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Steve French posted:Is using a notary some state specific thing also? I’ve never used or thought about using a notary for a title transfer Yep, it's totally a PA title thing. When I buy a car in NJ all I need is for the seller to sign the title, then it's accepted by PA for the transfer because they can't force other states to do their stupid thing. For some reason PA really loves making you get things notarized. I've heard it was a push in the pre-internet days to allow for mail submission of stuff for the rural pennsytucky people who didn't have gov offices nearby.
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Nov 11, 2023 21:58
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Motronic posted:Yep, it's totally a PA title thing. When I buy a car in NJ all I need is for the seller to sign the title, then it's accepted by PA for the transfer because they can't force other states to do their stupid thing. Interesting. What does it look like to buy a car in PA without meeting the seller in person with a notary? Each party separately notarizes?
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Nov 11, 2023 22:12
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Steve French posted:Interesting. What does it look like to buy a car in PA without meeting the seller in person with a notary? Each party separately notarizes? Technically the buyer and seller are supposed to be there in person together to both sign the back of the title in front of a notary. In reality the seller signs the title and you go to a shady private vehicle services place that exists to process this kind of paperwork and you sign the title there as the buyer and they notarize it. I suppose the fiction is that they are only notarizing your name but it gets accepted. Car dealerships don't need to take ownership/title when selling so they don't have to deal with any of this bullshit. It's also super onerous to get licensed as a dealer as some people do in other states to facilitate their shitbox empire. The car dealer lobby is strong here. They want all of this to be so burdensome that you just give up and trade your car in and buy another one from a dealer.
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Nov 11, 2023 22:30
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Ethics_Gradient posted:Are those Carfax resellers, or alternatives? There's a whole gamut of alternatives out there, Autocheck is supposed to be pretty good (and half the cost) but may not catch everything a Carfax does. Pretty sure they're resellers.
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Nov 12, 2023 04:33
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UPS stores notarize poo poo. Could just bring it there when you sign it as the buyer.
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Nov 12, 2023 05:57
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I've never ever had an issue getting something notarized Of note if you don't live in a super rural area my experience is that you can get a mobile notary to show up on site within an hour and notarize everything for under a hundred bucks. All of our mortgage stuff, a notary just showed up to our house and we signed it on the living room table
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Nov 12, 2023 07:30
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Ethics_Gradient posted:Oh yikes, that is weird and crappy. I had no idea a lein on something else could stop someone from transferring a title. Is that state-specific or a general thing? This is AZ and I think it was specifically a child support or other government-issued lien. While I doubt it's universal I also don't expect that Arizona is somehow the only state that has that as a possibility. But, validating the title with the state here at least checks against that as well. AZ's title process used to be heavily notary-based as well, but they only care about it for identifying the seller. So in theory you could get handed a notarized and correctly-signed title from the seller and go get it transferred on your own. In practice - the very next used vehicle I bought, the seller's notary checked the wrong box and scribbled/initialed the error. MVD wouldn't accept it so I had to get the seller to come with me in person and verify their ID with the MVD. AZ is pushing electronic titles hard now, but I haven't had reason to issue a title since that went into effect. Now it's theoretically possible, for a seller/buyer who are both the only people named on the title, to do the title transfer yourself online. With all that aside, Elements are dead reliable. I think they're on the overpriced side because the people who want them really want them. To be fair to Element enthusiasts, they are a one-of-one vehicle if you want the most utilitarian cargo box possible that is powered by the most reliable drivetrain Honda has ever made. They're just embiggened CR-Vs with rubber interiors.
