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Iwritecode

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Everything posted by Iwritecode

  1. QUOTE (InTheDriversSeat @ Mar 21, 2015 -> 12:48 AM) Rockford Channel 13-3 WREX Rockford (Me TV) - all 55 games I can pick up this channel while I'm camping.
  2. QUOTE (joemg311 @ Mar 23, 2015 -> 02:23 PM) I own/operate a used car lot. Honda has a great reputation for their vehicles lasting and therefor holding their value well, but in my opinion you pay a premium for that and it all evens out. This is why you can get a newer Nissan with way less miles for the same price making it an draw deal wise. Be aware that both those vehicles have somewhat common known issues that are usually hard to check for. Both have been known to excessively burn oil, especially the accord. It just google it. It is common enough that many wonder how it was never recalled. I have had a 2004 Accord that would need about 2 quarts added between oil changes, and most Honda dealers will claim this is normal. It is a piston ring design issue. As for the 4 cylinder Altimas, The catalytic converters tend to break apart and somehow send debris back into the engine causing lots of engine failures. Every car has its common issues, but these I see a bit more often then things on other cars, and both are around the mileage were said issues are most common. I would go for the Honda, but try and get a super long test drive somehow and check the oil level. Researching the burning oil problem and it looks like it's mostly the 2.4L engine that's affected? This one is a 3.0L V6.
  3. Debating between a 2006 Nissan Altima 2.5s with 71,000 miles and a 2005 Honda Accord EX-L with 138,000 miles. Both are the same price. I'm not real familiar with Nissan in general but I've read a lot of positive reviews. Although everyone I've ever talked to said that a Honda will last for a long, long time. We are looking for reliability over anything. Haven't seen the Nissan in person yet but the Honda was obviously well cared for. It's very clean inside and out.
  4. QUOTE (Tex @ Mar 19, 2015 -> 06:51 AM) With her name on the loan and title you will have a harder time taking the car if she defaults. As long as you are cool with paying for a car that she is driving, go ahead. Imagine the scenarios of taking the car back. She has made two years of payments then stops. Will you pay her back for those two years? If taking the car back means she will lose her job, will you accept that? What if she can't take care of her daughter without the car? You are being very generous and I don't want to sound callous. I applaud what you are doing for her. I am just pointing out a few pitfalls that you are facing. Now think about this. She makes all the payments, repairs her credit, and the rest of her life and her daughter's is made much, much, easier because of your faith in her and generosity. That's pretty cool. It's not the first time we've helped her out. We actually had temporary custody of her daughter for about a year a couple of years ago, so we are pretty close. I think we can get everything worked out. It's kinda of shocking to see how someone can get stuck in a downward cycle with almost no way out.
  5. QUOTE (Tex @ Mar 14, 2015 -> 12:20 PM) Instead of cosigning consider buying the car, keeping it in your name, and allow her to make payments until it is paid off. Depending on how good of a friend she is you could even make a few extra points interest in the deal. Charge some of the difference in rates she would wind up with at a "Buy Here - Pay Here" place. Credit card level interest is the norm at those car lots. But if you cosign, plan on being able to make the payments if she cannot. Anything less with damage your credit. It shows poor judgement to lenders that you are cosigning without plans to assume the debt at some point. You know how close to financial peril she is, perhaps even more IRS problems. All the same reasons banks are running away from here are why you could be left paying on the auto loan. Imagine something happens to her child, are you going to demand payment and cause the child to miss a doctor's visit? By co-signing the loan we would essentially be buying the car for her. We just want to have her name on the loan to build up her credit. If all goes well, she’ll build it up enough that she’ll be able to re-finance the loan in a year or two under her own name. It’s not so much that she has BAD credit. It’s that she has NO credit. We would be sure that the monthly payments will be affordable to her as well as us if we ever have to take over. We already have some numbers in mind. It’s just a matter of finding a car to fit those numbers. Worst case scenario is that we take over the payments and let our daughter have the car.
  6. How long does it take for an old debt that has been paid in full to fall off a credit report? A friend of mine wants to buy a car but they couldn’t approve her for a loan because her credit score is too low. Part of the reason it’s too low is an old student loan debt that was paid off a couple of weeks ago when they seized most of her tax return. So her plans to use the tax return and just pay cash for a car went out the window. My wife and I have been trying to help her out and one option we have discussed is co-signing a loan with her. But we know there are risks involved with that as well. We both have credit scores of 800+ and don’t want to ruin them if something happens and she can’t pay the loan anymore. The only other option we’ve come up with is going to a buy here/pay here (no credit, bad credit, no problem!) car lots. I just worry that she would end up with a POS that would need repairs every other week. She is borrowing a car from another friend for the moment but that is a very temporary solution. She needs to get something within the next week or two. She’s a single mom with a special needs daughter making just over minimum wage and she can’t seem to any kind of help or assistance at all. They told her that she makes too much to get food stamps.
  7. QUOTE (bmags @ Mar 11, 2015 -> 10:53 AM) D'oh, my brother just sent me that it's behind a paywall, sorry everyone. I could read it with no problem.
