Saying goodbye to my swift in about 2 wks time

[Velocity73]

Wow,new FD salvia come out

[Chiqinhan]

took 9 yr loan, mthly 900+

 

actually nv intend to stretch myh budget till so high, but think of it as a long term thing, so eventually paying much more than my original budget, but at least its something i really like and can foresee myself ownin it for the next 5-7 yrs.

 

car is something whereby sometimes cannot use the value to to justify it. hahaa...

 

my SE nt bad, answer watever i need to know or asked.

[Yr1985]

Congrats, Civic is never out of place and style for years to come. Wish I am driving one...haha

[Bladerunner]

oh... pai seh, so guess the new swift shouldn't be any problem thks anyway

[Flyingman]

bro how much is the cash rebate? my car just declared total loss but problem is i still owe finance quite an amount..

[Chiqinhan]

took cash rebate to settle my old loan. around 6k+

[Xiao_qiang]

Bro what happened that cost your ride to be in totally loss?

Sorry to hear that..

 

Sorry to highjack but is doing overtrade and overloan easy?

 

I own a 16 plus yr old starlet.

 

Still fit as a fiddle but would like to change a more spacious car as its quite crampy..

 

Still own finance a few thousands(>4K ba)

 

Is it worthwhile to do an overtrade or overloan?

 

As I dun wish my installment to double, I asked a few PI on Swift XG 1.3.But ended up overloan and 0 driveaway cost me up to 600 plus a month which is double my current ride installment and for 10 years.

 

My current ride can be a good form of transport from A to B. But as my sister is going to get her license soon..This current ride is too hard for her to handle,cos manual, no powersteering and no ABS.P-plate so I dare not put her at risk on my car..But as all in a family, I would like to share..Let her drive when I am not..

 

I can put in downpayment but not much cause now still working and studying for my degree and still wish to proceed on with studies..As my company recon paperwork very much...

 

I wish to be logical and careful before I commit my money for the next ten years.Wanted a swift 1.5M but dun think CM do overtrade right?

 

Advice anyone?

[Chiqinhan]

drive car definitely waste a lot of money... so once drive, try nt to think so much... but still must be within means. i think u can try taking cash rebate. calculate till the cash rebate is just enough or slight more or less the amount u own for your existing ride.

 

i find over bo hua as i pay more interest and yet i nv get any rebate, whereas for cash rebate, at least i can see the money now and slow pay bk in future. even though i think eventually both are more or less same thing.

 

no doubt cash rebate is more for mi

[Windwaver]

Yes, you bet, it's easily a europe trip every year

[Xiao_qiang]

True..Sometimes I find that if I dun have ride, I might save enough to go see the world..

 

But think again, I would then have to take the Garment's "world class transport" in the early morning since living in the east and work in the end of west.

 

Pros and cons need to be weighted before commiting especially in my case.

Edited September 30, 2007 by Xiao_qiang

[Malie]

hey bro..seeing the world is priceless.

 

taking the "world-class" transport is a small price to pay to see the world :)

 

really opens up one to everything..

 

I'm just enjoying the world now..currently in Stockholm..:)

 

 

but hey..convenience in singapore is a hefty price tag..but to me, not too worthy yet to forgo my travels.

 

cheers!

[Xiao_qiang]

Haha true..

 

Traveling does enrich one's knowledge more than hitting the books day and night..

 

But by the way are you from BMTC "E" coy during 2005??

 

Your nick sounds like one of my Sgt..Haha!!

[Chiqinhan]

mi earlier than tat, L coy in sch 2 in 2000.