Need help!!! With this 370z purchase...PLEASE!!!

FPenvy · 01-31-2014, 08:41 AM

Lease? really syno?

synolimit · 01-31-2014, 09:24 AM

Quote:

Originally Posted by FPenvy

Lease? really syno?

$400 a month or $600 a month? You tell me? Easy pick for me

Buy it now or be forced to save up over $11,000 for a down payment to match the lease monthly? I don't know about you but I'll buy it now and be happy. If that means $2000 more over the payment period or $250 a year, or $20.8 a month because I didn't save $11,000 cash, then so be it. I don't hear everyone saying credit cards are "really syno?"

Chuck33079 · 01-31-2014, 09:27 AM

Quote:

Originally Posted by synolimit

$400 a month or $600 a month? You tell me? Easy pick for me

Buy it now or be forced to save up over $11,000 for a down payment to match the lease monthly? I don't know about you but I'll buy it now and be happy. If that means $2000 more over the payment period or $250 a year, or $20.8 a month because I didn't save $11,000 cash, then so be it. I don't hear everyone saying credit cards are "really syno?"

I didn't address that because saying credit card debt is bad is kinda like saying water is wet.

It's $400 a month and you don't own the car at the end of the lease, or $600 and you get the title in the mail after the last payment clears. How is that even a comparison?

synolimit · 01-31-2014, 09:50 AM

Quote:

Originally Posted by Chuck33079

I didn't address that because saying credit card debt is bad is kinda like saying water is wet.

It's $400 a month and you don't own the car at the end of the lease, or $600 and you get the title in the mail after the last payment clears. How is that even a comparison?

You own the car the whole time!! It's yours to buy whenever and sell whenever. You seem like you're in finance. How do you not know this? A lease on this is 38 months, then I'll buy it for a new buy loan. Vs most that buy for 5-6 years. I'm not that far off to get my title on the last payment.

Chuck33079 · 01-31-2014, 09:53 AM

Quote:

Originally Posted by synolimit

You own the car the whole time!! It's yours to buy whenever and sell whenever. You seem like you're in finance. How do you not know this? A lease on this is 38 months, then I'll buy it for a new buy loan. Vs most that buy for 5-6 years. I'm not that far off to get my title on the last payment.

You own it? At the end of the lease your name is on the title? Do we have different definitions of ownership? You're correct, you have the ability to sell the vehicle at any point. That doesn't mean you're the owner. You can sell you house at any point, but until you make the last payment the bank is the owner.

synolimit · 01-31-2014, 10:11 AM

Quote:

Originally Posted by Chuck33079

You own it? At the end of the lease your name is on the title? Do we have different definitions of ownership? You're correct, you have the ability to sell the vehicle at any point. That doesn't mean you're the owner. You can sell you house at any point, but until you make the last payment the bank is the owner.

As much as any guy that would own a buy during 5-6 years while still paying. Forget the lease part. Worry about time frame. If you buy and I lease then buy, we're in the same boat. I pay less but slightly more over time. You pay more but slight less over time. Pick your poison. To each their own, geeez.

FPenvy · 01-31-2014, 10:14 AM

Quote:

Originally Posted by synolimit

As much as any guy that would own a buy during 5-6 years while still paying. Forget the lease part. Worry about time frame. If you buy and I lease then buy, we're in the same boat. I pay less but slightly more over time. You pay more but slight less over time. Pick your poison. To each their own, geeez.

well for a guy who cant love a car enough to keep it for more than a year or less then divorce part you mentioned earlier makes sense now.

Chuck33079 · 01-31-2014, 10:15 AM

Quote:

Originally Posted by synolimit

As much as any guy that would own a buy during 5-6 years while still paying. Forget the lease part. Worry about time frame. If you buy and I lease then buy, we're in the same boat. I pay less but slightly more over time. You pay more but slight less over time. Pick your poison. To each their own, geeez.

Shall we now add in opportunity cost to keep the debate going until the mods shut this sucker down?

Even better- let's assume any differences are invested. And we need to bring in taxes too. How complicated can we make this word problem? A train leaves Albuquerque travelling at 167 mph.....

FPenvy · 01-31-2014, 09:28 AM

Quote:

Originally Posted by synolimit

$400 a month or $600 a month? You tell me? Easy pick for me

Buy it now or be forced to save up over $11,000 for a down payment to match the lease monthly? I don't know about you but I'll buy it now and be happy. If that means $2000 more over the payment period or $250 a year, or $20.8 a month because I didn't save $11,000 cash, then so be it. I don't hear everyone saying credit cards are "really syno?"

ummmmm yea in the end you give your stuff back. i own mine.........and for less money than you WASTED on yours.

i'll put it in these terms. you pay for the hooker, get the sex, and in the end she leaves. it's nice but you just end up having to do it again.

me.....i just own that bitch.

synolimit · 01-31-2014, 09:59 AM

Quote:

Originally Posted by FPenvy

ummmmm yea in the end you give your stuff back. i own mine.........and for less money than you WASTED on yours.

i'll put it in these terms. you pay for the hooker, get the sex, and in the end she leaves. it's nice but you just end up having to do it again.

me.....i just own that bitch.

Ummmmm no you don't. I can buy the car tomorrow. I can sell it tomorrow. I can buy at lease end. Or I can give nissan the keys and walk. (I'll buy it at some point in time but I could also just trade in it for the brand new 2016 Z in 30 months and owe nothing). PS I haven't wasted anything yet!! Not till AFTER I buy the car and pay interest on the buy loan after its fully paid off. Then I'll have spent $20.80 a month more than you. Big deal.

But you owning that bitch can have issues if you want a divorce early. My divorce is written in stone in 38 months total and I have a prenup letting me pay ZERO

. And if the car gods smile upon me and it holds its value, that bitch owes me money

but that's not gonna happen because nissan screwed us all with the 14 price drop. So instead of eating $3600 in 38 months like 13 buyers will, I walk I zero.

FPenvy · 01-31-2014, 10:03 AM

Quote:

Originally Posted by synolimit

Ummmmm no you don't. I can buy the car tomorrow. I can sell it tomorrow. I can buy at lease end. Or I can give nissan the keys and walk. (I'll buy it at some point in time but I could also just trade in it for the brand new 2016 Z in 30 months and owe nothing). PS I haven't wasted anything yet!! Not till AFTER I buy the car and pay interest on the buy loan after its fully paid off. Then I'll have spent $20.80 a month more than you. Big deal.

But you owning that bitch can have issues if you want a divorce early. My divorce is written in stone in 38 months total and I have a prenup letting me pay ZERO

. And if the car gods smile upon me and it holds its value, that bitch owes me money

but that's not gonna happen because nissan screwed us all with the 14 price drop. So instead of eating $3600 in 38 months like 13 buyers will, I walk I zero.

wait wait wait........

why would i marry a hooker i'm pimping out.

c'mon bro.....you cant make a ho a house wife.

with all this finance talk you'd think you'd at least get the hooker part of the story right. geez.

now you for sure lost.

exsanity · 01-31-2014, 09:51 AM

Quote:

Originally Posted by synolimit

$400 a month or $600 a month? You tell me? Easy pick for me

Buy it now or be forced to save up over $11,000 for a down payment to match the lease monthly? I don't know about you but I'll buy it now and be happy. If that means $2000 more over the payment period or $250 a year, or $20.8 a month because I didn't save $11,000 cash, then so be it. I don't hear everyone saying credit cards are "really syno?"

I paid cash outright.. :shrug:

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