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<table border="0" cellpadding="1" cellspacing="1" width="99%" align="center"> <tr bgcolor="#000000"><td> <table border="0" width="100%" cellpadding="3" cellspacing="0"> <tr bgcolor="#000099"> <td colspan="2" align="left"> <font size="2" color="#ffffff" face="Verdana, Arial"> <b>T O P I C R E V I E W</b> </font></td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>JohnCM</b> <br /><small>Member # 1076</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,5,20,10,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> What would make more sense to you guys.<br /> Financing a full amount, and then on the first payment applying a large amount down to reduce principal of loan.<br /> Or rather than applying the large amount on the first payment, putting the money down to reduce the cost of the payments etc.<br /> For some reason it makes more sense to me to get a higher amount loan, and throw more money down on the first payment.<br /> Might seem like a noob question, but I've only financed a couple cars so far.<br /> I like paying cash usually<br /><br /> Thanks <img border="0" alt="[patriot]" title="" src="graemlins/patriot.gif" /> <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>wilit</b> <br /><small>Member # 3367</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,5,20,20,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> Lower loan amount. That way if something happens, like you lose your job or you can't work because you got injured or something, you have a lower car payment to worry about instead of one that's too high. <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>RONIN</b> <br /><small>Member # 9987</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,5,20,26,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by wilit:<br /><strong> Lower loan amount. That way if something happens, like you lose your job or you can't work because you got injured or something, you have a lower car payment to worry about instead of one that's too high. </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">Exactly. That with a large down payment would be the smart thing to do. <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>myzticsnake</b> <br /><small>Member # 9334</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,5,21,17,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> It's smarter to have the lower payment amount rather than be stuck with the higher amount, just in case something happens. If you want to pay it off quicker, just pay more each month.<br /><br />Putting money down with the lower payment amounts also mean you pay less interest over the life of your loan.... meaning more money in your pocket in the long run. <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>DLo</b> <br /><small>Member # 6133</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,5,21,54,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> What would make more sense? None of the financing options, pay cash <img border="0" title="" alt="[Big Grin]" src="biggrin.gif" /> <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>Cobra 93-4992</b> <br /><small>Member # 4992</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,5,22,16,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by DLo:<br /><strong> What would make more sense? None of the financing options, pay cash <img border="0" title="" alt="[Big Grin]" src="biggrin.gif" /> </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">+1 WTF is a car payment? All i gots are these pinks everywhere. <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>JohnCM</b> <br /><small>Member # 1076</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,5,22,31,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> Wish I had the cash, I'm not a baller. I'm part of the 1% <img border="0" title="" alt="[Cool]" src="cool.gif" /> <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>Blind</b> <br /><small>Member # 3052</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,6,8,18,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by JohnCM:<br /><strong> Wish I had the cash, I'm not a baller. I'm part of the 1% <img border="0" title="" alt="[Cool]" src="cool.gif" /> </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">I don't think that means what you think it does. <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>NEIGHT</b> <br /><small>Member # 8741</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,6,8,37,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by JohnCM:<br /><strong> Wish I had the cash, I'm not a baller. I'm part of the 1% <img border="0" title="" alt="[Cool]" src="cool.gif" /> </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">Don't you mean 99%? <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>hidnn.o.s.</b> <br /><small>Member # 1219</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,6,9,5,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by NEIGHT:<br /><strong> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by JohnCM:<br /><strong> Wish I had the cash, I'm not a baller. I'm part of the 1% <img border="0" title="" alt="[Cool]" src="cool.gif" /> </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">Don't you mean 99%? </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial"><img border="0" alt="[patriot]" title="" src="graemlins/patriot.gif" /> <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>adower</b> <br /><small>Member # 5955</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,6,10,12,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by JohnCM:<br /><strong> Wish I had the cash, I'm not a baller. I'm part of the 1% <img border="0" title="" alt="[Cool]" src="cool.gif" /> </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">Huh? <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>JohnCM</b> <br /><small>Member # 1076</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,6,11,49,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> Lol, 1 percent of population.<br /> Again, i wish i had the cash <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>NavidR</b> <br /><small>Member # 3164</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,6,12,7,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> I would put more money down so your payments are ower, its like if the bank offers you a 5 years, just take it and pay more each month towards the principle.<br /><br />I idea is trying to keep your payments as low as possible so if something comes up you don't have to stress over a payment! <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>GetawayKing</b> <br /><small>Member # 10403</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,6,12,29,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by JohnCM:<br /><strong> Lol, 1 percent of population.<br /> Again, i wish i had the cash </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">I think you mean the 99% <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>JohnCM</b> <br /><small>Member # 1076</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,6,13,31,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> I guess that's what I get for watching Colbert Report for news info. <img border="0" title="" alt="[Razz]" src="tongue.gif" /> <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>East Bay 50</b> <br /><small>Member # 8081</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2012,0,6,19,1,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> anyone who says they have never financed a car either buys buckets or they are wealthy... Nothin wrong with financing a car <br /> </font> </td></tr> </table></td></tr></table> <br /> <br />
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