ouch !!

just want to add something abt RV (kinda boring dy rite?)

i see a lot of ppl calculate the value drop in percentage head on. So wanna highlight another parameter that has been neglected.

Taking for example, forte 2.0 v civic 2.0s (since it is the main debate nwadays korean v jap).
97k v 127k, so difference is 30k. When we do rv calculation, i think one shud also consider the money we paid upfront to own the more expensive car, hence the interest generated for taking the additional loan, or the interest that can be profited if we put the money into FD.

it could be substantial, if loan is like 7~9 years, which seems norm recently

not to be bias into selection, just saying...

This post has been edited by K5WHITE: Aug 4 2012, 09:58 AM

i disagree...spend it or not, it is still an amount of money. For that example i given, it shud be forte + 30k in FD vs civic 2.0s. Normally, we use FD rate as the appreciation standard for any fund/investment, a reference point.

that is not what i meant. I never say buying forte or viva is smart move or otherwise. Im just saying a parameter has been neglected in the value drop calculation when ppl talk abt RV. Thats all.

Some ppl dont have the actual amt to buy the car in cash, normally takes loan. But, by buying a more expensive car, say in this case, a civic 2.0s is not only 127k, it shud be 127k plus the interest or finance term incurred. Whereas, if buying a forte will incur less interest coz simply loan amt is less.

example :
10% dep for each car, same int 2.45% for 9 years. By the time, the owner completely service the car loan, it shud be:

civic : 12,700 + (114,300 x 9 x 2.45%) = 152,203
forte : 9,700 + (87,300 x 9 x 2.45%) = 116,250

besides the actual car difference of 30k, there is additional difference of RM5,953 consist of 9y int of the car difference. So when u compare RV, it shud be civic selling - 152,203, and for forte, it shud be forte selling price - 116,250.

Again, this is wat i suggest shud be in consideration, nothing more. Im not imposing that everyone shud buy cheaper car aka korean or watever.

resale value is monetary, interest incurred is monetary. Satisfaction, the pride, rewarding experience bla bla bla is NOT monetary...again, im tokking abt RESALE VALUE

by neglecting this, it seems like someone who ignore the compounding interest effect on a liability(car), not a prudent act. For me, i calculate a car price with the loan interest factor in as well. How long the loan, and the monthly payment like. What will the TOTAL price be? And of course, wealthy or financially capable ppl wont mind this, but not all are financially capable.


seems like hijacking a camry thread ? hehehe

This post has been edited by K5WHITE: Aug 4 2012, 06:28 PM

along kesas, kena few samans by letter..hit 111km/hr at 90km/hr speed limit 3 lanes stretch. After paying a couple of saman, sked dy. Try as hard maintain 90km/hr, but old kancil sunny datsun vanette flew pass me like im crawling. WTF!!

---

Added on August 6, 2012, 10:20 am5 series as well

---

Added on August 6, 2012, 10:23 amohh...i have known a public listed company director with at least 1b asset, but still no auto gate in his house. Drive only camry(got chaffeur), n bought satria for his eldest son.

This post has been edited by K5WHITE: Aug 6 2012, 10:24 AM

wait, lemme calculate...300/1,500,000 = 0.02%...ermmm yeah, sort of like nasi lemak in the morning for them

err....pay rm1000 or little bit more to the guy which control this, and back to square one

This post has been edited by K5WHITE: Aug 6 2012, 12:46 PM

a company make money, not SOLELY rest on how good their products are...
i think, toyota really excel in their production system, the way they produce car, with high efficiency, low wastage, and increasing quality in the same time. That part really helps them get good profit margin, and in turn be dominant.

VW got this plan to overtake and become world no 1, and im sure toyota is worried with their aggressive moves. Locally, we already witness greater amount of VW than we used to see 3 years ago.

those that made bad comments abt new camry, abt their low specs and old tech, has nothing to profit from drop of sales(maybe get some pride ).

but i think, by means of internet, unbound knowledge, we as consumers shud know more abt our products, whats happening ard the globe, are we being short-handed locally, in spirit of consumerism.

if we simply accept watever those bully sell to us, then they will continue to take advantage. In this very thread, camry is the example. Yes, it is realiable, yes, previous models has better RV than others, yes, parts are easily found, yes, nvh is good. But izzit really worth the price? Are they charging higher for bigger profit margin?

take for example, cbu lancer 2.0gt at 125k, and civic 2.0s with 60% local parts 127k. Suzuki kizashi cbu and camry umw, and many more. Is it a sitting duck easy prey hunting ground for these big bullies? Whereas the others are offering perks and specs to attract us? Are we simply killing ourselves by ignoring and become slaves?

just my 2c

This post has been edited by K5WHITE: Aug 11 2012, 12:36 PM

my neighbour got rm15k off 2.0G, but only that dark grey colour

---

Added on August 11, 2012, 3:00 pmyeah, either by market force, or the gomen set the rules like CO2 emission, safety features, and so..
but we all know how our country with all the hoohah when debating, but implementing is totally different story

any of u guys buckle up at rear? at any time?

This post has been edited by K5WHITE: Aug 11 2012, 03:00 PM

change of direction to what a company shud do best, make money ?? appease the common crowd rather that niche market

I tot so. When I tried, telling how we are being bullied, being asked to take bus instead.

I think the explanation on how rear seat belt can save life is comprehensive . But, my argument was, isn't already like cold story? Forgotten? When it all started, everyone hoohah, but later, no one remembers.

These company are gambling on the future. These conti with turbo n jap with hybrid. Korean are latecomers, they don't dictate the game. Just eating slices. We on the other hand , just want the most out of it.

No one here say Korean da best , no one said Korean got good RV, no one here said global camry is bad, just local camry is short handing us.

This post has been edited by K5WHITE: Aug 12 2012, 05:52 PM

No ill meaning, how's the old ria auto cruise settings?

lexus, 3series, passat oso rated poor and so. gosh...
maybe prior to this new test, the manufacturer designs or apply safety measures to direct frontal hit. They took actual accident fatality stats to see what kind of accident happened the most, which stated trees, marginal frontal head to head collision, and put it into test. Very good lab test there. Hope it can benefit all

i think there is something not right abt ur instant FC. I rmbr last time u said u had weird readings there. Yesterday i find at 110km/hr, was ard 6l/km from the instant fuel reading, not the ave fuel reading. Maybe u ought to bring it up at ur coming 10k km service. I done my alignment free at red cube even with odo 7k km

how abt the reading when u use auto cruise at flat road? The instant FC shud give the correct reading, without resetting the ave FC.

---

Added on August 16, 2012, 9:16 amwe were talking abt d segments FC no?

This post has been edited by K5WHITE: Aug 16 2012, 09:16 AM

kukulong n jchong?

politicians will say wat they need to win them votes. Right now, exp cars and fuel are the trending issues. Can even promise m'sia can get olympic gold at rio.

Instantaneous FC reading gives u the engine and the car as a whole, its behaviour at the stated cruise speed. Cannot be translate to AVE FC, but Ave FC oso can be "meaningless". Many here put it XX% highway and XX% city, but how can u be exact for sure? Some pedal to floor once green light, some accent to speed slowly.