability, Public Damage - or whatever it is called in your part of the world) to legally drive a car. This is insurance that covers you if you hit someone else, or do damage to other property that is not your own. It does not, however, cover your property in an accident that is found to be your fault. You would need Collision insurance, or someother similar coverage.
I would imagine, however, that btrufel would be required to carry extra insurance on his vehicles, as they legally are not wholly owned by him (IE: They have outstanding loans against their titles). I know in my part of the world, many orgamizations will not loan money on a car title unless it has supplementary insurance against damaged caused by the owner. This all depends on what was used for collateral for the car loan, however.
Yep. And one thing missing from many of the arguments about building new cars is that many components of old cars ARE recycled. Used cars aren't pushed into the landfill, they get sent to junkyards and stripped of resellable parts. Then, generally the old parts that the junker parts replaced can be sold back for a core refund and they recycle them (even plastic and glass). When the stripping is done, the car is seperated to glass metal and plastic parts and the shell is crushed and sent to a steel recyler. The glass and plastic get recycled into other products. Much of the steel gets reused to make new card parts or other steel products.
The is exactly the same process being established for the computer market. One fine example is www.surplusexchange.org where I shop for most of my used equipment. BTW: Anybody wanting a G3 266DT for $25 a pop, they've got 'em in spades, and iMac 333's go for $40. P-III boxes go for $40-200 depending on speed & config. If somedthing doesn't sell, it gets stripped and recycled. They ship stuff to the recycler by the large shipping container and semi-trailer load. I know they save thousands of monitors and their eco-unfriendly CRTs from landfills.
Just because something is new doesn't mean that all of it's components were made from materials that are fresh from the mines.
OK, to all of you stating that "new cars will be made..." that's CRAP. If people don't buy so many new cars they won't keep making so many.
For all the recycling fans...Nice thought, but the average new car is made up of a VAST majority of unrecycled materials in mostly unsupervised areas. Little kids building these things tend to not squawk too much about environmental issues.
To those of you saying that old cars are more polluting or get worse gas mileage, that's crap. That may have been true if you bought a car in the late 80's early 90's but the trend has been lately towards cars that fit into exclusion zones, cars that bypass standard regulations by being engineered to be called a different class.
The cars made in the late 80's -90's were so well designed that they (think the old tercel's and sentra's) very rarely broke and when they did it was fairly easy to fix them. If you bought an american car from that time period it is fairly obvious why the imports now dominate. (I don't consider american cars to be feasible purchases)
The cars made nowadays are DESIGNED to be throwaways. Think of all of the foam bumpers and cars crippled by poorly engineered computers.
The cars made nowadays offer less fuel efficiency, even the new hybrid cars get worse gas mileage than my old 87 VW Golf did.
It's fairly obvious that I'm not dealing with people who are willing to think outside their boxes, but that's always the case when talking to consumer-robots.
EDIT: Moose- You're mostly right about the environmental impact of well designed cars like VW's and Volvo's, but SUV's and big cars have none of those environmental benefits you mention-they're just hidden better.
A new car will use resources long before it's even driven. From the designers who use cars to get to their offices,and plastics inside their top of the line new computers, to the machinery to power the factories to the advertising, to the plastics in the new car to every single person who makes a living off of new cars, every step of the way is corrupted by the blood cost of the oil used for energy and production of these plastics.
The oil industry is NOT gasoline. It is everywhere. Every purchase you make that is created using foreign oil drips with the blood of our fellow americans and the innocents killed in the name of progress.
Reklus, you're not going to make any kind of progress in this discussion by making such arrogant and insulting comments.
I don't know at this point what you're actually arguing...you own two used cars, and that pretty much sums up the people you're insulting as well.
Backup your points with examples, not attacks, and I for one would find this thread more enjoyable.
Between this thread and MR's 419eater blog entry (which he was gracious enough to delete), this has been a pretty nasty day for Applefritter.
I've had enough of this. This thread is going nowhere.