|
I bought my house a few years before the big crash in 08. I lost my job due to the crash in 09 and ended up in a 'make ends meet' job before finally changing careers and starting my current job in 11. I'm doing well now, the career change was the best thing that could have happened to me, but the fallout is that I'm now in a house that's 52 miles and 65-90 minutes from work, and the market is still years from recovering to the point where I won't be upside down. I'd love to move closer to work for that whole 'quality of life' thing, but the realities of the house market and finances simply say no to that right now. The only way I could conceivably swing it would be to somehow come up with enough for the down payment on a new place (or rent I suppose) and then walk away from this house. Unfortunately for me I guess I don't blame other people for the contract that I signed, and I just can't bring myself to ignore it and walk. So yea, not everyone can just 'move closer to work' at the drop of a hat.
|
#
?
Nov 25, 2014 19:21
|
|
|
|
| # ? May 13, 2024 06:49 |
|
|
The Locator posted:So yea, not everyone can just 'move closer to work' at the drop of a hat. Yes, but, to take this back to the original topic of conversation. if a young person is deciding between getting a license+car or getting a job within walking distance / moving to within walking distance of their job, they are often in a position to skip the car.
|
|
#
?
Nov 25, 2014 19:33
|
|
|
xzzy posted:If only they actually taught that to us as kids. I learned far more about life and its "joys" through stand-up comedians than through school. To be fair, the backs of cereal boxes are also ahead of school in that metric. I did learn how to bullshit though, I guess that's an important life skill.
|
|
#
?
Nov 25, 2014 19:53
|
|
|
To flesh out my unhelpful comment, I live 30 miles and 60 minutes from work. Work ain't moving, I can easily see myself staying there for a few decades so I've been trying to move for nearly 2 years, hopefully it'll happen within the next few months so I'll get an hour a day of my life back. I don't enjoy commuting, who does? If I can knock that down to 15 miles or 30 minutes I'll save £50 a week, get an extra half hour sleep and an extra half an hour with my kids in the afternoon. And to come back onto topic, spend half as much time sharing the road with braindead fuckwits.
|
|
#
?
Nov 25, 2014 21:07
|
|
|
The best thing about the job I started last year is 85% of the time I work less than 10 minutes from my house. Next best thing is I have a company car with a fleet gas card 
|
|
#
?
Nov 25, 2014 21:12
|
|
|
Cakefool posted:To flesh out my unhelpful comment, I live 30 miles and 60 minutes from work. Work ain't moving, I can easily see myself staying there for a few decades so I've been trying to move for nearly 2 years, hopefully it'll happen within the next few months so I'll get an hour a day of my life back. I don't enjoy commuting, who does? If I can knock that down to 15 miles or 30 minutes I'll save £50 a week, get an extra half hour sleep and an extra half an hour with my kids in the afternoon. This is similar to my life.
|
|
#
?
Nov 25, 2014 21:16
|
|
|
Cakefool posted:To flesh out my unhelpful comment, I live 30 miles and 60 minutes from work. Work ain't moving, I can easily see myself staying there for a few decades so I've been trying to move for nearly 2 years, hopefully it'll happen within the next few months so I'll get an hour a day of my life back. I don't enjoy commuting, who does? If I can knock that down to 15 miles or 30 minutes I'll save £50 a week, get an extra half hour sleep and an extra half an hour with my kids in the afternoon. I'm 68 miles from work, around 1-1.5 hours each way, and quite honestly it really doesn't bother me that much. But then again I did a trip to Pennsylvania about once a month the first year I owned a car and racked up 35k miles so eh, I just like driving.
|
|
#
?
Nov 25, 2014 21:32
|
|
|
Why, yes, I fully understand that it's pretty goddamn difficult to make a right-hand turn in a turd cross-over vehicle, so it's completely understandable that you're 75% into the on-coming lane and now headed straight toward me. Guess I'll just dodge you! Luckily, the road was wide with no parked cars on the side, but if it were on the slightly narrower street I'd just come from, we'd have been in a head-on collision. Why can't anyone in this entire loving city drive even passably well? You take your life in your hands every time you go near a road, I swear.
|
|
#
?
Nov 25, 2014 22:21
|
|
|
The real problem with commuting is that you have to drive. Hour long commute on a train? A gently caress load more relaxing than driving in bumper-to-bumper traffic (or just driving). This country needs public transportation, badly.
|
|
#
?
