TYM vs Yanmar

[CloverKnollFarms]

Torvy, I'm convinced I've paid less for cars than if I had financed them.

When I bought the 99 Subaru Outback (new) I went in Monday with the check and was told Sergei doesn't work here any more. I hadn't realized I beat him up that bad! He must have been desperate to make a sale, any sale.

And the car had been sabotaged. A different dealer discovered the horn, turn signals etc fuses had been removed between my test drive and taking possession. Maybe I PO'd the finance guy too.

Yeah I'm cheap, when we're talking $thousands.

Still have the car. It hasn't given me any reason to replace it.

We 100% paid less for things due to not financing.

Hell, I still drive a 2007, that we paid $8k for, 6 years ago. I'll probably drive it another 5 years. With large cash purchases, comes pain that I don't feel with a monthly payment. It has caused much more restraint.

 

[Torvy]

I got some good deals. Being on the inside, I knew what to do. In one case, our sales manager contacted the dealership for me. My wife was going to look at a used Sienna (4 kids). They treated her like a princess. All they did with the "add-ons" was hand us the catalog in case we wanted something. Zero pressure.

Most of my loans for cars have been 0% (at least since I was 30 or so). Trust me, with most deals, they will cut more off if you use their financing.

I don't know why cars and the like are unique in the US. We don't really negotiate prices on most other things. I suppose it matters more on big-ticket items.

 

[Torvy]

Yeah, I'm aware of the 72t... But not a fan of 12 years of it.

We don't NEED it now...
But when I can finally tap my retirement, I'll actually feel like all those years were worth it. Right now I still feel like I'm waiting to retire in a sense

For her it was only 5 years (the least you can do). As it turns out, our modest investments are making more than we spend. Even the recent variations haven't had a substantive long-term difference.

I'm sure your higher lifetime income has set you up even better.

 

[CloverKnollFarms]

For her it was only 5 years (the least you can do). As it turns out, our modest investments are making more than we spend. Even the recent variations haven't had a substantive long-term difference.

I'm sure your higher lifetime income has set you up even better.

We were blessed with my career, for sure.

 

[Torvy]

We were blessed with my career, for sure.

Risk-reward. I had very little chance of dying on the job.

 

[CloverKnollFarms]

Risk-reward. I had very little chance of dying on the job.

Well, to be fair, you had more chance of dying driving to work, than I did spending a week in a plane

 

[Texasmark]

Neighbor has a 45 hp with cab and has problems with his TYM.
Yanmar was the first small overseas manufactured tractor sold in the N. Dallas area back in the '60's. Yanmar engines are in JD and lots of other makes.....my LS has a Yanmar engine.....bullet proof.

 

[Shawn T. W.]

Usually with the 0% finance "carrot" ... Comes the "big stick" requirements to carry loss/damage insurance on the tractor, same as cars ... Which raises the overall cost of the purchase.

I'm debt free, If I want something and I don't have the money for it, I just keep saving until I do.

 

[CloverKnollFarms]

Usually with the 0% finance "carrot" ... Comes the "big stick" requirements to carry loss/damage insurance on the tractor, same as cars ... Which raises the overall cost of the purchase.

I'm debt free, If I want something and I don't have the money for it, I just keep saving until I do.

Same.

Makes net worth calculations easier