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09-08-2014, 04:13 PM
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#1
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Senior Member
Winnebago Owners Club
Join Date: Aug 2012
Location: Chester, VA
Posts: 246
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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
__________________
Paul & Carol plus 2 Bichons
2015 Winnebago Sightseer 35G, Blue Ox Tiger TracBar, 5 Star tune, Safe-t-plus steering
2008 HHR Toad & Working hard at retirement 
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09-08-2014, 04:39 PM
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#2
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Registered User
Join Date: Mar 2010
Posts: 8,777
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Quote:
Originally Posted by Mrfoto
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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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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09-08-2014, 04:59 PM
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#3
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Senior Member
Winnebago Owners Club
Join Date: Aug 2012
Location: Horse Country, FL
Posts: 169
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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 ...
__________________
Thom
2012 Itasca Meridian 36M
2012 Jeep Wrangler
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09-08-2014, 05:49 PM
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#4
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Community Administrator
Pond Piggies Club LA Gulf Coast Campers Outdoors RV Owners Club Entegra Owners Club Skyline Owners Group
Join Date: Mar 2002
Posts: 39,194
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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.
Lori-
__________________
Lori (& Dave, my spirit guide) - FMCA #F419886 | RV/MH Hall of Fame Lifetime Member
2016 Phoenix Cruiser 2350S & 2014 CRV EX-L AWD, My iRV2 Photo Albums
2018 Phaeton 40IH,2006 Bounder 36Z, 2004 Cougar 285EFS, 2000 Aerolite 25FBR
There is great need for a sarcasm font. 
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09-08-2014, 06:47 PM
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#5
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Senior Member
Winnebago Owners Club Appalachian Campers Coastal Campers Carolina Campers
Join Date: Jul 2011
Location: North Carolina
Posts: 2,828
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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.
__________________
Brenda and Frank, FTers, Zebulon, NC
Raisin our mixed hound and BooBoo our cat.
2004 Itasca Suncruiser 
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09-08-2014, 06:57 PM
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#6
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Senior Member
Join Date: Apr 2011
Location: Powell River, B.C.
Posts: 30,396
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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.
__________________
99DSDP 3884, Freightliner, XC, CAT 3126B, 300 HP /ALLISON 3060
2000 Caravan toad, Remco & Blue Ox.
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09-08-2014, 06:58 PM
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#7
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Senior Member
Winnebago Owners Club
Join Date: Mar 2014
Posts: 14,802
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Quote:
Originally Posted by Mrfoto
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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Quote:
Originally Posted by NukeRef
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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Quote:
Originally Posted by NLOVNIT
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:
Originally Posted by bsirby
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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And just be onery enough to make the last payment in cash. Have them come to the door to get it.
__________________
Gordon and Janet
Tour 42QD/InTech Stacker
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09-08-2014, 07:30 PM
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#8
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Senior Member
Join Date: Feb 2012
Location: Bella Vista, Arkansas
Posts: 5,261
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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.
__________________
Raymond, Dee Dee and Sophie (Yorkie)
2023 Chevrolet 2500HD LT 4X4
2023 Forest River Vibe 26RB
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09-08-2014, 07:33 PM
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#9
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Senior Member
Winnebago Owners Club
Join Date: Mar 2014
Posts: 14,802
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Our estate planner said you should end your will with 5 words:
"Sorry I spent it all!"
__________________
Gordon and Janet
Tour 42QD/InTech Stacker
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09-08-2014, 07:37 PM
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#10
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Senior Member
Join Date: Apr 2011
Location: Powell River, B.C.
Posts: 30,396
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Quote:
Originally Posted by Gordon Dewald
Our estate planner said you should end your will with 5 words:
"Sorry I spent it all!"
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And , that's the truth; except for the " Sorry " part.
__________________
99DSDP 3884, Freightliner, XC, CAT 3126B, 300 HP /ALLISON 3060
2000 Caravan toad, Remco & Blue Ox.
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09-08-2014, 07:39 PM
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#11
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Senior Member
Forest River Owners Club Ford Super Duty Owner
Join Date: Apr 2011
Posts: 860
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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.
2010 Coachmen Freelander 30Qb
E450 Ford V10
__________________
2010 Coachmen Freelander 30QB E450 V10
Have Kids Will Travel
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09-08-2014, 07:41 PM
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#12
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Senior Member
Ford Super Duty Owner
Join Date: May 2010
Location: Chasing 70 degrees in lower 48
Posts: 2,031
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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.
__________________
Suzie & Chuck USNR USAF USCGA Challenger Owners Club 2015 37KT Challenger, Demco Commander tow bar, Ready Brake, Sewer Solutions, Safe-T-Plus 41-230, 5-Star tune, towing 2017 Ford Edge FWD 3.6L V-6 four down & 385 FastTrack kayak in the basement.
Summer - Creede, CO Winter - Okeechobee, FL
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09-08-2014, 07:49 PM
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#13
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Community Administrator
Pond Piggies Club LA Gulf Coast Campers Outdoors RV Owners Club Entegra Owners Club Skyline Owners Group
Join Date: Mar 2002
Posts: 39,194
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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-
__________________
Lori (& Dave, my spirit guide) - FMCA #F419886 | RV/MH Hall of Fame Lifetime Member
2016 Phoenix Cruiser 2350S & 2014 CRV EX-L AWD, My iRV2 Photo Albums
2018 Phaeton 40IH,2006 Bounder 36Z, 2004 Cougar 285EFS, 2000 Aerolite 25FBR
There is great need for a sarcasm font.
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09-09-2014, 05:32 AM
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#14
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Senior Member
American Coach Owners Club
Join Date: Feb 2012
Location: Lakeland. Florida
Posts: 340
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Quote:
Originally Posted by Gordon Dewald
Our estate planner said you should end your will with 5 words:
"Sorry I spent it all!"
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One prospective estate planner/financial analyst told me that and I got up and walked out of his office.
__________________
1998 American Eagle
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