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Comments

  • abacomikeabacomike South FloridaPosts: 10,403
    I found this article on what police cars cost, fully equipped:

    "Let's see, the base price of one of the department's new Dodge Chargers is $21,955. But when you add the police package -- blinking lights, siren, video camera, an onboard computer and decals, to name a few accessories -- the price skyrockets to $42,000 per car."

    This is what I thought they would cost.  Highway Patrols add hemi's to their cars with special suspensions, bringing the cost up even more.

    2018 Mercedes S450

  • stickguystickguy Posts: 32,872
    30k is pretty low budget if that is kitted out. No trades. But elsewhere in the budget will be revenue from selling off the old ones.

    2019 Acura TLX A-spec 4 cyl. (mine), and 2013 Acura RDX AWD (wife's)

  • MichaellMichaell ColoradoPosts: 117,195
    Learned friends, I have a real estate question for y'all.

    I refinanced my mortgage not long ago and timed the market pretty well. I've got a 3.25% fixed 30 year mortgage. Unfortunately, I also have PMI, to the tune of over $200/mo.

    Recently, home values in Colorado have been increasing, and I discovered that a house down the street from me and is the same model sold for a very nice price about 6 weeks ago. A price, if I understand PMI correctly, that would allow me to drop PMI as my LTV would be under 80%.

    So .. my question is this. I want to drop PMI but I don't want to refinance. Do I simply contact my mortgage company and ask to do so? Do I need to get an official appraisal as justification?

    Any and all thoughts welcome.

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2016 VW Jetta 1.4T SE / 2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • fezofezo Manahawkin, NJPosts: 10,376
    I'm still shaking my head at the concept of trading the old police cars in. I know someone will buy them, but would you want a used police car? Not exactly the little old lady used cars.
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • ab348ab348 Dartmouth, Nova Scotia, CanadaPosts: 10,628
    I see all kinds of ex-police RWD Crown Vics up here. A lot of them are used as taxis. Some people just buy them to drive. Can't imagine you get much time out of one, but there is a market for them.

    2017 Cadillac ATS Performance Premium 3.6, 1968 Oldsmobile Cutlass S Holiday Coupe

  • abacomikeabacomike South FloridaPosts: 10,403
    fezo said:
    I'm still shaking my head at the concept of trading the old police cars in. I know someone will buy them, but would you want a used police car? Not exactly the little old lady used cars.
    I guess these "heavily used" vehicles make great conversation pieces - but that's about all I see in them.

    2018 Mercedes S450

  • abacomikeabacomike South FloridaPosts: 10,403
    ab348 said:
    I see all kinds of ex-police RWD Crown Vics up here. A lot of them are used as taxis. Some people just buy them to drive. Can't imagine you get much time out of one, but there is a market for them.
    I know a few of the local officers who told me that their patrol cars are treated very carefully in order to get as much mileage out of them as possible.  They are maintained impeccably by the motor pool and when a problem arises with one, it is immediately repaired so it can go back into service ASAP.

    I still wouldn't buy one.

    2018 Mercedes S450

  • fezofezo Manahawkin, NJPosts: 10,376
    Me neither but I remember guys buying Crown Vic's for the interceptor package.
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • Mr_ShiftrightMr_Shiftright Sonoma, CaliforniaPosts: 64,490
    edited April 2015
    Aspen Colorado used to have Saab police cars for decades, right up to around year 2000. Then Saab pulled the plug (that was stupid, eh?) I wonder what they're driving now? Toyota Highlander and Ford Escape Hybrids last I remember. They had a Volvo XC90 for a while but got rid of it because of poor fuel economy. The cops loved the Saabs except that they didn't have ground clearance for heavy snow conditions.
  • steverstever Posts: 52,462
    Michaell said:

    So .. my question is this. I want to drop PMI but I don't want to refinance. Do I simply contact my mortgage company and ask to do so? Do I need to get an official appraisal as justification?

    We got rid of it one time by simply applying, no appraisal needed. But that was back in the early 90s iirc. Even so, an appraisal down here runs $500 so the payback would be quick.

  • nelsonfnelsonf SeattlePosts: 104
    robr2 said:

    Go Jumbo! (Tufts mascot, right?)

    Belated congrats, robr2!!!

    That's right. Tufts' mascot is Jumbo the Elephant. Phineas T. Barnum was a benefactor of the school in the 1800's. When Jumbo was killed by a locomotive, Barnum had him mounted and he went on a 4 year tour before coming to his permanent home at Tufts. Jumbo was there until a fire in 1975 destroyed him and Barnum hall. But the spirit of Jumbo lives on - some of his ashes were collected and placed in a peanut butter jar that is kept in the athletic department. Athletes rub the jar for luck.

