Edmunds Members - Cars and Conversations (Archived)

dino001

My last three loans were 60 months. First, 2003 Impreza WRX was with 10% down, carried almost to term (paid off a few months early to give myself flexibility to trade a paid car). The interest was (then low) 3.9 percent. Next was 2008 STI, this time at zero percent APR, so I took the entire equity of the WRX as a check (had to wait a few days until the bank paid the dealer for the car). Carried it 3 years, until got the 328. It will be paid off in two weeks, carried full term - actually I refinanced it "in-kind" two moths after the delivery in Germany (I just took the second delivery at the Spartanburg facility), as the dealer marked up the interest too much. Had to accept the dealer's offer, as it was a Euro delivery and no bank will finance an untitled vehicle to an individual without a proper cosign; here it was the dealer who vouched, but they took a nice cut for doing so. I carried it full term because all the excess money went to either retirement investments or principal on the house, which had higher APR. If everything stays as is, the house should be paid off in 5 years. Can't wait. I want my next car loan be 48 months, even 36 (unlikely), but will see how it shakes out. All potential next cars don't have those really low crazy rates (like zero or 1 percent). Once it is more than 2 percent, it still adds up to a few thousands over the life on a car I like. One after that - cash.

I simply hate paying interest. I understand whole concept of price of money and price of opportunity, but I still hate it. Now, receiving interest - whole other thing.

jmonroe

Mr_Shiftright said:

She's fine since it's a lease but the repairs have to be done to an acceptable standard.

I don't lease but I was told by a guy I used to work with a few years ago that diminished value DOES apply to a lease.

Could it be that he did not opt to pay for a plan that will cover diminished value? If it means anything he leased an Accord.

jmonroe

oldfarmer50

jmonroe said:

driver100 said:

jmonroe said:

roadburner said:

From my point of view, I could understand the guy wanting to save $1000, but trying for that last $120(which he wound up getting, BTW) just seems petty. My center doesn't pad the sticker with ADM charges or mop & glo- and most of our cars are advertised online for $2k to $5k under MSRP. The sales staff is professional and anything but pushy or high pressure.
We had another celebrity couple who argued over $20/month on a 24 month lease. Again, extremely wealthy(and obnoxious).

Like I said before, it didn't bother me that this exec wanted that extra $120. It must have been doable or your dealership wouldn't have done it. So, what is wrong with what he did? IMO, being petty would be your dealership saying NO, if in fact, they could have said YES. Why is it OK to overcharge anyone if you don't have to? The car biz created this sort of attitude about how they do business so don't blame buyers when they think they can get a better price.

It never hurts to ask.

jmonroe

Nah, there comes a point when you have to just give in. Trying to get the $120 worth of freebies is a power trip...showing he can get something too because he knows he will get away with it. Argue about the $700 DOC fee, ask for 5% off, but don't nickel and dime over $120.

We raced to the dealership and got the paperwork with the salesman done in 30 minutes. Then waited 2 hours for the F&I guy who was tied up with customers before us. After an hour and a quarter our salesman was feeling bad, he said go choose a gift from the gift shop on me. We chose a chrome license plate holder because of the Pink ones they put on their cars. He offered to pay which was really nice, but we paid for it...probably a lot more than they would be at a car store......but, why should our sales guy take a loss. It's just being decent, and it makes you feel better as a person.

Nothing morally wrong with bargaining every last dollar, it is the toll it takes on your own mind.

It never bothered my "mind" to ask for something more when I knew I'd be screwed even worse if I didn't ask. Dealers know how to sell cars, they do it every day. Us buyers, regardless of how many times we buy a car, are the ones that are trying to figure out how to do it. So when we latch onto something we feel is doable, why shouldn't we dig in. I'm sure dealers expect it and enjoy the process.

FWIW, I'd have done the same as you about paying for that license plate frame. After all, it wasn't the salesman's fault that the F&I office was backed up but it was a very nice gesture.

jmonroe

I've become a fan of the method espoused by several posters. Do your homework, decide on a price you're willing to pay and then walk if the dealer won't agree. It takes discipline to stick to your guns when you're lusting for a particular car but I think it works. Let them figure out where all the fees and ADMs fit in.

jmonroe

oldfarmer50 said:

jmonroe said:

driver100 said:

jmonroe said:

roadburner said:

From my point of view, I could understand the guy wanting to save $1000, but trying for that last $120(which he wound up getting, BTW) just seems petty. My center doesn't pad the sticker with ADM charges or mop & glo- and most of our cars are advertised online for $2k to $5k under MSRP. The sales staff is professional and anything but pushy or high pressure.
We had another celebrity couple who argued over $20/month on a 24 month lease. Again, extremely wealthy(and obnoxious).

