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Post by angusrancher on Sept 10, 2019 18:09:08 GMT -6
Anybody take advantage of these on vehicle purchases? On a new GMC, you can qualify for a $7000 discount for being a member and receiving a cooperative patronage dividend. The coop just has to email proof to the dealer. Don't know the other manufacturers guidelines.
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Post by chuckie on Sept 12, 2019 8:56:33 GMT -6
I saw an advertisement on line for a new GMC 3/4 ton truck, with all the bells and whistles for $89,000. In Tennessee you can buy a house for that. I am seeing so many young people that are still in the frame of mind that their ride is what makes them. The $7,000 off the sticker price would still be more than I would sink on a new vehicle. I have always bought used trucks and had really good luck.
I am sure that some of the truckload deals they advertise do have some good deals, but I have never shopped one before.
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Post by angusrancher on Sept 12, 2019 19:41:20 GMT -6
I saw an advertisement on line for a new GMC 3/4 ton truck, with all the bells and whistles for $89,000. In Tennessee you can buy a house for that. I am seeing so many young people that are still in the frame of mind that their ride is what makes them. The $7,000 off the sticker price would still be more than I would sink on a new vehicle. I have always bought used trucks and had really good luck. I am sure that some of the truckload deals they advertise do have some good deals, but I have never shopped one before. Anything to make "Grandma" happy, and she's sure worth a new half ton fresh off the transport. We're a hell of a long ways from most things, traveling through reservations, shitty weather, etc.... and some looooong road trips by herself. We'll get a lot of good out of a new one soon enough and pass it down to somebody else on our outfit. Don't need somebody elses problems. The fleet deal also increases the factory warranty. |
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Post by chuckie on Sept 13, 2019 11:02:51 GMT -6
I purchased a 1996 Toyota Tacoma in 1996. It had 19,000 miles on it. Now it has around 135,000 miles. I have had to replace a throw out bearing on the truck, other than that, it is always dependable. There are so many people that have to have a new vehicle all the time, and they get rid of good trucks. I am afraid that is where I will always shop. My husband told me that the $89,000 truck was used. Good grief!!
Thank goodness for the people that will buy a new vehicle so that I will have a used inventory to pick from. Everyone has limits on things. If a new truck makes you happy, and you can afford it, then get it. I just can't take that much out of an account as I have put it back for the future. And something is always going to happen. I owe no payments on anything, other than monthly utility bills, etc... This is where my mind rests. The what if's at times keeps me from having as much fun as I want.
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Post by angusrancher on Sept 13, 2019 15:51:19 GMT -6
I purchased a 1996 Toyota Tacoma in 1996. It had 19,000 miles on it. Now it has around 135,000 miles. I have had to replace a throw out bearing on the truck, other than that, it is always dependable. There are so many people that have to have a new vehicle all the time, and they get rid of good trucks. I am afraid that is where I will always shop. My husband told me that the $89,000 truck was used. Good grief!! Thank goodness for the people that will buy a new vehicle so that I will have a used inventory to pick from. Everyone has limits on things. If a new truck makes you happy, and you can afford it, then get it. I just can't take that much out of an account as I have put it back for the future. And something is always going to happen. I owe no payments on anything, other than monthly utility bills, etc... This is where my mind rests. The what if's at times keeps me from having as much fun as I want. What you put on for miles in 22 or 23 years.....we'll do in ~3. That doesn't count the other vehicles running around here in varying degrees of good to beat to shit, mostly for work and workers. |
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Post by chuckie on Sept 13, 2019 16:05:23 GMT -6
I am always riding with my husband in the ton truck or his pick up when we are feeding cattle. There are weeks that my truck never leaves the garage. When I do, I may go for a doctor's appointment or a haircut. The trip to Co-op is a 16 round mile trip. So I feel that this truck will last me the rest of my life. It is a 5 speed, and I hope as I get very old that I will still be able to shift it without letting it roll backwards on someone at a 4 way stop. There is a man down the road that is 90 years old that gets around really well. He swings in and out of his Polaris and walks like a young man. Often I see him driving back and forth to town. He is such a great man. If I make it that long, I hope I can follow in his tracks.
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Post by dave on Sept 13, 2019 20:34:15 GMT -6
I purchased a 1996 Toyota Tacoma in 1996. It had 19,000 miles on it. Now it has around 135,000 miles. I have had to replace a throw out bearing on the truck, other than that, it is always dependable. There are so many people that have to have a new vehicle all the time, and they get rid of good trucks. I am afraid that is where I will always shop. My husband told me that the $89,000 truck was used. Good grief!! Thank goodness for the people that will buy a new vehicle so that I will have a used inventory to pick from. Everyone has limits on things. If a new truck makes you happy, and you can afford it, then get it. I just can't take that much out of an account as I have put it back for the future. And something is always going to happen. I owe no payments on anything, other than monthly utility bills, etc... This is where my mind rests. The what if's at times keeps me from having as much fun as I want. What you put on for miles in 22 or 23 years.....we'll do in ~3. That doesn't count the other vehicles running around here in varying degrees of good to beat to shit, mostly for work and workers. You beat me to it. That is just over 5,000 miles a year. I have a little gas mileage car that I bought new on Mother's Day 2008. It has 258,000 miles on it. That doesn't count the miles I put on the pick up. But it is 30 miles one way to anything and everything except the post office which is only 4.5 miles one way. |
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Post by highgrit on Sept 13, 2019 21:06:57 GMT -6
A truck payment for $70k, at 6% is $1,100.00+ per month for 6 years. I just can't see me buying another new diesel truck....I hate being taken advantage of.
