Bad news [Archive] - Toyota Yaris Forums - Ultimate Yaris Enthusiast Site

.Kevin.

11-11-2010, 02:42 AM

Hi everyone, I got denied for my attempt to get a loan on my 2011 Toyota Tacoma.

Apparently we couldn't afford it since my money is invalid on my dads evaluations due to not being 19.

So now I was thinking of going for this Mustang V6, let me know what you all think about it, and if I could pull it off?

The Tacoma on a 5 year loan was like 40 grand, while this mustang is 16,000$ basically plus lets say the 5 grand of taxes making it 21 grand, HALF the price of the Tacoma. I was also wondering what you guys think about driving one around yearly. And what my chances are of getting one, and how to indicate a good salesman.

Also is it true that a dealership will sell cars that are not their name brand easier?

This Mustang is at a GM Dealership, and it is a Ford so I was trying to figure out if that is an upper hand.

What do you guys and gals think of the car iself? My chances?

http://www.woodwheaton.com/brochure.php?v_id=196&d_id=94

If not how much of a downpayment do they usually ask for something like this.

djct_watt

11-11-2010, 05:13 AM

How do you go from looking at a Pickup truck to a Mustang? The Tacoma isn't exactly a sports car, and the Mustang can't exactly haul stuff.

As tempting as it is to be mean, it's an honest question. Trying to figure out what you actually want and need will be far more helpful then just answering the question alone.

Having said that, i worked in credit and can tell you exactly what criteria the underwriters will look at. Creditors don't care about "money," they care about credit history. Even if you're 19, if you're are legally allowed to have debt and have credit history (ie installment payments and not just a $500 Sears card), it will be useful. Secondly, they will look at your overall income relative to your outgoing minimum payments. Having a low ratio is very beneficial. . . often times you turned down for a $40k loan but can be approved for a $20k. Your overall max approveable payment will depend on combined income and overall debt.

If your debt ratio is over 50%, then forget about asking the banks for $5. Also, your credit rating (which I assume is good if you are asking for loans that large) will come into play. But IMO, on 5 years, that's a helluva lot of interest for that huge of a loan. You said the loan was $40k, so that's basically 100% financing given the MSRP of most Tacomas. If I know more details, I can tell you very accurately what you can approved for. Unless you guys are rolling in dough, I hope you consider how much interest you'll be paying over 5 years. . . even with a good rate.

In terms of the car, I think the choice stinks. If you want a Mustang, get a Mustang. It's a great car. But you wanted and needed a Tacoma, willing to borrow $40k to get it. So yeah. . . if the truck is worth that much to you, you should just get a more inexpensive truck. . . there are tons of options out there. Resale stinks, loans are hard to get, there are tons of repos, and the used market is flooded with great cars.

And whether or not the car will be easier to buy being on a GM lot. . . it depends. . . depends on how long they've had it on the lot, depends on dealer incentives and promotions to their employees to move new or C.P.O. vehicles. . . it's hard to say. 95% of the time, salesmen will ultimately try to sell whatever gives him the most commission.

.Kevin.

11-11-2010, 06:09 AM

1stToyota

11-11-2010, 06:58 AM

The solution to your new car problems...

http://images.drive.com.au/drive_images/Editorial/2006/05/30/30carpYarisM_m.jpg

:rolleyes:

kimona

11-11-2010, 09:34 AM

You currently have a brand new Yaris sedan, that you don't want anymore. So, you decided to get a new Toyota truck, however, you can't get financing. Now, you're considering a used Mustang with over 50K miles on the clock, if you can get financing on it. Have I got this right?

RedRide

11-11-2010, 10:24 AM

We said we'd get a mustang if not the truck, and the truck was 40k with everything included in the long term. 4.9pct interest.

Mustangs is 4.9 aswell and 5 years it will be 21ish or 23ish thousand.

Looks like I have a shot, and the mustangs been there a good 3 months or so. What details exactly do you need? Also yeah my dad has good credit but the question is the money factor he gets around 3k monthly and I get 1.2k but my money doesnt matter since I'm underage.

Exactly what is wrong with the Yaris?
It's evident that you are rather young and can't decide what to spend your limited funds on.
I belive a bit of maturing is in order as you put any extra funds into a bank account.

I don't mean to be so harsh but, I have been there and belive me, you have a whole lifetime ahead of you when you can't rely on daddy and a lesson learned when young is invaluable.
Driving a fancy vehicle does not earn respect. Being self assured and not living beyond your means does.
:smile:

frownonfun

11-11-2010, 11:00 AM

What in the world were you getting on this truck? Were you having them wrap it in gold? 40k for a tacoma?! I paid 33k for my Tundra Crewmax.

jamal1984

11-11-2010, 11:04 AM

What in the world were you getting on this truck? Were you having them wrap it in gold? 40k for a tacoma?! I paid 33k for my Tundra Crewmax.

+1 bought a Brand New Titan a year ago for $16500
40K for a Tacoma?:eek:

JBougie

11-11-2010, 11:17 AM

They shouldn't even be allowed to make a V6 "Muscle car".

Just my opinion.

Do they have any used GTs? For a couple grand more, you can get a V8....

And I'm with everyone else ... $40k?! That's insane for that truck.

BailOut

11-11-2010, 11:54 AM

We already touched on this in your previous thread, but I feel it's important to go deeper into your psyche now.

You are young and have little income, yet you have already had a brand new car which you have wantonly snubbed. My parents didn't have a new car until I was a teenager, and I didn't have one until I was in my 30s.

You just tried to saddle yourself with 5 years of debt at 50% (!) of your meager income. I'm sure it wasn't an altruistic move for them to deny you financing, but at least it appears that lenders are being more realistic these days.

