Author Message
Yoko KuramaMessage #1
01/10/08 03:56 PM There are many financial blunders people make without even realizing it. I am here to correct those mistakes with a little advice and some general rules of thumb. The first thing every consumer needs to remember is that there is a big difference between a “want” and a “need”. “Wants” are the material goods that are not a requirement for life, but serve as ‘creature comforts’. Needs are the material goods that are required to live every day. I would highly recommend that everyone who reads this make a list of all their “wants” and a second list of all their “needs”. This will help in determining where your money should go. For those of you who are in the market for a car, I would highly recommend that you first sit down and decide if you really need a $65,000 Land Rover or whatever car you want to buy that you are going to use as an everyday driver. For most people, a cheaper car is enough for a daily driver. Buy the cheaper everyday driver car and use the extra money you save to buy better insurance (namely full coverage insurance and hail damage insurance) for the car, as well as gas for the car. Most people do not really need anything more in a car than all the safety features the car can hold, power windows and locks, power mirrors, heated exterior mirrors, an electro-chromic interior mirror, power-adjusting seats, and air conditioning. Any other feature falls under the “want” (creature comfort) category and is not a necessity to get back and forth safely to work every day. If your job or hobby requires you to buy a large, gas-guzzling vehicle, you must first decide if said vehicle will serve its desired purpose, and then only select a vehicle with the features necessary to accomplish said purpose.
For those of you in the market for a new house, I would highly recommend you “plan ahead” and choose a house that will be big enough for your current family and any additions to your family you wish to make in the future. Also, if you are going to buy a house, the most important thing to remember is that you must factor in the cost of utilities, cable or satellite TV, phone service (landline or cellular, whichever you decide to use), any insurance costs, and mortgage payments when determining the monthly payments you can afford for the house in question. Homeowners insurance is a must, and if your potential abode is in a flood plain, you also need flood damage insurance. A general rule of thumb for determining if you need flood damage insurance: If you live within a “flood plain”, and you are no more than 500 feet above the “flood stage” of the nearest body of water (river, lake, stream, or ocean), then you must buy flood damage insurance. Also, sump pumps are a must if you live in an area that gets a lot of rainfall during the year. Always, and I cannot stress this enough, ALWAYS read the fine print BEFORE you sign any mortgage papers. Fixed payment rate mortgages are a must if you intend to live at said residence long-term. I would recommend having an accountant or professional financial advisor present when you go apply for a mortgage, as they can determine what rates and terms are best for your lifestyle and purpose and keep you from unknowingly getting pulled into something you will regret later on.
One major rule of thumb: Calculate the total monthly cost of food, gas, utilities, TV and phone service, insurance, and mortgage and car payments, then subtract that number from your monthly income. Your monthly income should be no less than twice the total monthly payments you make on bills.
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Eddie2Message #2
01/10/08 03:58 PM Easier said than done.... ?
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TeresaDMMessage #3
01/10/08 04:02 PM Most people do not really need anything more in a car than all the safety features the car can hold, power windows and locks, power mirrors, heated exterior mirrors, an electro-chromic interior mirror, power-adjusting seats, and air conditioning. Any other feature falls under the “want” (creature comfort) category and is not a necessity to get back and forth safely to work every day.
I only have air conditioning. I hope I'll make it to work okay....
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Yoko KuramaMessage #4
01/10/08 04:03 PM This is not easier said than done. It can be done if you actually take time out of your day to do it. Whoever said "nothing in life is easy" was an absolute genius, and this only proves that.
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The JMessage #5
01/10/08 04:04 PM For those of you who are in the market for a car, I would highly recommend that you first sit down and decide if you really need a $65,000 Land Rover or whatever car you want to buy that you are going to use as an everyday driver. For most people, a cheaper car is enough for a daily driver. Buy the cheaper everyday driver car and use the extra money you save to buy better insurance (namely full coverage insurance and hail damage insurance) for the car, as well as gas for the car. Most people do not really need anything more in a car than all the safety features the car can hold, power windows and locks, power mirrors, heated exterior mirrors, an electro-chromic interior mirror, power-adjusting seats, and air conditioning. Any other feature falls under the “want” (creature comfort) category and is not a necessity to get back and forth safely to work every day. If your job or hobby requires you to buy a large, gas-guzzling vehicle, you must first decide if said vehicle will serve its desired purpose, and then only select a vehicle with the features necessary to accomplish said purpose.
Maybe YOU need to re-examine the definitions of "needs" and "wants". I'm not sure how power mirrors, windows, locks and adjusting seats are needs. Same with AC. Heated exterior mirrors and electro-chromatic interior mirrors are LUXURIES.
The JMessage #6
01/10/08 04:05 PM This is not easier said than done. It can be done if you actually take time out of your day to do it. Whoever said "nothing in life is easy" was an absolute genius, and this only proves that.
Acutally, you just proved that this easier said than done. Otherwise it would actually be easier to do it than to simply type it and post on a message board (extremely easy). Therefore this would be easy to do and your statement that "nothing in life is easy" would be wrong.
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Who_is_JohnGalt1Message #7
01/10/08 04:11 PM Who are you and what are your credentials?
Lena
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GraphixMessage #8
01/10/08 04:12 PM He's MarkN
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momOnARollMessage #9
01/10/08 04:13 PM LOL Lena!
Who_is_JohnGalt -> Who_is_MarkN
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momOnARollMessage #10
01/10/08 04:15 PM How can heated exterior mirrors possibly be a necessity. I've never even seen a car that had these...well...not that I know of at least. I didn't even realize I was missing anything!
