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  1. #1
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    Default Looking at New Trucks

    I've been shopping for a new truck and have decided on returning to the Ford family. Been driving a Toyota and it's been a great truck. Ten years old, no rust and the only things replaced have been tires and a battery. My opinion of trucks and snowmobiles remains the same, they're all good, you get what you pay for, and you should drive or ride whatever makes you happy. Now, I don't hang around showrooms and yak with the sales guys very often, in fact seldom, I don't pay much attention to what's out there. So I was surprised to see first hand the new Mustang SUV. It's all electric and is as fast as it's gasoline competitors. It'll take you 300 miles or a long extension cord before recharging. Not my cup o' tea but thought it worthwhile to share a link. It's kinda cool!

  2. #2
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    Yeah, it seems all the manufacturers are getting in on the electric game.

    GM has a new Hummer-EV that has some ridiculous amount of torque and some pretty neat features.

    Not my cup of tea yet either.

    https://www.gmc.com/electric-truck/hummer-ev

  3. #3
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    Quote Originally Posted by gary_in_neenah View Post
    I've been shopping for a new truck and have decided on returning to the Ford family. Been driving a Toyota and it's been a great truck. Ten years old, no rust and the only things replaced have been tires and a battery. My opinion of trucks and snowmobiles remains the same, they're all good, you get what you pay for, and you should drive or ride whatever makes you happy.

    Now, I don't hang around showrooms and yak with the sales guys very often, in fact seldom, I don't pay much attention to what's out there. So I was surprised to see first hand the new Mustang SUV. It's all electric and is as fast as it's gasoline competitors. It'll take you 300 miles or a long extension cord before recharging. Not my cup o' tea but thought it worthwhile to share a link. It's kinda cool!

    Electric motive power is here, and will continue to rapidly expand.

  4. #4
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    If you want shear power and torque you can’t beat electric motors that’s what trains are big Diesel engines powering generators to supply power to electric motors. Biggest problem has always been battery life for electric automobiles and it seems they are getting closer.

  5. #5
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    2014 Ram gonna have to be replaced pretty soon...231K but still reliable....not in a huge hurry to get something but will start looking....I like just a basic truck...I dont need anything fancy...seems like those have gone by the wayside...Truck now is a 6 foot bed...want 8 on the next one...regular cab fine but from what ive heard Ram doesnt make the regular cab anymore? May end up back with Ford?

  6. #6
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    I think shopping for anything right now is crazy.  Prices are way up.  Inventory way down.  Govt keeps handing people money to spend they don't deserve.  1/2 ton trucks over 50k base model...  Nuts.  What isn't though I guess.  Oh and def not a mopar guy but this one always cracks me up.https://forum.johndee.com/vbulletin/...833&stc=1" attachmentid="62833" alt="" id="vbattach_62833" class="previewthumb">

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    ^^^^ Lmao!!....Awesome!

  8. #8
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    Haha! Slim, that’s hilarious!

    I have no doubt that you know way more about the auto industry than I ever will, But I personally think the auto makers are taking advantage of the situation and will just establish these prices as their new “base”.

    No doubt a sale will come around, but who knows when. Gary, this is just my opinion, but I say go for it! Sitting around, waiting for that 5-7% break in price is a waste of time. I have stared down the grim reaper 10 times so far in my life and made the SOB blink every time. So I think I know a thing or two about what matters in life and what doesn’t. I also personally know two fellas that packed it away their whole lives and died with millions in the bank.

    I have no doubt that you are great at managing your money, so do what makes you happy. We only get so many trips around the sun and most never know when their ride is over.
    Last edited by Administrator; 03-16-2021 at 06:41 PM. Reason: Beating Nash to the punch!

  9. #9
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    Default

    Hoping to order a new truck soon too. Supply chain disruptions looking like 12-16 week wait minimum for Ford F150.

  10. #10
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    Quote Originally Posted by Administrator View Post
    Haha! Slim, that’s hilarious!

    I have no doubt that you know way more about the auto industry than I ever will, But I personally think the auto makers are taking advantage of the situation and will just establish these prices as their new “base”.

