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Old 04-21-2013, 07:13 AM   #1
R8RFAN R8RFAN is offline
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Quote:
Originally Posted by cdcox View Post
Where can I buy a 4 year old car in good condition for 30% of it's original sticker? Or maybe Dave Ramsey is full of shit.
You probably can't... Especially when you see cars with 200k on Craigslist for over half of their original cost.

You can think of it like this though

New 30k CAR

Payments 400 per
Insurance Bump say 50-100 per month more
Depreciation - at least 100 bucks a week for the first 4 years


That new car cost is around 900 bucks a month not including maintenance
Only way to determine the actual depreciation is by how long you drive it after the payment book is empty. Trade it before it's paid off at fair market value and you just took a high hard one in
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Old 04-19-2013, 10:36 AM   #2
saphojunkie saphojunkie is offline
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I leased my car, which at the time was perfect for me. I have an allotted 15k miles per year, and after three years I have put a total of 16,800 miles on the car.

Since the depreciation is set at the time of the lease, my car will be worth more than the cost to buy it outright from the dealership. It just makes no sense for me not to end up buying out the remainder of the car and then re-selling at a profit.
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Old 04-20-2013, 07:20 PM   #3
lewdog lewdog is offline
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Welp, my car that is 12 years old just broke 80k today!

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Old 04-20-2013, 07:39 PM   #4
R8RFAN R8RFAN is offline
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Originally Posted by lewdog View Post
Welp, my car that is 12 years old just broke 80k today!

I have a 2001 explorer with 41k on it
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Old 04-20-2013, 07:40 PM   #5
lewdog lewdog is offline
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Originally Posted by R8ers View Post
I have a 2001 explorer with 41k on it
Holy shit, I thought I was good!

Impressive.
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Old 04-20-2013, 07:41 PM   #6
Saccopoo Saccopoo is offline
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I'm seriously thinking of selling the car and getting a scooter and a public transporation yearly pass. The ****ing oil companies can suck my dick and the insurance companies can take the snowball after I'm done.
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Old 04-20-2013, 07:51 PM   #7
R8RFAN R8RFAN is offline
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Originally Posted by lewdog View Post
Holy shit, I thought I was good!

Impressive.
I lied it has 46k 80k is good too
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Old 04-20-2013, 07:53 PM   #8
Saulbadguy Saulbadguy is offline
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I'm thinking of just leasing for the rest of my life.
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Old 04-20-2013, 09:30 PM   #9
Deberg_1990 Deberg_1990 is offline
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I'm thinking of just leasing for the rest of my life.
If u always like driving new stuff and don't like having to worry about maintenance, not a bad idea I guess.
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Old 04-20-2013, 10:21 PM   #10
cdcox cdcox is offline
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CarMax lists a 2009 Kia Rio with 48K miles for $10,994. I didn't know new Kia Rio's listed at $35K.
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Old 04-20-2013, 10:22 PM   #11
Bugeater Bugeater is offline
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****, I wouldn't pay that much for one of those things.
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Old 04-20-2013, 10:27 PM   #12
cdcox cdcox is offline
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****, I wouldn't pay that much for one of those things.
Actually new Kia Rios are only like $16.5K sticker with a decent level of options. Cars just don't depreciate that fast anymore.
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Old 04-20-2013, 10:30 PM   #13
Bugeater Bugeater is offline
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As I mentioned earlier, we paid $10,200 for a 5 yr old Camry that originally stickered for around $25k. So that's what, around 40%? And it's a Toyota that generally holds better resale value than other cars. While I think 30% for a 4 yr old car is pushing it, it's not that far off. CarMax isn't exactly the best place to go looking for good deals either.
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Old 04-20-2013, 10:33 PM   #14
cdcox cdcox is offline
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My expenses:

Depreciation: $2000
Insurance: $750
Gas: $1100
Tires and Maintenance: $500

I'm under $4500.
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Old 04-20-2013, 10:47 PM   #15
Bugeater Bugeater is offline
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So exactly how are you supposed to calculate depreciation? When I figured up my cost per year I just spread the cost of the vehicle over the time I owned it, but that still doesn't take into account what I'd get for the vehicle when I sold it. But I don't see how you could accurately calculate depreciation without knowing what you'd get for it either.
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