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Yoko KuramaMessage #11
01/10/08 04:16 PM The J, power mirrors, windows, locks, and adjusting seats are needs because they are safer to operate and can be operated without having to lean forward or across the passenger seat. If your car does not have power locks, how do you think it would be physically possible to unlock all the doors, get everyone in the car, and lock all the doors faster than a man with a gun can run up and carjack you at gunpoint? And what about cars without power windows? How is it possible to roll down all the windows on the car manually from the driver's seat? Or what would you do if you only had manual windows, all of them were down, and it suddenly started pouring down rain? You'd have one big mess inside your car. Heated exterior mirrors are needs for those who live in areas that get hit with snow and ice, or who wake up to find the car covered with mist from an early-morning fog, and electrochromic mirrors are needs for those who drive at night. Most exterior mirrors are too small for scrapers to be used on, and most people scrape so hard they can break the control arm the mirror is mounted to. A/C is a need for those who drive in hot areas so they don't die from the heat. I have seen many instances where elderly people, pets and children have died because they did not have air conditioning in their cars during the summer and they were in a parking lot waiting for a buddy or their parents to do some shopping. In that situation, even rolling down the windows will not save them.
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UnmaterialMessage #12
01/10/08 04:18 PM Heated mirrors are a necessity. So are those tiny windshield wipers I used to see on some Mercedes' headlights.
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UnmaterialMessage #13
01/10/08 04:20 PM If your car does not have power locks, how do you think it would be physically possible to unlock all the doors, get everyone in the car, and lock all the doors faster than a man with a gun can run up and carjack you at gunpoint?
It would be cheaper to buy a handgun and a concealed-carry permit than pay the car loan required to get all of the features you think are necessary.
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Mudflap81Message #14
01/10/08 04:22 PM WOW!!! YOU CHANGED MY LIFE!!!! LIZ - TIME TO SHUT THE BOARD DOWN, OUR ANSWERS ARE HERE!!!!!!!!! leave the link to the board and make a page showing this one post! I can't believe that no one in the history of all money has ever thought of this or pointed it out either. You should totally have a TV show.
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WeWillBackGowronMessage #15
01/10/08 04:23 PM I love how the guy spends his first paragraph talking about wants vs needs, and then lists cable/satellite as an expense to consider while buying a house.
Just where do you think you are? Will you also be giving Warren Buffet advice on investing?
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The JMessage #16
01/10/08 04:23 PM (1) You should adjust your seat, mirrors, etc... before you start driving.
(2) Amazingly enough, people have driven at night without electro-chromatic mirrors for, oh, ~80 years, and some of them managed not to die.
(4) If people have AC, they don't need power windows. If people have neither, they can pull the car over and roll down the windows. Oh the horror of being inconvenienced for 45 seconds!!
(3) You're of course absolutely right about the power locks -- in fact, keyless entry is faster, so that's a need. As is bullet-proof glass, because locking a door isn't going to protect you from a .38
(4) Hate to break it you, but having A/C wouldn't have saved those people. first of all, A/C requires the car to be running, which most people don't do when they're sitting around in a parking lot. Second of all, those people have died because they didn't get out of a car.
(5) What's cheaper than heated side mirrors? A minature scraper. I got one at autozone for around $3. Perfect size to scrape my mirrors.
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quotequeenMessage #17
01/10/08 04:24 PM How anybody who is complaining that people today don't know the difference between wants and needs can turn around and say that things people lived without for many many years are necessities is beyond me. Power locks? OMG, can you imagine having to unlock doors by hand??? Um, yes... my boyfriend's and best friend's cars both do not have power locks. They survive just fine. I don't even have a car. Not a necessity at all for me.
Just because something makes your life marginally safer does NOT mean it is a need. A personal bodyguard would make me safer... still a luxury.
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Yoko KuramaMessage #18
01/10/08 04:24 PM Unmaterial, it may be cheaper to buy a handgun, but a carjacker is not going to give you time to reach into the glovebox or wherever you keep the gun then turn and blow his brains out. Plus, a handgun is not going to save you if you are putting groceries into the car or walking to your car at night and someone comes up from behind you, sticks a gun in your back, and demands your keys and wallet. The moment you turn to attack, you're dead.
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zakblueMessage #19
01/10/08 04:25 PM Mark, you are very amusing. You should write a book to help people achieve financial success.
You could write a chapter on the importance of Hail Damage insurance for your car, a chapter on sump pumps, and then in the epilogue you could also mention it's important to save half of your income.
Note: most of us are old enough to remember cars before there were power anything. People managed to get by, somehow. Please don't leave your children in the car, even if you have A/C.
rob baseMessage #20
01/10/08 04:27 PM As to who this OP is...he's MarkN....who the hell are you? :-)
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TeresaDMMessage #21
01/10/08 04:27 PM It's very noble of you to try to summarize some good financial ideas to keep people from making mistakes. But life isn't a textbook. Things never work out exactly the way you plan, so you have to react to things as they come along. You do need to have plans and goals, but there isn't one right plan for everyone. For instance, not everyone can afford a house "big enough for your current family and any additions to your family you wish to make in the future." Most people have to buy up a few times.
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Mikey02Message #22
01/10/08 04:28 PM Plus, a handgun is not going to save you if you are putting groceries into the car or walking to your car at night and someone comes up from behind you, sticks a gun in your back, and demands your keys and wallet. The moment you turn to attack, you're dead.
No, a hand gun won't help in this situation. But, power windows will!
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GraphixMessage #23
01/10/08 04:30 PM Oh the horror of being inconvenienced for 45 seconds!!
But I need that 45 seconds so I can run through Mickey D's and buy my breakfast without being late to work
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Yoko KuramaMessage #24
01/10/08 04:30 PM Speaking of guns for protection from carjackers: There was a shooting at a McDonalds close to me earlier this week. Some guy walked up to a customer outside McDonalds and asked for money and a ride. When the guy pulled a gun, the customer took off running, but the gunman chased him and kept shooting him, hitting him four times before fleeing. Now, tell me...How will a handgun and a concealed carry permit protect you in a situation like that, or how would a tazer protect a woman who is ambushed by a carjacker while walking to her car at night?
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Mikey02Message #25
01/10/08 04:31 PM Now, tell me...How will a handgun and a concealed carry permit protect you in a situation like that, or how would a tazer protect a woman who is ambushed by a carjacker while walking to her car at night?