    No
    I am affrade every industry is going to do this . I am thinking the new norm will be 30 bucks for osb and 7 for a 2x4.
    20k for sleds and 50k for work trucks

  11. #11
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    30 for osb is a steal

  12. #12
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    Gary, exactly one year ago as the lockdown took its grip I got a new F150. The old F350 diesel as a grocery getter and only seeing towing a smaller snowmobile trailer cemented our thoughts. I went with the naturally aspirated 5.0. Not a fan of the turbo gassers and the 5.0 has been around a long time. Good luck.

  13. #13
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    Gary, not sure if you know but if you want hassle free pricing you can join Eaa for $40 and receive X plan pricing.
    Usually you can beat that thru negotiating but with supply tight not sure that's possible now.
    I know the big B in Neenah has "up front pricing" but haven't visited them to see what they're discounting them. I'll probably give Stumpf first chance.

  14. #14
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    Quote Originally Posted by eagle1 View Post
    Hoping to order a new truck soon too. Supply chain disruptions looking like 12-16 week wait minimum for Ford F150.
    That's pretty much the normal time for spec'ing out, and ordering a F 150 to your wants and likes.

  15. #15
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    Quote Originally Posted by heckler56 View Post
    Gary, exactly one year ago as the lockdown took its grip I got a new F150. The old F350 diesel as a grocery getter and only seeing towing a smaller snowmobile trailer cemented our thoughts. I went with the naturally aspirated 5.0. Not a fan of the turbo gassers and the 5.0 has been around a long time. Good luck.
    I have just over 180k on my 11 5.0 work truck . I have abused it bad and to date no major issues at all . Few of the chitty speed connectors they use on trany and water lines electronics ie heater relays like 3 and radio screen and electric power steering . That's it . And again I abuse and neglect that truck real bad lol . Not saying it is not a rusted out pile now but that is not a issue on newer ford's. Oh on 3rd tailgate those are glued together junk . But again I overload all the time like axel running on the rubber snuber

  16. #16
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    Thought it was usually closer to 6- 8 weeks. What I need to find out is I heard max tow axle is constricted right now.





    Snapchat-971958316.jpg

  17. #17
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    Quote Originally Posted by eagle1 View Post
    Gary, not sure if you know but if you want hassle free pricing you can join Eaa for $40 and receive X plan pricing.
    Neenah has "up front pricing" but haven't visited them to see what they're discounting them. I'll probably give Stumpf first chance.
    Thanks for the tip, Eagle. Looks like the Fly-In is a Go for this year. The "up front pricing" is pretty much what it states. The sales staff is salaried instead of commission. And the price posted is usually what you would end up with after all the drama of haggling anyway so it saves you time. They still have discounts for various things so that helps keep the prices realistic. (if there is such a thing) Yes, inventories are tight, trucks are selling like crazy right now and to order one it takes 2 - 3 months for delivery.

    I always found that haggling thing an annoyance. You play the high-low game and meet in the middle. Those are hours and minutes you'll never get back.

  18. #18

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    I've been looking to upgrade/downsize my 2001 F350 Super Duty Dually. I loved that truck, but just really too big for what I need now, and I only put 20K on it in the 6 years I owned it. It was in mint condition, listed it for a couple thousand more than I thought I'd get for it, and should have listed it for a couple of thousand over that. Sold it in a couple days with people lined up to buy it.

    I had my heart set on a gently used Tundra, or maybe a new unit. The used prices were crazy, and couldn't find exactly what I wanted. Local Toyota dealer had exactly the unit I wanted new, MSRP at $47K. They would not budge on MSRP, but I was still interested. I took it for a test drive, and was absolutely not impressed with the ride quality at all. I wanted to love that truck, and I didn't. It was loud, clunky, and shifted clunky. Sweet power, great V8 noises, and really loved the way it looks.

    So, I shifted my sights on a Ram, test drove a new 2021, and bought one that day (yesterday). I got a significantly better optioned model than the Tundra, and with $3500 in rebates and a better deal on the car I traded, I paid slightly more than the Tundra's price.

