Chronic Car Buyers Anonymous (Archived)

Michaell

tifighter said:

Car payment chart. Discuss-
Hello Wyoming and Texas.

I'll guess all the folks in Wyoming paying $1K/mo live in Jackson Hole.

Can't imagine anyone in Laramie, Cheyenne or Casper paying that much.

tifighter

But trucks, trucks, trucks, trucks...

ronsteve

Michaell said:

tifighter said:

Car payment chart. Discuss-
Hello Wyoming and Texas.

I'll guess all the folks in Wyoming paying $1K/mo live in Jackson Hole.

Can't imagine anyone in Laramie, Cheyenne or Casper paying that much.

New full-size pickups will set you back a pretty penny these days.

nyccarguy

I'm part of the 8.1% in CT. Not exactly proud of it, just stating the facts

stickguy

Did they specify if it’s for one car, or all your fleet? I could be in or out!

Wyoming, few people and do they have all the LLCs? Or is that just Montana?

stickguy

NY is fairly low. All the city folk without cars helping there.

qbrozen

Oh, if it is ALL payments, yeah, that could make a huge difference. I'm still not there, but technically could be if you figure we paid cash for the Sprinter and now just took out a HEL that I wouldn't have needed if I had that cash.

qbrozen

OH, forgot to mention that my wife saw this and said we should do a similar graphic scheme on the Sprinter. Fantastic idea, IMHO.

tifighter

I don't think they were talking about a fleet-

tifighter

I'm sure it will be fine...

xwesx

tifighter said:

Car payment chart. Discuss-

Hello Wyoming and Texas.

What the..... I cannot imagine!

Not surprised about the high numbers where they show up.... high percent of trucks in those regions (well, outside of CA), and trucks are expensive even in their cheapest form. I'm somewhat surprised that Alaska isn't in the yellow, TBH, because we're surely over 33% trucks on the road.

xwesx

stickguy said:

Did they specify if it’s for one car, or all your fleet? I could be in or out!

Wyoming, few people and do they have all the LLCs? Or is that just Montana?

Pretty sure that it is single payments at that level. Otherwise, a higher percent wouldn't surprise me in the least.

However, if all payments... how would they know? I think there would be a lot of conjecture involved.

Wow, @tifighter.... Those percentage changes are HUGE!

xwesx

qbrozen said:

OH, forgot to mention that my wife saw this and said we should do a similar graphic scheme on the Sprinter. Fantastic idea, IMHO.

Yes.

Michaell

ronsteve said:

Michaell said:

tifighter said:

Car payment chart. Discuss-
Hello Wyoming and Texas.

I'll guess all the folks in Wyoming paying $1K/mo live in Jackson Hole.

Can't imagine anyone in Laramie, Cheyenne or Casper paying that much.

New full-size pickups will set you back a pretty penny these days.

As my wife grew up in Cheyenne, I'm pretty sure a good part of the population isn't in a financial position to take on a $1k/mo car payment.

Michaell

stickguy said:

Did they specify if it’s for one car, or all your fleet? I could be in or out!

Wyoming, few people and do they have all the LLCs? Or is that just Montana?

I think only Montana has the LLC shortcut.

Though, my cousin's son in MO posted on FB that everyone there should register their car in SD - no taxes, and no residency requirement needed either.

Take that for what it's worth.

au1994

Grump Old Man question/comment…Do certain models of the new Mustang have some type of a “be a loud annoying a**hole button”? I was behind one this week and all of the sudden he accelerates and it is so loud I couldn’t hold a conversation. His flashers came on too.

stickguy

Well, we got a resident grumpy old man with a mustang to ask!

jmonroe1

corvette said:

The universe is really taunting me. Found this in the Kroger parking lot with a CarMax sticker on the back and a temp tag. My color, trim level, and powertrain, and a bed cover like I want.

————————————————-
Don’t tell anybody but I think that guy stopped to get some groceries before delivering your Maverick.

jmonroe

jmonroe1

tifighter said:

Car payment chart. Discuss-
Hello Wyoming and Texas.