How will power windows help protect you?
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Tragic StoryMessage #26
01/10/08 04:35 PM You know the strange thing is, I specifically have manual windows so that if my truck lands in a body of water, I can still roll down my windows and escape once the electrical is shorted out.
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since you askedMessage #27
01/10/08 04:37 PM Now, tell me...How will a handgun and a concealed carry permit protect you in a situation like that, or how would a tazer protect a woman who is ambushed by a carjacker while walking to her car at night?
How will power windows help protect you?
HAHAHAHHAHAHAHHAHAH I'm dying over here from laughter! Maybe you could blast the perpetrator with the A/C?
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Robert26Message #28
01/10/08 04:38 PM LOL LOL LOL
Old Mark is either a car salesman or insurance salesman.
If I'm going to a electric window fight I want a hand gun every time. Response time is a lot faster
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Mudflap81Message #29
01/10/08 04:42 PM If your car does not have power locks, how do you think it would be physically possible to unlock all the doors, get everyone in the car, and lock all the doors faster than a man with a gun can run up and carjack you at gunpoint?
Now, tell me...How will a handgun and a concealed carry permit protect you in a situation like that, or how would a tazer protect a woman who is ambushed by a carjacker while walking to her car at night?
Remind me on something - how did these people get into this situation in the first place? If you're walking to your car with groceries and kids in an area when you can get robbed, why isn't a security guard with you?
And while this woman is walking to her car at night - if there is a parking lot that people get ambushed at night, WHY IS HER CAR THERE AT NIGHT?!?!?!?!?! And if she has to part there for some unknown reason, why isn't a cop there? Call your local PD! How stupid can someone be to say to themselves "I'll probably get attacked, but I'm not going to call the Police to escort me." Come on! This is what they are here for! Protect and Serve!
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Mudflap81Message #30
01/10/08 04:44 PM If I'm going to a electric window fight I want a hand gun every time. Response time is a lot faster
"He who lives by the sword......... Dies from a gunshot wound." Wait, that's not how it goes.........
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marvelousmonkeyMessage #31
01/10/08 04:44 PM I need a force field. Like the girl in The Incredibles. But with A/C.
Maybe Mark can sell me one...
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IowaSwirlMessage #32
01/10/08 04:44 PM Speaking of guns for protection from carjackers: There was a shooting at a McDonalds close to me earlier this week. Some guy walked up to a customer outside McDonalds and asked for money and a ride. When the guy pulled a gun, the customer took off running, but the gunman chased him and kept shooting him, hitting him four times before fleeing. Now, tell me...How will a handgun and a concealed carry permit protect you in a situation like that, or how would a tazer protect a woman who is ambushed by a carjacker while walking to her car at night?
Had the customer not been spending money on a non-essential such as McDonald's, this obviously wouldn't have been an issue.
If only he'd had the self defrosting mirrors, he could have seen the mugger coming...
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alinal11Message #33
01/10/08 04:45 PM I knew from the title that this post would be hilarious. Who takes financial advice from an "up-and-comer"?
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WeWillBackGowronMessage #34
01/10/08 04:45 PM ...:::"Unmaterial, it may be cheaper to buy a handgun, but a carjacker is not going to give you time to reach into the glovebox or wherever you keep the gun then turn and blow his brains out.":::...
Thats why you keep it on your person, and whenever you see someone approaching, you pull it out.
...:::"Some guy walked up to a customer outside McDonalds and asked for money and a ride. When the guy pulled a gun, the customer took off running, but the gunman chased him and kept shooting him, hitting him four times before fleeing. Now, tell me...How will a handgun and a concealed carry permit protect you in a situation like that,":::...
In the situation you described, the gunman had the benefit of being able to aim and shoot undisturbed. You DO NOT have that luxury when the person you are shooting at is ALSO shooting at you.
Midnight carjackings and McDonalds shootings... where do you live? If you are so good at saving money, you should have been able to afford a house in a better area.
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Mikey02Message #35
01/10/08 04:46 PM Maybe you could blast the perpetrator with the A/C?
Not sure, but I think the heated mirrors might be involved somehow, too. Maybe you burn the gunman with them?
BTW, haven't you ever heard, never bring electric windows to a gun fight?
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WeWillBackGowronMessage #36
01/10/08 04:46 PM ...:::"HAHAHAHHAHAHAHHAHAH I'm dying over here from laughter! Maybe you could blast the perpetrator with the A/C? ":::...
And when you blast him with the A/C, be sure to yell "FREEZE".
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Robert26Message #37
01/10/08 04:57 PM HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
This is great.
Thanks you guys I needed a good laugh.
Where's the up and comer?
Probably getting a handgun and a permit.
Screw those heated mirrors.........................HAHAHAHA................
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momOnARollMessage #38
01/10/08 04:57 PM OMG, this is the funniest post I've read in a really long time. Thanks for the good advice Mark. If a guy sticks a gun in my side when I'm putting my groceries in my car, I'll make sure to stick my tongue out and say Na Na Na, you can't get me, I have power locks. Seriously. And you call it a safety issue, that IF I'm driving with ALL of my windows down and IF a downpour starts, I'm going to have a big mess! If a downpour is about to start, I'd be pretty silly to have all my windows down, whether they were power windows or not! I also somehow manage to drive at night without electro-whatever mirrors. There's a little switch at the bottom that tilts the mirror slightly. That's always been good enough for me.
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UnmaterialMessage #39
01/10/08 04:59 PM Plus, a handgun is not going to save you if you are putting groceries into the car or walking to your car at night and someone comes up from behind you, sticks a gun in your back, and demands your keys and wallet.
I see others have mentioned this, but I must reiterate--a handgun won't save you, but POWER LOCKS will!! ZOMG!!!