Nov 25, 2014 23:25
|
|
|
totalnewbie posted:This country needs public transportation, badly. While I don't disagree with that, some areas would be crazy expensive to provide a reasonable level of public transit for. I live in the greater Metro Phoenix area, and it's sprawled all to hell and back, so to be able to get a level of coverage to everyone in the city would be something that would be.. difficult? I can't even imagine a system that would actually work for even a majority of the people living here. And of course you've got that whole 'waiting for the train outside, in Phoenix, in the summer' thing going on to drive people back into their air conditioned cars (even if they do live right next to the public transit stop).
|
|
#
?
Nov 25, 2014 23:49
|
|
|
Automotive Insanity > These are the people you share the road with/a sociological discussion of driving
|
|
#
?
Nov 26, 2014 04:15
|
|
|
The Locator posted:While I don't disagree with that, some areas would be crazy expensive to provide a reasonable level of public transit for. I live in the greater Metro Phoenix area, and it's sprawled all to hell and back, so to be able to get a level of coverage to everyone in the city would be something that would be.. difficult? I can't even imagine a system that would actually work for even a majority of the people living here. And of course you've got that whole 'waiting for the train outside, in Phoenix, in the summer' thing going on to drive people back into their air conditioned cars (even if they do live right next to the public transit stop). We spend lots of money on crazy expensive things, public transportation seems pretty worthwhile
|
|
#
?
Nov 26, 2014 04:19
|
|
|
GENDERWEIRD GREEDO posted:We spend lots of money on crazy expensive things, public transportation seems pretty worthwhile The Greater Phoenix metro area is somewhere between 2000 and 9000 square miles depending on how you define the metro area. From Buckeye in the west to Apache Junction in the east it is about 70 miles (ignoring the 'western' area of Buckeye, and Tonopah to the west, and Gold Canyon and other developments to the east). From the general area of the north edge of Phoenix (ignoring Anthem which has 100,000 people living quite a bit further north) to the south edge of Phoenix (ignoring quite a few large developed areas to the south) it's about 50 miles. Have fun designing a public transit system for that area that not only works, but people will use when it's 110+ out. Oh, and good luck actually paying for the operation of it, let alone the initial construction/purchase of whatever system you come up with! I'll end this derail, but yea, some areas are better suited for public transit than others.
|
|
#
?
Nov 26, 2014 04:35
|
|
|
Instead of speeding up or yielding to get across three lanes of traffic, I'll come to a complete stop in this through lane and anyone else coming off the highway can just drat well wait for me and my Jeep. http://youtu.be/LVCyprXlgxo
|
|
#
?
Nov 26, 2014 05:45
|
|
|
Always remember to drive carefully in wet weather, also some new undies would be a good idea after this. https://www.youtube.com/watch?v=0xKRAadgHJk
|
|
#
?
Nov 26, 2014 06:53
|
|
|
From The Onion, but I wish it was true: http://www.theonion.com/articles/driving-instructor-has-own-gas-pedal-in-case-stude,37521/
|
|
#
?
Nov 26, 2014 09:55
|
|
|
Well, it is true where we're from. The car I took driver's ed in had all three pedals replicated in the passenger side. My instructor could parallel park from the passenger seat.
|
|
#
?
Nov 26, 2014 10:58
|
|
|
Motronic posted:Ir sounds like you're talking about the special snowflake that is California, which is a study in how to go too far on these matters. Come to Sweden where, technically, you can't change your tire size on any car post '96 (no one cares though, luckily).
|
|
#
?
Nov 26, 2014 14:01
|
|
|
Cached Money posted:Come to Sweden where, technically, you can't change your tire size on any car post '96 (no one cares though, luckily). That's similar to what I hear about the UK. Insurance companies will refuse coverage if you've "modified" your car, including non-OEM tire sizes.
|
|
#
?
Nov 26, 2014 14:43
|
|
|
Got this from the BMW Motorcycle Owners of America Facebook group. Even BMW riders don't like BMW drivers.
|
|
#
?
Nov 26, 2014 17:02
|
|
|
.
puberty worked me over fucked around with this message at 04:07 on Jun 24, 2019 |
|
#
?
Nov 26, 2014 18:24
|
|
|
Extra posted:Enjoy having V8 RWD 5,000 LB mass of metal on 30,000 mile all seasons hurtle toward you this winter season because some people can dump money into really dumb poo poo but brakes and winter tires just aren't in the budget. You mean I have to pay to maintain this thing? gently caress that, I spent $40,000 on the car already! loving manufacturers designing cars to fall apart after just a few years, there should be laws against that.
|
|
#
?
