Retain? Upgrade? or Update?

**playplugg** · October 24th, 2017 11:43 PM

Sirs/Madame,

Hingi lang po sana ako ng advise na inyo,

Currently,

Meron po kaming 2nd Gen. Montero 4x4 VGT MT at 1.3 vios AT non-dual vvti.

planning to pay the remaining balance yung SUV next year, if budget permit, pati na rin yung vios..

Montero nearing 4yrs na, for nasa 12,8--+ KMS pa lang sa odometer, dahil weekend car naman ito. or ginagamit sa long distance driving.

Vios naman is Daily workhorse, gamit na gamit, at minsan ko din ito ginamit sa uber (operator/driver), nasa 27K KMS na rin, 2yrs pa lang ito
mostly city driving, at few times lang na-byahe sa long distance..

Eto po yung point ko.

1. Erpats ko Gusto ng MT, lalo SUV at 4x4, currently, meron sa market dito sa pilipinas, 4x4 MT monty 3rd. Gen saka LC150 4x4 MT. kahit senior citizen na po sya, gusto pa rin nya ng MT...

2. Bunsong kapatid ko, gusto magpabili ng sedan, gusto mazda 3. hindi pa marunong mag-drive.

3. Yung pinaka big-boss namin (Ermats), wala talagang hilig sa sasakyan, ang gusto lang nya, makasakay ng comfort, relax, at makarating sa point A to B.. basta maayos at safe... kahit gusto nya ang sasakyan, hindi sya bibili, dahil depreciated value at ayaw nya magtapon ng pera, pero kung real-estate, walang hesitation

4. Inatasan po ako mag-research kung ano po ba dapat gawin? Retain? Upgrade? or Update?

Salamat po at Safe Driving sa lahat..

**dreamur** · October 24th, 2017 11:55 PM

Pay off thr Montero first, sell and replace with a new SUV mt. The Prado would be nice for the old folks. Have the younger brother learn to drive the vios first then before buying a new sedan.

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**StockEngine** · October 24th, 2017 11:55 PM

dont retain the mt. even if he prefers an mt suv. get an automatic that everyone can use. the new suvs have light steering that your wife will like.

bunso can get the older sedan.

my bunso bro inherited the old vios & new civic lucky bastard lol.

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**dct** · October 25th, 2017 08:34 AM

Bakit may retain upgrade or update? May montero para kay erpats at may vios para kay bunso naman

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**dr. d** · October 25th, 2017 09:02 AM

Originally Posted by dct

Bakit may retain upgrade or update? May montero para kay erpats at may vios para kay bunso naman

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i agree.
give the monty to papah.
give the vios to the young one. kung ayaw niya, ay siya ang bumili ng sasaQyang gusto niya.

**kris_13** · October 25th, 2017 10:40 AM

Same scenario din sakin. I have a 2012 Suzuki Celerio. Matatpos na sya. 8 hulog nalang yata pero plano ko na buoin yung bayad.

Magkaka baby narin kasi kami this feb kaya naisip ko mag upgrade. Mejo may tagtaginess din yung small car.

Napapaisip ako kung benta at upgrade sa Sedan. Pero naiisip ko another 5 years nanaman. hehe

Ang other option ko din is to rejuvenate my car kasi nasa 30k kms palang ang odometer nya at di naman laspag. May mga battle scars lang kasi dinadrive ni misis at kung san san sumasagi hehe.

I will give my car a new paint, mags, and new tints.

Ano kaya maganda? Alam naman natin na ang sarap sa pakiramdam na may bagong car, parang bata na nabilan ng laruan.

**Walter** · October 25th, 2017 10:52 AM

Clearly, your mother is a very financially smart person ... you should learn from her ...

**Walter** · October 25th, 2017 10:54 AM

Originally Posted by kris_13

Ano kaya maganda? Alam naman natin na ang sarap sa pakiramdam na may bagong car, parang bata na nabilan ng laruan.

The money you save will be there long after the novelty of having a new car wears off ...

**playplugg** · October 26th, 2017 01:25 AM

Thank you Sirs for the replies..

Really appreciated and helpful..

Originally Posted by dreamur

Pay off thr Montero first, sell and replace with a new SUV mt. The Prado would be nice for the old folks. Have the younger brother learn to drive the vios first then before buying a new sedan.

