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Discussion Starter #1
I am 17 and going into my senior year [ finally! ]
I am in love with the cube and I've been wanting it since last winter.
Would Cube Heads think i would be able to afford it?
I have a Part-Time Job making $8 per hour
And a trade in Volvo S70
I am hoping to have it sometime by next spring
the latest
I am looking at the pearl white 1.8SL with the lights and sound add ons
I also had a few questions
If you get black cloth seats what color is the dash?
does the dash only come in solid black in the Krom?
Think there will be any used cubes out there next spring?
 

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With the economy the way that it is right now... if I wasn't 100% sure that I could totally afford the Cube... I wouldn't buy one. Good luck with your decision though.

As for the color of the dash with the black seats... I have black seats and my dash is a charcoal gray color.
 

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Krom comes as is, there are no other options for interior color or dash color.

I suspect it will take more than just 1 year to really see any used cubes, other than ones that farted out too much.

Finally: Cost (THESE ARE RHETORICAL QUESTIONS!! DO NOT POST YOUR ANSWERS!!)
The first question I would ask is if your parents are willing to co-sign/help on the car payments.
Second question: How much do you make in a month?

If you don't think you can make a monthly payment of at least $250/month I would suggest you consider either waiting another year or two, or getting a cheaper model. I'm pretty sure you can get the sound and light upgrades on the base model.

MSRP for each models with the interior illumination package:
SL: $18,000
S: $16,900

No you can't get the sound system upgrade on the S. But most people that I've spoken to can't tell the difference anyways.
 

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Coming from a former salesman, I assuming zero credit history:

100% down, zero interest and zero months to pay will get you into that car. :no:
 

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moto's got a point there too. Even if you can't get the car now, I would suggest looking into a credit card to start building a credit history. Can't even remember if you can get one yet...
 

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im 17 and i got a base 1.8 on 8/hr i say go for it dude
 

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Discussion Starter #9
Hey its Ronii
Finally Found a Job hoping all goes well at interview wed.
this coming summer i will have trade in
of a 1998 Volvo s70 and a
1999 35th anniversary addition convertible mustang
[ 17th birthday present & graduation present ]
and some savings bonds from my grandparents
for all the down payment and everything.
i am excited cant wait for this final school year to be over
 

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I say go for it bro! Sounds like you have life handed to you. I'm jealous 8)

My advice is to get the base model & add accessories over time. This way your payment will be low, and you're not locked into today's selection. Cooler stuff will come out in a few years... by then you'll have cash to afford it.
 

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Sorry to be a downer adult here, but I think it is pretty unwise to buy a new car at 17. Typically cars are purchases not investments- they drop dramatically in value the minute you drive them off the lot. You should be positioning yourself for the future.

You should firstly be keeping the money for college. Even if you are getting scholarships or your parents are planning on helping you out, things can happen (parents get laid off, grades drop) and you shouldn't sacrifice your future.

If you are not going to college, you should invest it. You may want a house some day and will probably want to retire eventually. If you were to take the $20,000 for a new car and invest it with a long term annualized return of 10%, it will double every 7 years (even though the market goes up and down, you can get expect 10% average investment return on an investment in stocks). Use a diversified or large cap mutual fund (I like Vanguard Prime Cap) keep it there and it will be safer and easier than trying to pick own stock picks or figure when to invest/divest. Put it in a Roth IRA, and you don't have to pay capital gains tax when you pull it out. In other words, in 49 years (retirement age) that $20K at 10% annualized return will double 7 times and will be worth $2.56 million (basically what you will need to retire). In 49 years that new car will probably have been scrapped years ago. Every 7 years you wait means you have to invest twice as much- which makes your future that much more difficult.

I personally would not spend more than 1/4 of what you have invested for retirement on a car, but that's just me. I realize that delayed gratification is hard at your age, but you should try.

Investment is how the rich get richer and end up owning everything. Spending on conspicuous consumption is how the poor get poorer and end up owning nothing.
 

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lne937s said:
Sorry to be a downer adult here, but I think it is pretty unwise to buy a new car at 17. Typically cars are purchases not investments- they drop dramatically in value the minute you drive them off the lot. You should be positioning yourself for the future.

You should firstly be keeping the money for college. Even if you are getting scholarships or your parents are planning on helping you out, things can happen (parents get laid off, grades drop) and you shouldn't sacrifice your future.

If you are not going to college, you should invest it. You may want a house some day and will probably want to retire eventually. If you were to take the $20,000 for a new car and invest it with a long term annualized return of 10%, it will double every 7 years (even though the market goes up and down, you can get expect 10% average investment return on an investment in stocks). Use a diversified or large cap mutual fund (I like Vanguard Prime Cap) keep it there and it will be safer and easier than trying to pick own stock picks or figure when to invest/divest. Put it in a Roth IRA, and you don't have to pay capital gains tax when you pull it out. In other words, in 49 years (retirement age) that $20K at 10% annualized return will double 7 times and will be worth $2.56 million (basically what you will need to retire). In 49 years that new car will probably have been scrapped years ago. Every 7 years you wait means you have to invest twice as much- which makes your future that much more difficult.

