I got a call today - my new car has arrived!

 

Now is the time, the Walrus said, to speak of many things.  Of shoes and ships and sealing wax, and whether pigs have wings....  Well, I probably have mangled a line from Lewis Carroll's "The Walrus and the Carpenter".  But I feel that I could write a short story about buying a car with the little nuisances I had to deal with in the process of doing so.  Yet, this is not the place for a long, drawn out story.

- - - - - -

So, what did I end up doing?

First, I drove to the bank to get a cashier's check to pay for the car.  Given that inflation has taken a lot of value from our currency, I still find it hard to believe that I paid more for this car than I put down as a down payment on my apartment.  And then I was worried a little that I didn't get the right kind of check from the bank.

Next, it was a call to my insurance company to find out what I need to do to get the insurance transferred to the new car.  I learned that things had changed, and that once the paperwork is started, the old car is covered for 24-48 hours.  This is good to know, as I will need to make sure that DCD can pick up the old car with his own plates.

Finally, I was able to contact the salesman to tell him that I'd be coming in on Tuesday to pick up the new car.  Of course, he wants me to speak to a final person who will try to sell me add-ons.  I know which ones I want and don't want, but I will deal with this on Tuesday.

- - - - - -

Now that my need to be out as Mario was over, I could rest a bit before going to a meetup as Marian.  It was nice to pretty myself up again, as I know that I'll soon be stuck in Mario mode for the better part of a week. But I wasn't sure that I wanted to go to the meetup, and I would have been better off by bailing out.  The activity was a music themed bingo at a local sports bar, and it was too loud there for me to enjoy myself.  If I didn't have a bite to eat while there, I could have gotten into playing bingo.  So, with this in mind, I took my leave a little early and drove home for the night

I'm a little upset at someone who just can't wait....

 

The other day, I offered DCD a deal where he could buy my car for 2 years of affordable car payments.  I'm not in any hurry to give him information on my car needed for registration until I have the same information on my new car ready for my insurance agent.  Knowing DCD as I do, he's in a rush to get things done, and I know that he'll screw things up if I supply information ahead of time.

Recently, DCD started pestering me for this information, saying:

In my efforts to plan accordingly between insurance, DMV, and our logistics, I wanted to talk about a game plan since we are in the last two weeks of March.

- - - - - -

I understand your concerns. Keep in mind that I am not legal to drive your car until I register it. I do have old plates, but I am not supposed to use them.

I tried to make an appointment with DMV. I was not able to determine how far out they are with appointments.

Yes, I know that things should be OK.  However, I'm doing things on my time frame, not his.  By the time you see this post, I should be in my new car, and this will have been resolved.  I'll have transferred my plates and insurance to the new car, and DCD should have started the process of getting new plates and insurance for what will now be his car.

Keep your fingers crossed that my car will come in on time....

I just put a deposit down for a new car!

 

The title of this entry says it all.  I have finally put money down on a new car.  Yay!  Now to figure out what to do with the old car.  With this being said, I know that I can always donate the car to a charity and get a tax deduction.  But I won't get more than a fraction of what the car is worth.

Although it's been over 40 years since I bought the apartment I live in, I'm still surprised that this car costs almost the same as my apartment did way back when.  (Of course, indexed for inflation, my car costs the same as an equivalent car of that era.)  Yet, I was a little nervous about this purchase, as I committed to writing what will likely be one of the largest checks that I will likely write in my life. 

I'm looking forward to driving this car.  But I will likely NOT be taking it to RQS's place that often, as owning a new car can be a liability in the outer boroughs of NYC.  A high mileage, older car is never going to be at risk for theft.  But a low mileage, new car becomes a great risk for theft of parts.  I was reminded of that when I signed the contract for the car, when I had to ink a clause declining to have a VIN number etched on my catalytic converter.  No one buying a "hot" converter cares about an etched unit, and they could easily obscure the etching if that reduces a criminal's chance of getting caught.

