get what we talked about Chad youll much much happier

 

CHHHHHAAAADDDDDYYYY

get an NSX

 

Don't know you or anything - but you should most definitely get out and experience new things. Yeah it's nice to own a house and everything but I've always looked at that as putting down roots, not just making a purchase. You'll learn a lot about people and just plain living by experiencing the lifestyles in different parts of the world (even just in America). And cars aren't really anything very special, there will always be something that catches your eye later on. Maybe you should just get another reliable, affordable toy (like an S2K or maybe something cheaper) and change your timeline of what you want to do. A year or two from now you may want something completely different out of life and it'll be good not to have anything you're tied to. Don't marry any whores.

 

build a nice ass integra...with the way you do things, it'd be pretty awesome...

 

Thats what I had thought; just makin' sure.

 

Personally, I think you'd get a retard to get either of those cars at this stage in your life.

First of all, don't even CONSIDER financing a CAR for 72 months!!!!!!! Also, don't consider financing a CAR with a signature loan if you're going to have a 9% interest rate or potentially higher. NFCU is a great credit union, but if you're going to spend $20-30k on a car, why not buy something brand new and get better rates on top of owning a brand new car? Why not a TL Type S or something? That's what I've considered lately, and I've never wanted to buy a Honda or Acura before--ever! It seems to be a pretty well rounded car that can fit into a modest luxury category in some cases, and can be sporty too. It has a somewhat reasonable pricetag if you buy new or lightly used at a dealership, and it has a lot of creature comforts that a stupid S2000 or NSX probably wouldn't have.

Here's my point: If you'd rather throw money away on a car, why buy an old car like that with bad terms and rates? If it's to impress other people (and be honest... that's a majority of the reason why you would buy an NSX!!!), you should re-evaluate your priorities and concerns.

 

While I do see what you are getting at, you may have forgot who I am. In no shape, way, or form do I care in the least what anyone else thinks. I've owned a nice variety of cars, everything from a 96' Land Rover to an 89' Civic Hatchback 4Spd to a 01' NSX-T. I have a huge love for automobiles of all kinds.
If you've never had the chance to sit in or drive an NSX, I highly suggest you experience this. It has nothing to do with the bling factor nor how noticed you get - it's an incredible car that is amazing and fun to drive. Not a single day goes by that I don't miss driving that car. Even if I lived out in the country with no one else around to impress, that car would be a joy to own.

The Acura TL Type S is a decent vehicle, but it's not for me. Having both an Evo8 and a STi, I have ventured into the four door world and owning each vehicle for 6 months - it's obvious that they aren't for me. Not only that, but I will never buy a new car again. The single new car I bought, a 2007 dropped in value faster than a hookers panties come off. Paying over $33k the car sold private party with 1,400 miles for $28k. I bought my NSX-T from a dealership and sold it 6 months later with 14k miles more private party for the same exact dollar amount.

In regards to the Signature Loan - I do see where you are coming from in that perspective. This is the sole reason why my last NSX was a 2001 instead of an older model. At that time I absolutely refused to pay that much interest. If I could find a lender who would approve an auto loan for an older vehicle at a traditional auto loan rate, this thread wouldn't even exist and I'd be in another car.

 

We are closing tomorrow on a house with 0 down. We are not doing 100% financing either. We got the seller to contribute about 8% of the cost of the house to our closing costs and down payments. We were out of pocket for the inspection (on 2 different houses), the appraisal, and a few other things. Maybe $1200 total. House we are buying is right at about 180k. The FHA changes that your lender is talking about are not for sure yet. It is just possible that they may change. We qualified at 6.5% with the FHA and no money out of pocket. Your seller can contribute 6% of your down payment and up to 3% of your closing costs. You may want to check with another lender before you give up on the house.

 

I've had a few people make that suggestion, just don't think I could do it. After building the S2000, I don't think I could ever go all out and build a real nice car anymore.

 

To be honest, it's not even so much about the closing costs and additional fee's as much as it is about making a 30 year commitment in an area that I'm not sure I want to stay in. I do appreciate the notes though, I'll certainly keep them in mind! Congrats on your new house!!!!