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Enos Cabell posted:My sister probably deserves her own BWM thread. Rather than fix the brakes on her hand-me-down Subaru that was in otherwise great shape, she decided she needed a new car. So without consulting anyone, she went down to the dealer and ended up buying an ex-fleet Mazda 2. At 19% interest on a 72 month loan. She was on the hook to pay over $23k on a car with no cruise control, no power windows and 60k miles that only cost around $13k brand new. I had to explain my horrified reaction to her. The Mazda2 Sport didn't come with cruise control, so I don't know where you're pulling no power windows from. It's criminally BWM, sure.
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Aug 25, 2016 15:17
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Phone posted:The Mazda2 Sport didn't come with cruise control, so I don't know where you're pulling no power windows from.
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Aug 25, 2016 16:07
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SiGmA_X posted:They make cars without cruise control?! What is this, the 80s?! My mom's 2013 Hyundai Accent doesn't have cruise control.
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Aug 25, 2016 16:18
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1997 Subaru Legacy Outback - Probably had cruise 1996 Mazda Miata - No cruise 1994 Mazda Miata - No cruise 2012 Mazda 2 - Had cruise 1992 Lexus SC300 - Had cruise (until we ripped it out) 2016 Mazda Miata - Has cruise 2006 Chevy Silverado - No cruise 2010 Sym Symba scooter - No cruise  A car not coming with cruise is pretty easy to fall into. It's less common these days, but most super entry level cars (like the Mazda2) didn't come with cruise standard unless if you went a trim level up. It's fairly inexcusable now considering that the old systems were vacuum operated and had dozens of ways to fail and the current tech is electronic throttle, so it's literally a $20 control box and $10 in switches for the steering wheel controls. Retrofitting cruise control is just as expensive and a pain in the rear end as it was in the past. I'm curious how entry level cars are going to change for MY2018 because of the federal mandate for back up cameras on all new cars.
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Aug 25, 2016 16:22
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Nail Rat posted:Was she found at fault for failing to yield while merging? Either way I'd expect her rates to skyrocket. Actually the other driver got cited for exceeding the safe speed limit, she somehow managed to get the best possible outcome.
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Aug 25, 2016 16:24
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SiGmA_X posted:They make cars without cruise control?! What is this, the 80s?! My car has no cruise control but is otherwise pretty great. It makes no sense to me Coincidentally enough, 10 minutes ago I was heading in to work and got cut off pretty hard by some lady while getting on the highway. I wanted to get around her and drive real slow because I'm petty like that but within 30 seconds she started texting and rear ended somebody. It definitely did at least $20k+ damage to her brand new Mercedes (still had dealer plates) plus it involved two other cars. Dwight Eisenhower posted:Getting your car totaled is GWM. If you're not seriously injured or killed. This could have been me. All I want is cruise control.
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Aug 25, 2016 16:25
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Phone posted:The Mazda2 Sport didn't come with cruise control, so I don't know where you're pulling no power windows from. I'm just going off what she told me, I never rode in the thing.
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Aug 25, 2016 16:26
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WampaLord posted:My mom's 2013 Hyundai Accent doesn't have cruise control. I think my 2010 Accent didn't have cruise control, or power anything (locks/windows) I honestly didn't know that manuals had cruise control too until my last car.
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Aug 25, 2016 16:27
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My car has cruise, but it's currently broken. Phone posted:I'm curious how entry level cars are going to change for MY2018 because of the federal mandate for back up cameras on all new cars. I have no idea what an OEM backup camera really costs, but you can buy an aftermarket for less than $50. It might be cheaper at this point to standardize touchscreens across all trim models (with more advanced features locked out for cheaper cars) than having different head units.
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Aug 25, 2016 16:29
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My friend got a brand new 2013 Chevy Cruz that ironically didn't have cruise control. The dealer had an aftermarket one put on that failed after a year, and after several attempts to fix it they just pulled it and put a new steering wheel on. That's literally all they had to do, don't know why it took so long or was even an option in the first place 
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Aug 25, 2016 16:32
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Dwight Eisenhower posted:IF your vehicle gets totaled AND the other driver is fully at fault AND you're not upside down on the car AND you don't end up with big medical bills, you get paid out based on fair market value without any regard to depreciation of your car or other problems with it like deferred maintenance etc. so getting totaled can be more lucrative than trying to sell it either to a dealer or private party. My life insurance would pay out 2million, dying is pretty gwm in my case
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Aug 25, 2016 16:48
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TLG James posted:I think my 2010 Accent didn't have cruise control, or power anything (locks/windows) I had a 1992 Chevy Silverado with a five speed and cruise control. That was a fun adventure, sometimes it would accelerate on its own until I turned it off. And you had to remember to tap the brakes or hit the cancel cruise button if you needed to downshift to pass or it would just rev the motor with the clutch in.
