Lower than that honestly. 129-149 for most these days.

Reading Tavarish's posts, I don't get "responsible" at all. I get more of the theme of someone who maxed out his credit cards in his early 20s, took out a huge loan on a new car and had to default or firesale everything he had, trashed his credit and now can't get approved for anything. He's forced to be "responsible"…

Seems win-win to me. What's the problem?

Damn, as soon as I made my post I scroll down and see yours. Spot on.

Why would you want to own the civic forever? Honest question. It's a terrible, boring dull as dishwater commuter.

Good luck with that. Unless your last name is on the sign outside the building, I'd say that's some wide eyed optimism.

And the person before you got to drive it brand new for three years for 2/5 the monthly payments of buying it outright, enjoyed a brand new car, and got out of it scot-free before the free maintenance wore off. What's the problem?

You know what I say when someone tells me about a car they're looking to buy, lease, whatever?

If you haven't noticed by now, pretty much anything Tavarish writes completely disregards time value, maintenance and upkeep.

So your time is essentially worthless? Good to know, I need someone to paint my external garage for me, what's your #?

It's 2015, who plans on staying with a company for an extended period of time? Honest question.

Bingo. I've seen similar incentive leases like that on those as well. At that point, you're hard pressed to even recommend purchasing a used car to someone in the situation where they need a cheap econobox like that. You're not going to get a favorable rate on a 6-8k loan, and blowing out that much liquid cash is…

Once again, as he generally does with all these articles, Tavarish shows his ignorance by using the term "investment".

Bingo. Selling cars sucks, pure and simple. Private party sales are a ridiculous pain in the ass, made 100x worse by all the craigslist methheads, PWT and wannabe negotiators/hagglers you get to deal with. The prospect of stopping at the dealership, handing them the keys and saying "see ya" is a nice incentive.

This is a very child like, simple-minded approach to anything. You're assuming that people see cars as some sort of investment ,which they clearly aren't, and not the fun toy and luxury that they are.

So, by your logic, take on a higher mortgage payment and obligation to save on a car payment?

Without knowing the terms, buyout, residual, market, etc, your question is pretty much pointless.

It's Tavarish's fantasy land. The dude has no clue.

Amen.

Tavarish really needs to stick to losing money on decade old GM shitboxes. This was painful to read.