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psydude posted:You can sometimes use this to get additional cash rebates. When I bought my car a few years ago, Ford offered me a $3,000 instant rebate to use their financing (which was something stupid like 8.5%). I had to keep the loan for 90 days, after which I immediately refinanced at 1.99% through USAA. Except CarMax charges all of their interest upfront. So if you accept financing through them they automatically add all of the interest to the principal and you are so upside down on the loan, no one will refinance you. It'd be silly to try anyway, since it would mean you pay interest twice. My wife works at Navy Fed and sees half a dozen people a week trying to refinance Carmax loans.
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Aug 18, 2019 16:08
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Oooh that’s tricky!
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Aug 18, 2019 16:12
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Fallom posted:Hah, I bought a car a few months ago and the dealership tried to scam me on the financing. They said their only options were 5%+ for an 800+ score. I applied for USAA loan right in front of them and got 3%, after which the finance guy visibly soured and said he magically found a list of companies offering 3.5%. That is done, once again, for the dealer reserve. Their banks were offering 3% (or less) for an 800 score. This is part of why cash purchases do not have as much negotiating power as financed ones. This can be used to your advantage if you have the cash to pay off the loan immediately (or refinance) because the dealership gets their reserve regardless.
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Aug 18, 2019 16:19
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Vasudus posted:I'm taking out another credit card because it'll increase my score. Probably gonna go with the Amazon card and just put all my purchases on there. Welcome, brother. I'm on pace to be done in December (minus car/house), but realistically that doesn't account for Christmas and some other stuff (gonna drop a couple grand in vehicle repairs that have been put off for a while), so February is probably my actual "holy poo poo that boat anchor is gone" month. Then I can start rebuilding the retirement I cashed out a while back.  Nostalgia4Ass posted:Except CarMax charges all of their interest upfront. So if you accept financing through them they automatically add all of the interest to the principal and you are so upside down on the loan, no one will refinance you. It'd be silly to try anyway, since it would mean you pay interest twice. I've never heard that before...I'm not really the type of person who's gonna buy from carmax anyway, but that's really good to know. My first new car was financed through Ford, but I was a 21 year old college student and 4.9% was not bad at all. When I bought the Jeep, I told them USAA was offering like 2.9% but if they could beat it I'd go with theirs...they actually did (BoA, which I later refinanced to a credit union), and I realized later that the 2.9% I threw at them was for 800+ credit scores (not me) and some stupid long term loan (also not me). The Volt is financed through Navy Fed, because just like with the mortgage, they beat USAA's rate by half a point. Godholio fucked around with this message at 17:17 on Aug 18, 2019 |
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Aug 18, 2019 17:12
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Duzzy Funlop posted:Hong Kong protesters stepping up their game and lazing some eyeballs I wouldn't expect a CGTN video to say so, but even it shows that protesters are using the laser pointers to interfere with all the cameras pointed at them from police lines and surrounding buildings. The cops themselves are not the target.
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Aug 18, 2019 18:16
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Mr. Nice! posted:That is done, once again, for the dealer reserve. Their banks were offering 3% (or less) for an 800 score. This is part of why cash purchases do not have as much negotiating power as financed ones. Yeah I realize the point is to earn the dealer more money but instead of offering me a deal they just copped a lovely attitude over my shopping around. Still better than the Toyota salesman who approached me in the parking lot, talked me up, and then abruptly canceled my test drive when I compared prices to other dealers. Maybe salesman actually try to negotiate in other markets. Here it seems so busy that if you don’t act like a mark they just tell you to gently caress off and wait for somebody else to come along. Tiny Timbs fucked around with this message at 18:36 on Aug 18, 2019 |
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Aug 18, 2019 18:33
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Aug 18, 2019 18:42
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Narrator: “They didn’t do poo poo”.
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Aug 18, 2019 18:49
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Last time I looked at cars my friend who was driving me looked as shocked as if I had just dropped trou and poo poo in the floor when I walked out of a dealership that wouldn't move from their sticker price on a used Mazda 3 that had been on their lot over a year. A lot of people really do think you're supposed to give the sales guy a blowjob so they'll let you buy a car, I don't understand how we got to this point but the lack of education on basic negotiation tactics in american schools is shameful. In conclusion everyone please read this book https://www.amazon.com/Bargaining-Advantage-Negotiation-Strategies-Reasonable/dp/0143036971 shame on an IGA fucked around with this message at 18:55 on Aug 18, 2019 |
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Aug 18, 2019 18:51
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I mean it's completely by design just like the active sabotage of critical thinking skills, but still, c'mon, jesus.
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Aug 18, 2019 18:53
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shame on an IGA posted:lack of education on basic negotiation tactics in american schools is shameful. I'm genuinely curious what your comparison to this is, because I'm not aware of any other primary or secondary education system that teaches children how to negotiate.
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Aug 18, 2019 18:56
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Fallom posted:Yeah I realize the point is to earn the dealer more money but instead of offering me a deal they just copped a lovely attitude over my shopping around. I used that USAA car buying service at 9pm one night, and my phone blew up with so many instant text messages, emails and phone calls that I just turned it off for the night. I wrote them all the same email: I'm looking for x car, y model, z color, these options, paying cash, if you are not close you don't get an email back. Man, it must be different down here because motherfuckers got some hustle on that poo poo. They flat out told me to email the other quotes and they'll beat them. Free delivery, servicing, whatever the gently caress it took. The dealership that I went with even trucked it in from somewhere else, there were only 3 cars in that specific combination in the entire state according to the mazda site, confirmed by some of the sales people. One obviously didn't even look because they tried to sell me a different one they had in the lot so they got the axe pretty quick. poo poo's cut throat in my hood.
