Edmunds Members - Cars and Conversations (Archived)

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  • ventureventure Member Posts: 3,174
    jmonroe1 said:

    stickguy said:

    I was lucky if my wife remembered to tell me the light came on. Back when she drove a lot more. Then I would lecture about giving earlier notice. At least she never ran out. Now she barely drives so I always know where the gauge is.

    Even in Jersey she just told me she needed gas and I got it. And that was where they only have full service. Up here in self serve land zero chance she is stopping for gas if she has to put it in. Would have to be a real emergency.

    ————————————————
    Somehow Mrs. j never had a problem putting in gas but she could never figure out how to pop the hood to refill the washer fluid. I guess you could say her mechanical acumen topped out with the gas cap removal/replacement, squeezing the pump nozzle and not forgetting to take out the CC.

    jmonroe
    Mrs. venture has always pumped her own gas. The only thing I ask is that she remind me when it needs inspected. Twice she didn't bother. One I discovered it was 6 months late. :o

    2025 Forester Limited, 2024 Subaru Legacy Sport

  • jmonroe1jmonroe1 Member Posts: 9,396
    venture said:

    jmonroe1 said:

    stickguy said:

    I was lucky if my wife remembered to tell me the light came on. Back when she drove a lot more. Then I would lecture about giving earlier notice. At least she never ran out. Now she barely drives so I always know where the gauge is.

    Even in Jersey she just told me she needed gas and I got it. And that was where they only have full service. Up here in self serve land zero chance she is stopping for gas if she has to put it in. Would have to be a real emergency.

    ————————————————
    Somehow Mrs. j never had a problem putting in gas but she could never figure out how to pop the hood to refill the washer fluid. I guess you could say her mechanical acumen topped out with the gas cap removal/replacement, squeezing the pump nozzle and not forgetting to take out the CC.

    jmonroe
    Mrs. venture has always pumped her own gas. The only thing I ask is that she remind me when it needs inspected. Twice she didn't bother. One I discovered it was 6 months late. :o
    ————————————————
    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
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • stickguystickguy Member Posts: 53,557

    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.

  • roadburnerroadburner Member Posts: 18,394
    I also posted this in the CCBA topic:
    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

  • explorerx4explorerx4 Member Posts: 20,823
    Stellantis only wants buyers with bad credit. :s
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • ventureventure Member Posts: 3,174

    I also posted this in the CCBA topic:
    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.

    I would love to hear the results of the phone call.

    2025 Forester Limited, 2024 Subaru Legacy Sport

  • roadburnerroadburner Member Posts: 18,394
    venture said:

    I also posted this in the CCBA topic:
    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.

    I would love to hear the results of the phone call.
    You will!

    Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
    Wife's: 2021 Sahara 4xe
    Son's: 2018 330i xDrive

  • jmonroe1jmonroe1 Member Posts: 9,396

    Stellantis only wants buyers with bad credit. :s

    ————————————————
    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
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • tjc78tjc78 Member Posts: 17,088

    @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

  • driver100driver100 Member Posts: 32,594
    jmonroe1 said:

    I continually ask her, especially now that winter approaches, to think about filling the tank once it reaches 50%.

    ————————————————
    That’s why folks need more than one EV in the garage. I always try to have a back up. Kinda explains why I have 4 battery powered drills each with 2 batteries.

    jmonroe
    You must have been a Boy Scout...Be Prepared, or I guess you could be OCD (obsessive compulsive disorder)

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • driver100driver100 Member Posts: 32,594

    I continually ask her, especially now that winter approaches, to think about filling the tank once it reaches 50%.

    Maybe you should not get an EV for Mrs laurasdada! :D

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • oldfarmer50oldfarmer50 Member Posts: 24,295

    My wife will fill up the X1 herself or else let me know when the range drops below 100 miles.

    I don’t think my wife put fuel in a car for the last 46 years. It must have been rough on her pushing cars around before we got married.😗

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,295
    jmonroe1 said:

    venture said:

    jmonroe1 said:

    stickguy said:

    I was lucky if my wife remembered to tell me the light came on. Back when she drove a lot more. Then I would lecture about giving earlier notice. At least she never ran out. Now she barely drives so I always know where the gauge is.

    Even in Jersey she just told me she needed gas and I got it. And that was where they only have full service. Up here in self serve land zero chance she is stopping for gas if she has to put it in. Would have to be a real emergency.