The deal I cut was unusual, as it was an all-cash deal without seller financing.  The sales manager wanted to offer me financing, and I declined for reasons I didn't give him.  (Specifically, I didn't want to unfreeze my credit report and potentially open myself up to identity fraud.) When the car is delivered, I expect that the sales manager will try to upsell me on things such as: Ceramic Ding Shield, Tire & Wheel Protection, and Key Security (insurance on the key fob, which may cost $500 to replace.)  Of these, I may buy the ding shield (after having some questions answered) and the key fob insurance (if it covers the loss of more than one key fob).  Most importantly, I have about a month to take care of things before the car reaches the dealership and I have to get a certified check for the balance. 

It's going to be a great change for me - and a welcome one. 

Car Shopping - Weekend #5

 

It looks like I have finally made a decision on which car to buy.  After 5 weekends, I decided on the Subaru Crosstrek, as the Premium trim level has all the safety features I think I will need over the next few years.  Although there are things I don't like about the car, such as the CVT transmission, it has enough good elements in its design where I think this will be a car I'm comfortable with for the next 10 years or so.

You might be asking - what convinced me to buy this car and why did I choose my local dealership over the others in this area?

Well, the answer is simple.  I felt it a comfortable car to drive.  It had all the safety features I wanted and more (such as assisted driving modes that can make stop and go traffic much easier to bear.) And, when the salesman came back to me with a price, it was a fair price, one lower than expected.  There was no need to haggle to get the last penny out of the deal.

Assuming that I buy this car, it will be ordered for me.  This way, the dealer doesn't have to have it count as part of his allocation, and for some reason it produces savings that can be passed on to me if I can wait a little bit.  But this means that I will need to keep my current car on the road for a little more time.

But what happens to my old car after the new one arrives?

That's where things get complicated.  

DCD has asked about buying my car several times.  And now that I will have an extra car to be taken off my hands, DCD claims to have a Unicorn of a deal.

I am having issues with the unicorn. I found a person seeking to sell a 2008 Toyota Camry SE with 105K in supposedly remarkable condition for $1000. So I questioned the legitimacy of this and I was told that they are a reservist in the national guard being called to duty for a year. To avoid wasting money, storing the car and paying for insurance they are looking to sell it. The pictures that I saw show a showroom condition car. And yes the photos are of the actual car.

This car is being sold on eBay.   Would you trust such a deal as described?   When one doesn't have enough money to rent a studio apartment in which to live, one can't take unnecessary risks with money.   Yet, I've never known DCD to manage his money well.  So, I think he's going to chase down this unicorn until the effort costs him more than his time is worth. (And that assumes that the "deal" is legitimate.)  I'm afraid that he will get screwed, but it is his life, not mine.....

Car Shopping - Weekend #3

 

The above picture is an ad produced for a New York City area bank (which I ended up working for a few years after this ad campaign).  They wanted to show the public that they would lend money on any major car brand, then: Ford, Chevy, AMC, Chrysler, and Volkswagen.  Although more brands have appeared in the American market in the past 50 years, the process of buying a car is just as frustrating now as it was when I bought my first car.

This weekend, I wanted to take test rides in 3 cars: The Subaru Crosstrek, the Honda HR-V, and the Mazda CX-30.  Although all 3 would be good choices, I am leaning towards choosing either the Crosstrek or the HR-V.  Both are excellent cars, and both have all the options I want for a similar price.  RQS leans towards the Crosstrek because of its display.  I'm still torn between the two due to my prior experience with the Honda brand.  What I see as an advantage with the Subaru is equaled by my experience with my Honda Civic.

On Friday, I picked up RQS at the station, and we test drove a Subaru.  I was pleasantly surprised how good this car felt.  It was a car which I wouldn't be bumping my head into the door frame upon entering the car - and I like that.  Although a 15 minute drive is way too short to evaluate a car, it was enough for me to make it my number 2 (or even my number 1) pick. At the end of this test drive, I knew I needed to drive this car again before making a final decision.

