Nashua_Night_Hawk

CL-S Payments soon will be history for me and my CLS will mine and "payment free".

I acquired my CL-s On June 15, 2000.

Out of the door cost, tax free, for $33,400.
Paid down $3,400 and finance $30,000 from Honda Finance at %8.99 for 36 months.

Monthy payment is $953.85.

1) Paid down $3,400
2) Paid so far 9x$953.85 = $8584.65,
3) PLUS 12,000 paid on 02/15/01

Total $23984.65

Some $11,000 and my CLS would be debt FREE.

Couple months from now I can see this happening

Do you think this is the way to go? What about you? Thanks for your feedback.

------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks.
- Mooonroof visor
- Splash guards,
- Winter mats,
- Trunk liner,
- Acura Spoiler.
- Valentine V1 Radar Locator.
- PIAA 19169 road lamps.
- 03/19/01: Injen Polished CAI

URIRx98

wow that is crazy to have a 1 thousand dollar buy payment. my lease payment is 480 and that includes everything but the navi unit, b ut i do have the spoiler.
wg

------------------
The SILVER STREAKER CL-S no navi, spoiler, tint all around, moonroof visor,
indaglo emblom, ACURA.CL.com stickers, eurolights fog lights, bel 950 radar detector, and 2 chamber flowmaster exaust
hyperwhie highbeams and corner lights, and eyeball fogs. 620+ posts makes me still a freak on the old Cl page.
my cl-s http://albums.photopoint.com/j/Album...725&a=11443786

fbazakos

shit i financed for $504 a month.

------------------
Black 2001 Type S
*Xephyr Cold Air Intake
*PIAA 19169 Road Lamps
*Acura Winter Mats
*Mudguards
*Mobile 1 Synthetic
*Rockford 500a2
*Pioneer 12" @ 400w (x2)
---Still 2 rims not scratched---

Jayru

Dude, you fucking rock!

I am the same god damm way!
Only I am making like $1,200 payments a month.

But, I fucked up and wrecked the god damm car, so now I owe like $24,000 still(including the bodyshop payments)

Ahh, What can you fucking do? Eah?

Glad to hear that your car is almost payed off.

CLS ACT

Good for you!

Bought in Aug 00, I got $6871 to go on mine, or just 11 more double payments of $640 (BTW I only financed $12K) Though I may back off on the double if the new house comes into play.



------------------
The Red Rocket

bone-stock, and now she's Dented and Miserable!

NOVAwhiteTypeS

10k down, 11% apr 540/ month 60 months

I know, I'm getting raped from my apr even tho I put 10G's.

cuz I bought it when I was 19 w/ a credit limit of 2000 max.

------------------
CL-S
White/Ebony/Navi/Spoiler/Visor/Full Bra/Mud Guards/Cargo Net/Acura Car Cover/Tint 20%,35%,5% on Sun Roof, Rockford 250a2 Amp w/JL10w6 / K&N Drop in Filter. Comptech Springs. Polarg m-6.
Comptech Headers, Comptech Sways, Eurolite Xenon Crystal high beams.
AEM CAI once they decide to make the dame thing.
235/40/17's or 225/45/17's once I found out which one works for me.

gtech 0-60 6.03 w/ 438 pound load. preheader.

Wyle E. Coyote

I put $8000 down and pay $477/month @ 7.85% for 60 months. I doubt I'll ever pay it off because I will likely be getting a 5-series BMW in 2-3 years. No flames please!

------------------
2001 Acura 3.2CL Type-S
Satin Silver/Ebony
No Navi
No Badges

Competch springs/35% tint/Wheel locks/Splash guards/PIAA 19169 bulbs/K&N 33-2178 air filter/Mobil-1 5W-30 oil & filter/Shine by Meguiar's/One scratched rim

mattldm

I put $6300 down and I am paying $449.52 a month for ( OUCH!! ) 72 months! Oh well!
I probably will not have this car for another 5 1/2 years. I am thinking of a 2003 TL-S, or maybe an Audi or Bimmer. Just maybe!

------------------
2001 CL-P Emerald/Parchment

Acura S

hey man are you gonna do the tourist delivery when you buy the 5 series????