    No offense to Tundra owners, but when I was test driving the Ram, I thought to myself..."who the french would buy a Tundra if they test drove one of these?" Oh, and the Ram I test drove was not the unit I purchased. It was the "classic" model, comparably optioned to the Tundra, and $7000 less than the Tundra. I went with a Big Horn model.

  19. #19
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    Quote Originally Posted by ezra View Post
    I am affrade every industry is going to do this . I am thinking the new norm will be 30 bucks for osb and 7 for a 2x4.
    20k for sleds and 50k for work trucks
    ezra..you couldn't be more correct, my opinion...as American's we are being bent over, taken advantage of. Get out your industrial tube of KY because it wont be getting any better any time soon. prices going up stupidly in my business too.

  20. #20
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    Quote Originally Posted by old abe View Post
    Electric motive power is here, and will continue to rapidly expand.
    Right up to the point where the entire electric grid cannot keep up with the demand...and several states, TX & CA for example, are there already



  21. #21
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    Just had a guy come in and buy a skid steer attachment.  It was 6K.  He through 6k cash on my desk and said "I need to get rid of this **** before its worth nothing"....   I think that is a lot of why things seem so expensive.  Your dollar just doesn't buy as much as it used to.  Just priced a new F-150 XLT and sticker was $55,000.  Crazy.  

  22. #22
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    Quote Originally Posted by slimcake View Post
    Just had a guy come in and buy a skid steer attachment.  It was 6K.  He through 6k cash on my desk and said "I need to get rid of this **** before its worth nothing"....   I think that is a lot of why things seem so expensive.  Your dollar just doesn't buy as much as it used to.  Just priced a new F-150 XLT and sticker was $55,000.  Crazy.  

    IMO< its a generation thing,  there was once a time when folks only used credit  to buy things in a  pinch, credit cards were for emergency's of sorts!

     Now a day's folks with the never ending need to have everything NOW< think nothing of financing there lives away, no fear of never ending payments!
    which in turn just keeps driving the prices of everything up up up
     as if OEM's know folks will PAY more they will keep charging more and more!
     and IMO, its a shame,
     as it is making many thing un affordable  to the average person trying to stay out of debt!
     add in most vehicles don't even last that long in the salt belt due to rust issue's, its even worse
    ( and I  currently have a 60 k truck going in for 10+grand worth of rust repair in 3 weeks,  its just  5 ys old now, but started rusting away at 3 yrs old /, took 2 yrs for warranty to step up,    lucky for me , its being covered under warranty, but almost wasn't!, took me 2 yrs of non stop pushing the issue which has been a pain to deal with!)

    SO, IMO< and first hand experience,  quality on vehicles hasn't gained as much as price tags have! there just  made with more gadgets now to appease the tech minded generations we have now!
    where driving seems to be more of an inconvenience to theme, than a skill to learn!
     they want auto drive, auto braking, .auto park,  auto stay in your lane< auto speed control, 
    just want to push a button for everything but paying attention!

    this  Corona virus doesn't hold a candle to the deaths of BAD drivers out there  and as vehicles get smarter,  sadly drivers seem to be getting dumber LOL






  23. #23
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    Just read this morning that the cost of lumber is high because of demand here in the states and no imports from Canada. Since the Covid Crisis began they stopped shipping their lumber to the U.S. Guess that pesky virus can travel on the trains now so they can't risk it. (insert sarcastic remarks here regarding border security) As for trucks...dothedo mentioned the difference in the ride between the Toyota and Dodge. Beware of any reference to "Off Road" with the Toyota products. It's going to be a stiffer ride. Toyota makes a fine truck, mine lasted me 10 years trouble-free, no rust, and they sold her within 48 hours of the trade. But as I posted before, they all make a good trucks. Find one you like then brace yourself for the Sticker Shock! My idiot neighbor just bought one of these....

  24. #24
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    Quote Originally Posted by slimcake View Post
    Just had a guy come in and buy a skid steer attachment.* It was 6K.* He through 6k cash on my desk and said "I need to get rid of this **** before its worth nothing"....* *I think that is a lot of why things seem so expensive.* Your dollar just doesn't buy as much as it used to.* Just priced a new F-150 XLT and sticker was $55,000.* Crazy.**
    55 for a f ing xlt lol in 2011 I drove down the road for one with the 5.0 ext cab 4x4 for 28700. Otd.