Like I said before, it didn't bother me that this exec wanted that extra $120. It must have been doable or your dealership wouldn't have done it. So, what is wrong with what he did? IMO, being petty would be your dealership saying NO, if in fact, they could have said YES. Why is it OK to overcharge anyone if you don't have to? The car biz created this sort of attitude about how they do business so don't blame buyers when they think they can get a better price.

It never hurts to ask.

jmonroe

Nah, there comes a point when you have to just give in. Trying to get the $120 worth of freebies is a power trip...showing he can get something too because he knows he will get away with it. Argue about the $700 DOC fee, ask for 5% off, but don't nickel and dime over $120.

We raced to the dealership and got the paperwork with the salesman done in 30 minutes. Then waited 2 hours for the F&I guy who was tied up with customers before us. After an hour and a quarter our salesman was feeling bad, he said go choose a gift from the gift shop on me. We chose a chrome license plate holder because of the Pink ones they put on their cars. He offered to pay which was really nice, but we paid for it...probably a lot more than they would be at a car store......but, why should our sales guy take a loss. It's just being decent, and it makes you feel better as a person.

Nothing morally wrong with bargaining every last dollar, it is the toll it takes on your own mind.

It never bothered my "mind" to ask for something more when I knew I'd be screwed even worse if I didn't ask. Dealers know how to sell cars, they do it every day. Us buyers, regardless of how many times we buy a car, are the ones that are trying to figure out how to do it. So when we latch onto something we feel is doable, why shouldn't we dig in. I'm sure dealers expect it and enjoy the process.

FWIW, I'd have done the same as you about paying for that license plate frame. After all, it wasn't the salesman's fault that the F&I office was backed up but it was a very nice gesture.

jmonroe

I've become a fan of the method espoused by several posters. Do your homework, decide on a price you're willing to pay and then walk if the dealer won't agree. It takes discipline to stick to your guns when you're lusting for a particular car but I think it works. Let them figure out where all the fees and ADMs fit in.

I agree with you 100% but in my case I don't have to walk. Since I have bought my last three cars out of state all I have to do is say, "you're a little too high based on my research" and be ready to hang up. In all but one time, the sales guy said, "let me call you back". They did and I bought at my price.

Now I guess you want to know about the one time the dealer didn't lower his price. That was on my first Genny in '09. I knew he had a good price but I tried anyway. So, you're probably thinking I was taken by a couple hundred bucks. I wasn't, I convinced him to give me more than 200 bucks for my trade. This was at a dealership near Akron Ohio. I was sitting at the table ready to leave (it's only an easy 2 hour drive down the pike from where I live) when he finally went to the tower, came back, and said OK. Now, did I get the best of him? I'm sure I didn't. He got what he felt he had to get for his car and I got what I felt I had to get for my trade.

Like I have said before, "when two reasonable people are trying to make a deal, it will usually happen".

jmonroe

qbrozen

henryn said:

She dropped the car at the body shop, and the guy there (appraiser?) tells her they won’t replace the hood, they will repair it, which is fine. But he tells her that if they replace the hood, then the value of the car will be diminished because they can tell “by the numbers” that the car has been repaired.

They can tell it was repaired because it will be repaired, new hood or not. Diminished value will be the same either way.

houdini1

I don't think I have heard this discussed here but I could be wrong. How do you expert car detailers get the inside of the windshield and the rear window clean and sparkling? I end up becoming a contortionist (hard on an old man), think I have it spotless, and then when the sun hits it just right I see all the smears and streaks. I usually just use water or maybe windex.

ab348

It's hard to get it absolutely streak free. I used Stoner's Invisible Glass but still get marks. I'm told using crumpled-up newspaper to finish it works but I never had much luck and now I don't get a paper anyway so that's out. The worst part for me is the rear window just because the edges down low are hard to get at.

houdini1

ab348 said:

It's hard to get it absolutely streak free. I used Stoner's Invisible Glass but still get marks. I'm told using crumpled-up newspaper to finish it works but I never had much luck and now I don't get a paper anyway so that's out. The worst part for me is the rear window just because the edges down low are hard to get at.

