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Messages - asechrest

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61
Spin Zone / Re: Sanders is running in 2020
« on: February 20, 2019, 07:23:50 PM »
Quote from: nddons on February 20, 2019, 07:15:41 PM
Well it certainly is different than other things, but it’s still insurance. My auto insurance won’t cover maintenance or repairs, but I can buy an extended warranty that will cover those things if I want them to.

But I get your point. I think that consumers have gotten into the habit of not paying out of pocket for medical matters, and the doctors and hospitals have followed suit.

I don’t have dental or vision insurance, and they look at me odd when I say I’m just going to pay the bill.

Interesting article - https://www.theamericanconservative.com/articles/health-insurance-is-not-insurance/


62
Spin Zone / Re: Sanders is running in 2020
« on: February 20, 2019, 07:05:38 PM »
Quote from: nddons on February 20, 2019, 06:54:51 PM
In what way?  I think mine is.

In a few critical ways. Fundamentally, insurance covers unexpected, non-routine, not-insignificant losses. Health insurance regularly covers small, expected, and routine things. It is fundamentally unlike most of the insurance we know of.

63
Spin Zone / Re: Sanders is running in 2020
« on: February 20, 2019, 06:46:08 PM »

One problem is that health insurance as we know it today isn't insurance.

64
Spin Zone / Re: RGB is back at work
« on: February 20, 2019, 03:31:33 PM »
Quote from: Little Joe on February 20, 2019, 02:13:18 PM
When was the last time SCOTUS had a unanimous decision?

Surprisingly, unanimous is the most common decision. I just looked it up.

65
Spin Zone / Re: A record number of Americans are 90 days behind on their car payments
« on: February 20, 2019, 03:29:34 PM »

Every now and again Costco sells a very nice low profile floor jack. It's a beast, I have one. Jack stands are cheap and should be used in addition to a jack. I like at least two forms of protection from being smushed by the car. And if I have a tire off I'll throw that under as well.


66
Spin Zone / Re: RGB is back at work
« on: February 20, 2019, 01:55:27 PM »
She wrote the majority opinion in this case.

https://www.foxnews.com/politics/supreme-court-rules-to-curb-powers-of-states-to-impose-heavy-fines-and-seize-property

67
Spin Zone / Re: A record number of Americans are 90 days behind on their car payments
« on: February 20, 2019, 01:49:08 PM »
Glad it was just that.

I replaced my girlfriend's car's front brake pads on Saturday. Afterward I go on a test drive and I'm getting a "whomp whomp whomp" from front right when not under braking. Doesn't appear to be dragging.

Back in the driveway and I pull the wheel off to look for the issue. Dust guard isn't touching the rotor. Caliper and piston look fine. Eventually I discover that what I think is the problem: the new retaining clips have little fins and they are extremely close to the edge of the rotor. I wonder if they're rubbing the rusty edge of the rotor at some point in the rotation?

I bent the little fins in and the noise is gone. I've done 5 or 6 brake jobs and this was a first for me. Always interesting.

68
Spin Zone / Re: A record number of Americans are 90 days behind on their car payments
« on: February 18, 2019, 04:52:46 PM »
My vote is bad thermostat stuck closed, or dead water pump. In that order.

69
Spin Zone / Re: A record number of Americans are 90 days behind on their car payments
« on: February 15, 2019, 03:26:21 PM »
Quote from: Mr Pou on February 15, 2019, 02:37:03 PM
Most of my recent cars have been Fords, and since my FiL is a Ford retiree, I can buy the cars on the A/X/Z plan. Dealer has to show me the real invoice, on the invoice are three boxes for the A, X, or Z plan, and the dealer has to sell me the car at the price listed in the box. That price normally represents real dealer invoice minus holdback. IOW, real dealer cost. In addition, any incentives available on that car model at the time further reduce the price. When we bought our Fusion, the car listed for $31.5k, but after the Zplan price minus the $2500 cash back that was running, we paid $23.6k. And icing on the cake, Ford was running 0% at the time as well. Yes, please, I'll use your money for free!

