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Best with money and cars is to be a volunteer corner worker with the SCCA. Free track time, lessons (because young people don't come around often so everyone wants to be a mentor), and you get to put the sticker on your car. Mechanics don't tend to gouge other "car people".quote:My boyfriend backed into a parked car in a full driveway today while delivering food. He exchanged information with the car owner, but is unsure as to whether or not his insurance is up to date. The damage done is all superficial, but looks to be at least $1000 in body work should the owner pursue a claim. https://www.reddit.com/r/personalfinance/comments/5k0w5v/hit_a_parked_car_while_uninsured/ Just moved to FL and my girlfriend and I will both need to lease a car posted:Her credit is sub-600, mine is 700+. I've offered to co-sign her car lease (otherwise she can't afford the payments for the car). Not worried about her running off or our ability to pay the lease. https://www.reddit.com/r/personalfinance/comments/5kix88/just_moved_to_a_state_fl_where_my_girlfriend_and/ Switchback fucked around with this message at 17:42 on Dec 28, 2016 |
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Dec 28, 2016 17:27
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Switchback posted:and you get to put the sticker on your car. Mechanics don't tend to gouge other "car people". Of course they do, half the tuning/mod/track scene is straight up stealing money, there's so much bullshit in that world it boggles my mind. I went to a dyno day with a bunch of those car guys and somehow they are happy with spending $1200 on a sick new downpipe and muffler and then another $800 for a professional tune on a dyno and somehow their BHP went down by 5 but they still posted so many sick instagram photos so it was worth it! I'm not sure why I'm contributing to car chat. I blame whoever changed the thread title to include the word corvette, that bait is just too tempting. Pryor on Fire fucked around with this message at 19:08 on Dec 28, 2016 |
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Dec 28, 2016 19:06
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Where do low down payment houses with USDA loans fit in here? One of my co-workers who can't be more than 25 (probably less) bought a house in a cheap rural area with a USDA loan and 1% down. I know that's ridiculously BEAM normally, but I'm not sure how USDA loans differ from normal mortgages.
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Dec 28, 2016 20:19
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Geez, 100% financing available and can't have more than 115% of the median income for the area they're purchasing in? Sounds like a BWM recipe for disaster. edit: I don't know how this works. I can't afford a mortgage where I live now, but according to the USDA website I make too much money to qualify for that program.
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Dec 28, 2016 20:50
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ate all the Oreos posted:I wonder if that poo poo is reported in the ODBCII port that'd be neat to chart... That standard is pretty old and intended for annotating error states. Progressive Insurance has that Snapshot program where they plug a gadget (that can detect hard braking incidents) into your OBD port to Big Brother your driving, but I assume it just has its own accelerometer.
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Dec 28, 2016 21:04
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Krispy Kareem posted:Tell that to the mortgage agent in 2005 when I was refinancing my house. Most net worth calculations are a load of bullshit. melon cat fucked around with this message at 23:38 on Dec 28, 2016 |
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Dec 28, 2016 23:31
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JUST MAKING CHILI posted:Geez, 100% financing available and can't have more than 115% of the median income for the area they're purchasing in? Like most subsidized programs there's a steep eligibility cliff and a huge donut hole where you could benefit from the program but are too rich to qualify
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Dec 29, 2016 00:01
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quote:car chat 
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Dec 29, 2016 00:37
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I want a breast cancer awareness Disney Princes hat.
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Dec 29, 2016 00:49
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kimbo305 posted:That standard is pretty old and intended for annotating error states. Progressive Insurance has that Snapshot program where they plug a gadget (that can detect hard braking incidents) into your OBD port to Big Brother your driving, but I assume it just has its own accelerometer. I have one from Liberty Mutual. I think it uses your phone's GPS. It's annoying as hell as accelerating faster than 7 feet per second dings and it's really difficult to not go that fast when merging into traffic from a stop.
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Dec 29, 2016 01:14
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quote:car insurance ding dongle chat 
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Dec 29, 2016 01:16
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It's about money, drat it! It might even be bad with money if my insurer uses the driving data to increase my rates.
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Dec 29, 2016 01:26
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Like that hasn't been the plan all along 
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Dec 29, 2016 01:59
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kimbo305 posted:That standard is pretty old and intended for annotating error states. Progressive Insurance has that Snapshot program where they plug a gadget (that can detect hard braking incidents) into your OBD port to Big Brother your driving, but I assume it just has its own accelerometer. The port has access to the CAN bus and everything is on the CAN bus. I have an ODBCII reader that connects via bluetooth and shows me all sorts of random sensor values my car is dumping to the thing, it's really cool.
