[zzz]

flinger, i think i looked at truecar when i got my last car, but i also read all the forums on edmunds, kbb, etc to figure out what other people were paying for cars. i didn’t read flu’s car buying guide at the time, but i did basically what he outlined based on previous research i’d done.

my advice is do as much internet research as possible on actual buyers and what they paid, as well as current manufacture rebates, incentives, etc. also, if you plan to ever lease a car, you need to read what the money factor rates are and whether you can get an employee rate, and the residuals. do not lease or buy a car based on the monthly amount, you need to ask for MSRP, the price they are offering you, any other fees in the quote and a detailed breakdown of the cars costs by features ( IE how much are they charging you for the color you chose, trim, packages, etc). in a lease, also money factor, residual, lease term. the more knowledgeable you are, the less likely the salesperson is going to dick around with you and you’ll quickly figure out which sales guys will play ball versus ones who just want to screw with you like you don’t know what’s going on.

if you ever plan to finance a car through a dealership, you need to ask for the rate, and then check it against what’s nationally available. also you need to check the bank fee. dealers love to mark up the bank fee or the best available finance rate that you qualify for. if your credit is stellar, no reason you should not get what is nationally advertised, IE 0% or 1%, etc.

there were a few dealers who’s internet sales department in LA refused to deal with me unless i came in- fletcher jones in LA so i just dropped them. some LA dealers will even drive a car down to you if you don’t feel like going up there. IE House of Imports. also if you have time, you should start a few months before the 2012 cars come out, and then keep checking deals every month. you’ll find the deals might get better and sometimes SD dealers who couldn’t beat the LA prices, start looking more competitive as they get more interested in getting those 2011 cars out, you might find the best deals AFTER 2012 cars are out, but keep in mind inventory gets lower, so you may not get the actual package you want. also, some dealers are willing to do dealer trades to get you the car you want via their dealer. so just because the dealer you want to buy from doesn’t have your car, doesn’t mean they can’t get it. also it might be coming via a new shipment of cars and a good sales guy will check it.

here’s a good guide to read, http://www.carbuyingtips.com/car3.htm

also the fightingchance sight the site references is one a guy i know used to buy a toyota and he found he got his car a few thousand under invoice.

[zzz]

faterikcartman, i’m with you that fad diets don’t work, they tend to be unbalanced, unsustainable, etc. people just don’t stick with it or they become obsessed and consumed by it. i think however its about listening to your body. whatever you feel great eating, versus what makes you feel ill. and everything in moderation and a large variety of foods. i personally stopped eating packaged/processed foods, even though i LOVED a lot of them, because i had severe acid reflux eating certain foods and packaged/processed crap contains way too many ingredients and preservatives. i don’t think popping a pill is the solution, eventually you will develop a disease or cancer with long term chronic inflammation in your GI track. so i simply stopped eating certain foods, stopped taking pills, and my acid reflux went away completely. i also don’t think carbs are bad, i happen to love them, but simply figured out which ones my body digest versus ones i don’t, and stick to those carbs.

other people i know have a gut of steel and can eat anything, and are very healthy. i have older friends who eat whatever they want and they have had 0 health problems. a lot of its genetics and your body type.

[zzz]

faterikcartman, i’m with you that fad diets don’t work, they tend to be unbalanced, unsustainable, etc. people just don’t stick with it or they become obsessed and consumed by it. i think however its about listening to your body. whatever you feel great eating, versus what makes you feel ill. and everything in moderation and a large variety of foods. i personally stopped eating packaged/processed foods, even though i LOVED a lot of them, because i had severe acid reflux eating certain foods and packaged/processed crap contains way too many ingredients and preservatives. i don’t think popping a pill is the solution, eventually you will develop a disease or cancer with long term chronic inflammation in your GI track. so i simply stopped eating certain foods, stopped taking pills, and my acid reflux went away completely. i also don’t think carbs are bad, i happen to love them, but simply figured out which ones my body digest versus ones i don’t, and stick to those carbs.

other people i know have a gut of steel and can eat anything, and are very healthy. i have older friends who eat whatever they want and they have had 0 health problems. a lot of its genetics and your body type.

[zzz]

faterikcartman, i’m with you that fad diets don’t work, they tend to be unbalanced, unsustainable, etc. people just don’t stick with it or they become obsessed and consumed by it. i think however its about listening to your body. whatever you feel great eating, versus what makes you feel ill. and everything in moderation and a large variety of foods. i personally stopped eating packaged/processed foods, even though i LOVED a lot of them, because i had severe acid reflux eating certain foods and packaged/processed crap contains way too many ingredients and preservatives. i don’t think popping a pill is the solution, eventually you will develop a disease or cancer with long term chronic inflammation in your GI track. so i simply stopped eating certain foods, stopped taking pills, and my acid reflux went away completely. i also don’t think carbs are bad, i happen to love them, but simply figured out which ones my body digest versus ones i don’t, and stick to those carbs.

other people i know have a gut of steel and can eat anything, and are very healthy. i have older friends who eat whatever they want and they have had 0 health problems. a lot of its genetics and your body type.

