Addiction - August 2012 addition
08-20-12, 10:31 AM
#1753
Scarlet Knight
tell them you have a loan secured at your bank and that you will be back with a check from the bank. They will give you a good rate. Otherwise, go to your bank and get a real loan. You should not be paying more than 5%
08-20-12, 10:36 AM
#1754
Senior Member
Yeah they're telling me 6%. I just told them to go kick rocks.
08-20-12, 10:38 AM
#1755
cowboy, steel horse, etc
Join Date: Sep 2008
Location: The hot spot.
Posts: 43,592
Bikes: everywhere
Mentioned: 71 Post(s)
Tagged: 1 Thread(s)
Quoted: 11776 Post(s)
Liked 6,735 Times
in
3,547 Posts
08-20-12, 10:54 AM
#1757
cowboy, steel horse, etc
Join Date: Sep 2008
Location: The hot spot.
Posts: 43,592
Bikes: everywhere
Mentioned: 71 Post(s)
Tagged: 1 Thread(s)
Quoted: 11776 Post(s)
Liked 6,735 Times
in
3,547 Posts
I can't imagine financing a car. Sounds totally insane to me.
08-20-12, 10:58 AM
#1759
Senior Member
Join Date: Jan 2010
Location: TC, MN
Posts: 39,505
Bikes: R3 Disc, Haanjo
Mentioned: 353 Post(s)
Tagged: 1 Thread(s)
Quoted: 20791 Post(s)
Liked 9,430 Times
in
4,662 Posts
08-20-12, 11:03 AM
#1760
Banned
Join Date: Oct 2007
Posts: 7,468
Bikes: 2011 Cervelo S2, 2001Trek USPS 5200, 06 Cervelo P3 Alum, 1999 Schwinn Pro Stock BMX, 1987 Schwinn Traveler
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
You Strava Freds are ruining mountain biking. https://www.bicycleretailer.com/news/...tail/7092.html
08-20-12, 11:10 AM
#1761
cowboy, steel horse, etc
Join Date: Sep 2008
Location: The hot spot.
Posts: 43,592
Bikes: everywhere
Mentioned: 71 Post(s)
Tagged: 1 Thread(s)
Quoted: 11776 Post(s)
Liked 6,735 Times
in
3,547 Posts
When I had cars I was all about 10 year old 'yotas. Get 'em for 1500-3000, replace every 3-5 years
08-20-12, 11:16 AM
#1762
Token Canadian
Join Date: Nov 2008
Location: Gagetown, New Brunswick
Posts: 1,555
Bikes: Cervelo S1, Norco Faze 1 SL, Surly Big Dummy, Moose Fatbike
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 200 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
You Strava Freds are ruining mountain biking.
I've always hated that characterization of mountain bikers as go-slow, weed-smoking, navel-contemplating hippies. Go fast or go home.
And who the hell has the breath to say "Strava run" during a Strava run? If you can talk, you are doing it wrong.
DG
08-20-12, 11:19 AM
#1763
cowboy, steel horse, etc
Join Date: Sep 2008
Location: The hot spot.
Posts: 43,592
Bikes: everywhere
Mentioned: 71 Post(s)
Tagged: 1 Thread(s)
Quoted: 11776 Post(s)
Liked 6,735 Times
in
3,547 Posts
So roadies will no longer own the Nazi tag?
I dunno what to think about that
I dunno what to think about that
08-20-12, 11:47 AM
#1764
Banned
Join Date: Oct 2007
Posts: 7,468
Bikes: 2011 Cervelo S2, 2001Trek USPS 5200, 06 Cervelo P3 Alum, 1999 Schwinn Pro Stock BMX, 1987 Schwinn Traveler
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Screw you. The point of a bicycle is to go fast. The point of a mountain bike is to go fast, offroad. It's even in the Olympics.
I've always hated that characterization of mountain bikers as go-slow, weed-smoking, navel-contemplating hippies. Go fast or go home.
And who the hell has the breath to say "Strava run" during a Strava run? If you can talk, you are doing it wrong.
DG
I've always hated that characterization of mountain bikers as go-slow, weed-smoking, navel-contemplating hippies. Go fast or go home.
And who the hell has the breath to say "Strava run" during a Strava run? If you can talk, you are doing it wrong.
