Edmunds Members - Cars and Conversations (Archived)

abacomike

driver100 said:

@driver100 said:

"And, what does " Ford Credit financing. 0% APR financing for 60 months at $16.67 per month per $1,000" mean? How can it be 0% if you pay $16.67 per $1000? I am not an English or math scholar, but what does it mean."

I agree with you about not being a math scholar, driver!   

Since the dealer has no idea how much a customer will finance at 0% when he runs an ad, a customer can determine his/her approximate monthly payment by multiplying by $16.67 for every thousand borrowed.  So if the customer borrows $20,000, just multiply $16.67 X 20 = $333.40 per month X 60 = $20,004.  So the final payment would be $329.40 to make up for the $4.00.   

Thanks Mike too, just $16.67 per $1000. Seems like so little for a new car, oh yeh, I need about 25 of those thousands so it will be $16.67X25 = about $516 a month....sure does add up fast.

...and most loans on cars add interest which increases that payment.  The loan I took out is 1.75% for 60 months which is not a bad rate.  My financial advisor suggested taking out a small loan to broaden my credit history for purposes of raising my credit scores, which worked.

jwm40517

Try again Driver, $516 per month will get you almost 31 of those thousands. 25 is only $416.75 per month

driver100

oldfarmer50 said:

driver100 said:

oldfarmer50 said:

abacomike said:

Just got home from an 8 hour go-round with a Chevy dealer that is about 30 miles from where I live.  It all started like this:

Late this morning after taking my daily walk, I had nothing to do.  I did not feel like going home and spending the day watching some news channel, so I went to a Chevy dealer close to the shopping center where I take my walks to look at the new Stingray.  I always was partial to the Corvette after owning a 1967 Stingray fastback 427 coupe.

I got out of my car and walked outside to view what they had in stock in a Stingray.  Remember, guys, I can get into one, but getting out of the Vette is quite another thing.  During my walk, I was approached by a salesman.  He asked me what I was interested in and I responded that I had a '67 Stingray Fastback Coupe and was always intrigued by the Corvette Stingray.  He stopped me in mid-sentence and asked me if I might be interested in a '67 Fastback Coupe with a 427 V8 with 435 hp in a manual transmission.  I gasped!  I asked him what color - and when he responded it was a metallic medium blue with black interior, I began a nuclear meltdown - he could have easily seen the perspiration dripping down my sideburns.

He told me to follow him and we went inside the service department shop and I saw this Stingray up on the lift - he said it was a 1967 427 V8 Stingray fastback with 435 hp, a Muncie 4-speed, and exterior side exhaust pipes.  I thought I had died and gone to heaven.

I asked the salesman what it was doing on the lift - he said it was having new brakes put on, new tires, and a new master brake cylinder installed.  He said it had 67,400 original miles and was sold to the dealership by an estate.

I asked him what the dealership wanted for the car.  He said he would check with management.  After 8 hours of grueling negotiations, I would not give them $175,000 for the car.  I had offered $150,000 as my final offer.  They refused my offer.  I figured if I could buy an exact duplicate of the car I had in 1967 for $150,000 (very low bid for a car with such low original mileage) I could easily sell it for a quick $200,000, assuming excellent condition, which is what is was.  I drove the car at about 3:00 PM and it was like I was 23 years old again - great condition and superior handling.

I guess it was not meant to be!

Got an email from my Ford dealer trying to dump leftover 2015 models. Offered $2000 "trade assistance". Seems pretty small for cars that will soon be 2 years old.

This is their definition of trade assistance:

1. $2,000 Retail Trade-Assist is available to customers who currently own or lease a 1995 or newer vehicle who trade-in or have a lease expiring from 30 days prior to through 90 days after new retail delivery. Customer must have owned or leased the trade-in vehicle for a minimum of 30 days prior to the sale date of the new vehicle. Not all buyers qualify for Ford Credit financing. 0% APR financing for 60 months at $16.67 per month per $1,000 financed regardless of down payment. Not available on Focus Electric. For all offers, take new retail delivery from dealer stock by 2/29/16. See dealer for qualifications and complete details.