Nov 26, 2014 18:27
|
|
|
KozmoNaut posted:That's similar to what I hear about the UK. Insurance companies will refuse coverage if you've "modified" your car, including non-OEM tire sizes. Modifications have to be declared, tyre size is never used to deny insurance, there are specialist insurers for heavily modified cars, it's always cheaper to insure a mental kitcar than a far less mentally modified standard car.
|
|
#
?
Nov 26, 2014 18:30
|
|
|
Insurance prices here are terrible car stuff, btw (so sorta wrong thread, still related because you know it's these people who rack up the accident stats). Under 25 and want something even a little bit hot/new? Forget about it, if you don't want to pay out your rear end or commit insurance fraud (register the car in your mom/dads name). edit: example (I'm 22, live in outer parts of city area, apartment): 
Cached Money fucked around with this message at 18:59 on Nov 26, 2014 |
|
#
?
Nov 26, 2014 18:48
|
|
|
Cakefool posted:Modifications have to be declared, tyre size is never used to deny insurance, there are specialist insurers for heavily modified cars, it's always cheaper to insure a mental kitcar than a far less mentally modified standard car. Don't forget that if you mention a modification when you are browsing insurance comparison websites, your current provider may hear about it and automatically raise your rates - on the grounds that you must have made the mod and just forgot to inform them.
|
|
#
?
Nov 26, 2014 19:15
|
|
|
Cakefool posted:Modifications have to be declared, tyre size is never used to deny insurance, there are specialist insurers for heavily modified cars, it's always cheaper to insure a mental kitcar than a far less mentally modified standard car. But aren't the limits of what's considered a "modification" absurdly low? It's the same type of ridiculous rules that state in no uncertain terms that I cannot put the uprated Brembo brakes from the 406 coupe on my 406 sedan, because they were never offered as standard equipment on that body type. KozmoNaut fucked around with this message at 19:19 on Nov 26, 2014 |
|
#
?
Nov 26, 2014 19:17
|
|
|
Cached Money posted:Insurance prices here are terrible car stuff, btw (so sorta wrong thread, still related because you know it's these people who rack up the accident stats). Under 25 and want something even a little bit hot/new? Forget about it, if you don't want to pay out your rear end or commit insurance fraud (register the car in your mom/dads name). This is pretty common in the US. I currently have possession of my brother's MS3 (he's 26, single) while he's deployed to Korea, by virtue of being the only one in our immediate family with a garage. Before he left he was paying about as much per month for full coverage as you, just before he left he canceled his policy and I put it on mine (I'm 31, married) and for the same deductible and coverages it dropped to $45/month
|
|
#
?
Nov 26, 2014 19:26
|
|
|
Cached Money posted:Insurance prices here are terrible car stuff, btw (so sorta wrong thread, still related because you know it's these people who rack up the accident stats). Under 25 and want something even a little bit hot/new? Forget about it, if you don't want to pay out your rear end or commit insurance fraud (register the car in your mom/dads name). You're paying less than a teenager in New Jersey USA with a clean driving record, good grades discount, and legally registered under the parents' insurance.
|
|
#
?
Nov 26, 2014 20:11
|
|
|
FogHelmut posted:You're paying less than a teenager in New Jersey USA with a clean driving record, good grades discount, and legally registered under the parents' insurance. I pay 220/mo for NE NJ with a single accident on record. I for the record, hate this state so much
|
|
#
?
Nov 26, 2014 21:12
|
|
|
FogHelmut posted:You're paying less than a teenager in New Jersey USA with a clean driving record, good grades discount, and legally registered under the parents' insurance. New Jersey drivers must really blow goats. I'm a 22 year old single male, in Chicago, with a poo poo GPA, one speeding ticket and an accident on my record, but to insure my 05 civic under my own name was only $95 a month. Even on an 04 miata, which is technically a sports car even though it has basically the same engine as my civic, I got quoted $130 a month
|
|
#
?