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Nov 12, 2023 21:00
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IOwnCalculus posted:AZ is pushing electronic titles hard now, but I haven't had reason to issue a title since that went into effect. Now it's theoretically possible, for a seller/buyer who are both the only people named on the title, to do the title transfer yourself online. Electronic titles make a lot of sense... having a magic piece of paper when everything is stored electronically in a database anyways is kind of weird IMO. An Element would be perfect for my secondary use (mobile darkroom), they've definitely been on the shortlist, and I've seen lots of high mileage examples for sale. Is the CRV also pretty reliable, or does it have the auto trans issues a lot of the other Hondas in the 00's had? I may yet have to settle for a Prius though, got a job interview early next week but it's potentially a 20 mile commute each way. The pay is not good (58k with a Master's, and no raises for 2 years), but that's teaching in CO for ya.
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Nov 12, 2023 22:05
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All early-'00s Honda automatics are questionable but much less so when paired with a four cylinder, which is the only engine in an Element or a CR-V. Things got much better in the mid-'00s and I wouldn't worry much about them. Design-wise I'm pretty convinced that the Element/CR-V is unassailable from a reliability perspective, but these are ~15 year old vehicles you're talking about. How they have been treated for the past 15 years is a much bigger factor in reliability than how Honda built them new.
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Nov 12, 2023 22:33
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IOwnCalculus posted:All early-'00s Honda automatics are questionable but much less so when paired with a four cylinder, which is the only engine in an Element or a CR-V. Things got much better in the mid-'00s and I wouldn't worry much about them. My only direct experience with an earl 00s honda automatic behind a 4 cylinder that was misbehaving was because someone brought it to a jiffy lube and let them "flush" the trans, which they refilled with dex/merc instead of the correct honda fluid. Refilling it with the correct stuff worked fine. I can't imagine many early 00s honda automatics behind 6 cylinders exist anymore because every one I recall coming into contact with including the MDX beater I had for a while were slipping in first gear/had to be started shifted to second/straight up dead.
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Nov 12, 2023 22:36
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If Ford is offering 0.9% financing on 36 month loans for excellent credit, and the market rate is like 5-6%, who is losing the money on that deal? Even if you have the cash to pay outright, seems like the loan is a no-brainer.
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Nov 13, 2023 16:16
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smackfu posted:If Ford is offering 0.9% financing on 36 month loans for excellent credit, and the market rate is like 5-6%, who is losing the money on that deal? Even if you have the cash to pay outright, seems like the loan is a no-brainer. Ford is "losing" money to shift inventory. Call it a discount. It's exceptionally common for manufacturer finance to be below market rate. We've just had about a decade of fairly available 0% manufacturer financing.
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Nov 13, 2023 16:25
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Through Ford Credit? Since Ford still owns Ford Credit, it is an opportunity cost absorbed by the bank to help move stock. If the accounting works out, the sales department may subsidize it but I think it's usually better for the bank to be the whipping boy than sales to incur more sales COGS. Through dealership partner? Usually still opportunity cost as depending on their relationship they get offers from their partner banks a few points below market rate and they get to keep any points they pressure sell you on as commission. If they'd rather sell through you get the reduced base rate. If it's an exceptionally bad year again they can subsidize for even lower rates and it would hit someone as COGS. zedprime fucked around with this message at 16:56 on Nov 13, 2023 |
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Nov 13, 2023 16:35
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When you say "dealership captive" what exactly do you mean there? I've always heard "captive" as OEM credit arm eg Ford Motor Credit, Volkswagen Credit International etc. Dealers don't typically have captive finance, they have lending partners which are independent 3rd parties offering loans. (unless Sonic/Group1/Lithia/whomever has gotten up to some antics I don't know about) Or they're a BHPH in which there is really no distinction at all where the dealer IS the finance company.
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Nov 13, 2023 16:51
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KYOON GRIFFEY JR posted:When you say "dealership captive" what exactly do you mean there? I've always heard "captive" as OEM credit arm eg Ford Motor Credit, Volkswagen Credit International etc. Dealers don't typically have captive finance, they have lending partners which are independent 3rd parties offering loans. (unless Sonic/Group1/Lithia/whomever has gotten up to some antics I don't know about) Or they're a BHPH in which there is really no distinction at all where the dealer IS the finance company. This is my understanding as well. And they make their money by marking up the interest rate as well as getting an origination fee/kickback.
