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enraged_camel posted:Yeah, it would be even more awesome if the guy bought the $35k truck to tow the $50k boat he bought the previous weekend, right? Amateur https://www.youtube.com/watch?v=32kK7lQZSks I've gotten in the habit of looking at over sized trucks that are clearly not used for work and saying "That truck cost him one hundred thousand dollars" based on the additional costs he's (it's always a guy) likely to incur over a 10 year lifespan of the vehicle. Last time I needed a big truck for some random hauling, I rented it for $80 with unlimited miles. I gotta say, I was pleasantly surprised at the fuel efficiency of about 25mpg. So it might not be as bad as I thought.
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Aug 19, 2014 11:44
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I knew a guy who bought a ~60k Harvey Davidson limited edition pick up truck (I wanna day it was a ford?) Leather interior, the whole shebang. Mind you the guy could definitely afford the payments, but he was home about 160 days out of the year. The rest of the time he'd be on site for months on end.
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Aug 19, 2014 11:57
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Trucks are dumb. I saw a stretch pickup truck last month when I was riding my motorcycle to the store and I almost fell off the drat thing I was laughing so hard.
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Aug 19, 2014 12:42
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My mother has owned two trucks, one was a 1977 Ford Lariat (with the gearshift on the steering column!) and that finally died. She then bought a 2003 Chevy Silverado Heavy Duty 2600, extended bed and full cab. That drat truck was nearly almost 10 feet long. Then again, we owned a farm and we used it to haul hundreds of bales of hay, horse trailers, and actually used it for farm work in the fields (hauling tools, tractors, etc). So not so much being bad with money as it was being good with money by having it used every weekend for actual work, but the bad with money part came from us driving it around town (driving to the Tractor Supply, Home Depot, etc don't count, I'm talking about my mother taking that truck to work five days a week). It got 13 MPG.
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Aug 19, 2014 14:24
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When will Ford and Mini collaborate on the ultimate BFC-inspired F-150 / Mini Cooper crossover we've all been waiting for? There's clearly a market for it.
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Aug 19, 2014 14:33
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Will there ever be such a thing as a cost effective electric car?
Sephiroth_IRA fucked around with this message at 14:40 on Aug 19, 2014 |
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Aug 19, 2014 14:38
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"Ever" is a really long-rear end time, so the answer is yes.
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Aug 19, 2014 14:41
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HonorableTB posted:My mother has owned two trucks, one was a 1977 Ford Lariat (with the gearshift on the steering column!) and that finally died. She then bought a 2003 Chevy Silverado Heavy Duty 2600, extended bed and full cab. That drat truck was nearly almost 10 feet long. Then again, we owned a farm and we used it to haul hundreds of bales of hay, horse trailers, and actually used it for farm work in the fields (hauling tools, tractors, etc). I love seeing Section 179 used appropriately. It was a really annoying excuse to buy Hummers about 10 years ago. http://www.section179.org/section_179_vehicle_deductions.html
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Aug 19, 2014 15:03
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SpelledBackwards posted:When will Ford and Mini collaborate on the ultimate BFC-inspired F-150 / Mini Cooper crossover we've all been waiting for? There's clearly a market for it. Mini Cooper with a towing hitch, cart sold separately. Money please!
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Aug 19, 2014 15:23
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I like smaller pickups like the Ford Ranger and Chevy Colorado. Although I won't get one because I have no use for a pickup.
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Aug 19, 2014 15:25
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melon cat posted:Many years back, I used to work some entry-level position that paid about ~$35K. A lot of my co-workers who earned the same amount of money as I did drove leased/financed Audis and Bimmers because they thought it made them look like bigshot bankers. One of them even bought a Cadillac CTS. And when it was lunch time they'd buy a coffee for lunch because it was all that they could afford. I agree these are ridiculous decisions, but at some point when enough people do it, we have to stop harping on *personal choices* and wonder if the system that drives people to make these horrible decisions is hosed. (and it is)
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Aug 19, 2014 15:46
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FrozenVent posted:I knew a guy who bought a ~60k Harvey Davidson limited edition pick up truck (I wanna day it was a ford?)  I've seen a few of these. One in Yellowknife, the pickup truck capital of Canada. They are ridiculous. One was owned by a guy who also worked away from home for long periods of time. Which makes it even more insane, for two reasons - obviously he's not home as much to enjoy the truck, but also by buying such a ridiculously expensive vehicle to own and operate - instead of saving that money - he's ensuring he'll never be able to live off of a salary that would be offered by the economy where he lives. Rick Rickshaw fucked around with this message at 15:48 on Aug 19, 2014 |
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Aug 19, 2014 15:46
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On advice from one of their friends, my inlaws leased an SUV. Why did they lease an SUV? Because this friend told them they could write it off as a business expense. They just need to "get a business license" and "you don't even have to turn a profit" I guess that guy has been doing it for years, and uses his expensed vehicle to commute to his normal job at a normal office, which I'm 95% sure is tax un-legal.