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UnmaterialMessage #40
01/10/08 05:00 PM And you call it a safety issue, that IF I'm driving with ALL of my windows down and IF a downpour starts, I'm going to have a big mess!
But if you have headlight wipers like I suggested your headlights will be sparkling clean.
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GraphixMessage #41
01/10/08 05:07 PM MarkN, I really am looking forward to reading your articles in the future. I think you can really help me on my road to financial security. I don't plan on buying a new house or a new car, so my question is this. When I want to mug someone coming out from McDonalds, where do I keep my gun? And can I get chromic mirrors for my bike?
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Dc Metro CrabMessage #42
01/10/08 05:09 PM ROFL!!!!!!!! This thread has me dyingggg with LOLs!!!! Wow, I honestly hope the OP is a troll because if he really believes in what he preaches... OMG!
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DeminmaineMessage #43
01/10/08 05:11 PM Thanks folks, you got me laughing out loud after a long day.... This is great stuff.
I'm going out now to get some after market wipers for the headlights of my truck. If anyone pulls a gun I'm prepared, because I have power windows with the upgraded "safety" glass.
I'm INVINCIBLE!
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momOnARollMessage #44
01/10/08 05:11 PM I think that it should be added, that dual rear seat dvd players are a safety necessity because the kids could otherwise become bored and distract you.
And a sunroof/moonroof is definitely a safety necessity because otherwise you might not realize that a man with a gun is lying on the roof of your car.
And I guess a grocery service / personal assistant is a safety necessity because truthfully, the only way to avoid being held up while putting groceries in your car is not to put groceries in your car at all. Heck, maybe we should just ride a bike...that would lessen the chance of being car-jacked, I'm sure.
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DeminmaineMessage #45
01/10/08 05:12 PM BTW- Mark don't go away you up and comer you!
Robert26Message #46
01/10/08 05:13 PM Graph,
you can get chrome wheels for your bike, but don't get a chrome handgun, because it will be to shinny and the people at Mcdonalds will get suspicious if you look to shinny in the order line. They will stay inside until they see you ride off.
Just a small piece of uneducated advice.
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pianolvrMessage #47
01/10/08 05:13 PM There was a shooting at a McDonalds close to me earlier this week. Some guy walked up to a customer outside McDonalds and asked for money and a ride. When the guy pulled a gun, the customer took off running, but the gunman chased him and kept shooting him, hitting him four times before fleeing. Now, tell me...How will a handgun and a concealed carry permit protect you in a situation like that, or how would a tazer protect a woman who is ambushed by a carjacker while walking to her car at night?
Tell me, how do power windows and power locks help in those situations?
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momOnARollMessage #48
01/10/08 05:14 PM OHHH....I didn't know handguns came in chrome too!
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DeminmaineMessage #49
01/10/08 05:14 PM Just a small piece of uneducated advice.
Ah see if you became an up and comer, your advice would be shiny, and educated!
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Robert26Message #50
01/10/08 05:19 PM Mom
Yep and the shinier the better.................Except if your at Mcdonalds. Nothing shinny in there.......LOL.......
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marvelousmonkeyMessage #51
01/10/08 05:20 PM And a sunroof/moonroof is definitely a safety necessity because otherwise you might not realize that a man with a gun is lying on the roof of your car.
ROFLMAO!!
Maybe if you give him a French fry he will go away. Just be sure to give it to him before the A/C gets to it, because a cold fry could enrage him further. The you'd be forced to use the power locks, and we all know that isn't pretty...
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Robert26Message #52
01/10/08 05:21 PM Dem, I have been working on being a up and comer for 20 years and low and behold today is my lucky day.
I'm hoping to be shinier and more educated before I leave here today.
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UnmaterialMessage #53
01/10/08 05:23 PM Tell me, how do power windows and power locks help in those situations?
Perhaps he was thinking about the additional safety feature of programming your car to be sentient and beat up on bad guys.
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WeWillBackGowronMessage #54
01/10/08 05:24 PM Those aftermarket wipers will do a great job cleaning the carjackers blood off your headlights and mirrors too after you cap him.
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momOnARollMessage #55
01/10/08 05:24 PM OMG, I'm sure there is interesting stuff going on in other threads right now, but for some reason, Í can't tear myself away from this one.
Other threads? What other threads???
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MrsGordsMessage #56
01/10/08 05:24 PM Most people do not really need anything more in a car than all the safety features the car can hold, power windows and locks, power mirrors, heated exterior mirrors, an electro-chromic interior mirror, power-adjusting seats, and air conditioning.
And how are these safety features? I'd call all of these wants, not needs!
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Robert26Message #57
01/10/08 05:29 PM WE Will
Clorox wipes work a lot better and leave no residue. That's what I hear from experts.
They fit nicely in your glove box next to your piece.
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Lin in PAMessage #58
01/10/08 05:31 PM I read this thread awhile ago, right after Mark N. wrote it. At the time, i thought he sounded very condescending. I went to make supper and came back and there are 5 pages already on the subject. I want to thank you all for the laughs, it was great.
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momOnARollMessage #59
01/10/08 05:34 PM I can't believe we took a thread on financial do's and don't's and somehow changed it to "The best way to get car-jacker's blood off your headlights."
Great job guys!
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UnmaterialMessage #60
01/10/08 05:34 PM Yep, my first thought was he was preaching to the choir, and then I noticed the mandatory power adjustable seats. . . Hey, where's the mandatory seat warmer??
Here's some safety tips, as long as we're on the topic.
Adjust your seat before you start driving!
Adjust your mirrors before you start driving!
Don't roll down any windows that you'll want up before you stop the car!
If you're sitting in a hot parked car and dying of heat stroke, get out of the car!
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Lin in PAMessage #61
01/10/08 05:36 PM
Perhaps he was thinking about the additional safety feature of programming your car to be sentient and beat up on bad guys.
Hey, don't laugh!! I saw that they are bring the Knight Rider show back on tv this year. The new Kit is a mustang.. what show will they bring back next????They blame this one on the writer's strike...