Now you're talking about saddling yourself with 5 years of debt again, still at 25% of your meager income. Geez.

I do not mean this as an attack but merely as pertinent observations: It appears that you are spoiled and clueless, bumbling through life with no direction, little sense and even less beneficial guidance. Your father should be the one putting the brakes on and it's sad that he isn't, so it's up to you to check yourself and save up for a used vehicle that you can pay 50% down on. This will teach you how to save while also allowing you to build some credit history while not saddling you with too much debt.

We live in a debt-based society that brings a modern day form of indentured servitude. The crazier thing is that no one *has* to buy into it hook, line and sinker but so many do. Those people are why I get 5% cash back on gas, groceries and pharmacy, and why I don't pay any State tax.

Would you like to be one of the people that supports these things through debt, or one of the people that benefits from it all? Your path began when you bought your Yaris and is currently headed in the debt direction.

fnkngrv

11-11-2010, 12:23 PM

Stick with what you have. Bottom line. There is ABSOLUTELY nothing wrong with your car now. Cheaper all the way around and easy to maintain. I really don't care what the numbers say about sales, a Ford will always be a toss up on whether or not it will cost you more than the car is worth in the long run or not unless you go with a pre-70s Ford. At this point you are most likely going to catch a lot of flack because even though people might not know you per se they will care enough to give you an honest evaluation of the situation. You are still really, regardless of if you like hearing it or not, and heaven willing you will have plenty of years down the road to get to where you want to be. The ONLY way that you will do so is to be smart as well as patient now and keep rolling with what you have.

JumpmanYaris

11-11-2010, 12:44 PM

Mi amigo sinceramente yo tu me quedo con el Yaris el auto no es el mas rapido en el mundo pero resuelve y no se ve mal con modificaciones oviamente yo no le puse todo rapido al auto por la misma razon, el dinero Que tienes Que invertir, cuando yo compre Mi auto yo sentia Que era un auto Como para femeninas pero, pero Como te dije con modifications looks 100 times mejor. Y Si esa tacoma esta super cara, piden demasiado dinero por ella. Bueno suerte con Lo Que decidas, Si necesitas consejos para modificarlo oh Como oh hasta para opiniones, me puedes dejar saber.

djct_watt

11-11-2010, 01:04 PM

I don't know about in Canada, but in the USA, min age for credit is 18. I guess it's different in canada. I've worked with partners up north, and don't recall that legality.

If you want to do the math, add up all your minimum credit payments on your max reported balance (highest balance ever) on your credit cards (from a
credit report), all other installment payments (ie car/home + taxes and insurance/12), or rent. Keep in mind a soft pull (like pulling ur own credit vs applying for a loan isn't the same... One will ding ur credit). All of those payments added together
must not equal more than 50% of gross income per month, including the new payment. Calculate the max payment to get to 50%. Also, your new payment should be no more than 30% of income. If those criteria are not met, you will be deep into subprime credit, and it will be VERY difficult to approve the loan.

djct_watt

11-11-2010, 01:06 PM

You're looking at a $400-500 payment/mo, and considerably higher insurance... Bear in mind this will cost u a TON of money if u have no downpayment.

Vioz

11-11-2010, 02:20 PM

The solution to your new car problems...

http://images.drive.com.au/drive_images/Editorial/2006/05/30/30carpYarisM_m.jpg

:rolleyes:

WOW :drool::drool::drool:

that is a really nice car there, i would go for that one.

but if you really want an old ugly lookin mustang (todays models look better) go for a v8, v6 is for chix (no offense). Otherwise the car right above is sexy as hell

DebbyM46227

11-11-2010, 02:36 PM

Stick with your Yaris.

.Kevin.

11-11-2010, 02:43 PM

Kal-El

11-11-2010, 02:57 PM

First off, a Tacoma can only be optioned up to about $32,000 (unless you add on aftermarket or special dealer accessories). Are you adding in you total interest to get $40K?

Kevin, I think we are all curious. What TYPE of vehicle do you NEED.

Bouncing between a pickup truck and a sports car? And this is after initially choosing an economy sedan. That's like someone not being able to decide between a Hummer or a Prius. :iono:

Perhaps you could describe your logic here. Surely you don't NEED a pickup. So why did you try to buy one?

It's too bad you don't like your Yaris sedan. I love mine more than anything in the world.

DebbyM46227

11-11-2010, 03:03 PM

Even if you had the dealer install fog lights on your Yaris to make you happier with it, it's a heck of a lot cheaper than buying the Tacoma or the Mustang.

When I was your age I lived at home and always had to have the "latest" new car that came out. Then another model would come out and I had to have IT to make me happy, then another, so on and so on, and if I'd not done that, I would have a heck of a lot more money in the bank today.

Kal-El

11-11-2010, 03:03 PM

....
I only got the yaris cause its my dads dream car not mine.

Anyways I guess I'll just save to be safe. Sigh the only thing that pisses me off about the Yaris is it didnt even come with foglights and dealers here charge a fortune and I cant buy any offline.

sigh I will learn to love you Yaris.

Who cares about fog lights?

What does your father drive? Curious since the Yaris is HIS "dream car". Don't know why that would result in you owning one.

maxxman420

11-11-2010, 03:07 PM

dont buy the v6 mustang. might look cool and what not, but seriosly i beat one with my yaris. you will definately regret it because gas is going to sky rocket soon and you will be crying

Kal-El

11-11-2010, 03:13 PM

dont buy the v6 mustang. might look cool and what not, but seriosly i beat one with my yaris. you will definately regret it because gas is going to sky rocket soon and you will be crying

Seriously. When gas shoots up Kevin, you'll beat yourself up for selling the Yaris.