We have bought some non-Fords over the years, but it's really hard to go back to haggling when I can buy at real cost + incentives.

Now I'd do that too if I had your connections. No such luck here.

70
Spin Zone / Re: A record number of Americans are 90 days behind on their car payments
« on: February 15, 2019, 03:24:52 PM »
Quote from: Anthony on February 15, 2019, 11:51:41 AM
Because you are so much smarter than everyone else?

No, just smarter than you.  ::)

Quote from: Anthony on February 15, 2019, 11:51:41 AM
Often the factory offers these financing deals so that they move cars faster. The Dealer has nothing to do with them, so they do not have to pad the car's pricing to make up for the cost of the loan.  I had a major auto manufacturer as a client, and that's what they did.  So, while it may not be "free", it may offer a cost advantage on picking that vehicle over another one.

I'm not sure what percentage of the total you mean by "often", but I grant that it may be in part a tool to move models off the lot. Buying a car from a dealership is like gambling. The house almost always wins. That's sales experts/organizations vs. average consumers. That's capitalism. Advertising 0% interest is a fantastic marketing tool. It gets people in the door, where they are immediately at a disadvantage because now they're in "your" house. And they have many tools to extract additional dollars from you outside of the financing.

I just prefer to walk in the door knowing exactly the rate I can get and with a draft check ready to go. The one time I made the mistake of allowing the dealership to offer financing at the rate I knew I could get and with the credit union I knew they could offer financing with, they came back with double the rate I could get, with some other financing institution, and had managed three hard credit pulls on my credit.

No thanks.

71
Spin Zone / Re: A record number of Americans are 90 days behind on their car payments
« on: February 15, 2019, 10:48:07 AM »
Quote from: Mr Pou on February 15, 2019, 10:34:25 AM
Ditto, the only time I've gotten car loans are when they are 0%. Use your money for 4 years? Yeah, sure.

I'm not a fan of financing through the dealer. No such thing as "free" or "zero" in the car buying process, so your "savings" are buried elsewhere in the cost structure.

72
Spin Zone / Re: The Crazy Train will leave the station today
« on: February 13, 2019, 08:08:05 PM »
Quote from: Little Joe on February 13, 2019, 05:03:57 PM
You're a good man Charlie Brown.

I don't believe Daytona Beach is too far from you.  I'd like to meet you in person some day.

How often are you down? I'm in Oldsmar. Tampa, essentially. I'm just over the Hillsborough/Pinellas line at the top of Tampa Bay. I think that's about 2.5 hours from Daytona. I'm not current at the moment so I won't be flying over.  :)

What about Sun 'N Fun? I missed the last couple years. Might go this year.

73
Spin Zone / Re: The Crazy Train will leave the station today
« on: February 13, 2019, 04:56:20 PM »
Quote from: Little Joe on February 13, 2019, 04:45:06 PM
Thank you for confirming that my in-laws are fools.  When they point out something that Trump said or did, I often inform them that Obama did the same thing.  They scoff and say I watch too much FOX.

Willful fools. And millions more like them. I like to think we're better than that here at Pilot Spin, where we do our best not to base our points on logical fallacies and worthless equivalences.

74
Spin Zone / Re: The Crazy Train will leave the station today
« on: February 13, 2019, 04:41:29 PM »
Quote from: Lucifer on February 13, 2019, 04:39:19 PM
And your point, once again, is to try to inject something into what I said, to make your point. 

Never, ever did I say, nor did I imply what you are alleging.

Thus, I am giving you the opportunity to elaborate on your point. What was your point?

75
Spin Zone / Re: The Crazy Train will leave the station today
« on: February 13, 2019, 04:36:52 PM »
Quote from: Lucifer on February 13, 2019, 04:18:50 PM
It's a conversation.....on a web forum.  ::)

That's what we are doing, not what your point was.

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