Buying a New Car...

[Jimcs50]

PS do not get the M45, you do not need the 8 cylinder..all it does is eat more gas and the 280 HP in the V6 is more than enough for any human being, I promise you that.

[Mixability]

It handles better than all the sports cars that I have driven, except the Vette. I drove the Z a few months ago and this M blows it away on a curved road, I swear man...I almost had an orgasm.

almost.

Damnit Jim, and I had it narrowed down to those two and now you do this to me! Now, I'm trying to calculate what my new monthly payment would be for either the Vette or the M.

[Jimcs50]

Damnit Jim, and I had it narrowed down to those two and now you do this to me! Now, I'm trying to calculate what my new monthly payment would be for either the Vette or the M.

Well, if you do not plan on having a need for ever taking a 3rd or 4th person with you, then the Vette is a nice car.

The Technology package in the M is freaking awesome. All you have to do is tell the car to do stuff with your voice command and it does it.
ie. You ask it where nearest restaurant is, and it lists all of them, then you say which one, and it tells you how to get there. I have the Navi in my car, but you have to enter it by hand. You can also tell it whick Sat channel to go to, or what radio channel to go to, etc. You can enter phone numbers in there and tell it to dial so and so. It has 4 computers, so if one or 2 fail, the others all back it up, so you never have to worry about a malfunction.

Also it has a DVD in ceiling so in back seat you can watch it. There are 2 sets of head phones with it. You have airconditioning and heat that comes thru the seats, and the rear seats recline. You could take a babe out on a date, park, get in the back seat and you have your own personal movie theater(without popcorn though)

Go check it out.

[Mixability]

Well, if you do not plan on having a need for ever taking a 3rd or 4th person with you, then the Vette is a nice car.

The Technology package in the M is freaking awesome. All you have to do is tell the car to do stuff with your voice command and it does it.
ie. You ask it where nearest restaurant is, and it lists all of them, then you say which one, and it tells you how to get there. I have the Navi in my car, but you have to enter it by hand. You can also tell it whick Sat channel to go to, or what radio channel to go to, etc. You can enter phone numbers in there and tell it to dial so and so. It has 4 computers, so if one or 2 fail, the others all back it up, so you never have to worry about a malfunction.

Also it has a DVD in ceiling so in back seat you can watch it. There are 2 sets of head phones with it. You have airconditioning and heat that comes thru the seats, and the rear seats recline. You could take a babe out on a date, park, get in the back seat and you have your own personal movie theater(without popcorn though)

Go check it out.

Damn, with all that, I'd want to live in the car! And my parents would probably say the same thing, since the car would end up costing more than what they paid for their house!

[Jimcs50]

Damn, with all that, I'd want to live in the car! And my parents would probably say the same thing, since the car would end up costing more than what they paid for their house!

If you want to get a nice car which is a lot cheaper, but cool and the chicks dig, might I suggest the PT Cruiser or the Scion. Then your parents won't kick you out, but you can still get laid.

[bry3]

The G35 hands down. I don't understand why people would buy a Lexus compact car anyway?

[Shelly]

If you can go about 14K more, you need to get the Infiniti M35. We drove it this weekend and it is by far the best car that I ever drove, period. It handles like it is on rails, the looks are awesome and the technology is mind boggling. We are getting one this month. The black outside with the bourbon and black interior is beautiful.

Here is Consumer Reports' latest update:


Infiniti M35 rated 'Best luxury sedan'

Consumer Reports magazine calls the sporty car from Nissan a "surprise."
August 9, 2005: 12:26 PM EDT


DETROIT (Reuters) - The sporty Infiniti M35 powered past its compe ors to become what Consumer Reports, a leading source of information for U.S. car buyers, says is the best luxury sedan on the road today.

The "excellent" overall rating for the car from the luxury division of Nissan Motor Co. Ltd. is reported in the September issue of the magazine, which goes on sale Tuesday.

The Infiniti M35 was tested against four other models and each, as equipped, was priced at roughly $50,000. The other models were the redesigned Audi A6, the Cadillac STS, Acura RL and Lexus GS300.

"The surprise of this test group is the M35, which is now our top-rated (luxury) sedan. It even outscores all of our tested full-size premium luxury sedans," Consumer Reports says.

"This well-rounded car has a ride and handling suited for twisty roads as well as the boulevard," it adds, saying the car's many attributes include a powerful 280-horsepower V-6 engine, a roomy, well-finished interior and controls that are mostly user-friendly.

A 335-horsepower, V-8 power plant is an available option on the M35.

The A6 from Audi, a unit of Volkswagen AG, also got an "excellent" overall score from Consumer Reports. But it was faulted for "nonintuitive controls," its lack of an in-dash CD slot and unknown reliability. The previous A6 was not reliable, according to Consumer Reports.

Of the five vehicles tested, Consumer Reports said all but the Cadillac STS, from General Motors Corp., and the Audi A6 warranted inclusion on its closely watched "recommended" list.

Consumer Reports said the reliability of the STS, which replaces Cadillac's Seville sedan, was still unknown. It praised many aspects of the car, but said the material quality of its interior was "not as luxurious as the leaders in the class."

The Infiniti M35 replaces the Lexus LS430 -- which sells for about $70,000 -- as Consumer Reports' top-rated luxury sedan.

The magazine said the GS300, from Toyota Motor Corp.'s luxury division, was refined and expected to be quite reliable. But it added that the car's steering lacks feel, passenger room is tight, and it is not an agile vehicle.

