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New York Jets owner, Woody Johnson, named US ambassador to the UK
santana Icon : (02 January 2017 - 02:19 PM) texans coach? i doubt he gets fired
santana Icon : (02 January 2017 - 02:19 PM) but he would be ideal if the jets were to flush bowles out
santana Icon : (02 January 2017 - 04:36 PM) http://www.nj.com/je...trol_of_je.html
azjetfan Icon : (05 January 2017 - 09:54 PM) Sean Payton will get another HC gig. Obrien would be good.
azjetfan Icon : (09 January 2017 - 11:18 PM) Howard from Alabama seems legit. #88 TE
azjetfan Icon : (09 January 2017 - 11:20 PM) Williams the WR from Clemson looks like they are out to get him. He has taken some huge hits
vjdbbq Icon : (10 January 2017 - 07:12 AM) We'll take Williams in the first round .
Chadforpresi... Icon : (10 January 2017 - 10:48 AM) I'd love Howard in the 2nd round if he's still there. I like Williams a lot as well, but I just don't see WR being big enough of a need, and there should be better talent on the board at 6
Jetsfan115 Icon : (10 January 2017 - 07:21 PM) Raiders OC Musgrave not expected to return to OAK. what do you think about getting him? he did wonders with the oakland offense this year
Chadforpresi... Icon : (10 January 2017 - 07:39 PM) Definitely an appealing choice given with his history of progressing Carr. We need someone with a track record of grooming young QBs
MikeGangGree... Icon : (12 January 2017 - 12:36 PM) I want Watson now! after what he did Monday night I'm sold on him at QB. He moved the ball all night on Alabama and after hurts scored that TD he just told his team "Lets end this"
Jetsfan115 Icon : (12 January 2017 - 06:31 PM) An Ohio prosecutor says he wants to know what punishment Cincinnati Bengals player Adam "Pacman" Jones faces from the NFL before deciding how to proceed over Jones' latest arrest, Dan Sewell of the Associated Press reports..

Hamilton County Prosecutor Joe Deters tells WKRC-TV he's asking "what is the normal" for a player with multiple offenses and who's been suspended before.

An NFL spokesman said on Thursday that Jones' case is "under review" and declined to comment further.

Jones was jailed Jan. 3 on charges he head-butted police and spit on a nurse after his arrest for assault. Authorities say he was so combative he had to be placed in a restraint chair.

Jones says he anticipates the charges will be dismissed.
Jetsfan115 Icon : (12 January 2017 - 06:32 PM) we wont get watson. he's going 1st overall to the browns
azjetfan Icon : (12 January 2017 - 09:06 PM) Is Watson a product of Clemson's staff and supporting cast? Taj Boyd also put up some decent numbers if I remember correctly but he couldn't even make a scout team in the NFL.
azjetfan Icon : (12 January 2017 - 09:11 PM) From what I have read (although limited) he is not the highest ranked QB in the draft.
azjetfan Icon : (12 January 2017 - 09:11 PM) "No quarterback in this draft -- not Mitch Trubisky, not Watson, not DeShone Kizer -- is considered a sure thing. The folks at Scouts Inc. rank Trubisky, Watson and Kizer as the 21st, 38th and 46th prospects on their big board, respectively." ESPN
azjetfan Icon : (12 January 2017 - 09:12 PM) If we can get a decent return for Richardson we may be able to make a move into the mid teens to early 20s if the Brass really likes Watson.
azjetfan Icon : (12 January 2017 - 09:13 PM) Personally I don't think the jets have a clue on who they will take. We still have to hit FA and manage our roster
azjetfan Icon : (12 January 2017 - 11:46 PM) Jets to interview Broncos assistant Studesville for OC
Jetsfan115 Icon : (13 January 2017 - 01:28 PM) Why? seems like a weird choice
Jetsfan115 Icon : (13 January 2017 - 01:29 PM) Leonard Williams replacing Khalil Mack in Pro Bowl
Chadforpresi... Icon : (13 January 2017 - 09:49 PM) I'm not buying Watson, even after that championship game. Dude threw too many picks in his day
Chadforpresi... Icon : (13 January 2017 - 09:49 PM) I'm really curious to see what we get for Richardson, but I have a bad feeling his value is at an all time low between his crap season and bad attitude
azjetfan Icon : (14 January 2017 - 12:16 AM) I agree. He is a first round talent but a fourth round headache. We will be lucky to get a 2nd
Chadforpresi... Icon : (14 January 2017 - 08:41 AM) Yeah precisely. 2nd rounder would be a huge stretch. 3rd or 4th is more likely
vjdbbq Icon : (14 January 2017 - 02:18 PM) Send Sheldon someplace he will never see the playoffs ; like Jacksonville ; then he will have time to find da ho's .
azjetfan Icon : (14 January 2017 - 07:25 PM) R Sherman is getting torched by the Falcons.
vjdbbq Icon : (16 January 2017 - 09:37 AM) Pats vs Pitt - root for injuries
Jetsfan115 Icon : (16 January 2017 - 12:36 PM) GB-ATL game is gonna be a hell of a shootout. that throw rodgers made on 3rd and 20 with 12 seconds left in a tied game was ridiculous. 35 yards rolling out to his left a perfect placed ball on the sideline.
azjetfan Icon : (16 January 2017 - 10:50 PM) Winters resigned to 4 year deal. $7 million per year
Chadforpresi... Icon : (16 January 2017 - 10:51 PM) Seems like a slightly steep price but overall cool with it, he's turned into a good player and is still young. Just needs to stay healthy.
Jetsfan115 Icon : (17 January 2017 - 04:12 PM) seems like a good deal. they were saying he could have earned over 8 million in the open market
vjdbbq Icon : (18 January 2017 - 08:12 AM) Where's Rob ?
vjdbbq Icon : (18 January 2017 - 08:12 AM) Is he looking for a new ass ?
vjdbbq Icon : (18 January 2017 - 08:12 AM) :saythat:
vjdbbq Icon : (18 January 2017 - 08:13 AM) :trink39:
Jetsfan115 Icon : (18 January 2017 - 01:32 PM) 4 years 29 mil 15 mil guarenteed. so 7.25mil a year for winters. a nice bargain. he took a hometown discount. seems like a good guy. well done winters and mac
Jetsfan115 Icon : (18 January 2017 - 04:33 PM) Jets hire Dennard Wilson as defensive backs coach
Jetsfan115 Icon : (19 January 2017 - 04:01 PM) Trump to name Jets' owner Woody Johnson U.K. ambassador
vjdbbq Icon : (19 January 2017 - 06:04 PM) Maybe Woody will take the Jets with him to London . PLEASE PLEASE PLEASE
Jetsfan115 Icon : (20 January 2017 - 11:13 AM) Mark Gastineau says he has dementia, Parkinson's disease and Alzheimer's disease
vjdbbq Icon : (Yesterday, 07:54 AM) f***ing Pats again
vjdbbq Icon : (Yesterday, 07:54 AM) :sterb003: Tom Brady
santana Icon : (Yesterday, 03:00 PM) If the pats manage to win again I hope they cow tip goodell right at the podium
Jetsfan115 Icon : (Yesterday, 06:00 PM) in 2 weeks i'm gonna be the biggest falcons fan for a day LMAO
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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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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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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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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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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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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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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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