    A new full size bronze Jumbo was put into place and dedicated a couple of weeks ago. It's 11' tall and 18' long and was paid for by a couple of alumni.
    Hey Robr2,

    Do you remember the big pink elephant out in front of Peabody Chrysler Plymouth back in the 80's and 90's?

    I worked there in the late '80's, and every so often some of the kids from Tufts would swipe it as a joke. (It was mounted on a trailer for parades and stuff) It was always found unharmed.

    I know they closed down a few years ago, but I wonder where the elephant ended up.

    Currently own: 2017 BMW M4, 2011 Nissan Frontier Pro-4X Used to own: 2008 VW R32, 1998 Jeep Cherokee Sport, 1987 BMW 325IS

  • robr2robr2 BostonPosts: 8,863
    edited April 2015
    General replies:

    Steven Wright graduated from Emerson College in Boston that offers degrees in journalism, marketing, performing and visual arts and, communications. Guys like Jay Leno and Norman Lear graduated from there as well. Wright grew up in the town I live in as well as Amy Poehler of SNL and Parks and Recreation fame. Her mom was a teacher at the high school until recently and Ms Poehler visits town often without any fanfare.

    I do remember the pink elephant from Peabody Chrysler. I have no idea where it is now.

    Our town buys it's police cruisers as part of a consortium of cities and towns. Black and White Explorers and Taurus' are ordered once a year by the consortium and delivered to one dealer. The cars are then prepped by a specialist company. My town went with the Explorers as Ford designed the interiors to accept mounting pods and equipment from the Crown Vic. $25-30K is the norm if they are swapping equipment.

    The Explorer Utility Interceptor has an MSRP of $30,405. Invoice is about $28,400. Add in computers, racks, radios, lettering, light bar, et al and it could hit $40K.

    The PD trickles down the old cruisers. When a vehicle is retired, the better ones are handed down to other departments - fire inspection, building inspectors, DPW, recreation commission, et al. The rougher ones are scavenged for parts.
  • nyccarguynyccarguy Stamford, CTPosts: 13,299
    Michaell said:

    Learned friends, I have a real estate question for y'all.

    I refinanced my mortgage not long ago and timed the market pretty well. I've got a 3.25% fixed 30 year mortgage. Unfortunately, I also have PMI, to the tune of over $200/mo.

    Recently, home values in Colorado have been increasing, and I discovered that a house down the street from me and is the same model sold for a very nice price about 6 weeks ago. A price, if I understand PMI correctly, that would allow me to drop PMI as my LTV would be under 80%.

    So .. my question is this. I want to drop PMI but I don't want to refinance. Do I simply contact my mortgage company and ask to do so? Do I need to get an official appraisal as justification?

    Any and all thoughts welcome.

    Check with your mortgage company, but I'm pretty sure you'll need an inspection. But you are right, once you have 80% equity, PMI goes away (with an inspection).

    2001 Prelude Type SH, 2015 Infiniti Q40 AWD, 2017 Honda Pilot Touring AWD

  • driver100driver100 Burlington, ON 7 mo/Tampa FL 5 moPosts: 24,601
    edited April 2015
    robr2 said:

    General replies:

    Steven Wright graduated from Emerson College in Boston that offers degrees in journalism, marketing, performing and visual arts and, communications. Guys like Jay Leno and Norman Lear graduated from there as well. Wright grew up in the town I live in as well as Amy Poehler of SNL and Parks and Recreation fame. Her mom was a teacher at the high school until recently and Ms Poehler visits town often without any fanfare.

    I do remember the pink elephant from Peabody Chrysler. I have no idea where it is now.

    Our town buys it's police cruisers as part of a consortium of cities and towns. Black and White Explorers and Taurus' are ordered once a year by the consortium and delivered to one dealer. The cars are then prepped by a specialist company. My town went with the Explorers as Ford designed the interiors to accept mounting pods and equipment from the Crown Vic. $25-30K is the norm if they are swapping equipment.

    The Explorer Utility Interceptor has an MSRP of $30,405. Invoice is about $28,400. Add in computers, racks, radios, lettering, light bar, et al and it could hit $40K.

    The PD trickles down the old cruisers. When a vehicle is retired, the better ones are handed down to other departments - fire inspection, building inspectors, DPW, recreation commission, et al. The rougher ones are scavenged for parts.

    Why do police cars usually have ugly black wheels and no disc on them? It is a dead giveaway if they think it is looks like a normal civilian car.