"It's not the luxury sport sedan Lexus pitches; we didn't find it particularly exciting to drive," Consumer Reports said.

Of the Acura RL, the latest offering from the luxury arm of Honda Motor Co. Ltd., the magazine complained that it was not particularly sporty to drive. It also said the RL was no roomier than the Acura TL, which costs about $16,000 less.

Bull about the A6. I have a 2.7T and have had nothing major wrong with it and it's 5 years old. I test drove the new A6 4.2 and it's awesome and may be my next car. We're on our 4th Audi we love them so. Audi gets no respect. You'd think after winning Le Mans for the past 7 years, they would.

The only thing I didn't like about the M35 is their dash.. It's too funky. But no way does it replaces the Lexus LS430 like the article stated. My dad used to have one and there is no comparison. But I know you're wife will enjoy it. It really is a beautiful car.

Danyo, did you look at the A4?

[SWC Bonfire]

Damn, with all that, I'd want to live in the car! And my parents would probably say the same thing, since the car would end up costing more than what they paid for their house!

If you are young and don't have a house, the last thing you need is a car that is too expensive. Get a nice used car and save some $$$ for things that actually increase in value.

[Jimcs50]

If you are young and don't have a house, the last thing you need is a car that is too expensive. Get a nice used car and save some $$$ for things that actually increase in value.

Yes, I agree, hence the Scion and PT Cruiser reference.

I was not privy to Danyo's living arrangements.

[Mixability]

If you want to get a nice car which is a lot cheaper, but cool and the chicks dig, might I suggest the PT Cruiser or the Scion. Then your parents won't kick you out, but you can still get laid.

No way, PT Cruiser or Scion(box on wheels). No need to worry about getting kicked out, at $50k, my new car would end up only being close to 1/2 of what my house cost, is that good?

If not for the ridiculous gas prices, I'd be looking at getting the Corvette for that kind of money.

[ObiwanGinobili]

If you want to get a nice car which is a lot cheaper, but cool and the chicks dig, might I suggest the PT Cruiser or the Scion. Then your parents won't kick you out, but you can still get laid.

the PT cruiser convertible is HOTT!
I'd hit it.

[Mixability]

Yes, I agree, hence the Scion and PT Cruiser reference.

I was not privy to Danyo's living arrangements.

The house and car will probably be bought within 6 months of each other

[Clandestino]

so, you'd have a 50k car and a 100k house? i guess it is better than living in a rundown house in the ghetto and having a cadillac..

[Mixability]

the PT cruiser convertale is HOTT!
I'd hit it.

Really? Chevy is coming out with their model, which I would prefer, if I was going for that "paddy wagon" look.

[Mixability]

so, you'd have a 50k car and a 100k house? i guess it is better than living in a rundown house in the ghetto and having a cadillac..

I'm looking for a good ratio. Help me out.

[ObiwanGinobili]

you know it looks better to your mortgage lender if you don't have a car payment or if you own your car outright....
and it looks better to your auto lender if you own a house...... so you may want to buy the house 1st , then get the car...

[Clandestino]

it all depends on your income.

[ObiwanGinobili]

Really? Chevy is coming out with their model, which I would prefer, if I was going for that "paddy wagon" look.

if by "paddy wagon" you mean "more room for sweet sweet lovin'" then thats a good thing.

[Mixability]

you know it looks better to your mortgage lender if you don't have a car payment or if you own your car outright....
and it looks better to your auto lender if you own a house...... so you may want to buy the house 1st , then get the car...

I'll keep that in mind.

I remember hearing some advice on house/car buying before. Something like, you can only afford a car that is priced lower than what you make in a year and a house priced at what you make in 3 years, I know I don't have the number of years right, anyone heard this before?

[Mixability]

if by "paddy wagon" you mean "more room for sweet sweet lovin'" then thats a good thing.

I have the apartment for sweet lovin', but I'll need a nice ride for transportation to the "love shack"!

[ObiwanGinobili]

it all depends on your income.

well as an example..
my sister in law who manages a wells fargo financial branch , was approved for a 185k loan with 3 points @ 6.75%.. she turned it down and waited the 6 months until lher car was paid off... the she was able to get a 220k loan with 0 points at 5.89%.
it worked out pretty good for her and thats the recommendation she makes ot all her clients. Unless they are just about jonesing for a loan and then she gives it to them casue thatss her bread and butter.

[SWC Bonfire]

you know it looks better to your mortgage lender if you don't have a car payment or if you own your car outright....
and it looks better to your auto lender if you own a house...... so you may want to buy the house 1st , then get the car...

That's a VERY good point. It probably has more to do with what the lender will approve your payment for, but a good one nonetheless.

If you can afford such a fancy car, you should probably get a 15 year mortgage instead, especially if this is a small starter home you are likely to sell in the future. This will give you more equity and keep you from having to come up with a huge down payment for your next house (when you sell your small one).

[ObiwanGinobili]

I have the apartment for sweet lovin', but I'll need a nice ride for transportation to the "love shack"!

sweaty musky back seat sex is HOTT tho.

[Mixability]

sweaty musky back seat sex is HOTT tho.

I having memories of the Drive-In now.... Thanks

[SWC Bonfire]

Your house pmt shouldn't excede 25% of monthly income.
I think lenders will lend up to 28%.
Car pmt should be much less than that.

Total service of debt (all pmts) should be less than 35% of monthly income as a general guideline.

Of course, not everyone has monthly income, so adjust for the lean times as well.