------------------
Sundance,Navi,
Spoiler, mflaps, wheel well trim, dark dark tint, nose mask, polarg m6's, lead foot

StonedCL

iTrader: (1)

I put 6000 down and 500 a month for 5 years, well 4 left.

Wyle E. Coyote

But, of course!



------------------
2001 Acura 3.2CL Type-S
Satin Silver/Ebony
No Navi
No Badges

Competch springs/35% tint/Wheel locks/Splash guards/PIAA 19169 bulbs/K&N 33-2178 air filter/Mobil-1 5W-30 oil & filter/Shine by Meguiar's/One scratched rim

Nashua_Night_Hawk

The only reason I did not pay it cash when I bought is that I was fully invested in the stock market. Now, almost one year, the market is fucked up big time, so 3 month ago, I decided to invest in my CLS and sve my sorry ass some interest.

What can I do, so far my paper loss in the stock market is $30k+. I could have bought another CLS or maybe got an M5!

------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks
- Mooonroof visor
- Splash guards
- Winter mats
- Trunk liner
- Acura Spoiler
- Valentine V1 Radar Locator
- HELMS Service Manual
- PIAA 19169 road lamps
- 03/19/01: Injen Polished CAI

Achance

My payments are $446/month for 4yrs @ 9.9%. I put down $14.5k in september. And I'm planning on paying it off this year but I don't know if I can do it. I think I still have about $14k to go in 9 months. It is going to be hard paying $1,500 month. Especially since I just spent $1k on front and center speakers, and still have to buy a sub and rears for my Home theater system.

EricL

But, you got a nice car, and your enjoying it



------------------
2001 Satin Silver Cl-S w/ NAVI

• Mud Guards
• Wheel locks
• Toyo 235/45ZR17-97W* T1S Proxies on Stock 17" CLS wheels
• Gtech 1/8th tank 40F ~=6.1
• Zaino magic
• 14.8lb 17x8" SSR Competition rims on the way
• Sways, headers, CAI comming soon

Nashua_Night_Hawk

Sure I love it, but I hate the Acura Paint. Worse mine is a black CLS. Today, After washing my CLS I noticed those fugly deep water spots. Even hand waxing did not help.... Time for a buffer job and nice wax job.

Oh, don't even mention the chips and the scratches that appear from nowhere. Ahh,.. I Still love my CLS.

------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks
- Mooonroof visor
- Splash guards
- Winter mats
- Trunk liner
- Acura Spoiler
- Valentine V1 Radar Locator
- HELMS Service Manual
- PIAA 19169 road lamps
- 03/19/01: Injen Polished CAI

[This message has been edited by Nashua_Night_Hawk (edited 03-17-2001).]

EricL

(Humble suggestion -- have you tried any of the "final inspection" products to get at the water spots?)

I don't know how nasty your water is...




------------------
2001 Satin Silver Cl-S w/ NAVI

• Mud Guards
• Wheel locks
• Toyo 235/45ZR17-97W* T1S Proxies on Stock 17" CLS wheels
• Gtech 1/8th tank 40F ~=6.1
• Zaino magic
• 14.8lb 17x8" SSR Competition rims on the way
• Sways, headers, CAI comming soon

Nashua_Night_Hawk

Really I just washed it. and noticed those water spots on the hood. tried a liquid wax NuFinsih quickly, and I had to stop. I bought Maguire's new cleaner-wax paste and I would try tommorrow and see what happens.

Oh... It is snow again,... what a NE?!!

------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks
- Mooonroof visor
- Splash guards
- Winter mats
- Trunk liner
- Acura Spoiler
- Valentine V1 Radar Locator
- HELMS Service Manual
- PIAA 19169 road lamps
- 03/19/01: Injen Polished CAI

oonowindoo

i bought my cl-s With navi about 3 month ago. out of the door price was 34K. I m paying $755/month with 0 downpayment for 60 month and APR was 8.5%...
errr... i still have 5 years and 9 month 2 go , baby!!!!

Nashua_Night_Hawk

oono,

Your numbers are wacky and scary.

