The 370z that never was

omgwtfreally · 06-12-2017, 07:10 PM

So, I feel like I've a made a great mistake not going with the Nismo I feel like I should go with it now rather then later, so I'm asking if I trade in my z how does it work exactly will I still.need like 10k down

OptionZero · 06-12-2017, 07:22 PM

I forgot that you were the dude who took out some insane $35k loan at 12% APR for 7 years

and then started multiple threads about stickers

I believe you also wrote that you were a truck driver and whine about how your car, left parked outside, collected bugs.

I gotta ask

What the hell? Did you somehow skip over all the stuff people wrote in THIS thread:
Brand new 2017 NISMO tech

If you like wasting money, can you just give it to me?

Can everyone read this thread: Brand new 2017 NISMO tech
then come back and help me out

what the hell

I mean in the norcal thread you ACTUALLY wrote that you were disappointed that you saw other Z drivers fail to use their turn signals

i dont even know how you can be a real person

omgwtfreally · 06-12-2017, 07:30 PM

Quote:

Originally Posted by OptionZero

I forgot that you were the dude who took out some insane $35k loan at 12% APR for 7 years

and then started multiple threads about stickers

I believe you also wrote that you were a truck driver and whine about how your car, left parked outside, collected bugs.

What the hell? Did you somehow skip over all the stuff people wrote in THIS thread:
Brand new 2017 NISMO tech

If you like wasting money, can you just give it to me?

Can everyone read this thread: Brand new 2017 NISMO tech
then come back and help me out

what the hell

I mean in the norcal thread you ACTUALLY wrote that you were disappointed that you saw other Z drivers fail to use their turn signals

i dont even know how you can be a real person

Lol stalker, you made me lol thank you, but you also dodged the question I wanna get a Nismo, and then make it the fasstes Nismo in the world lol money is easy, I teach people how to make money driving is just my primary
I gotta ask

OptionZero · 06-12-2017, 07:46 PM

is money were easy, you wouldn't be asking how to buy a ******* Nismo Z

cv129 · 06-12-2017, 08:02 PM

OP surely lives up to his user name lol.

Just buy a Nismo sticker.

Jimbo370 · 06-12-2017, 08:28 PM

2013 370Z Nismo gun Metallic

cv129 · 06-12-2017, 08:37 PM

I like the irony here though...a guy that never should've bought a 370Z to start with bought a "Z that never was". Oh how things come in full circle.

SouthArk370Z · 06-12-2017, 08:37 PM

Quote:

Originally Posted by OptionZero

.. Can everyone read this thread: Brand new 2017 NISMO tech
then come back and help me out ...

Not me. I have better things to do than try to talk a fool out of doing something foolish.

Chuck33079 · 06-12-2017, 08:54 PM

Quote:

Originally Posted by SouthArk370Z

Not me. I have better things to do than try to talk a fool out of doing something foolish.

This. You can't fix stupid.

Chuck33079 · 06-12-2017, 08:56 PM

If you teach people how to make money, how come you don't have enough for yourself?

Jayhovah · 06-12-2017, 09:11 PM

This thread makes me happy.

Chuck33079 · 06-12-2017, 09:22 PM

Quote:

Originally Posted by Jayhovah

This thread makes me happy.

It just confuses me. Op justified his bonehead decision to buy his current z by saying he'd keep it a long time and work his way out of the hole he put himself into. Now he wants to eat the depreciation and roll all his negative equity into a more expensive car.

Every time I think how stupid the average person is, guys like the op remind me that half of the population is even dumber than that.

crazy4oldcars · 06-12-2017, 09:35 PM

Yeah. I got nothin'.
Oh, what the hell. I got a few minutes to waste.
Your car. The one with the outrageous loan terms. My guess is that you owe more than the trade-in value, i.e. you're upside down. That difference gets added to whatever new loan you get.
Credit rating. Your's just took a hit when you bought your car. It takes time for your credit rating to recover. Given the terms of your loan, I'm guessing 1. You don't have a long credit history, and 2. You were pretty close to your "credit limit", the point where your income gets overwhelmed by your debt.
(Don't give me that BS about getting better terms later. If you could get a better deal, you would have.).
Until you pay the loan down to where it's below the value of the car you have, you're only option is to put enough down ("buy down" the loan) to make it affordable. It is actually smarter to do that, since debt grows faster than savings. Smarter is relative.
Smart is not getting in over your head in the first place.
Good luck.

