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JETS LACK OF REDZONE OFFENSE STILL CURSING THE DEFENSE
RetireChrebet Icon : (Yesterday, 10:40 PM) Catch the f***ing ball nelson
ganggreen2003 Icon : (Yesterday, 10:40 PM) it all comes down to this
Jetsfan115 Icon : (Yesterday, 10:40 PM) David ha ha Nelson is a bum
Jetsfan0099 Icon : (Yesterday, 10:40 PM) why didn't they talk about Kyle Fuler when torched for 51 yards by Salas?
Jetsfan115 Icon : (Yesterday, 10:41 PM) Bullshit
ganggreen2003 Icon : (Yesterday, 10:41 PM) f***
RetireChrebet Icon : (Yesterday, 10:41 PM) How the f*** is that not interference
Jetsfan115 Icon : (Yesterday, 10:41 PM) That's flag 101 never looking back and pushing the WR
azjetfan Icon : (Yesterday, 10:41 PM) How is that not PI?
RetireChrebet Icon : (Yesterday, 10:41 PM) Never looked for the ball for a second
Jetsfan115 Icon : (Yesterday, 10:42 PM) Fuck this game fuck the refs fuck this team fuck the season. I'm over this shit
RetireChrebet Icon : (Yesterday, 10:42 PM) That's bullshit
RetireChrebet Icon : (Yesterday, 10:43 PM) On the bright side we get to play Detroit, San Diego, NE and denver in our next 4 games
Mr_Jet Icon : (Yesterday, 10:44 PM) Oh look the refs gave the Jets another timeout. A timeout the Jets didn't even have. SMDH
RetireChrebet Icon : (Yesterday, 10:45 PM) Until we get rid of geno smith we are going nowhere. Bottom line. Dude is more erratic than romo
Mr_Jet Icon : (Yesterday, 10:45 PM) I'm really not feeling Geno Smith.
RetireChrebet Icon : (Yesterday, 10:45 PM) Or any other QB in the league. Trade for Sanchez Now!
RetireChrebet Icon : (Yesterday, 10:45 PM) We'd be 3-0 with Sanchez
SokeSleezy Icon : (Yesterday, 10:46 PM) Geno's needs to work on his accuracy,Stafford gonna kill us next week smh
XvNukemHighvX Icon : (Yesterday, 10:46 PM) Yeah gonna go with a good old f*** Geno this week. He is still playing better than last year though
RetireChrebet Icon : (Yesterday, 10:46 PM) People saying Sanchez sucks keep in mind he never had a chance to play in morningwegs system. He was held back by shottenheimer
Mr_Jet Icon : (Yesterday, 10:47 PM) This team will never have a franchise QB. We can't draft them and when we sign or trade for them, they're past their primes.
santana Icon : (Yesterday, 10:48 PM) well
XvNukemHighvX Icon : (Yesterday, 10:48 PM) Because we destoy any promise in our young QBs with our elite offensive support talent.
santana Icon : (Yesterday, 10:48 PM) TIME TO CHANGE THE DIAPER
santana Icon : (Yesterday, 10:48 PM) another game next week
Chaos Icon : (Yesterday, 10:48 PM) 3-0 with Sanchez? Oh god...we've gone there already?
Chaos Icon : (Yesterday, 10:49 PM) jets need more talent on O
Chaos Icon : (Yesterday, 10:49 PM) and some god damn DBs
Mr_Jet Icon : (Yesterday, 10:49 PM) Morninweg's system is get the offense going then throw a monkey wrench into things by putting the backup QB in there and f***ing up the offense's rhythm.
RetireChrebet Icon : (Yesterday, 10:50 PM) Yes I went there. Geno spots these teams 7-10 points weekly and has turned the ball in the redzone 3 games in a row. If not for 2 dropped ints geno would have 4 picks. Dude sucks at best
RetireChrebet Icon : (Yesterday, 10:51 PM) Then we got Chris ivory running like marshawn lynch out there and they sit him on the bench the whole fourth quarter
XvNukemHighvX Icon : (Yesterday, 10:52 PM) I'd like to use the same excuse I used for Sanchez. QB can't really do shit when your best WR would be a #3 if he was lucky on any other team
Chaos Icon : (Yesterday, 10:52 PM) yeah but sanchez was shell shcoked
Chaos Icon : (Yesterday, 10:52 PM) jets werent fixing him
XvNukemHighvX Icon : (Yesterday, 10:53 PM) Geno will be to after another year or two of this shit.
santana Icon : (Yesterday, 10:53 PM) What's kerleys contract like
santana Icon : (Yesterday, 10:53 PM) because if he's underpaid I don't see him sticking around
XvNukemHighvX Icon : (Yesterday, 10:54 PM) he only looks good because our O is so bad.
santana Icon : (Yesterday, 10:54 PM) I bet a lot of teams have their eye on him
ganggreen2003 Icon : (Yesterday, 10:56 PM) Decker doesn't need to play until he is completely healthy
HarlemHxC814 Icon : (Yesterday, 10:58 PM) FIRE IDZIK
RetireChrebet Icon : (Yesterday, 11:08 PM) How big was the Sheldon Richardson fumble recovery not being a TD. We quickly went three and out after that
ganggreen2003 Icon : (Yesterday, 11:43 PM) Idzik better not be stingy this offseason and address the biggest issues we have WR and Secondary
RetireChrebet Icon : (Yesterday, 11:47 PM) King mo says he's ok, injury is minor
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Leasing A Car.

