Ducati Monster Forum

Kitchen Sink => No Moto Content => Topic started by: cyrus buelton on August 09, 2010, 07:27:38 PM

Title: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 09, 2010, 07:27:38 PM
Odd I am asking this as I do corporate finance/treasury for a living, so I am very good at financial matters, both work related and personal.

I just paid off my Lexus (About 10mins ago) two years early  [thumbsup]. Very proud of that as it was my goal to keep with my personal savings and extra money saved to pay off early as the interest rate sucked on a used car. I have a very very high FICA score and the best rate I could get was 8%.

Anyway.......

My 2004 Jetta TDI has 83k on the clock. We've had two rust repairs (covered by warranty) and a few other factory covered crap. We are approaching a high service cost interval and most importantly.........we got run off the road back in January by a make the beast with two backsing cab, hopped a curb, ran over some little trees, etc. All cosmetic, but ever since........the car just doesn't drive right. It is just different and we don't like it.

Therefore, based on the above, I have started to look at dumping the car (after reading, 2004's had some issues) and buying a new 2010 Jetta TDI. The engine is better, much better options, larger trunk, and bigger backseat (not really sure on dimensions verse mine, but it looks  bigger).

I have two high level connections at two VW dealers in the area, so I am working with both and pitting them up against each other (yeah, scum bag move.......but that is how you negotiate cars). I will have the numbers from one dealer tomorrow afternoon and then the other when I visit tomorrow evening.

After speaking with Dealer #2, he was very excited about my 2004 TDI to get on his used car lot, so he might give me more on the trade verse Dealer #1. I realize I have to separately negotiate trade verse pricing.

As for sticker price......I won't pay it. I want invoice or below (having contacts that I fortunately have are great. I've helped out a few friends with new vehicles and the pricing that got was phenomal. So if anyone in Ohio is pot committed to buying a new vehicle, contact me and we can work on it. There is no wishy-washy on this. Once the process is started, you have to buy the car, if you don't........it will piss my cousin off as I vouched for a friend and he potentially loses a contact)

So the question is................what do I do?

I know cars are not investments, they are money pits.

This new Jetta kicks ass. The motor is light years ahead of my current one, oil change intervals are longer (VW says 10k....but I think that is too long), integrated touch screen media with bluetooth, media card insert for music and an auxiliary jack to directly plug a 3.5mm jack in for I-pod (wife) and blackberry (for me).

One cool thing is the power steering is now all electronic, not fluids, etc like standard power steering. It is pretty wild.

The car "Engine Brakes" a lot, which is nice as it will save on rotors and pads. I also love the fact it has 230 ft lbs of torque!!! This make the beast with two backser is fast.

Also..........I am buying this for my wife. She has never had a new car in her life, she has progressed so far in her career, and she is going to graduate college this winter. She deserves something for all her hard work and also putting up with me.

0% financing on 2010 models.

Trading in TDI and also throwing down a sizeable down payment to get my monthly loan to where I want it, or I might just pay straight wire transfer cash for it. I haven't decided.


So the rambling is ending...........

1. Good Financial Decision?
2. Bad Financial Decision?
3. Reasoning?
4. I am fully aware of buying new is shit, etc etc etc.

Talked to my Dad and he said it was a dumb financial decision even after I gave the full rational of why I am inquiring into it, but then again.......he has made some bonehead moves over the years with vehicles.

Here are some decent blackberry photos I took of the vehicle. It is fully loaded, 17in rims, sport package, etc. All it needs is a window tinting.

(http://i636.photobucket.com/albums/uu82/jshoward11/SideView-1800.jpg)
(http://i636.photobucket.com/albums/uu82/jshoward11/rear9-1800.jpg)
(http://i636.photobucket.com/albums/uu82/jshoward11/dash9-1758.jpg)
(http://i636.photobucket.com/albums/uu82/jshoward11/touchscreen9-1758.jpg)

Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Popeye the Sailor on August 09, 2010, 07:49:16 PM
Bad financial decision. I thought you wanted to buy a house, and here you're looking at shiny new cars?

A lot of the things you mention could be had easily in an older TDI-a chip will run about $300 and give it much more oomph, a new deck will give you your ipod hookup (though, there's is a way to hook one up to any car for about $20). I'm not sure I'd consider touchscreen positive on a moto forum  ;)


Also, why pay the premium for the diesel if you think 83K is trade-in worthy? It should be barely broken in. If the driveability is the major complaint, find a proper shop to check out the car-they should be able to fix it easily.


You already know the answer, you're just liking the shiny. make the beast with two backs that.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 09, 2010, 07:55:55 PM
Quote from: MrIncredible on August 09, 2010, 07:49:16 PM
Bad financial decision. I thought you wanted to buy a house, and here you're looking at shiny new cars?

A lot of the things you mention could be had easily in an older TDI-a chip will run about $300 and give it much more oomph, a new deck will give you your ipod hookup (though, there's is a way to hook one up to any car for about $20). I'm not sure I'd consider touchscreen positive on a moto forum  ;)


Also, why pay the premium for the diesel if you think 83K is trade-in worthy? It should be barely broken in. If the driveability is the major complaint, find a proper shop to check out the car-they should be able to fix it easily.