Let us see 755 x 60 = 45,300. Assuming you finacnced the whole 34,000 that's $11,300 (33%)in interest. You are skinned to death with Fdeal.

Check it back if numbers are acurate better find another financer.

------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks
- Mooonroof visor
- Splash guards
- Winter mats
- Trunk liner
- Acura Spoiler
- Valentine V1 Radar Locator
- HELMS Service Manual
- PIAA 19169 road lamps
- 03/19/01: Injen Polished CAI

sfeinstein

Hmmmm....so what should I do? Gonna buy a CLS in about a month. Yeah, the stock market is f*d up so I don't feel like investing the cash I have on hand (lost enough already ).
So: should I just buy my CLS outright, should I use the ~35K as the downpayment on a better car (a nice dream, maybe )or should I finance the CLS and hope I can use the extra cash on hand to invest at a higher rate of return than I'll spend on the interest?

Achance

I hate having a car payment. I just want to pay it off as fast as possible. But that is just me, I hate having debt and never carry a balance on my credit cards. So I saw pay it all off if you can.

oonowindoo

the car price was 32K. and as i remembered the total interests for 5 years is about 13K and the finanical manager told me it was 8.5%( ANNUAL INTERESTS). and it s 5 years not 1 year, so i cant be 33% or else i have to pay about 52K for 5 years of interests.
0.085 X 32000 x 5 = 13600 + 32000 = 45K i guess and 45000 divided by 60 month is $750 a month,
well that s what happens if u put 0 for downpayment, which means u have to pay longer. Longer means more interests.


[This message has been edited by oonowindoo (edited 03-18-2001).]

Nashua_Night_Hawk

From Yahoo Loan Calculator:

LOAN $34k, 8.5%, 60 payments:
=================================
ESTIMATED MONTHLY PAYMENT: $ 698
TOTAL COST OF ALL MONTHLY PAYMENTS: $ 41,854

DOWN PAYMENT: $ 0
VALUE OF CURRENT TRADE-IN: $ 0
TOTAL COST TO PURCHASE: $ 41,854


I guess you are over paying some $52/month or $3,120/loan. Your effective annual interest rate is 11.65%.


------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks
- Mooonroof visor
- Splash guards
- Winter mats
- Trunk liner
- Acura Spoiler
- Valentine V1 Radar Locator
- HELMS Service Manual
- PIAA 19169 road lamps
- 03/19/01: Injen Polished CAI

X3.2CLSX

Purchase my CL-S at Esserman Acura in Miami

Trade-In: 96 Ford Explorer XLT : 11,500
Purchase CL-S w/o Navi : 32,500


------------------
NightHawk Black CL-S
Black Interior
Clear Headlights

X3.2CLSX

Purchase my CL-S at Esserman Acura in Miami

Trade-In: 96 Ford Explorer XLT : 11,500
Purchase CL-S w/o Navi : 32,500
March 31, 2000

No payments: Paid in Full for 21,000


------------------
NightHawk Black CL-S
Black Interior
Clear Headlights

Type S

finance is that expensive?

------------------
2001 Acura Red CL Type S.
1997 Honda Civic EX.
!!!! VTEC Power !!!!
Powered by HONDA
Powered by MUGEN

typescl@yahoo.com

oonowindoo

hell yah. that s y i m planning to pay them all off in about 1 year. So the bank wont take advantage of me =)

sneakypete

Man there are some large payments on this board. I am not as bad off as I thought. My out the door cost , including TT&L was 30,524. I put 11,524 down and financed 19k for 60 months at 7.25%. My payments are 379.

Like some of you guys, I could have paid cash, but I can get more than 7.25 on my money by keeping it and investing wisely. There is no way I am going to come close to keeping the car 5 yrs. 2 or 3 tops. Either way I will have pleny of equity in the car when I sell it or trade it down the road.

sniper

smartest answer in this entire posting....the best financial advice I have ever been give is "use someone else's money" why would anyone drop 30 bones right out-a-pocket when "if you can get a decent rate" you can borrow the 30 and invest your own "wisely" and have a greater rate of return overall. I was at the Audi dealer yesterday and one of the salesmen was telling me about a guy that wrote a check for 80 grand..yea he is paying no interest, but can you imagine what 80 grand can do.
Now granted the market is in the toilet, but thats great for us...this is the time to invest in something with upside potential, not a car that can only go down...
you guys that have the money to pay cash for your cars, great, I'm happy for ya, but don't sit in here and try to make the other guys feel bad because their maybe not as well off financially as you are....besides if your blowing a wod that big on one of the fastest depreciating items on the market your not the sharpest tool in the shed anyway.