Notice it's going against traditional trends. It's going up entering winter after being level all summer. One of the reasons is because of the weakening dollar.
We ain't seen nothin' yet. Hyper inflation may be coming.

kimona

11-11-2010, 04:07 PM

Kevin lives in Canada where gas is already considerably more expensive than the States. In Prince Rupert, BC, gas prices are equivalent to about $4.30-$4.50 per US gallon!

cali yaris

11-11-2010, 04:24 PM

the only thing that pisses me off about the Yaris is it didnt even come with foglights and dealers here charge a fortune and I cant buy any offline.

uh, no.

http://shop.microimageonline.com/Foglight-Kit-YARIS-SEDAN-FL-SD-01.htm

JBougie

11-11-2010, 05:05 PM

You guys ... it's a V6. Gas isn't going to be that bad. There are plenty other valid reasons he shouldn't purchase that car, but gas mileage isn't a really good reason. The V8 gets 26-28mpg highway. And still does cool stuff like this:

http://www.youtube.com/watch?v=f23wRxvc_qA

hehe *drool*

So yeah, the whole gas mileage thing isn't a valid reason IMO, when the average Yaris is only getting 32mpg highway.

Kal-El

11-11-2010, 06:08 PM

So Kevin, what is it again that you don't like about the Yaris? Is it the styling or the performance? Something else?

Just trying to get a sense so we can try to help you out with ideas.

Here's some excellent examples of modded sedans. If you're bored with the sedan, try some of this and surely you'll fall in love. It will be more cost effective for you to do a bunch of mods than to get a Mustang, for example.

Kevin, I know you've probably seen most of these, but I figured I'd throw some together. How can you not love this car!?!?!

Here's some of my favorites...(hope the members here don't mind me posting their cars:smile:)

http://i208.photobucket.com/albums/bb261/YarisKaos/01-13-09/NapaHDR5DP.jpg

http://www.jaypadua.com/vios/vios_clean2.jpg
(same car, different phase)
http://i562.photobucket.com/albums/ss67/jpaduadesigns/pitimini/IMG_1364.jpg

http://i45.photobucket.com/albums/f95/ricksonf/8002.jpg

http://i634.photobucket.com/albums/uu61/derickveliz/Yaris%20Deadening/DSC_9587.jpg

http://www.yarisworld.com/forums/attachment.php?attachmentid=34182&stc=1&d=1275516186

http://i208.photobucket.com/albums/bb261/YarisKaos/Giovanni%20G817H/DSC_0078.jpg

http://i35.photobucket.com/albums/d155/MASUMOBJ/Fairmount%20Park%20meet/FairmountPark_010.jpg

http://www.yarisworld.com/forums/attachment.php?attachmentid=38020&stc=1&d=1288823952

http://farm5.static.flickr.com/4086/5147356433_8d51d8be8a_b.jpg

fnkngrv

11-11-2010, 06:45 PM

^ what about mine??? :iono: :cry::cry::cry:

:laughabove:

just kidding...

Kevin, Like Garm said, you can purchase from him. You really need to contact him directly and he WILL find a way for you to be able to pay for the parts. I know that you have difficulty with payment types with your situation. Are you registered on MI yet? Do you have Garm's email (mcroimg@gmail.com)? Hell, you could even do a money order and send it certified or through Fedex Envelope to him. Pick up a set of fogs and put out an APB for someone on either YW or MI to meet you somewhere perhaps on a weekend and knock out the install if you need assistance.

1stToyota

11-11-2010, 09:41 PM

You guys missed the part where I am paying for it, my dad is just getting the car since I cant due to being under aged.

As for spoiled? My dads lesson to me was buying an old shitty mustang and making me restore it.

I have a yaris and this thing in a storage unit, I only got the yaris cause its my dads dream car not mine.

Anyways I guess I'll just save to be safe. Sigh the only thing that pisses me off about the Yaris is it didnt even come with foglights and dealers here charge a fortune and I cant buy any offline.

sigh I will learn to love you Yaris.

I think your dad is just being smart by helping you decide on the intelligent choice (Yaris) before he lets you loose behind the wheel of the classic Mustang. You need to establish a good driving record first, my guess.

As for the Yaris, a few tasteful mods and you'll learn to love it quickly enough, and w/o having to buy vehicles that are far more expensive.

Something like this beauty...

http://www.jaypadua.com/vios/vios_clean2.jpg

why?

11-11-2010, 11:43 PM

dude, at this point this has nothing to do with money. You are just spinning your tires to do anything different.

Just stop. Take a week at least and drive what you have. Think of it this way, you crash the yaris and no big deal. You crash something else that you just bought and it is just that much more money and headache. Take a couple years, learn to beat the heck out of the yaris, and after college when you have a real job you can buy something cool, and by then you will be able to drive the classic around a bit as well.

you are in the years when you should have an inexpensive car you can beat on. The yaris fits that perfectly.

and if you really want something different, get a cheap beater car. something that you can have some fun with, but that won't kill you to get into some trouble with. there are a bunch of fun inexpensive rear wheel drive cars out there that can be had for a few grand at most.

.Kevin.

11-12-2010, 01:29 AM

Yaris is decent looking and from bare stock I've modded it up abit it's just why make a car look fast that doesn't go fast, why try to make it fast lol I got owned by a god damn cavlier and sunfire on the highway just trying the cars limits out feels miserable even a corolla would of been sweeter. v6 has speed but not tons if what I wanted in the first place a yaris is like "...." no matter what lol and a cavalier is a 4 cylinder efficient in fuel yet goes faster and they cost like 3 grand lol, only good thing about my car is its brand new.