You already know the answer, you're just liking the shiny. make the beast with two backs that.

Purchasing a house is in the 2-3 year time frame.


Not liking the shiny.......I won't even be driving this car.

I am not concerned about the power.....I am not a car gearhead that gives a shit about that.

I was looking at the issues we've had with this car and the financial implications it will cost us in the long run.

As I mentioned, I had A LOT of warranty work done it when it was covered and then out of pocket when that expired.

My concern is the more miles that get socked on it, the less it is worth, and the more money I dump into it.

Quote from: MrIncredible on August 09, 2010, 07:49:16 PM
You already know the answer, you're just liking the shiny. make the beast with two backs that.

That's a pretty interesting line coming from a guy who hates luxury cars, but just bought one for you Mom (Awesome gift if that is what Momma really wanted)
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Popeye the Sailor on August 09, 2010, 08:17:33 PM
Quote from: cyrus buelton on August 09, 2010, 07:55:55 PM
Purchasing a house is in the 2-3 year time frame.

Not liking the shiny.......I won't even be driving this car.

You've taken pictures of it and gushed over the accessories. If you just wanted something that drove fine, you could get a 5 year old Toyota.

Quote from: cyrus buelton on August 09, 2010, 07:27:38 PM

I also love the fact it has 230 ft lbs of torque!!! This make the beast with two backser is fast.
Quote from: cyrus buelton on August 09, 2010, 07:55:55 PM

I am not concerned about the power.....I am not a car gearhead that gives a shit about that.

Dude. Pick one.

Quote from: cyrus buelton on August 09, 2010, 07:55:55 PM

I was looking at the issues we've had with this car and the financial implications it will cost us in the long run.

As I mentioned, I had A LOT of warranty work done it when it was covered and then out of pocket when that expired.

My concern is the more miles that get socked on it, the less it is worth, and the more money I dump into it.

If you had to sink so much into the last one, why one earth would you buy another? The depreciation you'd take on this other car would be how many grand? How much maintenance would the old one need to even catch up?

Quote from: cyrus buelton on August 09, 2010, 07:55:55 PM

That's a pretty interesting line coming from a guy who hates luxury cars, but just bought one for you Mom (Awesome gift if that is what Momma really wanted)

I do hate luxury cars-I also bought a 12 year old one with 77k on it for my mother.

The Incredible grocery getter is a 2001 Toyota 4runner, bought used.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: herm on August 09, 2010, 08:20:36 PM
as mentioned, 83k is just getting broken in for a diesel. what a waste.

Is it paid for? if so, why in the world would you want to add another car payment? think about all the other things you could do with the money. dont get sucked in with the "good rates" trap...they will still be there when you really need a new car.

after all that, if you are set on getting a new car,....skip the diesel. the jetta already gets pretty good mileage. paying the up front cost for a diesel is a bad decision unless you plan to drive the vehicle into the ground, or you need to pulling power (which of course you dont, because we are not talking trucks.)
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Randimus Maximus on August 09, 2010, 08:21:51 PM
not sure why you are asking for advice on this forum.

Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Grampa on August 09, 2010, 08:27:24 PM
Quote from: Randimus Maximus on August 09, 2010, 08:21:51 PM
not sure why you are asking for advice on this forum.



boobies


;)
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 09, 2010, 08:30:36 PM
Mr I - I was just mentioning the power difference between my 2004 and the newer diesel engine. It is completely different. I probably should have explained that so there was no confusion.

I like diesels as my wife drives 46mi round trip each day which is 1 gallon of diesel at 3$ a gallon.

The jetta the dealer gave us as a loaner is a 2.0 (Whatever that means...I guess a hopped up motor?), it gets 20mi on the highway.

Therefore, at gas being 2.65, multiply that by 2 to equal what I pay for 1 gallon of diesel. I consider that a big cost savings annualized.

I took pictures of it for my wife as I went alone to look at it while she was attending her college classes. I just posted them to share what the vehicle looks like. Yeah, I do like the accessories, but I can also live without them.

Quote from: herm on August 09, 2010, 08:20:36 PM
as mentioned, 83k is just getting broken in for a diesel. what a waste.

Is it paid for? if so, why in the world would you want to add another car payment? think about all the other things you could do with the money. dont get sucked in with the "good rates" trap...they will still be there when you really need a new car.

after all that, if you are set on getting a new car,....skip the diesel. the jetta already gets pretty good mileage. paying the up front cost for a diesel is a bad decision unless you plan to drive the vehicle into the ground, or you need to pulling power (which of course you dont, because we are not talking trucks.)


Yes, the TDI is paid for and the title resides in my lockbox at my bank.

My main concern is all the issues it has had and will continue to have as more miles and time passes.

The motor is fine.......bullet proof.

It is just a bunch of annoying little shit that I am sick of having fixed. My god, the thing has already had 2 rust repairs (warranty) and a new bumper due to a paint issue. I am meticulous about maintaining and washing my cars, so there is something drastically wrong with the finish of this one.

I've read similiar stories with 2004's having issues and they have been sorted and fixed on the newer ones.

main concern is the car devaluing to the point where it is worth shit or a drastic issue happens.

The transmission is already starting to act funky on it. A friend of mine had the same year, make, etc.