[zzz]

faterikcartman, i’m with you that fad diets don’t work, they tend to be unbalanced, unsustainable, etc. people just don’t stick with it or they become obsessed and consumed by it. i think however its about listening to your body. whatever you feel great eating, versus what makes you feel ill. and everything in moderation and a large variety of foods. i personally stopped eating packaged/processed foods, even though i LOVED a lot of them, because i had severe acid reflux eating certain foods and packaged/processed crap contains way too many ingredients and preservatives. i don’t think popping a pill is the solution, eventually you will develop a disease or cancer with long term chronic inflammation in your GI track. so i simply stopped eating certain foods, stopped taking pills, and my acid reflux went away completely. i also don’t think carbs are bad, i happen to love them, but simply figured out which ones my body digest versus ones i don’t, and stick to those carbs.

other people i know have a gut of steel and can eat anything, and are very healthy. i have older friends who eat whatever they want and they have had 0 health problems. a lot of its genetics and your body type.

[zzz]

faterikcartman, i’m with you that fad diets don’t work, they tend to be unbalanced, unsustainable, etc. people just don’t stick with it or they become obsessed and consumed by it. i think however its about listening to your body. whatever you feel great eating, versus what makes you feel ill. and everything in moderation and a large variety of foods. i personally stopped eating packaged/processed foods, even though i LOVED a lot of them, because i had severe acid reflux eating certain foods and packaged/processed crap contains way too many ingredients and preservatives. i don’t think popping a pill is the solution, eventually you will develop a disease or cancer with long term chronic inflammation in your GI track. so i simply stopped eating certain foods, stopped taking pills, and my acid reflux went away completely. i also don’t think carbs are bad, i happen to love them, but simply figured out which ones my body digest versus ones i don’t, and stick to those carbs.

other people i know have a gut of steel and can eat anything, and are very healthy. i have older friends who eat whatever they want and they have had 0 health problems. a lot of its genetics and your body type.

[zzz]

i think most of us who are savers or not heavily in debt can’t truly grasp how so many many people spend everything they make and live paycheck to paycheck, and have a lot of credit card debt, and somehow sleep at night anyhow. most people do not have months or years of savings in the event of job loss.

i was at nordstroms in escondido a month ago and the sales lady said they had 2 of their best quarters in Q1/Q2 this year, double digit growth over last year in that store.

most of our friends spend spend spend. they eat out 3-4x’s a week at nice sit down restaurants and drink with their meals. they may be 200k in graduate school debt, but they are buying new cars and taking international vacations every year, take lots of weekend trips, join wine clubs, they do not blink dropping $200-300 on a pair of designer jeans, or $300 on a sundress. if they did this twice a year, it would be one thing, but its like every other month. some couples both have well paying jobs, but they still have 10 or 20k in credit card debt and would rather keep spending than pay down their credit card debt.

we know people who have early 20 something children, who are not going to college, working minimum wage jobs, living at home, with iphones, relatively newer cars, and eat out and drink out all the time. their parents are not subsidizing their expenditures.

we have friends who are stressed about paying their mortgage, and feel stressed about cash, but then take international vacations or rent expensive homes and take their whole family to hawaii including their parents, rather than save the cash in case of income loss.

its insane to me, but people do it!

[zzz]

i think most of us who are savers or not heavily in debt can’t truly grasp how so many many people spend everything they make and live paycheck to paycheck, and have a lot of credit card debt, and somehow sleep at night anyhow. most people do not have months or years of savings in the event of job loss.

i was at nordstroms in escondido a month ago and the sales lady said they had 2 of their best quarters in Q1/Q2 this year, double digit growth over last year in that store.

most of our friends spend spend spend. they eat out 3-4x’s a week at nice sit down restaurants and drink with their meals. they may be 200k in graduate school debt, but they are buying new cars and taking international vacations every year, take lots of weekend trips, join wine clubs, they do not blink dropping $200-300 on a pair of designer jeans, or $300 on a sundress. if they did this twice a year, it would be one thing, but its like every other month. some couples both have well paying jobs, but they still have 10 or 20k in credit card debt and would rather keep spending than pay down their credit card debt.

we know people who have early 20 something children, who are not going to college, working minimum wage jobs, living at home, with iphones, relatively newer cars, and eat out and drink out all the time. their parents are not subsidizing their expenditures.

we have friends who are stressed about paying their mortgage, and feel stressed about cash, but then take international vacations or rent expensive homes and take their whole family to hawaii including their parents, rather than save the cash in case of income loss.

its insane to me, but people do it!