And I can drive pretty well I used to go to the track in my old mustang.

Also my dad drives a 2005 Toyota Echo, he even tried to get me to buy a 5 dr hatchback cause he liked it lol, and I endedu p with this because its the only thing he wanted yet when we could afford another in the first place.

As for Garm, How the hell do I buy that? I got no creditcard paypal is a dick with my bank I have no idea how to get my money to you unless Royal Bank of Canada exists there its shit.

And fog lights is my favorite part of a vehicle, and I dont have them plus winter fog here is so bad that its nice to have them.

Gas here isn't what you'd call cheap.

Pic is also my car if it matters. Last thing I added to it was a rear sway bar

hope I answered more questions I tried to summarize this. I also have a radar detector for a car that has 105 hp lol its ridiculos

.Kevin.

11-12-2010, 01:35 AM

Forgot the picture

djct_watt

11-12-2010, 01:50 AM

If speed is such a big deal, get a motorcycle. No matter what kind of car you get, something will embarrass the @#($&@#$() out of it. Any bike will embarass a car, unless it's ridiculously modified to the point of lunacy. Even a basic commute bike like a Katana 600 (my first bike) would walk all over most sports cars. 11 second 1/4 mile. . . on a bike that all other bikers make fun of for being slow. You could buy one for less than $2000. After getting into bikes, I realized that ALL cars are extremely slow, unless you've got BIG money for something ridiculous. Learn to ride properly (and not like a squid), have the right safety equipment and gear, and you'll enjoy it far more than any sports car.

I've driven tons of exotics, and we even have a few in the family (which I occassionally borrow), but I'd take a ride on a liter bike (imported bikes cost well over $25K here) over ANY sports car, anyday.

.Kevin.

11-12-2010, 01:57 AM

It's not about going fast, it's being ABLE to. I never speed but when a shit head thinkin hes cool rolls up with his walmart tinted windows in a cavalier and rapes my life it's sad in my miind lol.

My radar detector is kinda useless seeing as cops dont even look at me because if I am speeding, it's cause I'm trying to get this thing to go fast.

djct_watt

11-12-2010, 02:14 AM

So you want to get noticed MORE by cops and get MORE tickets???? When I had an xA (pretty much identical to the Yaris) in the USA, I never had a problem getting tickets. I frequently drove from SF to LA maintining about 110MPH (topped out at 118 on a 5spd). Here in Thailand, I frequently cruise at 160-180KPH (100-112MPH). That's plenty fast (too much at that) and I have no problem getting to those speeds. . .

Beware that even in a Mustang, there will be some rusty sleeper car that will embarass it. It's not hard to go fast, and there will ALWAYS be faster cars out there. If you can't get over that, then you will never be happy with any car. I knew a guy with an old datsun that would smoke motorcycles. . . and he did it for VERY little money (350ci motor dropped in). It's never fun to get beat by another car, but what's worse is if you actually care. The true fact is that very people in this world care which of two retarded cars is faster. Unless you have something exotic and truly special, nobody except for forum geeks care. If it matters that much to you, go for it. But yeah, from someone with experience (and others will tell you too); no matter what car you get, those feelings will linger as there will always be faster cars around. . .

.Kevin.

11-12-2010, 02:18 AM

Only faster car than a mustang here in my small town is a shelby that comes out on saturday, the old man drives it around everywhere literally all day on purpose he just stops to eat lol i talked with him once when I was in my first gen

tk-421

11-12-2010, 02:37 AM

Sigh the only thing that pisses me off about the Yaris is it didnt even come with foglights and dealers here charge a fortune and I cant buy any offline.

Why is getting them offline a big deal? Just curious...
Especially when you can get them for really low prices. Got $25 (http://www.yarisworld.com/forums/showthread.php?t=31786)?

.Kevin.

11-12-2010, 02:47 AM

Why is getting them offline a big deal? Just curious...
Especially when you can get them for really low prices. Got $25 (http://www.yarisworld.com/forums/showthread.php?t=31786)?

I CANT I got no paypal, and no way of sending money.

I got scammed by sleey0 for a front grille trd emblem that guys a dip shit.

And I lost 25 dollars to him.

PLUS that guys fog lights are sold rr... frustrating the foglights are.

yaris2010RS

11-12-2010, 03:02 AM

get some random canadian tire fogs, lol. i hear u with wanting more of a car, im only 19 myself but im happy i got the yaris (and the lowering kit really helps) lol. make it fun. lower it, put in fogs, drill holes, put in a system if u like ur music (or jsut base like me :)), huge thing to do is put in NST pullies. amazing to make the car go faster. i put them in and i cant believe how much i get pulled into the seat now. the other day i pulled over to make sure i had gotten into my car and not my moms (v6 camry)

ur a kid like me, have fun and who cares what ppl think. go to the track and have alot of fun. the yaris impresses alot of ppl (especially in the snow)

.Kevin.

11-12-2010, 03:08 AM

Canadian tire fog lights look like crap they place them shitty so why bother lol voids warranty and what are you gonna do when those canadian tire fogs blow in a month.

landrym28

11-12-2010, 04:26 AM

As for Garm, How the hell do I buy that? I got no creditcard paypal is a dick with my bank I have no idea how to get my money to you unless Royal Bank of Canada exists there its shit.

Send him a message offline or here in the forums. He might be able to help you out with this situation. Who knows, maybe he'll accept a money order or something.

-Matt

.Kevin.