He had the tranny replaced 2 times before he got rid of it. It only had 110k on the clock.

Those are my concerns.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 09, 2010, 08:31:01 PM
Quote from: Randimus Maximus on August 09, 2010, 08:21:51 PM
not sure why you are asking for advice on this forum.

[roll]
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Randimus Maximus on August 09, 2010, 08:31:48 PM
Quote from: bobspapa on August 09, 2010, 08:27:24 PM
boobies


;)

me likes them too!
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Kopfjager on August 09, 2010, 08:33:27 PM
If your gonna get one, get the "TDI Cup Edition".  [evil]


(http://i201.photobucket.com/albums/aa91/chiflado/volkswagen-jetta-tdi-street-edition.jpg)
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 09, 2010, 08:35:12 PM
^

whoa, that is cool!!!

probably out of my budget, though.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Kopfjager on August 09, 2010, 08:38:52 PM
Quote from: cyrus buelton on August 09, 2010, 08:35:12 PM
^

whoa, that is cool!!!

probably out of my budget, though.

That model starts at 25, that one is 28.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: GAAN on August 09, 2010, 08:42:13 PM
I dunno if you listen to anyone on here or of all your posts are simply bait

but

I'll take a nibble

In about 6 months I will have the titles to both my rigs

I hope to avoid buying another car ever again

I don't care if the damn thing flys and blows me at the same time

Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Grampa on August 09, 2010, 08:45:17 PM
here is my advice.....


* self edit ( I wrote a shit-ton of usefull advice then remembered something and deleted it all )
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Kopfjager on August 09, 2010, 08:45:39 PM
Quote from: Mother on August 09, 2010, 08:42:13 PM
I don't care if the damn thing flys and blows me at the same time


I haven't had a car payment in 15yrs, but if you see one of those for sale I'm in.  :D
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Grampa on August 09, 2010, 08:47:35 PM
Quote from: kopfjäger on August 09, 2010, 08:45:39 PM
I haven't had a car payment in 15yrs, but if you see one of those for sale I'm in.  :D

almost there

(http://media.southparkstudios.com/media/images/511/image_07.gif)
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Kopfjager on August 09, 2010, 08:48:28 PM
Quote from: bobspapa on August 09, 2010, 08:47:35 PM
almost there

(http://media.southparkstudios.com/media/images/511/image_07.gif)

[laugh] [laugh] [drink]
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 09, 2010, 08:52:14 PM
Quote from: Mother on August 09, 2010, 08:42:13 PM
I dunno if you listen to anyone on here or of all your posts are simply bait

but

I'll take a nibble

In about 6 months I will have the titles to both my rigs

I hope to avoid buying another car ever again

I don't care if the damn thing flys and blows me at the same time

I like to keep my posts all over the board so nobody really knows my personality. Something I enjoy doing.

I thought the 04 I own was going to be a lifelong car, but with all the history on it and the miles building up, it is starting to scare me. The market for the TDI's on the used lots is good right now, so that is also a consideration.

For what its worth, there will be no loan on this car.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Kopfjager on August 09, 2010, 08:58:17 PM
From VW

"Now there's one more reason to buy a VW TDI Clean Diesel vehicle: a tax credit of up to $850*. TDI vehicles will always be high-performance, fuel-efficient, and environmentally conscious. But the window for your Alternative Vehicle Tax Credit is quickly closing. Act now before this government program runs out."
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: GAAN on August 09, 2010, 08:59:28 PM
I know you like to think that somehow the internet means that your actions don't matter

but

you have been here a really long time

this is how you have acted the entire time

thus

this is your personality

the internet is no different than a face to face conversation, a phone call, a written letter or any other form of communication

its not a fad

it's not going away

your personality is how other perceive you...



this is pointless isn't it?
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: JBubble on August 09, 2010, 09:16:53 PM
Quote from: Mother on August 09, 2010, 08:59:28 PM
this is pointless isn't it?

Yes.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: J5 on August 09, 2010, 10:40:18 PM
is it DSG ? if so dump it for sure a gearbox rebuild is big money

euro and a lot of miles = dollars

new cars are great but cost money

VW is nice but would something else be a better choice ?

i had my vw on lease for business and got rid of it before warranty ran out as i use it for work if i'm not driving it then i'm losing money so for example a gearbox job = 1 year lease payments on a new one so it was a no brainer to get rid of it
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: lethe on August 09, 2010, 10:53:25 PM
Bah, 2010 is sooooo this year, my 2011 Golf TDI is like the car of the future  [cheeky]

Also, the 0% is on models except TDIs

loving mine so far, racing an older BMW 540i that must've thought I was a GTI and kept up far better than I expected  [evil]
Make sure to read the owners manual, I didn't even know how to open the fuel door  [laugh] *hint* it's too obvious so you wouldn't think of it


(http://i13.photobucket.com/albums/a295/giacco/TDI004.jpg)
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: herm on August 10, 2010, 03:30:06 AM
just like an audi...
you just press one side of the fuel door, and presto! it opens
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 10, 2010, 04:08:50 AM
Quote from: kopfjäger on August 09, 2010, 08:58:17 PM
From VW

"Now there's one more reason to buy a VW TDI Clean Diesel vehicle: a tax credit of up to $850*. TDI vehicles will always be high-performance, fuel-efficient, and environmentally conscious. But the window for your Alternative Vehicle Tax Credit is quickly closing. Act now before this government program runs out."

