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Author Topic:   Do you own your Prowler (s)???
PROWLEN

Prowler Junkie

From:Wa. USA
Registered: Dec 2000
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posted 04-23-2001 08:30 PM     Click Here to See the Profile for PROWLEN     send a private message to PROWLEN   Edit/Delete Message   Reply w/Quote   Search for more posts by PROWLEN
Just wondering how many Cat owners actually own your car(s)outright or have them financed?

I took a six year loan out on mine. $23k and five more years to go! Then it's really mine!

Might make a good poll question?

Blue collar, but living large.... John

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Prowl-On...

PROWLEN.... John (-:

CJ




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Prowler Junkie
Personal ScrapBook

From:Rochester Hills, MI USA
Registered: Jul 2000
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posted 04-23-2001 08:39 PM     Click Here to See the Profile for CJ     send a private message to CJ   Edit/Delete Message   Reply w/Quote   Search for more posts by CJ
My husband gave me my Prowler for an anniversary (supposed to be 30th but ended up 32nd!!). And, yes, it is paid for.

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CJ - 1999 Black
Stock / Classic / Beautiful

SasyMama

Prowler Junkie

From:Lambertville, Mi, Monroe
Registered: Mar 2001
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posted 04-23-2001 08:43 PM     Click Here to See the Profile for SasyMama     send a private message to SasyMama   Edit/Delete Message   Reply w/Quote   Search for more posts by SasyMama
Paid For in Full. I don't believe in financing toys.
2001 Black Tie #46
'Being Sasy'

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tangled up in BLUE


POA Site Supporter
Prowler Junkie

From:New Castle, Ind
Registered: Dec 2000
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posted 04-23-2001 08:55 PM     Click Here to See the Profile for tangled up in BLUE     send a private message to tangled up in BLUE   Edit/Delete Message   Reply w/Quote   Search for more posts by tangled up in BLUE
Have been very fortunate(lucky?) thru the years...all my cars are paid for, no loans, no payments etc...

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X-Black 99
X-Silver Bullet
X-Black 2000
X-Y2K YELO X 4

Scot Stern


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Prowler Junkie

From:Escondido, CA
Registered: Mar 2001
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posted 04-23-2001 08:59 PM     Click Here to See the Profile for Scot Stern     send a private message to Scot Stern   Edit/Delete Message   Reply w/Quote   Search for more posts by Scot Stern
Like CJ mine is paid for as are my other toys. My Dad always said if it is a toy and you can't pay for it don't buy it. Easy to say but hard to do. In any case, it has worked for me over the years.

Scot

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2001 Silver Prowler
Mud Flaps Front & Rear
Shimmers
Chrysler Cover
1993 Allante
1981 Delorean
'79 Limited Edition &'75 75 Year Anniversary MGB's
1998 & 1986 Corvette's

Todd Cameron
unregistered

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posted 04-23-2001 09:01 PM           send a private message to Scot Stern   Edit/Delete Message   Reply w/Quote   Search for more posts by Todd Cameron
all of my cars are financed... 3 Prowlers and 3 Vans... I've bought vehicles outright in the past and loose a lot of $ that way.

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2000 Black, 2001 Black Tie, 2001 Orange

tangled up in BLUE


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Prowler Junkie

From:New Castle, Ind
Registered: Dec 2000
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posted 04-23-2001 09:10 PM     Click Here to See the Profile for tangled up in BLUE     send a private message to tangled up in BLUE   Edit/Delete Message   Reply w/Quote   Search for more posts by tangled up in BLUE
CJ....your post reminded me of a funny story....a couple of years ago I sold my wifes Sebring Conv.(she didn't know it) and bought her a Prowler for Christmas '98...it was a Black 99...well, on Christmas eve I took her across town to show her the car....well, she was NOT IMPRESSED !!! Her first words were "It's wintertime and you get me a car I can't drive anywhere for months ??? " The car was not a hit to say the least...I ended up driving it for about 9 mos and sold it....then I bought another Prowler and so on...but she HATED that car...I own quite a few different businesses and a couple of them are auto rental stores....I fixed her up with a rental car that winter and that spring bought her a Corvette....

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X-Black 99
X-Silver Bullet
X-Black 2000
X-Y2K YELO X 4

Gary C


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From:San Diego Area
Registered: Jul 2000
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posted 04-23-2001 09:13 PM     Click Here to See the Profile for Gary C     send a private message to Gary C   Edit/Delete Message   Reply w/Quote   Search for more posts by Gary C
Never have financed a car, truck, home or toy.

