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Monday, May 9, 2022
11 small ways to Save the World
Sunday, May 8, 2022
Birthday trip
Thursday, March 17, 2022
Chip Shortages Affect Cars, Too
And now... for the dramatic follow up to the first post.
I'm not super stoked to write out this story because I'm still a little upset about the whole thing, but I need this for future reference.
You know I'm the research queen. When I considered replacing my Sonic, I started reading up on all the ways that dealerships can scam you out of your money. What things to watch out for, and what they will attempt to tell you or the excuses they will give to charge you things.
I came in with a folder. I thought I was ready. I had gotten an approval for a car loan from BECU. I had my credit numbers printed out. I had the average price of the car, what the MSRP was, and an entire print out of all the bogus fees dealerships might try to tack on. And of course I had Patrick with me in order to keep me in check.
When we first walked in, they tried to charge over $35k for a $27,775 MRSP car. They said they were tacking on a markup for the shortage situation. Look, I get it - it's a tough market, but you also have to realize that the longer a car sits on the lot unsold, the more it costs the dealership because they're basically charged a fee for every day it sits. So in the case of selling a car before it even hits the lot? Come on.
When we questioned this, she relented and said that was supposed to have been $31,775 and got it changed. Rule number one that I read is "Dealers don't make mistakes". She'd been doing this job for 3 years, and that would have been a very obvious error. It's not a mistake, they just get caught in a lie.
Then we also got the GAP insurance coverage removed, the oil maitenence package removed, and a reduction in the "PERMAPLATE" stuff that apparently "gets installed at the factory" and helps protect the car from dings and scratches. This is another thing dealerships try to tell you - they will "blame" the factory and say that they're charging it because they have to, as they didn't add it on, but all you have to say is "I didn't request _____, so I want the charge removed." You can do that for other things too, like VIN Etching.
They also do something I read about called "filling buckets" - it's just a visual aid to describe that they shuffle money around from one spot to another to make it look like you're saving more. They did that with my trade in. They first offered $10,500, but then reduced it to $10k after me asking for other stuff to be removed or something, I can't remember exactly. I was looking at the total at the end, and instead of charging $1200 for the PERMAPLATE, they were charging $999, and I figured if I could get that taken off entirely, it would work out. She basically asked me, "If we remove this charge completely, then you will sign?" Due to the $4k markup, the monthly for the vehicle was going to be much higher than I had anticipated. Although I had read that taxes for a vehicle in WA state would only be 6.8%, that doesn't include county tax, so it was more. And also the vehicle licencing charges were almost $800, which seemed outrageous and I was not expecting that either. On the plus side, they didn't try to tack on any "Dealer Prep Fees" or any other bogus charges, so it was just the straight taxes and licensing.
It was way more than I had originally mathed out. But then the manager said "what if you went from 72 months to 84?" I said I had gotten approved from BECU, and I'm not sure if this was intentional or if there was miscommunication, but he asked "for 84 months?" and I said yes, because I figured if I was approved for 72, why not 84? But we had agreed on a price that worked for me, which I think was $240 a month after down at 84 months. So as long as they took off the PERMAPLATE charge, I would sign.It's when we got to Finance that things changed and I probably should have backed out. She told us that you can't finance anything less than 20k at 84 months, which is true for a lot of banks, and because we couldn't put as much down as we were anticipating (as it would bring the total cost below 20k), then the monthy would go up to $255. They had tacked on the extended warranty and couldn't remove it or it would drop the loan amount to below 20k. I mean, after raising my concerns, she did take $500 off the extended to bring it down to $2500, and somehow reduced the cost of the licensing fees to somehwere around $450 and it still kept the loan above $20k. Plus, she told us that if we wanted to remove the extended warranty all we had to do was call them, and a check would be cut directly to the bank and it would take $2500 off the total, but it obviously wouldn't reduce our monthly.
[Side note: The reason I focus on the monthly payment is not make it low enough to afford, I know that is a mistake. I want it the lowest I can possibly make it so that I have the ability to overpay every month. I had paid off my Sonic loan in 3 years. I knew I wasn't going to still be paying off this car in 7 years, and not even in 6.]
My mistake was signing anyway. It was after 9pm, we were all tired. She told me "lets just secure this paperwork and get you home" (including putting down a $500 deposit to secure the new car).
That night, after I got home, I was phisically ill. I couldn't sleep. I kept telling Patrick how much I regretted this, and he was saying that everything was fine, everything would be fine, we could afford it. But I didn't like it. I felt like we were taken advantage of, that it was a type of bait and switch, that we had agreed on one price but then Finance told us different, and the whole thing didn't sit well with me and I wanted to back out. He said that was fine, that we didn't "sign anything" and I could still back out.
