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Comments
2025 Forester Limited, 2024 Subaru Legacy Sport
I don’t know how it’s done in your house but in ours both of our names are on the title and therefore on the registration too. I’ve been late a few times with having her car inspected and the first time she asked, “what happens if I get pulled over for that, then what”? Are they going to haul me in or what”? I told her not to worry too much, maybe they’ll put us in adjoining cells.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
We have only ever had 1 name on the title. Makes the wife think she has her own car.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
Here's a head scratcher:
When we bought the Wrangler we applied and were approved for a loan through my local credit union. The Jeep dealer found a better rate through another credit union so that's what we went with. Apparently the dealer had also tried to finance us through Stellantis Financial Services and the application was rejected. Today Stellantis sent us the rejection letter, stating that part of the reason for the rejection was our credit scores- mine was 812 and my wife's was 796.
We don't have a mortgage on our home and at the time of application we had one auto loan with a balance of $3,500 on the C43 (since paid off). No late payments on any credit cards or any on other accounts for that matter.
The letter gave a number to call to get the specifics so I'm calling them tomorrow.
I did not realize that our finances were in such awful shape.
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
2025 Forester Limited, 2024 Subaru Legacy Sport
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
That may be true. Folks with bad credit just want to be approved for the car they have hot pants for…Just give me what I want. No thought whatsoever about being underwater worse than they are already.
It’s been said our economy wouldn’t exist without folks being in debt. If you didn’t know any better you’d think they’re following the way our government does it.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
@roadburner
That is ridiculous. I’d want to know too.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic / 2022 Icon I6L Golf Cart
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
I didn’t get an 800 credit score by listening to that kind of baloney.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
I’ve heard the reason for this is because banks like you to have a mix of installment loans and revolving credit loans. I don’t know why they care about that but they do. Maybe it’s because once you you pay off a single fixed loan you could then top out several existing credit cards and end up with more debt. That still doesn’t make a lot of sense to me because you could do that while still having a fixed monthly loan like a car payment.
Banks are driving this and we all know banks want you to be in debt to them.
I’ve also been told that your credit score will more than likely go back up to or almost to your previous rating within a couple months given you don’t drastically change the way you’ve been using your credit cards.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
Pretty efficient.
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Good thing it wasn’t a Subaru. You would still be waiting for it.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
But, for road trips, yeah, I'm not EV ready yet.
PHEV, it does a body good.
'21 Dark Blue/Black Audi A7 PHEV (mine); '22 White/Beige BMW X3 (hers); '20 Estoril Blue/Oyster BMW M240xi 'Vert (Ours, read: hers in 'vert weather; mine during Nor'easters...)
Not that I commute, and won't. But if I had to...
'21 Dark Blue/Black Audi A7 PHEV (mine); '22 White/Beige BMW X3 (hers); '20 Estoril Blue/Oyster BMW M240xi 'Vert (Ours, read: hers in 'vert weather; mine during Nor'easters...)
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
Look for them.
Well, that really narrowed it down. Silver Kias are likely exceeded in number only by silver Toyota/Lexus.
2014 Malibu 2LT, 2015 Cruze 2LT,
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Secondarily they need to not have conflicts of interest.
The banks can't help themselves to those first two things, so I'd say the Gov't should step in. The problem is the Banks own the Gov't, so there you have it.
2025 Forester Limited, 2024 Subaru Legacy Sport
Probably why mine is pretty good.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
2025 Forester Limited, 2024 Subaru Legacy Sport
2025 Forester Limited, 2024 Subaru Legacy Sport
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S
The inspection garage I used to go to years ago felt the Snap-On truck and their competitors were as bad as predatory lenders and wouldn’t let them on his property.
I was there once and I saw the Snap-On truck parked across the road and I asked him why it was over there and not in his lot that had plenty of room for it. He told me the story about how much debt he used to be in because of them. It was pretty staggering. He said they had good tools but not worth it in the end.
He told me all those trucks had a book showing every transaction the mechanics made from day one and the cost including interest. He said it was the size of a New York City phone book.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
Signed off on a kitchen design today. So much for a budget. That is shot to heck. But at least it is a very nice kitchen. And I really only need 1 kidney, right?
Wife will be grumpy though when she finds out I sold her car to pay for it!
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
Ain’t building a house fun?
When we built our house when we moved to SC in ‘92 we never saw the house we chose to build. It came from one of those home plan books. I remember our builder saying make the changes now because it won’t be so easy once the walls go up. I made so many changes to the blue print, it was really a “red print” by the time I was done. My builder just laughed when I gave it to him.
