To trade up or not....

[ACMAVRO]

If I just had a drink or two, then I'd turn into a person that has two or three more drinks, and then that person would buy it without thinking...

And they say alcohol doesn't solve problems!

Well having a drink or two I’d say it was a good deal but I’d still hold off for the next gen.

 

[ChargerChallenger]

I see how you're trying to justify a Charger Hellcat here.

Yeah never trust the four door sedan guy they always have something up their sleeve

 

[AeroF16]

Out of curiosity what problem did you have with them? And please post up if you think Navy Fed is better. I've been disappointed over the last 20+ years that USAA keeps broadening the eligiblity for membership so our rates keep getting worse and worse. but they're still better service wise than any other bank I've ever used.

Banking wise they seem fine, other than I think their investments suck and I no longer invest with them. I have a credit card with them that gives me unlimited 2.5% cashback on everything, which I like because it's simple, and I also like how easy it is to access/move money around with them. One thing that pissed me off was when I deposited a $30k certified check through the mobile deposit function of the app (after speaking with them on the phone prior) and then they held the money for like 2 weeks. It made me mad because they told me it'd be fine on the phone, then they held it, then I had to move some money around because I couldn't access the $30k and was making another large purchase very soon after.

I'm sick of my rates going up with insurance. I have had a claim with them like once and that was when we got hit by a fricking tornado! Otherwise, in the past 20 years I've been with them, nothing.

I got pre-approved today to finance this car with them, but the max loan value was $50k (they will not loan anyone more than $50k for an auto loan right now, no matter what, due to COVID for some reason). I planned on financing like $55k (I like to borrow money when it's cheap and keep dumping my money in the market when it's down), so I called them and asked "Are you really not going to loan me another $5k?" and they said "No." Again, it's not the $5k that is a big deal, it's just you figure they would treat a customer of 20 years different than the brand new 18 year old that just joined.

 

[ChargerChallenger]

Well having a drink or two I’d say it was a good deal but I’d still hold off for the next gen.

Hell he will be retired and acting like the @1971demon man by then. And @AeroF16 a Charger guy is giving you advice huh whoa wait a second that’s me

 

[Stormtrooper1320]

There are some privately owned running around. Let's see.... back in the early 2000s before Enron crashed (I know, bc they paid for it) they had a privately owned F4 fly all over downtown Houston at about 500 feet (with a few dips to what I would say was 300 feet) in preparation for this 25 million dollar 4th of July fireworks show they put on. Brought back memories just listening to it.

Had the Thunderbird diamond come over a hanger behind me in the early 70s (a bunch of carts loaded with fire hoses drying in the sun there) at what seemed like 150 AGL or a little less, going flat out, and that will stick with you. lol, the hanger blocked any approach sound and then VROOOOOOMMMMMMMMMMMMM lol makes me chuckle even now. Precision.

View attachment 22622

I've looked up taking a ride in one a few times, and I always have something else to do with the money at the time, but it is on my bucket list, just hoping I don't have to wait until I retire. But if I do, that's fine, just as long as I get the ride before I take my final nap.
The F-4's were always the first planes to take off at my base, a flight of 4 to start the day.....and it was such a glorious way to start.

 

[AeroF16]

Hell he will be retired and acting like the @1971demon man by then.

I'm only 40% sure this is a compliment...

 

[1971demon]

Banking wise they seem fine, other than I think their investments suck and I no longer invest with them. I have a credit card with them that gives me unlimited 2.5% cashback on everything, which I like because it's simple, and I also like how easy it is to access/move money around with them. One thing that pissed me off was when I deposited a $30k certified check through the mobile deposit function of the app (after speaking with them on the phone prior) and then they held the money for like 2 weeks. It made me mad because they told me it'd be fine on the phone, then they held it, then I had to move some money around because I couldn't access the $30k and was making another large purchase very soon after.

I'm sick of my rates going up with insurance. I have had a claim with them like once and that was when we got hit by a fricking Tornado! Otherwise, in the past 20 years I've been with them, nothing.

I got pre-approved today to finance this car with them, but the max loan value was $50k (they will not loan anyone more than $50k for an auto loan right now, no matter what, due to COVID for some reason). I planned on financing like $55k (I like to borrow money when it's cheap and keep dumping my money in the market when it's down), so I called them and asked "Are you really not going to loan me another $5k?" and they said "No." Again, it's not the $5k that is a big deal, it's just you figure they would treat a customer of 20 years different than the brand new 18 year old that just joined.

Holding 30K in funds for two weeks may not seem to be a big deal for some...If people only knew how much lending institutions profit annually by this maneuver...they would be shocked...and you could land your jet in the parking lot next to that pimply faced kid driving his ancient ford taurus...both of you are just another number...the banking industry has changed from days gone by...

