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And over the 21 months that you've been on CarSpace you have posted exactly ten times.
I'd hate to see what you'd call unenthusiastic... :P
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
I can understand that but what I don’t understand is why/how dealers accept a personal check from a total stranger without running a credit check?
When I bought my last three cars (05’, 06’ and 09’) I paid by check and none of the dealers (all three were different) ask for my particulars so they could verify who I was. The thing that surprised me the most was the guy in Ohio when I bought the Genny in March of this year. I called him on a Thursday night and told him I wanted to put a deposit on the car so that he’d hold it until I could drive over there on Saturday. I gave him my credit card number for the deposit and when I ask him how he wanted paid; cashiers check, bank check, certified check or if he’d accept a personal check. I was kidding about the personal check comment but he said we’ll accept a personal check (after he checked with the sales manager). :confuse: I said OK but if you change your mind when I get there it will be a no sale because I do not plan to finance. I was planning on checking into financing when I got back to the Burgh. He said, “don’t worry your check will be fine”. I know my credit is pretty good but at that time he didn’t know anything about me.
We go to Ohio, everything works out and before we go into the F&I office, the F&I guy comes over to the salesman’s desk and says, “I can give you a $750 instant rebate” (he said that offer popped up on his computer just that morning when he logged on). I’m thinking ‘yeah, right, what’s the catch’. He said, “if you qualify for Hyundai financing and you finance at least $10K you can save $750 on the spot. I know you didn’t plan to finance but with that kind of a deal I think you’ll reconsider”. You’re darn right I’ll reconsider so I give him my particulars. He goes off and comes back in about 15 minutes smiling and shaking his head then says, “you really qualify, both of you have a score of 861” and immediately says “I never saw a husband and wife that had identical scores”. I said, “why is that so surprising? We have the same credit cards, same accounts with both of our names on them etc., etc.” He says, “I’m telling you it never happens like that and I‘ve never seen this before”. Then he goes on to say, “just make three payments and then pay it off after that if you want”.
BTW, when did scores start to come back in numbers like 861? When we refinanced in 03’ the scores were in increments of 5 and at that time we had different scores because I had a big box lumber outfit credit card in my name only, with a balance on it because I was taking advantage of their no financing charge if paid within 90 days offer.
I heard here, I think it was ‘joel’, who said if you pay off the loan before three payments are made the dealer doesn’t get any credit/money for the financing. So, although I won’t be saving all of the $750 after financing for three months, I plan to uphold my end of the deal since if he didn’t bring it up I wouldn’t have saved anything. FWIW, Son #1 was with me and had his financial calculator and did a quick calc and said I’d save a little over $600 after paying the biggest hit for the first 3 months of financing but like I said, if the F&I guy hadn’t brought up the offer I wouldn’t have saved anything.
So there, I’m a nice guy after all
jmonroe
'15 Genesis V8 with Ultimate Package and '18 Legacy Limited 6 cyl
There is lots of interesting stuff in your post JM. I am always sceptical when I am offered a fantastic rebate like $750 to get their financing. It just has to be at a higher rate than the bank, and it sounds too good a deal for most people to pass up....it is designed to be a nice little scam. But, you played it exactly right, get your rebate, then pay for the car as soon as possible, it's like beating the system.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
I see youngsters throw small change in the gutter from time to time. If I see a penny on the ground I pick it up. Can't help myself.
2013 LX 570 2016 LS 460
Yes, probably 80% of people are poor about money. A few years ago we bought a $1500 refrigerator from a department store......you don't have to pay for one year. We could have paid cash but why not use their money to buy the fridge. The catch is if you don't pay for it right on the day one year is up, you pay for the interest for the whole year at 24%. There is definitely a sucker born every minute!
On the excellent consumer show Marketplace (in Canada) it is amazing how many people apply for a loan from companies that advertise on the internet. You can get $10,000, $20,000 or more, all you have to do is wire a security deposit of $3500! One guy applied for a $30,000 loan and sent in his $3600 deposit. Marketplace couldn't find the office they said they were located in, and when they were told they were being investigated the website disappeared. Internet Loans
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
I'd hate to see what you'd call unenthusiastic...