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Dec 29, 2016 02:12
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Krispy Kareem posted:I have one from Liberty Mutual. I think it uses your phone's GPS. I'm just going to let Geico keep their lovely and flattering actuarial assumptions about my driving until they force me to have some phone app or dongle
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Dec 29, 2016 02:14
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BEHOLD: MY CAPE posted:I'm just going to let Geico keep their lovely and flattering actuarial assumptions about my driving until they force me to have some phone app or dongle State farm is the best of both worlds. You can either get a dongle or self-report my odometer. I just self-report everything because screw that black box.
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Dec 29, 2016 02:28
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Liberty Mutual gives you the fancy iPhone compatible OBDII to keep so there's that. I think I'm on track to save about 12%. But considering I'm not insuring a 16 year old that's actually real money.
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Dec 29, 2016 02:39
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BEHOLD: MY CAPE posted:I'm just going to let Geico keep their lovely and flattering actuarial assumptions about my driving until they force me to have some phone app or dongle Huh, you too? Geico has been the cheapest car insurance company for me, almost to a ridiculous level. When I had my GTI I paid $200/6 months for comprehensive/enough liability to drive through a preschool during recess.
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Dec 29, 2016 03:45
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Dec 29, 2016 03:56
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Is that caviar stuffed into a halved cantaloupe?
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Dec 29, 2016 04:24
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Solice Kirsk posted:Is that caviar stuffed into a halved cantaloupe? It is a papaya, the staple of captive toucans.
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Dec 29, 2016 04:29
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Residency Evil posted:Huh, you too? Geico has been the cheapest car insurance company for me, almost to a ridiculous level. When I had my GTI I paid $200/6 months for comprehensive/enough liability to drive through a preschool during recess. I also have Geico, liability-only coverage on my 16yo Camry is $272/6 months. BWM: living in Michigan, which has the highest car insurance rates in the nation. Subsidizing lifetime medical coverage for the uninsured, aww yeahhhhh. (Luckily I don't live in Detroit, I'd be paying another 50% on top of that.)
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Dec 29, 2016 04:31
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I'd be very interested to hear from anyone using Allstate's DriveWise program (mobile app-based driving pattern record).
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Dec 29, 2016 04:33
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Puppy Galaxy posted:So you're working out and getting buff so you are strong to do what? Source your quotes.
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Dec 29, 2016 04:42
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Something awful.com
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Dec 29, 2016 04:48
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C.H.O.M.E posted:Source your quotes. http://www.somethingawful.com/great-goon-database/great-goon-girls/1/ Here you go.
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Dec 29, 2016 04:48
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ate all the Oreos posted:Ok but what do you consider "unplanned maintenance" because some cars need a full engine overhaul at like 100,000 but that's planned so it's okay If you get a testarossa you need to drop the engine out the bottom for an $8,000 timing belt change after every 15,000 miles and that is planned maintenance.
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Dec 29, 2016 04:50
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I dunno I love seeing these birds so it's not really punishment.
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Dec 29, 2016 06:06
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NancyPants posted:I dunno I love seeing these birds so it's not really punishment. https://scontent-sjc2-1.cdninstagram.com/t50.2886-16/15719558_1508537469174890_4268273627578761216_n.mp4 TAKE YOUR PUNISHMENT
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Dec 29, 2016 06:09
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ChickenOfTomorrow posted:https://scontent-sjc2-1.cdninstagram.com/t50.2886-16/15719558_1508537469174890_4268273627578761216_n.mp4 
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Dec 29, 2016 06:31
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We get it. You don't like cars. Feel free to post some content other than your dumb bird over and over. Back to the car chat. My buddy bought a new Chevy 1500 High Country 2 years ago ($55k). He just traded it in for a more sporty looking new Z71 with a ton of upgrades. Pretty sure the trade was purely for looks. Loan Dusty Road fucked around with this message at 07:23 on Dec 29, 2016 |
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Dec 29, 2016 07:17
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If you're going to contribute to a derail, at least post content too. Reddit.com/personalfinance sort by controversial (legal advice is good too). Lame stories are better than no stories.https://www.reddit.com/r/personalfinance/comments/5kly8q/cosigned_on_my_brothers_car_loan_and_he_did_a/ posted:About a year ago my brother asked me to cosign on a car loan for him. Unknowing of the negative consequences that could (and did) happen, I signed because he needed a car to get to work (and I thought I was being a good brother for helping). Fast forward to October of 2016, he was habitually late on all his payments and he racked up a number of tickets on the plates that I assume was under my name. His parents bailed him out with refinancing the loan through their credit union, which should have cleared my name from the debt. However, my credit dropped severely due to the "serious delinquency" of the debt that he was in charge of paying. It's slowly been climbing back up but I'm in a hole and can't get any approval for anything that requires some form of credit. Personally, I'm loving the derail bird. How do those little guys not topple forward?! Dawww   
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Dec 29, 2016 10:31
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Switchback posted:If you're going to contribute to a derail, at least post content too. Reddit.com/personalfinance sort by controversial (legal advice is good too). Lame stories are better than no stories. Hahaha this is the best of both BWM: horses and long lived birds.
