So what kind of vehicle(s) does everyone drive?!

08/02/2007 03:55:11 PM · #126

Originally posted by noisemaker:

Thats just jumping to conclusions :P
I think I`m a pretty good driveer actually.

Let's pretend you really do defy the curve and are a nearly perfect driver at the remarkably tender age of 17.

What about everyone else in your high school parking lot? Do you trust them not to ding your car? Do you trust them not top rear end you while gunning the engine impatiently behind you? Do you trust them not to soap it or cover it with mustard on lunch hour? Or not to sit on its hood while sneaking a smoke break, denting it and scratching it with the rivets on their jeans?

And heck, let's pretend that you do trust your reckless peers around a brand new BMW. As a male under the age of 25, your insurance rates are going to be sky high with a normal car. With a BMW, they'll be thoroughly astronomical. Can you afford the premium, on top of your already really high monthly car payment?

That car will cost you a fortune and will be trashed within six months, and that you claim to be a good driver has nothing to do with it. Get a beater.

Message edited by author 2007-08-02 15:56:36.

08/02/2007 04:01:20 PM · #127

Originally posted by noisemaker:

Originally posted by Spazmo99:

Originally posted by noisemaker:

Originally posted by Spazmo99:

Originally posted by noisemaker:

Originally posted by Spazmo99:

Originally posted by noisemaker:

Originally posted by smardaz:

Originally posted by noisemaker:
So what do you all drive.

since i have a learners license right now i drive my moms Ford F150 truck and my girlfriends dad's BMW 850i, and i have decided i most like am getting a BMW 320i convertible for myself! it was just imported from japan and its super nice so i might get it

so yeah what doyou all drive?

a lerners permit and you're gonna get a bmw? i am a firm believer that your first car should be a clunker...you need to work up to a nice car like my 75 pinto that was my first...anyway heres my car

haha! why should i get a beater as a first car? When I can get something better and will last much longer?

Because when you're done with it, it will be a beater.

fuuny joke! why would you say that

Because it all likelihood it's true.

Why do you think young drivers have skyhigh insurance rates? Because they run into stuff, that's why.

Playing bumper cars in the parking lot doesn't keep a nice BMW looking nice.

Thats just jumping to conclusions :P
I think I`m a pretty good driveer actually.
My girlfriends dad is completely fine with my driving his BMW 850i and i drive it all the time, and same with my moms 06 Ford F150 triton.

Most teenagers think they're good drivers, they also believe they're bulletproof too.

Aside from all of that, BMW's, even used, are pretty pricey vehicles. They not only cost more to buy, but they cost more to insure (especially for teenage drivers), maintain and repair. Why not save some of your money and buy photo gear, save for college or taking your girlfriend out.

I know I`m good because my girlfriends dad who is a well seasoned driver has taught me and says im good, i don`t think im bulletproof, i don`t do stupid stuff while im driving, i have never sped once, im a careful driver.
and I already have a BMW here ready for me to buy, it was imported from Japan and its in very good condition, everything has been tuned up and the timing belt was just replaced, its a BMW 320i convertible, im getting it for $8500 CDN which is a really good price. I`m buying a car so I can be independant and do whereever whenever, I have enough gear to make me happy right now, having a vehicle will open up doors for me in the photography business aswell, and I have decided to not go to post secondary, and i take my girlfriend out all the time already thank you very much!

If you're starting a photography business, you're going to need all the money you can get, having a BMW is not going to give you an edge over having a beater.

KarenNfld

08/02/2007 04:08:26 PM · #128

Chevy Venture, 2005.

Fujifilm XF 55-200mm f/3.5-4.8 R LM OIS

08/02/2007 04:08:30 PM · #129

Originally posted by Rebecca:

Originally posted by noisemaker:
Thats just jumping to conclusions :P
I think I`m a pretty good driveer actually.

Let's pretend you really do defy the curve and are a nearly perfect driver at the remarkably tender age of 17.

What about everyone else in your high school parking lot? Do you trust them not to ding your car? Do you trust them not top rear end you while gunning the engine impatiently behind you? Do you trust them not to soap it or cover it with mustard on lunch hour? Or not to sit on its hood while sneaking a smoke break, denting it and scratching it with the rivets on their jeans?

And heck, let's pretend that you do trust your reckless peers around a brand new BMW. As a male under the age of 25, your insurance rates are going to be sky high with a normal car. With a BMW, they'll be thoroughly astronomical. Can you afford the premium, on top of your already really high monthly car payment?

That car will cost you a fortune and will be trashed within six months, and that you claim to be a good driver has nothing to do with it. Get a beater.