————————————————-
Somebody once said, “there’s a sucker born every minute”. Now someone is telling us where they are.

jmonroe

explorerx4

V8 model Mustangs can be had with the Active Valve Exhaust option. Probably gets pretty loud.

au1994

explorerx4 said:

V8 model Mustangs can be had with the Active Valve Exhaust option. Probably gets pretty loud.

That would be it. It sounded quite normal until he stomped on it and started driving like an idiot.

fintail

xwesx said:

stickguy said:

Did they specify if it’s for one car, or all your fleet? I could be in or out!

Wyoming, few people and do they have all the LLCs? Or is that just Montana?

Pretty sure that it is single payments at that level. Otherwise, a higher percent wouldn't surprise me in the least.

However, if all payments... how would they know? I think there would be a lot of conjecture involved.

Wow, @tifighter.... Those percentage changes are HUGE!

Same even in eastern WA. But I think all of the 20 year old hoopties on 3 different wheels and vape smoke pouring out the window (and still financed) even it out here.

What a difference a year can make, looks like I will be holding on to the wagon for the long haul indeed.

corvette

au1994 said:

explorerx4 said:

V8 model Mustangs can be had with the Active Valve Exhaust option. Probably gets pretty loud.

That would be it. It sounded quite normal until he stomped on it and started driving like an idiot.

But did it jump the curb?

laurasdada

tifighter said:

Car payment chart. Discuss-
Hello Wyoming and Texas.

Woo hoo! I'm in the top 10.6%! But, at 0%.

roadburner

Speaker Upgrade Update:
Bavsound contacted me today and agreed that the E36 convertible kit would fit my car, they offered me the speakers at the same price and threw in free shipping. So I'm a happy camper.

stickguy

I can see it from their perspective. they work off the books they have, and know from experience it is a bad idea to send something that won't fit since all that can happen is they get something back they can't use. Probably doing most people a favor keeping them out of trouble.

any time you go off the matrix it will take special handling. either that or they agree to send what you want but no returns!

oldfarmer50

roadburner said:

oldfarmer50 said:

qbrozen said:

Oh, I'm not joking!
The rear opening of the sprinter is 61". Plenty of room. And, being RHD, I can easily open the door once inside thanks to the side sliding door of the van. It is almost like it was made for the task. lol.

Just don’t do this:

https://youtu.be/IMtuEg-n1ZI

Reminds me of a guy on Edmunds in a Mustang topic many years ago; he annoyed everyone for months agonizing over the correct color combo for the Mustang he was ordering. When he finally got the car he noted a paint imperfection that was only visible lying on his back and looking at the underside of the rear bumper. One wag commented that that type of paint damage was usually due to the car falling off the hauler during delivery.. Things got even more entertaining from that point...

That guy sounds like me.😢

oldfarmer50

tifighter said:

Car payment chart. Discuss-
Hello Wyoming and Texas.

I would imagine that in those two states you need a big truck for plowing snow or hauling cattle. Those aren’t cheap. As stickguy said, in NY a lot of city people don’t drive and us upstaters buy rusted out hoopties for cash which skews the statistics.

The largest payment I ever had was about $450/mo. @ 1.89%..

oldfarmer50

au1994 said:

Grump Old Man question/comment…Do certain models of the new Mustang have some type of a “be a loud annoying a**hole button”? I was behind one this week and all of the sudden he accelerates and it is so loud I couldn’t hold a conversation. His flashers came on too.

The newer ones (18’+ I think) have an active exhaust option. You can switch to several settings from quiet to obnoxious. I had to drive one once where the customer had left it set to the loudest level and I couldn’t find the switch to turn it down. Made for a dramatic entrance into the parking garage.

I had to go to Borla to get mine to sound better.

qbrozen

I’m gonna go Borla active sport cherry bomb exhaust on the Suzuki. How else can I unleash all 660 ccs of fury?

stickguy

Will sound good buzzing through a CVT

qbrozen

no, no CVT for me, thanks.