    I saw a Crown Vic for sale, it must have been an ex- police car or taxi before. It was painted pure white, it still had black wheels, it looked like the springs and shocks were gone as it sat about 2 inches off the ground, and they wanted $6.995 for it....I couldn't imagine having it sit in my driveway, my neighbors would think I worked undercover for the Drug Enforcement Agency..

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • MichaellMichaell ColoradoPosts: 117,195
    nyccarguy said:
    Learned friends, I have a real estate question for y'all. I refinanced my mortgage not long ago and timed the market pretty well. I've got a 3.25% fixed 30 year mortgage. Unfortunately, I also have PMI, to the tune of over $200/mo. Recently, home values in Colorado have been increasing, and I discovered that a house down the street from me and is the same model sold for a very nice price about 6 weeks ago. A price, if I understand PMI correctly, that would allow me to drop PMI as my LTV would be under 80%. So .. my question is this. I want to drop PMI but I don't want to refinance. Do I simply contact my mortgage company and ask to do so? Do I need to get an official appraisal as justification? Any and all thoughts welcome.
    Check with your mortgage company, but I'm pretty sure you'll need an inspection. But you are right, once you have 80% equity, PMI goes away (with an inspection).
    Inspection or appraisal?

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2016 VW Jetta 1.4T SE / 2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • steverstever Posts: 52,462
    edited April 2015
    @nyccarguy raises an interesting angle - back in the day you may have been able to get rid of the PMI with just a Realtor's market analysis of your home. Guess it all depends on the lender. My guess is that most require an appraisal these days. And knowing Denver, they probably run $800 up your way.

    This is new to me - "Federal law requires lenders to tell the buyer at closing how many years and months it will take for them to reach that 80 percent level and cancel PMI. Lenders must automatically cancel PMI when the balance hits 78 percent." (Bankrate)
  • robr2robr2 BostonPosts: 8,863
    driver100 said:

    robr2 said:

    General replies:

    Steven Wright graduated from Emerson College in Boston that offers degrees in journalism, marketing, performing and visual arts and, communications. Guys like Jay Leno and Norman Lear graduated from there as well. Wright grew up in the town I live in as well as Amy Poehler of SNL and Parks and Recreation fame. Her mom was a teacher at the high school until recently and Ms Poehler visits town often without any fanfare.

    I do remember the pink elephant from Peabody Chrysler. I have no idea where it is now.

    Our town buys it's police cruisers as part of a consortium of cities and towns. Black and White Explorers and Taurus' are ordered once a year by the consortium and delivered to one dealer. The cars are then prepped by a specialist company. My town went with the Explorers as Ford designed the interiors to accept mounting pods and equipment from the Crown Vic. $25-30K is the norm if they are swapping equipment.

    The Explorer Utility Interceptor has an MSRP of $30,405. Invoice is about $28,400. Add in computers, racks, radios, lettering, light bar, et al and it could hit $40K.

    The PD trickles down the old cruisers. When a vehicle is retired, the better ones are handed down to other departments - fire inspection, building inspectors, DPW, recreation commission, et al. The rougher ones are scavenged for parts.

    Why do police cars usually have ugly black wheels and no disc on them? It is a dead giveaway if they think it is looks like a normal civilian car.

    I saw a Crown Vic for sale, it must have been an ex- police car or taxi before. It was painted pure white, it still had black wheels, it looked like the springs and shocks were gone as it sat about 2 inches off the ground, and they wanted $6.995 for it....I couldn't imagine having it sit in my driveway, my neighbors would think I worked undercover for the Drug Enforcement Agency..

    It's a cost issue. Wheel covers don't offer anything useful hence departments don't bother with them. It may be a dead give away but the ones you really need to look out for are the totally normal looking cars. I've seen everything from a sales rep spec Malibu to an Explorer Limited to a GTI used in this area as true under cover cars. It's pretty funny to see the blue lights that have been imbedded in a Yakima roof box come to life on the Explorer.
  • nyccarguynyccarguy Stamford, CTPosts: 13,299
    Michaell said:
    nyccarguy said:
    Learned friends, I have a real estate question for y'all. I refinanced my mortgage not long ago and timed the market pretty well. I've got a 3.25% fixed 30 year mortgage. Unfortunately, I also have PMI, to the tune of over $200/mo. Recently, home values in Colorado have been increasing, and I discovered that a house down the street from me and is the same model sold for a very nice price about 6 weeks ago. A price, if I understand PMI correctly, that would allow me to drop PMI as my LTV would be under 80%. So .. my question is this. I want to drop PMI but I don't want to refinance. Do I simply contact my mortgage company and ask to do so? Do I need to get an official appraisal as justification? Any and all thoughts welcome.
    Check with your mortgage company, but I'm pretty sure you'll need an inspection. But you are right, once you have 80% equity, PMI goes away (with an inspection).
    Inspection or appraisal?
    Appraisal.  Sorry.  Wife is working today & I'm in charge of the kiddos