DG
08-20-12, 11:59 AM
#1765
Senior Member
Join Date: Jan 2010
Location: TC, MN
Posts: 39,505
Bikes: R3 Disc, Haanjo
Mentioned: 353 Post(s)
Tagged: 1 Thread(s)
Quoted: 20791 Post(s)
Liked 9,430 Times
in
4,662 Posts
Now you're having a conversation about buying used vs buying new, not a conversation about financing vs not financing.
08-20-12, 12:04 PM
#1766
Speechless
Join Date: Jun 2011
Location: Central NY
Posts: 8,802
Bikes: Felt Brougham, Lotus Prestige, Cinelli Xperience,
Mentioned: 21 Post(s)
Tagged: 1 Thread(s)
Quoted: 107 Post(s)
Likes: 0
Liked 1 Time
in
1 Post
Not that I buy many new cars, but my plan has always been finance through my credit union the full purchase price (tax and tags out of pocket), pick up gap insurance for less than $50 (I think it was $17), and let others take the hit if it gets wiped out in the first two years.
For all you "pay only cash" folks, if it gets toasted in a year, who gives you your lost cash back?
For all you "pay only cash" folks, if it gets toasted in a year, who gives you your lost cash back?
08-20-12, 12:09 PM
#1767
Scarlet Knight
Not that I buy many new cars, but my plan has always been finance through my credit union the full purchase price (tax and tags out of pocket), pick up gap insurance for less than $50 (I think it was $17), and let others take the hit if it gets wiped out in the first two years.
For all you "pay only cash" folks, if it gets toasted in a year, who gives you your lost cash back?
For all you "pay only cash" folks, if it gets toasted in a year, who gives you your lost cash back?
08-20-12, 12:41 PM
#1768
cowboy, steel horse, etc
Join Date: Sep 2008
Location: The hot spot.
Posts: 43,592
Bikes: everywhere
Mentioned: 71 Post(s)
Tagged: 1 Thread(s)
Quoted: 11776 Post(s)
Liked 6,735 Times
in
3,547 Posts
The things I wrote are just reasons why financing a car seems totally insane to me.
Car free since 2004 so I'm a bit detached from the whole idea.
08-20-12, 12:46 PM
#1769
Throw the stick!!!!
Thread Starter
PCad, I believe I may have just did the one thing that may get you to FINALLY shut up for a minute or two.
__________________
I may be fat but I'm slow enough to make up for it.
08-20-12, 12:47 PM
#1770
Senior Member
Join Date: Jan 2010
Location: TC, MN
Posts: 39,505
Bikes: R3 Disc, Haanjo
Mentioned: 353 Post(s)
Tagged: 1 Thread(s)
Quoted: 20791 Post(s)
Liked 9,430 Times
in
4,662 Posts
...and until three weeks ago, I'd been car-free for a couple years longer than you, so NYAAAH!
08-20-12, 12:48 PM
#1771
Senior Member
Join Date: Jan 2010
Location: TC, MN
Posts: 39,505
Bikes: R3 Disc, Haanjo
Mentioned: 353 Post(s)
Tagged: 1 Thread(s)
Quoted: 20791 Post(s)
Liked 9,430 Times
in
4,662 Posts
08-20-12, 12:51 PM
#1772
Throw the stick!!!!
Thread Starter
Compact couldn't ship until 9/25/12. Standard ships tomorrow.
__________________
I may be fat but I'm slow enough to make up for it.
08-20-12, 12:51 PM
#1773
cowboy, steel horse, etc
Join Date: Sep 2008
Location: The hot spot.
Posts: 43,592
Bikes: everywhere
Mentioned: 71 Post(s)
Tagged: 1 Thread(s)
Quoted: 11776 Post(s)
Liked 6,735 Times
in
3,547 Posts
I would just go with bare bones liability. Self-insure the car itself. Car goes boom, I just go get another $1500-3000 car.
08-20-12, 12:55 PM
#1774
Banned
Join Date: Oct 2007
Posts: 7,468
Bikes: 2011 Cervelo S2, 2001Trek USPS 5200, 06 Cervelo P3 Alum, 1999 Schwinn Pro Stock BMX, 1987 Schwinn Traveler
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
08-20-12, 12:59 PM
#1775
Mostly Harmless
Join Date: Jul 2008
Location: Chittenango, NY
Posts: 55,593
Bikes: Have two wheels
Mentioned: 168 Post(s)
Tagged: 2 Thread(s)
Quoted: 12985 Post(s)
Liked 4,022 Times
in
2,241 Posts