11-12-2010, 04:29 AM

I live in Canada, I could prob airmail him money in a day cash USD but eh we never talk I get repones from em.

Black_griffin6

11-12-2010, 05:07 AM

IMO, you really should just save your money. Yes, the yaris might seem a bit boring or lame right now, but it's what you can afford. If I were you I would take my yaris and do some upgrades on it like springs, better tires, maybe even a supercharger or whatever, what would be way less expensive then a new car.
Your yaris will last you a good long time if you take care of it, and it can be a pretty fun little car.

Besides, I wouldn't get a V6 mustang unless it was the new mustang with the 300 HP V6, you get a V6 mustang with the performance of the old V8.

.Kevin.

11-12-2010, 05:20 AM

http://www.youtube.com/watch?v=2kOuZp6MflE&feature=related

This video made me cry almost btw because my dad got his Echo from a rental place, sigh.

SailDesign

11-12-2010, 08:33 AM

<sigh>
I'm 55 now, and got my first ever new car (2007 Yaris) at the age of 52.
Compared some of the cars I owned as a kid, the Yaris has power. Let me repeat that - my last car in Europe was a Fiat 126, roughly 40 hp from a 600cc engine. My last car here before the Yaris was a VW Fox, 81hp from the factory, same weight as the Yaris.

And believe me, Kevin, it is MUCH more fun driving a slow car fast, than driving a fast car slow. Until the guy with the lights on his roof gets upset, of course. Your Yaris is capable of breaking every speed limit in the country. If you're upset with the dickwad blowing you away at the lights, then wait till he gets to a corner and catch him up again. It'll piss him off even more.
HTH

DebbyM46227

11-12-2010, 09:22 AM

I got owned by a god damn cavlier and sunfire on the highway just trying the cars limits out feels miserable even a corolla would of been sweeter. v6 has speed but not tons if what I wanted in the first place a yaris is like "...." no matter what lol and a cavalier is a 4 cylinder efficient in fuel yet goes faster and they cost like 3 grand lol, only good thing about my car is its brand new.

Trust me....you don't want a Cavalier! That's what I traded in to get my new Yaris. My Cavalier was the latest gen before they replaced it with the Cobalt, had 108,000 miles on it, it was a rusted out beater that got much worse gas mileage than my Yaris. My Yaris is faster too. You think a Cavalier won't suck up every spare dime you have? When mine had under 80,000 miles on it, the plastic radiator blew a massive hole in it, and right after I spent $600 for a new one, my head gasket blew...Another $1100.00.

And a year after I spent all that money, I traded it in on my Yaris and the dealer gave me a whopping $500 for it.

Kal-El

11-12-2010, 12:01 PM

Kevin, what is this fascination with racing people from stop lights?

I know you're young, but what satisfaction comes from this?

You're either going to end up dead, in jail, or without a license. Just a matter of time.

If someone wants to race, just ignore them. No one is forcing you to race. Just start out slow like you're thinking about your fuel economy. And if someone wants to race your Yaris, then they are pathetic.

Even in my modded Yaris, I have yet to encounter anyone who wants to race me. It's just idiotic to do on public roads.

If you were to get a faster car, than this inclination to race is just going to multiply and it's really going to get you in trouble. What are you going to do in a Mustang if a Corvette pulls up beside you? If you had a Corvette, what happens if a Ferrari comes along? And even if you were rich enough to have a Ferrari, what if a Bugatti Veyron were to show up? Get my point?

.Kevin.

11-12-2010, 02:09 PM

It's not that I like racing, I've only done it twice. One time was around a curb and some v6 mustang from the 90's couldn't turn well enough so I just sway bared out of there lol

the second was that cavalier, racing isn't my thing I just like going fast sometimes and it turns into a race *shrug* atleast for them.

And yeah I know cavaliers are a piece of crap thats my point ! Either way I'm trying to get those yellow oem fog lights off the guy for my sedan last attempt here I got 400 dollars in hand atm lol

RedRide

11-12-2010, 02:11 PM

FWIW.....

My first car at 16 years old was a 13 year old Chevy and my second car was 15 year old Chevy.

When you are young, it's a time to have fun, go places with friends etc without worrying about scatching a new car.
I had a blast with those cars and never once did I worry abouit scatching this or denting that etc.

Real friends will not care about what you drive as long as it's safe.

My advise...... keep the Yaris and enjoy life, You are only young once! :smile:
Also, as you go through life remember one very important thing.......You should own a car, never let a car own you!

p123456789

11-12-2010, 11:07 PM

so.... if your car had foglights you would be much happier and because you cant buy them offline you want to trade it in? why dont you find a place that will accept money orderes.

Kal-El

11-12-2010, 11:21 PM

I don't get it. You can't walk into a store in Canada and buy fog lights. :iono:

This is a general question not directed at you Kevin. :smile:

Can a Canadian chime in on this? Thanks

.Kevin.

11-12-2010, 11:24 PM

You can get canadian tire fog lights but they blow and look hideous instead of OEM in the slots.

And honestly its partially why I wanna trade in, fog lights are huge for me and you pretty much need them here. But obviously you dont buy OR sell a car cause of shit like that.

Kal-El

11-12-2010, 11:48 PM

You can get canadian tire fog lights but they blow and look hideous instead of OEM in the slots.

But why can't you buy any type of fog lights you want in Canada?

.Kevin.

11-13-2010, 02:36 AM

But why can't you buy any type of fog lights you want in Canada?

Shops dont sell anything where I live, plus my town is extremely small.

SailDesign

11-13-2010, 10:00 AM

Shops dont sell anything where I live, plus my town is extremely small.

