Did you recently take on (or consider) a loan of 84 months or longer on a car purchase?
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Chronic Car Buyers Anonymous (Archived)
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2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
Quick story - when we built our new home 4 years ago, the home was appraised as part of the process to validate the homebuilder's pricing. Not surprisingly, the appraisal came in right at the selling price. As I reviewed the appraisal in detail, I noted that the appraiser has made assumptions that there would be upgraded tiling in all the bathrooms and hardwood floors throughout the main floor (she was performing the appraisal before the completion of the home).
Because we were going to have all the main floor flooring and all 5 bathrooms tiled professionally post-purchase, we naturally elected no upgrades to those areas - so the house, as built, had the most basic flooring and bath tiling (vinyl on the floors and basic porcelain tiling at the baths).
I brought this to the attention of the appraiser, noting that surely the appraisal had to be adjusted downward to some extent, but she simply insisted that "those things actually don't make any difference on the appraisal." Bunch of hogwash - I'm quite certain if I was having my home appraised, it would make quite a difference if I had vinyl throughout the main floor, as opposed to hardwoods or tiling.
Appraisers are supposed to be independent, but I firmly believe they often have a pre-set agenda based on who is hiring them.
2024 Audi Q8 e-tron - 2017 911 C4S - 2025 BRZ - 2023 A6 Allroad - 2024 Genesis GV60 - 2019 Cayman
And, at the end of the day, they don't really care whether their assessment is accurate or not, as they get paid either way. So, if the person paying them is happy and they get their money, done deal!
When I "hired" an appraiser, it was through the bank where I was considering a construction loan. I had to pay the bank $500 for the appraisal as part of the overall process, so the guy felt like he was hired by the bank. He comes out, has an incredibly arrogant attitude, and continually pesters me about "what I need it to come in at." I made it very clear that I didn't "need" it to come in anywhere - the value is a function of the structure! After he tooled about the property for 45 minutes or so, he finally said, "so, what you're telling me and what you have on your house plans here seem to be different things; which is right?" I said that what we were telling him was right; we had to mod the original plans due to the skyrocketing inflation of building material prices over the intervening years since we began construction.
Then, he asks me, "what was the original home's estimated value?" I said, "our engineer said he thought it would be about $230 when finished."
Well, guess what? That's where he set the appraisal. And, if that was the case, the original home must have been upwards of $300K, which I know is a crock of poo! Icing on the cake, though, was that he took a set of my house plans with him (along with some original drawings we made of the planned modifications), and told me that he would leave the plans with the bank at the time he dropped off the appraisal. Of course, he did not do this. Several phone calls to his business went unanswered and unreturned. Then, finally I got through to him. He said that the would drop them at the bank that day and I could get them the next. I do this, no plans. I told the bank that I wasn't willing to pay for his BS appraisal and that I wanted my $500 back. Of course, they refused. So, we walked away from that whole crap scenario and continued building out of pocket, which we are doing still.
That was $500, a set of house plans, and many, many hours of my life I will never get back....! LOL
The most popular car in N.J. might surprise you
from Maine to CT - interesting..
- Ray
NOT a Camry buyer - in Georgia...
2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
'24 Chevy Blazer EV 2LT
Ray - where in CT did your daughter move to?
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
Did anyone else find it funny that GMC is tops in Vermont? That's a rather odd one-off.
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
My guess is that all those states with Ford or Chevrolet as the lead brand must buy a lot of trucks.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Maybe the hosts can figure this out.
Oh, wait ...
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Seems like I'm always on clean-up duty around here.
My wife's iPad often does the same thing - I just grabbed your pic and flipped it with an MS Office tool.
Pretty snazzy. Is it just me or do those wheels make me want a Coca-Cola?
LOL
2021 Kia Soul LX 6-speed stick
Latest plan is to wait for the 2016 Soul and Prius V to come out and compare 'em. Unless the van dies sooner. Been pretty good downsizing around here - so far.
I didn't get the Coca-Cola reference until I took a closer look at the wheels. Funny.
Clear bra and window tint scheduled for Friday. I'm off to the Mazda dealer to begin the process of getting the pro-rated refund of the extended warranty on the CX-7.
I also like that Soul .. fully loaded, it's got more stuff than the Outback. For a lot less money.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
The Kia dealer wrote me off after one lame phone message and a non-responsive email reply. But I know a guy in Michigan who'll quote me prices all day long.
Hey, maybe we can swap houses some week. You'll have to leave the Outback there (with the keys) so I can make it to the ski hill though.
'24 Chevy Blazer EV 2LT
And wouldn't you know it - finally got an email from the Kia salesguy an hour after my post. And another one just now after my reply about probably waiting for the 2016s.
You need to park the Fiesta near the Iditarod start next week. Hey, give away a free Husky puppy with it!
@suydam, I've read a lot of good stuff about the Encore. But it's more SUVy than hatchy and we want a boxy hatch (funky is good too). After I clunk a few rocks, I may be wishing for more GC though. The Soul looks to have quite a bit more cargo with the seats down. Better torque and warranty (expect drivetrain) on the Encore. And better mpg. Don't much like the idea of 18" wheels ($$ tires). No heated steering wheel or ventilated seats either.
The Outback looks fantastic! Pics were upside down on my PC at work, but perfect on my iPad at home. Best of luck with it!
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
Good luck with the Sube looks great.
If you plan on driving it upside down make sure you put a couple of layers of wax on the roof.
23 Telluride SX-P X-Line, 23 Camry XSE
Steve, if we swapped houses, we'd have to take the Subaru to get to NM. And, the daughter would still be there; not sure how she'd take to strangers in the house.
Thanks to all for the compliments on the Subaru; wife has gushed about it every day so far. No real bad weather to try it out in yet, but winter is not over around here.
And, best news, it fits in the garage with the parking block set in the same place I had it for the Mazda, even though the Subaru is 5" longer. Much of that is in front of the front wheels, apparently.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
I've pondered a 2015 Soul but my 2011 Soul only has 44,884 miles on it and I can't really justify trading it in at such a young, tender age.
2021 Kia Soul LX 6-speed stick
2024 Ram 1500 Longhorn, 2019 Jeep Wrangler Rubicon, 2019 Ford Mustang GT Premium, 2016 Kia Optima SX, 2000 Pontiac Trans Am WS6
2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
Edmunds Price Checker
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Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S
That being said about the grey, there is a sharp Deep Sea Blue metallic X3 that is calling my name at the moment
I like mixing up colors car to car. Others may not feel the same way.
2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
Nice car Michael - I'm sure it's a very competent vehicle with the 4 cylinder. I imagine that 6 cylinder transforms it into true luxury vehicle.
2024 Audi Q8 e-tron - 2017 911 C4S - 2025 BRZ - 2023 A6 Allroad - 2024 Genesis GV60 - 2019 Cayman
The Chevy they drove was in a metallic green that did the car no favors.
Other than that, it was a fun read - the review naturally gushed over the M5, but certainly showed appreciation for Chevy making a manual, V-8 sedan in this day and age.
2024 Audi Q8 e-tron - 2017 911 C4S - 2025 BRZ - 2023 A6 Allroad - 2024 Genesis GV60 - 2019 Cayman