 

[AeroF16]

Holding 30K in funds for two weeks may not seem to be a big deal for some...If people only knew how much lending institutions profit annually by this maneuver...they would be shocked...and you could land your jet in the parking lot next to that pimply faced kid driving his ancient ford taurus...both of you are just another number...the banking industry has changed from days gone by...

What pissed me off the most was this was well orchestrated with them prior to the deposit,. I called them to make sure everything was kosher and they told me exactly what the buyer (sold a car) needed to do to keep the check from being held (which was getting a certified check from his bank). So we set that up, then I deposit it, and then they pull this bullshit.

It's not that I couldn't cover $30k for the next purchase, it was the principle. Just delayed the next purchase a few more days because I had to wait for funds from one account to get into one I could write a check from haha.

 

[Hickster]

That leaves you with 60% of nothing. Not even a meaningless comment. What kinda rules are theses when yoy can make sence out of no cents. Makes no cents.

 

[1971demon]

Hell he will be retired and acting like the @1971demon man by then. And @AeroF16 a Charger guy is giving you advice huh whoa wait a second that’s me

Acting like me????..ya mean loosing his hair faster than a chemo patient...and having a wanton disregard for authority..thumbing his nose at conventional wisdom...and doing whatever he pleases...cause he can???...WTF CC...he could do worse...he could wear a mask for the rest of his life..and be totally boring..instead of absolutely ridiculous

 

[AeroF16]

That leaves you with 60% of nothing. Not even a meaningless comment. What kinda rules are theses when yoy can make sence out of no cents. Makes no cents.

I think this is a record for the amount of irony in one post.

 

[ChargerChallenger]

I think this is a record for the amount of irony in one post.

Happy 1 month 2 days anniversary

 

[1971demon]

What pissed me off the most was this was well orchestrated with them prior to the deposit,. I called them to make sure everything was kosher and they told me exactly what the buyer (sold a car) needed to do to keep the check from being held (which was getting a certified check from his bank). So we set that up, then I deposit it, and then they pull this bullshit.

It's not that I couldn't cover $30k for the next purchase, it was the principle. Just delayed the next purchase a few more days because I had to wait for funds from one account to get into one I could write a check from haha.

And that decision was made by a robotic low level bank employee...in their defense..even certified bank drafts can be problematic..and susceptible to fraud...maybe..given your occupation..in the event of fraud...they considered you a flight risk...

 

[ACMAVRO]

Well having a drink or two I’d say it was a good deal but I’d still hold off for the next gen.

That being said, we’re probably buying a DSRT tomorrow, no not a DHC. 90g’s and 1 year of production is a little much

 

[2pac]

To be perfectly honest, it has and has had several crew cab Rams in there. But it was brought up with those.

I meant the donor rejection part was very clever. That made me spit out my water lmao.

 

[AeroF16]

That being said, we’re probably buying a DSRT tomorrow, no not a DHC. 90g’s and 1 year of production is a little much

I actually stopped by to look at one to replace our current family vehicle, a 2019 VW Atlas.

I'd love to get into a Durango but they're just too small for us. Car seats and strollers plus grandparents require a little more space. The VW is great for space, but it's a VW. Only reason I bought it was for the space and it was during the 6 year/72k mile "Sorry we lied about our EPA testing" warranty period.

 

[2pac]

More seriously, I do not think that deal is bad (I've seen some paperwork on here somewhere that says 28% or crap like that, yee gods), but in the end, do what you think will make you the most happy. If you love the car and are just tired of some the longer term issues (like tires, micro-pitted windshield, UV fade on the paint, whatever) and would love to have it "like new again" and the money is not a problem for you, do it. If you'd rather mod this car and have some fun, then buy another in a few years, maybe try that. Sufficient modding can make the car feel "new" all the time.

That was insane, I posted that. I think it cost 100k to finance a 45k car 😂😂😂

 

[Hellcatcfp]

I think you should buy the '19, and keep the '16.
If for no other reason to have as many doors as Hellcatcfp is dragging around with just one car.

 

[ACMAVRO]

I actually stopped by to look at one to replace our current family vehicle, a 2019 VW Atlas.

I'd love to get into a Durango but they're just too small for us. Car seats and strollers plus grandparents require a little more space. The VW is great for space, but it's a VW. Only reason I bought it was for the space and it was during the 6 year/72k mile "Sorry we lied about our EPA testing" warranty period.

We have a family of 7, wouldn’t consider anything else for everybody. Trading in a durango limited for it

 

[1971demon]

We have a family of 7, wouldn’t consider anything else for everybody. Trading in a durango limited for it

Yikes...family of 7???..somebody's always in the bathroom I bet...