Thanks ab, I've tried the newspaper trick as well and with the same results.

28firefighter

@fintail You may get your wish. 4+" of snow called in Seattle tomorrow. Let the emergency planning and shenanigans begin!

fintail

I use this stuff, it works wonderfully - and I am pretty OCD about glass cleanliness. I use it with a good quality low-lint paper towel.

Wally World usually has a good deal on 2-packs too.

houdini1 said:

I don't think I have heard this discussed here but I could be wrong. How do you expert car detailers get the inside of the windshield and the rear window clean and sparkling? I end up becoming a contortionist (hard on an old man), think I have it spotless, and then when the sun hits it just right I see all the smears and streaks. I usually just use water or maybe windex.

fintail

Fingers crossed! I am already stalking the various forecasts. I am on the eastside - downslope winds can make it more dry here, but I would be thrilled with a few inches. Let it start right after I get home, and then it can go on, I have Friday off

28firefighter said:

@fintail You may get your wish. 4+" of snow called in Seattle tomorrow. Let the emergency planning and shenanigans begin!

houdini1

fintail said:

I use this stuff, it works wonderfully - and I am pretty OCD about glass cleanliness. I use it with a good quality low-lint paper towel.

Wally World usually has a good deal on 2-packs too.

houdini1 said:

I don't think I have heard this discussed here but I could be wrong. How do you expert car detailers get the inside of the windshield and the rear window clean and sparkling? I end up becoming a contortionist (hard on an old man), think I have it spotless, and then when the sun hits it just right I see all the smears and streaks. I usually just use water or maybe windex.

Thanks fin, I'll give it a try.

cdnpinhead

oldfarmer50 said:

I've become a fan of the method espoused by several posters. Do your homework, decide on a price you're willing to pay and then walk if the dealer won't agree. It takes discipline to stick to your guns when you're lusting for a particular car but I think it works. Let them figure out where all the fees and ADMs fit in.

This is most certainly true, but it's always good to have a fallback before you go in to do the deal, preferably at a different dealer -- that way you're not so invested in the "prime" deal.

He who cares least wins the negotiation -- takes some preparation to care less, let alone least.

stickguy

I got the Acura detailed last year, and they did an amazing job. Like new, no streaks. Sadly I don't know the secret

thebean

fintail said:

I use this stuff, it works wonderfully - and I am pretty OCD about glass cleanliness. I use it with a good quality low-lint paper towel. Wally World usually has a good deal on 2-packs too.

+1 on this stuff.  I've used it for a while and it's really good.

houdini1

If you want the same make that you currently own, you can casually browse new cars as your car is being serviced. I think this gives you a small advantage because the salesperson has to come to you, and then gets invested when he/she thinks it was their skill and savvy that got you interested when you weren't before.

If you are shopping for a different make, tell them that you are about to buy a new whatever you are currently driving, and decided to look around a little to see if anything else interests you.

On the other hand, if you just walk in and say you are looking for a silver over black Audi A4, quattro, prestige model, they KNOW you already want the car. On the third hand, if you don't think they have that particular car, and you don't really want it, then go ahead and ask for it. That way they might try to palm the car you actually want off on you at a better price.

Being a psychopath helps too !

graphicguy

I use the "Sprayway" stuff from Costco. Not sure if it matters, but once I'm done using the Sprayway, I go back over the windshield with a very slightly damp towel. Seems to work for me.

driver100

I was reading where the debt load for car loans has been increasing, and this is not a good sign because if the economy slows there could be people who won't be able to make their car payments. Also, the length of the loans has lengthened, with some opting for 84 months payments.

About walking out when negotiating. Much easier to do on a new car....you can get them at another dealership. Not so easy if you see a CPO car you really want, you could lose it and not find another you like as much. How do you do that one?

houdini1

cdnpinhead said:

oldfarmer50 said:

I've become a fan of the method espoused by several posters. Do your homework, decide on a price you're willing to pay and then walk if the dealer won't agree. It takes discipline to stick to your guns when you're lusting for a particular car but I think it works. Let them figure out where all the fees and ADMs fit in.

This is most certainly true, but it's always good to have a fallback before you go in to do the deal, preferably at a different dealer -- that way you're not so invested in the "prime" deal.

He who cares least wins the negotiation -- takes some preparation to care less, let alone least.

Well, you can go in for service and just say you are killing time looking at new cars, IF, you are looking at the same model that

graphicguy said:

I use the "Sprayway" stuff from Costco. Not sure if it matters, but once I'm done using the Sprayway, I go back over the windshield with a very slightly damp towel. Seems to work for me.

Thanks, GG.

jmonroe

houdini1 said:

I don't think I have heard this discussed here but I could be wrong. How do you expert car detailers get the inside of the windshield and the rear window clean and sparkling? I end up becoming a contortionist (hard on an old man), think I have it spotless, and then when the sun hits it just right I see all the smears and streaks. I usually just use water or maybe windex.

I see you have already gotten some advice from some of the amateurs in here. I have used various potions and some are a little better than others but I have found that using a clean rag (micro fiber thingies) seem to work the best and taking your time even though being contorted is a PITA, is what works best for me. For the hard to reach places, I wrap the rag 2 times around a thin flat stick about 2 inches wide and do it that way, again taking my time.

I'm not going to say I never find a streak or two because even I have had them but they are rare and not to bad to touch up.

I saw somewhere on TV a triangular gizmo that seems to reach the entire windshield and rear glass but have not been able to find that thing at any auto parts stores around me. So, I still do it the old fashioned contorted PITA way. :@

jmonroe

henryn

driver100 said:

I was reading where the debt load for car loans has been increasing, and this is not a good sign because if the economy slows there could be people who won't be able to make their car payments. Also, the length of the loans has lengthened, with some opting for 84 months payments.

About walking out when negotiating. Much easier to do on a new car....you can get them at another dealership. Not so easy if you see a CPO car you really want, you could lose it and not find another you like as much. How do you do that one?

The simple answer is to not become invested in one used car. Keep your options open, keep looking. For most of us, there will be MANY used and/or CPO cars which will catch our eye. Look at how many different makes and models @qbrozen was looking at this last time around.

houdini1

jmonroe said:

houdini1 said:

I don't think I have heard this discussed here but I could be wrong. How do you expert car detailers get the inside of the windshield and the rear window clean and sparkling? I end up becoming a contortionist (hard on an old man), think I have it spotless, and then when the sun hits it just right I see all the smears and streaks. I usually just use water or maybe windex.

I see you have already gotten some advice from some of the amateurs in here. I have used various potions and some are a little better than others but I have found that using a clean rag (micro fiber thingies) seem to work the best and taking your time even though being contorted is a PITA, is what works best for me. For the hard to reach places, I wrap the rag 2 times around a thin flat stick about 2 inches wide and do it that way, again taking my time.

I'm not going to say I never find a streak or two because even I have had them but they are rare and not to bad to touch up.

I saw somewhere on TV a triangular gizmo that seems to reach the entire windshield and rear glass but have not been able to find that thing at any auto parts stores around me. So, I still do it the old fashioned contorted PITA way. :@

jmonroe

jmonroe said:

houdini1 said:

I don't think I have heard this discussed here but I could be wrong. How do you expert car detailers get the inside of the windshield and the rear window clean and sparkling? I end up becoming a contortionist (hard on an old man), think I have it spotless, and then when the sun hits it just right I see all the smears and streaks. I usually just use water or maybe windex.

I see you have already gotten some advice from some of the amateurs in here. I have used various potions and some are a little better than others but I have found that using a clean rag (micro fiber thingies) seem to work the best and taking your time even though being contorted is a PITA, is what works best for me. For the hard to reach places, I wrap the rag 2 times around a thin flat stick about 2 inches wide and do it that way, again taking my time.

I'm not going to say I never find a streak or two because even I have had them but they are rare and not to bad to touch up.

I saw somewhere on TV a triangular gizmo that seems to reach the entire windshield and rear glass but have not been able to find that thing at any auto parts stores around me. So, I still do it the old fashioned contorted PITA way. :@

jmonroe

Thanks jmonroe, I have one of those triangles on a stick and it beats not having one I guess. I usually wrap a mf rag around it anyway. I guess I'll have to clean the inside glass outside where I can see better instead of fooling myself in the dim light of the garage.

stickguy

I think I have one of those triangle things too. Have never used it. maybe I should.

I usually use invisible glass and paper towels. Then hit it with a microfiber cloth. Still end up with streaks though. Guess I have to try harder.

jmonroe

driver100 said:

I was reading where the debt load for car loans has been increasing, and this is not a good sign because if the economy slows there could be people who won't be able to make their car payments. Also, the length of the loans has lengthened, with some opting for 84 months payments.

