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shrox
03-16-2013, 12:25 AM
I haven't had a car since September 2012, I have LW 9.6.1, and enough money for good down payment on a cheap car or an upgrade to LW 11. What should I do!!!!

nickdigital
03-16-2013, 12:30 AM
If you don't need the car I say don't get one. Car insurance, gas, maintenance... It gets old quick.

shrox
03-16-2013, 12:41 AM
If you don't need the car I say don't get one. Car insurance, gas, maintenance... It gets old quick.

I need the car, I can get insurance for $1 a day. I might even get a motorcycle, but I am missing out on 11!!!

DELTA DIGITAL
03-16-2013, 12:42 AM
Ride the bus... Definatly Lightwave 11.5

JonW
03-16-2013, 12:49 AM
I agree!

I think if one is tossing up between these 2, then one doesn't have enough funds for ongoing car expenses. I'm lucky & don't have to use the car & can walk for all regular needs. It still costs a lot every year just to keep a car registered. Save the money so you can buy the car outright with cash. Insurance & everything etc is cheaper.

Also if you are debating whether or not you need to upgrade LW, then I suggest that you really don't need to do this either!

Save the money for a few months till you can answer your own question.

geo_n
03-16-2013, 01:00 AM
women dig cars. women don't dig software geekiness. :D

DELTA DIGITAL
03-16-2013, 01:04 AM
But women are expencive...

Megalodon2.0
03-16-2013, 01:18 AM
women dig cars. women don't dig software geekiness. :D

I doubt women dig cars that have a downpayment of $695.

I think that the car will break down faster than LW11.5. :)

LW_Will
03-16-2013, 01:18 AM
My car is broke. It will be fixed by LW 11.5...

Think about it...

motivalex
03-16-2013, 01:36 AM
Your car will lose value very quickly. Lightwave 11.5 with its new feature opens up a lot more work opportunities, so you can earn more money and then buy a car. And while you are waiting, you can build car in Lightwave 11.5 with those nice new modeller tools.

BigHache
03-16-2013, 05:06 AM
Do you live in a city with a good, integrated public transportation system? If not, I would be hard pressed to recommend not getting a car. Today marks one week that I just got another car. My other broke in December. I lost 4 hours each day on the bus.

JonW has good points. It is expensive to keep a car. So unless you're sure you have money for tag, registration (which my state nearly doubled 2 years ago), payments if you're not outright buying, and saving for maintenance/repairs, it may not be worth starting the process.

Ryan Roye
03-16-2013, 06:12 AM
Nothing wrong with public transportation, it is cheaper and also good for the environment :)

The downside is that most of the U.S doesn't have good public transportation... something I hope to see change in the future.

geo_n
03-16-2013, 06:31 AM
I doubt women dig cars that have a downpayment of $695.

I think that the car will break down faster than LW11.5. :)

I assumed 695 was part of a slightly bigger sum of money. 695 for downpayment would get what kind of car???

fazi69
03-16-2013, 07:55 AM
Living in California there is only one solution :-)
112639
That way You can have both :-)

Here unfortunately 6-7 months in the Year is not so fun for scooting.

Ryan Roye
03-16-2013, 08:00 AM
Scooters are more awesome than people give them credit for. Agreed with Fazi :)

fazi69
03-16-2013, 08:10 AM
Scooters are more awesome than people give them credit for. Agreed with Fazi :)

We talking about big maxi-scooters here so it can be from 20 horse power in some smaller 250cc to 50-60 in some 600+ cc.
Unfortunately when I mention scooter everyone thinks about some Chinese thing with wheels from shopping cart and engine from small lawnmower.

I love riding on big scooters. It was real mind cleaner and productivity enhancer EVER !!! After countless hours in front of modeler, one or two hour quick trip to the seashore was like
one week vacation ! I miss it terribly :-( Too bad it is too cold here for that and this was bad for my health but If You live in some warm place believe me, it will be excellent way to
forget for a moment about work and to stress out.

DELTA DIGITAL
03-16-2013, 11:25 AM
Scooters are good till someone hits you.

erikals
03-16-2013, 01:01 PM
in all serioussness it depends on where you live.
i live in the core of the city.

it's easy for me to drag a woman home without the need of a car.

so, question > so you live in teh core of the city?

if yes > LW
if no > Car

jasonwestmas
03-16-2013, 02:49 PM
Shrox lives in Eureka. Nothing but trees and roads there. Get the car. :)

Megalodon2.0
03-16-2013, 02:58 PM
I assumed 695 was part of a slightly bigger sum of money. 695 for downpayment would get what kind of car???

But he did say "enough money to upgrade to LW11.5 OR for a car downpayment." $695 would then BE the entire downpayment. Unless you're talking about a VERY used car, downpayments usually run into the thousands of dollars.

http://www.edmunds.com/car-buying/how-much-should-a-car-down-payment-be.html

Of course, take that with a grain of salt. We haven't bought a new car since '95 - my wife's Saturn (which they no longer make) and my car is an '89 Honda Accord which needs work. :)

shrox
03-16-2013, 03:00 PM
Shrox lives in Eureka. Nothing but trees and roads there. Get the car. :)

We have jumping land sharks too, I don't know if a scooter would be safe...

112653

Megalodon2.0
03-16-2013, 03:05 PM
We have jumping land sharks too, I don't know if a scooter would be safe...