    ————————————————
    Somehow Mrs. j never had a problem putting in gas but she could never figure out how to pop the hood to refill the washer fluid. I guess you could say her mechanical acumen topped out with the gas cap removal/replacement, squeezing the pump nozzle and not forgetting to take out the CC.

    jmonroe
    Mrs. venture has always pumped her own gas. The only thing I ask is that she remind me when it needs inspected. Twice she didn't bother. One I discovered it was 6 months late. :o
    ————————————————
    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
    All our cars (even her’s) are in my name. No macho posturing, just convenient.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,295

    I also posted this in the CCBA topic:
    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.

    Sounds like I’m screwed too. No mortgage, no installment loans, zero credit card balance. Also have an 800+ credit score. My CC company tells me I could improve my credit by taking out a car loan.

    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

  • roadburnerroadburner Member Posts: 18,394
    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
    Wife's: 2021 Sahara 4xe
    Son's: 2018 330i xDrive

  • cdnpinheadcdnpinhead Member Posts: 5,621
    It's a strange world we live in. Young people think it's normal.
    '08 Acura TSX, '17 Subaru Forester
  • jmonroe1jmonroe1 Member Posts: 9,396

    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    ————————————————
    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
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • stickguystickguy Member Posts: 53,557
    credit scores seem like a combination of a black box, and voodoo. Probably because they are. Really seem counterintuitive. But remember, the intent is not to make you responsible, it is to make the banks more money. And they don't make money if you aren't paying them a lot of interest.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • kyfdxkyfdx Moderator Posts: 267,590
    Made the last payment on the 0% loan on my wife's BMW. A week later, my credit score went up by 12 points. 2 days after that, received a lien release in the mail from BMW.

    Pretty efficient.

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  • stickguystickguy Member Posts: 53,557

    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.

  • laurasdadalaurasdada Member Posts: 5,217
    driver100 said:

    I continually ask her, especially now that winter approaches, to think about filling the tank once it reaches 50%.

    Maybe you should not get an EV for Mrs laurasdada! :D
    Actually, as she'd be (hopefully, of course. Or, I guess I would...) plugging in nightly at home, there would be less of a concern. Her longest round trip, generally, would be her commute ~120 miles. Of course, she no longer commutes. An EV would work for 90% of her driving.
    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...)

  • laurasdadalaurasdada Member Posts: 5,217
    And, my company installed 10 ChargePoint charges at our office, gratis for employees. That's ~120 miles rt for me too, so an EV would work.
    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...)

  • oldfarmer50oldfarmer50 Member Posts: 24,295

    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    Same here. That’s because you didn’t have a good mix of installment and revolving credit according to them.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • imidazol97imidazol97 Member Posts: 27,700
    edited November 2023
    Electronic sign on interstate 75 last evening said a missing person was driving a silver Kia.
    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,

  • roadburnerroadburner Member Posts: 18,394

    Electronic sign on interstate 75 last evening said a missing person was driving a silver Kia.
    Look for them.

    Well, that really narrowed it down. Silver Kias are likely exceeded in number only by silver Toyota/Lexus.

    Kind of like Camrys with a dented rear fascia.

    Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
    Wife's: 2021 Sahara 4xe
    Son's: 2018 330i xDrive

  • mjfloyd1mjfloyd1 Member Posts: 3,806
    stickguy said:

    credit scores seem like a combination of a black box, and voodoo. Probably because they are. Really seem counterintuitive. But remember, the intent is not to make you responsible, it is to make the banks more money. And they don't make money if you aren't paying them a lot of interest.

    Black box, voodoo and a key fob😂
  • andres3andres3 Member Posts: 13,963
    jmonroe1 said:

    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    ————————————————
    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
    The whole FICO rating system is hogwash and should be outlawed at this point. I think we've all proven it is meaningless and worthless in terms of credit worthiness. They can come up with a better system I'm sure.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • MichaellMichaell Moderator Posts: 264,218
    andres3 said:

    jmonroe1 said:

    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    ————————————————
    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
    The whole FICO rating system is hogwash and should be outlawed at this point. I think we've all proven it is meaningless and worthless in terms of credit worthiness. They can come up with a better system I'm sure.
    And who is this mysterious "they" that you refer to? Who do you trust to design and implement this new system?

