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Joined: Aug 2002
Posts: 37,975 Likes: 10
Campfire 'Bwana
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OP
Campfire 'Bwana
Joined: Aug 2002
Posts: 37,975 Likes: 10 |
Who hires all those students the talented instructors are training if they're using a government-subsidized shop to steal profitable repair work from the very entrepreneurs whose taxes are paying their salaries? I taught auto mechanics for 30+ years, but I was very careful not to get into competition with the people whom I hoped would hire my graduates. Jerry Now ya got me puzzled, I thought the Auto Shop kids worked on the school staff’s and student’s cars everywhere. A calculated risk for the owner of the car, but we got excellent instructors. Two million plus people live in this county.
"...if the gentlemen of Virginia shall send us a dozen of their sons, we would take great care in their education, instruct them in all we know, and make men of them." Canasatego 1744
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Joined: Dec 2002
Posts: 26,178 Likes: 23
Campfire Ranger
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Campfire Ranger
Joined: Dec 2002
Posts: 26,178 Likes: 23 |
Yeah, Birdy, they do.
This sounds a bit like the building contractor who lived down the road from my Uncle. One day he saw my Uncle and a couple of his sons building a new room onto the house so he had to stop in and bitch about how people doing their own home improvement work were "stealing the bread right out of his kids' mouths".
People who choose to brew up their own storms bitch loudest about the rain.
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Joined: Aug 2002
Posts: 37,975 Likes: 10
Campfire 'Bwana
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OP
Campfire 'Bwana
Joined: Aug 2002
Posts: 37,975 Likes: 10 |
Dave Ramsey is Birdy,s Antichrist.....
You ain’t ever gonna be President of my fan club because we need someone good-looking. Anyways, Dave Ramsay gives excellent advice for people who are reasonably sure they’re gonna be around in ten years, I’m a natural pessimist. I got excellent credit, oughtta be able to qualify for a low interest loan, meaning we could actually get to use this vehicle while the kid still enjoy’s hanging out w/grandpa and/or her dad and stepmom without amortizing that much of an interest hit. Currently close to half my take home goes against credit debt. That will be cleared before purchase of this vehicle. From that purchase date, at my present level of spartan I can pay off the house in two years and that vehicle in four at the same time. So five years from now paid off vehicle paid off house. That’s the plan. Been doing this four years now, ain’t got off track yet. Short of death, more likely is increasing medical/dental expenses as I get older, these ain’t hit at all yet, not even a little bit (might be all that bicycle riding helps) but I would prefer to clear the decks re: vehicle and house before they do. Because sooner or later they’re gonna. That’s the plan.
"...if the gentlemen of Virginia shall send us a dozen of their sons, we would take great care in their education, instruct them in all we know, and make men of them." Canasatego 1744
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Joined: Aug 2003
Posts: 13,953 Likes: 1
Campfire Outfitter
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Campfire Outfitter
Joined: Aug 2003
Posts: 13,953 Likes: 1 |
Who hires all those students the talented instructors are training if they're using a government-subsidized shop to steal profitable repair work from the very entrepreneurs whose taxes are paying their salaries? I taught auto mechanics for 30+ years, but I was very careful not to get into competition with the people whom I hoped would hire my graduates. Jerry Now ya got me puzzled, I thought the Auto Shop kids worked on the school staff’s and student’s cars everywhere. A calculated risk for the owner of the car, but we got excellent instructors. Two million plus people live in this county. Used to be fairly common for local high school students taking vocational courses in all kinds of trades to get hands O.J. training via real world application in building houses and storage barns which were sold, auctioned or raffled off to pay for materials and buy materials to build more. Same for other vocational courses, too, including some repairing of vehicles for cost of parts for pretty much whoever asks residing within the county school system, as they had time and space. A cousin bought one of a local high school's vocational student built houses several years ago. Real nice, well built house in a good neighborhood. She and husband love it and now appraises well over what they paid for it. Nowadays, though, many of the manual labor vocational courses have been eliminated from the curriculum.