112653

This looks like a GREAT lead-in to a SyFy movie. :)

hrgiger
03-16-2013, 03:12 PM
I would say if you make money with LightWave, then get the software. I just bought a new car and considered putting about $500 down on it but when I saw the difference in the payment, it didn't make that much difference in the monthly payment. So I saved the $500 which I'm adding into my buy a new computer fund.

shrox
03-16-2013, 03:56 PM
I've got $1000, and just avoided the hospital by waiting the pain out. Living the land of the free and home of the Whopper sucks sometimes.

A misty fog is common here, makes bikes and such unpleasant and cold after awhile, plus I am apprehensive about committing to debt, I have been debt free for five years now.

Titus
03-16-2013, 05:23 PM
Just keep the money in a bank account for rough times, mi amigo.

JonW
03-16-2013, 06:25 PM
Aim to get $5K in the bank & treat this as your new zero balance.

Once there the next goal could be $10K.

shrox
03-16-2013, 06:27 PM
Aim to get $5K in the bank & treat this as your new zero balance.

Once there the next goal could be $10K.

That's how I got debt free.

LW_Will
03-16-2013, 08:00 PM
Shrox lives in Eureka. Nothing but trees and roads there. Get the car. :)

Can't the people of Eureka give him an electric hover bike or something?

jasonwestmas
03-16-2013, 08:18 PM
Can't the people of Eureka give him an electric hover bike or something?

hehe, one would think. I didn't see many scientists out there however.

nomad108
03-16-2013, 08:28 PM
I would say if you make money with LightWave, then get the software.

Agreed. Cars drain cash, but good software can generate cash. Stay out of debt for a while and use LW to build up some savings for your car. You have lots of time before winter.

Megalodon2.0
03-16-2013, 08:41 PM
I have been debt free for five years now.

An impressive feat considering how bad the economy has been these last five years.

I tip my hat to you! :thumbsup:

Snosrap
03-17-2013, 04:53 PM
I have been debt free for five years now. And so now you are contemplating going into debt to get a car?:confused:

Lewis
03-17-2013, 05:04 PM
BUY LW upgrade and then model yourself a car so you'll have both, win-win :D :D

erikals
03-17-2013, 08:02 PM
yes, model the car and 3Dprint it.

money saved! $

inquisitive
03-18-2013, 02:34 AM
A toss up really, on a way but you are saying "down payment" that means beyond that there will be more payments to be made and less chance to save for the upgrade.
so if you dont need the car right away, get the upgrade, then save again for the downpayment.

A word of advice :) - do try to put down as much money as you can for the car, get a loan approved in advance from the bank/credit union, etc.

Phil
03-18-2013, 06:16 AM
I haven't had a car since September 2012, I have LW 9.6.1, and enough money for good down payment on a cheap car or an upgrade to LW 11. What should I do!!!!

Which will enable you to make more progress to a sounder financial footing? There's little point having LW if future progress will require you to be independently mobile. If you've not missed the car since September 2012, and have no need of it now (unlikely in the US), that's also an indication.

I'm really not at all convinced that bank accounts make sense, either. The interest rate is so low that you're losing money to inflation.

m.d.
03-18-2013, 08:08 AM
Get both....
Or just the car...

Seriously if you've been living debt free...then you are a responsible person. Our entire economy revolves around the idea of credit, and although it may be flawed to the core....that is the way it works.

You will probably pay it off in good time.

If nobody borrowed money....everyone would still live with their parents....there is advantages to financing, as long as we are responsible.

shrox
03-18-2013, 10:39 AM
I have a minor disability that becomes major at times, then I can usually get a ride, But sometimes like Saturday morning, I had a meeting for my new cable show, (Shrock n Roll Show) and I barely made it in time.

I live in a very small logging and fishing village, there are no "new" car dealers here! I'd be buying a $3000-4000 car, with $800-$1000 down. I'll probably trade some animation or art as well, I have done that a few times here.

I looked at a 2011 Smart Car, $12,000 but pretty neat.

JonW
03-18-2013, 06:32 PM
I did read somewhere that parts & maintenance on a Smart "Will tear you a second A... H..."

I've got an old Seat Ibiza 95 1.4, 200,000 km on the clock, cheap to run & still going really well, doesn't burn oil, AC still works very well, did put some new rear door struts on & got them from UK as it was cheaper than here..... & originally paid cash for it!

shrox
03-18-2013, 06:54 PM
I did read somewhere that parts & maintenance on a Smart "Will tear you a second A... H..."

I've got an old Seat Ibiza 95 1.4, 200,000 km on the clock, cheap to run & still going really well, doesn't burn oil, AC still works very well, did put some new rear door struts on & got them from UK as it was cheaper than here..... & originally paid cash for it!

We don't have Seats or Vauxhalls here, just Kia, Toyota, Nissan and the "Big Three". I did like the cars in Europe. I want to get a car 2007 or newer, I had the Saturn for 14 years.

112727

erikals
03-18-2013, 07:01 PM
LightWave & a 650 MotorCycle... :]

(cheap gas)

JonW
03-18-2013, 07:20 PM
We don't have them anymore either. Only for a few years. I think VW felt the Seat was a touch too much distraction for their other similar cars..... Polo! Maybe you find an old one of these!

A good Australian website
http://www.vwwatercooled.com.au/forums/forum.php

inquisitive
03-19-2013, 09:40 PM
Nissan Versa sedan, new ones 2012 run around 10k-11k - best to get a pre-approved loan from credit union then go shop for the car.

JonW
03-19-2013, 11:30 PM
& speak to your accountant to optimise running expenses as a tax deduction.