I knew about that which also factors in, but thanks for posting it up. I'll take almost another grand off it.

Quote from: Mother on August 09, 2010, 08:59:28 PM
the internet is no different than a face to face conversation, a phone call, a written letter or any other form of communication

Face to Face communication is nothing like the internet. You can be whoever you want and nobody would know the difference.

One member on the old forum was actually a celebrity. How do I know and can confirm? Because I met him. He apparently took a liking to me. And no, I won't say who it was.

I have no idea why you think it is even close. As I am sitting here typing this, how can you see the expression on my face or the look in my eyes. If you want to know, they are wide open and I chuckling to myself about it. So if I wouldn't have added that, how would you know my true reaction?

I also could have worded it differently and been like "oh yeah, you are so right"

However, if we were talking in person or even over the phone, you could read the sarcasm as my eyes roll back in to my head as my head then falls to the ground, and then I start laughing.

back to cars.


Quote from: J5 on August 09, 2010, 10:40:18 PM
is it DSG ? if so dump it for sure a gearbox rebuild is big money

euro and a lot of miles = dollars

new cars are great but cost money

VW is nice but would something else be a better choice ?

i had my vw on lease for business and got rid of it before warranty ran out as i use it for work if i'm not driving it then i'm losing money so for example a gearbox job = 1 year lease payments on a new one so it was a no brainer to get rid of it

Based on some quick research it appears I do have the DSG transmission with the tiptronic feature. It has occasionally acted funny over the last 30k mi, mostly when going up a hill. Never really thought much of it until I talked to my friend who had the same year and he had to replace his tranny twice.......first time around 100k and the next at like 115.

The reason I chose VW is because they have a diesel motor; I am not even sure if there are any other cars on the US Market with a diesel? My wife drives a lot and the 46mi a gallon is killer.

Also, I prefer foreign cars over american and more specifically, I like German cars.

My 04 was all made in Mexico, but it appears the 2010 has parts from several countries. I don't have the the sticker with that info, so I can't rattle it off the top of my head.

Quote from: lethe on August 09, 2010, 10:53:25 PM
Also, the 0% is on models except TDI

The one dealer I was at yesterday said all 2010 models have 0% financing. Maybe that is a special they are running? I really have no idea.

Quote from: lethe on August 09, 2010, 10:53:25 PM
Make sure to read the owners manual, I didn't even know how to open the fuel door  [laugh] *hint* it's too obvious so you wouldn't think of it

I think it is located on the door next to the trunk lever.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: GAAN on August 10, 2010, 04:23:21 AM
So based on that

Do you even want/are considering this purchase

Or

Is this just the fictitious posting of your fictitious online personality?
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: ducatiz on August 10, 2010, 04:36:48 AM
I would sell the 04 privately.

You will get more money for it.

Have it detailed.  Make sure any small issues are fixed, if you can do it for under 7-800 total. 

Private sales will get you a lot more money, as much as 1-2 grand.

When I sold the volvo, trade in on it was 3500.  I sold it for 5500 after having it cleaned up and spending 800 having the timing belts and other belts replaced, new main seal, and new AC hoses and a few other things.  it leaked a tiny bit of oil from the seal. 

that was a '98 S70 T5.  Probably as in demand as the 04 TDi's
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: badgalbetty on August 10, 2010, 04:44:02 AM
I own a 1992 Honda civic. Paid for. Gets 30 mpg. Has new tires shocks struts and snow tires that came with the car. The timing belt was done 25k ago. It has dents and scratches and a door window seal is gone. It leaks water in at the car wash. I love this car!
I will never sell it. Not having a car payment for the first time in years is a wonderful thing.
Love ya baby, and remember she who owns your ass (BGB) advises against this move.
Let your wallet talk your heart out of it.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: yosso on August 10, 2010, 04:45:37 AM
What you gonna get for your trade? Is the 2004 an auto or manual? 

If it's a manual, you should see if you can sell it outright for more on the tdiclub.com forums. 

You should ask yourself, self, what would Dave Ramsey (http://www.daveramsey.com/store/google-special-offer-dave-ramsey-total-money-makeover-financial-peace-university/cGLP-p1.html?ictid=goog&s_kwcid=TC%7C6886%7Cdave%20ramsey%7C%7CS%7C%7C2839046516&gclid=CN_H-N6Dr6MCFUsJ2god9WtA3g) do?

M.

Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: ducatiz on August 10, 2010, 04:49:12 AM
Quote from: yosso on August 10, 2010, 04:45:37 AM
You should ask yourself, self, what would Dave Ramsey (http://www.daveramsey.com/store/google-special-offer-dave-ramsey-total-money-makeover-financial-peace-university/cGLP-p1.html?ictid=goog&s_kwcid=TC%7C6886%7Cdave%20ramsey%7C%7CS%7C%7C2839046516&gclid=CN_H-N6Dr6MCFUsJ2god9WtA3g) do?

M.