------------------
Black Type S, Spoiler, Comptech Headers, AEM CAI, Comptech Springs and Sway Bars...touch my car I WILL kill you
my other car is a hummer

sniper

Kavextrax, where are you on this posting anyway????

------------------
Black Type S, Spoiler, Comptech Headers, AEM CAI, Comptech Springs and Sway Bars...touch my car I WILL kill you
my other car is a hummer

Nashua_Night_Hawk

Sniper,

Just to let you, a stock expert was on record saying that NASDAQ will tank to 1200 level. The Economy is fundamentaly hurt big time. Feds will drop another .75 on Wednesday. No Recovery in sight before the 4thQ. Maybe, UE Rate will jump to 6%-7%, no surplus to fight over as the bitshes in Senate are just throwing stones will the ecomomy is tanking. Japan is already in Big Shit (i.e. Resssion). 75% of Adults in the US think we will be resesion.

What do you like to do? BTW, Where can I have a secure return of more than 9%!!! I would like know where I can use others money and have some.

------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks
- Mooonroof visor
- Splash guards
- Winter mats
- Trunk liner
- Acura Spoiler
- Valentine V1 Radar Locator
- HELMS Service Manual
- PIAA 19169 road lamps
- 03/19/01: Injen Polished CAI

sniper

I can see that you and I are gonna have alot of fun here:
Do you think that by throwing out some bullshit numbers and predictions your gonna impress or intimidate someone. Maybe your little words and phrases can make some of the 16 year olds that frequent this site think that you are on the cutting edge of the economy, but your not the only one that watches the markets and the economy. This so-called expert that your referring too, is this the same guy that predicted that the NASDAQ would ever hit 5,000, I say no, he is a bear and no matter where the market is he will always look for it to go lower. As far as your interest rate drop prediction, man your really going out on a limb there aren't you..that drop was priced into the market over three weeks ago. I also get the Wall Street Journal so your not telling me anything I don't already know. As far as what I'm doing, I'm continuing to invest. it's called Dollar-Cost-Averaging (but I'm sure since you obviously watch TV alot and learn these big words you already knew that) I will continue to invest especially with the prices where they are. Sure they may go even lower but I will invest even more then.
I tell you what you show me one financial advisor or so-called market expert that is paying cash for depreciating goods.
You and these other assholes that are bragging about all of the money and cars you have are not impressing anyone. This is Acura CL.com, Not rich little dick.com...and by the way, people with money don't brag to 15-25 year olds about how much they have, hell your probably still cruising the mall parking lot to show the high school girls that you have a big new car.....get a life man



------------------
Black Type S, Spoiler, Comptech Headers, AEM CAI, Comptech Springs and Sway Bars...touch my car I WILL kill you
my other car is a hummer

Nashua_Night_Hawk

Sniper,

Please, get your shot at the target, NOT me!

1) I did not call you asshole.
2) I did not call you dick.
3) I am not rich, in any standard.
4) I have only 1 CL-S
5) I was giving a financial advice.
6) I was not showing off or making a fuss.

Oh, Please you did not answer this: "Where can I use others money and have some?"

Thanks, and keep cool. I smell that this gona be closed soon.

------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks
- Mooonroof visor
- Splash guards
- Winter mats
- Trunk liner
- Acura Spoiler
- Valentine V1 Radar Locator
- HELMS Service Manual
- PIAA 19169 road lamps
- 03/19/01: Injen Polished CAI


[This message has been edited by Nashua_Night_Hawk (edited 03-18-2001).]

[This message has been edited by Nashua_Night_Hawk (edited 03-18-2001).]