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Aug 19, 2014 16:44
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My grandpa used to own a trucking business when he was younger and owning a pickup reminds him of driving his old trucks. Only he barely has use for one so he owned a Ford Ranger and when that got totalled, he bought a Chevy S-10. They're great little RWD cars and can haul furniture or extra groceries if need be, but for the most part, it just gets good gas mileage and reminds him of being younger In Illinois, you get classified as a light truck, you pay out the rear end on gas and insurance, and your compensation machine rusts so fast that I've seen a late 00's super duty with rust holes through the bumper. I don't get owning a big, V8+ truck unless its necessary..... Sephiroth_IRA posted:Will there ever be such a thing as a cost effective electric car? Tesla just made all of their patents public, so give it 5-10 years. Batteries are still going to be +$8k though
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Aug 19, 2014 16:48
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canyoneer posted:The best part is that I've worked closely with people for over a year and still didn't know what they drove. So plenty of people don't notice, and most of those who do probably don't care. (Although I suspect that part of those conversations is because I'm in a tiny car, since huge car=better in a lot of people's minds for whatever reason. And "safer", because your SUV is totally going to save you when you drive terribly on snowy roads.  )At least I'm better off than the coworker who has three cars for two people. She and her husband both have the same model of SUV(as in, one each), and their third car is her former daily driver that she wrecked. Still drivable, but not pretty, so her husband uses it to haul tools and whatnot for his job. I asked them why they don't drop one of the SUVs, but it was handwaved away with "oh, it's convenient."  And they don't want to drop the smashed-up car because they don't care if it gets dirty during the husband's work.
Haifisch fucked around with this message at 17:30 on Aug 19, 2014 |
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Aug 19, 2014 17:27
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Haifisch posted:
It's probably because you're in a tiny Kia, they might be ok these days, but an older Rio is not something you want to crash in. I guess it's better than a cavalier.
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Aug 19, 2014 17:40
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Haifisch posted:At least I'm better off than the coworker who has three cars for two people. She and her husband both have the same model of SUV(as in, one each), and their third car is her former daily driver that she wrecked. Still drivable, but not pretty, so her husband uses it to haul tools and whatnot for his job. I asked them why they don't drop one of the SUVs, but it was handwaved away with "oh, it's convenient." My parents have that beat. Four vehicles for two people - an old beater sedan, a motor scooter, and two brand new leased SUVs. They both work ~10 miles away and don't really go places much outside of work. My dad insists on leasing cars despite the fact that he always ends up turning them in with like a third of the allotted mileage, it's unreal.
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Aug 19, 2014 18:01
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A few months ago, I saw someone with a fancy, heavily modded pickup truck with the bed full of furniture and stuff (moving apartments, it appeared). They had to take speed bumps & dips at about 1 mph because the ridiculous suspension wanted to launch everything out of the bed. I laughed heartily.Sephiroth_IRA posted:Will there ever be such a thing as a cost effective electric car? The Mitsubishi i-MiEV would be the current best contender for that, I think. All of the affordable EVs have the same problem though, the batteries required to get a decent range cost a fortune so they aren't usable as much more than a commuter car.
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Aug 19, 2014 18:06
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sanchez posted:It's probably because you're in a tiny Kia, they might be ok these days, but an older Rio is not something you want to crash in. I guess it's better than a cavalier. Dangit Ronpaul posted:My parents have that beat. Four vehicles for two people - an old beater sedan, a motor scooter, and two brand new leased SUVs. They both work ~10 miles away and don't really go places much outside of work. My dad insists on leasing cars despite the fact that he always ends up turning them in with like a third of the allotted mileage, it's unreal.