I know this is a long shot, Kev, but... Why don't you find what you want online, then get the cash ready, and ask someone with a credit card or paypal to buy them for you? Then you pay them the folding greenies, and all is well.
It REALLY isn't that difficult.
Honest.

djct_watt

11-13-2010, 10:32 AM

1stToyota

11-13-2010, 12:03 PM

U guys know what it's like to be young... Needing to prove yourself to cavalier drivers, lol... As if any of that stuff makes ur manhood any larger... Then
U get older and realize life isn't a competition... Not on the STREET anyway...

Yeah, when you're young you have the answer/excuse for everything, and you have the world in your back pocket but can only afford to carry a little bit of money in the front; I was young once.

WeeYari

11-13-2010, 01:53 PM

Even though I find this thread ridiculous and reading it keeps sickening me, I'll contribute one time.

- Right now there is a Blitz Supercharger for sale in Edmonton.
- Eventually you WILL find some fogs.

So for an investment of ~$2,000 you will have the power you desire, the fogs you so passionately find important, and still retain your dad's dream car.

/OUT

nemelek

11-13-2010, 02:23 PM

RedRide

11-13-2010, 03:01 PM

LOL..... Like the old saying goes "It's a shame that youth is wasted on the young". :smile:

What most young people fail to understand is, the older people were young once also and they had the exact same attitued when they were young.
The older people are just trying to give them the benefit of their 20-20 hind sight.

Hey, when I was young, I thought I knew everything also.
However, I had the benefit of wise parents who laid down the law and raised me with a sense of responsibility and sensibility that I have been very greatfull for all my life. :smile:

djct_watt

11-13-2010, 04:52 PM

I can’t cite the source but I like this quote. Good judgment comes from experience and experience comes from bad judgment.

I wish that I had listened to the experience of my elders when I was your age. Instead I went to the school of hard knocks.

Doing great now as I live on the money I made in the past, not on todays or tomorrows money.

Sometimes your parents will warn you not to touch the stove because it's hot. That's from experience, maybe. But if you have the bad judgement to touch the stove despite the warning; creating that experience is not such a positive thing. . . it's more like you're just experiencing your own STUPIDITY. If wise people warn you not to jump off a cliff, you'd just be an idiot to jump off anyway. But that's why so many people die young. . .

frownonfun

11-13-2010, 06:21 PM

Honestly I think you should do whatever you wanna do. Get the mustang if that's really what you wanna do.

Or don't.

Point is, don't listen to all these other knuckleheads. It seems silly to me that other people would care so much about decisions you plan or don't plan to make. Whether those decisions are wise or not shouldn't really matter all that much to anyone but you. It is your life after all.

EDIT: But I am still curious as to how a Tacoma could be 40k.

.Kevin.

11-13-2010, 08:53 PM

1stToyota

11-14-2010, 07:05 AM

Honestly I think you should do whatever you wanna do. Get the mustang if that's really what you wanna do.

Or don't.

Point is, don't listen to all these other knuckleheads. It seems silly to me that other people would care so much about decisions you plan or don't plan to make. Whether those decisions are wise or not shouldn't really matter all that much to anyone but you. It is your life after all.

Funny you should say that.
If knuckleheaded opinions don't matter, why does he keep asking for the advice of others to help him decide? Guess he's on his own from now on? :rolleyes:

djct_watt

11-14-2010, 07:48 AM

SailDesign

11-14-2010, 10:16 AM

I think this little sign (found pinned to a tree in Australia) should be my last entry in this thread. Sums it all up for me...

frownonfun

11-14-2010, 10:35 AM

^ this concept always amazes me. . . people post pics, opinions, and all sorts of garbage on a PUBLIC ONLINE FORUM, and expect the entire world to agree with them. . . or totally ignore things they didn't want to hear.

Yeah that's pretty much how people work. Most of the time they are looking for reassurance, not necessarily advice. It's not that crazy of a concept.

Also about the "knuckleheads" comment, I assumed by using such a benign word everyone would know that I'm mostly kidding. Everyone who's posted in here has had valid points. Most of which the OP should probably take under consideration. But at the same time if he doesn't like the yaris then he doesn't like the yaris. I feel that way myself some days.

djct_watt

11-14-2010, 10:42 AM

The INTERNET is not a place of reassurance. To assume so is to assume incorrectly. It's no crazier than going to a police station for advice on how to kill a cop.

.Kevin.

11-14-2010, 04:14 PM

How is that comparison rellevant? Lol watt never ceases to amaze me.

And lol that photo was hilarious

djct_watt

11-14-2010, 07:36 PM

It was a response to frownonfun; relevant as a analogy to seeking only sympathetic advice and reassurance on the Internet. Let me spell it out for anyone who can't follow... If you go to a police station for advice on how to kill a cop, not only will you not get any, they'll probably beat you silly. If someone were seeking that information, they should try someone like their mommy who will cradle them and tell them they are special and that everything will be alright. This scenario applying to someone with those assumptions, should they have them. Because expecting the world to agree with you is pretty juvenile.

frownonfun

11-14-2010, 08:19 PM

I wasn't trying to start an argument.

Just pointing out that when people ask for advice they generally aren't asking for genuine advice but instead reassurance so that they can go ahead and move forward with what they were going to do anyway but now feeling justified in doing so.

Didn't really have anything to do with expectations about the internet or otherwise. At no point was I saying people should expect sympathy, or even empathy for that matter, on the internet. In fact I'd assume most of the time you'll get the opposite.