About walking out when negotiating. Much easier to do on a new car....you can get them at another dealership. Not so easy if you see a CPO car you really want, you could lose it and not find another you like as much. How do you do that one?

How do you do that one? Easy, like you do and over pay 200 bucks.

Seriously, that is when the dealer has you right where he wants you but you can't let him see you panting over his car.

jmonroe

houdini1

Here is a car buying story that never happened. I believe it was 1987 and I had the hots for a new Acura Legend. We have 2 dealerships in the KC area under separate ownership. I go to the first one and get the usual treatment, they offer an OK deal, but nothing special, so I walked and went to the second dealer, over the state line in Missouri. Only about a 20 minute trip. This guy offers just about the same price to the dollar. I walk again.

Next day I go back to the original dealer. He tells me since I shopped him, his best price is now $1,000. higher. Now I didn't tell him I shopped him, so the 2 dealers must have talked to each other. The Legend was a hot item in those days so I guess they had a little deal going. I ended up with a BMW 3 series sedan.

That was almost 30 years ago and I hate to admit how many cars I have purchased since then, but you can be sure that none were purchased at either of those two dealers. In that time I have owned 2 Acuras. A 1993 Legend, bought from an out of town dealer and serviced locally at one of the dealers which had changed hands, and a 2005 RL that I bought from my son when he got a company car. Both fine cars, the dealers not so much.

oldfarmer50

roadburner said:

I helped deliver a car to a customer's home today; she had paid cash for a $70k vehicle. She had a house protected with electric gates that looked like they belonged on a military installation. The interior of the house was a wreck- she was a borderline hoarder. Really loopy. The salesman and I were glad to get the paperwork done and get out of there.

What did you do with all that cash? Did they send you because you were a judge or just to watch the other guy?

Michaell

oldfarmer50 said:

roadburner said:

I helped deliver a car to a customer's home today; she had paid cash for a $70k vehicle. She had a house protected with electric gates that looked like they belonged on a military installation. The interior of the house was a wreck- she was a borderline hoarder. Really loopy. The salesman and I were glad to get the paperwork done and get out of there.

What did you do with all that cash? Did they send you because you were a judge or just to watch the other guy?

I got the impression from rb's post that the transaction took place at the dealer; rb was simply delivering the car.

oldfarmer50

fintail said:

72 months? I've seen many ads, used cars, for 84 months. No kidding. I suppose it is a combination of a little instant gratification and maybe a larger dose of how incomes haven't kept pace.

The idea of grinding for 6 hours to save $100 is amusing. It might be a better use of energy to just get a part-time job

My in-laws financed for 84 months. I tried to point out that it might not be a good idea to finance a car for 7 years that had a 38% value after 3. They ignored me because they just wanted it over with. The salesman was virtually drooling.

oldfarmer50

Just got a call from my credit union trying to get me to refinance my car loan. I went with a commercial bank because they gave me 60 mo @ 1.89%. The CU couldn't match that for the 44 months I had left. The best they had was 1.74% for 36 mo. That would bump my monthly payment fro $450 to $580. I asked why would I go with that and she said "well you'd pay it off a year earlier". Ahh no, that's 8 months earlier for $130 more per month. I don't think we'll be seeing these under 2% loans much longer but why pay a loan fee to jump around over .05%?

stickguy

well, it is .15. I also never heard of a loan fee on a car loan but I also never used a CU.

Maybe rates overall are up? My son got approved last month when he thought he was getting a car that day, and they could do ~2.05% through Bank America. This week, that bank was up to ~2.48%. Audi financial was at 2.9%, but offered a $600 1st payment credit, so actually made the effective rate closer to 2.4%.

oldfarmer50

houdini1 said:

I don't think I have heard this discussed here but I could be wrong. How do you expert car detailers get the inside of the windshield and the rear window clean and sparkling? I end up becoming a contortionist (hard on an old man), think I have it spotless, and then when the sun hits it just right I see all the smears and streaks. I usually just use water or maybe windex.

Spray your window cleaner on newspaper and scrub with that. Never thought so but it works.

The detailer on my Mustang missed the bottom 6 inches of my rear glass and it looked like crap. Did the contortionist act with regular paper towels and it looked like you said, all streaked. Tried the newspaper and all clean.

henryn

I belong to 3 credit unions, none of them have a "loan fee" on a car loan. The best rate is 1.59%, 72 months, with 20% down. Next best is 1.99%.

oldfarmer50

stickguy said:

well, it is .15. I also never heard of a loan fee on a car loan but I also never used a CU.