Nice to know I can still get $2,000 for the old Lincoln.

I am a little tired today but I don't know if I fully understand the Ford Trade-Assist program. Does it mean that they will give you $2000 more than your trade would normally be worth if you comply with all the other stipulations? Are you saying you would get $2000 for the Lincoln because it is worth $0? How do we know they won't knock off $1000 or $2000 from the real trade-in value?

And, what does " Ford Credit financing. 0% APR financing for 60 months at $16.67 per month per $1,000" mean? How can it be 0% if you pay $16.67 per $1000? I am not an English or math scholar, but what does it mean.

I assume that the $2000 is the result of some sort of trunk money given to the dealer so he can overvalue your trade. I'd bet they would say my Lincoln was worth zero and bump it to $2000. With my Ford I was able to get that much off just for the asking.


Thanks to the math wizzards for explaining the mechanics of 0% financing. I figured that was the case but was too lazy to do the calculation.

Thanks OF for confirming what I thought the $2000 Trade Assist really meant.

driver100

roadburner said:

cdnpinhead said:

The voice of reason. Nice counterpoint.

Of course, in today's world (leaving politics out of it), having to pay back the principal shouldn't be necessary. Maybe that's just for student loans -- I can't keep track.

In the early '80s I was representing a landowner who had sold some farmland with a lien retained. We were foreclosing because the buyer was in default. The default was caused by the buyer's inability to get another annual farm loan from the old PCA because he was overextended. His defense was that he shouldn't have to repay the PCA loans because the PCA loaned him too much money and should have known he couldn't pay them back. And he pled "Impossibility of Performance" as a defense to my foreclosure. I was in the case for years because the judge was a legal illiterate who allowed the debtor to make all those crazy arguments...

I see them all the time on Hot Bench or Judge Judy. I don't have to pay back the money because I thought it was a gift. 3/4s of the people on there end up in court because they won't take responsibility for their actions. It is like they never grew up.

abacomike

driver100 said:

The voice of reason. Nice counterpoint. Of course, in today's world (leaving politics out of it), having to pay back the principal shouldn't be necessary. Maybe that's just for student loans -- I can't keep track.

In the early '80s I was representing a landowner who had sold some farmland with a lien retained. We were foreclosing because the buyer was in default. The default was caused by the buyer's inability to get another annual farm loan from the old PCA because he was overextended. His defense was that he shouldn't have to repay the PCA loans because the PCA loaned him too much money and should have known he couldn't pay them back. And he pled "Impossibility of Performance" as a defense to my foreclosure. I was in the case for years because the judge was a legal illiterate who allowed the debtor to make all those crazy arguments...

I see them all the time on Hot Bench or Judge Judy. I don't have to pay back the money because I thought it was a gift. 3/4s of the people on there end up in court because they won't take responsibility for their actions. It is like they never grew up.

Another possibility could be that they figure the loan was backed by the Federal Government and they figure the gov't owes them something - and that something is not to have to pay back "hand-outs!" 

driver100

jwm40517 said:

Try again Driver, $516 per month will get you almost 31 of those thousands. 25 is only $416.75 per month

Right jwm, I was too lazy to get up and get a calculator so I did some quick math on a scrap piece of paper. Good think I didn't become an accountant.....but, I do feel sorry for the kids I taught math to in elementary school!

ab348

Back in the late '80s/early '90s, I was pretty handy with Lotus 123 for work. Over time Excel took over from Lotus and my job changed so I didn't need to create spreadsheets any more. There were just enough differences between Lotus and Excel that I never picked it up very well.

venture

oldfarmer50 said:

venture said:

I got my "Ancient Membership" badge yesterday. "Nobody remembers a time when this person wasn't a member here".

I don't know whether to be happy or insulted.

It just means that all us old guys have bad memories. Wait until you get the really Ancient Member badge. That's where nobody remembers where they parked their car.