Saturday came, and we didn't get out of the house until mid afternoon.  Our first stop was at a Honda dealership to drive the HR-V.  And RQS was equally impressed with this car.  It seems like this is an extremely popular model, as this model seems to be sold as quickly as it is delivered to the dealership. Once done with this dealership, we ended up at another Honda dealership.  This time, they had no HR-Vs in stock for me to drive.  In fact, half of the cars in this dealer's showroom were used cars.  How this dealership makes money I'll never know.

- - - - - -

I made an offer to DCD that he could buy my current car for book value.  Given that the car has over 200k miles on it, but has been well maintained, DCD figures the value to be about $2,500.  Since I am not going to be holding a note on this car, I wanted a check for this amount if I were to sell him the car.  Today, I found out that he is not able to get this amount of money from his bank, "The bank of Mom".  So, I guess I'll end up letting the dealer take my old car off my hands.

In the end, I expect to be $33k poorer than I am now, but with a car that's safer to drive.  The only questions are: (1) Which car will I choose, and (2) When will I drop the hammer on the deal?

I've decided to hold off on buying a car for now.

 

As much as I want a new car, I don't want to over pay for it.  Even though there is a shortage of cars, there is no excuse to charge $3000 over MSRP on an entry level car.  Dealers may get the sale now, but will not get the next sale after the supply chain returns to a new normal.

Over the past few weeks, I've visited dealerships and have been told that they will not make deals without charging extra for the car.  If a dealership indicates that it has wiggle room in making a deal, it's not enough room to get me to bite.  If a dealership claims to be willing to sell a car at MSRP, I've found that the dealership will throw on a BS line item to get that extra profit.  Finally, due to a lack of inventory, dealerships will sell used cars for the price of a new car.

Things will return to normal.  How soon, no one knows.  But if one can afford to wait for a new car, it pays to do so.  There are mixed opinions on whether a healthy normal will return, due to a long term shortage of computer chips.  But I feel that the industry will figure out a way to build new supply chains to maximize potential sales.  And if I'm right, things should start to ease up in the next few months.  This is worth waiting for....

Headaches in buying a new car - dealership issues....

 

There are precious few people who enjoy buying a new car.  I'm not one of them.  I hate the tactics used to extract money from my picket and out it in their till.  But then, we are a capitalist society, and the automobile market is not a transparent one.  Without having access to as much information as the car dealer, the consumer is bound to make a less than optimal deal.

In my case, I did some research, and was willing to settle on one of the two cars I wanted, but not in the color I wanted.  I can learn to live with a sub optimal color, but not a sub optimal deal.  And I had to send the following message to the dealer to get its attention:


I went to your dealership last Saturday, and asked for internet sales as you directed. However, the man who came to assist us had no idea that I was coming, nor did he initially want to sell the car at the price you and I talked about before some spirited haggling. (This should not have happened - they should have been aware I would be there at mid afternoon, and ready to sell the car at the price you and I discussed. This almost made me walk away to make a deal elsewhere - at another dealership I found who could/would sell the Elantra at MSRP.)

After the haggling and discussion over dinner, I thought we had the basics of a deal laid out. However, after a short email exchange with John J on Monday, I haven't heard anything back from him, and it is information I need to proceed any further with any deal.

1. When do they expect the car to be delivered to the dealership?
2. What interest rate is to be used for your financing? Is there a 36 month option available?
3. What paperwork will I need to pick up the car? (e.g: insurance cards, certified/bank check, etc.)
4. For my trade, I have the original title and the release of lien. Is that enough for you to work with?
5. Specifically what are the doc fees and non tax fees? (I'm pretty sure of what the doc fees should be, but what are the non tax fees?)

