Car Loans - keeping America poor?

[maxx075]

Only if you’re “a young hunter” and it goes towards a pair of Swaros around here. Sorry.

What's your definition of young?

 

[Reburn]

You can almost build a new one at NAPA. They still stock carb kits for my 63 Chevy II

yall are being disingenous to the conversation though.

You cant find a door handle or a window crank or a heater core in stock at napa. I while i could be wrong your not driving your 63 as a daily driver.

Not to mention the really crappy cars from that time period have already been melted down.

I would eat crow if you were daily driving a 1973 ford pinto but yall arent so I dont need to go get a fork.

 

[Billinsd]

But at least you can work on them

I sure did work on mine a lot. I still work on my new cars. I remember working on carburetors and timing engines was an art and I was no artist. Replacing coil packs and such on new cars is pretty easy. I prefer disc breaks to drums. I don’t have the shop or patience for suspension repairs on old or new. I’m a far better mechanic and do things I’d never dream of with YouTube. I don’t miss working on old cars.

 

[WeiserBucks]

yall are being disingenous to the conversation though.

You cant find a door handle or a window crank or a heater core in stock at napa. I while i could be wrong your not driving your 63 as a daily driver.

Not to mention the really crappy cars from that time period have already been melted down.

I would eat crow if you were daily driving a 1973 ford pinto but yall arent so I dont need to go get a fork.

Simply stating that parts are available for those interested in maintaining, not restoring, older vehicles.

 

[Billinsd]

yall are being disingenous to the conversation though.

You cant find a door handle or a window crank or a heater core in stock at napa. I while i could be wrong your not driving your 63 as a daily driver.

I would eat crow if you were daily driving a 1973 ford pinto but yall arent so I dont need to go get a fork.

I thought the 50’s and especially 60’s cars were built pretty well. I remember when the Pinto’s came out, can remember looking at brand new ones on a dealer’s lot. They sure were awful! I thought the Chevy Vega was far better. I remember the new Gremlins new on the lots, leaking oil. I remember Harley’s new in the 70s leaking oil, however, I understand the tolerances were bad on purpose. Blew my mind as a kid!

 

[Ucsdryder]

I thought the 50’s and especially 60’s cars were built pretty well. I remember when the Pinto’s came out, can remember looking at brand new ones on a dealer’s lot. They sure were awful! I thought the Chevy Vega was far better. I remember the new Gremlins new on the lots, leaking oil. I remember Harley’s new in the 70s leaking oil, however, I understand the tolerances were bad on purpose. Blew my mind as a kid!

Damn you’re old.

 

[Billinsd]

Simply stating that parts are available for those interested in maintaining, not restoring, older vehicles.

When a car is that old replacing door handles and window cranks can be necessary, because they can wear out and break. You can’t simply maintain a 60’s car by only changing the fluids, spark plugs, belts, hoses, brakes, tires etc. Parts are deteriorating, failing, and wearing out.

 

[Billinsd]

Damn you’re old.

I was a little kid at the time, but yeah I’m 62.

 

[WeiserBucks]

When a car is that old replacing door handles and window cranks can be necessary, because they can wear out and break. You can’t simply maintain a 60’s car by only changing the fluids, spark plugs, belts, hoses, brakes, tires etc. Parts are deteriorating, failing, and wearing out.

No shit, I was referring to the 80s and 90s piles.

 

[Ucsdryder]

I was a little kid at the time, but yeah I’m 62.

Just giving you a hard time. YouTube killed the easy fix for mechanics. Unless it’s an effing brake pulsation on a suburban.

I do all my own maintenance and “easy” repairs.

 

[Billinsd]

No shit, I was referring to the 80s and 90s piles.

Yes shit, you quoted Reburn’s post where he was talking about a 63 driver and a 73 Pinto. The 80’s and 90’s cars could have falling off door handles and window cranks too, most had electric and those fail.

 

[Reburn]

No shit, I was referring to the 80s and 90s piles.

I have a bunch of friends with 90's 7.3 powerstrokes. Finding parts is an ordeal. You could be broke down for a while. NONE of them use them as daily drivers.

You are talking about hobby cars not primary modes of transportation daily drivers.

 

[Tahoe1305]

Just giving you a hard time. YouTube killed the easy fix for mechanics. Unless it’s an effing brake pulsation on a suburban.

I do all my own maintenance and “easy” repairs.

I want to take partial credit for you starting this thread on what I have to assume was based on my post in the mortgage thread.

I’ll make another speculation (new thread?) Another major expense that many pay for is repairs. I’ll loop in auto, house, etc.

Many can be done for a fraction (1/4-1/8) the cost doing it yourself. Most of my poor friends also do none of their own repairs. It adds up very fast.

YouTube empowers semi handy folks to get after it. I will say time, tools, and mistakes are a big factor (but all improve with attempts!).

I’d speculate I save close to $5k a year on my house and auto repairs doing most myself (more $ for savings!).

 

[Billinsd]

I do all my own maintenance and “easy” repairs.

I do all my own stunts!

 

[WeiserBucks]

You are talking about hobby cars not primary modes of transportation daily drivers.

You have no idea what I'm talking about. Until a couple years ago the newest vehicle I owned was a 99. Im talking about DD vehicles not toys.

My 50+ year old car is a toy and I can still go to NAPA, O'Reilly or VatoZone and get parts to make it go down the road.

 

[Ucsdryder]

I want to take partial credit for you starting this thread on what I have to assume was based on my post in the mortgage thread.

I’ll make another speculation (new thread?) Another major expense that many pay for is repairs. I’ll loop in auto, house, etc.

Many can be done for a fraction (1/4-1/8) the cost doing it yourself. Most of my poor friends also do none of their own repairs. It adds up very fast.

YouTube empowers semi handy folks to get after it. I will say time, tools, and mistakes are a big factor (but all improve with attempts!).

I’d speculate I save close to $5k a year on my house and auto repairs doing most myself (more $ for savings!).

Yep. Ac went out last year. Got on Google and started plugging in the issues I was having. 30 minutes later I was watching a video on replacing the ac contactor. Next day delivery from Amazon for 10 bucks and it fixed. What would that have cost if I called the local ac company? 20-50x what it cost me for a DIY repair.

 

[Billinsd]

I’ll make another speculation (new thread?) Another major expense that many pay for is repairs. I’ll loop in auto, house, etc.

Many can be done for a fraction (1/4-1/8) the cost doing it yourself. Most of my poor friends also do none of their own repairs. It adds up very fast.

How about “Time to break even on 2,000 square foot garage with professional tools and car lift to make DYI repairs?”. I’d love to have my own shop with a lift, mostly because I would do a good job making repairs, lol. https://blythecustomhomes.com/9-dream-garage-ideas-for-car-guys/

 

[mostlybirch]

You have no idea what I'm talking about. Until a couple years ago the newest vehicle I owned was a 99. Im talking about DD vehicles not toys.

My 50+ year old car is a toy and I can still go to NAPA, O'Reilly or VatoZone and get parts to make it go down the road.

likewise, I daily drive a 77 Volkswagen in the summers and a 1990 toyota or 2000 ford in the winter. When the volkswagen break down (frequently) I've yet to be stumped at O'reillys.

However, my friends late model F150 was sitting at the dealership for months waiting on a TCM they couldn't source. My other buddys 2020 Cummins has been back to the dealership more times than I can count.

I would say its often the opposite, at least when my shit breaks down I can find parts for it. And that not even getting into "right to repair" nonsense of new stuff

 

[Tahoe1305]

How about “Time to break even on 2,000 square foot garage with professional tools and car lift to make DYI repairs?”. I’d love to have my own shop with a lift, mostly because I would do a good job making repairs, lol. https://blythecustomhomes.com/9-dream-garage-ideas-for-car-guys/

I will say that would be awesome. I have access to two free setups where I work that have lifts and tools. But I know that isn’t normal.

 

[JustABritCrazy]

I bought a new Frontier in July. I tried to paid cash for it. The dealership gave me a better deal to finance it. I needed to keep the loan active for 6 months, so I paid the bulk of the truck off in the first payment. Made the last payment at the 6 month mark. I pay my money market $500 a month. Use that money to put at least half the cost down on any vehicle we purchase. Any vehicle we finance I do a three year term and pay it off ahead of time. Typically keep vehicles for 10+ years. Last one to go to the crusher had 252,000 on it and was 20 years old. Would have cost over $5,000 to get it road worthy and the transmission was slipping which this won’t have fixed. New truck replaced a 2010 with 190,000 miles on it. I have no mechanical abilities so repairs are an out of pocket expense.