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Joined: Aug 2003
Posts: 13,953 Likes: 1
Campfire Outfitter
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Campfire Outfitter
Joined: Aug 2003
Posts: 13,953 Likes: 1 |
Dave Ramsey is Birdy,s Antichrist.....
You ain’t ever gonna be President of my fan club because we need someone good-looking. Anyways, Dave Ramsay gives excellent advice for people who are reasonably sure they’re gonna be around in ten years, I’m a natural pessimist. I got excellent credit, oughtta be able to qualify for a low interest loan, meaning we could actually get to use this vehicle while the kid still enjoy’s hanging out w/grandpa and/or her dad and stepmom without amortizing that much of an interest hit. Currently close to half my take home goes against credit debt. That will be cleared before purchase of this vehicle. From that purchase date, at my present level of spartan I can pay off the house in two years and that vehicle in four at the same time. So five years from now paid off vehicle paid off house. That’s the plan. Been doing this four years now, ain’t got off track yet. Short of death, more likely is increasing medical/dental expenses as I get older, these ain’t hit at all yet, not even a little bit (might be all that bicycle riding helps) but I would prefer to clear the decks re: vehicle and house before they do. Because sooner or later they’re gonna. That’s the plan. Of course every little bit is always plus but you might want to do a little research on interest rates as to how much difference they really make in a monthly payment. Length of loan can make much more of a dollar difference in monthly payment and total interest paid.
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Joined: Jan 2012
Posts: 67,685 Likes: 78
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2012
Posts: 67,685 Likes: 78 |
It’s termite season, Orkin might pick you up the evenings to drill slabs overnight in commercial accts.
Put them 2 entomology degrees to work. Have that credit card debt whooped in no time.
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Joined: Aug 2002
Posts: 37,975 Likes: 10
Campfire 'Bwana
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OP
Campfire 'Bwana
Joined: Aug 2002
Posts: 37,975 Likes: 10 |
Of course every little bit is always plus but you might want to do a little research on interest rates as to how much difference they really make in a monthly payment.
Length of loan can make much more of a dollar difference in monthly payment and total interest paid.
At 3 to 4% interest I’d be ballparking $1,500 to $2,000 in interest over a four year period. Man proposes and God disposes of course, but in a perfect world God willing I’d pay off the house and then get the vehicle paid off in three. Ain’t looked into home renovation loan rates but I could prob’ly make it good as new inside and out for about half its current market value and then live like a regular person again if I wanted.
"...if the gentlemen of Virginia shall send us a dozen of their sons, we would take great care in their education, instruct them in all we know, and make men of them." Canasatego 1744
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Joined: Aug 2002
Posts: 37,975 Likes: 10
Campfire 'Bwana
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OP
Campfire 'Bwana
Joined: Aug 2002
Posts: 37,975 Likes: 10 |
It’s termite season, Orkin might pick you up the evenings to drill slabs overnight in commercial accts.
Put them 2 entomology degrees to work. Have that credit card debt whooped in no time. Not likely that would happen during the school year, I’m one of those 12 hour a day teachers, summers possibly but I could prob’ly make more working for a tutoring outfit. I appreciate the suggestion tho.
"...if the gentlemen of Virginia shall send us a dozen of their sons, we would take great care in their education, instruct them in all we know, and make men of them." Canasatego 1744
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Joined: Jan 2020
Posts: 5,230 Likes: 5
Campfire Tracker
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Campfire Tracker
Joined: Jan 2020
Posts: 5,230 Likes: 5 |
Whatever you choose to do, don't buy a 2 wheel drive vehicle.
Life is good live it while you can.
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Joined: Jan 2012
Posts: 9,425 Likes: 3
Campfire Outfitter
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Campfire Outfitter
Joined: Jan 2012
Posts: 9,425 Likes: 3 |
Birdman, it seems as if you are envisioning your own demise. If so, live your life and spend your remaining days enjoying your life with those that you care for. Doing things and going places w/ them will have a more lasting affect than will stuff that you leave behind.
