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Stories from the Sales Frontlines

48056 messages,  Last post on Dec 04, 2009 at 6:16 AM

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What is this discussion about? Car Buying


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#20216 of 48056
Re: Two in a row [snakeweasel] by dino001
Oct 28, 2007 (8:21 am)
Reply

Replying to: snakeweasel (Oct 27, 2007 12:13 pm)

But if you have the same five credit cards with 10K-15K limit each (after five-ten years of being good customer it's quite easy even with not very high incomes) plus a few store cards you acquired to take advantage of zero percent offers when purchasing fridge or furniture, and you paid everything off or owe total of 2-3 grand, closing those store cards and even one or two major will have a minimal impact on the score, especially if you have plenty of other good credit history, like car loans and mortgage all paid on time for years. Too much credit available (in relation to income) is also a score detractor, as it can be seen as "potential" liability. There can be such a thing as too much available revolving credit - even if not used.
 
Outside of paying on time and credit length (which by the way are two largest components), other factors of the score are not absolute - they all depend on context and the advise should be more individualized based on those personal factors. I just wanted to clear that up, so nobody thinks their credit will go to ruins if they close that Circuit City or Home Depot card so they can't get a car loan now even though they have never been late in their life, they have 20K of other revolving credit available and unused, they paid off three car loas already and ten years of mortgage history.
#20217 of 48056
Re: Awesome movie! [mackabee] by richard64
Oct 28, 2007 (8:33 am)
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Replying to: mackabee (Oct 28, 2007 7:36 am)

Two sources for the movie cars: Private collectors and museums. You can rent your vintage automobile to the movie studio for quite a nice sum. Back in the '90's Hollywood began making some of their movies in Wilmington, NC so as to have an East Coast location. I have known a few people who have rented their old cars to them. Also, some people in Wilmington have rented out their old homes to the studio. They made enough money to make home improvements---or maintain their vintage automobiles.
#20218 of 48056
Re: What kind of car is this? [joel0622] by benderofbows
Oct 28, 2007 (8:37 am)
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Replying to: joel0622 (Oct 27, 2007 5:39 pm)

There have been all kinds of funny stories made up about that picture, but according to Snopes.com this is the real deal.
 
"This picture actually captures the aftermath of a July 2005 accident in Fort Smith, Arkansas, the result of a teenage driver who was distracted by a cell phone and ran his Ford F-150 pickup off the road, sending the vehicle airborne and launching it into a garage, where it came to rest atop a Ferrari:
 
Lasure, Sara. "Ferrari Flattened by Pickup Truck." KFSM-TV [Ft. Smith - Fayetteville]. 7 Aug 2005.
 
"A Fort Smith family had their home remodeled, unintentionally, after a pickup truck landed in their garage on top of a 2000 Ferrari.
 
The accident happened just before four Sunday evening on Jenny Lind Road in Fiona Hills. According to the police report, the teenage driver reached for a cell phone and ran off the road and became airborne. He caused about two hundred thousand dollars worth of damage to the garage, the Ferrari, a PT Cruiser as well as 2 motorcycles.
 
The speed limit is posted at 30 miles per hour, but the owner of the damaged home as well as neighbors say there have been plenty of problems in the past. It's been nonstop traffic for the neighborhood with a steady stream of cars driving by to get a view of a flattened Ferrari and devastated garage.
 
Owner Steve Marts wasn't home at the time of the accident, but got the bad news over the phone. "I was just numb, just real numb," Marts said."
#20219 of 48056
Re: #1000 [mackabee] by richard64
Oct 28, 2007 (8:48 am)
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Replying to: mackabee (Oct 27, 2007 6:48 pm)

I'll have to give up on Joel. What do you do with a boy from Nashville who uses "thar" to indicate a place? We'll excuse him and chalk it up to "local color" in language useage. Wish I knew where jmonroe lives. Wonder what his excuse is?
#20221 of 48056
Re: Two in a row [dino001] by snakeweasel
Oct 28, 2007 (9:14 am)
Reply

Replying to: dino001 (Oct 28, 2007 8:21 am)

OK I cannot say this enough part of your credit score is how much of your available credit is used percentage wise. Close a credit card and your percentage goes up and negatively effects your rating. It may have a very small effect but could take you from a 720 to a 700 rating.
 
This is not to say if you open an account to take advantage of a special deal that you have to keep it open. Just that long standing accounts should be kept open and used every now and again.
#20222 of 48056
Re: #1000 [richard64] by snakeweasel
Oct 28, 2007 (9:16 am)
Reply

Replying to: richard64 (Oct 28, 2007 8:48 am)

What do you do with a boy from Nashville who uses "thar" to indicate a place?
 
Ask him how much they charge for the moonshine at that thar place.
 
Ducking and running
#20223 of 48056
Re: What kind of car is this? [benderofbows] by mackabee
Oct 28, 2007 (9:24 am)
Reply

Replying to: benderofbows (Oct 28, 2007 8:37 am)

Women are always blamed for accidents, being bad drivers, etc,etc,.. This of course is a stereo typical myth started by males. My mom God rest her soul was one of the safest drivers I've known. She saved both our lives when we were driving home one Sunday night on hwy 28 in New Mexico. It was night time and two vehicles were coming straight at us. It was obvious they were racing. I remember my mom telling me to hold on tight as we see the headlights getting closer. She swerved to the right and we narrowly missed a head on collision. I was about 11 or 12 but will never forget it.
Cell phone usage while driving is worse than intoxicated drivers. I avoid at all costs answering my cell phone while driving. I pull off the road or street if it's a family member calling. Little Mackabee ran into a curb one night and didn't tell me. He came home and said his Corolla was acting kinda funny I said to him "What's it doing? Telling jokes or something?" It just doesn't feel right, it wobbles and shakes. So I took it out in the neighborhood and right away I could tell what was wrong. The alignment was way out of whack. I came back and asked him if he hit a curb or something since he's famous around here for doing that. He looked at me and said "Yes" "Let me guess, you were on the cell phone." "No, I was reaching for it, it fell to the floor on the passenger side." he replied. "What did I tell you about using your phone while driving?!" Silence. So anyway, that little incident ended up costing two new tires and wheels for the passenger side plus a four wheel alignment. He learned his lesson.
 
 Mackabee
#20224 of 48056
Re: #1000 [jmonroe] by oldfarmer50
Oct 28, 2007 (9:25 am)
Reply

Replying to: jmonroe (Oct 27, 2007 6:26 pm)

"... Especially porno sites that don't work..."
 
Damn that guy. six hours wasted. Just like a car salesman to lead you on.
#20225 of 48056
Re: night, [mackabee] by oldfarmer50
Oct 28, 2007 (9:29 am)
Reply

Replying to: mackabee (Oct 27, 2007 7:11 pm)

Are those pictures of Mack's fellow salespeople? I might buy from the one in the middle, but the rest look kinda...funny.

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