Dave Ramsey would write another book or add another sponsor to his show, get paid $5 million for it and pay cash.

I am not saying he is a fraud, he's not, but he is in a totally different place than 99% of the population.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 10, 2010, 05:19:14 AM
Quote from: Mother on August 10, 2010, 04:23:21 AM
So based on that

Do you even want/are considering this purchase

Or

Is this just the fictitious posting of your fictitious online personality?

It is a true honest posting.

Why else would I have posted blackberry pictures off my phone in the original post?

Nothing fictitious about this.

Quote from: ducatiz on August 10, 2010, 04:36:48 AM
I would sell the 04 privately.

You will get more money for it.

Have it detailed.  Make sure any small issues are fixed, if you can do it for under 7-800 total. 

Private sales will get you a lot more money, as much as 1-2 grand.

When I sold the volvo, trade in on it was 3500.  I sold it for 5500 after having it cleaned up and spending 800 having the timing belts and other belts replaced, new main seal, and new AC hoses and a few other things.  it leaked a tiny bit of oil from the seal. 

that was a '98 S70 T5.  Probably as in demand as the 04 TDi's

I have thought about this as I know private sale yields more $$$$.

The problem is because of the recent accident (all cosmetic they claim, but the make the beast with two backser doesn't drive right), people will run the CARFAX on it and then try to haggle the make the beast with two backs out of me on price.

I am not trying to rationalize it as I am considering privately selling it.

Through one of my contacts I was given........he seemed very excited about the Jetta as he said they are hot at the auction market right now, so I would like to see what he would give me verse selling outright.

A quick search on ebay puts the private market selling price at around 9400$, but I figure I will get about a grand less because of that make the beast with two backsing foreign cabby who about killed Tiff and I.

No need for a detail........I am meticulous about keeping my cars VERY clean. I interior detail usually every weekend on both cars (weather permitting of course) and leather condition the seats monthly, with also quarterly saddle soap cleanings. (Mother - that is real too. Not made up)

Quote from: yosso on August 10, 2010, 04:45:37 AM
What you gonna get for your trade? Is the 2004 an auto or manual? 

If it's a manual, you should see if you can sell it outright for more on the tdiclub.com forums. 

You should ask yourself, self, what would Dave Ramsey (http://www.daveramsey.com/store/google-special-offer-dave-ramsey-total-money-makeover-financial-peace-university/cGLP-p1.html?ictid=goog&s_kwcid=TC%7C6886%7Cdave%20ramsey%7C%7CS%7C%7C2839046516&gclid=CN_H-N6Dr6MCFUsJ2god9WtA3g) do?

M.

Don't know trade yet, a lot of it will be based off that or the private selling route.

It is an auto........which I know the TDI Buff's don't prefer or so it seems.


Re: Ramsey see below:

Quote from: ducatiz on August 10, 2010, 04:49:12 AM
Dave Ramsey would write another book or add another sponsor to his show, get paid $5 million for it and pay cash.

I am not saying he is a fraud, he's not, but he is in a totally different place than 99% of the population.

Damnit, you beat me to it!!!!!

I listen to his show just because 99% of the people that call in are idiots and he gives basic advice.

Nothing that he tells people is anything that a halfway intelligent individual could figure out.


"I make 3,000 a month, my wife makes 2,000 a month, so we have a combined income of $5,000. Our house payment is 2200$ a month and we have a combined car payments of 1100$ a month. We also have two kids. We are struggling financially and need help, the bills are piling up"


Oh really????

Take 5,000 incoming with a fixed outgoing of $3300..........well no shit you have a make the beast with two backsing problem. Oh yeah, throw in car insurance and home insurance too, there goes more money. Oh yeah, don't forget property taxes.


Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 10, 2010, 11:21:30 AM
Got Quote from Dealer #1

6k trade for my jetta (way low end of paperwork they work off of. I am fortunate to have what they have so I know they are screwing me)

They knocked 300$ off the price off the sticker.


Dealer #2 please


Kopjager - federal tax credit is $650, it was $1300 prior to June 30 (did some additional reading)
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Kopfjager on August 10, 2010, 11:24:27 AM
You better hurry up then.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: duccarlos on August 10, 2010, 12:07:27 PM
And this is why you will never enjoy food from a truck. You over think EVERYTHING. A car is not an investment. Buy a freaking M3 for the make the beast with two backs of it.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: lethe on August 10, 2010, 12:10:43 PM
Quote from: herm on August 10, 2010, 03:30:06 AM
just like an audi...
you just press one side of the fuel door, and presto! it opens
I wasted my time looking for a button to release, you feel like a dumbass when you find out how simple it is.  [laugh]

Jud, not sure if it's an issue that was resolved but I recall hearing that some sensor or sensors didn't like the added vibration of the diesel and were prone to fail. Probably not an issue for you due to you not putting an abnormal amount of mileage on the car but just the hint of the problem became part of my decision to go with a stick. Today I got 49 mpg on the way in and 46 back home.