Highschools are way different now(at least mine) no one hangs out in the parking lot and in my 3 years there no one has soaped a car or anything like that, I`m not worried at all about that.
and for the insurance, how do you know that since its a Beamer insurance will be super high.. its not a super powerful engine, its a BMW M20 engine(straight-6). it has backseats as well, I was willing to pay more when i was going to import a Honda Beat in, which is a small 2 seater sports car.

ursula

Fujifilm X-T2

08/02/2007 04:10:06 PM · #130

Red Subaru Impreza, 05, manual transmission. Love it, it's my favourite car ever.

Message edited by author 2007-08-02 16:20:20.

Elaine

Canon EOS R5

Canon EF 24-105mm f/4.0L IS II USM Lens

08/02/2007 04:15:18 PM · #131

Blue Toyota Prius. 44 miles per gallon in a hilly city. Makes filling up hurt a little less! My 18 year old son drives a Scion xB. There are quite a few on the road these days, but they still draw attention.

08/02/2007 04:15:41 PM · #132

Originally posted by noisemaker:

Originally posted by Rebecca:

Originally posted by noisemaker:
Thats just jumping to conclusions :P
I think I`m a pretty good driveer actually.

Let's pretend you really do defy the curve and are a nearly perfect driver at the remarkably tender age of 17.

What about everyone else in your high school parking lot? Do you trust them not to ding your car? Do you trust them not top rear end you while gunning the engine impatiently behind you? Do you trust them not to soap it or cover it with mustard on lunch hour? Or not to sit on its hood while sneaking a smoke break, denting it and scratching it with the rivets on their jeans?

And heck, let's pretend that you do trust your reckless peers around a brand new BMW. As a male under the age of 25, your insurance rates are going to be sky high with a normal car. With a BMW, they'll be thoroughly astronomical. Can you afford the premium, on top of your already really high monthly car payment?

That car will cost you a fortune and will be trashed within six months, and that you claim to be a good driver has nothing to do with it. Get a beater.

Highschools are way different now(at least mine) no one hangs out in the parking lot and in my 3 years there no one has soaped a car or anything like that, I`m not worried at all about that.
and for the insurance, how do you know that since its a Beamer insurance will be super high.. its not a super powerful engine, its a BMW M20 engine(straight-6). it has backseats as well, I was willing to pay more when i was going to import a Honda Beat in, which is a small 2 seater sports car.

It's a BMW, they're expensive to fix so insurance for an inexperienced male driver (the group with the highest accident rates by far) is gonna cost you a lot more. Since the insurance company is taking a bigger risk, they want you to give them more reward.

You must have a great job for a 17 year old.

08/02/2007 04:17:48 PM · #133

Originally posted by Spazmo99:

Originally posted by noisemaker:

Originally posted by Rebecca:

Originally posted by noisemaker:
Thats just jumping to conclusions :P
I think I`m a pretty good driveer actually.

Let's pretend you really do defy the curve and are a nearly perfect driver at the remarkably tender age of 17.

What about everyone else in your high school parking lot? Do you trust them not to ding your car? Do you trust them not top rear end you while gunning the engine impatiently behind you? Do you trust them not to soap it or cover it with mustard on lunch hour? Or not to sit on its hood while sneaking a smoke break, denting it and scratching it with the rivets on their jeans?

And heck, let's pretend that you do trust your reckless peers around a brand new BMW. As a male under the age of 25, your insurance rates are going to be sky high with a normal car. With a BMW, they'll be thoroughly astronomical. Can you afford the premium, on top of your already really high monthly car payment?

That car will cost you a fortune and will be trashed within six months, and that you claim to be a good driver has nothing to do with it. Get a beater.

Highschools are way different now(at least mine) no one hangs out in the parking lot and in my 3 years there no one has soaped a car or anything like that, I`m not worried at all about that.
and for the insurance, how do you know that since its a Beamer insurance will be super high.. its not a super powerful engine, its a BMW M20 engine(straight-6). it has backseats as well, I was willing to pay more when i was going to import a Honda Beat in, which is a small 2 seater sports car.

It's a BMW, they're expensive to fix so insurance for an inexperienced male driver (the group with the highest accident rates by far) is gonna cost you a lot more. Since the insurance company is taking a bigger risk, they want you to give them more reward.

You must have a great job for a 17 year old.

i see what you mean, but I was expecting high insurance, but here in BC, Canada we have really strict learner licensing you need to go through so it wouldnt be as high as you`d expect...

and i do have a great job, I`m a camera salesman.

08/02/2007 04:20:25 PM · #134

Because my mother works in insurance, and I work with vehicle loans and see the insurance certificates.