  25. #25
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    I got REALLY lucky. Picked up a used 2019 F150 with every bell and whistle that you can get, except the skyroof. It has the 3.5 ecoboost and love it! Paid $34K out the door last September. Going to spoil it and hope to drive it for the next 10 years at least.

  26. #26
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    Quote Originally Posted by Administrator View Post
    I got REALLY lucky. Picked up a used 2019 F150 with every bell and whistle that you can get, except the skyroof. It has the 3.5 ecoboost and love it! Paid $34K out the door last September. Going to spoil it and hope to drive it for the next 10 years at least.
    You could sell that and make money right now. We took a road trip yesterday, every lot looked like it was going out of business with the lack of inventory. I just read a article about Nissan giving their dealers bonuses for getting people to sign up for 84 and 96 month loans! Crazy what people do to drive a new vehicle.

  27. #27
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    Quote Originally Posted by euphoric1 View Post
    ezra..you couldn't be more correct, my opinion...as American's we are being bent over, taken advantage of. Get out your industrial tube of KY because it wont be getting any better any time soon. prices going up stupidly in my business too.
    Going back to a horse and buggy maybe, eh? I couldn't pass that up, say a little sarcasm! You will be absolutely very well surprised when you get to drive the E vehicles coming out.

  28. #28
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    Quote Originally Posted by slimcake View Post
    Just had a guy come in and buy a skid steer attachment.* It was 6K.* He through 6k cash on my desk and said "I need to get rid of this **** before its worth nothing"....* *I think that is a lot of why things seem so expensive.* Your dollar just doesn't buy as much as it used to.* Just priced a new F-150 XLT and sticker was $55,000.* Crazy.**
    Just as tractors, planters, tillage, combines, and etc, eh? Manufacturers of everything blame the large portion of increased costs on tariffs? If past experiences of history mean anything, they are being truthful. Whatever.

    - - - Updated - - -

    Quote Originally Posted by mrbb View Post


    IMO< its a generation thing,* there was once a time when folks only used credit* to buy things in a* pinch, credit cards were for emergency's of sorts!

    *Now a day's folks with the never ending need to have everything NOW< think nothing of financing there lives away, no fear of never ending payments!
    which in turn just keeps driving the prices of everything up up up
    *as if OEM's know folks will PAY more they will keep charging more and more!
    *and IMO, its a shame,
    *as it is making many thing un affordable* to the average person trying to stay out of debt!
    *add in most vehicles don't even last that long in the salt belt due to rust issue's, its even worse
    ( and I* currently have a 60 k truck going in for 10+grand worth of rust repair in 3 weeks,* its just* 5 ys old now, but started rusting away at 3 yrs old /, took 2 yrs for warranty to step up,* * lucky for me , its being covered under warranty, but almost wasn't!, took me 2 yrs of non stop pushing the issue which has been a pain to deal with!)

    SO, IMO< and first hand experience,* quality on vehicles hasn't gained as much as price tags have! there just* made with more gadgets now to appease the tech minded generations we have now!
    where driving seems to be more of an inconvenience to theme, than a skill to learn!
    *they want auto drive, auto braking, .auto park,* auto stay in your lane< auto speed control,*
    just want to push a button for everything but paying attention!

    this* Corona virus doesn't hold a candle to the deaths of BAD drivers out there* and as vehicles get smarter,* sadly drivers seem to be getting dumber LOL




    Perfect!

    - - - Updated - - -

    Quote Originally Posted by gary_in_neenah View Post
    Just read this morning that the cost of lumber is high because of demand here in the states and no imports from Canada. Since the Covid Crisis began they stopped shipping their lumber to the U.S. Guess that pesky virus can travel on the trains now so they can't risk it. (insert sarcastic remarks here regarding border security)

    As for trucks...dothedo mentioned the difference in the ride between the Toyota and Dodge. Beware of any reference to "Off Road" with the Toyota products. It's going to be a stiffer ride. Toyota makes a fine truck, mine lasted me 10 years trouble-free, no rust, and they sold her within 48 hours of the trade. But as I posted before, they all make a good trucks. Find one you like then brace yourself for the Sticker Shock!