Owning a vehicle that suits your aspirations and is always ready to go anywhere is basic to an adult's life.
mike r
Don't wish it were easier Wish you were better
Stab them in the taint, you can't put a tourniquet on that. Craig Douglas ECQC
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Joined: Jan 2012
Posts: 9,425 Likes: 3
Campfire Outfitter
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Campfire Outfitter
Joined: Jan 2012
Posts: 9,425 Likes: 3 |
my recent CarMax purchase.......the under the radar 2011 Lexus GX 460 Premium..$22K 95K miles.....4.6L V8..full time 4wd....6 speed auto/manual....fully loaded...22 mpg max hwy......6500# tow capacity Car pushed $60K new back in 2011.......I'd expect it to go many years of good service for us This is the USA version of the Toyota Land Cruiser Prado in the rest of the world..body on frame construction Maybe wouldn't suit all your needs.....soo......Car Max....give them 4.5 stars overall for the sale Good luck in your (Toyota ) search Tikkanut, that is a great deal but I doubt that it would fit birdy's proletarian sensibilities. or last very long in the ghetto. mike r
Don't wish it were easier Wish you were better
Stab them in the taint, you can't put a tourniquet on that. Craig Douglas ECQC
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Joined: Aug 2002
Posts: 37,975 Likes: 10
Campfire 'Bwana
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OP
Campfire 'Bwana
Joined: Aug 2002
Posts: 37,975 Likes: 10 |
Birdman, it seems as if you are envisioning your own demise. If so, live your life and spend your remaining days enjoying your life with those that you care for. Doing things and going places w/ them will have a more lasting affect than will stuff that you leave behind. No worries. Law of averages at this point says even odds of seeing 80. I’m just a natural pessimist is all 🙂 Tell ya what, along the lines of memorable experiences, taking my son to the UK for two weeks four years back to see the Isle of Man TT motorcycle races was absolutely epic 😎 Worth every penny. Owning a vehicle that suits your aspirations and is always ready to go anywhere is basic to an adult's life.
I agree, and I’ll add too that while life ain’t about “things”, if you’re gonna leave anything behind, a pickup truck sure is appreciated.
"...if the gentlemen of Virginia shall send us a dozen of their sons, we would take great care in their education, instruct them in all we know, and make men of them." Canasatego 1744
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Joined: Aug 2003
Posts: 13,953 Likes: 1
Campfire Outfitter
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Campfire Outfitter
Joined: Aug 2003
Posts: 13,953 Likes: 1 |
Of course every little bit is always plus but you might want to do a little research on interest rates as to how much difference they really make in a monthly payment.
Length of loan can make much more of a dollar difference in monthly payment and total interest paid.
At 3 to 4% interest I’d be ballparking $1,500 to $2,000 in interest over a four year period. Man proposes and God disposes of course, but in a perfect world God willing I’d pay off the house and then get the vehicle paid off in three. Ain’t looked into home renovation loan rates but I could prob’ly make it good as new inside and out for about half its current market value and then live like a regular person again if I wanted. The difference in monthly payments from 0% up averages approximately $11 dollars for each full percentage point in interest increase on a 48 month $25 k vehicle loan.
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Joined: Aug 2002
Posts: 37,975 Likes: 10
Campfire 'Bwana
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OP
Campfire 'Bwana
Joined: Aug 2002
Posts: 37,975 Likes: 10 |
Whatever you choose to do, don't buy a 2 wheel drive vehicle. Have a good friend down here, ranches cattle with his brother, goes out to Big Bend every couple of years, old school Texan, worked the oilfields back in the late 70’s. He’s gone through three pickup trucks in the 35+ years I’ve known him, one of which was 4WD. He says in the five years he owned it he needed 4WD maybe three times 🙂
"...if the gentlemen of Virginia shall send us a dozen of their sons, we would take great care in their education, instruct them in all we know, and make men of them." Canasatego 1744
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Joined: Dec 2002
Posts: 26,178 Likes: 23
Campfire Ranger
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Campfire Ranger
Joined: Dec 2002
Posts: 26,178 Likes: 23 |
Without any need for snow traction, 4WD is over rated, and often money better spent on a vehicle with lower miles or fewer years
My Toyota PU is 2WD (as well as several previous PUs and Celicas) and has gotten me home from work every day, even with six inches of fresh snow on the road. I just reach behind the seat and grab that 50 cal ammo box full of tire chains.