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momOnARollMessage #62
01/10/08 05:37 PM Hey, where's the mandatory seat warmer??
You have to come up with a good reason first.
Like...Seat warmers are a safety necessity because a cold *** could seriously distract from your attention to your driving, especially in cold northern climates. Not to mention, if you did offer to give a car-jacker a ride, and his *** was cold, he might be more likely to shoot you in the head. On the other hand, if his *** was nice and toasty, then he might fall asleep, at which point, you could escape, or pull your giant chrome plated hand gun out of the glove compartment and blow him away.
Not to mention, with the AC on, you'd be so cold, you might want your seat warmers to be on also. Also, turning on the seat warmers will help dry out the seats after the downpour gets in through all the open windows. That will aleviate some of the mess.
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Robert26Message #63
01/10/08 05:53 PM This has obviously become the most popular thread of the day.
Why?
Lots of safety advice.
Warning to stay away from supermarkets with small kids and groceries
Definitely don't enter a MCdonalds with out a hand gun and a plan..........................Thanks all
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tssmithMessage #64
01/10/08 05:59 PM This guy asking for he and his uber wealthy cohorts to be taxed more, is basing his plea on the assumption that it will increase tax revenues. Does anyone (maybe the MSN author who is giving this self conscious slime ball a voice) want to check how this works historically? Or does he think we are ignorant enough to assume that higher taxes=higher tax revenues. C'mon MSN editors, you're liberal degrees say you are smarter than that...
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eastside-resident78Message #65
01/10/08 06:01 PM MarkN, which car dealership do you work at?
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momOnARollMessage #66
01/10/08 06:11 PM Just out of curiosity, does anyone know, what is the cheapest car that has:
all the safety features the car can hold, power windows and locks, power mirrors, heated exterior mirrors, an electro-chromic interior mirror, power-adjusting seats, and air conditioning.
I'm willing to bet money that it's not affordable for most people for a daily driver while keeping their expenses under half their income.
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Shandi76Message #67
01/10/08 06:16 PM ROFLMAO! This thread made my day
I wish I had something witty to add, but everyone else seems to have beaten me to it.
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Robert26Message #68
01/10/08 06:30 PM read the whole thread it will make you lol...........................
The best 6 pages on the site.........
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The JMessage #69
01/10/08 06:37 PM I've been converted.
MarkN is completely correct.
I was driving home from work. I realized I didn't have an electro-chromatic rear-view mirror. I was so distracted by the fact that I had lived without this essential safety device for most of my life, I got into a thirty car accident. Apparently, this accident took place directly in between a McDonalds and a grocery store, because eighteen carjackers with guns showed up. Because they had us surrounded, the paramedics couldn't show up. Thankfully, my power doors held them off, while my power windows were able to stop the dying people from bleeding into my car. Since I didn't have power seats, I was inconvenienced adjusting my seat while waiting for the accident to be cleared.
After everything was cleared, I continued on my way home. Then, because I don't have heated side mirrors, I again became distracted and totalled my car. Of course, now I'm going to invest in a new car. Specifically, I'm going to get a used HumVee with a .50 cal machine gun mounted on the roof. That should give me all the safety I need. Thank god MarkN opened my eyes!
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eastside-resident78Message #70
01/10/08 06:38 PM I cannot wait to read MarkN's post on today's housing market.
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momOnARollMessage #71
01/10/08 06:45 PM Lots of safety advice.
When leaving a supermarket, whatever you do, don't put groceries in your car.
One must have two handguns...a chrome plated one, because everyone needs a chrome plated one...and a not-chrome-plated one, because one cannot take chrome-plated handguns into mcDonalds or people would be scared.
If you don't have mini wiper blades on your headlights,then you must carry Clorox wipes, in order to clean car-jacker's blood off your headlights after you shoot them.
And rearview mirrors that are not electro-magnetic should not be used at night.
.50 Cal Machine guns on the hoods of cars are great at foiling carjackers...but are most inconvenient to carry into the McDonalds with you.
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Robert26Message #72
01/10/08 06:46 PM I can't wait for the up and coming take on identity theft..........lol
you guys are so funnyyyyyyyyyyyyyyyyyyyy.
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alinal11Message #73
01/10/08 06:47 PM Just out of curiosity, does anyone know, what is the cheapest car that has:
all the safety features the car can hold, power windows and locks, power mirrors, heated exterior mirrors, an electro-chromic interior mirror, power-adjusting seats, and air conditioning.
I hate to admit it, but my Taurus has all of these. It was about $17,000 4 years ago. I never wanted the heated mirrors, electro-chromic mirror, or power adjusting seats, but they came with the engine upgrade, I think. And my moon roof was free - I guess they had too many models at the dealership with moon roofs - I couldn't get one without it.
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momOnARollMessage #74
01/10/08 06:47 PM The J, make sure that the Hummer and the machine gun both have payments that allow all of your bills to come to no more than 50% of your take home pay.
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Robert26Message #75
01/10/08 06:49 PM Please read the entire thread it is a riot.........................Don't leave home without it...
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laterbloomerMessage #76
01/10/08 06:56 PM Bad, bad posters! *wagging finger* Funny as all get out, but bad, bad posters
laterbloomer - moderator still LMAO
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CRONEWITCHMessage #77
01/10/08 07:13 PM Note: most of us are old enough to remember cars before there were power anything. People managed to get by, somehow. Please don't leave your children in the car, even if you have A/C.
My brother and his wife were at the casino for a few hours and he told his wife they should go because they left the kids in the car. The dealer asked how old the kids were and he said 35 and 37. I hope he had air conditioning so they didn't die.
My truck air conditioner has been broken a year so far no problem, good thing I got power windows so I can roll them up when the wind messes my hair. It would be impossible to go back 10 years to when I didn't have necessities like power windows, key less entry, mirrors that adjusted from inside the truck. So far I have been lucky with the hail damage I haven't ever known anyone to have any and didn't know you needed special insurance for it. I haven't had full coverage for most of the years I have had my 11 year old truck.