    2001 Prelude Type SH, 2015 Infiniti Q40 AWD, 2017 Honda Pilot Touring AWD

  • nyccarguynyccarguy Stamford, CTPosts: 13,299
    edited April 2015
    robr2 said:
    @robr2 - Mazel-Tov on your son's acceptance to TUFTS!
    Thank you. If I were you, I'd stop getting a new car every 3 years and start putting that money aside for your 3 little ones. As a business owner, you'll get put through the wringer when it comes time for college.
    Why do you think I'm a CCBA member?  Admitting I have a problem is the 1st step.  

    Seriously though. Solid advice.  Thank-you.  College was expensive when I graduated in 1998.  It is insane today.  I'm scared to think of what it is going to cost me in 10 years when my oldest son graduates high school.

    2001 Prelude Type SH, 2015 Infiniti Q40 AWD, 2017 Honda Pilot Touring AWD

  • abacomikeabacomike South FloridaPosts: 10,403
    edited April 2015
    @nyccarguy said:

    Why do you think I'm a CCBA member?  Admitting I have a problem is the 1st step!

    Right you are, Bradd!  Living with it (like I do) is the tough part!!!

    2018 Mercedes S450

  • stickguystickguy Posts: 32,872
    PMI is one of the biggest scams going. They make Bernie the neighborhood loan shark look like Santa Claus.

    somewhere in the reams of documents you signed is something about getting rid of it. 1st step is usually to call and ask what the process is. I'm sure there is paperwork to file, and they will tell you what else you need.

    I have not had it in decades. I believe we got rid of it by selling the townhouse we had it on. Might have had it on the new house we bought after that, but if we did it was not long until we refi'd and made it go away.

    2019 Acura TLX A-spec 4 cyl. (mine), and 2013 Acura RDX AWD (wife's)

  • driver100driver100 Burlington, ON 7 mo/Tampa FL 5 moPosts: 24,601
    robr2 said:

    driver100 said:

    robr2 said:

    General replies:

    Steven Wright graduated from Emerson College in Boston that offers degrees in journalism, marketing, performing and visual arts and, communications. Guys like Jay Leno and Norman Lear graduated from there as well. Wright grew up in the town I live in as well as Amy Poehler of SNL and Parks and Recreation fame. Her mom was a teacher at the high school until recently and Ms Poehler visits town often without any fanfare.

    I do remember the pink elephant from Peabody Chrysler. I have no idea where it is now.

    Our town buys it's police cruisers as part of a consortium of cities and towns. Black and White Explorers and Taurus' are ordered once a year by the consortium and delivered to one dealer. The cars are then prepped by a specialist company. My town went with the Explorers as Ford designed the interiors to accept mounting pods and equipment from the Crown Vic. $25-30K is the norm if they are swapping equipment.

    The Explorer Utility Interceptor has an MSRP of $30,405. Invoice is about $28,400. Add in computers, racks, radios, lettering, light bar, et al and it could hit $40K.

    The PD trickles down the old cruisers. When a vehicle is retired, the better ones are handed down to other departments - fire inspection, building inspectors, DPW, recreation commission, et al. The rougher ones are scavenged for parts.

    Why do police cars usually have ugly black wheels and no disc on them? It is a dead giveaway if they think it is looks like a normal civilian car.

    I saw a Crown Vic for sale, it must have been an ex- police car or taxi before. It was painted pure white, it still had black wheels, it looked like the springs and shocks were gone as it sat about 2 inches off the ground, and they wanted $6.995 for it....I couldn't imagine having it sit in my driveway, my neighbors would think I worked undercover for the Drug Enforcement Agency..

    It's a cost issue. Wheel covers don't offer anything useful hence departments don't bother with them. It may be a dead give away but the ones you really need to look out for are the totally normal looking cars. I've seen everything from a sales rep spec Malibu to an Explorer Limited to a GTI used in this area as true under cover cars. It's pretty funny to see the blue lights that have been imbedded in a Yakima roof box come to life on the Explorer.
    That makes sense in a way.....but those wheels give it away a lot of the time for me.