Quote from: duccarlos on August 10, 2010, 12:07:27 PM
And this is why you will never enjoy food from a truck. You over think EVERYTHING. A car is not an investment. Buy a freaking M3 for the make the beast with two backs of it.
or get the TDI, chase cars with twice the horsepower and yet keep up anyway   [cheeky]
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: duccarlos on August 10, 2010, 12:20:56 PM
I don't care if it's the TDI, the R32, or a freaking Ferrari. Getting 49 miles to the gallon will never be as gratifying as getting 15, but being able to go really really fast.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: lethe on August 10, 2010, 12:24:34 PM
Quote from: duccarlos on August 10, 2010, 12:20:56 PM
I don't care if it's the TDI, the R32, or a freaking Ferrari. Getting 49 miles to the gallon will never be as gratifying as getting 15, but being able to go really really fast.
These little scoots are shockingly quick and it's supposedly the same suspension as the GTI (why I don't but I'm not about to complain) so the little oil burner handles well.
The Jetta is more Jud-like and frumpy but that suits him well.  ;D
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Bladecutter on August 10, 2010, 12:34:51 PM
I hate to ask, but have you taken the '04 to a shop, and had the alignment checked yet?
Its possible something's out a bit that an autobody shop can't really detect.

That, and you will have a second set of eyes looking at the car, who aren't truly invested in emptying your wallet.

Its possible that hitting the curb killed one or more of the struts internally, and they need replacing, which would explain it not driving right.

BC.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: herm on August 10, 2010, 12:53:09 PM
Quote from: Bladecutter on August 10, 2010, 12:34:51 PM
I hate to ask, but have you taken the '04 to a shop, and had the alignment checked yet?
Its possible something's out a bit that an autobody shop can't really detect.

That, and you will have a second set of eyes looking at the car, who aren't truly invested in emptying your wallet.

Its possible that hitting the curb killed one or more of the struts internally, and they need replacing, which would explain it not driving right.

BC.

no, no...that would kill the adrenalin rush of the new car hunt.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: lethe on August 10, 2010, 12:55:56 PM
Quote from: herm on August 10, 2010, 12:53:09 PM
no, no...that would kill the adrenalin rush of the new car hunt.
Either way this thread will go a dozen pages as we wait in suspense of his decision ala Syclone thread.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 10, 2010, 01:23:50 PM
Quote from: Bladecutter on August 10, 2010, 12:34:51 PM
I hate to ask, but have you taken the '04 to a shop, and had the alignment checked yet?
Its possible something's out a bit that an autobody shop can't really detect.

That, and you will have a second set of eyes looking at the car, who aren't truly invested in emptying your wallet.

Its possible that hitting the curb killed one or more of the struts internally, and they need replacing, which would explain it not driving right.

BC.

yes, it was re-aligned during the repair. i have all the paperwork on the printouts of the degrees, etc or whatever the hell the paperwork is. i have it downstairs in my file cabinet. since it was done through my insurance company and one specific shop, i am bound to use them.

however, when i got my last oil change, i had the alignment checked as i thought that might be the problem as i described the symptoms, etc. they found nothing wrong.

i am worried the freaking frame is bent when i hit the curb, as it did drag.


(Mother - this is all true too)

Quote from: duccarlos on August 10, 2010, 12:20:56 PM
I don't care if it's the TDI, the R32, or a freaking Ferrari. Getting 49 miles to the gallon will never be as gratifying as getting 15, but being able to go really really fast.

go test drive the new TDI.........you'd be very surprised.

Quote from: lethe on August 10, 2010, 12:55:56 PM
Either way this thread will go a dozen pages as we wait in suspense of his decision ala Syclone thread.

[laugh] [laugh] [laugh] [laugh] [laugh]



on the topic of the dgs transmission........yeah, that is true in the 04's. i had my cousin call a contact at a dealer outside of the area and he verified the problem. The last thing I want is a tranny failure yielding my car worth jack shit.

Off to pick up the 04 from rust repair and to the other dealer  [beer]
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Speedbag on August 10, 2010, 01:46:33 PM
Buy what you want. make the beast with two backs all the minute financial considerations, assuming you can afford it in the first place. Cars (and bikes) are horrible investments, unless you're buying classics.

Can't take it with ya. Precisely part of the reason I bought my '07 GT500 a few weeks ago.  [thumbsup]

Quote from: duccarlos on August 10, 2010, 12:20:56 PM
I don't care if it's the TDI, the R32, or a freaking Ferrari. Getting 49 miles to the gallon will never be as gratifying as getting 15, but being able to go really really fast.

;D

I blew by a Prius the other day on the highway in the Shelby, blower whining like a crazed blender. I had wood.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: 1KDS on August 10, 2010, 02:03:44 PM
With all the problems you've had with the veedub why don't you consider a different brand.  Rust on an 04 in Ohio? make the beast with two backs that
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Statler on August 10, 2010, 02:12:24 PM
Arguing against all the folks who said (correctly) it's a bad financial choice clearly means you just want the car and want other people to validate the decision because you have no balls.

