San Bernardino monthly meet and drive 2007 thread.
12-26-2007, 06:45 PM
#5651
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oh and keith i am not sure what GMC has but i saw they are offering 0% for 60 months on all 2007 models...that seems was to good to be true?
12-26-2007, 07:56 PM
#5652
Okay . . here is the lesson on the 0% interest ;
When GM offers a 0% program, they will also be offering HUGE discounts. About half of that discount is 'GMAC cash' . . . or 'use our finance company and we will give you more $$$'.
Now the discount and 0% will give you almost the exact same savings at month 60. So after you have made all payments on time, and you look back at every penny spent, the 0% and the discount will end up looking the same. ( obviously this changes if you make extra payments.)
So here is what you do ; Go get the car through the dealer using the GMAC financing. (which will be a bit higher than any other bank, but you take it anyway to get the $xxxx discount that saves you so much.) Now go to your own bank before you even makea payment, and have them assume the loan at a better rate. Sometimes GMAC will make you keep them for 3 months. (3 month prepayment penalty) But that is okay, any other bank will give you a 90 day approval period. So tell the dealer you want a 45 day first payment, and 15 days after purchase, go get your approval at another bank. (This 15 days may be necessary if you are not an automated pre-approval. Manual submissions take 15 days to fund, so day 1 of the prepay penalty has been pushed back by 15 days) Then you only suffer 3 high interest payments.
Kinda a lot of work to save a couple grand, but when all is said and done, that couple grand is your mod money.
When GM offers a 0% program, they will also be offering HUGE discounts. About half of that discount is 'GMAC cash' . . . or 'use our finance company and we will give you more $$$'.
Now the discount and 0% will give you almost the exact same savings at month 60. So after you have made all payments on time, and you look back at every penny spent, the 0% and the discount will end up looking the same. ( obviously this changes if you make extra payments.)
So here is what you do ; Go get the car through the dealer using the GMAC financing. (which will be a bit higher than any other bank, but you take it anyway to get the $xxxx discount that saves you so much.) Now go to your own bank before you even makea payment, and have them assume the loan at a better rate. Sometimes GMAC will make you keep them for 3 months. (3 month prepayment penalty) But that is okay, any other bank will give you a 90 day approval period. So tell the dealer you want a 45 day first payment, and 15 days after purchase, go get your approval at another bank. (This 15 days may be necessary if you are not an automated pre-approval. Manual submissions take 15 days to fund, so day 1 of the prepay penalty has been pushed back by 15 days) Then you only suffer 3 high interest payments.
Kinda a lot of work to save a couple grand, but when all is said and done, that couple grand is your mod money.
Last edited by rglbegl; 12-26-2007 at 07:59 PM.
12-27-2007, 11:53 AM
#5654
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Ya . . .what the hell man!! Things were going great until you started rambling on about BS. Maybe you should just shut your mouth every now and then.
And now back to our regularly scheduled program
And now back to our regularly scheduled program
12-27-2007, 11:54 AM
#5655
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12-27-2007, 01:28 PM
#5658
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damn bgl, you obliterated this thread with that post.
12-27-2007, 01:54 PM
#5660
幹他媽!
anyone see any good movies?
i watched AVP2... predictable ok. i think the franchise would fair better if they used named actors rather than unknowns across the board. almost felt like a friday 13th movie meets aliens meets predator but missing something.
i watched AVP2... predictable ok. i think the franchise would fair better if they used named actors rather than unknowns across the board. almost felt like a friday 13th movie meets aliens meets predator but missing something.
12-27-2007, 01:56 PM
#5661
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I saw I am Legend. I thought it was pretty good. I'm bummed I never saw Saw 4 when it was in theaters, gotta see when that comes out on dvd
12-27-2007, 02:05 PM
#5662
幹他媽!
i still need to see that.
i watched superbad and pirates 3 finally. both were really good. i think i'm going to buy the 3 pirates movies on dvd when they get cheaper. i think i may have to go back and re-watch them all, as i'm still a bit confused about the 2nd movie.
i watched superbad and pirates 3 finally. both were really good. i think i'm going to buy the 3 pirates movies on dvd when they get cheaper. i think i may have to go back and re-watch them all, as i'm still a bit confused about the 2nd movie.
12-27-2007, 02:17 PM
#5663
Superbad got better and better the more I drank.
I finally saw Oceans 13 . . .for some reason that onemade me laugh even more than Superbad
But Mclovin FTW!!!!!
chika chika yeah . . . gettin a fake ID
I finally saw Oceans 13 . . .for some reason that onemade me laugh even more than Superbad
But Mclovin FTW!!!!!
chika chika yeah . . . gettin a fake ID
12-27-2007, 02:22 PM
#5664
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Oceans 13 was great! I still like the Original the most, but a good movie.
damn Rgl, hell of a post in my gauge thread, thanks!
damn Rgl, hell of a post in my gauge thread, thanks!
12-27-2007, 02:29 PM
#5665
You are welcome. So how are those new tires Jedi?
So are we skipping the Jan 12 meet and meeting for the Jan 26 memorial cruise?
Or are we gonna have a couple of meets in Jan?
So are we skipping the Jan 12 meet and meeting for the Jan 26 memorial cruise?
Or are we gonna have a couple of meets in Jan?
12-27-2007, 02:45 PM
#5666
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I vote for skipping in favor of the memorial cruise.
Tires get installed tomorrow morning.
Tires get installed tomorrow morning.
12-27-2007, 02:54 PM
#5670
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12-27-2007, 03:21 PM
#5671
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^^ NO COMMENT
just finished watching the KINGDOM it was good and LIONS FOR LAMBS it sucks www.quicksilverscreen.com watched transformers again so awesome
just finished watching the KINGDOM it was good and LIONS FOR LAMBS it sucks www.quicksilverscreen.com watched transformers again so awesome
12-27-2007, 04:18 PM
#5672
幹他媽!
i know... sad isn't it- esp when u think of all the **** that's happened to her already. lol.
ugh, so much work to do today. and, my dept's like the only ppl that have to work during dead week between x-mas & new years.
ugh, so much work to do today. and, my dept's like the only ppl that have to work during dead week between x-mas & new years.
12-27-2007, 04:57 PM
#5673
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your car is pissed at you because you don't drive her...
12-27-2007, 05:24 PM
#5674
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my battery is dead and i need a jump...at least i get a free repalcement. i havent driven the 8 for 3.5 days which i have done before but she is usually in the garage.
12-27-2007, 05:29 PM
#5675
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your battery died in 3 days?! that sounds too quick. Sure the trunk was closed all the way? that damn trunk light never goes off if it's open...
free replacement? Mazda ponied one up?
free replacement? Mazda ponied one up?