Good thing you came along to educate us on what we need.
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btvsrcksMessage #78
01/10/08 07:32 PM I have a message for markN. I think he needs to move. Nobody has ever been carjacked where I live, nor in the surrounding areas. If it is such a problem where he is (that everyone needs these items) I am surprised people are still living there.
Or maybe that was the only place he could afford a house big enough for his future family.
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momOnARollMessage #79
01/10/08 07:35 PM Big enough for his future family, and his exorbitant car, and the crazy insurance (must be crazy due to all the car jackings), all without exceeding half his income. He must live seriously in the hood.
Here's a thought: Drive a cheap, $500, piece of **** car, and the car jackers will bypass you and go for the person next to you with the jaguar.
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CRONEWITCHMessage #80
01/10/08 08:08 PM Here's a thought: Drive a cheap, $500, piece of **** car, and the car jackers will bypass you and go for the person next to you with the jaguar.
Great idea and if it gets hail damage you could shoot bullets into the holes so you look like you are in a gang.
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SantaClausDelrayBeachMessage #81
01/10/08 08:26 PM One major rule of thumb: Calculate the total monthly cost of food, gas, utilities, TV and phone service, insurance, and mortgage and car payments, then subtract that number from your monthly income. Your monthly income should be no less than twice the total monthly payments you make on bills.
Been playing the game for awhile, and I've never heard of this "rule of thumb" At the very least you should simplify the statement "no less than twice the total monthly payments you make on bills"? How about don't spend anymore than half your income on bills. What do you do with the other 50%? And what's included in "bills"? Again, never heard this before.
And, "all the safety features a car can hold" plus "power windows and locks, power mirrors, heated exterior mirrors, an electro-chromic interior mirror, power-adjusting seats, and air conditioning" can come to a pretty penny. Why not spring for another $2,500 bucks and get the moon roof and the navigation?
I can't keep it together enough to respond to your house advice.
I often wonder what rock some of these new posters crawl out from under. Good for a laugh, I guess.
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SantaClausDelrayBeachMessage #82
01/10/08 08:28 PM The OP is DRUNK!
Another example of PUI: Posting under the influence. Speaking of which, I'm going back for another beer before I read all the responses.
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SantaClausDelrayBeachMessage #83
01/10/08 08:34 PM Heated mirrors are a necessity. So are those tiny windshield wipers I used to see on some Mercedes' headlights.
This is my new favorite thread.
One major rule of thumb: The beer you buy should contain ONLY Water, Barley, Malt, Yeast, Hops. Any other ingredients are NOT necessities (or wants).
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mileeMessage #84
01/10/08 08:46 PM Here's a thought: Drive a cheap, $500, piece of **** car, and the car jackers will bypass you and go for the person next to you with the jaguar.
Does anybody remember that old Saturday Night Live sketch with the fake commercial for the special car to fool thieves? It was super luxurious on the inside, but the outside looked like an old Lincoln with one door painted a different color and a coat hanger for the antenna.
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sweet.nothingsMessage #85
01/10/08 08:50 PM Just out of curiosity, does anyone know, what is the cheapest car that has:
all the safety features the car can hold, power windows and locks, power mirrors, heated exterior mirrors, an electro-chromic interior mirror, power-adjusting seats, and air conditioning.
I'm willing to bet money that it's not affordable for most people for a daily driver while keeping their expenses under half their income
I'd be willing to bet its not the $2500 car from India.
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NightOwl_10Message #86
01/10/08 09:21 PM
A true confession.....are you ready for this???
I drive an old car with windows that must be open and closed manually. (yes, it's true ~sniffle~)
I have basic cable and no cell phone. I am thinking of selling my story of suffering and deprivation to the networks who will surely marvel that there are Americans living like this in todays world.
A side note....eating at McDonalds is risky even without the car jackers! (ie...fat and grease!)
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SantaClausDelrayBeachMessage #87
01/10/08 09:22 PM I hate to spoil this discussion by addressing the substance of the OP-- but I live in CHICAGO! for crying out loud and I have never had heated mirrors. Ice scraper works just fine.
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SantaClausDelrayBeachMessage #88
01/10/08 09:26 PM I can't believe we took a thread on financial do's and don't's and somehow changed it to "The best way to get car-jacker's blood off your headlights."
I'd actually be more interested in good legal representation after a car jacking- and how to get high velocity blood spatter out of the carpet and my clothing.
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DemnmaineMessage #89
01/10/08 10:38 PM I have never had heated mirrors.
Neither had I. But my new truck came with them, and when you are plowing in a storm they are awesome. Oh the extravagance.....
What's even worse, this thread was so funny I checked back in before bed. Nite all
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Alley_CatMessage #90
01/10/08 10:57 PM I don't remember the last time I had to scrape my side mirrors. And it was -10 wind chill here just last week.
Guess I must be a crazy unsafe driver with no concern for the safety of my kids or anyone else on the road. My poor 9 year old, 70k mileage Prizm that cost me a whole $10k brand new has no power locks, power seat, power windows, power mirrors...actually the only thing automatic on that car is the transmission lol. I thought ABS and daytime running lights made the safety list but guess not. I need to tell Geico to cancel my discount and tell them that they are not safety features.
Silly me going thru the hassle of adjusting mirrors before I get on the road. I didn't know it was safer to take my eyes off the interstate traffic in front of me to adjust my side mirriors at 65mph!
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WeWillBackGowronMessage #91
01/11/08 09:46 AM One of my friends uses the heated seats in his car to keep pizzas warm when he brings them home. Power windows would also prevent blood from getting on your pizza, and power seats would make it easy to move the pizza so you could stuff a slice while waiting at a red light.