Buy the new car, shut the make the beast with two backs up, and let the dmf live without yet another thread with your life details we care little about. 
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: lethe on August 10, 2010, 02:27:22 PM
Quote from: Speedbag on August 10, 2010, 01:46:33 PM

I blew by a Prius the other day on the highway in the Shelby, blower whining like a crazed blender. I had wood.
Now with this TDI I point and laugh at the Prius people since mine can actually handle and I'm probably getting better fuel economy on the highway than them. In the city who cares if they are doing better than me, this torquey little bastard squirts through traffic in such a fun way who gives a shit about fuel savings.
Now if I saw you, I nod my head solemnly in awe of your superior power and then point to the next exit so you and I could have fun on the twisties.  ;D


Quote from: Statler on August 10, 2010, 02:12:24 PM
Arguing against all the folks who said (correctly) it's a bad financial choice clearly means you just want the car and want other people to validate the decision because you have no balls.

Buy the new car, shut the make the beast with two backs up, and let the dmf live without yet another thread with your life details we care little about. 
Shhhh, his stupid pointless thread gives me a platform to talk about my TDI I just bought and am still all geeked up about.  [cheeky]
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: COWBOY on August 10, 2010, 03:12:28 PM
Statler, tell us how you really feel.

CB it's Stat er Reality, on line 1.

too funny.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: GAAN on August 10, 2010, 03:19:44 PM
Quote from: cyrus buelton on August 10, 2010, 01:23:50 PM

(Mother - this is all true too)


:-\
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: duccarlos on August 10, 2010, 03:48:49 PM
I'm not sure if it's just because I'm in a bad mood today, but I agree with Statler. If you know exactly what you're going to be doing, why create a new thread? Why post an opinion that will simply be ignored?

I'm in a really bad mood so take this as a grain of salt.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: badgalbetty on August 10, 2010, 06:10:20 PM
How about a Judddddddd cutting his toenails thread? Has  [laugh]there been one of those yet?
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 10, 2010, 07:01:42 PM
Quote from: Statler on August 10, 2010, 02:12:24 PM
Arguing against all the folks who said (correctly) it's a bad financial choice clearly means you just want the car and want other people to validate the decision because you have no balls.

Buy the new car, shut the make the beast with two backs up, and let the dmf live without yet another thread with your life details we care little about. 

how about you abide by the rules that you wrote for the forum and shut the make the beast with two backs up?

oh wait, that's because they apply to certain people and not others.

i am posting within the guidelines of the board, therefore, if you have no interest reading anything i post suggest a few options;

1. block me. therefore, you won't see anything i post
2. don't read my threads
3. keep on doing what you are doing and being annoying.


i asked for legitimate advice and you bash my thread. i appreciate it a lot.

my wife and i have been mulling over this decision for several weeks so i decided to turn to the board to see what others thought.

cars are shit investments. i am aware of it.

speedbag gave the best advice yet.

buy what the make the beast with two backs i want and what i can afford.


next post coming with who wins the thread and a bottle of liquor of their choice on tiff and i.............
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Popeye the Sailor on August 10, 2010, 07:14:17 PM
Quote from: cyrus buelton on August 10, 2010, 07:01:42 PM

speedbag gave the best advice yet.

buy what the make the beast with two backs i want and what i can afford.


Yeah but, you know, speedbag isn't you. I'd say house first prior to other major purchases, but that's just me.


Hell, I still have my dad's first car.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 10, 2010, 07:17:50 PM
Quote from: kopfjäger on August 09, 2010, 08:33:27 PM
If your gonna get one, get the "TDI Cup Edition".  [evil]


(http://i201.photobucket.com/albums/aa91/chiflado/volkswagen-jetta-tdi-street-edition.jpg)


you have just won my friend. I know you know that i am big into auto racing, even though i seldom post about it due to my affiliations with it. i just feel that i shouldn't post a lot of what i know. I love the concept of diesels and it getting into auto racing, therefore, my attraction to this model was big. It is a bad ass car and a blast to drive. My wife wanted a manual and it seems around here all diesels are auto's and not what we wanted. Therefore, this was the car.


here is our new baby:

(http://i636.photobucket.com/albums/uu82/jshoward11/IMG00054-20100810-1951.jpg)

This is the jetta we were after, but wasn't sure how obtainable it was due to the limited edition of it and it only comes in select colors, therefore, we only wanted the blue one.

first dealer did not have it, so i just wanted to drive a new 2010 tdi with the new motor. They only had automatics, so that is what I had to drive. The biggest downside to this vehicle is it has HUGE engine braking on deceleration which I was not a fan of and my wife didn't like driving one tonight. It is a very odd feeling in the vehicle.

Also, the first dealer did not have one, said they couldn't get one, and gave us a shit deal on both the trade and the pricing.  unfortunately for him, he has only been in sales a week and doesn't know how it works. he is a friend of mine, but i fired some very simple questions at him and he couldn't answer them. So to be an honest individual which i am, i have to call him tomorrow and say thank you for your help but i got a better deal elsewhere which your sales manager couldn't come close to matching. sorry it went down this way, but that is how the car business works when it comes to my finances. the odd thing is he called me tonight and said he already had the car sent to the garage for final inspection and the spa for detailing............i never signed any document with him........so why would he assume i am buying from him? i left all conversations with him very limited in my commitment as purely exploratory as under my hat, i knew i had a better deal elsewhere and for some crazy stroke of luck...........they got a car in today which is what we wanted and the sales manager cut a sweet deal. when he went out to appraise it, i had to inform him i had a loaded gun in the glove box and he got all excited. he wanted to check it out. so of course i obliged, dropped the mag, unchambered the round, racked it three times (my policy on emptying guns for others to be comfortable). he loved it. it was my kahr cw9. we had a lot in common and i think that is what lead to the pricing he gave me.

got a call late in the day from dealer #2 saying they just got one in today and it would sell fast.

well......it now has 16 miles on it and it is ours.