    My idiot neighbor just bought one of these....

    Got to luv it gary! Keep em coming, eh!

  29. #29
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    Want see something really crazy.......go to www.Carvana.com. And punch in your truck to sell and see what they offer. Offered me 18k for my 2012 f150......with rust and needing tires!! Lol

  30. #30

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    Quote Originally Posted by eagle1 View Post
    Want see something really crazy.......go to www.Carvana.com. And punch in your truck to sell and see what they offer.
    Offered me 18k for my 2012 f150......with rust and needing tires!! Lol
    ya crazy all rite
    they said they would give me 24500 for my 2013 2 door wrangler 40k miles
    i paid 27500 when it was new
    very tempting offer

  31. #31
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    Quote Originally Posted by eagle1 View Post
    Want see something really crazy.......go to www.carvana.com""="" target="_blank">https://forum.johndee.com/vbulletin/"http://www.Carvana.com""]" target="_blank">http://www.Carvana.com"[/URL] target="_blank">www.Carvana.com. And punch in your truck to sell and see what they offer.

    Offered me 18k for my 2012 f150......with rust and needing tires!! Lol

    Coworker had a similar experience and ended up selling it to them and said it went very smooth. Dealers seem to be giving top dollar as well though, just traded in our 2015 escape for $1000 less than I paid 2 years ago. Tires were bald, passenger door dented bad, sunroof leaked a little, rear passenger door panel kept popping off. I couldn’t say take it fast enough, the new 2020 explorer was a nice upgrade!
    Last edited by indy_500; 04-11-2021 at 10:20 PM.

  32. #32
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    heck guys, if you look at some of the more higher end trucks(raptors, Ram TRX Rebels,and so on)
     there actually selling at almost 50% OVER sticker price?
     there are folks in line waiting on one to BUY
     and there selling for well over a 100 grand?
     its crazy what some trucks are bringing , as I cannot see how any truck is worth over a 100 grand when again they will rust out  in time  unless stored and never seen snow and salt! LOL

    and there are a TON of pick up  trucks these days over a 100K on the market and growing higher and higher every yr, its s shame IMO
     there out costing luxury cars and even sports cars in sticker prices< CRAZY
     and add in most owners use them for getting groceries and NOT any real  work use, or need of a truck at all, just look at truck box sizes, they keep getting smaller and smaller and prices keep going up and up!
     add in, they are having CRAZY high tow ratings which in MOST states, legally most owners don't have the driver licence credentials to TOW the weights, making for a lot of illegal towing going on??
     guess as they say, have to PAY to play?
    not sure how that helps the small time worker that NEEDS a truck  and actually uses it for what it was designed for yrs ago LOL




  33. #33
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    Seems clear there are two different economies these days. "Funny" how the fed will keep showing low to no inflation in its official numbers.

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    Quote Originally Posted by mrbb View Post
    heck guys, if you look at some of the more higher end trucks(raptors, Ram TRX Rebels,and so on)
    *there actually selling at almost 50% OVER sticker price?
    *there are folks in line waiting on one to BUY
    *and there selling for well over a 100 grand?
    *its crazy what some trucks are bringing , as I cannot see how any truck is worth over a 100 grand when again they will rust out* in time* unless stored and never seen snow and salt! LOL

    and there are a TON of pick up* trucks these days over a 100K on the market and growing higher and higher every yr, its s shame IMO
    *there out costing luxury cars and even sports cars in sticker prices< CRAZY
    *and add in most owners use them for getting groceries and NOT any real* work use, or need of a truck at all, just look at truck box sizes, they keep getting smaller and smaller and prices keep going up and up!
    *add in, they are having CRAZY high tow ratings which in MOST states, legally most owners don't have the driver licence credentials to TOW the weights, making for a lot of illegal towing going on??
    *guess as they say, have to PAY to play?
    not sure how that helps the small time worker that NEEDS a truck* and actually uses it for what it was designed for yrs ago LOL


    Agree!

