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Post Your Last Purchase XXVII
- Thread starter S.B.G
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How do you like it so far? Honestly, thats the first Accord that I actually want. I saw one with the Sport package or touring package, cant remember, and didnt know what it was until I got closer. Nice car!
so far i'm really liking it, but i feel like part of it is from the fact that my old car was really on its last legs and dying on me. but the accord is roomy, quiet and comfortable. it looks decently sporty for a super-mass produced sedan, and i got the six-speed manual and it shifts great. big thumbs up.
It's very well designed. What model did you get? Post some pics of it. And if you don't mind me asking, what was the cost?
nice congrats my fiancé and I are looking for homes in the boston area. Found one we both agree on that wasn't crazy priced or more than we needed. They are like we need $90K for your deposit......(20% or you have to pay some BS insurance that insures the loan company you can play your loan !!! WTF is up with that !!)
My head almost exploded. It's like in American or Colombian Pesos.... F that in Colombian pesos its still 45k !!!
If you get a conventional mortgage (and have good credit) most lenders will offer mortgages where the lender pays MI if you agree to a higher (usually about half a point) rate. Its a better deal long term to just eat the MI if you don't want to put down 20%. Once you hit 20% equity you can cancel the MI.
nice congrats my fiancé and I are looking for homes in the boston area. Found one we both agree on that wasn't crazy priced or more than we needed. They are like we need $90K for your deposit......
My head almost exploded. It's like in American or Colombian Pesos.... F that in Colombian pesos its still 45k !!!
I underwrite mortgages for a living, the advice that UGA gave is pretty much right on. If you want to eliminate the MI, a lower loan to value ratio will go a long way.
Not just lower, it has to be an LTV of 80% or lower. If there is MI on the loan after that it is entirely based on the pool and it is "lender paid" (but really investor paid as the cost is passed through to the investor each month (unless they're on schedule/schedule). Unfortunately paying into MI does little for you other than a nice little tax refund on what you paid; however, I would rather have the cash up front in my pocket by not paying if I had a choice.
MI is normally on an auto-cancel but you cannot rely on your servicer to just cancel it. Their systems often do not function as they (and we) hope. MI is on auto-cancel if the amortization schedule passes the date that you should hit 80%. If you don't really have 80% equity the MI still has to be cancelled.
You can get MI cancelled sooner if you pay for an appraisal and show that you're at 80% equity. The appraisal is an out-of-pocket expense to the homeowner so be sure you have the equity. Most likely if you have little to no deferred maintenance and some site like Zillow shows the equity, you'll hit the number you need with an appraisal. If Zillow says you have equity but you've deferred maintenance and treated the house like a junkyard then you're wasting your cash.
Last purchase? Distilled water to calibrate a pH meter and a refractometer. Exciting times I live in.
I can chime in about the Accord Sport. I bought mine in December 2013 and for the 2014 Accord Sport I paid $23K out the door before tax. I added some things after, like the underbody spoiler package and custom leather seats, which cost me another $3K, but the up front cost was pretty reasonable out the door. I think its a really great car for the price, it drives well, looks like a pricey sports car than it is, and if you dress it up a bit it really gets a lot of compliments when you're out. Highly recommend it after owning for 6 months!
Here is a pic of mine I posted in the car thread after I got the spoiler kit mod:
https://forums.macrumors.com/posts/19099672/
Give me a double edged safety razor any day of the week. That single razor blade shaves me much better than those 5 bladed uber expensive kits.
I can use a brand new blade every single day, IMO get a better shave and save more moolah.
Post Your Last Purchase XXVII
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ZVOX 580 Low-Profile Single-Cabinet Surround Sound System with Optical and Coaxial Digital Inputs by ZVOX http://www.amazon.com/dp/B0055FZIX4/ref=cm_sw_r_udp_awd_RT5Qtb1TNT6M8
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I love everything!
I recently got these:
uNu Aero Series iPhone 5S Battery Case / iPhone 5 Battery with Wire... http://www.amazon.com/dp/B00GBFQX22/ref=cm_sw_r_udp_awd_1U5Qtb1KKPFXS
Ambient Weather WR-112-SOLARBAG Emergency Solar Hand Crank AM/FM/NO... http://www.amazon.com/dp/B00KSHC9FE/ref=cm_sw_r_udp_awd_eS5Qtb1N2RQW6
LUXA2 P-MEGA 41,600mAh World's Largest Power Station for All Smartphones - Retail Packaging - Silver by LUXA2 http://www.amazon.com/dp/B00HD8ZKMK/ref=cm_sw_r_udp_awd_ES5Qtb1KWPMCK
ZVOX 580 Low-Profile Single-Cabinet Surround Sound System with Optical and Coaxial Digital Inputs by ZVOX http://www.amazon.com/dp/B0055FZIX4/ref=cm_sw_r_udp_awd_RT5Qtb1TNT6M8
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I love everything!
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You are a far better person than I...just had my car detailed and let someone else Wax On - Wax Off!
My excuse is I'm old, bad back, bad legs, blah...blah...blah...
I'm just a lazy slob!
I'm sure you're car will look terrific!
It definitely doesn't look like an Accord. I think Honda's design team got it right finally. The past couple of years they have been atrocious. I think when it comes time, I might take a hard look at this one. Do you happen to know if this model is made in the US? I can't remember if they had a plant in South Carolina or Tennessee.
Super jealous. Hopefully the damn laws won't ground the privately owned drones too.
That is the attitude to take. You can absolutely take the savings and get it painted and still probably come out on top if the savings was that great.
I'm not against HD, just never really cared to own one myself. I'm constantly itching to get a new Triumph. I figured if worse comes to worse I can probably sell my lady eggs if I act fast and buy one with cash.
I do like the Nightster models though. I saw a matte black (everything was matte black) one the other day around town. It looked badass.
That is the attitude to take. You can absolutely take the savings and get it painted and still probably come out on top if the savings was that great.
I'm not against HD, just never really cared to own one myself. I'm constantly itching to get a new Triumph. I figured if worse comes to worse I can probably sell my lady eggs if I act fast and buy one with cash.
I do like the Nightster models though. I saw a matte black (everything was matte black) one the other day around town. It looked badass.
The guy had a garage full of bikes.
I saw:
Two Victories - Hammer and Gunner
Two Triumphs - not sure what models
Various dirt bikes
A 600hp Ford Lightning.
He never rode this bike.
He wanted 6500. I showed up with $5750 cash (what I looked up it was worth) and told him I'll take it.
I was looking at a Victory (new) but thought long and hard and couldn't pass up this deal.
I get a bike and save approx $6k to boot!
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