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    2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige

  • andres3andres3 Member Posts: 13,963
    mjfloyd1 said:

    stickguy said:

    credit scores seem like a combination of a black box, and voodoo. Probably because they are. Really seem counterintuitive. But remember, the intent is not to make you responsible, it is to make the banks more money. And they don't make money if you aren't paying them a lot of interest.

    Black box, voodoo and a key fob😂
    Speaking of Key Fob's, apparently they are worth about 150 points on the credit score; at least for a bit. What a sham.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • andres3andres3 Member Posts: 13,963
    Michaell said:

    andres3 said:

    jmonroe1 said:

    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    ————————————————
    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
    The whole FICO rating system is hogwash and should be outlawed at this point. I think we've all proven it is meaningless and worthless in terms of credit worthiness. They can come up with a better system I'm sure.
    And who is this mysterious "they" that you refer to? Who do you trust to design and implement this new system?
    Good question; competent people for starters.

    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.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • ventureventure Member Posts: 3,174

    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    Same here. That’s because you didn’t have a good mix of installment and revolving credit according to them.
    I think the size of your credit score is, generally, inversely proportionate to how much you care about it.

    2025 Forester Limited, 2024 Subaru Legacy Sport

  • jmonroe1jmonroe1 Member Posts: 9,396
    venture said:

    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    Same here. That’s because you didn’t have a good mix of installment and revolving credit according to them.
    I think the size of your credit score is, generally, inversely proportionate to how much you care about it.
    ————————————————
    Probably why mine is pretty good.

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • ventureventure Member Posts: 3,174
    jmonroe1 said:

    venture said:

    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    Same here. That’s because you didn’t have a good mix of installment and revolving credit according to them.
    I think the size of your credit score is, generally, inversely proportionate to how much you care about it.
    ————————————————
    Probably why mine is pretty good.

    jmonroe
    Exactly!

    2025 Forester Limited, 2024 Subaru Legacy Sport

  • ventureventure Member Posts: 3,174

    2025 Forester Limited, 2024 Subaru Legacy Sport

  • qbrozenqbrozen Member Posts: 33,769
    Whoa! Scammers are getting so good they can attack from the future!


    '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

  • jmonroe1jmonroe1 Member Posts: 9,396
    venture said:


    ————————————————
    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
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • jmonroe1jmonroe1 Member Posts: 9,396
    stickguy said:

    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!

    ————————————————
    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
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • stickguystickguy Member Posts: 53,557
    I thought I padded high! Though we did bump the whole house back 2', and added an extra wall of cabinets, and expanded the island (96'x42") and upgraded the cabinets (and painted which costs more). And it will look good! the rest of the place though, has been staying to included standards or allowances. So far.

    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.

  • oldfarmer50oldfarmer50 Member Posts: 24,295
    andres3 said:

    Michaell said:

    andres3 said:

    jmonroe1 said:

    Funny thing; my score actually increased when I took out the loan to buy the C43. And it dropped when I paid off the X1 a couple of years early.

    ————————————————
    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
    The whole FICO rating system is hogwash and should be outlawed at this point. I think we've all proven it is meaningless and worthless in terms of credit worthiness. They can come up with a better system I'm sure.
    And who is this mysterious "they" that you refer to? Who do you trust to design and implement this new system?
    Good question; competent people for starters.

    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.
    The government will give you a social credit score. That might prevent you from owing a car at all.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • ab348ab348 Member Posts: 20,354
    stickguy said:


    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.

    If you've never seen it, I recommend watching the old 1940s movie "Mr Blandings Builds His Dream House" with Cary Grant and Myrna Loy. It is dated of course, but very well done and captures what you are going through. I saw it recently on Prime but it's probably available on various streaming services.

    2017 Cadillac ATS Performance Premium 3.6

  • snakeweaselsnakeweasel Member Posts: 19,592
    stickguy said:

    can't really look at an insurance policy (which is what an ESP is) in terms of the average paid out, or likelihood that you will save more than you paid. Just worst case scenario. You know that on average buyers don't get a positive ROI, but a "lucky few" with major repairs come out ahead.

    so if you are OK with paying OOP for the worst case, makes no sense to get it. Same with life insurance. If whoever is left behind has plenty of money to bury you and live on, don't really need it.

    caveat though, if you are buying a used Range Rover, you have to have one.

    Well it's more like a risk/exposure thing. If your risk is low and your exposure is low then you really can skip the "insurance". Modern cars can exceed 150K miles or more without needing anything that an extended warranty covers so basically you are covering the vehicle in it's most reliable stage of life. So the risk is low and the exposure is relatively low. It's not like insuring your home where the exposure can be in the hundreds of thousand of dollars (for less money than your cars extended warranty).