28firefighter

qbrozen said:

I’m gonna go Borla active sport cherry bomb exhaust on the Suzuki. How else can I unleash all 660 ccs of fury?

NOS.

stickguy

Oh, the Suzuki is a manual? I know a lot of those Kei cars are autos, I assume CVTs. IOW glorified lawn mowers.

roadburner

stickguy said:

I can see it from their perspective. they work off the books they have, and know from experience it is a bad idea to send something that won't fit since all that can happen is they get something back they can't use. Probably doing most people a favor keeping them out of trouble.

any time you go off the matrix it will take special handling. either that or they agree to send what you want but no returns!

I agree for the most part; what aggravated me was that Bavsound had a YouTube installation video that used the E36 convertible kit for a 318ti. I'm just glad that they corrected the problem.

roadburner

au1994 said:

explorerx4 said:

V8 model Mustangs can be had with the Active Valve Exhaust option. Probably gets pretty loud.

That would be it. It sounded quite normal until he stomped on it and started driving like an idiot.

I know you can set the AVE to be quiet at startup so as not to annoy the neighbors.

breld

We were contacted by our Ford dealer to convert our 2022 Bronco order to a 2023...this was the order we placed before finding ours in Michigan. What the heck...why not. So we updated our order to a 2-door Heritage Edition in cactus gray with the white top. Which basically looks like my wife's old MINIs she had, but on steroids.

breld

Can't remember if I mentioned it or not, but I also went ahead and placed a deposit on a Polestar 3.

I've been exploring options to move on from the Polestar 2 so I can try something else out before the 3 arrives (at least a year away). So when people recommend to my wife and I that we should just lease, my response is usually along the lines of, "a lease tends to be too restrictive," and that's being proven out here...

• A Ford dealer who really wanted to take the Polestar in and sell me a Mach E contacted the Volvo/Polestar dealer who told them only a Volvo/Polestar dealer could take it in on trade. Based on reading the contract, not sure that's right, but okay.
  
• Went to the dealership network that includes Polestar to get a trade, thinking they could simply buy it back. The payoff they come back with includes sales tax, which I point out, but they insisted that's the payoff they'd be subject to.
  
• Talked to Polestar Financial Services directly about the early term provision. Got a quote, but their wholesale value is $2,500 less than the trade offers I've received (the trade offers were in line with the payoff before sales tax).
  

So, what I've realized is how distinct the dealership is from the financial arm (kinda knew that, but this really emphasized the point). And...the Polestar 2 is perfectly fine and not worth the hassle to move on from.

qbrozen

stickguy said:

Oh, the Suzuki is a manual? I know a lot of those Kei cars are autos, I assume CVTs. IOW glorified lawn mowers.

3-speed auto. Pretty sure nothing from the '90s I'd be bringing here would have a CVT.

au1994

breld said:

Can't remember if I mentioned it or not, but I also went ahead and placed a deposit on a Polestar 3.

I've been exploring options to move on from the Polestar 2 so I can try something else out before the 3 arrives (at least a year away). So when people recommend to my wife and I that we should just lease, my response is usually along the lines of, "a lease tends to be too restrictive," and that's being proven out here...

• A Ford dealer who really wanted to take the Polestar in and sell me a Mach E contacted the Volvo/Polestar dealer who told them only a Volvo/Polestar dealer could take it in on trade. Based on reading the contract, not sure that's right, but okay.
  
• Went to the dealership network that includes Polestar to get a trade, thinking they could simply buy it back. The payoff they come back with includes sales tax, which I point out, but they insisted that's the payoff they'd be subject to.
  
• Talked to Polestar Financial Services directly about the early term provision. Got a quote, but their wholesale value is $2,500 less than the trade offers I've received (the trade offers were in line with the payoff before sales tax).
  

So, what I've realized is how distinct the dealership is from the financial arm (kinda knew that, but this really emphasized the point). And...the Polestar 2 is perfectly fine and not worth the hassle to move on from.