If it doesn't have a high safety rating (no convertible does), the rates are high.

If it's a high-end brand, the rates are higher.

If you're a male under the age of 25, the rates are higher still.

All these things are cumulative.

Whether you want to believe it or not, your high school peers don't give a rats ass about your car and will be more than happy to unthinkingly throw their doors open into your side panels. If adults can't handle this behavior in an apartment complex (you should see the dents in my Subaru), then kids are going to be even worse. You're seriously deluded if you believe otherwise.

And by the way, do you have a garage to park it in, or will it be exposed to the elements?

And in the winter - will you still be driving it? Because driving a convertible in the winter just makes you look trashy and a bit stupid. Convertibles should never be primary vehicles.

And if you ignore all logic and still get this car, the camera equipment for your new photography business will be very easily stolen from the backseat - all it takes is a box cutter to get in. (Which is another ka-ching for the insurance company, by the way - higher rate for being a thoroughly insecurable vehicle.)

You really have not thought this through at all, and as usual you're being overly arrogant as though you clearly know better than a bunch of people who have been there.

smardaz

08/02/2007 04:24:21 PM · #135

Originally posted by noisemaker:

well this is going farther than i intended, i was mostly joking in regard to you, but if you can afford it than go for it. I do believe its good to start low but as long as your paying for it yourself thats the big thing cuz than you will appreciate it more, my teenage step daughter asked if she could have our rx-8 when she got her license, after i stopped laughing i told her that i never planned on getting rid of it and if she wanted a car like that she could live and work and go thru beater cars like i did and buy one herself..builds character y'know? :)

PhotoDave

Canon EF 70-200mm f/2.8L IS USM II

08/02/2007 04:24:48 PM · #136

My current car:

Unfortunately the engine is out for rebuilding atm.

our daily driver is the silver 02' Saturn behind my son..

Gona have to buy something again for the winter though as the Camaro will never see another snowflake :)

08/02/2007 04:25:39 PM · #137

Originally posted by noisemaker:

That earns you enough to cover a car payment, insurance as well as maintenance and service on a BMW?

08/02/2007 04:27:23 PM · #138

Originally posted by smardaz:

Originally posted by noisemaker:

Originally posted by Spazmo99:

Originally posted by noisemaker:

Originally posted by Spazmo99:

Originally posted by noisemaker:

Originally posted by Spazmo99:

Originally posted by noisemaker:

Originally posted by smardaz:

Originally posted by noisemaker:
So what do you all drive.

since i have a learners license right now i drive my moms Ford F150 truck and my girlfriends dad's BMW 850i, and i have decided i most like am getting a BMW 320i convertible for myself! it was just imported from japan and its super nice so i might get it

so yeah what doyou all drive?

a lerners permit and you're gonna get a bmw? i am a firm believer that your first car should be a clunker...you need to work up to a nice car like my 75 pinto that was my first...anyway heres my car

haha! why should i get a beater as a first car? When I can get something better and will last much longer?

Because when you're done with it, it will be a beater.

fuuny joke! why would you say that

Because it all likelihood it's true.

Why do you think young drivers have skyhigh insurance rates? Because they run into stuff, that's why.

Playing bumper cars in the parking lot doesn't keep a nice BMW looking nice.

Thats just jumping to conclusions :P
I think I`m a pretty good driveer actually.
My girlfriends dad is completely fine with my driving his BMW 850i and i drive it all the time, and same with my moms 06 Ford F150 triton.

Most teenagers think they're good drivers, they also believe they're bulletproof too.

Aside from all of that, BMW's, even used, are pretty pricey vehicles. They not only cost more to buy, but they cost more to insure (especially for teenage drivers), maintain and repair. Why not save some of your money and buy photo gear, save for college or taking your girlfriend out.

I know I`m good because my girlfriends dad who is a well seasoned driver has taught me and says im good, i don`t think im bulletproof, i don`t do stupid stuff while im driving, i have never sped once, im a careful driver.
and I already have a BMW here ready for me to buy, it was imported from Japan and its in very good condition, everything has been tuned up and the timing belt was just replaced, its a BMW 320i convertible, im getting it for $8500 CDN which is a really good price. I`m buying a car so I can be independant and do whereever whenever, I have enough gear to make me happy right now, having a vehicle will open up doors for me in the photography business aswell, and I have decided to not go to post secondary, and i take my girlfriend out all the time already thank you very much!

well this is going farther than i intended, i was mostly joking in regard to you, but if you can afford it than go for it. I do believe its good to start low but as long as your paying for it yourself thats the big thing cuz than you will appreciate it more, my teenage step daughter asked if she could have our rx-8 when she got her license, after i stopped laughing i told her that i never planned on getting rid of it and if she wanted a car like that she could live and work and go thru beater cars like i did and buy one herself..builds character y'know? :)

RX-8`s are super nice!