I have a recurring dream about not being able to find my car. It probably means something.

One time I parked at a mall...I forget what I was going to say.

stickguy

Lincoln, I can never keep them straight. The MKC is the one that is an Escape in disguise? Looked up a picture and it is sharp looking. And they do a nice interior.

driver100

Funny, I just received a Trade Assist Voucher from a VW dealer for $3000 off any new VW. They calculate our Passat we paid $23k for just over 3 years ago would be worth $15613 with normal mileage and in good shape. Probably 12k X 3 years = 36k miles. It really has about 5500 miles so I wonder what that makes it worth?

If they gave me say $17k, and a new one probably has a MSRP of $26k, less my $3k discount would get me into a brand new 3 year newer car for $6k.....and even better our current car would have depreciated by only $2000 a year it is getting tempting. Then again, like OFs PT Cruiser...the best thing to do is just keep this one when it only does 2000 miles a year.

abacomike

driver100 said:

Funny, I just received a Trade Assist Voucher from a VW dealer for $3000 off any new VW. They calculate our Passat we paid $23k for just over 3 years ago would be worth $15613 with normal mileage and in good shape. Probably 12k X 3 years = 36k miles. It really has about 5500 miles so I wonder what that makes it worth? If they gave me say $17k, and a new one probably has a MSRP of $26k, less my $3k discount would get me into a brand new 3 year newer car for $6k.....and even better our current car would have depreciated by only $2000 a year it is getting tempting. Then again, like OFs PT Cruiser...the best thing to do is just keep this one when it only does 2000 miles a year.

Your decision is, as Spock from Star Trek would say, quite logical!  The only reason you have the car down here is for your wife to drive.  That gives you a lot of flexibility.  that enables you to go play tennis or run errands with the E400 while the wife can do her own thing, should she so desire.

A 3-year old car with 5000 miles on it is better kept for basic vacation use while you guys are in the Tampa area than traded every few years.  Your car has more value if you keep it than if you trade it. 

oldfarmer50

roadburner said:

cdnpinhead said:

The voice of reason. Nice counterpoint.

Of course, in today's world (leaving politics out of it), having to pay back the principal shouldn't be necessary. Maybe that's just for student loans -- I can't keep track.

In the early '80s I was representing a landowner who had sold some farmland with a lien retained. We were foreclosing because the buyer was in default. The default was caused by the buyer's inability to get another annual farm loan from the old PCA because he was overextended. His defense was that he shouldn't have to repay the PCA loans because the PCA loaned him too much money and should have known he couldn't pay them back. And he pled "Impossibility of Performance" as a defense to my foreclosure. I was in the case for years because the judge was a legal illiterate who allowed the debtor to make all those crazy arguments...

Many a farmer has held a bank hostage because he owes more than the farm is worth. If they foreclose someone has to admit they made a bad bet. If they keep rolling the note over they can pretend they didn't.

explorerx4

MKC is bas on the Escape like the NX200 is based on a RAV 4 and RDX is based on a CRV.
Escape has some pretty good bones.

oldfarmer50

henryn said:

The "trade assist" is just like any other incentive. It does not actually show up as part of your trade in. You have to have a "trade in" in order to qualify for the incentive, that's all. You can drag in a junker, not running, and they will show you scrap metal value on your trade in ($100?), but you will still get the $2,000 trade in incentive. It is exactly like the $500 military bonus, or the $1,000 owner loyalty (must prove you currently own same make of car), etc, etc.

And they really do get scrap metal junkers, I've seen some of them.

By my personal formula of depreciation where an old beater drops $100 in value for each 1000 miles driven, my Lincoln is worth $900. Another 9000 miles and it won't owe me anything.

nyccarguy

Lincoln

MKC is based off the Escape (which is a really nice alternative to a CRV if you've ever driven one)

MKT is based off the Flex

MKX is based off the Edge

MKZ is based off the Fusion

oldfarmer50

driver100 said:

Funny, I just received a Trade Assist Voucher from a VW dealer for $3000 off any new VW. They calculate our Passat we paid $23k for just over 3 years ago would be worth $15613 with normal mileage and in good shape. Probably 12k X 3 years = 36k miles. It really has about 5500 miles so I wonder what that makes it worth?