#1 User is offline   SecondHandJets Icon

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Posted 27 July 2012 - 11:54 PM

Never leased a car before. What do I need to be aware of? I know that I should shoot for $0 down. What fees are normal and what fees are bullshit that the dealer tries to make on you?
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#2 User is offline   azjetfan Icon

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Posted 28 July 2012 - 03:36 PM

I always lease my wifes cars since she is spoiled and wants a new one every three years. I guess the biggest there are a few items you need to think through in my opinion.

1) Why lease? Are you just after a lower payment or is there another reason? Leasing is a good way to go for some people but most would be better buying.

2) How many miles have you driven in the past three years? What will change in your life. If you go over mileage how will you pay the penalty?

3) As far as the deal goes they are typicly around 52-54% of the retail price of the car. I normally go to the website and take there lease deal and do the math. This is normally a good starting point to know the percentage. Keep in mind you normally can do a little better. I am not sure of your credit worthyness but if you get the 0% it makes the deal simple with a calculator at the dealership.

4) Are you OK driving a stock car? Any modifications you do will need to be reverted back to stock when you turn the car in. If they are items like tinting etc... ypu will not get any money in return when you turn the car back in.

I would be happy to give my two cents when you have the car picked out. Give me the info and your zip.
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#3 User is offline   SecondHandJets Icon

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Posted 28 July 2012 - 06:35 PM

Thanks bro.

1. I have had my current car for a while and it's just about to start becoming a money pit. Also, because of my work, I need to have a "newer" car. I'm opting to lease over buying because I don't want to deal with the hassle of maintenance. I got lucky with my current used car (because I bought if off a family friend who was in bad health and basically couldn't drive it anymore) and after 30,000 miles, I'm just now dealing with my first "big" expense (AC went to shit and simultaneously the egr valve broke so Honda is trying to charge me $1900 for the work but I can get it done for $1100). The blue book value of my current car is ~$8200 so I'm hoping to get ~$6500 for it. My plan is to park that money in a separate bank account, set up auto payment and have the lease be paid out of that (insurance too).

2. I've had my car for a little over 3 years and I put 30000 on it. I'm in NYC, so everything is relatively close together. At 12K miles/year, I should be very good with even an occasional road trip.

3. I'm working out all the details as far as the credit shit goes (I'm planning on using my credit to get a mortgage sometime in the near future to take advantage of these low rates so I don't want a car in my name to mess with my liabilities). I might put it under my mom, my gf or her mom. Either way, everyone is above 650 so it's not an issue (the issue is going to be the insurance since mom doesn't drive).

4. I drive stock now. The only thing I'd really want to put on would be tint. I figure that I can maybe use that as a negotiating tactic. Show to a dealrship with very similar quotes and basically say "throw some tints on this bitch and I sign, if not, I'm going elsewhere".

I'm pretty much leaning towards the Honda Pilot EXL. I'm in 11235.
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Posted 28 July 2012 - 07:55 PM

From the Honda site

Quote

2012 Pilot 5 Speed Automatic 2WD LX Featured Special Lease - Zero Due at Lease Signing

Offer valid from 7/10/2012 through 9/4/2012

$0 first months payment, $350.00 per month for 35 months

$0 down payment, $0 security deposit. For well-qualified lessees.

FEATURED SPECIAL LEASE: Closed end lease for 2012 Pilot 5 Speed Automatic 2WD LX (YF3H2CEW) available from July 10, 2012 through September 4, 2012, to well-qualified lessees approved by Honda Financial Services. Not all lessees will qualify. Higher lease rates apply for lessees with lower credit ratings. MSRP $29,450.00 (includes destination, excludes tax, license, title fees, registration, documentation fees, options, insurance and the like). Actual net capitalized cost $28,332.67. Net capitalized cost includes $595 acquisition fee. Dealer contribution may vary and could affect actual lease payment. Total monthly payments $12,250.00. Option to purchase at lease end $16,197.50. Must take new retail delivery on vehicle from dealer stock by September 4, 2012. Lessee responsible for maintenance, excessive wear/tear and 15/mile over 12,000 miles/year for vehicles with MSRP less than $30,000, and 20/mile over 12,000 miles/year for vehicles with MSRP of $30,000 or more. See your Honda dealer for complete details.