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Aug 19, 2014 18:17
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Dangit Ronpaul posted:My parents have that beat. Four vehicles for two people - an old beater sedan, a motor scooter, and two brand new leased SUVs. They both work ~10 miles away and don't really go places much outside of work. My dad insists on leasing cars despite the fact that he always ends up turning them in with like a third of the allotted mileage, it's unreal. Heh. My in-laws have four cars. 92 F150, old rear end lovely Galaxie, 10 Sonata and just bought a 14 Outback that they sold a Tribute to get. Mother in law works from home and only needs a car once in a blue moon for work. But wait, there's more. 10 motorcycles. Only three run. The others are in permanent non running status because FIL can't afford to get parts to fix them up because every time he gets 2k together he gets another bike. All of the excess vehicles are due to my FIL having the monetary habits of a four year old. Good with money: MIL completely decoupled their finances and takes a monthly check from FIL. She's responsible and is on track for retirement, but they'd be hosed if FIL had access to the joint accounts.
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Aug 19, 2014 18:22
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Haifisch posted:Yeah, it's a newer Kia. I'd heard enough about the problems of older Kia models to avoid them back when I was car hunting. My dad uses the scooter to commute to work when it's nice out and the beater when it's not. As far as the SUVs go, I honestly have no idea what they are thinking. They're just base-model, inexpensive crossovers, nothing fancy, so it's not really a status symbol thing. My mom uses one of them for her commute and the other just kind of sits there. It gets worse: on the rare occasion they go on a long road trip, they pay to rent a car rather than using up some of the mileage on their leases.
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Aug 19, 2014 19:18
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Volmarias posted:Mini Cooper with a towing hitch, cart sold separately. http://www.mnidomore.com/
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Aug 19, 2014 19:22
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I suppose I am, in this case, bad with money - I drive a Dodge Ram 1500 as my daily commuter and don't have any need to haul anything. I was 21 when I bought it, 6'5" tall, and over 250 pounds at the time of purchase, so it was by far the most comfortable thing I'd driven. That said, I tried to make it a little less stupid:
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Aug 19, 2014 23:04
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My boss, who's also a good friend of mine and I train BJJ with just bought a Ford Raptor. Thing costs him $200 bucks to fill up and it lasts him like a week just driving to/from work and gym. Guy also built up a business from him, alone, in his basement to a 100+ employee, 10 million a year in revenue company in under 5 years, and is raising 4 kids, so I think driving is his only alone/relaxation time and he wants to do it in a ludicrous truck. I don't think he's put anything in the bed of it yet though. Edit: Hey neat the avatars changed.
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Aug 20, 2014 03:03
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The Raptor is loving boss as hell. You're not really supposed to carry anything - it's more a prerunner / serious high speed off road truck. Sure, it's kind of a bro truck but whatever, if you can afford it, go nuts.
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Aug 20, 2014 03:24
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KYOON GRIFFEY JR posted:The Raptor is loving boss as hell. You're not really supposed to carry anything - it's more a prerunner / serious high speed off road truck. Sure, it's kind of a bro truck but whatever, if you can afford it, go nuts. That's exactly my thought as well. He certainly can afford it and has the work ethic (and success to go along with it) like nobody I know. Thing goes like stink too.
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Aug 20, 2014 03:38
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poopinmymouth posted:I agree these are ridiculous decisions, but at some point when enough people do it, we have to stop harping on *personal choices* and wonder if the system that drives people to make these horrible decisions is hosed. (and it is) A lot of it is psychology too. Tons of people are stuck in dead-end jobs where they get little or no raises or promotions for years. To feel like they are progressing in their career (and to give that impression to others), they spend whatever little money they manage to save to upgrade their cars every few years. And then, to avoid feeling guilty, they tell themselves that they "have been working really hard lately" and that they "earned it." Of course, it doesn't help that those sentiments are reinforced by friends and family.
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Aug 20, 2014 05:59
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nickutz posted:I like smaller pickups like the Ford Ranger and Chevy Colorado. Although I won't get one because I have no use for a pickup. I don't haul much. But living in a rural area it's enough of an annoyance to justify one. That's why I got a free Silverado 1500 from my inlaws business when they bought new work trucks. Can't beat that price. I doubt I will ever buy one new or even used one in the future when this one dies.