In his defense, there's more to Edmund's than these forums (shocking as it might sound
Reason I ask is yesterday I went with a friend who is looking for a new car and really would like to get the new Fusion Hybrid. We went to a local dealer who had a basic one for the $27-28K sticker but they had an additional market adjustment of $6K on the car. My friend balked on the whole deal and I suggested looking at what other dealers around were asking for it.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
Isn't $21000 to $22000 ($27 - 28k - $6k) a good price for a Fusion Hybrid?
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
How long will it take before I drive away? What will you be doing to make sure my check will clear?
When I bought the car before my present one the salesperson I was talking to called and asked me if I was still interested in buying. I said I would buy, if they would knock $1000 more off the new car and give me $1000 more for my trade in. He hesitantly agreed. Since it was all verbal I didn't know whether it was a trick (how much we trust car dealers I guess). It was all good and they accepted a personal check as a down payment, of course the car was ready a few days later - stock item - so they had time to make sure the check would clear.
Which raises another question I would be curious to have answered. In your opinion to more cheques bounce on low priced cars, such as Kia's, or at the luxury dealership, such as Mercedes ?
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Hey Buddy..... How are you doing down there? Thank you for the link. I made it one of my favorites.... Sometimes you get people from out of state with different banks than the ones we use. Every bit of information is always helpful. Once again thanks!
I myself sold 23 cars last month and am looking to do the same this month.... Ya know what cracks me up is everyone says the economy sucks .... I beg to differ!
The $6K is on top of the $26-27K so its around $33K. And I don't think it's a good price.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
If you don't mind a trip to Tennessee....
If you were a previous customer, no problem. If you are a new customer one of 2 things. The easiest and quickest is a credit application and check and backup finance contract. Secondly, we could accompany you to your bank and get a counter check.
My guess is you would not trust your mother if she was trying to sell you a car. :shades:
Good answer....and you are right :shades:
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
The $6K is on top of the $26-27K so its around $33K. And I don't think it's a good price.
Gott ya, I thought the market adjustment went the other way. A market adjustment upward, I would never go for that. Soon, they can start manufacturing them faster if the demand is still there. Wait until people start having problems with Hybrids or something better comes out, then we'll see which way the market adjustments go.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
here is ct, real estate is definitely on the upswing.
some of the sales prices are higher than i thought they would be.
at the high school crew banquet, sat at a table with 4 other couples, 3 of which are in real estate related careers. they were all pretty upbeat.
there has been a lot of traffic related to people looking for homes in our neighborhood driving on our dead end street.
there are no homes for sale on my street.
when they get back down to my house they always slow down.
not sure if it is the house or all those nice fords on display.
It must be our generation, I do the same thing. The generation before us, the ones that lived through the depression taught us that. I remember my father couldn’t walk by a phone both without sticking his finger in the change return to see what he’d find. If I was with him and he found a nickel/dime he’d give it to me and said, “save it for when the ice truck comes around” and I did. My mother just shook her head.
Fast forward to when I had two sons; he showed them the same thing. When we went on vacations to Atlantic City with my parents before it turned into a gambling town, my sons would race to the phone booths, and there were plenty of them, to see what they could find. ‘You know who’ loved my father but would watch in disbelief saying, “aren’t there worthwhile things he can teach those kids, do they have to act like beggars”?
Fast forward again to the next generation, Son #1 showed his sons what his Pap-Pap showed him with the phone booths. When we were on vacation with Son #1 last summer, my oldest grand son (6 at the time) said, “hey dad there’s one of those things that might have some money in it, let’s go see”. ‘You know who’, said “ah no, not another generation”.
Oh well, it was fun while it lasted.
jmonroe
'15 Genesis V8 with Ultimate Package and '18 Legacy Limited 6 cyl
Yeah, the local real estate people here on LI are saying the same thing. While I'm happy to hear it, I've also read that this might be the proverbial dead cat bounce - that we haven't hit bottom yet. Many adjustable-rate loans will reset this year for the 1st time, & that might trigger another wave of defaults.