    My idea is to have deputy cops with cameras on the dash. They drive on the highways and catch people who zig zag from lane to lane, cut people off, drive slow in the left lane, don't signal etc. These officers can write tickets. Cost of officer $200 a day, car and gas etc $100 a day, number of tickets written, 10 a day @ $200 each = $2000 a day.

    They keep the roads safe and make money for the government coffers.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • bwiabwia Boston Posts: 2,337
    The new Interceptor with bullet proof doors is coming this summer and it is no $30k cruiser
  • bwia said:

    The new Interceptor with bullet proof doors is coming this summer and it is no $30k cruiser

    Bullet proof doors? I wonder how often that's an issue? I imagine the extra plating adds quite a bit of heft, particularly if they use armored glass which cannot be rolled down.
    Tesla Model 3, 2015 Subaru Outback
  • robr2robr2 BostonPosts: 8,863
    Ford has been offering ballistic panels for the front doors of both the Explorer and Taurus police interceptor since they were introduced.

    Reading some articles shows how much thought goes into designing a police car beyond the mechanical requirements. There are various other special items:

    custom headlight and tail light housings that makes it easy to add wiring for wigwag and other lighting features
    modified bumpers to allow for easy installation of push bars
    extra wiring for lights in the mirrors, quarter panels, et al.

    Ford seems to be offering lots of the upfit items right from the factory so that local departments need to worry only about the roof lights.

    Another neat thing is that Ford doesn't paint the vehicles black and white. Instead the department picks the base color and then Ford can vinyl wrap the doors, hood, trunk, roof in white. When the car is retired, the wrap can be pulled off and the vehicle can be sold off without need for paint.
  • driver100driver100 Burlington, ON 7 mo/Tampa FL 5 moPosts: 24,601
    robr2 said:

    Ford has been offering ballistic panels for the front doors of both the Explorer and Taurus police interceptor since they were introduced.

    Reading some articles shows how much thought goes into designing a police car beyond the mechanical requirements. There are various other special items:

    custom headlight and tail light housings that makes it easy to add wiring for wigwag and other lighting features
    modified bumpers to allow for easy installation of push bars
    extra wiring for lights in the mirrors, quarter panels, et al.

    Ford seems to be offering lots of the upfit items right from the factory so that local departments need to worry only about the roof lights.

    Another neat thing is that Ford doesn't paint the vehicles black and white. Instead the department picks the base color and then Ford can vinyl wrap the doors, hood, trunk, roof in white. When the car is retired, the wrap can be pulled off and the vehicle can be sold off without need for paint.

    They have offered Ford Interceptors with bulletproof doors since at least 2012. This article is quite interesting and has some interesting bits of information.

    FORD INTERCEPTOR POLICE CARS

    One line I liked was:
    The car accelerated briskly, and the special gearbox kept the car in low gears when other transmissions would upshift (very important when coming out of corners). In comparison, the Crown Victoria was all over the place and felt like a dinosaur in terms of agility and age.

    And this tidbit of information:
    . "Also, a first for police cars is that it has a 75-mph rear crash rating, important when the car is pulled over on the side of the road."

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • verdugoverdugo Posts: 2,282
    carnaught said:

    Cell phone options for music streaming through an app. like Pandora are hardly free as there are costs for using data for such apps. or for WiFi tethering.

    FYI, T-Mobile doesn't charge for data used while streaming music for some apps. I know Pandora is free, but I'm not sure what others are included.
  • robr2robr2 BostonPosts: 8,863
    verdugo said:

    carnaught said:

    Cell phone options for music streaming through an app. like Pandora are hardly free as there are costs for using data for such apps. or for WiFi tethering.

    FYI, T-Mobile doesn't charge for data used while streaming music for some apps. I know Pandora is free, but I'm not sure what others are included.
    True - you get 4G LTE up to the amount you pay for. After that, it drops down to 3G and that is unlimited.
  • nyccarguynyccarguy Stamford, CTPosts: 13,299
    robr2 said:

    nyccarguy said:

    @robr2 - Mazel-Tov on your son's acceptance to TUFTS!

    Thank you.

    If I were you, I'd stop getting a new car every 3 years and start putting that money aside for your 3 little ones. As a business owner, you'll get put through the wringer when it comes time for college.
    So are you trying to tell me to step away from the new vehicle configurator?

    2001 Prelude Type SH, 2015 Infiniti Q40 AWD, 2017 Honda Pilot Touring AWD

  • stickguystickguy Posts: 32,872
    Nah. Go for it

    2019 Acura TLX A-spec 4 cyl. (mine), and 2013 Acura RDX AWD (wife's)

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