[This message has been edited by Nashua_Night_Hawk (edited 03-18-2001).]

bc01cls

All I can say is CAR PAYMENTS SUCK. I owe about $6500 on mine and will have it paid off soon. How anyone can enjoy a car at $600-900 per month is beyond me.

------------------
CL-S PDG, TR Typhoon Wheels, Solaris 9005, guards, nose mask, V-1 & remote.
http://albums.photopoint.com/j/View?...493&p=31386570

sniper

No one, and I do mean NO one should be giving financial advice if they are not licensed to do so... I dont mean to be an ass but when people start telling or advising others how to manage their finances it pisses me off. I have seen to many people get screwed because they went off of someone elses well-intentioned advice. As far as this post being closed...it should have been closed from the very beginning...it has nothing to do with the Acura CL!

------------------
Black Type S, Spoiler, Comptech Headers, AEM CAI, Comptech Springs and Sway Bars...touch my car I WILL kill you
my other car is a hummer

sniper

Nashua...I did not call any names in my initial post, but somehow I knew you would be the one to respond, what the hell do you have against me anyway. As far as who's money you can use, well since your interest rate is at 8.99 then you should probably be reducing your rate like you said, but for anyone under around 7.5 it would serve them better to use the financier's money and invest their own. BTW why in the hell do you have 8.99 for 36 months, you either are young with basically no credit record or you have a negative report on your credit record. With decent credit you can get a much better rate especially for only 36 months

------------------
Black Type S, Spoiler, Comptech Headers, AEM CAI, Comptech Springs and Sway Bars...touch my car I WILL kill you
my other car is a hummer

[This message has been edited by sniper (edited 03-18-2001).]

Nashua_Night_Hawk

Sniper, nothing against you.

Have a good night, and Enjoy your Black Night Hawk

------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks
- Mooonroof visor
- Splash guards
- Winter mats
- Trunk liner
- Acura Spoiler
- Valentine V1 Radar Locator
- HELMS Service Manual
- PIAA 19169 road lamps
- 03/19/01: Injen Polished CAI

Nashua_Night_Hawk

As for the credit. I have an EXCELLENT record, but NEW record. I would keep it that way.

I have a young record that is it.

Enjoy your CLS, and I would love to know how do you like the Comptech mods. If you write up a nice review that would great.

------------------
Black, Ebony, 3.2 CL Type-S.
- Acura NAV.
- 3M clear bra (full front bumper, and side mirros)
- Wheels locks
- Mooonroof visor
- Splash guards
- Winter mats
- Trunk liner
- Acura Spoiler
- Valentine V1 Radar Locator
- HELMS Service Manual
- PIAA 19169 road lamps
- 03/19/01: Injen Polished CAI

typeR

i bet i have the lowest payments...297+ tax 315 mo 36/mos lease 6200 down 28.650 for the cl-S

------------------
'01 3.2 CL typeS
satin silver metalic
Llumar platinum plus
tint 20% all around

-----------------
'98 ACCORD V-6 sedan
16" coupe wheels
215/55/16 nitto's
20% smoke titanium
black chrome kit

EricL

Well, if you had a crystal ball (in Feb/Mar 2000) you could have invested in bonds back in March using a ladder (2 year stagger of differing bond types) of B-AAA rated bonds. The current "adjusted" return is about 9% on just such an arrangement.

(Of, course, if the economy gets TOO much worse, who knows what will happen to it. I helped with the bonds as an afterthought, and did well [as most did in the 1st quarter of last year] on "good" techs. Right now, even the "better" aggressive growth/growth fund managers look like a bunch of morons. I don't even want to look at some of "our" sector and growth funds.)

-> Yes, you have a very good points. Do let us know when the market has "capitulated!"




------------------
2001 Satin Silver Cl-S w/ NAVI

• Mud Guards
• Wheel locks
• Toyo 235/45ZR17-97W* T1S Proxies on Stock 17" CLS wheels
• Gtech 1/8th tank 40F ~=6.1
• Zaino magic
• 14.8lb 17x8" SSR Competition rims on the way
• Sways, headers, CAI comming soon