Most important, the line item called "<dealer-name> Complete" seems to be padding to add to your firm's bottom line, as there are no details on what this is. I need more information, as I wanted a car at MSRP, and not $977 more than the price should be. (Asking for almost $1000 extra without a good and acceptable explanation of what this covers would be a deal breaker for me.)

Can you help get me the information I need?

Now, I am not in love with this car, and it's a good thing  I don't have to have this car, and can easily do without it.  Additionally, there is another dealer closer to me that says it's willing to do a deal at MSRP.  Part of me wants for my current deal to fall through.  But I am willing to go through with it if my concerns are adequately addressed.

Keep your fingers crossed.

Some more car shopping

 

So far, I have test driven 3 cars.  If the dealerships weren't so understandably greedy these days, I might have dropped the hammer and bought one of these cars.  No, I am not knocking the dealerships.  They are doing exactly what they should be doing when a product is in short supply - raising prices to reach a stable point on a supply/demand curve.

RQS and I stayed in most of the day, as the weather was dreary.  It was raining hard throughout the morning and early afternoon, and it was not good for taking test drives.  By 3:00 pm, the weather started getting better, and we went to Central Avenue to start our car shopping expedition.  The first of the cars I drove was a Hyundai.  As much as I liked the Kona, I felt that there was something missing.  (It is still on my list of possible purchases.)  Next was the Elantra (shown above).  I liked the car, but had my usual problem of bumping my head upon entry.  This dealer was willing to haggle a bit, but didn't seem too greedy.

The next dealer was a Honda dealer, where we tried out their HR-V.  This car said "Buy Me at the right price!"  But the salesman said that the dealership was asking $3k above MSRP.  There is no way I will pay that much as the manufacturers are ramping up production and that supply chains will soon get back to normal.  The salesman had his obligatory meeting with the salesman, and said that they had some wiggle room.  (I figure that if I offer $1k over MSRP, I could get the car for $1.5 if I hold firm.)

As you can guess, I hate paying MSRP for anything.  So I'm not in too much of a hurry for now.  But I want to get a new car purchase done by the time I leave my job.  Keep your fingers crossed....

Backorder, Backorder, Backorder...

 

I figured that I'd post something pretty instead of another meaningless caricature of myself.  Instead I figured that my readers would like to see a work of Chihuly glass. 

And now, to today's post....

Over the past year, I've found that there are a lot of problems with keeping goods available when needed and/or desired. Most of these problems are related to logistics issues triggered by the pandemic.  For example, the control units for my air conditioners were likely delayed, as parts they needed had to come from Asia, where people were kept from working due to Covid-19 infections..  Clothing I've ordered has taken longer than usual to be delivered, as warehouses did not have enough workers to process incoming orders.  And now, makeup I've ordered has been back-ordered, as the company I usually buy from didn't have enough units in stock to fill my order.  Thankfully, I try to maintain an adequate inventory at home, so that I can withstand disruptions like those I've been experiencing.

Last week, I ordered 4 units of beard cover, and 4 units of contouring makeup.  Unfortunately,3 units of the contouring makeup is back-ordered and should be delivered at some future date.  I'm hoping that I receive this makeup before I go on vacation.  If not, I'll have to ask my next door neighbor to intercept the package if delivered while I'm away.

- - - - - -

Things could be much worse for me.  I could need to buy a car.  Right now, prices are 10%-20% above MSRP for most cars.  I don't want to justify that price unless I need to do so.  Why are prices this high? Almost ALL of the major carmakers decided to overly rely on "Just In Time" (JIT) supply chains.  They made the big mistake of not having enough inventory of key items to get them through a supply chain disruption.

As much as we're seeing prices spike right now,I expect this will be a short term issue.  Supply will eventually catch up with demand, and prices will become rational again.  Until that date, expect to spend more for fewer available essential goods - including makeup!

 

Henri!