08/02/2007 04:28:23 PM · #139

Originally posted by Spazmo99:

Originally posted by noisemaker:

i see what you mean, but I was expecting high insurance, but here in BC, Canada we have really strict learner licensing you need to go through so it wouldnt be as high as you`d expect...

and i do have a great job, I`m a camera salesman.

That earns you enough to cover a car payment, insurance as well as maintenance and service on a BMW?

yup! i have nothing else to spend money on, no other payments i need to make, if i get the car soon ill have it paid off in the new year

08/02/2007 04:39:02 PM · #140

Originally posted by Rebecca:

I know the insurance will be a bit higher, but again you live in Colarado, I live in on the west coast of Canada in British Columbia, its very different!

People at my school don`t go trashing other peoples cars, if you read my post i already said that. and yes i Do have a garage to park it in, and why would driving it in the winter look trashy.... and here were lucky if we get over an inch of snow! and I wouldnt leave my gear in the backseat, if i were to leave it unattended i would put it in the trunk.
and i have thought it through, and talked it through with my girlfriends dad who is an Insurance broker(or whatever their called)

and I know im being arrogant, its just how I am, but so are you! I`m not saying I know better, You have just been shutting me down saying get a beater, but theres no point, its stupid advice, I have the money and the want of a better car, so im getting one

08/02/2007 04:42:52 PM · #141

Originally posted by noisemaker:

yup! i have nothing else to spend money on, no other payments i need to make, if i get the car soon ill have it paid off in the new year

I just ran a "What If" through our loan software...

If you put $1000 down (most lenders require 10%, and I rounded up to an even number to reduce your theoretical principal amount), then a $7700 loan at 8% (typical rate) spread over 12 months is $669.90 per month. With no downpayment, that figure goes up to $756.90 monthly. If you manage 20% down, the payment goes down to $606.52. The loan fees will probably run about $150-$200, payable up front, on top of the 10% downpayment.

I don't know how it is in Canada, but around here that's more than most people pay for rent.

Get a two year loan and put $1000 down, your payments will be about $348.32, $314.84 with 20%, and $393.55 with zero down.

Neither sounds like anything to handle on a part-time wage, frankly. I would vie for a three year amortization. That gets your payments anywhere from $218.15-$272.68 monthly. Before gas, insurance, and maintenance, remember.

Nikon AF Zoom-Nikkor 70-200mm f/2.8 VR DG IF-ED

08/02/2007 04:43:51 PM · #142

Originally posted by noisemaker:

Originally posted by Spazmo99:

Originally posted by noisemaker:

i see what you mean, but I was expecting high insurance, but here in BC, Canada we have really strict learner licensing you need to go through so it wouldnt be as high as you`d expect...

and i do have a great job, I`m a camera salesman.

That earns you enough to cover a car payment, insurance as well as maintenance and service on a BMW?

yup! i have nothing else to spend money on, no other payments i need to make, if i get the car soon ill have it paid off in the new year

BTW, I just did an online quote for insurance on that car and the rate for a 17 year old male driver with no experience was $678/mo. If you plan to pay off that $8500 in one year, that's about $740/mo. Adding in maintenance, service and fuel will easily put you over the $1500/month mark.

Pedro

Nikon D200

08/02/2007 04:44:02 PM · #143

Originally posted by aliqui:

Sweet. An e-peen thread.

My car's e-peen is bigger than your car's e-peen :)

vdbe

08/02/2007 04:44:43 PM · #144

One stupid post. I hope you don't pass a bridge that's just going to collapse and then your BMW is reduced nothing

Message edited by author 2007-08-02 16:48:21.

08/02/2007 04:49:28 PM · #145

Originally posted by noisemaker:

why would driving it in the winter look trashy....

Because when it's cold, a convertible is useless. If you drive it around in the winter, it just looks like you spent all your money on a fantasy and now can't afford a real car that will actually keep you warm. That is what people think when they see some poor sap driving a convertible in winter.

Colorado winters aren't very cold. People in Denver often play golf in the Winter. Christmas Eve? 60 degrees Fahrenheit is not even remotely unusual. Even the ski resorts have outdoor seating at many of the restaurants. The blizzards make the news occasionally, but are few and far between. Otherwise any slight bit of snow we may get has melted by noon. Look who's making assumptions now, eh?

Message edited by author 2007-08-02 16:50:31.