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Aug 18, 2019 18:57
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There's none and I can say we're doing a terrible job without implying anywhere else is doing any better.
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Aug 18, 2019 18:58
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Current event: We not only lost the cold war, we also lost WWII https://twitter.com/The_Sourkraut/status/1162590433748426752?s=19
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Aug 18, 2019 19:36
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Fallom posted:Yeah I realize the point is to earn the dealer more money but instead of offering me a deal they just copped a lovely attitude over my shopping around. people that aren't idiots aren't worth the commission
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Aug 18, 2019 19:53
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Textbooks 500 years from now: "In the second dark age, our ancestors were obsessed with loving. They hosed themselves, they hosed each other, they even left this plaque to say that they were loving us. And that's why every April 1st we piss on grandpa's grave."
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Aug 18, 2019 19:58
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ElMaligno posted:Current event: Thanks. I hate it.
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Aug 18, 2019 19:59
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ElMaligno posted:Current event: 
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Aug 18, 2019 19:59
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Poor fuckin' Iowa
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Aug 18, 2019 20:07
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Duzzy Funlop posted:Poor fuckin' Iowa On topic: https://nypost.com/2019/08/18/jeffrey-epstein-apparently-bought-womens-panties-while-in-jail/
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Aug 18, 2019 20:17
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As the resident king weeb, those iowa pictures are biblical levels of awe inspiring fear.
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Aug 18, 2019 20:27
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gschmidl posted:New Zealand‘s tax authorities have deemed it legal for companies to pay its employees in Bitcoin and other cryptocurrencies. Companies will also be able to deduct income taxes using current PAYE (pay as you earn) frameworks under the Income Tax Act 2007.
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Aug 18, 2019 20:33
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The details surrounding Epstein's 13 month "jail" stint are loving mindboggling 
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Aug 18, 2019 20:35
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not caring here posted:I used that USAA car buying service at 9pm one night, It's just truecar. Edit: When I used it on the Volt, yeah I got a ton of emails, but not one of them was more than about $500 below MSRP. One was about 2k ABOVE.
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Aug 18, 2019 20:37
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ElMaligno posted:Current event: wtf
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Aug 18, 2019 20:51
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You aren't the only person thinking that.
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Aug 18, 2019 20:57
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ElMaligno posted:Current event: 
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Aug 18, 2019 20:59
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Godholio posted:It's just truecar. Yeah, it's just handy when you've already go it linked to an account. First round of offers I had a few that were 3k under MSRP, but I ended up with 4 and change off, plus some free stuff. So it worked good for me. Electric cars really are a weird thing to shop for. I dunno whether it's a supply / demand thing, low margins, or just manufacturers telling dealers to tighten up a bit, I dunno. You hear about it a lot though.
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Aug 18, 2019 21:27
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https://twitter.com/HerbCarmen/status/1163135693608161281?s=19 RIP AFPAK Hands, never met an officer that wasn't voluntold to it and then resigned or grudgingly do it being so close to retirement
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Aug 18, 2019 22:48
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Hm. Got a buddy with them right now. I don't know if he was non-voled into it or not, but he is close to retirement.
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Aug 18, 2019 23:41
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Godholio posted:Hm. Got a buddy with them right now. I don't know if he was non-voled into it or not, but he is close to retirement. An AF O I used to work around stopped saying he did Hands as people quickly made assumptions about him. Guess I don't blame him
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Aug 19, 2019 00:00
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Reply isn't edit
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Aug 19, 2019 00:00
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Nick Soapdish posted:An AF O I used to work around stopped saying he did Hands as people quickly made assumptions about him. Guess I don't blame him What are the assumptions
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Aug 19, 2019 00:12
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Milo and POTUS posted:What are the assumptions That you didn't have the dignity to quit instead
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Aug 19, 2019 00:50
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Arc Light posted:That you didn't have the dignity to quit instead I'm gonna need some context for this reads article
Smiling Jack fucked around with this message at 01:21 on Aug 19, 2019 |
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Aug 19, 2019 01:19
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"Hey so we're going to send you cranking until you quit."
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Aug 19, 2019 02:05
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Thus ends a program that never did what it claimed to be able to do. And I'm not just disgruntled because it came around my workplace and got a good half dozen of my friends to separate. Good thing they all came in to work the next week wearing guard patches!
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Aug 19, 2019 06:02
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Comrade Blyatlov posted:Kiwi Bitcoin Yeah, but maybe it's better than bartering Uggs or using those pretend dollars like the Aussies or Canucks have. Probably not. Anyone can print Monopoly money. And you can use it to buy more goods and services than with bitcoin. Nick Soapdish posted:https://twitter.com/HerbCarmen/status/1163135693608161281?s=19 Huh. How about that. Maybe someone will learn from our mistakes.
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Aug 19, 2019 06:31
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I wonder how many local heavy infrastructure construction contractors bailed back to the US with millions of dollars they wired out of AF through Switzerland and into Pasadena real estate
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Aug 19, 2019 06:57
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Whatever happened with that facebook livestream shooting thing in philly a few days ago? I remember it was happening and then it just went away so im assuming noone was shot
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Aug 19, 2019 07:33
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