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Aug 25, 2016 16:54
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pathetic little tramp posted:My life insurance would pay out 2million, dying is pretty gwm in my case $625,000 here, but I think it'd be GWM given it would let my wife jump straight to buying a paid-off place she could easily afford the upkeep on. Bonus if she could sue! Nail Rat fucked around with this message at 17:10 on Aug 25, 2016 |
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Aug 25, 2016 17:07
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Krispy Kareem posted:My car has cruise, but it's currently broken. Aftermarket stuff varies wildly, especially when it comes to electronics. Also, it's super easy to gently caress il the install or do something really dumb (like have your aftermarket stereo or car alarm drain your battery overnight because the installer didn't put it on a switched power source). For integrated OEM stuff, it varies. For the 2016 Miata, there is no option for a back up camera; however, there is in the Japanese market car and it's also offered as an accessory. More than a few people have imported the camera (and the Japanese instructions), tore apart the entire dash and ran the harness to the back, cut a hole for the camera and mount it with no problems for $500-600 just for be part. And since the head unit is the same in like 3 or 4 other Mazda cars, it doesn't give a gently caress and works 100% spot on. Market segmentation is super weird.
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Aug 25, 2016 17:09
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Just saw this posted on a local FB group; BWM is when you lose your horses
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Aug 25, 2016 17:51
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Are they sure the horses didn't just get scared of a squirrel and explode?
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Aug 25, 2016 18:07
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Who in their right mind would pay 500 dollars to add a backup camera to a Miata of all things?
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Aug 25, 2016 18:07
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My friend wanted to get a backup camera for his new Mini Cooper. The guy drives like my grandma. Bad with money and bad with driving.
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Aug 25, 2016 18:13
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I understand the utility of backup cameras for minivans, SUVs etc but christ, a Mini and a Miata?
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Aug 25, 2016 18:45
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All cars are going to have backup cameras in the future anyway. 2018 is the mandate.
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Aug 25, 2016 18:51
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SaltLick posted:All cars are going to have backup cameras in the future anyway. 2018 is the mandate. Very aware but why bother retrofitting unless you are literally crippled and can't turn your head?
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Aug 25, 2016 18:55
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Now that I own a car with a backup camera I will never own a car without one, unless it's like a classic car and adding one would be abomination. So, I'm the type of idiot that would spend $500 to add one to a Miata I guess.
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Aug 25, 2016 19:04
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A Facebook acquaintance had commented on a clickbaity article "If you have any of these Beanie Babies, you can quit your job ASAP!" I ended up looking at the article and saw that 75% of what they had listed was "valued" at about $2k. There were three beanie babies worth $25k-75k. That's certainly a lot for a stuffed animal, but these people have dangerously low standards if that's retirement level income. clickbait posted:If you are a true beanie baby collector you probably have hundreds of them, and you have been holding on to them because they have such great sentimental value. Well, what if I told you that you could sell some of them for up to $75,000?!
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Aug 25, 2016 19:08
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GoGoGadgetChris posted:Now that I own a car with a backup camera I will never own a car without one, unless it's like a classic car and adding one would be abomination.
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Aug 25, 2016 19:09
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Yeah, I would do it to mine if it didn't require pulling apart the entire dash. It's not hard, but the effort:reward is so low and I don't have issues misjudging the size of my already small car with no roof. Like just keep in mind, most drivers think that they're better than average.  Jalopnik just ran an article about the Camry dent: http://jalopnik.com/the-incredible-mystery-of-the-camry-dent-1785413530
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Aug 25, 2016 19:29
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I would like a backup camera since the overall length of my truck is over 21 ft. Ive gotten really good at parallel parking.
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Aug 25, 2016 19:35
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We had an employee cookout / lunch today and it was filled with so many BWM anecdotes that I assume some people had to be making them up just to fit in. - #2 in the office who makes roughly 98k (I know pretty much everyone's exact salary due to having to do work on reporting requirements for the state) talking about how she takes cash advances on her credit cards to pay for her daughter's $450 A WEEK tumbling camp. - One lady who makes, at most, 28k a year talking about buying a brand new truck for "only 179 a month." When asked how much she paid for it, she said "I don't remember what it was. Like 25 or 35 thousand I think? I just know it is $179 a month." - A 28-year old who lives with her parents, but is broke because she spends hundreds of dollars a month on a physical therapist and acupuncturist for her carpal tunnel syndrome (it's possible that the PT is medically necessary, but who knows.) - Multiple people advising a girl who wants to buy a house soon that she should always carry a balance on her credit cards to improve her credit score. - Discussions about various supplements that "clear out toxins and reduce belly fat" and how great they have been working. - People talking about how everyone needs to avoid investing in the employee 457(b) plan because they take some of your money out for fees and the stock market is a casino. Instead invest in a rental property for retirement because rent is consistent every month and gives you money, while stocks and fund managers take money away from you. - Tons of people talking about their friends and family members who got rich by selling gold and how they had heard good things. - Some lady suckering in multiple people to buy Mary Kay products and become partners. She tried to sell me men's shaving cream that was $12 a can. - Lots of hot stock tips about investing in virtual reality, guns, solar companies, Tesla, "computers", and lithium mines; all of which "are the next big thing." I felt like a huge rear end in a top hat trying to advise some of these people to not make terrible decisions and decided to just shut up after my second "actually..."