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Sir dreamur,

Parents ko, pareho po nla gusto ang LC150,even the Rubicon & Pajero BK, considered nila,
ang mother ko, kung gusto naman nya bayaran, yung current loan, pwede naman, mas focus po sya sa investment,

kahit kaya naman kumuha ng LC150, my ermats will choose to buy a condo unit RFO, then, i pa-rent, which is effective..
may mga condo syang nakuha, yung iba, naka-retain, at kumikita, at yung iba naman, disposed na, at meron pa syang tubo..

kinausap ko na rin po yung younger sister ko, since naka pangalan naman yung vios sa akin, ok lang na ibigay ko sa kanya para magamit nya, since 2yrs na rin naman ito, at marami nang scratches dahil lagi naman ito ginagamit.. hindi na rin nakakapang-hinayang ito.. dahil depreciated na ang sasakyan.. once na natuto sya, saka kumuha ng bago...

Originally Posted by StockEngine

dont retain the mt. even if he prefers an mt suv. get an automatic that everyone can use. the new suvs have light steering that your wife will like.

bunso can get the older sedan.

my bunso bro inherited the old vios & new civic lucky bastard lol.

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Sir StockEngine,

Kaming dalawa po ni Erpats, Mas gusto po talaga namin yung MT, ok din ang AT for comfort, Mas preferred na merong isang MT at isang AT sa garage...

Yung first car ng parents ko na Toyota Revo, 7k guzzler MT, 13yrs na hindi pa napapalitan ng clutch, at nadala pa ito sa leyte, andoon na ngayon at walang naging problema...

Yung vios naman po, willing ko naman ibigay sa bunso kong kapatid na babae, since sa akin naman naka-name.. hindi naman big deal ito dahil naka-stay naman kami sa iisang bubuong kasama ang parents..

Originally Posted by dct

Bakit may retain upgrade or update? May montero para kay erpats at may vios para kay bunso naman

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Sir dct,

Retain: 2 vehicles stay in garage, buy another one,
Upgrade: isa po sa sasakyan, upgrade to advanced model (Montero to Rubicon, BK, or LC150. Vios to Camry or Accord)
Update: 2nd Gen. Montero will replaced by 3rd Gen. Montero or Vios will replace and update to altis/mazda 3/civic..

Technically po, Naka-name ang montero sa Ermats ko, sya po ang owner, at kaming dalawa lang po ni Erpats ang nagmamaneho, at wala po kaming personal driver..

Kaya po si Ermats bumili ng SUV, for business purposes, dahil most of the time, marami po syang ka-meeting na client,
and family car po namin..

at ang vios naman, naka-pangalan sa akin, dahil eto yung reward ko sa ermats ko dahil ako po ang personal driver nya.. at tumutulong sa business ng parents ko...

Originally Posted by dr. d

i agree.
give the monty to papah.
give the vios to the young one. kung ayaw niya, ay siya ang bumili ng sasaQyang gusto niya.

Sir dr. d

Most of the time, Erpats ko naman po ang gumagamit nito, pag hindi nya gusto mag drive ng montero, palit kami ng sasakyan..

yung vios naman, willing ko naman ibigay sa bunso, since hindi naman masyado tumutulong sa family business,
pag bumili sya ng sasakyan, bayaran nya, pero willing naman na mag-hati sa monthly amortization

Originally Posted by Walter

Clearly, your mother is a very financially smart person ... you should learn from her ...

Sir Walter..

Yes Sir,

Much better na practical, wag maging kuripot at gahaman, wag masyadong magastos..

Spend Wisely, na merong katuturan at makakatulong sa kapwa..

Since meron staff at employee ang ermats ko.. Priority lagi ang mga employees pag dating ng payday..
walang delay sa salary, at updated lahat ng mga contributions from, SSS/Philhealth/Pag-ibig..

**playplugg** · October 26th, 2017 01:48 AM

Originally Posted by kris_13

Same scenario din sakin. I have a 2012 Suzuki Celerio. Matatpos na sya. 8 hulog nalang yata pero plano ko na buoin yung bayad.

Magkaka baby narin kasi kami this feb kaya naisip ko mag upgrade. Mejo may tagtaginess din yung small car.

Napapaisip ako kung benta at upgrade sa Sedan. Pero naiisip ko another 5 years nanaman. hehe

Ang other option ko din is to rejuvenate my car kasi nasa 30k kms palang ang odometer nya at di naman laspag. May mga battle scars lang kasi dinadrive ni misis at kung san san sumasagi hehe.

I will give my car a new paint, mags, and new tints.

Ano kaya maganda? Alam naman natin na ang sarap sa pakiramdam na may bagong car, parang bata na nabilan ng laruan.

Sir Kris,

As long as na good condition ang engine/electrical/brakes/steering.. at alaga sa maintenance..

At good condition sa pagmamaneho..

no worries about the body scratches sa sasakyan... di maiiwasan ito lalo pag araw-araw ginagamit..

No problems at all..

Parents ko, 10yrs, bago bumili ulit ng brand new.. talagang sulit yung gastos..