Ordered a new truck .

[WNYBuckHunter]

On 12/30/2021 at 9:34 PM, luberhill said:

So if there is already some rust on the frame , do you have to wire brush it off ?

Would you be better spraying rust restore on it ?

I’m not sure. 

[luberhill]

2 minutes ago, WNYBuckHunter said:

I’m not sure. 

Reading Woolwax and Fluidfilm says spray over existing rust

Im going to try the Fluidfilm black 

[Nytracker]

I would wire brush  any loose or flaking rust . My buddy pressure  washes the underside of his truck ,lets dry  before applying  woolwax 

Edited January 1, 2022 by Nytracker

[Five Seasons]

I do have a Yamaha ...LOL .No complaints with that either .
I have had my days of wasting time in shops ,don’t miss it .You are spot on about bells and whistles .

I have 4 Yamahas. Never let me down.


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[f3cbboy]

"its like $200 a year iirc for the scratch and dent protection. I will never buy another truck. Leasing is the way to go. Beat em up and upgrade every 3 years if you're like me and don't put a ton of miles

i wasn't even aware of the option...1st time i've ever leased anything...good information

i have to look into selling the leasing rights on carvana ect.

issue is 1.5 mos away from possibly turning in the truck with 2-3 month lead time on a new ford.  may be a cold couple weeks on the bike if i have to.

[Five Seasons]

"its like $200 a year iirc for the scratch and dent protection. I will never buy another truck. Leasing is the way to go. Beat em up and upgrade every 3 years if you're like me and don't put a ton of miles
i wasn't even aware of the option...1st time i've ever leased anything...good information
i have to look into selling the leasing rights on carvana ect.
issue is 1.5 mos away from possibly turning in the truck with 2-3 month lead time on a new ford.  may be a cold couple weeks on the bike if i have to.

I’m surprised the dealer didn’t say anything to you, I always figured it was one of those things they’re trying to tack on and you’re like Jesus leave me alone and then think about the wear a truck gets and it’s worth it.


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[Trial153]

I always run the numbers for a high mileage lease and never can pull the trigger. I am good for 20-25k every year

[Buckmaster7600]

"its like $200 a year iirc for the scratch and dent protection. I will never buy another truck. Leasing is the way to go. Beat em up and upgrade every 3 years if you're like me and don't put a ton of miles
i wasn't even aware of the option...1st time i've ever leased anything...good information
i have to look into selling the leasing rights on carvana ect.
issue is 1.5 mos away from possibly turning in the truck with 2-3 month lead time on a new ford.  may be a cold couple weeks on the bike if i have to.

Leasing is a waste, buy them right sell them high.


3374$ is what it costed me to own my last F150 for 34 months and 41,000 miles. If you can lease for cheaper than I’m all ears!


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[luberhill]

22 minutes ago, Buckmaster7600 said:

Leasing is a waste, buy them right sell them high.


3374$ is what it costed me to own my last F150 for 34 months and 41,000 miles. If you can lease for cheaper than I’m all ears!


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Pls explain

[Buckmaster7600]

Pls explain

Not much to explain, shop around for the lowest possible price. Shop around for the highest price for the trade/sale they don’t have to be to the same dealer. I generally buy leftovers, keep them for 2 or so years the start shopping for a new one.

The only thing I do different than most is I pay cash.

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[moog5050]

5 minutes ago, Buckmaster7600 said:

Not much to explain, shop around for the lowest possible price. Shop around for the highest price for the trade/sale they don’t have to be to the same dealer. I generally buy leftovers, keep them for 2 or so years the start shopping for a new one.

The only thing I do different than most is I pay cash.

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Why cash?   With today’s rates assuming good credit, that cash money you are paying would you pay far more in the market.  1.9% vs what the market earned the last 2 years.  Your $3-4k would have been returned plus.   Although I certainly understand some not wanting debt.  But I will take on debt at today’s rates to have use of the money.   Just a thought.  Let the money work for you. 

[luberhill]

1 minute ago, moog5050 said:

Why cash?   With today’s rates assuming good credit, that cash money you are paying would you pay far more in the market.  1.9% vs what the market earned the last 2 years.  Your $3-4k would have been returned plus.   Although I certainly understand some not wanting debt.  But I will take on debt at today’s rates to have use of the money.   Just a thought.  Let the money work for you. 