    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

  • snakeweaselsnakeweasel Member Posts: 19,592
    tjc78 said:

    @snakeweasel said:

    @qbrozen said:

    @tjc78 said:

    @qbrozen said:

    Everything is through a wireless mesh system in my house. I can stream 20gb 4k movies without a hitch while both kids are online gaming on different systems and the wife scrolls facebook videos, so I can’t complain about speed nor see what hardwiring would gain for me.

    I can too, but the hardwired nodes yield more than twice the speed of the all wireless.

    Here is a speed test connected to a hardwired node

    Here is upstairs, same distance away from node but all wireless.

    Oh, I’m sure. But, like I said, what would I use the extra speed for?

    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

  • snakeweaselsnakeweasel Member Posts: 19,592

    I continually ask her, especially now that winter approaches, to think about filling the tank once it reaches 50%.

    My stepmother would throw a fit if the gas tank went below 50% no matter if it was summer or winter. My dad was the Kramer on a test drive sort of guy (on a road trip there would be at least one time where he would get gas and say something like "the tank holds 16 gallons and I put in 16.2 must have been on fumes). Man that was a match made in heaven. B)

    2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D

  • oldfarmer50oldfarmer50 Member Posts: 24,295
    ab348 said:

    stickguy said:


    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.

    If you've never seen it, I recommend watching the old 1940s movie "Mr Blandings Builds His Dream House" with Cary Grant and Myrna Loy. It is dated of course, but very well done and captures what you are going through. I saw it recently on Prime but it's probably available on various streaming services.
    I like the part where Myrna Loy gives the painters a very detailed instruction into the subtle shades of paint she wants and when she leaves the guy says: “yeah, red, green, blue, yellow, white”

    https://youtu.be/s33ScN4D-HU?si=h1ztt18rKEuonGnv

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • fintailfintail Member Posts: 58,531
    ab348 said:

    stickguy said:


    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.

    If you've never seen it, I recommend watching the old 1940s movie "Mr Blandings Builds His Dream House" with Cary Grant and Myrna Loy. It is dated of course, but very well done and captures what you are going through. I saw it recently on Prime but it's probably available on various streaming services.
    I've been a fan of that once since I was a kid. A few good lines, and some of the supporting characters are also top-notch - the well drilling guy and the rock excavator guy come to mind.

    The Money Pit can work for a lot of home related stuff too. Two weeks.
  • ab348ab348 Member Posts: 20,354
    fintail said:


    I've been a fan of that once since I was a kid. A few good lines, and some of the supporting characters are also top-notch - the well drilling guy and the rock excavator guy come to mind.

    Mr. Zucca!

    https://youtu.be/cZh488yurE4?si=11h69dIlos-rvPbW

    And the painter:

    https://youtu.be/s33ScN4D-HU?si=9R2fmWeDH4oN8jn0

    2017 Cadillac ATS Performance Premium 3.6

  • jmonroe1jmonroe1 Member Posts: 9,396

    ab348 said:

    stickguy said:


    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.

    If you've never seen it, I recommend watching the old 1940s movie "Mr Blandings Builds His Dream House" with Cary Grant and Myrna Loy. It is dated of course, but very well done and captures what you are going through. I saw it recently on Prime but it's probably available on various streaming services.
    I like the part where Myrna Loy gives the painters a very detailed instruction into the subtle shades of paint she wants and when she leaves the guy says: “yeah, red, green, blue, yellow, white”

    https://youtu.be/s33ScN4D-HU?si=h1ztt18rKEuonGnv
    ————————————————
    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
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • tjc78tjc78 Member Posts: 17,088

    @fintail said:
    I've been a fan of that once since I was a kid. A few good lines, and some of the supporting characters are also top-notch - the well drilling guy and the rock excavator guy come to mind.

    The Money Pit can work for a lot of home related stuff too. Two weeks.

    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

  • fintailfintail Member Posts: 58,531
    tjc78 said:

    @fintail said:

    I've been a fan of that once since I was a kid. A few good lines, and some of the supporting characters are also top-notch - the well drilling guy and the rock excavator guy come to mind.

    The Money Pit can work for a lot of home related stuff too. Two weeks.

    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.

This discussion has been closed.

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