The car would be arriving that Saturday. I texted the rep that I wanted to back out. She had originally told me that the $500 deposit was contingent on me liking the car, since it wasn't available for me to test drive. And I figured that if she refused to return the deposit then I could issue a chargeback on my credit card since I had no intention of picking up the car.
She said that I had signed over the Sonic and it was now their car. I said I still had the title...? She sent me a picture of the affidavit I signed the other night in Finance. That basically meant that I had no recourse to back out of this. You see, even though I held the original title to my Sonic, they had me sign a Affidavit to Release Interest in the Sonic. It was now their car, and if I didn't give it to them, they could repo it. I was stuck. Although I had gotten advice saying that it wasn't legal and they couldn't do anything if I didn't drive the car off the lot, it didn't make sense to me that they never needed MY title of the Sonic. That affidavit had to be a legally binding document.
I spoke to the manager, and he got me another $250 off the price, which lowered my monthy to $251 (oh joy), but that was all he could do. I mean, I was more upset with myself than them. I did sign all the documents. The only part I can't prove was whether or not they had intentionally made it seem like I could do 84 months at a lower payment then was actually possible.
I told Patrick that we were going to go pick up the car. He was upset that I was upset, and to him it seemed like I was folding under pressure. But I just had to chalk it up to experience, and an expensive mistake, and it's not like I still didn't want the car. It was just right now was bad timing. We were planning on moving out in May, and I had to take some money out of the Savings for moving in order to meet the down payment. And due to Patrick owing taxes and such, it just meant that we were going to have to sign another lease at our current place for another 6 months. But that might work out for the best in the end, since the new apartment was going to be a bit more expensive than this one anyway.
I can't say I got a bad deal. The only thing they ended up getting away with was the $4k markup. And they weren't the only dealership charging $31,775 for the car. But I can't wait to take the Honda of Burien plates off my car, that's for sure.
Wednesday, March 16, 2022
New Car
As the title suggests, I got a new car. I was already planning on replacing my 2015 Chevy Sonic LTZ for 2 main reasons... #1 is that it has had a number of mechanical and electrical issues since I've owned it in the last 6 years, and I felt like there was another one coming due to rough idling (it only had 70k miles on it). #2 is that right now, the used market for cars is nuts, and Kelley Blue Book said my car was worth $10,200, when I had paid $12-something for it 6 years ago.
So the only real issue with a high rate of return on trade-ins is that many new vehciles right now have a mark up because dealerships are getting very few sent from the factory and therefore need to make up for the loss in revenue due to this. That was the case for the car I wanted to replace this with, which was a 2022 Honda Insight hybrid.
Right now, gas prices are also nuts, and while you would think the tiny body and engine (the LTZ model had a turbo as well) of the Sonic had to have had some great gas milage, it just didn't. With a 12 gal tank, it averaged about 280-300 miles, and roughly 27mpg, with a HP of 138. The Insight on the other hand, is a mid-sized sedan with a hp of 151, a 10.6 gal tank, and gets about 500 miles to a tank; roughly 50-55 mpg. It's basically the best in its class and on par with the Prius.Thanks to youtube reviews, I knew basically everything about the car inside and out before even going to the dealership (obviously this isn't the end all-be all of information, but no dealerships had any cars on the lot for me to look at personally, so it's all I had). And compared to the Prius, Honda did them one better. The EX trim, which is their base model, had all the high tech saftey sensors that the base model Prius lacked.
- Safety features:
- Driver-assistive features:
Thursday, March 3, 2022
OnePlus 9 Pro Update
Oh I'm settling. So hard. |
Monday, February 14, 2022
Kitty Update
We found a travel vet call Peaceful Goodbyes, and she was able to come out within a couple of days. Daisy, at this point, had done a 180 from a couple days ago and was now eating again, but we were still worried about her pain level.
See, cats hide their pain very well, and sometimes that pain can cause them to not want to eat, which can turn out very badly within just a couple of days if they continue down that road. We wanted to get ahead of the lack of appetite/throwing up, since it would only take a couple of days for her to suffer from hepatic lipidosis.
Thursday, January 6, 2022
Adjustable Base
So you know me, the research queen. I try to watch and read all the things before I buy something, especially if it's expensive. Due to some recent back issues I've been having (and Patrick has been complaining as well), I decided that we needed to do something about our bed. Unfortunately, we had just bought the Purple 4 back in March. And the funny thing is, it has worked great up until now. I've replaced my mattresses too many times over the last 5 years and spent way too much money trying to find the "perfect mattress" to have to toss this one and try another. So, I found another solution.
An adjustable base.
To the youtubes!! Just about everybody and their dog makes their own adjustable bases. Unless you've been living under a rock, I'm sure you've noticed the explosion of rollable, shippable, factory-to-consumer beds being sold on the market right now. And just about every one of those brands will make an adjustable base. I had to watch several youtube videos about "the 5 best adjustable bed bases!", which of course, each one had a different set of 5, so it made things even more difficult.