I pay cash too , mainly because I hate payments , 

[Buckmaster7600]

Why cash?   With today’s rates assuming good credit, that cash money you are paying would you pay far more in the market.  1.9% vs what the market earned the last 2 years.  Your $3-4k would have been returned plus.   Although I certainly understand some not wanting debt.  But I will take on debt at today’s rates to have use of the money.   Just a thought.  Let the money work for you. 

Debt made me past broke once in my life, it’s something I’ll never do again.


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[moog5050]

4 minutes ago, Buckmaster7600 said:

Debt made me past broke once in my life, it’s something I’ll never do again.


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Fair enough.   This is a debate I conceded on long ago regarding paying off the house early.  At 3% it makes no sense but I liked the idea to get rid of the debt.  My brother convinced me otherwise.  He is right but it does take discipline.  Grow the investment account.  You can always pay off the car or house.  

[chrisw]

Leasing is a waste, buy them right sell them high.


3374$ is what it costed me to own my last F150 for 34 months and 41,000 miles. If you can lease for cheaper than I’m all ears!


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I agree. I paid roughly $55 a month to own my (then brand new) Tundra for 6 years. Bought it for $36k, traded it for $32k. I spent $4,000 to drive it for 6 years. But right, sell right and keep rolling positive equity.

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[mlammerhirt]

Not much to explain, shop around for the lowest possible price. Shop around for the highest price for the trade/sale they don’t have to be to the same dealer. I generally buy leftovers, keep them for 2 or so years the start shopping for a new one.

The only thing I do different than most is I pay cash.

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What type of discount do you typically see for a cash deal? Most dealers want to see you finance....I personally just haven't seen a huge discount in the WNY area to be giving up that huge chuck vs. Keeping ypur cash and Investing it with good return value.

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[luberhill]

8 minutes ago, mlammerhirt said:

What type of discount do you typically see for a cash deal? Most dealers want to see you finance....I personally just haven't seen a huge discount in the WNY area to be giving up that huge chuck vs. Keeping ypur cash and Investing it with good return value.

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Never see a discount for cash , I get them to invoice or less and pay cash .

I don’t want any payments on anything 

[Buckmaster7600]

What type of discount do you typically see for a cash deal? Most dealers want to see you finance....I personally just haven't seen a huge discount in the WNY area to be giving up that huge chuck vs. Keeping ypur cash and Investing it with good return value.

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Depends on the day and the dealer.

Car dealers are something I can’t understand. My cousin is an assistant manager at a local Ford dealer and I have yet to buy a truck from him because he can’t match deals I can find elsewhere. How that makes sense I don’t understand. My last 3 trucks have been fords and I’ve went to him with the deals before paying elsewhere and every time he says buy it I can’t match it. The one I bought this time the day after I bought it he offered me 2,000 more than I payed for him to buy it outright to resell?


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[WNYTRPR]

With interest from 0-3%,im not forking over cash .

[mlammerhirt]

Cash is king....there are certain things to fork it over for and personally vehicles, houses, or even God awful Student loans are not in the top 3 with the how low rates have historically been.

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[luberhill]

Just now, mlammerhirt said:

Cash is king....there are certain things to fork it over for and personally vehicles, houses, or even God awful Student loans are not in the top 3 with the how low rates have historically been.

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Yea I don’t care , I’ve saved my whole life , in my 60s now. 
Haven’t had payments for years and will never again have them.

I like it that way. 

[f3cbboy]

with reference to cash vs financing

the credit union i belong to give a 3yr old car loan the same as new new car loan.    i think right now it is .9% and if i get auto deduction from my pay they take off another .5%  this is really tough to argue for me.

i too hate payments...

[Nytracker]

Heck of a rate . My credit union is 2.25 at the moment no points off for direct deposit payments. 

[moog5050]

4 hours ago, f3cbboy said:

with reference to cash vs financing

the credit union i belong to give a 3yr old car loan the same as new new car loan.    i think right now it is .9% and if i get auto deduction from my pay they take off another .5%  this is really tough to argue for me.

i too hate payments...

a loan at .4% is crazy low.   Not sure how it even makes sense to them

[Jeremy K]

18 hours ago, mlammerhirt said:

Cash is king....there are certain things to fork it over for and personally vehicles, houses, or even God awful Student loans are not in the top 3 with the how low rates have historically been.

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Pretty much what our financial guy told us , why pay off a low interest loan when we can make 10 or more percent investing it.

Edited January 3, 2022 by Jeremy K