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Old 09-08-2014, 05:13 PM   #1
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It's only $XXX per month!

It is interesting when rv salesmen are pushing terms before the features of the coach. I was looking at a nice type A gas motorhome and the salesman is telling me that they are sacrificing all the 2014 models like this coach and the sale price is only XXX, XXX or $$$ per month. So I said what does that intale? Reply was 10% down or trade and 240 payments with approved credit. PAUSE Gulp Then I said 240 payments is 20 years. At my age of 70, I politely declined being 90 and making payments or even pushing a large coach down the road at that age. Salesman replied people do it all the time, and if they pass before 240 payments, just let finance company come and get it! I thought it was best to exit at that time. lol
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Old 09-08-2014, 05:39 PM   #2
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Salesman replied people do it all the time, and if they pass before 240 payments, just let finance company come and get it! I thought it was best to exit at that time. lol
Mrfoto
It's refreshing to hear about a salesman with scruples! ...(so many are dishonest and will say anything to make a sale).

Mel
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Old 09-08-2014, 05:59 PM   #3
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Might not make the last payment!

I'm not too far behind you, Mrfoto. I'm 66 and only 226 payments to go. I'm enjoying the coach, and not worrying about the last payment ...
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Old 09-08-2014, 06:49 PM   #4
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I'll bet even "sacrificing all the 2014's" still means they'll make a heck of a profit.

Our Bounder is paid for, but if I go into hock for another coach someday, I'm with NukeRef, let the finance company take the balance out of my estate.

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Old 09-08-2014, 07:47 PM   #5
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Frank is 66 and we are looking for our last upgrade. If we aren't here for the 200th payment, I don't think we will be worried about it. Life is too short to worry about what ifs. We intend to get out and enjoy ourselves as long as we can.
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Old 09-08-2014, 07:57 PM   #6
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How does that old song go... " for a dollar down and a dollar a week , you can get all the things you seek ".

North of the border , they'd want the sticks & bricks as collateral and; I haven't financed anything for a while; but I think they limit RV's to 10 years at extended term personal loan rates, and interest isn't deductible.
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Old 09-08-2014, 07:58 PM   #7
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Quote:
Originally Posted by Mrfoto View Post
It is interesting when rv salesmen are pushing terms before the features of the coach. I was looking at a nice type A gas motorhome and the salesman is telling me that they are sacrificing all the 2014 models like this coach and the sale price is only XXX, XXX or $$$ per month. So I said what does that intale? Reply was 10% down or trade and 240 payments with approved credit. PAUSE Gulp Then I said 240 payments is 20 years. At my age of 70, I politely declined being 90 and making payments or even pushing a large coach down the road at that age. Salesman replied people do it all the time, and if they pass before 240 payments, just let finance company come and get it! I thought it was best to exit at that time. lol
Quote:
Originally Posted by NukeRef View Post
I'm not too far behind you, Mrfoto. I'm 66 and only 226 payments to go. I'm enjoying the coach, and not worrying about the last payment ...
Quote:
Originally Posted by NLOVNIT View Post
I'll bet even "sacrificing all the 2014's" still means they'll make a heck of a profit.

Our Bounder is paid for, but if I go into hock for another coach someday, I'm with NukeRef, let the finance company take the balance out of my estate.

Lori-
Quote:
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Frank is 66 and we are looking for our last upgrade. If we aren't here for the 200th payment, I don't think we will be worried about it. Life is too short to worry about what ifs. We intend to get out and enjoy ourselves as long as we can.
And just be onery enough to make the last payment in cash. Have them come to the door to get it.
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Old 09-08-2014, 08:30 PM   #8
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We have figured if we pass before it is paid off it would be less for our nieces/nephews to inherit. We are trying our best to spend it all. It is not like we care what it does to our credit score.
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Old 09-08-2014, 08:33 PM   #9
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Our estate planner said you should end your will with 5 words:

"Sorry I spent it all!"
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Old 09-08-2014, 08:37 PM   #10
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Our estate planner said you should end your will with 5 words:

"Sorry I spent it all!"

And , that's the truth; except for the " Sorry " part.
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Old 09-08-2014, 08:39 PM   #11
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The bank attached a little life insurance policy to my loan.
But I'm very sure I will outlive the loan.


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Old 09-08-2014, 08:41 PM   #12
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I am 76 and looking at a new one. Have no fear - the estate will pay it off. Don't forget - our main job in retirement is to stimulate the economy. Be a good citizen and buy things.
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Old 09-08-2014, 08:49 PM   #13
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We never know what life, or death, has in store for us. Don't let the payments keep you from doing what you want.

I'm trying my best to have my life expectancy & my portfolio stop at the same time.

Lori-
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Old 09-09-2014, 06:32 AM   #14
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Our estate planner said you should end your will with 5 words:

"Sorry I spent it all!"
One prospective estate planner/financial analyst told me that and I got up and walked out of his office.
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