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UnmaterialMessage #92
01/11/08 10:22 AM My cheap car has power locks, driver and passenger airbags, and antilock brakes. Manual seats, manual windows, manual mirrors (unheated!!), plain old rear-view mirror. Our newer car has power locks, driver and passenger airbags, power windows, an electrochromic mirror, power mirrors, a light sensor to automatically turn the headlights on, a thermometer that flashes ICE! at me when it might be icy, and a compass (how could he leave that off the list?!) It does not have antilock brakes, although I'm not sure why.
In my next car I want side-curtain airbags (something that really should have made the list and didn't!), although I'm willing to forego the heated mirrors.
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momOnARollMessage #93
01/11/08 12:42 PM and a compass (how could he leave that off the list?!)
Of course a compass is a safety necessity. Once you pick up the carjacker, if he were to tell you to drive south (towards Mexico) how else will you be able to tell which direction is south? You do not want to anger the carjacker by driving the wrong direction...at least not until your lovely heated seats have had a chance to lull him to sleep. Better yet, GPS is probably a definite safety necessity. Especially if one plans to frequent shady places such as grocery stores and McDonalds.
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DeminmaineMessage #94
01/11/08 12:54 PM You know the strange thing is, I specifically have manual windows so that if my truck lands in a body of water, I can still roll down my windows and escape once the electrical is shorted out.
On the surface of it (no pun intended...) this may seem like a very sensible plan. However you are forgetting about the very real possibility of an armed carjacker in scuba gear lurking at the bottom of the lake or pond. Without those power windows you are really just a sitting duck! (no pun intended....)
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SantaClausDelrayBeachMessage #95
01/11/08 01:00 PM Plus, a handgun is not going to save you if you are putting groceries into the car or walking to your car at night and someone comes up from behind you, sticks a gun in your back, and demands your keys and wallet. The moment you turn to attack, you're dead.
The thought that you may be carrying a weapon is a criminal's greatest fear. It may seem impractical in theory that you could use it effectively, but they will not take that chance. I proudly display an NRA sticker on the back driver's side window of our cars.
I always invite people who don't like guns, don't think they work, or are in favor of "gun control" laws to proudly display a "Gun Free Zone" sticker.
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DeminmaineMessage #96
01/11/08 01:08 PM I'm not an NRA member, but your logic makes sense WCP.
Conversely, I've always been amused by people who put "Brake for Hallucinations" or "Moosehead U" bumperstickers on their vehicles were being less than clever.
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Daisy113Message #97
01/11/08 01:41 PM MarkN, I understand that in addition to the neighborhood McDonalds being overrun with carjackers lurking in the bushes, my local Walmart has recently become similarly infested with ruthless (if better-looking) criminals, who will also attempt to rob me as I am loading my car. Since I haven't yet had a chance to run out and purchase my chrome-plated handgun, what automotive safety features do you suggest?
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momOnARollMessage #98
01/11/08 02:10 PM Probably the best critical safety feature to have in the Walmart situation, is child safety locks on the doors...the ones where once they close, you can't open them from the inside. Better put them on the front doors too, just to be safe. That way, once the good-looking criminals realize you only have monopoly money in your wallet, they won't be able to get out of the car and end the fun.
The power windows would also help on such a car, because with the child safety locks on the front doors, one would need to roll down the window to open the door from the outside. Having to crank a knob when doing this, could cause severe shoulder injuries, and should be avoided at all costs.
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nersMessage #99
01/14/08 05:05 PM If you had manual windows you could roll the window up on the car jackers arm. Power window just stop when they hit resistance.
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Robert26Message #100
01/14/08 05:48 PM If you roll their arm up in the window and drive off it is easier for the cops to identify them. they will have skid marks on there knees, face, shoulders, back. It happened here just a couple weeks ago.
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MadeitMessage #101
01/15/08 10:17 AM Bulletin to all posters...
Please be advised that MarkN is in an emergency therapy session at the moment due to your callous (but very funny) responses. It is rumored that he will eventually appear with a new disorder (Thread Abuse) on Oprah, and then Dr. Phil, who will advise him to buy and read his book. If this works out well he will add some depth to the Suzi Ortman financial advice program.
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InternetMomMessage #102
01/15/08 11:24 AM Oh my, my stripped down Ford Focus without power anything will probably take offense to this post. But I did splurge on air conditioning. Hail insurance a necessity? I don't think so...
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KisKisMessage #103
01/15/08 11:30 AM If you had manual windows you could roll the window up on the car jackers arm. Power window just stop when they hit resistance.
Also, if you somehow end up trapped in your car in a body of water, power windows mean certain death. My husband convinced me to hold off on getting my manual windows replaced by playing on my fear of drowning, which is a distinct possibility because I am a terrible driver and I live on an island.
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Momma SniderMessage #104
01/15/08 11:48 AM OPs basic post was good advice, though: don't confuse wants with needs when you buy a new car, and look at the secondary costs of owning a home, not just the payment. He just went into too much detail.
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User586Message #105
01/15/08 12:01 PM Yes, it is hilarious. The new guy, Mark, with his lack of "credentials" had the nerve to post something in this chat room (er - money forum) to provide plenty of laughs for the regulars.
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momOnARollMessage #106
01/15/08 12:06 PM We probably were needlessly critical, so I appologize MarkN. Feel free to post more often, just maybe don't try to give advice for awhile. Thanks for the laughs though. This was one of the best threads ever.
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HersheyKissed07Message #107
02/17/08 05:52 PM Remind me on something - how did these people get into this situation in the first place? If you're walking to your car with groceries and kids in an area when you can get robbed, why isn't a security guard with you?
And while this woman is walking to her car at night - if there is a parking lot that people get ambushed at night, WHY IS HER CAR THERE AT NIGHT?!?!?!?!?! And if she has to part there for some unknown reason, why isn't a cop there? Call your local PD! How stupid can someone be to say to themselves "I'll probably get attacked, but I'm not going to call the Police to escort me." Come on! This is what they are here for! Protect and Serve!
At the risk of being roasted, I have to say that there are plenty of places where you can get robbed even if you think you are safe. That is why you have to be aware of your surroundings.