If they gave me say $17k, and a new one probably has a MSRP of $26k, less my $3k discount would get me into a brand new 3 year newer car for $6k.....and even better our current car would have depreciated by only $2000 a year it is getting tempting. Then again, like OFs PT Cruiser...the best thing to do is just keep this one when it only does 2000 miles a year.

Tampa CL has quite a few 20 year old condo cars with extremely low milage. Keep it for another 17 unless you have an uncontrollable urge for something new.

https://fortmyers.craigslist.org/lee/cto/5415810370.html

driver100

abacomike said:

driver100 said:

Funny, I just received a Trade Assist Voucher from a VW dealer for $3000 off any new VW. They calculate our Passat we paid $23k for just over 3 years ago would be worth $15613 with normal mileage and in good shape. Probably 12k X 3 years = 36k miles. It really has about 5500 miles so I wonder what that makes it worth?

If they gave me say $17k, and a new one probably has a MSRP of $26k, less my $3k discount would get me into a brand new 3 year newer car for $6k.....and even better our current car would have depreciated by only $2000 a year it is getting tempting. Then again, like OFs PT Cruiser...the best thing to do is just keep this one when it only does 2000 miles a year.

Your decision is, as Spock from Star Trek would say, quite logical!  The only reason you have the car down here is for your wife to drive.  That gives you a lot of flexibility.  that enables you to go play tennis or run errands with the E400 while the wife can do her own thing, should she so desire.

A 3-year old car with 5000 miles on it is better kept for basic vacation use while you guys are in the Tampa area than traded every few years.  Your car has more value if you keep it than if you trade it. 




I like your thinking....it really does make sense to keep the Passat...it is barely broken in. And, that is exactly how it is used, just as a 2nd car so my wife can get to tennis if we go at different times. It also means she doesn't have to drive my car....which she finds too big for her to drive...and I hate anyone else driving MY car. So, it serves it's purpose well.

driver100

stickguy said:

Lincoln, I can never keep them straight. The MKC is the one that is an Escape in disguise? Looked up a picture and it is sharp looking. And they do a nice interior.

I have only sat in an MKC and I really liked it. It is an ideal size, there is good vision outward, very comfortable, easy to get in and out (not too high, not too low), very tasteful interior. I would really consider one if I was looking at smaller, medium priced SUV. I know it is based on an Escape but that doesn't mean much these days like explorer explained...like saying an Audi is a VW.

berri

Aba - I saw in the news that south FL got some more tornadoes. What the heck - El Nino or something? I recall when I lived there that unless they were spun off from hurricanes, a tornado was usually found in central FL or the panhandle. Maybe you better move back to Chicago

stickguy

I think an Escape, CRV, MKC is the perfect size. I did really enjoy the Escape I test drove last year. So I imagine a luxury version could be extremely nice upgrade (same as the RDX compared to a CRV).

abacomike

berri said:

Aba - I saw in the news that south FL got some more tornadoes. What the heck - El Nino or something? I recall when I lived there that unless they were spun off from hurricanes, a tornado was usually found in central FL or the panhandle. Maybe you better move back to Chicago

No thanks.  Like Chicago doesn't get tornadoes!!! 

Yes, last night and very early this morning, we got hit with a lot of rain, thunder, lightning and some tornadoes.  This winter, the weather has been unbelievable.  The Everglades are literally flooded causing a serious situation for the animals that live out there including panthers, bird species (they have problems nesting), deer, etc.  So they are draining 10,000 gallons of water every minute via the east/west and north/south canals so the three major islands can sustain life out there.

Luckily, I didn't have to live through another tornado.  We hardly ever get them, but this year we've had a lot! 

berri

I think an Escape, CRV, MKC is the perfect size. I did really enjoy the Escape I test drove last year. So I imagine a luxury version could be extremely nice upgrade (same as the RDX compared to a CRV).