  35. #35

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    imo,, much increase is due to hwy safety act and a myriad of other government nanny crap.
    1978,79,80 deaths in cars>50,000, 23 per 100,000, 2019=36,096, 11.5? per 100,000.
    e.p.a wants high mileage low weight, traffic safety wants strong trucks to defy deadly crashes?????
    just can't believe plastic and styrofoam bumpers cost so much but that"s another revenue stream i guess.

    i'm admittedly no expert but lower speeds and law enforcement would be my, "pick the lower fruits" approach, for lower prices.

  36. #36
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    Everything with wheels is more expensive. Sleds, pickups, boats, RVs all selling for full SRP. Lumber, household appliances, furniture. lawn and garden - everything. What makes it all spin is low interest rates. Very few folks pay cash. They just want to know what the monthly payment is. That is what has changed. A nation of debt slaves. When something gets payed off it is now normal to jump right back in to a new payment. There are still deals to be had if you don't have to have somehting RIGHT NOW. But people are in to instant gratification. Now now now. Only another $300 a month. Go for it. And then they bitch because ground beef goes up 10 cents per lb. People are stupid.

  37. #37
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    As far as rust on pickups. There is a cure for that. It might be hard to believe but there is a company that makes pickups with all aluminum bodies. Have been that way since 2015. I have had 2 of them. There is no rust. They are called Fords. You might have to drive a long way to find a dealership but they are out there. Otherwise you could maybe Google "Ford" on your 'putor. I bet they have a website. Just a thought.

  38. #38
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    Quote Originally Posted by grub View Post
    Everything with wheels is more expensive. Sleds, pickups, boats, RVs all selling for full SRP. Lumber, household appliances, furniture. lawn and garden - everything. What makes it all spin is low interest rates. Very few folks pay cash. They just want to know what the monthly payment is. That is what has changed. A nation of debt slaves. When something gets payed off it is now normal to jump right back in to a new payment. There are still deals to be had if you don't have to have somehting RIGHT NOW. But people are in to instant gratification. Now now now. Only another $300 a month. Go for it. And then they bitch because ground beef goes up 10 cents per lb. People are stupid.
    HAHA
     I fully agree
     smart technology sure seems to be making folks dumber IMO!
     why learn anything when you can look it up, seems to be a way of the future
     and WHO cares if what you look up is BAD or incorrect info,  mass amounts of folks just seem to think if its online , it must be right LOL

    OH what a scary world were turning into!
    very superficial generations that seem to put more value in immaterial objects than values and morals and pride in one's self!
     so many just lack shame anymore !
    just keep digging dpepr holes of Debt,  and the sad or scary part is, so many end up just getting forgiven of debt after a apoint, creditors give up trying and or settle for less than owned
     making all of use that pay our bills and live debt free, being the suckers!

     learn how to cheat the system pays better for many more than it doesn't

     just need some sort of abbreviation illness to get Gov check ( I know a few folks that get almost 40k a yr in government handouts due to they LEGALLY claim they cannot pay attention, so cannot work<
     yet play video games all day, ride ATv's , travel, but cannot work?? HUMM< funny how that works anymore! and they also buy new trucks every other yr??)
      what ever happen to wanting to be a responsible  PERSON  and having others think  your a hard worker and  word meant something you had PRIDE in yourself to be self sufficient and able to make it ALL on your own!
    sure seems to be a dying life style or mind set IMO!

    and 

    OH every day more  and more so I am glad I grew up when I did!



  39. #39
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    Quote Originally Posted by mrbb View Post

    HAHA
    *I fully agree
    *smart technology sure seems to be making folks dumber IMO!
    *why learn anything when you can look it up, seems to be a way of the future
    *and WHO cares if what you look up is BAD or incorrect info,* mass amounts of folks just seem to think if its online , it must be right LOL

    OH what a scary world were turning into!
    very superficial generations that seem to put more value in immaterial objects than values and morals and pride in one's self!
    *so many just lack shame anymore !
    just keep digging dpepr holes of Debt,* and the sad or scary part is, so many end up just getting forgiven of debt after a apoint, creditors give up trying and or settle for less than owned
    *making all of use that pay our bills and live debt free, being the suckers!