You’re awesome. Thank you for single-handedly trying to pull us out of a recession!

tifighter

Now we know why the fancy Ram trim is called 'Laramie'...

breld said:

Can't remember if I mentioned it or not, but I also went ahead and placed a deposit on a Polestar 3.

I've been exploring options to move on from the Polestar 2 so I can try something else out before the 3 arrives (at least a year away). So when people recommend to my wife and I that we should just lease, my response is usually along the lines of, "a lease tends to be too restrictive," and that's being proven out here...

• A Ford dealer who really wanted to take the Polestar in and sell me a Mach E contacted the Volvo/Polestar dealer who told them only a Volvo/Polestar dealer could take it in on trade. Based on reading the contract, not sure that's right, but okay.
  
• Went to the dealership network that includes Polestar to get a trade, thinking they could simply buy it back. The payoff they come back with includes sales tax, which I point out, but they insisted that's the payoff they'd be subject to.
  
• Talked to Polestar Financial Services directly about the early term provision. Got a quote, but their wholesale value is $2,500 less than the trade offers I've received (the trade offers were in line with the payoff before sales tax).
  

So, what I've realized is how distinct the dealership is from the financial arm (kinda knew that, but this really emphasized the point). And...the Polestar 2 is perfectly fine and not worth the hassle to move on from.

Ouch. They are definitely playing hardball. I like Polestars. But I don't like them that much.

tjc78

Volvo finance (assuming that’s what Polestar uses) is probably the most restrictive captive finance company

Only way you get out is to buy/lease another one and the dealer can then buy it out without tax.

oldfarmer50

qbrozen said:

I’m gonna go Borla active sport cherry bomb exhaust on the Suzuki. How else can I unleash all 660 ccs of fury?

With a motor that size do you really need a muffler? You might want to get something that makes it sound like a Lamborghini.🤪

oldfarmer50

breld said:

We were contacted by our Ford dealer to convert our 2022 Bronco order to a 2023...this was the order we placed before finding ours in Michigan. What the heck...why not. So we updated our order to a 2-door Heritage Edition in cactus gray with the white top. Which basically looks like my wife's old MINIs she had, but on steroids.

So what’s the plan for the one you have now, flip it when the new one arrives? Will the market still be kind to you by then?

oldfarmer50

Welcome to the rust belt:

https://youtube.com/shorts/n_ScBC-j6Qk?feature=share

stickguy

oldfarmer50 said:

breld said:

We were contacted by our Ford dealer to convert our 2022 Bronco order to a 2023...this was the order we placed before finding ours in Michigan. What the heck...why not. So we updated our order to a 2-door Heritage Edition in cactus gray with the white top. Which basically looks like my wife's old MINIs she had, but on steroids.

So what’s the plan for the one you have now, flip it when the new one arrives? Will the market still be kind to you by then?

You need to keep up. The Breld Bronco has long since been sent down the road.

stickguy

Zero chance I’m buying a used car up here without having it up on a lift with a pro jabbing a screw driver everyplace.

explorerx4

I was just checking auto loan rates. Most are higher than I've ever paid.

stickguy

I think I probably had 8-10% back in the 80s. Much cheaper cars though!

If the interest rate increase is too much to handle, you (not you personally, the royal you) probably are spending too much on the car anyway. So don’t buy, or get something cheaper.

Michaell

stickguy said:

I think I probably had 8-10% back in the 80s. Much cheaper cars though!

If the interest rate increase is too much to handle, you (not you personally, the royal you) probably are spending too much on the car anyway. So don’t buy, or get something cheaper.

"But I want the Belchfire Unobtanium trim with the optional hydra-duty transmission and rich Corinthian leather"

And now you begin to understand how people are ending up with $1K/mo car payments.

I'm pretty sure I had a few loans in the 80's at that rate as well. I think the most expensive car we got at that time was the '88 Isuzu Trooper, which was a dealer demo and we got it for $17K.