this one has more people in it http://www.msprotege.com/members/jred321/indoormeet/DSCF5152.JPG
NEMOC Random BS Thread
- Thread starter NETC_Redd
- Start date
Tautochrone
Member
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- 2004 Mazda rx8
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- 92 & 16 Meyatas
what i want to know...where are all those proteges now?
It's been spotted in Stoughton with curbed rims and rust on the rear fenders.
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- 92 & 16 Meyatas
sad
wow.....
well, it least my engine been good...the body is fading...+1 on the styling!
would have been nice if there was a 2004 model that had the new 2.3L. I have never been a big fan of the Mazda3 styling. The P5 was always better looking in my book. Rust goes with the territory (ie, the Northeast). After 5 years, any place that catches water will begin to show signs. Wheel wells, around emblems and badges, bottoms of doors, etc. The only prevention is to stay off salty roads.
Tautochrone
Member
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- 2004 Mazda rx8
Well...I was going to order an exhaust and call around for some tint prices....but then I saw my credit card bill and decided to pay it off ....in full (ouch!)
what's more amazing is that i'm on my 3rd car since the MSP
Tautochrone
Member
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- 2004 Mazda rx8
Yeah, I hate owing money. Paying as much as I can on my car each month. At this rate I'll have it payed off about 2 years early. Living with my parents ftw.
I wish I could do that, but I was actually paying my mom's rent for the last year or so...
Paying off your credit cards on time, definitely good. Paying off your car loan early? Depending on your interest rate its probably better to bank that money or put it towards your mortgage for a better return. I've got money in the bank so that if I had to, I could pay off the MS6 now...but I feel safer having that money on hand in case of an emergency or whatever.
It depends on his budget. If he can still put money away AND pay more per month on the car, I say stick with it. Agreed with the interest rate, but again, in the long run it will save money. (Less insurance after pay-off, interest, etc....)
I was the same way with my MS6. I had the money to pay it off, but with the money I saved in car payments and insurance costs it took me very little time to replace the money.
Tautochrone
Member
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- 2004 Mazda rx8
Well...I'm in CT and I don't know if there's a discount on paid off cars... And I don't have a mortgage (See: living with parents). The interest on my car loan is fixed, so I still end up paying the same amount of interest no matter when I finish paying off the loan. And since there's no penalty for me paying it off early (because they won't be screwed out of any interest) I'm opting to pay it off sooner and have an extra $300 in my pocket each month when I'm done (and hopefully I'll have a rent at that point).
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I'm not sure about MA. You guys have crazy insurance rules. In CT it is dependent on the carrier. We use whether you have a lien on your vehicle or not as a rating variable but it does not have a major impact. Nationwide, who I have my insurance through, does not use it as a rating variable.
Fixed interest on an auto loan typically means a fixed interest rate, not that you pay a fixed amount of interest. Interest is computed off the amount of outstanding principal. Less outstanding principal = less interest. You will save money in interest if you pay it off sooner. Unless you have a weird loan. Here is a fun calculator to play with to figure out how much you'll save http://www.dinkytown.net/java/AutoPayoff.html
Fixed interest on an auto loan typically means a fixed interest rate, not that you pay a fixed amount of interest. Interest is computed off the amount of outstanding principal. Less outstanding principal = less interest. You will save money in interest if you pay it off sooner. Unless you have a weird loan. Here is a fun calculator to play with to figure out how much you'll save http://www.dinkytown.net/java/AutoPayoff.html