But there is always the first time.

Alex

POA Site Supporter
Prowler Junkie

From:Westminster, CO USA
Registered: Apr 2001
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posted 04-23-2001 09:53 PM     Click Here to See the Profile for Alex     send a private message to Alex   Edit/Delete Message   Reply w/Quote   Search for more posts by Alex
I wrote one check for mine. I don't like to finance vehicles. All our 3 vehicles are paid for. I feel very fortunate being in a position where this is possible.
Alex

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2001 Orange Kat

This message has been edited by Alex on 04-23-2001 at 09:55 PM

cnote6




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From:Dallas, TX
Registered: Nov 2000
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posted 04-23-2001 10:21 PM     Click Here to See the Profile for cnote6     send a private message to cnote6   Edit/Delete Message   Reply w/Quote   Search for more posts by cnote6
I love it!!! Paid for.

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TGF spolier, bumper kit,Hardtop
Real Rod exhaust & Mopar exhaust
2000 Black bumpers & Chrome shimmers
carlini trans cover & brake lines
Chromed front & rear of Kat & front end protectors
Chrome 2000 shifter,Purple neon underneath
Dunlop SP 9000's

cwatsonjr
unregistered
Personal ScrapBook
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posted 04-23-2001 10:42 PM           send a private message to cnote6   Edit/Delete Message   Reply w/Quote   Search for more posts by cwatsonjr
Yes, we own it - it took a long time but we did it!

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Cliff Watson

onaprwl


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Prowler Junkie

From:covington,louisiana,U.S.A.
Registered: Nov 2000
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posted 04-24-2001 12:45 AM     Click Here to See the Profile for onaprwl     send a private message to onaprwl   Edit/Delete Message   Reply w/Quote   Search for more posts by onaprwl
Owe on to many other toys. This ones paid for.

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IRISH

Prowler Enthusiast

From:Warren, PA USA
Registered: Apr 2001
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posted 04-24-2001 06:10 AM     Click Here to See the Profile for IRISH     send a private message to IRISH   Edit/Delete Message   Reply w/Quote   Search for more posts by IRISH
I paid for it the day I pick it up, I pay cash for my toys.
Nelson Weber

Prowler Junkie
Personal ScrapBook

From:High Ridge, Mo USA
Registered: Sep 2000
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posted 04-24-2001 07:06 AM     Click Here to See the Profile for Nelson Weber     send a private message to Nelson Weber   Edit/Delete Message   Reply w/Quote   Search for more posts by Nelson Weber
Paid for. Only financed one vehicle in my life and that was in 1964. We've worked very hard, and are fortunate.
Andy R


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Prowler Junkie

From:Cincinnati, OH
Registered: Jan 2001
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posted 04-24-2001 08:16 AM     Click Here to See the Profile for Andy R     send a private message to Andy R   Edit/Delete Message   Reply w/Quote   Search for more posts by Andy R
There's no substitute for hard workin' and a check at the dealership. She's all ours.

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Black '99

KenG


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Prowler Junkie

From:West Chester, Oh
Registered: Jan 2001
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posted 04-24-2001 08:26 AM     Click Here to See the Profile for KenG     send a private message to KenG   Edit/Delete Message   Reply w/Quote   Search for more posts by KenG
Wrote a check for mine too....clear title! Every other car I oun I lease for business purposes (2001 Excursion, 2000 Expedition, 1998 New Beetle). I was alway told you purchase appreciating assests and lease depreciating assests ! The Prowler is another story

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Ken Gensheimer
1999 Yellow
Plate: 1 HOT KAT
Coordinated Bumpers
Prowler Pro Gears (awesome)
Ceramic Pads
MAC Air Intake
Lollypop Red Shimmers
Real Rod front plate holder
Chrome license plate bracket (rear)
Can NOS be far behind?

ETMIDZT


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Prowler Junkie

From:Spring Lake, Mi. USA
Registered: Jul 2000
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posted 04-24-2001 08:34 AM     Click Here to See the Profile for ETMIDZT     send a private message to ETMIDZT   Edit/Delete Message   Reply w/Quote   Search for more posts by ETMIDZT
Paid cash on the barrel head! All MINE!
WPG
Prowler Junkie

From:Orlando, Florida
Registered: Aug 2000
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posted 04-24-2001 09:16 AM     Click Here to See the Profile for WPG     send a private message to WPG   Edit/Delete Message   Reply w/Quote   Search for more posts by WPG
I guess I think differently when it comes to things like this. I financed my Prowler with no down payment except for the equity of the in-and-out trade-in deal I arranged. When I purchased the Prowler, I simply walked in with a check from the bank and a check for my equity and was on the road five minutes later. By far the easiest and most hassle-free car purchase I have made.