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Post by tcranch on Sept 14, 2019 6:18:19 GMT -6
A truck payment for $70k, at 6% is $1,100.00+ per month for 6 years. I just can't see me buying another new diesel truck....I hate being taken advantage of. Or you can pay cash - and you're only yielding .55% in your money market account. |
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Post by chuckie on Sept 14, 2019 9:26:41 GMT -6
Once I put it back into retirement funds, I just cannot pull it out for a new ride. I used to buy land and some rental property, but I am finding that there are no young people that I am related to that feel importance in the land. I am sure they are waiting for me to croak so they can sell it, get a brand new truck, a new four wheeler and a new John Deere Gator. Since I have no children, I will be careful to who I choose the land goes to. I might not even be related to that person.
Now I hate rental property. People do not take care of the house and it is a constant surprise to what will go wrong. I really do hate money surprises.
It doesn't take much to go through all you own buying new things. I feel I am being taken advantage of also high grit. If I get on line and do a lot of research, I can find what things went wrong often with certain models of vehicles. Now that they show service records. you can see what they might keep going back to the shop to get correct. I was looking at a certain model of Toyota, because I was bored, and it showed that the truck could not hold alignment in the front end and people were going through the tires. When I did a search on the vehicles, I could find where they had the truck in and out of the shop for front end alignments. So I know to stay away from that certain model. I was not going to buy one, but often when I look at something on line long enough, it is almost like I owned it, and I get it out of my system.
I have a four cylinder 4WD that gets 20 mpg, and I am real happy with that.
I was put on disablility from a bad head injury, and it put me in a spot where I felt vulnerable. I am not 65 yet, and I could have had so many more years to add to my savings. I am not broke, but I am not rich either. I did sock a lot of money into retirement and got my house paid off in 10 years. But my plans were to really sock more back after I got the house paid off. So, I will always spend on the lower end of things. Just as tractors. We have enough older tractors that run well. I do admire those newer tractors that have heat and air-conditioning. My husband has a cab tractor at the bigger farm, but what I take care of here, it is an open 3020. I do love my tractor. Except when the weather is rainy in the winter putting out hay.
We all have priorities for different reasons. I suppose not having control of my life like I planned makes me be more tight fisted. Being injured was the last thing that I thought would ever happen to me. I was going to work forever.
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Post by highgrit on Sept 14, 2019 13:09:22 GMT -6
Once I put it back into retirement funds, I just cannot pull it out for a new ride. I used to buy land and some rental property, but I am finding that there are no young people that I am related to that feel importance in the land. I am sure they are waiting for me to croak so they can sell it, get a brand new truck, a new four wheeler and a new John Deere Gator. Since I have no children, I will be careful to who I choose the land goes to. I might not even be related to that person. Now I hate rental property. People do not take care of the house and it is a constant surprise to what will go wrong. I really do hate money surprises. It doesn't take much to go through all you own buying new things. I feel I am being taken advantage of also high grit. If I get on line and do a lot of research, I can find what things went wrong often with certain models of vehicles. Now that they show service records. you can see what they might keep going back to the shop to get correct. I was looking at a certain model of Toyota, because I was bored, and it showed that the truck could not hold alignment in the front end and people were going through the tires. When I did a search on the vehicles, I could find where they had the truck in and out of the shop for front end alignments. So I know to stay away from that certain model. I was not going to buy one, but often when I look at something on line long enough, it is almost like I owned it, and I get it out of my system. I have a four cylinder 4WD that gets 20 mpg, and I am real happy with that. I was put on disablility from a bad head injury, and it put me in a spot where I felt vulnerable. I am not 65 yet, and I could have had so many more years to add to my savings. I am not broke, but I am not rich either. I did sock a lot of money into retirement and got my house paid off in 10 years. But my plans were to really sock more back after I got the house paid off. So, I will always spend on the lower end of things. Just as tractors. We have enough older tractors that run well. I do admire those newer tractors that have heat and air-conditioning. My husband has a cab tractor at the bigger farm, but what I take care of here, it is an open 3020. I do love my tractor. Except when the weather is rainy in the winter putting out hay. We all have priorities for different reasons. I suppose not having control of my life like I planned makes me be more tight fisted. Being injured was the last thing that I thought would ever happen to me. I was going to work forever. My wife has laid claim to our 3020 as her tractor, it's a old console shift and sometimes I feel like I need 3 hands to operate it. |
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Post by cowrancher75 on Sept 16, 2019 4:42:23 GMT -6
i like my 20 yr old F250 with crank windows and a broken radio but i'll be looking through the floor boards here real soon.
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Post by chuckie on Sept 16, 2019 8:02:15 GMT -6
My husband's F-350 is a 1997 model. It now has close to 350,000 miles on it. His GMC 1500 is a 2002 model. All three of our trucks ride just fine and the air conditioners work well, which is the main thing here in Tennessee with the humidity almost reaching the same percentage as the temps.
It is funny how as we age, we want much less. We are thankful for what we have as long as it works.
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Post by 1982vett on Sept 16, 2019 9:01:28 GMT -6
I’m about wore out myself.... can’t see spending on stuff that is supposed to last longer than I might.
I understand my Dad in his whining years better now.
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Post by angusrancher on Sept 16, 2019 10:30:29 GMT -6
I've seen time and again how a married couple will do without and put as much money as they can away......and then one of them passes on, and the other gets remarried, and the new spouse buys everything the old spouse went without, and they do some awesome traveling.
We don't have land debt, and are operating on our own money. Nothing wrong with enjoying some of the fruits of your labor, too damn late when you're dead, and your predecessor is enjoying it.
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