Kirk B.

omgwtfreally · 06-13-2017, 01:27 AM

So, my payments are $778, but I've made 1,000, ima up it to 2500 a month, also I mean I'm not overwhelmed I have 2800 left over each months after expenses

OptionZero · 06-13-2017, 01:32 AM

if only money could buy sense

06-12-2017, 07:10 PM	#1 (permalink)
omgwtfreally Base Member Join Date: Feb 2016 Location: Santa Rosa, CA Posts: 116 Drives: 2017 370z sport+tech Rep Power: 9	The 370z that never was So, I feel like I've a made a great mistake not going with the Nismo I feel like I should go with it now rather then later, so I'm asking if I trade in my z how does it work exactly will I still.need like 10k down

06-12-2017, 07:22 PM	#2 (permalink)
OptionZero A True Z Fanatic Join Date: Apr 2011 Location: Sacramento Posts: 3,225 Drives: 15 370Z Nismo 6MT Rep Power: 214100	I forgot that you were the dude who took out some insane $35k loan at 12% APR for 7 years and then started multiple threads about stickers I believe you also wrote that you were a truck driver and whine about how your car, left parked outside, collected bugs. I gotta ask What the hell? Did you somehow skip over all the stuff people wrote in THIS thread: Brand new 2017 NISMO tech If you like wasting money, can you just give it to me? Can everyone read this thread: Brand new 2017 NISMO tech then come back and help me out what the hell I mean in the norcal thread you ACTUALLY wrote that you were disappointed that you saw other Z drivers fail to use their turn signals i dont even know how you can be a real person omgwtfreally likes this. __________________ OptionZero Build Thread

06-12-2017, 07:46 PM	#4 (permalink)
OptionZero A True Z Fanatic Join Date: Apr 2011 Location: Sacramento Posts: 3,225 Drives: 15 370Z Nismo 6MT Rep Power: 214100	is money were easy, you wouldn't be asking how to buy a ******* Nismo Z scope22 and babyzilla like this. __________________ OptionZero Build Thread

06-12-2017, 08:02 PM	#5 (permalink)
cv129 A True Z Fanatic Join Date: Jul 2011 Location: Dallas, TX Posts: 3,222 Drives: 09 Nismo, 16 Nismo Rep Power: 163995	OP surely lives up to his user name lol. Just buy a Nismo sticker. bbermann and omgwtfreally like this. __________________ Setrab \| RE-71 \| SPL \| JRZ \| Nismo \| ARK \| Whiteline \| RacingBrake \| CJM Oil Pan \| Ti shield

06-12-2017, 08:37 PM	#7 (permalink)
cv129 A True Z Fanatic Join Date: Jul 2011 Location: Dallas, TX Posts: 3,222 Drives: 09 Nismo, 16 Nismo Rep Power: 163995	I like the irony here though...a guy that never should've bought a 370Z to start with bought a "Z that never was". Oh how things come in full circle. babyzilla likes this. __________________ Setrab \| RE-71 \| SPL \| JRZ \| Nismo \| ARK \| Whiteline \| RacingBrake \| CJM Oil Pan \| Ti shield

06-12-2017, 08:28 PM	#6 (permalink)
Jimbo370 Enthusiast Member Join Date: Jan 2014 Location: Florida Posts: 466 Drives: 09 black 370z MT Rep Power: 11	2013 370Z Nismo gun Metallic

06-12-2017, 08:56 PM	#10 (permalink)
Chuck33079 A True Z Fanatic Join Date: Nov 2011 Location: Houston Posts: 12,265 Drives: 2011 370ztt Rep Power: 29539	If you teach people how to make money, how come you don't have enough for yourself? __________________ 2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent

06-12-2017, 09:35 PM	#13 (permalink)
crazy4oldcars Enthusiast Member Join Date: Aug 2016 Location: SE Texas Posts: 448 Drives: '16 Nismo Tech Rep Power: 28413	Yeah. I got nothin'. Oh, what the hell. I got a few minutes to waste. Your car. The one with the outrageous loan terms. My guess is that you owe more than the trade-in value, i.e. you're upside down. That difference gets added to whatever new loan you get. Credit rating. Your's just took a hit when you bought your car. It takes time for your credit rating to recover. Given the terms of your loan, I'm guessing 1. You don't have a long credit history, and 2. You were pretty close to your "credit limit", the point where your income gets overwhelmed by your debt. (Don't give me that BS about getting better terms later. If you could get a better deal, you would have.). Until you pay the loan down to where it's below the value of the car you have, you're only option is to put enough down ("buy down" the loan) to make it affordable. It is actually smarter to do that, since debt grows faster than savings. Smarter is relative. Smart is not getting in over your head in the first place. Good luck. Kirk B.

06-13-2017, 01:27 AM	#14 (permalink)
omgwtfreally Base Member Join Date: Feb 2016 Location: Santa Rosa, CA Posts: 116 Drives: 2017 370z sport+tech Rep Power: 9	So, my payments are $778, but I've made 1,000, ima up it to 2500 a month, also I mean I'm not overwhelmed I have 2800 left over each months after expenses

06-13-2017, 01:32 AM	#15 (permalink)
OptionZero A True Z Fanatic Join Date: Apr 2011 Location: Sacramento Posts: 3,225 Drives: 15 370Z Nismo 6MT Rep Power: 214100	if only money could buy sense Memphis370Z likes this. __________________ OptionZero Build Thread