08/02/2007 04:51:11 PM · #146

Originally posted by Rebecca:

Originally posted by noisemaker:
yup! i have nothing else to spend money on, no other payments i need to make, if i get the car soon ill have it paid off in the new year

I just ran a "What If" through our loan software...

If you put $1000 down (most lenders require 10%, and I rounded up to an even number to reduce your theoretical principal amount), then a $7700 loan at 8% (typical rate) spread over 12 months is $669.90 per month. With no downpayment, that figure goes up to $756.90 monthly. If you manage 20% down, the payment goes down to $606.52. The loan fees will probably run about $150-$200, payable up front, on top of the 10% downpayment.

I don't know how it is in Canada, but around here that's more than most people pay for rent.

Get a two year loan and put $1000 down, your payments will be about $348.32, $314.84 with 20%, and $393.55 with zero down.

Neither sounds like anything to handle on a part-time wage, frankly. I would vie for a three year amortization. That gets your payments anywhere from $218.15-$272.68 monthly. Before gas, insurance, and maintenance, remember.

I`m doing the finance through my girlfriends dad on the side and i just pay him when whenever at 0%

08/02/2007 04:53:44 PM · #147

Originally posted by Spazmo99:

Originally posted by noisemaker:

Originally posted by Spazmo99:

Originally posted by noisemaker:

i see what you mean, but I was expecting high insurance, but here in BC, Canada we have really strict learner licensing you need to go through so it wouldnt be as high as you`d expect...

and i do have a great job, I`m a camera salesman.

That earns you enough to cover a car payment, insurance as well as maintenance and service on a BMW?

yup! i have nothing else to spend money on, no other payments i need to make, if i get the car soon ill have it paid off in the new year

BTW, I just did an online quote for insurance on that car and the rate for a 17 year old male driver with no experience was $678/mo. If you plan to pay off that $8500 in one year, that's about $740/mo. Adding in maintenance, service and fuel will easily put you over the $1500/month mark.

Is this for down in the states though... its way different here. for a new driver here its usually around 250 a month

08/02/2007 04:54:21 PM · #148

Originally posted by noisemaker:

Originally posted by Rebecca:

Originally posted by noisemaker:
yup! i have nothing else to spend money on, no other payments i need to make, if i get the car soon ill have it paid off in the new year

I just ran a "What If" through our loan software...

If you put $1000 down (most lenders require 10%, and I rounded up to an even number to reduce your theoretical principal amount), then a $7700 loan at 8% (typical rate) spread over 12 months is $669.90 per month. With no downpayment, that figure goes up to $756.90 monthly. If you manage 20% down, the payment goes down to $606.52. The loan fees will probably run about $150-$200, payable up front, on top of the 10% downpayment.

I don't know how it is in Canada, but around here that's more than most people pay for rent.

Get a two year loan and put $1000 down, your payments will be about $348.32, $314.84 with 20%, and $393.55 with zero down.

Neither sounds like anything to handle on a part-time wage, frankly. I would vie for a three year amortization. That gets your payments anywhere from $218.15-$272.68 monthly. Before gas, insurance, and maintenance, remember.

I`m doing the finance through my girlfriends dad on the side and i just pay him when whenever at 0%

Oh, so he's buying you the car.

08/02/2007 04:58:10 PM · #149

Originally posted by Spazmo99:

Originally posted by noisemaker:

Originally posted by Rebecca:

Originally posted by noisemaker:
yup! i have nothing else to spend money on, no other payments i need to make, if i get the car soon ill have it paid off in the new year

I just ran a "What If" through our loan software...

If you put $1000 down (most lenders require 10%, and I rounded up to an even number to reduce your theoretical principal amount), then a $7700 loan at 8% (typical rate) spread over 12 months is $669.90 per month. With no downpayment, that figure goes up to $756.90 monthly. If you manage 20% down, the payment goes down to $606.52. The loan fees will probably run about $150-$200, payable up front, on top of the 10% downpayment.

I don't know how it is in Canada, but around here that's more than most people pay for rent.

Get a two year loan and put $1000 down, your payments will be about $348.32, $314.84 with 20%, and $393.55 with zero down.

Neither sounds like anything to handle on a part-time wage, frankly. I would vie for a three year amortization. That gets your payments anywhere from $218.15-$272.68 monthly. Before gas, insurance, and maintenance, remember.

I`m doing the finance through my girlfriends dad on the side and i just pay him when whenever at 0%

Oh, so he's buying you the car.

He imports cars from Japan, so its from Japan, he buys them then sells them for way more here, so he already bought this one and is selling it to me for less than what he paid for it.