[zzz]

i think most of us who are savers or not heavily in debt can’t truly grasp how so many many people spend everything they make and live paycheck to paycheck, and have a lot of credit card debt, and somehow sleep at night anyhow. most people do not have months or years of savings in the event of job loss.

i was at nordstroms in escondido a month ago and the sales lady said they had 2 of their best quarters in Q1/Q2 this year, double digit growth over last year in that store.

most of our friends spend spend spend. they eat out 3-4x’s a week at nice sit down restaurants and drink with their meals. they may be 200k in graduate school debt, but they are buying new cars and taking international vacations every year, take lots of weekend trips, join wine clubs, they do not blink dropping $200-300 on a pair of designer jeans, or $300 on a sundress. if they did this twice a year, it would be one thing, but its like every other month. some couples both have well paying jobs, but they still have 10 or 20k in credit card debt and would rather keep spending than pay down their credit card debt.

we know people who have early 20 something children, who are not going to college, working minimum wage jobs, living at home, with iphones, relatively newer cars, and eat out and drink out all the time. their parents are not subsidizing their expenditures.

we have friends who are stressed about paying their mortgage, and feel stressed about cash, but then take international vacations or rent expensive homes and take their whole family to hawaii including their parents, rather than save the cash in case of income loss.

its insane to me, but people do it!

[zzz]

i think most of us who are savers or not heavily in debt can’t truly grasp how so many many people spend everything they make and live paycheck to paycheck, and have a lot of credit card debt, and somehow sleep at night anyhow. most people do not have months or years of savings in the event of job loss.

i was at nordstroms in escondido a month ago and the sales lady said they had 2 of their best quarters in Q1/Q2 this year, double digit growth over last year in that store.

most of our friends spend spend spend. they eat out 3-4x’s a week at nice sit down restaurants and drink with their meals. they may be 200k in graduate school debt, but they are buying new cars and taking international vacations every year, take lots of weekend trips, join wine clubs, they do not blink dropping $200-300 on a pair of designer jeans, or $300 on a sundress. if they did this twice a year, it would be one thing, but its like every other month. some couples both have well paying jobs, but they still have 10 or 20k in credit card debt and would rather keep spending than pay down their credit card debt.

we know people who have early 20 something children, who are not going to college, working minimum wage jobs, living at home, with iphones, relatively newer cars, and eat out and drink out all the time. their parents are not subsidizing their expenditures.

we have friends who are stressed about paying their mortgage, and feel stressed about cash, but then take international vacations or rent expensive homes and take their whole family to hawaii including their parents, rather than save the cash in case of income loss.

its insane to me, but people do it!

[zzz]

i think most of us who are savers or not heavily in debt can’t truly grasp how so many many people spend everything they make and live paycheck to paycheck, and have a lot of credit card debt, and somehow sleep at night anyhow. most people do not have months or years of savings in the event of job loss.

i was at nordstroms in escondido a month ago and the sales lady said they had 2 of their best quarters in Q1/Q2 this year, double digit growth over last year in that store.

most of our friends spend spend spend. they eat out 3-4x’s a week at nice sit down restaurants and drink with their meals. they may be 200k in graduate school debt, but they are buying new cars and taking international vacations every year, take lots of weekend trips, join wine clubs, they do not blink dropping $200-300 on a pair of designer jeans, or $300 on a sundress. if they did this twice a year, it would be one thing, but its like every other month. some couples both have well paying jobs, but they still have 10 or 20k in credit card debt and would rather keep spending than pay down their credit card debt.

we know people who have early 20 something children, who are not going to college, working minimum wage jobs, living at home, with iphones, relatively newer cars, and eat out and drink out all the time. their parents are not subsidizing their expenditures.

we have friends who are stressed about paying their mortgage, and feel stressed about cash, but then take international vacations or rent expensive homes and take their whole family to hawaii including their parents, rather than save the cash in case of income loss.

its insane to me, but people do it!

[zzz]

i think there’s been some debate in past threads about whether there will be an uprising of the poor, the masses against the elite in this country. rioting in egypt or greece even seems not so farfetched. but when its happening in london, a city that normally i associate with safe and orderly has been rioting for days, i start to wonder when we’ll see it here.

http://jezebel.com/5829060/where-does-london-go-from-here

what does everyone else think?

[zzz]

i think there’s been some debate in past threads about whether there will be an uprising of the poor, the masses against the elite in this country. rioting in egypt or greece even seems not so farfetched. but when its happening in london, a city that normally i associate with safe and orderly has been rioting for days, i start to wonder when we’ll see it here.

http://jezebel.com/5829060/where-does-london-go-from-here

what does everyone else think?

[zzz]

i think there’s been some debate in past threads about whether there will be an uprising of the poor, the masses against the elite in this country. rioting in egypt or greece even seems not so farfetched. but when its happening in london, a city that normally i associate with safe and orderly has been rioting for days, i start to wonder when we’ll see it here.

http://jezebel.com/5829060/where-does-london-go-from-here

what does everyone else think?

[zzz]

i think there’s been some debate in past threads about whether there will be an uprising of the poor, the masses against the elite in this country. rioting in egypt or greece even seems not so farfetched. but when its happening in london, a city that normally i associate with safe and orderly has been rioting for days, i start to wonder when we’ll see it here.

http://jezebel.com/5829060/where-does-london-go-from-here

what does everyone else think?

[Author]

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