    *learn how to cheat the system pays better for many more than it doesn't

    *just need some sort of abbreviation illness to get Gov check ( I know a few folks that get almost 40k a yr in government handouts due to they LEGALLY claim they cannot pay attention, so cannot work<
    *yet play video games all day, ride ATv's , travel, but cannot work?? HUMM< funny how that works anymore! and they also buy new trucks every other yr??)
    * what ever happen to wanting to be a responsible* PERSON* and having others think* your a hard worker and* word meant something you had PRIDE in yourself to be self sufficient and able to make it ALL on your own!
    sure seems to be a dying life style or mind set IMO!

    and*

    OH every day more* and more so I am glad I grew up when I did!

    and it's just going to get worse

  40. #40
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    Well, we sound like a bunch of old farts sitting around the campfire, don't we? Here's the thing. I read this somewhere some time ago so I'll have to paraphrase and fill in the blanks. In the years prior to say 1970 if you needed a loan you'd go to the bank and ask the president or someone with influence for a loan. Their response would be, what do you have for collateral? And you'd reply I have some cows and chickens and I work real hard. So, they granted you the loan provided you paid it back with interest on time. Otherwise they'd take your cows and chickens. Sometime in the early 70's the banking industry realized they could make more money by giving the same loan to people that were higher risk. No collateral, poor work history, etc. The reasoning was that some money would be lost, but MOST of the loans would be repaid over many years of monthly payments. Plus they still had the working stiffs that paid their bills on time and preferred to live debt-free once the loans were paid off. Fast forward to today. A couple of generations have grown up since with easy credit, no payments for a year, no money down, etc. Life is Good as long as you keep up with the payments. It's a win-win for the bankers and most consumers just accept it as the way we choose to live. Didn't mean to ramble or stir up trouble, just wanted to share what little I know about finance. Carry on!

  41. #41
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    Quote Originally Posted by gary_in_neenah View Post
    Well, we sound like a bunch of old farts sitting around the campfire, don't we? Here's the thing. I read this somewhere some time ago so I'll have to paraphrase and fill in the blanks. In the years prior to say 1970 if you needed a loan you'd go to the bank and ask the president or someone with influence for a loan. Their response would be, what do you have for collateral? And you'd reply I have some cows and chickens and I work real hard. So, they granted you the loan provided you paid it back with interest on time. Otherwise they'd take your cows and chickens.
    Sometime in the early 70's the banking industry realized they could make more money by giving the same loan to people that were higher risk. No collateral, poor work history, etc. The reasoning was that some money would be lost, but MOST of the loans would be repaid over many years of monthly payments. Plus they still had the working stiffs that paid their bills on time and preferred to live debt-free once the loans were paid off. Fast forward to today. A couple of generations have grown up since with easy credit, no payments for a year, no money down, etc. Life is Good as long as you keep up with the payments. It's a win-win for the bankers and most consumers just accept it as the way we choose to live. Didn't mean to ramble or stir up trouble, just wanted to share what little I know about finance. Carry on!

    actually l you missed a step, LOL

    yrs ago if you didn;t have good credit,. you needed a person with good credit to CO sign a loan, making THEM liable if person borrowing didn;t make payments!

    and as for it being good for all, I disagree
    as , it is honestly allowing more and more folks to go into debt, making those that make there payments ON time, have to PAY more for all items being sold to folds that borrow more than they can afford, and over extend themselves!
    it drives up the costs of products
    so, Ain;'t no WIN win for everyone, but the folks loaning and or maybe selling things folks are buying on credit?

    when you look at stats about how many folks in the USA are in debt (last I seen was 7 out of every 10 folks are in debt)

    its actually a rather scary figure?? NO!!~
    Last edited by mrbb; 04-12-2021 at 08:14 PM.