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Nov 13, 2023 16:54
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KYOON GRIFFEY JR posted:When you say "dealership captive" what exactly do you mean there? I've always heard "captive" as OEM credit arm eg Ford Motor Credit, Volkswagen Credit International etc. Dealers don't typically have captive finance, they have lending partners which are independent 3rd parties offering loans. (unless Sonic/Group1/Lithia/whomever has gotten up to some antics I don't know about) Or they're a BHPH in which there is really no distinction at all where the dealer IS the finance company.
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Nov 13, 2023 16:57
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Yeah it was directly through Ford Credit. The main negative of financing when you can pay cash is just that financing adds a lot of steps to the process at the end. OTOH much more likely they will let you drive the car away rather than waiting for funds to clear.
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Nov 13, 2023 17:12
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Omg someone tried to steal my Kia last night. I blame TikTok for this! It’s a manual plus I have a club, so I think after they broke a window they took a look and decided to pass.
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Nov 13, 2023 17:44
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smackfu posted:Yeah it was directly through Ford Credit. Maybe that's cheating though because after writing it down that looks like a more fun process than what actually happens in the finance office.
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Nov 13, 2023 18:06
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remigious posted:Omg someone tried to steal my Kia last night. I blame TikTok for this! It’s a manual plus I have a club, so I think after they broke a window they took a look and decided to pass. Social media was a mistake
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Nov 13, 2023 18:09
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zedprime posted:These priorities are slightly alien to my approach to capital financing. I would gladly write a 13 page missive that is mailed and processed over 3 months to avoid making $30k instantly non-liquid. Oh we still took the loan, it just sucked.
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Nov 13, 2023 19:36
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if someone is gonna offer you financing for a sub-inflation interest rate it's generally a good idea to let them
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Nov 13, 2023 23:15
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KYOON GRIFFEY JR posted:if someone is gonna offer you financing for a sub-inflation interest rate it's generally a good idea to let them Unless, and this is a thing for captive finance, you are losing cash incentives to take the financing and you can make more on that money in generally accepted safe investment like index funds or whatever.
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Nov 13, 2023 23:41
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Motronic posted:Unless, and this is a thing for captive finance, you are losing cash incentives to take the financing and you can make more on that money in generally accepted safe investment like index funds or whatever. For sure. Gotta run the numbers.
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Nov 14, 2023 00:20
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I Bought The Prius. Turned out it was being sold by the local Toyota specialist (was their former courtesy car). Customer was told it needed a new hybrid battery in late 2021 and balked at the cost, so shop bought it from him and installed a new OEM Toyota battery (!), which is normally a 4k job for them, plus did a full 120k service on it. Toyota weren't kidding about those mpgs with a fresh OEM battery,  . The shop was finding with hail and such that insurance was getting unmanageable so decided to offload all their loaners. It's an '06 with 205k on the dial but not too worried, aside from two back tyres that are due up for replacement and possibly having a tiny bit of water ingress in the back hatch (found a wee bit by the spare tyre, but had just been through a car wash) I couldn't find anything mechanically wrong with it at all. Stops on a dime, tracks straight as an arrow, no weird noises, etc. Definitely some dings here and there but passes the 10' test, and it's not like anyone gives a Prius close scrutiny anyways. Bonus was having the cat shield installed already, wasn't relishing the prospect of doing it with jackstands in my apartment's carpark. Ethics_Gradient fucked around with this message at 04:12 on Nov 17, 2023 |
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Nov 17, 2023 04:08
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So you essentially bought a rental. Best of luck.
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Nov 17, 2023 13:53
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Well we’ve been delayed for months now, but it appears that next week I will actually be purchasing a 2023 Toyota Rav4. We had hoped to get the dealer to add in tires on rims, as the process was delayed by the sales guy (long story short, he gave away the car marked for us, so we had to wait longer), however we had friends who bought recently and they couldn’t even get car mats out of their guy, who had a take it or leave it, I have other customers attitude. What should I expect going into this? What would be a realistic ask?