Maybe rates overall are up? My son got approved last month when he thought he was getting a car that day, and they could do ~2.05% through Bank America. This week, that bank was up to ~2.48%. Audi financial was at 2.9%, but offered a $600 1st payment credit, so actually made the effective rate closer to 2.4%.

You're right .15% but still not worth it.

Loan fee...application fee...origination fee...call it what you want, it's about 60 bucks.

snakeweasel

Mr_Shiftright said:

At 80 months, on a $40K car with 10% down, 4.5% interest and 8% sales tax, you will have paid about $5800 in interest. (gasp!)

Actually it would be $6,195.48 in interest.

$3,678.86 for a 48 month loan but your monthly payment goes up $323.16.

snakeweasel

Driving home today I overtake a black very old very worn out Chevy Malibu with bright orange letters on the side that said "ROAD SIDE ASSISTANCE". I wondered if they were in the business of providing roadside assistance or were requesting it.

I mean if I was stranded on the road and they drove up I would run away.

ab348

Cringe-worthy car spotting: drove past the GM dealer where I got my ATS and they have a bunch of Cruze hatchbacks lined up along the front row next to the street. Each of them has a bunch of stick-on vinyl lettering on them saying "2017 Cruze Hatch" on the windshield, which is OK I guess. But along the bodysides they have in smaller lettering the line from the "Ordinary People" ad mouthed by that annoying lady in the orange pants: on the front fender "Business in the front" and on the rear quarter "Party in the back". Ugh.

suydam

I hate that ad and I hate that line.

jpp75

suydam said:

I hate that ad and I hate that line.

+1

28firefighter

+2

henryn

oldfarmer50 said:

stickguy said:

well, it is .15. I also never heard of a loan fee on a car loan but I also never used a CU.

Maybe rates overall are up? My son got approved last month when he thought he was getting a car that day, and they could do ~2.05% through Bank America. This week, that bank was up to ~2.48%. Audi financial was at 2.9%, but offered a $600 1st payment credit, so actually made the effective rate closer to 2.4%.

You're right .15% but still not worth it.

Loan fee...application fee...origination fee...call it what you want, it's about 60 bucks.

You need to find a better credit union. None of the 3 I belong to charge any such fee.

henryn

"Ordinary People" -- you mean the movie, from 1980? Or what exactly?

explorerx4

Currently we have 3 cars loans.
I took a 6 year loan on my F150, but should have it paid off in 2 years.
The other 2 are at 0%, going to pay one of those off early next year, so 3 years early.

fintail

+3, astoundingly irritating commercial.

Spraying glass cleaner onto the towel/paper is the way to go, no overspray.

snakeweasel

I found what I want for Christmas.

suydam

henryn said:

"Ordinary People" -- you mean the movie, from 1980? Or what exactly?

It's the title of the Cruze ad.

jmonroe

suydam said:

I hate that ad and I hate that line.

I guess I'm still under a rock. I have no idea what you guys are talking about.

jmonroe

roadburner

Michaell said:

oldfarmer50 said:

roadburner said:

I helped deliver a car to a customer's home today; she had paid cash for a $70k vehicle. She had a house protected with electric gates that looked like they belonged on a military installation. The interior of the house was a wreck- she was a borderline hoarder. Really loopy. The salesman and I were glad to get the paperwork done and get out of there.

What did you do with all that cash? Did they send you because you were a judge or just to watch the other guy?

I got the impression from rb's post that the transaction took place at the dealer; rb was simply delivering the car.

Exactly.

roadburner

My wife recommended a Norwex microfiber "window polishing" cloth. It's the best thing I've used to clean glass.

suydam

jmonroe said:

suydam said:

I hate that ad and I hate that line.

I guess I'm still under a rock. I have no idea what you guys are talking about.

jmonroe

A bunch of dumb people drool over a Cruze. That ad is EVERYWHERE!

stever

That's enough to keep me from searching out a Cruze Hatch to test drive - maybe if I got a mullet.

In '82 I got a personal loan for a couple of thousand bucks to buy the Tercel. The other $3,000 came out of my savings account. Paid off the loan in 6 months or so, and probably gave my credit rating a boost.

If I can find a 1% or less financing deal whenever we get a new car, I'll go for it. But that'll break my no car payment record dating back some 30 years.

That reminds me, saw an old two door Tercel today that I need to report spotting.