But, most likely, you will find a few people in your corner and ignore the advice of all those who might disagree with you. That's just human nature. And that's all I was pointing out. It was just an observation mostly in response to some of the people on here getting all worked up over what Kevin does. And yes, I understand he asked but all you can do is throw in your 2 cents and move on. At the end of the day it's his call.

And the rest of us really don't have all that much at stake no matter what he decides to do.

djct_watt

11-14-2010, 09:19 PM

Makes perfect sense. I don't think ANYBODY IN THE WORLD cares what he does. But it's a forum, and it's fun for us to discuss and make comments, which is the whole point of this place. It's a enjoyable way to waste time. But yeah, the whole asking advice and looking for sympathy is pretty much expected. . . but it's usually more common with younger people. Some people, whom get older and wiser, learn to listen to opposing opinions and look for logic and reason. And sometimes when presented with a good argument, they will broaden their point of view and LEARN. It's one of the greatest things about life, growing up. There are finer and greater joys in life that, as a kid, you never knew existed. Back then, you cared about which grocery getter went 0-SLOW in the least slow time. Later on, if you still have a passion for speed, you save your money and put it into something WORTHWHILE.

You can spend decades trading in slow car after slow car, or you can save for 5-10 years and buy something TRULY remarkable. Most of the time, the people (that don't get money from their parents) who drove miserable beaters when young are the first to own their own home or a legitimately nice car, own being the operative word. Then there's the people perpetually trading in their top trim (OMG, it has a special edition R badge on the back) POS, owing half a decade up on their car in payments and upside on the loan.

SailDesign

11-14-2010, 09:34 PM

How is that comparison rellevant? Lol watt never ceases to amaze me.

And lol that photo was hilarious

Glad you found the photo funny, Kevin, coz I really was not trying to be anything but funny.
I guess I can understand both sides of the argument here (the "Why doesn't he follow the advice he was given when he asked" and the "Do what YOU want to do because ultimately you are only trying to please yourself.")
It's a tough choice, especially if you don't hear what you were hoping for, or if the advice is to do nothing. I will commend you for losing it and falling back on insults. Too many people do that, and it really doesn't solve anything much.
So, enjoy the pic (which is why I took the photo in the first place) and have fun with trying to figure out the car thing.

.Kevin.

11-14-2010, 09:49 PM

Glad you found the photo funny, Kevin, coz I really was not trying to be anything but funny.
I guess I can understand both sides of the argument here (the "Why doesn't he follow the advice he was given when he asked" and the "Do what YOU want to do because ultimately you are only trying to please yourself.")
It's a tough choice, especially if you don't hear what you were hoping for, or if the advice is to do nothing. I will commend you for losing it and falling back on insults. Too many people do that, and it really doesn't solve anything much.
So, enjoy the pic (which is why I took the photo in the first place) and have fun with trying to figure out the car thing.

I already chose to keep my Yaris :D I bought these fog lights to get mounted on Friday aswell.

Any opinions? Or know anything about these anyone>?

firemachine69

11-14-2010, 10:12 PM

To those in the OP's situation:

If you couldn't get the loan for the Tacoma, you have zero business owning a Mustang. The insurance is equally the difference on what you would have paid for the Tacoma. So in short, if the BANK, the greediest of all people won't lend you money, that should tell you something about your finances.

It's a good idea that you kept your Yaris. Based on your age, I'm going to gander it's probably the threshold of affordability, as well.

frownonfun

11-15-2010, 01:05 AM

I already chose to keep my Yaris :D I bought these fog lights to get mounted on Friday aswell.

Any opinions? Or know anything about these anyone>?

That logo is pretty mesmerizing. Other than that I don't know much about fogs. Good luck with them though. I always wished fogs had come with my sedan too when I still had it.

Kinda glad you didn't get a mustang because every time someone buys a mustang a fairy dies. It's true.

djct_watt

11-15-2010, 01:33 AM

Blazer makes lamps and lights for GM, kinda like how denso does for Toyota. The critical part is the install... Proper wires, switches, fuses, and relays.

.Kevin.

11-15-2010, 01:46 AM

Blazer makes lamps and lights for GM, kinda like how denso does for Toyota. The critical part is the install... Proper wires, switches, fuses, and relays.

Theyre gonna bolt them on just infront of the slots where they should be, you guys thinnk it's worth it? And it comes with a switch and wiring inside etc they will wire them to my low beams apparently.

What do I do? I have up until friday to decide if I don't want them on.

It just bugs me they re going to put a hole in my car where it shouldnt be. Maybe I could get them put behind the grille in the centre of the car on the bottom?

Still willing to by fogs if anyone has them for a sedan.

kimona

11-15-2010, 02:03 AM

If you plan to install them... it would have to be in the lower front grille. They will actually look okay there. Anywhere else would just look very odd.

Don't understand why you don't get fogs from Garm. Go to the bank (CDN$ almost at par now), purchase a money order, post it to Garm, and he'll send you the fogs. With just a little patience, your car will look better... and you'll be much happier in the end.

djct_watt

11-15-2010, 02:06 AM

I'd wire them up to a seperate switch, but it's a personal preference thing. Fog lamps are pretty much just decorative if there's no actual fog. . . kind of a waste of bulbs to leave them on all the time.

Putting them behind the grill will cut light output, so unless you can have them completely clear the spacing, you SHOULD make some cuts to have them be functional. Make sure they are using a seperate power line and not just wiring them up from the headlights' hot power lead, otherwise you'll end up with melted wires. The Yaris is already prewired for fog lights, you just need to buy the switch assembly which might be hard for you to get. . .

The proper install is a direct wire to the battery, a relay, and interior switch. It should be on it's own circuit.

djct_watt

11-15-2010, 02:07 AM

If you plan to install them... it would have to be in the lower front grille. They'd look okay there. Anywhere else would just look very odd.