  8. QUOTE (shipps @ Mar 5, 2015 -> 04:19 PM) If you are being serious I really doubt that they will be jealous of the Cell. For one, many of the Cubs fans have already been to the Cell. Two, most Cub fans you talk to wouldnt trade their park for any other park in major league baseball. They realize it needs to be updated and renovated but they arent going to be envious of the Cell. That's laughable. I actually know a few Cubs fans that hate Wrigley Field and think the cubs need to get out of there. They would rather see the team win and think way too much time, money and effort is put into glamorizing the experience of "beautiful Wrigley Field". Although they may be the exceptions…
  9. I would think Roger Bossard would have a big say in the decision if it were to ever be seriously considered. He uses the off days to take care of the field. With two teams playing, there wouldn't be any off days.
  10. I remember a few 4 degree days and a few 0 degree days. Does that count?
  11. Was it Judge Dredd where their guns could only be fired by someone with the DNA linked to the gun or something like that?
  12. QUOTE (KyYlE23 @ Mar 1, 2015 -> 09:02 AM) I understand that they are simultaneously playing with his arb clock and bringing him along slowly and trying to get him into a routine, but it makes no sense to me to hold him out of starting spring training games. It's not like that forces them to bring him up or guarantees him a spot in the rotation I heard Coop himself on CSN the other day saying that Rodon probably would’ve only started in an intra-squad game or a few “b” games had Sale not been injured.
  13. I can't for the life of me figure out how anyone sees white. I can see a pale blue at best in some versions of the picture.
  14. A friend, my kids and I were all arguing over this last night. 3 of us saw royal blue and black. the other two saw white and gold. I was one that saw blue and black. Now when I first opened this thread, I saw a lighter shade of blue and gold. Now when I just looked again, it went back to blue and black.
  15. So last year we were getting our insurance through my wife’s job. When I started my new job and wanted to switch over to the insurance offered by them, we found out that her employer was simply paying for a policy through the marketplace for us. It’s through BCBS and the monthly premiums were around $900 but they were only taking about $90 out of each of her checks. So they were obviously paying the difference. We would get the monthly bills from BCBS but when she talked to her HR department they said to simply ignore them. So when I went to do our taxes yesterday it asked me if we had insurance through an employer or through the marketplace. I’m assuming since her employer was paying for 90% of it, I should check “through employer”. When did that it didn’t ask any more questions. When I checked “through the marketplace” it asked for a 1095-A. We did get a 1095-A, but since we didn’t actually pay the entire monthly premium amount ourselves, I don’t think it would be accurate.
  16. My wife says she wants an Impala for our next car. Mostly because we have 3 different friends that drive one. Now that MPG isn't as absolutely important as it was to me before I got my new job, I have a lot more choices. It'll be a few years before I have to worry about getting a new car though.
  17. QUOTE (southsider2k5 @ Feb 18, 2015 -> 10:05 AM) I have an 11 year old Impala, and the Malibu is on my list as I want to go to a smaller car when I get my next one. I’ve always assumed the Malibu and the Impala were about the same size. If you want smaller, go for the Cruze. I test drove a Cruze but thought it was too small.
  18. IIRC, there were a few people on here that are fans of Stephen King's book 11/22/63. It was announced last year that it will be a 9-hour mini-series on HULU. James Franco was just announced as the lead character. Not a horrible choice but certainly not who I pictured in my mind either. I'm looking forward to this as it's one of my favorite SK books and I'm really hoping it doesn't turn into what Under the Dome became. http://www.people.com/article/james-franco...63-stephen-king
  19. QUOTE (NorthSideSox72 @ Feb 18, 2015 -> 07:47 AM) And of course the night before, there was the bum rush on bread and milk at the grocery stores. Can anyone explain the rush for bread and milk when bad weather hits? If you’re going to be stuck inside for a couple of days with no power you would think there would be a rush on things like bottled water and canned goods like tuna, vegetables or soup; peanut butter and crackers; nuts, trail mixes or granola bars. Not two perishable items, one of which requires refrigeration and they don’t even go together. Milk sandwiches anyone?
  20. This may have already been posted in this thread, but I'm posting it again as it's worth the read. Confessions of a Car Salesman
  21. QUOTE (farmteam @ Feb 8, 2015 -> 10:55 PM) I'm moving apartments soon, anyone know where to get a lot of boxes on the cheap? Go into a Walmart after 11pm.
  22. QUOTE (Chisoxfn @ Jan 14, 2015 -> 12:08 PM) A little known fact (because of the age of this site) but Daver was one of the original Soxtalk admins. I don'the think he even remembers that. He argued with me over it once.
  23. QUOTE (LittleHurt05 @ Jan 8, 2015 -> 08:46 AM) And my generation has officially become those old people that complain how much harder they had it. My Facebook feed is filled with "Schools never closed when we were young, these kids are so spoiled!" I think part of it is that 30 years ago there was typically at least one parent at home to take the kids to school. So it didn'the matter how cold it got. I don't even think my grade school had buses. Now both parents work and they don't want kids standing at a bus stop getting frostbite.
  24. QUOTE (RockRaines @ Jan 6, 2015 -> 03:55 PM) The guy added a whole addition himself and the plumbing and HVAC is just half-assed. He cut some corners, for example, instead of peeling off the old wooden siding, adding insulation and putting on siding, he just put new siding over the old one. I thought that was actually pretty common practice. Thats what happened with my parents house when they got new siding and it's what was suggested to us as well whenever we decide to get new.
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