My thinking on this is that I financed the Prowler at around 7% (+/- 1%). I had no cash outlay except for the equity of the trade-in. I drove off with the car with no money out of my pocket and in turn had +$40,000 cash-in-hand to invest as I wished. As long as I am getting a return of more than 7% on my investment, I am then making money off of the money that would have gone to paying cash for the Prowler. As long as I am able to make more than the 7% interest, I am doing the equivilant of paying cash for the vehicle, and if it goes over 7%, I am making money and still have a Prowler in the driveway.

Someone, please correct me if this doesn't sound right, but it works for me. I use a similar strategy to get my credit cards to pay me to use their services.

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Bill Gallagher
www.magictouchdesigns.com

vipers95
Prowler Newbie

From:Mahanoy city Pa.
Registered: Apr 2001
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posted 04-24-2001 09:22 AM     Click Here to See the Profile for vipers95     send a private message to vipers95   Edit/Delete Message   Reply w/Quote   Search for more posts by vipers95
HI ALL CASH PAYING PEOPLE:

WE here at the IRS would like your SS# and address. We would like to pay you all a visit...
butchcee


POA Site Supporter
Prowler Junkie

From:Lake Ariel, Pa.
Registered: Sep 2000
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posted 04-24-2001 09:37 AM     Click Here to See the Profile for butchcee     send a private message to butchcee   Edit/Delete Message   Reply w/Quote   Search for more posts by butchcee
PAID IN FULL!!!

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Yellow is DCOOLEST

cwatsonjr
unregistered

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posted 04-24-2001 10:07 AM           send a private message to butchcee   Edit/Delete Message   Reply w/Quote   Search for more posts by cwatsonjr
Dear IRS:

You have our SS# and Address - you just sent me 6K!

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Cliff Watson

Todd Cameron
unregistered

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posted 04-24-2001 10:21 AM           send a private message to butchcee   Edit/Delete Message   Reply w/Quote   Search for more posts by Todd Cameron
Bill... my thoughts exactly... making more then the car interest with that money is easily done... when it is all over, you have a free Prowler.

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2000 Black, 2001 Black Tie, 2001 Orange

ben
Prowler Junkie

From:Bradenton, FL
Registered: Feb 2001
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posted 04-24-2001 10:29 AM     Click Here to See the Profile for ben     send a private message to ben   Edit/Delete Message   Reply w/Quote   Search for more posts by ben
Bill,

Try 13% if the loan is 7%... If you get 13% on an investment, and it's considered short term capital gains then the PROFITS are taxed at 44%. If you hold the investment for over 12 months and one day then it's taxed at the income level of 26%.........

So if you figure keeping your investment for over 12 months, you need to get a return of about 9-11% (lazy to do the math ;-))

Hope this helps in some regards...

-Ben

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Ben Evans
2000 Silver Prowler

WPG
Prowler Junkie

From:Orlando, Florida
Registered: Aug 2000
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posted 04-24-2001 11:16 AM     Click Here to See the Profile for WPG     send a private message to WPG   Edit/Delete Message   Reply w/Quote   Search for more posts by WPG
Ben, thanks for the insight. I was using my own fuzzy math and guestimating the numbers myself. I was basing it on about 7% interest on the 5-year loan with an average 5 year return of 15% per year from investing.

The benefit I see is I get the car and have the cash in hand, with the ability to make money off of it. If I paid cash for the car, I woudl leave with the car and no cash in hand. Personally, I prefer to have both. I am going to do the same when I buy my house: Put no money down (or as little as possible), gang the principle payments, and pay the thirty-year mortgage off in less than 15 years. This way I have a Prowler in the driveway of my new home with cash in hand. Works for me.

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Bill Gallagher
www.magictouchdesigns.com

ben
Prowler Junkie

From:Bradenton, FL
Registered: Feb 2001
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posted 04-24-2001 02:45 PM     Click Here to See the Profile for ben     send a private message to ben   Edit/Delete Message   Reply w/Quote   Search for more posts by ben
Yup! I strongly agree with not paying for a vehicle with cash. You lose your $ right off the bat. Just be sure you don't miss a payment and you're golden.

-Ben

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Ben Evans
2000 Silver Prowler


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