My mother once was robbed while she was in a busy crowded shopping center. They had security guards on patrol too. The guard got a description of the robber, the accomplish (waiting in the getaway car), the license plate number, car description. They were never arrested. Cops paid a visit to their home and that was it. In fact, later the police asked her to sign a form saying that she wouldn't press charges.
And I've heard of robberies occurring in broad daylight, so sometimes you may think you're safe, but you never know.
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newleafMessage #108
02/18/08 10:23 AM Personally, I consider my "trunk Monkey" a necessity!! He can handle ALL of situations previously mentioned in this thread AS WELL as some you have not even thought of yet!!
see here to get your own.
www.trunkmonkeyad.com/index.htm This does require a trunk release button on the inside of your car and on your key fob (in case of robbers in the parking lot) You should probably get the A/C so your monkey doesn't over heat in there, too.
Obviously, the OP does NOT work for suburban auto group or he would have had some very different advice for us all.
I'm not sure, but maybe you could get him a permit to carry your shiny gun, then you won't have to worry about a lawsuit when you shoot the robber and his family sues you - just blame the monkey!!!!!
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cpstlMessage #109
02/18/08 10:30 AM Most people do not really need anything more in a car than all the safety features the car can hold, power windows and locks, power mirrors, heated exterior mirrors, an electro-chromic interior mirror, power-adjusting seats, and air conditioning.
LOL #1 - I thought you said to buy a CHEAP car ...
LOL #2 - I thought you said buy a basic, safe car. Power mirrors, heated mirrors, power locks, power windows, and power seats are nothing more than EXPENSIVE, GAS-GUZZLING, FLUFF. My car doesn't have these things, and I don't miss them at all.
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NorEasterSWMessage #110
02/18/08 11:24 AM Heated exterior mirrors are needs for those who live in areas that get hit with snow and ice
Dude...I live in the snowiest city in North America (well, maybe not this year if the snow gods are in our favor) and seriously...heated mirrors are a WANT. I don't have heated mirrors...and I can't say I've ever lamented the fact that I do not. It's called a mini-ice scraper.
OK. Power locks...I kinda see your point, but you are missing the fact that the window can be broken by A. the butt of the gun and B. a bullet going through glass. So....kinda cancels your whole "get the people in the car fast" thing out. You are much better off taking the keys, throwing them across the parking lot, and booking it in the other direction of your car jacker.
How will a handgun and a concealed carry permit protect you in a situation like that,
Uh...you are being shot at, you pull your gun and shoot back, well.......might dissuade the guy a little as opposed to innocent person with no defense mechanism. Most criminals are wimps. They prey on the helpless.
I didn't know handguns came in chrome too!
Yes! And even gold plated with engraving! AND you can get pink grips...or if you prefer the Glock variety, purple polymer frames!!!!!!!!!!!!! You have the money, you would be AMAZED at the options out there. Hmm...now do you think engraving on your gun is a "need" or a "want?" I say a need because if you loose it in a gun battle there will be no question as to what is yours when you scramble to get it back...
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VA LadyMessage #111
02/18/08 11:44 AM Hi Mark,
Thank you for your information. You sound quite financially philosophical. However, your suggestions are easier said than done. Do you have a family, what is your occupation and do you reside in a HCOL or LCOL area? What do you say to those honest, hardworking families that are struggling to make mortgage payments (small home), utility payments, credit card payments and car payments (no frills vehicle).
I believe your suggestions are good however they only scratch the surface to resolve financial issues. And by the way I don't need power doors, power locks etc. because I choose not to even own a car .
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UnmaterialMessage #112
02/18/08 11:50 AM Hmm...now do you think engraving on your gun is a "need" or a "want?" I say a need because if you loose it in a gun battle there will be no question as to what is yours when you scramble to get it back...
Definitely a need. I also find laser sights are an important "need" as a safety feature for handguns. When the bad guy sees that painted on his chest, he will certainly fling himself face-down on the pavement. Then your trunk monkey can handcuff him.
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bEEntheredonethatgotthetEEshirtCaviaMessage #113
02/18/08 12:51 PM This is why I take the bus. No one tries to jack the big yellow limo and I can eat my BigMac in peace. Cavia
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Lin in PAMessage #114
02/18/08 01:19 PM We watched the new Knight Rider last night. I know of a new "necessity". I cant believe that the new cars can't change color to hide from the criminals and the car jackers. You could change your beautiful blue car into a purple one. After all, who would want to car jack a purple car?
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TryinHard and starting to make a little headwayMessage #115
02/18/08 01:47 PM OK... this was a great post and made me laugh for the first time in days.
The first time my son was in a car with manual windows he was thrilled and wanted to know why everyone didn't pay extra to have these great window roller uppers?!? My son was probably about 6yrs old when he made this amazing discovery. Poor kid... when he gets older he will have no idea why he is obsessed with manual window roller uppers or that it is an immense safety hazard in the event of a car-jacker or immediate rainstorm. He will be doomed.
I also had a manual transmission... I can't beleive I managed to survive.
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KisKisMessage #116
02/18/08 01:52 PM Poor kid... when he gets older he will have no idea why he is obsessed with manual window roller uppers or that it is an immense safety hazard in the event of a car-jacker or immediate rainstorm. He will be doomed.
But power windows are also a safety hazard. If you crash into a lake, you'll drown for sure without manual windows! He's doomed either way.
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Carlav02Message #117
02/18/08 02:04 PM Hey Mark, thanks for appraising Junior the Third's car for him. He is very glad to know that he can trust you.
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strodeMessage #118
02/18/08 08:13 PM I have had some great laughs in my 72 years, and this thread has been one of them. Some of you posters missed your calling--can you say comedian?
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misslilianeMessage #119
02/18/08 08:50 PM How did I miss this thread the first time?
BEST THREAD EVER!
Definitely what I needed after a crappy Monday at work.