...and you could mumble to yourself while driving it, just like on those TV commercials

stickguy

all right all right all right.

Mr_Shiftright

abacomike said:

berri said:

Aba - I saw in the news that south FL got some more tornadoes. What the heck - El Nino or something? I recall when I lived there that unless they were spun off from hurricanes, a tornado was usually found in central FL or the panhandle. Maybe you better move back to Chicago

No thanks.  Like Chicago doesn't get tornadoes!!! 

Yes, last night and very early this morning, we got hit with a lot of rain, thunder, lightning and some tornadoes.  This winter, the weather has been unbelievable.  The Everglades are literally flooded causing a serious situation for the animals that live out there including panthers, bird species (they have problems nesting), deer, etc.  So they are draining 10,000 gallons of water every minute via the east/west and north/south canals so the three major islands can sustain life out there.

Luckily, I didn't have to live through another tornado.  We hardly ever get them, but this year we've had a lot! 



Remember what Ogden Nash wrote;

"When called by a panther
Don't anther"

nyccarguy

I get at least 1 or 2 of those "we want your 2011 Honda Pilot" letters per month.  I read them & then shred.

roadburner

oldfarmer50 said:

Many a farmer has held a bank hostage because he owes more than the farm is worth. If they foreclose someone has to admit they made a bad bet. If they keep rolling the note over they can pretend they didn't.

Your post jogged my memory; the year before PCA shut the debtor off they had him sign a document that acknowledged that he had been advised by PCA that-while he met the minimum standards for the loan-he had been advised to not borrow the entire amount he was eligible to get.

roadburner

Here's an odd story; when we bought the 2er the dealer got us financed through Bank of America at a lower interest rate than what BMW Financial Services was offering. The paperwork included our credit scores from TransUnion- 829 for me and 828 for my wife.
Fast forward to today; we both received letters from Chase Bank advising us that our application for loan financing through the dealer was denied due to:
"LIMITED CREDIT FILE AND/OR INSUFFICIENT INSTALLMENT CREDIT HISTORY"
It's not like I care; I just think it's funny, as we've never been turned down for a loan before...

stickguy

that is the ironic thing about the world of credit. If you are so good with your money you don't need to borrow, you can't get a loan. But if you need to borrow all the time just to stay one step ahead, they can't wait to give you more dough!

roadburner

We have 4 credit cards that we use and pay off in full every month- and we had a 24 month BMWFS loan on the E90 we paid off a few years ago. No great loss- I checked Chase's rates and they were higher than BoA's.

oldfarmer50

roadburner said:

Here's an odd story; when we bought the 2er the dealer got us financed through Bank of America at a lower interest rate than what BMW Financial Services was offering. The paperwork included our credit scores from TransUnion- 829 for me and 828 for my wife.
Fast forward to today; we both received letters from Chase Bank advising us that our application for loan financing through the dealer was denied due to:
"LIMITED CREDIT FILE AND/OR INSUFFICIENT INSTALLMENT CREDIT HISTORY"
It's not like I care; I just think it's funny, as we've never been turned down for a loan before...

Better get that checked out or the next time you look at your credit score it might have taken a hit due to a loan rejection. Does BMW Financial use Chase? Is that why Chase is involved? Did the dealer make multiple credit applications in your name?

Those are nice credit scores.

abacomike

My 3 scores are all in the 810-820 range.  But I had no history of installment loans and I have not had a mortgage in over 25 years which is why my FA suggested taking out a small loan on my next car.  So, the MB dealer applied at Chase, US Bank and MB Financial Services.  I was not rejected, but they were trying to match the rate I could get at USAA - 1.75%.  US Bank was the only one of the three that matched the rate.  MBFS was over 2% as was Chase.  So I went with US Bank.  The loan was for $19,000 for 60 months at 1.75%, or about 20% of the car's MSRP.