Price negotiating is done, just need to finalize a few additional features i want: seat treatment (it has race bucket cloth and I want the protectant spray on it) and we want the windows tinted.

go in tomorrow to finalize the transaction  [thumbsup]

Quote from: MrIncredible on August 10, 2010, 07:14:17 PM
Yeah but, you know, speedbag isn't you. I'd say house first prior to other major purchases, but that's just me.


Hell, I still have my dad's first car.

as i have posted, a house is 2-3 years in the future. this car will be well paid off by then.

as you said you have your dad's first car.......you just bought your Mom a benz and your wife drives (maybe drove, don't know now) a BMW.

This is our new car and we love it.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Kopfjager on August 10, 2010, 07:21:58 PM
 [evil]

I would remove the decal from the side.  [thumbsup]
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 10, 2010, 07:22:30 PM
Quote from: duccarlos on August 10, 2010, 03:48:49 PM
I'm not sure if it's just because I'm in a bad mood today, but I agree with Statler. If you know exactly what you're going to be doing, why create a new thread? Why post an opinion that will simply be ignored?

basically was looking for opinions of the new TDI's more than anything.

all advice was taken into consideration with a lot of other advice from non-board members.

Apparently my financial decision was not one that most considered to be a good one, but it is tiff's and mine financial decision, along with my money manager on it.

sorry i didn't take the advice of the thread........didn't know what others would think or do in my situation, so was looking for outside opinions from people of all walks of life as none of us are the same.


Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 10, 2010, 07:26:18 PM
Quote from: kopfjäger on August 10, 2010, 07:21:58 PM
[evil]

I would remove the decal from the side.  [thumbsup]

we actually like it, makes the car flow a bit better. It's modeled after an actual race car......why change it?

The sales manager who hooked us up said one customer (this was only their 3rd one they have gotten) had them remove the sticker and it actually devalues the vehicle as it is limited run vehicle thus keeping it cosmetically "stock" is the better move.

If you have never driven one.........don't. You'll want it.

my god, it handles like it is on rails, has amazing suspension and brakes, and the manual transmission kicks ass. it has such a short shift throw, no modification needed there.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Kopfjager on August 10, 2010, 07:32:52 PM
Quote from: cyrus buelton on August 10, 2010, 07:26:18 PM
we actually like it, makes the car flow a bit better. It's modeled after an actual race car......why change it?

Actually it is named after a series. (hence the name TDI Cup "Street Edition")  ;) As far as the stripe, I just like sleepers[evil]


http://www.scca.com/contentpage.aspx?content=105 (http://www.scca.com/contentpage.aspx?content=105)



TDI CUP Edition (http://www.youtube.com/watch?v=P8RNN2K8xhA#normal)


Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: cyrus buelton on August 10, 2010, 08:32:47 PM
Quote from: kopfjäger on August 10, 2010, 07:32:52 PM
Actually it is named after a series. (hence the name TDI Cup "Street Edition")  ;) As far as the stripe, I just like sleepers[evil]

well yeah, i know that.

it's not like when you buy an indianpolis 500 replica pace car it is anything like the one used during the race.

lots of other modifications are done to it.


understandable on the sleeper........i just think it gives it something extra. to each their own.

return my pm so i can get a bottle of your favorite drink mailed off to you
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: lethe on August 10, 2010, 10:55:32 PM
Nice.  [thumbsup]
The dealership I got my Golf at had one out front that was black which made the stripe more subtle. It was badass but I really like the blue too.
Drivetrain is the exact same as my car (too bad we don't get the 170 hp engines here like the GTD in europe).
The tranmission is nice isn't it?
Enjoy it, you have done well despite what might say.  [thumbsup]

Now do your toenail thread.
Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: Rameses on August 11, 2010, 12:08:40 AM
Quote from: Statler on August 10, 2010, 02:12:24 PM
Arguing against all the folks who said (correctly) it's a bad financial choice clearly means you just want the car and want other people to validate the decision because you have no balls.

Buy the new car, shut the make the beast with two backs up, and let the dmf live without yet another thread with your life details we care little about. 


[clap] [clap] [clap]

[laugh] [laugh] [laugh]


Title: Re: Need Financial Advice/Opinion on a trading in my 04 TDI for a 2010 TDI
Post by: ducpainter on August 11, 2010, 01:33:00 AM
Quote from: cyrus buelton on August 10, 2010, 07:22:30 PM
basically was looking for opinions of the new TDI's more than anything.

all advice was taken into consideration with a lot of other advice from non-board members.

Apparently my financial decision was not one that most considered to be a good one, but it is tiff's and mine financial decision, along with my money manager on it.

sorry i didn't take the advice of the thread........didn't know what others would think or do in my situation, so was looking for outside opinions from people of all walks of life as none of us are the same.



So...

If you're going to do what you want anyway...

why bother wasting our time asking advice?

This is done. [roll]