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Aug 20, 2014 14:22
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olylifter posted:My boss, who's also a good friend of mine and I train BJJ with just bought a Ford Raptor. My car purchase budget is currently about 10% of my gross salary every 7 or 8 years. I'm pretty sure I'd scale that up. So I suppose if I made $500k a year, then I'd totally drive a relatively new luxury car. I think I'd classify non-working trucks as luxury. I probably wouldn't get a truck, but I can totally understand doing it if I were in that income range.
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Aug 20, 2014 15:56
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sanchez posted:I guess it's better than a cavalier. I drive a previously-wrecked cavalier that no longer has airbags; I guess I'm bad with money because I keep driving this deathtrap instead of buying something better 
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Aug 20, 2014 16:13
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Anyone else in favor a general moratorium on car/truck chat? Another gem from the personalfinance subreddit: quote:I make about $1,480.00/month and have an acquired $9,000 in CC debt - $10,000 auto loan - $7,000 student loans which comes out to about $310 total for car loan + insurance - $520 for CC and med bills. $830 of their $1480 take home just to service debt and drive. Yikes.
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Aug 20, 2014 17:42
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Barry posted:Anyone else in favor a general moratorium on car/truck chat? How much would that monthly net income be if it was expressed as yearly pretax income, roughly?
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Aug 20, 2014 17:48
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A little over $20k.
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Aug 20, 2014 17:53
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Barry posted:Anyone else in favor a general moratorium on car/truck chat? I vote that anyone who mentions cars itt outside of a story about people bad with money has to watch this entire youtube video or get probated. http://youtu.be/kzim1iYhmGA To add to content: A buddy of mine got a DUI last year. He couldn't get his interlock off until he went to therapy, and he couldn't go to therapy because all his extra money went to the monthly interlock fees. Poor guy paid ~$80/month for months longer than he was legally required to before he was able to save up enough money to go to therapy and get the interlock removed. If he could have stopped buying weed, booze, MTG poo poo, and videogames (or just one of those things) for a couple of months he could have saved himself hundreds of dollars. That said, it's amazing how much a DUI can screw you over if you're poor or living paycheck to paycheck.  E: Just so no one thinks I am defending driving drunk. The Door Frame posted:gently caress anyone who actually drinks and drives. This is what I told my buddy. Leroy Diplowski fucked around with this message at 19:33 on Aug 20, 2014 |
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Aug 20, 2014 18:08
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It always surprises me how cavalier people seem to be about DUIs. When I tell people I ride the bus when I know I'm going to be drinking to avoid getting one, they generally look at me like I've got three heads.
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Aug 20, 2014 18:18
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It's almost like DUI fines and punishments are designed to make people less willing to drink and drive. I don't have much sympathy for DUIs. You're an adult, you know you've been drinking, either don't drink or don't drive. The punishments suck. Potentially putting someone in a wheelchair or killing them is also bad.
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Aug 20, 2014 18:40
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Dangit Ronpaul posted:cavalier I thought we said no more car chat? But to your point, people do the same thing when I tell them I'm riding the bus on my way to a hockey game. The terminal is across the street, and it saves me from having to park 2 cars when my wife is meeting me after her shift ends. Also, I get some exercise walking the mile to the stop. I wish people would change the way they look at public transportation in this country. Nocheez fucked around with this message at 18:46 on Aug 20, 2014 |
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Aug 20, 2014 18:44
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Dangit Ronpaul posted:It always surprises me how cavalier people seem to be about DUIs. When I tell people I ride the bus when I know I'm going to be drinking to avoid getting one, they generally look at me like I've got three heads. I like to make the Designated Drunk Driver joke, but gently caress anyone who actually drinks and drives. There used to be a bar at the end of my block and it was one of the most popular in the area. I almost got run over by drunks more times than I can count. Once they closed down, I talked to the guy who ran the kitchen and even though the owner was making a ton of money, he decided to stop paying the mortgage on the building for 6 months straight and the bank kicked them out
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Aug 20, 2014 18:47
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The Door Frame posted:I like to make the Designated Drunk Driver joke, but gently caress anyone who actually drinks and drives. One story fulfilling both content for the thread and a response to the mini derail. Nice!
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Aug 20, 2014 18:49
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silvergoose posted:One story fulfilling both content for the thread and a response to the mini derail. Nice! It can't all be Chief Keefs quote:
The Door Frame fucked around with this message at 19:06 on Aug 20, 2014 |
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Aug 20, 2014 19:02
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