Don't understand why you don't get fogs from Garm. Go to the bank (CDN$ almost at par now), purchase a money order, post it to Garm, and he'll send you the fogs. With just a little patience, your car will look better... and you'll be much happier in the end.

I agree 100%.

.Kevin.

11-15-2010, 02:17 AM

How does a Money Order work? And how the hell do I get garm to talk to me.

And does his foglight kit come with the switch assembly or whatever?

djct_watt

11-15-2010, 02:25 AM

A money order is like a certified check. . . you give them cash, they give you a money order. Money orders can be cashed at banks. And you can contact garm via his website, PM, or email.

.Kevin.

11-15-2010, 02:32 AM

A money order is like a certified check. . . you give them cash, they give you a money order. Money orders can be cashed at banks. And you can contact garm via his website, PM, or email.

How the hell do I give him a cheque? I'd have to send it in the mail no?

djct_watt

11-15-2010, 03:03 AM

Not a check, a money order. You walk into a bank, give them cash, and they give you a money order. And yes, mail it using certified mail. It takes just a couple days and you get confirmation that it's been received. Money orders are safe to mail, there's no personal account numbers or identification attached; just certified funds made out to him. Once he receives it, he can ship you the parts. Do you not have mail where you live?

djct_watt

11-15-2010, 03:07 AM

If a money order is sooooo complicated, just go to a friggin western union. OMG dude, it's seriously NOT THAT HARD.

You can also get a prepaid credit/debit card to make purchases online.

http://www.wikihow.com/Fill-Out-a-Money-Order
http://www.westernunion.ca/WUCOMWEB/staticMid.do?method=load&countryCode=CA&languageCode=en&pagename=HomePage

djct_watt

11-15-2010, 03:11 AM

http://dan.matan.ca/RBC-Royal-Bank-Canadian-Prepaid-Visa-Gift-Card-Review-Details
http://dan.matan.ca/Canadian-Prepaid-Mastercard-Visa-Card-Reviews-Information

.Kevin.

11-15-2010, 03:44 AM

Sent garm (micro image) a PM on his own website hope to god I can finally get a conversation with this guy.

Greenthunder

11-15-2010, 10:52 AM

Kinda glad you didn't get a mustang because every time someone buys a mustang a fairy dies. It's true.

O rly?

djct_watt

11-15-2010, 12:29 PM

Canadian money orders are valid in the USA, if sent to a recipient in the USA. . . plus Garm won't have to ship anything until the funds clear anyway, which they will since they can be cashed (assuming he doesn't take the M.O. to Somalia or something). . .

http://pe.usps.com/text/imm/immc3_022.htm
Look at line 371.52.

.Kevin.

11-15-2010, 01:37 PM

O rly?

umad?

frownonfun

11-15-2010, 03:01 PM

O rly?

yeah it's true. that's why you really don't ever see fairies. some theorize they have all been killed by all those car buyers who decided to go with a dime a dozen mustang.

naturally i'm kidding. just not a fan of the poor man's sports car.

Greenthunder

11-15-2010, 04:33 PM

No I'm not mad Kevin, I'm perplexed as to why you would pay $16,000 for a V6 when you could get a decent GT for almost the same.

frownonfun, I wouldn't call one the S197 chassis a poor man's sports car. Its a good platform for going to the drag strip and throwing down decent 1/4 mile times and also for taking to a road course. Please don't take my argument as one of those frothing at the mouth die-hards.

.Kevin.

11-15-2010, 11:39 PM

A stock mustang gives garms souped up Yaris a gasp of air lol you cant compare a yaris to a stang friends relax

Kal-El

11-16-2010, 12:57 AM

A stock mustang gives garms souped up Yaris a gasp of air lol you cant compare a yaris to a stang friends relax

Garms Yaris has 357 HP (in one of the lightest cars available). A Mustang would probably need about 450 HP to compete. I've never seen a base Mustang with those specs.

:confused:

.Kevin.

11-16-2010, 02:25 AM

Garms Yaris has 357 HP (in one of the lightest cars available). A Mustang would probably need about 450 HP to compete. I've never seen a base Mustang with those specs.

:confused:

Lol on his videos he dragged with a yellow 2nd last gen one. It was a convertible aswell I think. Those might not have as much horsepower unmodded, a v6 with the new genre of engines has almost if not 400 hp then the v8 has like 420+ or something with the 5.0 and the v6 has a 4.6 I beleve.

Not saying garms car blows, I'd honestly rather have a Yaris that fast over a mustang even though a modded mustang would do alot more. A Yaris with tons of power with its lightness size and handling would massacre any mustang.

djct_watt

11-16-2010, 02:43 AM

Lol on his videos he dragged with a yellow 2nd last gen one. It was a convertible aswell I think. Those might not have as much horsepower unmodded, a v6 with the new genre of engines has almost if not 400 hp then the v8 has like 420+ or something with the 5.0 and the v6 has a 4.6 I beleve.

Not saying garms car blows, I'd honestly rather have a Yaris that fast over a mustang even though a modded mustang would do alot more. A Yaris with tons of power with its lightness size and handling would massacre any mustang.

A base Ford Mustang V6 has almost 400HP? I'm sorry but this thread is full of FAIL. Even a MUSTANG FORUM would be laughing AT YOU right now. That number is SO FAR OFF, it's beyond funny.

I actually like the Mustang. But 400HP on a stock V6, HA! How about you go to Ford.com and look it up yourself.
3.7L V6 @305HP
5.0L V8 @402HP