You are a worthless ****** idiot.........

 

Not sure what "A Plan" pricing is, but for the VAST majority of people who purchase a vehicle with 0% financing, they had to give up X-thousands of dollars in rebates to get the sweet financing deal. Additionally, most dealers will give you a better "net price" on the vehicle if pass on the sweetheart financing deals from the manufacturer. Simply more room to play with if they're not having to offer "free money" with the deal.

Are there a few rare exceptions where 0% financing could work out as a good deal? Sure. But for the VAST majority of folks who use it, they unwittingly gave up thousands of dollars on the price side of the car to get the low percentage rate financing.

 

haha, way to make such a strong point and back it up with even stronger points. I would expect nothing less from you


As for "The Doctor"...

First off, like you said nothing I said was more than "abrasive" and yet you come out swinging. Calm down, no need to get your heart going because you realize how big of a mistake you made.

Now back to what you've said,
"MSRP on my truck was 41,300K. I bought it a year ago during the major sale, employee pricing. Got it for $33K. It has 17250 miles on it and is clean. Excellent condition. 2 tone paint, 4x4 S.crew. Spray in liner, Truxedo soft cover. Nada.com prices the retail value at 34,800 and trade in at $29.9K"

Ok, so let's get this straight. You got a truck for TEN THOUSAND dollars BELOW MSRP, drive it for a year and put above average mileage on it, and then when you find out NADA says it retails for within a few grand of what you paid you get angry?

For starters, if you are so brilliant at "buying cars" like you claim then you would know the only time worth trading a car/truck in to a dealer is when the thing is a lemon/POS and you know nobody in their right mind will buy it private party. If your truck is as nice as you claim it is, sell it private party and you won't have such a big problem on your hands.

"I didn't EXPECT to sell my truck a year later. When I bought it, gas was $2.25/gallon roughly. Now it is a minimum of $2.95 here and creeps to over $3.15 every week. That changes things for me."

Ok, so you didn't "expect" to have to sell it, yet you purchased a vehicle on a budget that was so tight that 25-30% increase in oil prices forces you to sell it? Especially since when prices were at $2.25 I KNOW it was very clear in the news that things were uncertain and prices could continue to rise. In fact, just about EVERYONE predicted prices to continue to rise and never return to sub $2 again. So basically your problem is that you purcahsed something BEYOND your means, and because of your poor financial planning you are upset at Ford?

You buy ANY vehicle and you will lose money when you drive it off a lot. It is no secret that Ford and chevy are the brands that take the biggest hit in that department because of deep discouning on year-end clearance, so you should have known from PAST years that resale would take a hit.

I didn't have to see into the future to know that buying my F150 would be a bad call *if* gas prices went up 20-50% and that selling it would be difficult. I just looked at past years and the current events. No magic ball needed...just common sense.

I hate to say it, but seriously, all I was pointing out was the fact that it was within your power as a normal human being without psychic abilities to plan ahead for potential problems such as an oil crisis. If you failed to take all possiblities into account, then that falls on your shoulders, NOT Ford's.

Or wait, maybe we should all call Ford and tell them not to let dealers back down more than 5% off of MSRP, and remove all incentives, and keep finance rates at 2.9% or higher. Then we can all be happy

 

only cars that are investments are ultra high end exotics way ultra lol.

My father uses his A-plan price on any ford vehicle he buys and depending on the truck he can get 4 to 6 months out of it before it is around breaking even then he ditches it and gets a new one thereby miniminzing his loss and getting a new truck every time you turn around. Thats the only way i know of where you dont have to eat the depreciation.

Or you could lease it

fact is if you outright buy a car its gonna depreciate so dont worry about it. Drive it till the wheels fall off and it wont matter or lease it.

Youd be ultra pissed if you bought a jag thow they depreciate so damn fast or at least they use to.

 

I understand his point i would never buy a car/truck as an investment but the fact remains he a ****** idiot....

 

OK.....by these numbers you will lose around 13k if you trade it in.

What about the 13k loss?

Are you just going to write that off?

If you are willing to lose 13k, how can you complain about the price of gas?

How much gas can you buy with that 13k, over what it will cost to fuel another vehicle?

Taking a 13k loss to save a few mpg's is just plain foolish. I can't understand this type of thinking.

 

Hey, we all at least we agree about something haha

 

Damn-skippy I'm mad about the gas prices! Not mad at Ford, made at Wall Street, and Big Oil. But, I gas these three bastards up every week.

$71.00/week on the F-150
$60.00/ two weeks on the MDX
$40.00/ week on the Fusion.

Two or three years ago, those prices would've been:

$35.00/week
$30.00/bi-weekly
$20.00/week

What other widely purchased product increased in cost by 100+% over the last 2-3 years, and approaching 300% over the last 7 years? Energy... Something we've all grown accustomed to, and woudl find especially difficult to live without.
________
To have my fuel cost go from $420.00/month up to $564.00/month because of "worries" on Wall Street, is something I have been forced live with, (OR walk everywhere I go) but will never be happy about.

