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Addiction - August 2012 addition

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Road Cycling “It is by riding a bicycle that you learn the contours of a country best, since you have to sweat up the hills and coast down them. Thus you remember them as they actually are, while in a motor car only a high hill impresses you, and you have no such accurate remembrance of country you have driven through as you gain by riding a bicycle.” -- Ernest Hemingway

Addiction - August 2012 addition

Old 08-20-12, 10:27 AM
  #1751  
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Originally Posted by patentcad
Just when you think the hard right can't get any dumber, the surprise you.
correct
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Old 08-20-12, 10:28 AM
  #1752  
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Originally Posted by patentcad
Port Chester is 50+ miles from here.
50 miles = right next door
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Old 08-20-12, 10:31 AM
  #1753  
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Originally Posted by Velo Gator
Apparently 2013 diesels don't have interest rate specials. I'm displeased.
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%
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Old 08-20-12, 10:36 AM
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Originally Posted by RUOkie
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%
Yeah they're telling me 6%. I just told them to go kick rocks.
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Old 08-20-12, 10:38 AM
  #1755  
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Originally Posted by Velo Gator
Yeah they're telling me 6%. I just told them to go kick rocks.
"Kick rocks" never works. "Suck an egg" gets car salesmen every time, though.
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Old 08-20-12, 10:42 AM
  #1756  
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Originally Posted by Velo Gator
Yeah they're telling me 6%. I just told them to go kick rocks.
good call. think of it this way, my mortgage is 2.6%. A car loan should be a little higher, but not double.
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Old 08-20-12, 10:54 AM
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I can't imagine financing a car. Sounds totally insane to me.
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Old 08-20-12, 10:58 AM
  #1758  
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Originally Posted by LesterOfPuppets
I can't imagine financing a car. Sounds totally insane to me.
that is one of the things I pay cash for as well. Although if I ever buy another German sports car, it will be leased.
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Old 08-20-12, 10:58 AM
  #1759  
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Originally Posted by LesterOfPuppets
I can't imagine financing a car. Sounds totally insane to me.
Not if you can earn more interest on your money than they're charging you to borrow it.
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Old 08-20-12, 11:03 AM
  #1760  
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You Strava Freds are ruining mountain biking. https://www.bicycleretailer.com/news/...tail/7092.html
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Old 08-20-12, 11:10 AM
  #1761  
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Originally Posted by WhyFi
Not if you can earn more interest on your money than they're charging you to borrow it.
Plus depreciation and the difference between liability ins. And full meal deal insurance?

When I had cars I was all about 10 year old 'yotas. Get 'em for 1500-3000, replace every 3-5 years
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Old 08-20-12, 11:16 AM
  #1762  
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You Strava Freds are ruining mountain biking.
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
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Old 08-20-12, 11:19 AM
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So roadies will no longer own the Nazi tag?

I dunno what to think about that
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Old 08-20-12, 11:47 AM
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Originally Posted by RecceDG
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 agree my friend. I feel the same way. That is why I use a 17lb single speed cx bike for mtbing. BTW, I was at the DSM Shootout this weekend. Where were you?
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Old 08-20-12, 11:59 AM
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Originally Posted by LesterOfPuppets
Plus depreciation and the difference between liability ins. And full meal deal insurance?

When I had cars I was all about 10 year old 'yotas. Get 'em for 1500-3000, replace every 3-5 years
Now you're having a conversation about buying used vs buying new, not a conversation about financing vs not financing.
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Old 08-20-12, 12:04 PM
  #1766  
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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?
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Old 08-20-12, 12:09 PM
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Originally Posted by RollCNY
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?
my insurance co pays replacement value
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Old 08-20-12, 12:41 PM
  #1768  
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Originally Posted by WhyFi
Now you're having a conversation about buying used vs buying new, not a conversation about financing vs not financing.
I've known people that have financed used cars, also.

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.
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Old 08-20-12, 12:46 PM
  #1769  
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PCad, I believe I may have just did the one thing that may get you to FINALLY shut up for a minute or two.
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Old 08-20-12, 12:47 PM
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Originally Posted by LesterOfPuppets
I've known people that have financed used cars, also.

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.
So a used car that's financed takes a greater hit in depreciation than a used car that's bought out of pocket? Not in my world. Also, I'd have the same insurance coverage, regardless.

...and until three weeks ago, I'd been car-free for a couple years longer than you, so NYAAAH!
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Old 08-20-12, 12:48 PM
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Originally Posted by LowCel
PCad, I believe I may have just did the one thing that may get you to FINALLY shut up for a minute or two.
You changed your order to a standard?
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Old 08-20-12, 12:51 PM
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Originally Posted by WhyFi
You changed your order to a standard?
Compact couldn't ship until 9/25/12. Standard ships tomorrow.
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Old 08-20-12, 12:51 PM
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Originally Posted by WhyFi
So a used car that's financed takes a greater hit in depreciation than a used car that's bought out of pocket? Not in my world. Also, I'd have the same insurance coverage, regardless.
I've made some AMAZING deals buying used cars with a stack of 100s. YMMV.

I would just go with bare bones liability. Self-insure the car itself. Car goes boom, I just go get another $1500-3000 car.
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Old 08-20-12, 12:55 PM
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Originally Posted by LowCel
Compact couldn't ship until 9/25/12. Standard ships tomorrow.
Seems like a conspiracy to me.
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Old 08-20-12, 12:59 PM
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Originally Posted by Scot Nichol
I don’t think Strava promotes dickishness. Either you have it or you don’t, Strava or no Strava.
qft
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If this thread doesn't go 10 pages I'm quitting BF.
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