  42. #42
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    Quote Originally Posted by mrbb View Post
    actually l you missed a step, LOL

    yrs ago if you didn;t have good credit,. you needed a person with good credit to CO sign a loan, making THEM liable if person borrowing didn;t make payments!

    and as for it being good for all, I disagree
    as , it is honestly allowing more and more folks to go into debt, making those that make there payments ON time, have to PAY more for all items being sold to folds that borrow more than they can afford, and over extend themselves!
    it drives up the costs of products
    so, Ain;'t no WIN win for everyone, but the folks loaning and or maybe selling things folks are buying on credit?

    when you look at stats about how many folks in the USA are in debt (last I seen was 7 out of every 10 folks are in debt)

    its actually a rather scary figure?? NO!!~
    I would think it would be even greater than 7 of 10. Yes we are mostly geezers around the fire on this site. The world we lived in during our most productive years is long gone. The rules are different and lot of stuff we have to deal with wasn't even invented 30 years ago. It was a simpler more cut and dried time to be alive. So when we are in doubt we fall back on how things used to be done. Which is what our depression era parents did when things started moving too fast for them. My parents were absolutely terrified by the concept of debt. I used to think they were a little touched. But now it has come full circle. My own kids think I am an idiot for not taking advantage of these cheap interest rates. The more things change the more they stay the same.

  43. #43
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    The used pick up truck market is definitely crazy out there, I punched in my Vin number on Carvana and they want to pay me thousands of dollars more than what I bought the vehicle for brand new a year ago and now it has 6000 miles on it ...wow

  44. #44
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    Ya local dealer offered me 32,000 for my 2018 Silverado.  Punched the vin into Carvana and they offered me 37,000 dollars!!  WOW!!!

  45. #45
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    I swear Carvana is money laundering front for the Cartel!! Lol

  46. #46
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    Quote Originally Posted by mrbb View Post
    when you look at stats about how many folks in the USA are in debt (last I seen was 7 out of every 10 folks are in debt)its actually a rather scary figure?? NO!!~
    Would those 7 out of 10 folks include mortgages? Some debt such as eventually owning your home is good don't you think?

  47. #47
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    Quote Originally Posted by gary_in_neenah View Post

    Would those 7 out of 10 folks include mortgages? Some debt such as eventually owning your home is good don't you think?
    the last stat I seen was on credit card debt, not mortgages!
    so?

    and YES I think there is a huge difference in buying something that can have increased value down the road ( like a home, land and so on, that can be viewed as an investment and not just satisfying a MUST have NOW need!)
    But you also have to buy within your actual means, and not buying just due to you can get a loan for it,!
    so, debt from a mortgage can be good and bad, pending how much you borrow and or over extent yourself!


    and there IMO is a a big difference in going in debt for all sorts of other things that depreciate from the second you pay for it on!

  48. #48
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    Quote Originally Posted by eagle1 View Post
    I swear Carvana is money laundering front for the Cartel!! Lol
    No, just smart people who actually negotiated a decent deal on their vehicle selling to Carvana, who sells to idiot mehlennuals who are too intimidated to negotiate their own deal in a dealership.

    See the gap, and whi makes money and who pays too much..I did.

    Bear

    - - - Updated - - -

    Quote Originally Posted by slimcake View Post
    Ya local dealer offered me 32,000 for my 2018 Silverado.* Punched the vin into Carvana and they offered me 37,000 dollars!!* WOW!!!
    Sell, sell, sell..and buy a 56k GMC Elevation with the new 3.0 diesel for 10k more..you will love it.

    Bear

  49. #49

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    Quote Originally Posted by eagle1 View Post
    I swear Carvana is money laundering front for the Cartel!! Lol

    I actually bought a low mileage, 2019 Pathfinder on Carvana back in December.  The price was very competitive with what I saw locally.  It was an extremely pleasurable experience all around.  A couple of clicks here, couple of clicks there, and the vehicle showed up in my driveway on a flatbed a few days later.  There were two scratches on it not disclosed in the ad, they agreed, and they paid the local body shop I use $1500 to fix them. 

    I looked there first when shopping for a newer truck over the past month or so, but their prices were beyond belief. 

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