Feature-wise, I didn't need anything too fancy like under bed lighting, wall-hugging, or message. I really just wanted this so-called "anti-gravity" feature that raises the head and legs up so that it craddles you and takes the pressure off your lower back. But I was also desperately looking for measurements of the frame because a bunch of them touted that they would fit inside your current bed frame to look seamless, and also had adjustable legs to increase the height, which I really needed because my platform frame was 14" high. I also wanted to make sure it was going to hold enough weight. The cheaper frames I found only held 650-750lbs, which seems like a lot, but Purple beds are really freaking heavy. My queen is probably about 200lbs of floppy hyperelestric polymer. Add 250 for Patrick and round up to 200 for me, and that's already too much.
I also wanted something where the frame looked nice just in case it wouldn't fit inside the one I currently had. Now granted, there isn't anything fancy about my platform frame. Its a steal construction with wooden slats but a nice dark gray padded headboard; that's the part I really wanted to keep. But I had spent probably $200 on this frame, geez, a year ago, maybe 2? It's not like I like throwing away money.
So, after a couple of days of watching videos, I finally found something that fit the bill. The Nectar adjustable base actually had above and beyond what I wanted, at a reasonable price. On sale for $800, it had USB ports, underbed lighting, message, anti-snore, all the adjutability, could hold up to 1,000lbs, and a nice padded dark gray surround for the frame. It said the leg height could be adjusted and was meant to sit inside bed frames, so it looked great. The youtube videos I watched said that the set up was really easy which was good because I didn't have enough room in my apartment to shuffle things around while trying to put it together.I buy it, and end up with a coupon for a free 10-year parts and labor warranty on the motor etc, which is great because it originally only comes with a 3 year one, which is one of the worst offerings for adjustable bases. Patrick and I had a horrible time getting it up the stairs. First of all, there is something wrong with my left arm (that I will be seeing the doctor about) where I can't use it to lift much without it really hurting, so we had that going. Plus, Fed Ex dropped it off outside, with a cardboard box, on the day it was raining a monsoon. I got to it within 30 minutes but Patrick was at work, so just getting it inside the door of our secured unit (downstairs) was a feat in itself, as it weighs like 150 lbs. The cardboard was already falling apart, so when Patrick came home I told him we had to open it downstairs and then drag it up, because the cardboard wouldn't last the journey.
We get it up the stairs, and notice that the actuators for the motors weren't connected, and nothing was plugged into the control unit. It was also not already one piece (the video I watched said "it's already put together, all you have to do is unfold it and turn it over!" basically). So, we move the mattress out of the way, and I measure the adjustable frame and no, it will not fit inside the one I have. Sadness. I was not super surprised, as I was reading that platform frames are a bit different than regular frames so it might not fit. That's why I found one with the gray trim. But then I noticed the legs. They were a single piece of steel and not adjustable, even though the FAQ claimed that they were. So now they're lying. Fine, whatever, it wasn't going to fit inside my platform frame anyway.
We go to put the two halves together. Holes need to align so that we can screw in a leg on each side; only, the right side was being stubborn. Nothing we could do, no matter how hard we pushed, would align the two holes to screw in that leg. I finally had to bring out my dremel and start shaving steel. That was fun. I managed to make the hole just big enough to get the holes to align and we screwed in the leg. Then, we had to decipher the horrible instructions. They were completely wrong about which wire went into each plug for the control unit (they were color coded on the unit) and in general the directions just sucked. We had to guess at what they were implying most of the time.
Finally, we get it together, put the batteries in the remote, and the bed doesn't move. (Luckily, the mattress wasn't on it yet). We realized they had given us dead batteries. They're AAA - do I even have any? Luckily, I did; exactly 3, which is what it took. Then, we try again. The bed still doesn't move. Maybe we plugged something in wrong, after all, the instructions were shit. So we turn the bed on its side and look at the controller. I'm reading the instructions to see if there was something we missed. On the last page, there is something in italics saying that we need to pair the remote with the controller.
...why wasn't that in the instructions for set up? We had already turned the frame over and were ready to go. It would be pretty important to tell us this before we get everything set up. The controller is in the middle of the frame and hard to reach.
So, we do this, and finally, at almost midnight, we get the damn thing set up and now we can go to bed.
Pic from GoodBed review |
Additional: We've had this bed base for like a month, and I've already had to re-pair the remote with the unit as if I took the remote outside with me or something. The remote hasn't gone further than 5 feet from that controller for the whole month. It's ridiculous that it unpairs for absolutely no reason, and then I have to reach under the bed in order to do the pairing process again.
On a positive note, it seems to work great when it works, and sleeping in a modified Anti-Gravity mode is super comfortable and works amazing for the lower back pain. So I highly recommend buying one (maybe not this one though??) if you have that kind of issue and have the kind of bed that can be bent to its will.