Forum Replies Created
-
AuthorPosts
-
August 9, 2012 at 11:17 PM in reply to: Good fact based WSJ article on who pays taxes in America #749956
scaredyclassic
Participantwell, hope im not letting you down, but I kind of feel like doing what seems right to me and not really trying to capitalize on their error. I had agreed to buy the car, so i want to buy the car, and also, i like the car. it feels safe.
I was negotiating just to remove the $80 document prep fee and for them to deliver the old car i left up there.
they agreed late tonight. also, i cannot get another dealership to match the price.
August 9, 2012 at 11:10 PM in reply to: Good fact based WSJ article on who pays taxes in America #749950Participantwhich reminds me…this is kind of actually true even though it’s from the 70’s and the dudes were probably really high when they wrote it…
“Teach Your Children”
You, who are on the road must have a code that you can live by.
And so become yourself because the past is just a good bye.
Teach your children well, their father’s hell did slowly go by,
And feed them on your dreams, the one they fix, the one you’ll know by.
Don’t you ever ask them why, if they told you, you would cry,
So just look at them and sigh and know they love you.And you, of the tender years can’t know the fears that your elders grew by,
And so please help them with your youth, they seek the truth before they can die.
Teach your parents well, their children’s hell will slowly go by,
And feed them on your dreams, the one they fix,the one you’ll know by.
Don’t you ever ask them why, if they told you, you would cry,
So just look at them and sigh and know they love you.August 9, 2012 at 10:35 PM in reply to: Good fact based WSJ article on who pays taxes in America #749938Participantdavelj, i wouldve considered children luxury goods prior to having them.
Now that i have them, it’s clear to me they are absolutely necessary. It was unseeable to me that i wasn’t who I really am without them.
So, no, not a luxury.
I’d rather have them and have a complete crap lifestyle.
They often ask me, pa, how much would you sell one of us for?
When i explain that i honestly would not take a million, or even to their shocka nd chagrin, ONE BILLION DOLLARS, they cannot understand it. Hell, they might even sell me for a billion dollars.Do other kids ask their parents weird questions like that?
how much would you take for me? Assume I’ll be well taken care of, pa, so you don’t have to worry about it. but you never get to see me again. How much?
Dude, I would not sell you.
Sure you would. think of all the money, Pa! Think of it! Wealthy beyond your dreams!
The money would mean nothing, little dude.
ParticipantTonight I kinda feel like giving it back.
ParticipantConfirmed car would be used if dealer took it back. Once registered it is used.
ParticipantIt’s actually all kind of hilarious in a way.
I miss my old car.
I felt more like I was telling the system to go screw itself.
But man it smells bad.
Participantwell…
all auto dealers have probably engaged in shifty tactics at some point.
on the economic decision to buy this car however…
I’m thinking this car is going to cost me the exact same as keeping my 1989 honda civic.
On average, i spend about $100 a month on maintenance for the 89.
that’s $6,000 over 5 years.
This new car will cost me $20,000 over 5 years. that’s $14,000 more.
However in 5 years the new car will be worth about 14,000. the old car will be worth about zero. So I’m even, except for higher registration and insurance (althought he insurance is only $350 a year more for full coverage cause I’m old, safe and scared).
The only reason to keep the old car is if i happen to get lucky for a stretch and have no maintenance.
But i know the car needs struts, an oil pan, and a new tire. that’s $1,000 plus right there. and a radio. say 1200.
and those struts that hold up the hatchback. been dead for years. the hatch comes down like a guillotine. but i kinda like that…
ParticipantTheir view is the .09% was a mistake.
The difference between .9 and .09 is .81, which is not a very large number, as numbers go.
Participanti spent a little whiel trying to research the isue of whether or not this would be a “new” car if the dealer took it back. The common wisdom is that a car becomes used the moment it is driven off the lot. I’m not sure that’s true. The amount of mileage isn’t detemrinative either, i don’t think. I think the title never was transferred from the dealer to the bank, so I think if I give it back they will bbe able to sell it as new and won’t incur as much damage as they would if it were a used car.
but not sure.
in any case that seems like a harsh way to deal with the dealership.
ethically, Im not sure that’s the right thing to do.
Participantevidnetly this clause is used ina scammy bait and switch way by low end car dealers.
You come in to buy a 2001 bmw. I say, hey, I’m going to get you into this car, low payment, no worries, 5.9 percent interest. You give me your trade in, 3,000 down, you drive away. two days later i call you i say, i am so sorry my friend, your credit app was seen as worse than i thought by the bank. They want to charge you 12.9 percent interest. but the good news it only raises your payment by X. the car’s great, right? so you come in and we’ll redo the contract.
the dealers sell the cars knowing they can’t get financing as promised, just to move the deal closer to closing. it’s a used car anyway so they don’t care if the person drives it a few days.
yeesh.
Participantfun fact; car contracts from dealers generally come witha “seller’s right to cancel” clause which they may exercise within 10 days. if they mistakenly give you an accord when they meant to give youa civic they may fix it by cancelling.
Here, their claim is they mistakenly put in .09% instead of .9%. Since they can’t assign the loan, they want to redo the contract. to increase my payment (a small amount), maybe$400 over the life of the loan.
I asked for some small concessions.
I amm not sure what i want to do. I got woke up by my cat in the middle of the night and now this is on my mind.
i would prefer to have just bought the car and not gotten a chance to back out.
glad this didn’t happen with my home purchase.
Participantit’s .9 percent interest, there’s no compelling reason to pay it off.
if the seller exercises its right to cancel the contract we just start over. they get the car back, we cancel the credit app and we are in the smae position we started in.
I am wondering if this is a sign from the Creator of the Universe to just ride my bike to work?
Participanti think in the future i will have less energy.
when i think about it, most of my ideas on money were formed and frozen by pink floyd around 1979.
Money, get away
Get a good job with more pay
And your O.K.Money, it’s a gas
Grab that cash with both hands
And make a stashNew car, caviar, four star daydream
Think I’ll buy me a football teamMoney get back
I’m all right Jack
Keep your hands off my stackMoney, it’s a hit
Don’t give me that
Do goody good bullshitI’m in the hi-fidelity
First class traveling set
And I think I need a Lear jet(Sax and guitar solos)
Money, it’s a crime
Share it fairly
But don’t take a slice of my pieMoney, so they say
Is the root of all evil
TodayBut if you ask for a rise
It’s no surprise that they’re
Giving none away
Away
Away
Away
Away…“Hu Huh! I was in the right!”
“Yes, absolutely in the right!”
“I certainly was in the right!”
“You was definitely in the right. That geezer was cruising for a bruising!”
“Yeah!”
“Why does anyone do anything?”
“I don’t know, I was really drunk at the time!”
“I was just telling him, he couldn’t get into number 2. He was asking
Why he wasn’t coming up on freely, after I was yelling and
Screaming and telling him why he wasn’t coming up on freely.
It came as a heavy blow, but we sorted the matter out”Participantwell, I have a chance to give back the car and start over. the dealer wants to change the contract to .9 percent financing. Maybe this is a sign that I am not meant to buy this car.
-
AuthorPosts