I personally would not spend more than 1/4 of what you have invested for retirement on a car, but that's just me. I realize that delayed gratification is hard at your age, but you should try.

Investment is how the rich get richer and end up owning everything. Spending on conspicuous consumption is how the poor get poorer and end up owning nothing.
jeez dude. i'm 25 and don't like the tone of your 'message' to this guy. stop telling him what he should do and let him make his own decision. everytime i read "you should, you should, you should" i heard "I would, I would, I would"

he made up his mind a long time ago. he wanted to know if he could afford it. now we all know he can. he's got parents, let them teach him his life lessons. hell, let life itself teach him his lessons. at least that way he would have lived it.

and that "rich get richer, poor get poorer" line is what really irks me. you think you're helping the world giving messages like that to kids? you're insinuating that money and power leads to everything in life. well i'll tell you what, i've thanked my mother and father many times over for not getting rich and moving to some snooty mansion in the hills only for our family to wind up like those poor bastards on reality TV, fake-crying their eyes out to daddy because they got a used 2008 mercedes S class for their 16th birthday. no thank you, sir. i'll take my humble, air force brat, 8 schools on 3 continents from K-12 roots any day of the week.
 

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palaina.kawika said:
jeez dude. i'm 25 and don't like the tone of your 'message' to this guy. stop telling him what he should do and let him make his own decision. everytime i read "you should, you should, you should" i heard "I would, I would, I would"

he made up his mind a long time ago. he wanted to know if he could afford it. now we all know he can. he's got parents, let them teach him his life lessons. hell, let life itself teach him his lessons. at least that way he would have lived it.

and that "rich get richer, poor get poorer" line is what really irks me. you think you're helping the world giving messages like that to kids? you're insinuating that money and power leads to everything in life. well i'll tell you what, i've thanked my mother and father many times over for not getting rich and moving to some snooty mansion in the hills only for our family to wind up like those poor bastards on reality TV, fake-crying their eyes out to daddy because they got a used 2008 mercedes S class for their 16th birthday. no thank you, sir. i'll take my humble, air force brat, 8 schools on 3 continents from K-12 roots any day of the week.
FYI - you just gave him hell for agreeing with you. He was saying that kids like you are better off than spoiled rich kids. So yeah, he was in agreement with you.

What I find funny is that you bash spoiled rich kids, then applaud this kid for being exactly what you don't like - spoiled! I did not have any money given to me by grannie, and I definitely did not have a powerful convertible (and a second car)!!! I had a $100 car that I had the learn how to rebuild. Many days I pushed it home from school. And you think having a new Cube handed to him is down to Earth? WTF?

Don't let your personal issues with people cloud your eyes. Take a deep breath, walk away & read this again later. lne937s was giving solid, experienced advice 8)
 

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maybe you're right. i've calmed down quite a bit since first reading this hahaha. its no excuse, but when i read what lne937s posted i was running on about 45 minutes worth of sleep for 2 days.

so i apologize lne937s. hope you don't take it personally. :(

i'm gonna have to disagree with none though about how spoiled this kid is hahaha

in my head, if he was spoiled, he'd have the cube already. i guess cuz he kinda reminds me of me when i was 16. just started lifeguarding, making 8 dollars an hour, cashed in some savings bonds for my first car (even though it was a 5mt turbo skyline, cars in japan are cheap :p) and dreamed of bigger and better.

the main thing is, he's working hard for his cube, and even though he has the down payment covered, its not exactly handed to him. but again, everyone has different opinions of what it is to be spoiled.
 

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the only reason i got my cube is cuz my gma gave me a check for the car, however i am paying her back with monthly payments of $240, 2.25% is way better then 12.99%
 

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All sounds well!

You're in a better spot than I was at 17, and in addition you will learn how to budget for expenses well. You'll even be able to apply for careers or colleges which require dependable transportation. Although I learned a good deal about life having a POS car, I lost out on the good jobs. Go for it! But IMHO don't get a fully loaded Cube. Why pay $300 for LED's which are only $20 on eBay.

Palina, glad we're cool... and hopefully I am mastering "tact" in my responses to people. The internet can twist words too easily.
 

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Gee, when I was 17, I had a $500 car! The Cube is the first car I've ever purchased new, and I'm 50 years old!

I guess I should have been born to richer parents; I'll have to work on that in my next life... ;^)
 

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haha yea i wish i was given my first two cars, i payed for my first truck in cash (1500) all self earned, then bought the cube like previously stated.

master- haha very nice, i hope that works out for you in your next life
 
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