So what the fine print is saying is $12500 is the lease purchase for a $29450 Pilot. which is about 42.5%. With Hondas high resale they can offer a lower rate. So having that number you know what the midpoint of the deal should be. They will come at you with a higher number but you should stand your ground. @ 42.5% you may not have much leverage. With that being said That is the number I would be happy with. So lets say your purchase price is $32500, your payment would be $388.57 for a 35 month lease. That is not including any taxes (my favorite topic) tags title etc.... Pay that in cash from your sale to keep your GMP down.

A few more bits

1) Driving a Pilot in NYC will suck. I have not lived there since 1981 or driven there since 2004 but I can't imagine it is any better. Are you sure that is the best vehicle? With that being said I owned a Pilot and loved it. One of the best cars I have ever owned.

2) The fine print says "For well-qualified lessees". That usually means a 750 or above FICO. If you are using a 650 score they will want to charge you interest. Having an interest rate makes it tricky. Dealers normally have a mark up with rate. Tread carefully here. I would assume they will use this against you. I would say you should use the money you have as a down payment to reduce any interest owed. Also this may give you leverage to ask for no interest as well as reduce your monthly payment to $157.14. That payment should also help your quest to purchase a house. This is a win win for you. Cash is always king. You will not be earning any interest with a bank or credit union in the next three years.

3) 45% is the debt ratio you will need to qualify for any kind of Fannie or Freddie loan (Mortgage). You should see where you are now. If you will be under 45% with the car payment go ahead and purchase it in your name unless you are buying a home within the next 6 months. If you are, wait until after the home purchase. Normally once you are past 6 months Underwriting does not consider it new credit and the credit pull and new debt will no longer be affecting your score. (This is an area I am well versed in, E-mail me with your info and I can work up your Debt ratio)

4) When you take the test drive the dealer will be asking you all kinds of questions. He is trying to qualify you. do not talk about credit scores. If he or she presses just say "I can buy" or "financing will not be a problem". I always slip in that I am working with other dealerships. Example would be....

Dealer Is this the only car you are lookin at?

You I have looked at a few different Pilots and some other SUVs. I really had a good experience at XYZ (Honda) Dealership yesterday.

Last but not least I would say work through a few different dealerships. Do this from home. Go to the dealerships drive the cars you want and then go home and work the deal from there. DO NOT DO THIS AT THE DEALERSHIP. They do this everyday for a living and you buy a car every 3? years. They have a huge advantage. Be smart think it through and do not let your emotions overide your budget. Good luck.
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Posted 28 July 2012 - 11:06 PM

"Having an interest rate makes it tricky. Dealers normally have a mark up with rate. Tread carefully here. I would assume they will use this against you. I would say you should use the money you have as a down payment to reduce any interest owed. Also this may give you leverage to ask for no interest as well as reduce your monthly payment to $157.14. "

Explain this please. How did you go from $388.57 to $157.14?
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#6 User is offline   azjetfan Icon

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Posted 29 July 2012 - 12:08 AM

The money from your car now used as a down payment. You said the car is worth $8200. So if we take the principal of $32500 X 42.5%, less the $8200 divided by the term of 35. The interest does not apply to that theory since we do not know the rate.
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#7 User is offline   azjetfan Icon

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Posted 29 July 2012 - 12:13 AM

I am using the $8200 to reduce the principal amount thus lowering your payment. Instead of having it in your bank and doing an auto payment you will just pay it as a down payment. Since most people in the know agree deposit rates will not go up anytime soon why would you want to stick it in a bank? Keep your monthly cash flow right so you can live your life and not work to support a car payment.
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#8 User is offline   SecondHandJets Icon

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Posted 29 July 2012 - 01:38 PM

I doubt that the dealership would credit me the Blue Book value of the car. I got it for $4000 from my uncle because that's what the dealer told him he'd give him for it. That was 3 years and 30K miles ago. I'm looking on ebay and cars.com and the same car is retailing at around $6K. I got leather, power everything and sunroof, that's why I think I can get ~$6500 for it. At the dealership, they'll probably give me $3500.
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#9 User is offline   azjetfan Icon

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Posted 29 July 2012 - 09:56 PM

Sell it yourself. If it runs good someone will buy it. Either way having a xoan payment will help your debt ratio.
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Posted 29 July 2012 - 10:04 PM

Here's what I did so far:

Created an email account and hit up 9 dealerships within 30 miles of me. Come tomorrow, I should be getting quotes from all of them. I plan to take the lowest quote and email it to the rest and ask them to top it.
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#11 User is offline   azjetfan Icon

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Posted 30 July 2012 - 04:24 PM

That will be interesting. I am not sure how accurate of numbers you will get without them seeing your trade. I would send them pics, condition, the info and the vin so they can do there thing.
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