That is actually a great rate for a 60 month loan.  My FA said to keep the loan for as long as I want, but preferably for 24 months in order to establish on-time payments for an installment loan.

driver100

oldfarmer50 said:

driver100 said:

Funny, I just received a Trade Assist Voucher from a VW dealer for $3000 off any new VW. They calculate our Passat we paid $23k for just over 3 years ago would be worth $15613 with normal mileage and in good shape. Probably 12k X 3 years = 36k miles. It really has about 5500 miles so I wonder what that makes it worth?

If they gave me say $17k, and a new one probably has a MSRP of $26k, less my $3k discount would get me into a brand new 3 year newer car for $6k.....and even better our current car would have depreciated by only $2000 a year it is getting tempting. Then again, like OFs PT Cruiser...the best thing to do is just keep this one when it only does 2000 miles a year.

Tampa CL has quite a few 20 year old condo cars with extremely low milage. Keep it for another 17 unless you have an uncontrollable urge for something new.

https://fortmyers.craigslist.org/lee/cto/5415810370.html

No doubt about it, lots of good deals on condo cars and from estate sale cars. Another way to get a good deal is a snowbird who goes home and just can't come back. That car is a great buy...like getting a 3 year old car for $5000.
I had a chance to buy a similar car, similar situation, similar price, but it went before I could get to it. It would be a hard sell to get my wife to drive it...too big and not enough "feel of the road". But, I would have loved to go cruising in that big boat every once in awhile.

jpp75

nyccarguy said:

I get at least 1 or 2 of those "we want your 2011 Honda Pilot" letters per month.  I read them & then shred.

I still get them for my 2011 Grand Cherokee which I haven't owned in 3 years.

driver100

TransUnion- 829 for me and 828 for my wife.

RB, now you got something you can hold over your wife if you need it!

driver100

roadburner said:

We have 4 credit cards that we use and pay off in full every month- and we had a 24 month BMWFS loan on the E90 we paid off a few years ago. No great loss- I checked Chase's rates and they were higher than BoA's.

You should write to Chase and tell them it is OK, BofA was more than happy to give us a loan at a better rate.

driver100

A while ago I got a call from XYZ bank wanting me to take one of their VISA credit cards. I usually hang up and was about to but the young lady caller was kind of cute....she said:
"Don't worry, nothing will happen, like if you lose your money and have to live in a cardboard box or something they won't make you have to pay or anything"
So, I agreed to take their VISA credit card. We pay all bills on time, never have late payment, own our home etc.,

I get a letter from them telling me I was turned down because I don't use my credit card enough
I thought I was doing them the favor!

iluvmysephia1

venture - talking about dreams...first a little background. My wife and I own a 2011 Kia Soul 5-speed. It's a good car but I have been looking at a 1968 Datsun 411 Bluebird with a Hurst shifter 4-speed 1.3L I-4 cyl. punching out some 86 hp. It's for sale at AutoExotica over in St.Louis. $12,900 they're asking for it. I wouldn't offer that much. The car has been there since July of 2015. It has 41,784 miles on it - supposedly totally restored 5 years ago by the person that sold them the car. It is in really good shape and I would really like to get it for a weekend toy.

Well, my wife would hit the roof if I even hinted as purchasing this little orange rig. She told me she had a dream that I was rummaging through a shed somewhere stealing gasoline! And these people pulled up in an old rig with those old hats on. One of the guys said "What d'ta think you're up to?"

An old lady with one of those old 30's-40's hats on said "He's stealing gas!" They were outta the 30's-40's! Where did that dream come from? I did print a picture of the car out on my computer's printer and taped it up on the wall in my den at our rental home here in Dodge City. But I have not mentioned the "purchase" word once to her regarding the little orange rug rat. Weird.

graphicguy

I pulled all my credit cards from Chase. Not that I had all that much with them anyway, and I always pay off monthly. They couldn't get out of their own way with a magnifying glass. They are the most inept bank I've ever dealt with. I still get mailers from them every week wanting me to finance a mortgage, take out another credit card, or the latest, deposit $5K and get a $200 VISA Debit Card. For me to turn down $200 for nothing means I must really dislike/mistrust them.