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Nov 20, 2023 01:53
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I would expect them to sell the car out from under you again while you're talking to the manager about coupons. These are people not really interested in you personally considering what happened earlier so I'd be looking for ways to minimize interacting with them like going to a completely different dealer or at least just closing the transaction and getting the gently caress out forever.
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Nov 20, 2023 02:03
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The market isn't what it was 2 years ago, but if you are going for a highly in-demand vehicle like a Rav4 and you're dicking around about car mats you are going to have a bad time.
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Nov 20, 2023 02:22
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Internet Explorer posted:The market isn't what it was 2 years ago, but if you are going for a highly in-demand vehicle like a Rav4 and you're dicking around about car mats you are going to have a bad time. While in whole of course I agree with you, there can be a line past which I would dick around. Dealers and manufacturers love to drum up profit with these massive margin items like mats. $500 for a set is not uncommon, past that and you’ll start to get people talking about walking on the deal like what’s happening here. And they won’t even take them out lol. Raking it in.
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Nov 20, 2023 02:32
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My read of it was that they were trying to get mats included in the deal for free. Yes, if they are trying to screw you over by including car mats at a huge markup, then treat it like them trying to screw you over in any other way. But if you're trying to get an in-demand car, is your sanity worth a free set of car mats? You can get perfectly good ones, possibly even better than the manufacturer, for a reasonable price and go about your life.
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Nov 20, 2023 03:32
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Yeah, I was referring to getting stuff for free. For example, pre-COVID we had a friend who got tired on rims as an addition when she got a car. I’m guessing that is not going to happen in my case.
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Nov 20, 2023 10:06
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Why does the dealer need to sell this car to you rather than any other customer? You have zero negotiating power here and I’m baffled that you think you do. You can ask for floor mats but it’s begging not negotiating. As an aside: OEM all weather floor mats are pretty good these days and generally not much more expensive than say weathertech
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Nov 20, 2023 14:43
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Just FYI that Weathertech is an active political contributor to very right wing politicians. https://www.opensecrets.org/orgs/weathertech/recipients?cycle=2020&id=D000091477 Not just Founder/CEO, but as an org. Still pouring money into Trump affairs, last I checked.
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Nov 20, 2023 19:32
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On our 2023 Ford Escape, the OEM all-weather mats were $200. That’s almost the same as the ones we bought for my mom on Amazon for her Tesla. They just threw them in the rear when they shipped it to the dealer, and they didn’t install them until delivery to us. A bit silly to be on the window sticker.
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Nov 20, 2023 19:38
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I''ve had TuxMat in some of my cars. I liked them better then weathertech.
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Nov 20, 2023 21:07
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Tuxmats are the hot new mats to get. More coverage, better material, and look nicer. I’m never buying WeatherTech again. 3DMaxpider are also a decent choice.
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Nov 20, 2023 21:07
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Yeah Tuxmats and 3DMaxpider are way better than Weathertech. Weathertechs are too hard and it makes them look and feel cheap.
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Nov 20, 2023 21:45
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Nitrox posted:Just FYI that Weathertech is an active political contributor to very right wing politicians. Yes, this is our shame in Illinois. They are headquartered in a Chicago suburb -- some of our rings of suburbs trend hard right. Halfway decent products tho.
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Nov 20, 2023 21:53
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Nitrox posted:Just FYI that Weathertech is an active political contributor to very right wing politicians. Haha, no way! I've admired my FiL's WeatherTech mats in his Subaru and was thinking of getting some, although my Prius came with some servicable alternative ones so had largely decided against it unless a really good deal came up on Marketplace. Can't wait to bring this up at Thanksgiving (he's very much on the left politically, and has a good sense of humour) 
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Nov 20, 2023 22:15
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