Since we had never walked through the house, even though I spent hours pouring over the plans, I told Mrs. j there would be more changes once we started. I told her if she wasn’t prepared to spend another 20 grand on changes we shouldn’t start. She said, “let’s do it, we’ll never get another chance and it should be fun”. It was fun for her until she had to pick out everything and I mean EVERYTHING. It finally almost got to the breaking point for her so I told her we wouldn’t go over to the house for a few days. We had been going over every day. Sometimes I’d go during lunch time too. That seemed to rejuvenated her. And she was happy we only spent about 8 grand from our slush fund. She asked me how that happened and I told her I always estimate high and I’m smarter than she thought I was.
It didn’t hurt that we had the most cooperative builder you could find. Since he never build that house before he took a real personal interest in it and considered it a challenge. That was just dumb luck on our part finding a guy like that.
If you have half the luck we had you’ll be dancing once it’s build.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
sounds like out builder. He did have a sample floorplan in the ad, that he included because it would fit well on the lot (big lot, but somewhat limited buildable footprint). But he gave us the website link and said he would build anything that fit, just send him links to look at.
we ended up picking the original, but at this point it should have a different model name since we added a bit of SF and changed the floorplan quite a bit. He has been very accommodating (before framing started of course), and even found things while doing the detailed plans that he thought would not look right and changed on his dime (including adding 2' to about 1/3 of the front of the house). And added some pocket doors for free because they function better. stuff like that.
at this point, changes are going to start costing if they impact framing already done! Wife drove past today, and all the trusses are up. Sadly they did not get roof sheathing on before tonight's snowstorm. Which makes me sad. But should be roofed by next week and windows in soon. so almost weathertight!
my wife has got herself worked up about picking everything, but so far, has not been bad. Took a while on the kitchen and baths, but that was expected. Floors ended up being easy. so at this point, only thing left really is lighting fixtures, and paint color, which should not be bad. I will be the one obsessing about the electrical design (wiring, I don't care about fixtures much).
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
2017 Cadillac ATS Performance Premium 3.6
Yes a lucky few will get major repairs done but if they get an extended warranty on everything they get they will never come out ahead in the long run. Never bet against the house.
Now if you are buying something that you have to have the warranty on maybe that's a sign that you shouldn't buy it.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
True anything over 100 is still very robust. I guess I’m acting like a car guy and more power is always better lol
As long as you are able to get what you want (movies TV videos and music) without buffering more speed is pretty useless.
I disagree. I work from home and often have large construction docs sets (1GB+) and without a robust connection they take a long time to DL. I noticed a huge improvement when moving to a mesh system with a hard wired node near my office
As I said if your get what you want without any buffering then you won't see any improvement getting a higher speed.
When I work from home I am remotely logging onto my computer at work and my computer is basically a shell to be able to see my work computers screen. So when I pull up large reports or spreadsheets it's not any longer than when I am sitting at my desk at work.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
The Money Pit can work for a lot of home related stuff too. Two weeks.
And the painter:
2017 Cadillac ATS Performance Premium 3.6
That’s a far cry from the way they worked on my house in SC.
The finish carpenter and his wife were a team. It wasn’t uncommon for a husband and wife to work together on houses when my house was built in SC in ‘92. In fact, the painters were a husband and wife team too with a cousin helping out. Anyway, when I went over to the house at lunch time one day, as I’m walking in from the garage, I heard the guy yelling out from our bedroom on the first floor, something like, “92 and 5/8 heavy, 45 left, cope right and don’t screw this one up”. His wife was in the foyer with the chop saw cutting the baseboards.
One time I heard the painter say to his wife, “you seem to have a steadier hand than me today, so why don’t you show Mr. jmonroe how you do the cut-in on that wall”.
The quality of construction down there was far superior to what they did around here back then.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
I use two lines quite often in my work life … “two weeks” is one. The other is 220/221
Both usually generate a good chuckle unless I’m in a room of Gen Zs….
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic / 2022 Icon I6L Golf Cart
I use two lines quite often in my work life … “two weeks” is one. The other is 220/221
Both usually generate a good chuckle unless I’m in a room of Gen Zs….
Mr Mom may also be the source of the sometimes popular "you're doing it wrong" line. Been awhile since I have seen that one, I want to say Ford did product placement.
Even some younger millennials see this stuff as an alien language. And I've met more than a couple Xers who were kept sheltered from the best pop culture time and have no idea.