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Dec 29, 2016 13:03
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Motronic posted:I'm the car guy who's been driving the 1985.5 (the half year matters) Porsche 944 that he paid $1000 for and put another $3k into over the course of the last 6 years (the overwhelming portion in the first year to get thing back up to snuff). The only thing not included in that figure is fuel. Let me tell you about my hilariously bwm 944 experiences e: to contribute slightly, I probably have spent $8k over the last 13 years on a car that's worth maybe $3k (paint went to poo poo, interior got a water leak and is really musty). I stopped dumping money into it years ago, but I've also been too lazy to sell it and it's been out of sight and out of mind for several years in storage at a relative's house brugroffil fucked around with this message at 15:08 on Dec 29, 2016 |
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Dec 29, 2016 13:57
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At six hundred bucks per year, that sounds like pretty GWM way to have a fun car!
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Dec 29, 2016 16:14
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mobby_6kl posted:At six hundred bucks per year, that sounds like pretty GWM way to have a fun car! brugroffil posted:paint went to poo poo, interior got a water leak and is really musty Nothing more fun than a car with mold!
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Dec 29, 2016 16:44
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mobby_6kl posted:At six hundred bucks per year, that sounds like pretty GWM way to have a fun car! Number of miles driven since 2007 when the timing belt blew and required a top end rebuild is about 100. Last time I drove it I learned the rear brake caliper is partially seized up. At least I realized a while ago that it was pointless to keep sinking money into it.
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Dec 29, 2016 17:07
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Hot tip: If your finances are the post in anyway its a loving lovely post for this thread. Some mild BWM content to keep this thread moving Can afford 41k car? posted:I have a 52-56k a year salary depending on overtime/bonus and with fairly cheap rent for my area($600+ $75 for utils)and I have no debt. Besides that I don't have to pay anything right now except my car insurance. I have a car that I drive now that has a value of about 5-7k trade in and I was going to put $15-20k as a down payment and finance the rest. The car I want is new and priced at 43.6k sticker so I am hoping to get them down to 41k with 2 incentives that I think will apply. I am hoping to finance 48 months or less but I have limited credit history as I do not have a credit card and every house rented, another roommate had the utilities/lease in their name and I am only a year and a half out of college. Will I be strapped for cash?? I know I might have to buckle down in other areas (I have slowed down on going to the bars and whatnot that eats money) but I have never had a good car and would really want something that will last me for many years to come. As of right now my car is a money pit mpg wise and with all of the maintenance it now requires... 200k miles have not treated the ol' tahoe well. Thanks for you help! Feel free to ask any questions that will help clarify my financial situation. EDIT: Thank you all, I really appreciate the advice. But guess I should have said truck rather than car. Its not foreign or luxury(who am I kidding... all trucks are now). A truck will help with work and fit my hobbies more so than a civic or accord.
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Dec 29, 2016 17:50
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brugroffil posted:Number of miles driven since 2007 when the timing belt blew and required a top end rebuild is about 100. Last time I drove it I learned the rear brake caliper is partially seized up. At least I realized a while ago that it was pointless to keep sinking money into it. Well, yeah.....it was kinda built into my statement that these aren't cars to drive unless you're doing (and enjoy doing) your own work. Neglecting maintenance to the point where you're allowing timing belts to snap, not cleaning the sunroof drains/repairing whatever else may be leaking and then complaining you have a seized caliper (it's because you aren't driving it) is doing it all wrong for a car like that. Fortunately that's exactly what most people do with them. So I keep on buying them cheap for parts and/or track cars.
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Dec 29, 2016 17:53
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Motronic posted:Well, yeah.....it was kinda built into my statement that these aren't cars to drive unless you're doing (and enjoy doing) your own work. Neglecting maintenance to the point where you're allowing timing belts to snap, not cleaning the sunroof drains/repairing whatever else may be leaking and then complaining you have a seized caliper (it's because you aren't driving it) is doing it all wrong for a car like that. Oh I know it's entirely my fault for the series of things leading to the car being a POS, though I've done all the work including a clutch replacement and a head gasket when I was 17. So in a round about way, that car was GWM for me because all of that really pushed me towards getting an engineering degree which has lead to a pretty decent career. Thanks, garbage car! I don't know where you're at, but if you're anywhere around Chicago and are interested in a running '83 let me know.
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Dec 29, 2016 18:33
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