When I was stationed in CT (back when the Earth was cooling) it seemed like Volvo was the official state car.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
I wouldn't think it should be a shock that the dealerships who received that info wouldn't tell you.
It must be our generation, I do the same thing. The generation before us, the ones that lived through the depression taught us that.
I always pick them up also.... goes back to my childhood....
"Find a penny pick it, all day long you'll have good luck" The crazy part is I will actually say this while I am picking it up.... sometimes I have to do it under my breath so no one thinks I am crazy but it brings me back to my childhood.
Nah, it just means that you've watched "Grease" one too many times!
Then there are those who deliberately drop those pennies just to get a chuckle when you come by to pick them up. :P
tidester, host
SUVs and Smart Shopper
On April 1, the lead custodian in my wife's building decided to glue a few coins to the floor where most of the employees (and families of children in the program) enter. Guess he got a good laugh at that!
2014 Malibu 2LT, 2015 Cruze 2LT,
black e class; official car of fairfield county.
my kids used to say the the unoffical town station wagon was the MDX, but those dropped off the radar with the last redesign.
lots of camry's in the general area.
volvo's are the most numerous brand on my street.
our real estate never heated up as much as some other areas. it seems somewhat more stable. my house, built in 1998, never came close to doubling in value.
there was an article in the paper on sunday about a development in town, that stopped taking deposits. they had raised the base price 4 times and the houses were selling too fast.
so far, i have yet to see a fusion hybrid on the road.
Same with me, but back in my childhood you could actually buy something with a penny. :sick:
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
Neither have I. It's a handsome car, if the pictures are any indication.
2013 LX 570 2016 LS 460
My problem with Ford is that I can't seem to get over the nagging thought that no matter how good they look, underneath that fine exterior beats the heart of a Ford Falcon.
2013 LX 570 2016 LS 460
For example, the Cadillac Cimarron comes to mind.
Good point, not to mention the Aspen, Firenzas (2 different types but both losers), early Rabbits, Hyundai Pony, Pinto, Chevette, Pacer, Yugo, Aztek, Vega, most Fiats.
Somehow, the image does remain of those old clunkers, and I think of my 63 Comet, 3 on the tree, when I see a Ford. By the way, that new Taurus looks pretty good too, but a name like Crown Vic or Starliner :shades: might make for better memories.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2013 LX 570 2016 LS 460
What I intended to say was that the 2010 Fusion - both the ICE & the hybrid versions - is a handsome car. Sorry for the confusion.
Not what I'd consider anything remotely near collectibles (both the cars, and the couple). But, unless the cars were bought with the loose change we pick up off the ground, I don't think I'd invest much in either car (or the couple). :P
Yeah do you remember penny candy.... the lttle red fishes?
Of course it seem slow to evolve to you. You live in Kansas, you don't get the Sunday paper till Tuesday.
1973 I bought my first "new" car, a racing green Maverick with a 302 V8. My co-worker came to work about a week later with an orange Vega with white racing stripes.......made my Maverick look pretty lame. However, I did have a lot fewer problems with the Maverick, and the V8 in that little car (little at that time) could really go. But, the Vega looked good, until it fell apart.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
Yep I remember penny candy. We used to go down the ally looking for discarded pop bottles to take to the store for the 2 cent deposit and get some of that penny candy. Those were the days.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
I managed my share of penny candy for sure. When I was real little we had a store two blocks from the house that mostly sold bait and tackle and such but had a candy counter that we made good use of. Amazingly, as it was about to go out of business and apparently there was much talk amongst the adults that the best thing that could happen for the guy was for it to burn down it did. Amazing coincidence.
Funny thing is me and my sister drove through the old neighborhood two weekends ago. The penny candy store is long gone. Strange the neighborhood looked so different but looked so much the same.
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
Hot Tamales cnady not just for kids anymore :surprise: