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Bhigdog

My new "smart" Jeep

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I have been driving cars with pistons the size of juice cans all my life. If you have to wind an engine up into the high 6,000 RPM's to get "horsepower" it won't meet my expectations. I would drive that Enclave 100 miles on the NYS Thruway to Syracuse at 75 MPH and it was fine. I would come home through the rolling hills on RT 20 and it was disgusting. Too many things had to be pushed hard to compensate for the 220 cubic inch engine to suit me. I'm not a ram the throttle driver. I just got rid of it and was happy to see it go.

 

By the end of today I will have driven three of my cars. I will be very satisfied with their performance and will probably not exceed 3,000 to 3,500 RPM. They will all scoot when I want them to, not because I need to.

 

So the Enclave was a pig compared to my 5.3 Silverado on the same roads. And the exhaust doesn't smell like hair burning when you do have to step on it.

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4 hours ago, edinmass said:

 

Bob.....just having fun.......my father hated Fords also, and it's all I had in my rental fleet for years. Interestingly, having a very large modern repair shop, only one of my people ever drove a Chrysler product.........he was given it for free. 

 

My dad worked on a Ford assembly line in Detroit during the Harry Bennett years. That explains a lot.

Back in the day there were some noticeable engineering innovations and marque differences. Enough to sway a buyer or stoke brand loyalty. Today not so much. That today's makers are removing badges and offering the more or less limited pallet of drab colors adds to the "McDonald's effect."

Mopar still seems to have a bit of a following. Other than a couple of Dodge trucks and the odd Durango my only experience with a "Chrysler" was a 1956 St. Regis I restored. It turned out well but other than the sheet metal was pretty much just like all the others. That said there was just something about it I didn't like. Beautiful car but it seemed clumsy when driven ...............Bob

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We are all different, that is why there are markets and brands. Personally I like a good six between three and four liters (below is the realm of a four). Now have two that have a higher top end than my Judge and one I suspect would win a drag race. OTOH I know of a 3.4 liter 6 from the fifties that would have no problem driving coast to coast in Interstate traffic (would need an add on AC though). Today I still have a choice which car I take for a drive.

 

Do think these are the golden years before the gov removes the steering wheel and adds more gasoline taxes. Was some time ago when I realized it was cheaper for two to drive place but for one it is more cost-effective to fly. Is not going to change.

 

For years the price of a gallon of gas and a gallon of milk cost the same (first noticed when about 40c). Today a gallon of 87 pon is about the same as a 1/2 gallon of 2%. Just saying.

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On 10/16/2019 at 8:24 PM, Vila said:

Like I said, when you turn ON the running lights, only some front lights come on.

 

Some cars, like our '98 Saturn, this is not user selectable, they just come on when the handbrake is off. Pull up the handbrake and the driving lights go off.

 

13 hours ago, padgett said:

worst thing is the cruise control that must be turned on each time you use it

 

Yes, who came up with that? I'm so used to my GM cars that for years I just left the cruise control turned on. Heck, some just had the push button for set, no other control! When I rented Chrysler products I kept wondering why the cruise wouldn't work after we were out of the car for a few minutes.  The 2019 Ford Edge had the same issue. 😡

 

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9 hours ago, padgett said:

Today a gallon of 87 pon is about the same as a 1/2 gallon of 2%.

 

Not around here, same price! 87 is 2.19 to 2.29, 2% is $2.35 at Lidl and Walmart.

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On ‎10‎/‎16‎/‎2019 at 6:52 PM, Bhigdog said:

Only commitment was I had to make 4 monthly payments before paying it off with no penalty.  So I financed $10,000 of the total price. Made the first months payment a check for $9500 and are financing $500 over 3 more months for a total interest ding of $33 to get a $1000 discount. VooDoo financing. Only in the car dealer world. I'm sure I still got hosed one way or another though.........Bob

 

-It is highly illegal for the finance person or any dealership employee to imply that you are mandated to make a set number of payments on an installment contract before paying off all principle and avoiding all remaining finance charges. 3 or 4 months is the magic number- after this the dealership and finance department/people are absolved and no longer susceptible to the "charge back" on the reserve amount they receive from the lender for the rate mark up in the contract(typically an 80/20 split between lender and dealer).  So yes, depending on rate, term and amt financed they probably made that $1000 up just in another way. Chrysler Capital would pitch an absolute fit were you to tell them that you were instructed to do this at the dealer level. -Could probably get some free service or some other such trivial concession with a phone call were you so inclined. 

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Anyone remember the "rule of 78" ? That front loaded the interest so even if you paid off early the dealer was guaranteed a profit. I started using a credit union very early to avoid this sort of thing.

 

No politics allowed or would discuss Medicare and AGI.

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58 minutes ago, md murray said:

It is highly illegal for the finance person or any dealership employee to imply that you are mandated to make a set number of payments on an installment contract before paying off all principle and avoiding all remaining finance charges. 3 or 4 months is the magic number- 

 

They didn't say or imply 4 payments were "mandatory" just that it would be best for all concerned as far as the "paper work" was involved. Actually when they explained the 4 month reasoning I could detect just a bit of dissembling. But, I got my $1000 discount, evidently the dealer will get his cut, and Chrysler will get it's shot at me not paying off the loan early. As for what kind of smoke and mirrors were employed to extract the most $$$$ from my hide, I'm guessing I will never know and to tell the truth I don't really care. I bought the car from the dealer that best fit my needs under the best terms I could negotiate.

Not much more to it than that............Bob

Edited by Bhigdog (see edit history)
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56 minutes ago, md murray said:

 

-It is highly illegal for . . .

 

Now I am wondering what the difference is between illegal and "highly illegal". . . Infraction, misdemeanor, felony?

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1 hour ago, ply33 said:

 

Now I am wondering what the difference is between illegal and "highly illegal". . . Infraction, misdemeanor, felony?

You'll excuse my hyperbole;)-but right now this practice is allegedly on the hot list for regulators. The other one that's a real concern right now surrounds dealers offering "bonus rates" for consumers who opt into warranties. I.E. "your rate is 3.99% without a warranty but I can give you 2.99% if you opt into coverage" 

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51 minutes ago, md murray said:

You'll excuse my hyperbole;)-but right now this practice is allegedly on the hot list for regulators. The other one that's a real concern right now surrounds dealers offering "bonus rates" for consumers who opt into warranties. I.E. "your rate is 3.99% without a warranty but I can give you 2.99% if you opt into coverage" 

 

There was no pressure to buy the warranty, and no mention of rates other than they ran my credit score and the rate was based on that score. Actually, the rate was of little concern since one month in the principal is now $500  and will be paid off in 3 more payments. Based on what MD Murray says I could pay it off earlier and hose the dealer but I see little need or benefit to doing that.

I visited 2 other dealers before settling on the one I bought from. Both evidently figured I just stepped off the boat as I walked through the door. The last thing they wanted to say was the BOTTOM LINE PRICE. Talk about smoke and mirrors...........Bob

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When I sold Fords they often had the financing deal. If asked I'd just tell folks "it helps us out if you make your first three payments"... I don't think anyone ever "shorted" me on that. I'd get calls once in a while making sure it was okay to switch, but I often wondered how many folks stuck with the higher rate and never bothered to switch. Really that answer is even too honest. Ford didn't want folks knowing they could switch because they are the ones who really miss out on the money in the long run.

Lots of interesting ways to advertise and put deals together. Lots of different state laws that make it very confusing for customers who think it's worth traveling out of state for a better deal, never to know that it's not always (or even often) the case. The assumption is all dealers lie, but the reality with that outlook is you end up buying from whoever lies the best and prove your idea right to yourself.

Edited by Frantz (see edit history)
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BTW with Chrysler the important thing is whether the warranty/service contract is with Chrysler (MAXCARE) or a third party. I have a lifetime Chrysler warranty on my '12 Jeep and think is was under $2k (bought in first 12 months). Of course they were giving every rebate and discount known to man in Jan 2012 trying to move them and they just happened to have exactly what I wanted (V6, towing package, 2WD) on the lot.

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12 hours ago, padgett said:

Anyone remember the "rule of 78" ?

 

Yes I do. And this is no longer around for loans greater than 61 months, thank goodness. I never had a rule of 78 loan, always asked to make sure they were "simple" compound interest.  

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