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Aug 25, 2016 19:40
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Leon Trotsky 2012 posted:We had an employee cookout / lunch today and it was filled with so many BWM anecdotes that I assume some people had to be making them up just to fit in. And this is why the statistical average American is broke as gently caress.
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Aug 25, 2016 19:41
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“Think of how stupid the average person is, and realize half of them are stupider than that.”
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Aug 25, 2016 19:48
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Phone posted:Yeah, I would do it to mine if it didn't require pulling apart the entire dash. It's not hard, but the effort:reward is so low and I don't have issues misjudging the size of my already small car with no roof. I've got a nasty puncture wound on the lower left side of my Kia and I fully acknowledge I am below average in parking. My next car is going to beep, bong, and automatically brake at any and all obstacles I might careen towards.
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Aug 25, 2016 19:52
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VendaGoat posted:“Think of how stupid the average person is, and realize half of them are stupider than that.” How stupid the median* person is! Also, the lady who makes 98k a year and is taking cash advances for her daughter's $450 per week (two weeks a month, so $900 a month) tumbling camp has a J.D. and is married to a VP at a regional bank that I assume also makes good money. I have no idea what is going wrong with their finances.
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Aug 25, 2016 19:53
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Leon Trotsky 2012 posted:How stupid the median* person is!
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Aug 25, 2016 19:58
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Leon Trotsky 2012 posted:VP at a regional bank Everybody at a regional bank above "branch manager" is likely a VP, especially if they're customer facing.
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Aug 25, 2016 20:06
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Jeffrey of YOSPOS posted:GWM: Not giving your cash-advancing wife access to your family's savings Maybe, but it seems like she runs the household. I'm not sure if that is the case. My office is very polarized educationally and is majority female. About 60% are single women (many single moms) with a high school education who are making around 24-28k a year. The other 40% are also mostly women, but usually married or no kids and have M.A.s, J.D.s, and Ph.Ds. The terrible financial habits span all income ranges and there was even a weird semi-sexist conversation about it too. I tried to steer some of them away from terrible ideas and most of the women there said that they didn't know much about finances because they are women and it shouldn't be something they have to worry about and nobody ever taught them. A lot of them seemed to accept that they were not great with money, but thought they were at least average or above average. I have no idea how people are raising a kid on 24k, let alone with such terrible financial habits or how a household with an income of close to 200k a year needs cash advances. Subjunctive posted:Everybody at a regional bank above "branch manager" is likely a VP, especially if they're customer facing. Well, maybe he makes less than I thought. But I still know for a fact that she is just a hair shy of 100k a year, so the bewilderment still stands.
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Aug 25, 2016 20:10
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It's still not GWM, but my credit card when I worked at a bank had no fee cash advances and a 10% APR. She might be using it like an ever revolving line of credit that they pay off each month.
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Aug 25, 2016 22:45
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Bad with someone else's money at work: Due to a processing error, we accidentally deposited about $100,000 with of stock into the wrong account. Usually we'd just reverse it right away but because of some technical issues with the type of stock it couldn't be done same day. The recipient of this windfall, instead of realizing this was probably a mistake and calling us, immediately SOLD all of it and then tried to transfer it out of the account ASAP. We did manage to stop him from transferring the money out but unfortunately due to changes in the stock market repurchasing the shares resulted in a $12,000 loss. A loss that mister 'Bank Error in My Favor' will need to repay.
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Aug 26, 2016 00:33
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Had a friend do something similar to that. Checks his account balance and finds an extra three grand in it. Closes the account and proceeds to blow the cash on anything and everything. The bank caught its error and asked, very nicely and professionally for him to return the money. No threat of law enforcement, just a simple, "Yo, we caught this poo poo, we know what you did, just give it back." Dumb rear end ignores it until the sheriff comes to his house, with a bench warrant and arrests him.
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Aug 26, 2016 00:45
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Zero One posted:Bad with someone else's money at work: I'm curious on how the guy is liable for the loss. And did you guys try to call him? TLG James fucked around with this message at 01:47 on Aug 26, 2016 |
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Aug 26, 2016 01:45
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He owes them X number of shares of stock. The stock price changed. He might even have brokerage fees associated with the sale.
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Aug 26, 2016 02:02
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TLG James posted:I'm curious on how the guy is liable for the loss. He's liable for the loss because he's a loving idiot and sold the shares. Just because something ends up in your account by accident does not mean it is yours. What is worse is that he made his intent clear which is that he intended to run with the money. If he left the shares there for a year and didn't touch them his intent would be very different.
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Aug 26, 2016 02:53
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