 

I'm not going to get into a pissing match with you. I didn't come out "swinging" you did by referring to ME and the rest as 'retarded.' I don't get into petty namecalling. I didn't make a "mistake." Please show me where I said I was 'angry' anywhere. I specifically used the term 'shocked.' I absolutely do not recall ever claiming to be "brilliant." I clearly stated that I was willing to walk away from a deal, leaving me in control. Paying above invoice on a car/truck with a markup such as that on a Ford truck Lariat is, IMO, a poor decision. You're worse than an angry woman, you seem to be good at spinning verbage. I have a few patients that work here locally at Ford. They have a SUBSTANTIAL markup on their higher dollar trucks. You keep referring to MSRP. That is a joke. Maybe you should do your homework. I never look at msrp and work down on a deal. I go from wholesale and work up. I guess this shows just how 'brilliant' you think you are.

The price of fuel alone is not the only source of my POSSIBLE sale of this truck. I comment on trade value, auction value, and private party through NADA simply because that is what MOST BANKS here use, NOT kbb. KBB is what several dealers use. I'm well aware of this. My situation stems from FAMILY needing my assistance. Which one year ago was not the case. It was UNFORSEEN. That is all I'll say about that as it is not your business. I cannot live my life constantly wondering about a dismal future and not purchase something based on that like you imply.

I find it very bold of you to deliver such a message that I live beyond my means and get upset at Ford. I'd like a quote where I mentioned being Upset at Ford. As for living beyond my means....I'm speechless. You have real *****.

...all you were pointing out was calling me retarded, not living within my means, (a personal attack, with which you have no idea), repeatedly telling me I'm blaming Ford somehow and that I'm angry. I wasn't angry until you started chiming in with your attitude. There are other personal matters that have come about where I've been asked for financial assistance, and could not say no. For your sake, if you ever really need a "doctor" I hope they don't know what a hard heart you have.

 

I think the rising cost of energy is creating a very wide gap between the haves and the have nots. Pretty ridiculous for the best country in the world. Pretty soon you're going to see people living on the open range like back in the 1800's because they can't afford anything. Call that economic progress?

 

Never said I would trade it. Only commented on trade value to relay info. Is this common on these forums??? Everyone keeps thinking I'm going to trade this truck because I mentioned trade value. I clearly mentioned auction value and person to person value too. Yet no one has mentioned the latter. I think some of you assume to much. I will be more specific in the future.

 

Doc let it go....that's Lumadar's MO. Don't get too worked up over it.

I happen to agree with his general premise (the depreciation isn't something to be surprised over) but not his method of communication.

He is young and brash. (Which by the way is no excuse)

Have one on me

 

Never ceases to amaze me how someone can post something of interest to them and it is like you stepped in someone else's stuff. Just no need for that kind of thing. You can disagree in a mannerly method and your point is the focus that a reader sees, instead of the crap you are throwing at someone.

 

I actually do not DISagree with Lumadars points. I just disagree strongly with his approach, and willingness to assume too much. What I don't care for is how I post an issue, concern, or whatever, and someone bastardizes the words used, convolutes, or distorts the message, and takes them out of context. As far as the loss of value, I guess it was surprising to me because a month ago, auctions here locally were at KBB or higher, and 30 days later the values have decreased substantially. Plus, I've not owned a Ford truck in years. My most recent truck was a Tundra and it held it's value very well.

Sometimes these forums are excellent, and for the most part informative in every fashion, however, now and then, they can turn sour. That was not the intent of my thread, just being informative regarding some personal accounts.

And FWIW, anyone thinking that doctors are rich, think again...student loans exceeding the 6 figure mark more than twice over, office staff, expenses, and on and on, add up. It's not the Mercedes 80s anymore with managed care. I wasn't around then. Doctor reimbursement has gone down every year for the past 7 years thanks to Medicare and all private party insurance following suit. YOUR copays, deductibles, and coinsurance have most certainly gone up annually. If not, I'm shocked again. If you want to talk to someone rich, call the head of Blue Cross/Blue Shield, he "earned" a 42 MILLION dollar BONUS in 2003.

In one sense, the medical profession did it to themselves by over-ordering unnecessary diagnostics, over prescribing, etc. But the way managed care has taken over, it is just the opposite extreme. Over 1800 physicians have filed suit against 4 major insurance companies locally. We've had hundreds of doctors leave the area because they think the grass is greener somewhere else. It won't go on forever on its current course. You cannot continue to give staff raises, pay rent, expenses and such when you are expected to spend 15-25 minutes with each patient and get $30. Any of you in business should know that.

by the way, what is "MO?"

 

NADA is not a good place to look. Edmunds and KBB are more accurate for their Dealer trade and private party values. Edmunds comes up with a similar $22500 number depending on exact options. You have to consider that regardless of what you paid, someone got $12500 off MSRP a few months later for your exact truck. Then, real use decretiation and the continued discounts availible to all for new makes 1yr old vehicles less desireable.