Nov 26, 2014 21:23
|
|
|
Last year an old school buddy of mine was killed in a traffic collision in the town centre. It has recently gone to court, and it has been heard that the defendant was not only driving without insurance, but was going at around 70-80mph at the time of the crash. Bear in mind that this is a heavily built up area and the speed limit is 30mph. In addition, the road leading up to where the crash happened was not a great distance from a roundabout you need to cross, and has a pedestrian crossing and 3 sets of traffic lights, and to top it off is on a very noticeable gradient. He has denied driving dangerously but "admits" to driving carelessly. Not driving carelessly my loving arse, there is no loving way you can get up to that speed on that road in the time and space available without doing so ahead of time and in a very dangerous and deliberate manner. If he gets the maximum sentence he could be looking at 14 years in prison. Heres hoping. http://www.kentonline.co.uk/ashford/news/man-to-face-court-over-16258/ http://www.kentonline.co.uk/ashford/news/games-shop-boss-killed-by-27613/
|
|
#
?
Nov 26, 2014 21:31
|
|
|
Cached Money posted:Insurance prices here are terrible car stuff, btw (so sorta wrong thread, still related because you know it's these people who rack up the accident stats). Under 25 and want something even a little bit hot/new? Forget about it, if you don't want to pay out your rear end or commit insurance fraud (register the car in your mom/dads name). Is that for comprehensive insurance? That's about the same as what I pay for a '13 jetta sportwagen tdi in Seattle. And I am almost 30 and live in a nice area of North Seattle.
|
|
#
?
Nov 26, 2014 21:42
|
|
|
QuiteEasilyDone posted:I pay 220/mo for NE NJ with a single accident on record. I for the record, hate this state so much $88 per month in central NJ with no accidents. Granted I'm 27 and only started consistently driving (and bought my own car and insurance) less than two years ago. Before that, I commuted to work in NYC by train until I got laid off and otherwise depended on public transportation and hitching rides from family and friends. 
|
|
#
?
Nov 26, 2014 22:11
|
|
|
$58 a month for our BMW and 4Runner with full coverage. Suck it 
|
|
#
?
Nov 26, 2014 22:17
|
|
|
That's not my car obviously, just an example quote. And yes, it's full coverage. What's bullshit is that it's a pretty tame car, in a country with less than 300 traffic deaths yearly. Edit: My Mk1 polo has full coverage for less than 30 bux/mo. Plus it's over 30 years old so no yearly tax.
|
|
#
?
Nov 26, 2014 23:32
|
|
|
D'oh, so close to perfectly straddling the line. Try again next time! 
|
|
#
?
Nov 26, 2014 23:38
|
|
|
So apparently there is *one* advantage to getting old. I pay $80'ish per month combined to insure my Ford Fiesta and BMW M3 with full coverage (300k/500k liability limits). I'm pretty sure if it cost $160+ per month for insurance when I was a teenager, I would have been doing a lot of walking and riding my bike.
|
|
#
?
Nov 27, 2014 00:27
|
|
|
Went to the gas station to air up my tires. I knew they were low, but not 10PSI low.  I am the people we share the road with.
|
|
#
?
Nov 27, 2014 00:56
|
|
|
The Door Frame posted:New Jersey drivers must really blow goats. I'm a 22 year old single male, in Chicago, with a poo poo GPA, one speeding ticket and an accident on my record, but to insure my 05 civic under my own name was only $95 a month. Even on an 04 miata, which is technically a sports car even though it has basically the same engine as my civic, I got quoted $130 a month Its interesting how insurance differs around the world. In New Zealand where you park seems to have way more effect than the actual car (or even its value) which is why I'm paying virtually the same for my new Mazda 3 than I was for my old Skykine despite the new car being insured for three times the amount the old one was. The main factor is I parknon street in a fairly crummy area, and have made several claims for getting hit while parked.
|
|
#
?
Nov 27, 2014 01:00
|
|
|
|
| # ? May 13, 2024 06:49 |
|
|
This weekend I was out for a drive on what will probably be the last nice day of the year. I was driving NH's coast road, which you can't drive fast on because there are just too many people on it, but it has a few 20 mph curves which can still be fun and the scenery is nice. I went up and on my way back down a group of motorcycles was in front of me, some kind of Harley and two big custom choppers. They were keeping up a good clip which was nice after being stuck behind people doing 30 mph most of the way up, but when we got to the last curve before the fun part of the road ends one of the choppers ran wide trying to take it too fast, went off the road, and bounced up over the median and into a parking lot. Frankly it was a pretty good recovery, he just rode through it like it was nothing and merged back onto the main road at the next intersection. I've never seen a motorcyclist lose it like that before though and I couldn't stop laughing. He wasn't even going that fast, I guess it was a bit cold for his tires. Disgruntled Bovine fucked around with this message at 01:22 on Nov 27, 2014 |
|
#
?
Nov 27, 2014 01:13
|
|