With good tires and a bit of weight in the back, I have taken my 2WD Toyotas where many could not get with their 4WD. It helps to know how to drive.
People who choose to brew up their own storms bitch loudest about the rain.
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Joined: Dec 2010
Posts: 19,355 Likes: 28
Campfire Ranger
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Campfire Ranger
Joined: Dec 2010
Posts: 19,355 Likes: 28 |
Whatever you choose to do, don't buy a 2 wheel drive vehicle. Have a good friend down here, ranches cattle with his brother, goes out to Big Bend every couple of years, old school Texan, worked the oilfields back in the late 70’s. He’s gone through three pickup trucks in the 35+ years I’ve known him, one of which was 4WD. He says in the five years he owned it he needed 4WD maybe three times 🙂 Depends alot on where you live and where you plan to go with it I guess. I guarandamntee you he'd have used/needed it a hell of alot more than that if he lived here. You ain't making it up my driveway in the winter without four wheel or AWD unless you plan to chain up. Off road in mud or snow, there's just no comparison. And yes, I've run several 2wd and 4wd pickups, 4wd Jeeps, AWD SUV's and fwd and rwd cars many thousands of miles both on and off road over the years and I damn sure know how to drive under slippery conditions.
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Joined: Aug 2002
Posts: 37,975 Likes: 10
Campfire 'Bwana
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OP
Campfire 'Bwana
Joined: Aug 2002
Posts: 37,975 Likes: 10 |
I think the difference is in Texas there is very little public land and if you head west to find it you end up in dry climates. Around here ya gotta go looking for opportunities to go four wheeling. Even now with 4WD so easily available prob’ly three out of four pickups are 2WD.
"...if the gentlemen of Virginia shall send us a dozen of their sons, we would take great care in their education, instruct them in all we know, and make men of them." Canasatego 1744
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Joined: Dec 2010
Posts: 19,355 Likes: 28
Campfire Ranger
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Campfire Ranger
Joined: Dec 2010
Posts: 19,355 Likes: 28 |
I think the difference is in Texas there is very little public land and if you head west to find it you end up in dry climates. Around here ya gotta go looking for opportunities to go four wheeling. Even now with 4WD so easily available prob’ly three out of four pickups are 2WD. Upstate NY you very rarely see a 2wd pickup on the road. Hell you can't even get one at most dealerships unless you special order it.
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Joined: Jun 2012
Posts: 10,068
Campfire Outfitter
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Campfire Outfitter
Joined: Jun 2012
Posts: 10,068 |
I think the difference is in Texas there is very little public land and if you head west to find it you end up in dry climates. Around here ya gotta go looking for opportunities to go four wheeling. Even now with 4WD so easily available prob’ly three out of four pickups are 2WD. It ain't always about traction, Birdy. A lot of this land out here requires decent ground clearance even if you don't need the front tire's spinning. And dry climates can turn to muddy messes in a very short amount of time. It's nice to be able to get out when ya need to.
Mercy ceases to be a virtue when it enables further injustice. -Brent Weeks
~Molɔ̀ːn Labé Skýla~
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Joined: Dec 2019
Posts: 17,665 Likes: 52
Campfire Ranger
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Campfire Ranger
Joined: Dec 2019
Posts: 17,665 Likes: 52 |
I would avoid mid sized SUVs for campers... fine for boats and the occasional horse trailer, but trailer frontal area is a big factor once you get above 45-50mph...look for the flat spots on the torque curve, not the peak, the plateau is where you want to be hauling...it's a lot like looking for a wide sweet spot in load development...
Just cause it can pull it doesn' t mean long pulls won't hurt it... Even a midsize SUV w/a V8 may struggle w/ the wind resistance..
-OMotS
"If memory serves fails me..." Quote: ( unnamed) "been prtty deep in the cooler todaay " Television and radio are most effective when people question little and think even less.
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