 

No, I'm not talking about Henri Matisse.  I am talking about a tropical storm that was making its way up North to New England as I started to write this entry.  This storm put an area from New York City (and the Hudson Valley) through Eastern Long Island/Eastern Connecticut at risk for major storm damage.  So, like many of us, I battened down the hatches and waited for the storm to pass.

- - - - -

If the storm hadn't come, I'd have taken the day and traveled into NYC to do two things:

1. See "Automania" at MoMA (NYC).  (I want to get there before 10/11, as the cars will be gone from the sculpture garden after that date.)
2. Go to the Saatva NYC showroom to see a mattress designed for heavy people.  (At my weight, I want to get the best night's sleep that I can, and a "regular" mattress won't cut it anymore.)

Instead, I ended up staying inside my apartment, save to go downstairs and do some laundry.  One thing I've noticed lately is that I don't do that many loads to launder male garments anymore.  Although I'll include my male trousers and shirts in a typical load of colored laundry, my whites are virtually all male garments and sit inside the hamper for a few weeks - until  have enough for a full load.

- - - - - -

Right now, it looks like my Saturdays and Sundays are starting to get booked up.  I wonder how I'll find the time to enjoy any downtime while I'm working....

Why do I mention work?

I'm leaning towards quitting the job on my own volition, and cracking open my 401k a little.  There is enough money in the bank for me to afford a new car.  Right now, I'm looking at two different Honda models:

1. 2021 CR-V
2. 2021 HR-V

In both cases, a late model, low mileage used car from a different year would be acceptable at the right price.  Unfortunately, the pandemic has disrupted supply chains enough that it is hard to get a good car at a reasonable price.  If I had known what I know now, I'd have gone to the same place where my brother bought a late model Chevy Malibu and bought one there last year.  Unfortunately, few people have good foresight while hindsight is often with 20-20 clarity.

- - - - - -

How many of you have T-Mobile for a cell phone provider?  If you do, I suggest that you go on to their site and lookup what you should be doing in response to a recent data breach.  I'm in the middle of doing things, and I'll be requesting a credit report soon....

 

 

 

 

Right now, I'm glad I have my job

 

If it weren't for having a job, I would be raiding my savings account for much more money than I've needed to do this year.  It's not the job I want to keep forever.  Instead, it's the kind of job to keep until I have something better to do.

It's nice being able to go to work as Marian on a regular basis.  Yet, this job does not allow the social engagement I would like.  Yet, I can't complain.  The job is exactly as was presented to me.  And I'll do it to keep from draining savings.  If a travel opportunity opens up to me, I may leave the job so that I can take my trip.

There's not much I can do to make my job more interesting.  I think of it as a form of electronic "whack a mole".  It lulls me to sleep when I'm tired, and I need to make sure I have my coffee before starting work.  By the end of the day, my body clock is waking the body up, so that it can go home safely.  My boss could put me in a different area.  Yet, I think he's trying to be nice to me by giving me an easy job to do.  No complaints will come from my area of the peanut gallery.

- - - - - -

The other day, FH wondered why I don't buy a new car.  The answer is simple.  I hate draining my savings accounts when I am living on an artificially low income.  TCL understands this quite well, even though she's on a tighter budget than I am.  I expect that by this time next year, I'll be looking at buying that new car.  Will it be a used car, like Vicki might get?  Or, will it be a new car, like I usually get?  Either way, I will need reliable transportation while working and while dating.

This job gives me way too much time to think.  I have to remind myself to focus on other things when my thoughts go where they would likely make me sad or angry.  Here, I'm glad that I've been listening to a series of TV shows dedicated to Meditation.  I've found that they relax me enough to fall asleep AND that they teach me certain coping skills I need to short circuit the cycle of anger and sadness.

- - - - - -

Now that the pandemic is easing off, too many people will be rushing to get out and about.  This is the time that I may be avoiding the growing crowds, as I still expect another wave of the pandemic to cause many of us grief.  Instead, I'll stay inside, work as hard as possible, and possibly save some money for future travel.