I think it was an MKC that Lincoln gave me a $100 giftcard to keep over the weekend. I remember it being pretty nice. I don't know what the pricing delta is between an Escape and the MKC. If it were $2K-$3K, I might consider the Lincoln. More than that? Yeah, the Lincoln is nicer inside. It drives well for an SUV. But, it's not head and shoulders better than an Escape.

stever

Chase always tried to get me with foreign exchange fees so I switched to Capital One. But I mostly turned off junk mail from both of them. Should be illegal for them to send those "blank checks" in the mail. My score was around 800 for years but when we moved to Las Cruces and got the latest house, the Transunion score dropped to 760. Couldn't figure that one out (put 20% down on the house). But we haven't had any other kind of payment for decades and always pay our cards off every month and don't have many cards. All that zaps your score but I don't like playing the game by getting more revolving charge cards.

It does makes me want to buy a car on time just to get my score back up.

houdini1

roadburner said:

oldfarmer50 said:

Many a farmer has held a bank hostage because he owes more than the farm is worth. If they foreclose someone has to admit they made a bad bet. If they keep rolling the note over they can pretend they didn't.

Your post jogged my memory; the year before PCA shut the debtor off they had him sign a document that acknowledged that he had been advised by PCA that-while he met the minimum standards for the loan-he had been advised to not borrow the entire amount he was eligible to get.

There was a period back in the 90's, before I retired, I wrote insurance for several banks and financial institutions. This was when the EPA was going wild with "superfund" locations that had been contaminated in past years. Any property that could be shown to have, or at one time had, an underground fuel tank, could incur millions of dollars in cost to clean up those sites. The very last thing a financial institution wanted to do back then was to repossess almost any property, for fear of incurring the cost of having to clean it up.

driver100

Just heard an ad on TV...new Toyota dealer. We don't get a car for you based on monthly payments...we get you the car you want and will make your payments fit the car. We can get you into the car you want if you have a credit score of 398!

Not sure what that means but assume it isn't great!

driver100

iluvmysephia1 said:

I did print a picture of the car out on my computer's printer and taped it up on the wall in my den at our rental home here in Dodge City. But I have not mentioned the "purchase" word once to her regarding the little orange rug rat. Weird.

If I were you iluv, I would keep that picture on the wall and never use the word "purchase" in relation to the 68 Datsun.

abacomike

driver100 said:

Just heard an ad on TV...new Toyota dealer. We don't get a car for you based on monthly payments...we get you the car you want and will make your payments fit the car. We can get you into the car you want if you have a credit score of 398! Not sure what that means but assume it isn't great!

Considering the range of FICO scores is 250-850, it's pretty bad.  

iluvmysephia1

If I were you iluv, I would keep that picture on the wall and never use the word "purchase" in relation to the 68 Datsun.

Because I'd be in trouble with my wife or you don't like the orange 4-door, driver100?

abacomike

Just left my cardiologist's office and am now at my primary care doctor's office.  The results of my stress test were not good.  My blood pressure is very high and I have to do back to the hospital next week to have 2 more stents put in my coronary arteries.  I don't know which days yet - waiting for call from the hospital.

roadburner

Hang in there Mike!!!

nyccarguy

roadburner said:

Hang in there Mike!!!

+1

stickguy

Must have been all the excitement from driving the 427 vette that got to you.

Hang in though. Maybe this time will be the charm!

Mr_Shiftright

abacomike said:

driver100 said:

Just heard an ad on TV...new Toyota dealer. We don't get a car for you based on monthly payments...we get you the car you want and will make your payments fit the car. We can get you into the car you want if you have a credit score of 398!

Not sure what that means but assume it isn't great!

Considering the range of FICO scores is 250-850, it's pretty bad.  

398? There are people who are legally dead who have a better score than that.

stickguy

And they are still voting in Chicago.