/o/ -  Auto

>>13388

Because it likely is a nest of rust. If it has been standing still for a long time, expect quick detoriation of plastic parts in first months. Pull every piece of cloth you can reach, it could be rotten or mossy. Rubber parts could be on their way out too.

Metal parts should be fine.

>>13396

Thats whats so frustating.I ALREADY follow that philosophy in the rest of my life, doing as much as I can for myself without outsourcing. I'm not a mechanic, but when I had my pickup I maintained and kept it in good condition. Changed Oil and air filter and all that shit and other than some trouble with the 4x4 locking up i was able to fix everything myself, if not with my neighbor or godfather giving it a diagnosis just from eyeballing it for a few minutes over some beers.

The reason I didn't go older before was that I needed a car immediately and I didn't have enough money to buy a decent one without a bank loan. they gave me a hard enough time with a 10 year old sedan, no way in hell they'd approve something sportier from the 90s. Against my instincts I also kind of talked myself into thinking that I would be better off with a new car from a dealer with a loan because if anything went wrong I would have safeguards in place as the alternative would have been buying a used shitbox that would inevitably break immediately.

The rust is particularly brutal here, and the state of the roads is borderline dangerous with potholes, bumps, and just about every other way a road can be fucked up or neglected. Unless you buy brand new from the dealer Most cars don't last 10 years because of the rust alone, and the people who can afford that just buy a new one every couple years. Its not even actual car damage so much as it is cars failing inspection cuz of quarter panel and door frame rust. This is why I didn't and still don't totally discount IRL advice. because in most cases an affordable car over a certain age almost assuredly has some pretty horrible frame rot and rust.

I'm rambling but this is very helpful. I'm just sick of saving money up and then having to spend it all fixing a car so I can drive to work and earn more money and repeat it feels like I've done it for far too long. I just want to save 10k so I can buy a chunk of land, build a cabin, quit this fuckin rat race and live off investments while whatever I do for work funds stupid projects and leisure. As soon as I get ahead WHAM car accident WHAM huge medical bills

I'm curious driver, you seem much more practical and less rabid than the typical /o/ frequenter. What do you drive? what have you drove?

>>13399

That is unfortunate. This may sound drastic, and it is kinda, but if you aren't attached to the area you might consider moving west and/or south. Once you're out of the midwest they pretty much don't salt the roads afaik. Texas, Colorado, Montana, Arizona, Oregon, Idaho are all potentially viable areas that shouldn't be too shitty in terms of taxes (not in that order, Oregon is pretty much Washington level socialist with a lower pop, but if you live outside Portland the taxes aren't too bad). The rest of the south is probably fine for cars but the culture is very different. I don't know about jobs though. Depends on your field.

>roads

sucks

>inspections

Damn, they fail you even for body panel rust?

>cycle

That's the logic behind getting a cheap Japanese shitbox. Rarely break and cost peanuts to fix when they do. I don't know about New England but recently used manual Corollas are very common on the market here. Same goes for Civics but I don't think they are quite as cheap. Mazdas are a good option as well. I would stay away from Nissan, I think they've been sharing more with Renault recently.

>rambling

Don't worry about it, talking it out (or in this case typing) is good to do, it helps you see more of the situation as long as you aren't just sulking.

>investments

Good idea. I had to do a personal finance course in high school (where most of this advice is coming from) and the one I did was by this guy named Dave Ramsey. Basically, save whatever you can, even if it's only a few dollars a month. It'll happen slowly, but you'll eventually be in good shape if you can stay out of debt and maybe invest in some safe markets. Especially if you're still fairly young, chances are good that you will end up in a good place if you stick to it.

I'm normally much more of a shitlord, but when serious things like this come up I try to be less sarcastic and more helpful.

>what do you drive?

1998 Saab 900 turbo. Before that I had a 1994 900 turbo which was totaled about a month ago. The insurance settlement was enough to get a running but not great shitbox like I described, which would have been fine until I could save up for a good car (likely would have been another Saab), but it wouldn't have fit my cargo needs very well and my parents insisted that I get a decent car now rather than later. So I got a small loan (my credit union would only give me a little more than half the price of the car anyway because they are undervalued and the kbb value is low) and bought a decent car. I have a summer job that pays peanuts to cover the first few loan payments, then I'll get a real job and pay off the loan by the end of the year.

>what have you drove?

the 1994 900 mentioned above was my first car. I bought it (parents helped) for close to peanuts but it had a lot of problems that cost more in the long run. In retrospect I definitely should not have gone with that one for my first car, though it was fun and suited my wants and needs almost perfectly, which is why I bought another one. If I were to do it again I probably would have gone with a cheap Mazda. I'll pay back my parents eventually.

>>13401

As muc has I'd love to move to the other side of the country where everything I want to do is easier, Everyone I care about is here. I'm planning on moving to Maine or New Hamsphire. Massachusetts is run and occupised by leftist authoriteans and their flocks of sheep and friendly to my aspiring redneck lifestyle. Again, need money for that. I recognized pretty early on in high school that all of my family's (and many people's) troubles were directly or indirectly finance related because they were taught to live beyond their means. took personal finance in college a couple years later and figured out that even small regular savings with discipline when made early on can snowball into a huge nest egg and/or dividends. Its just between buying new cars, the shitloads of medical bills I had, and various other bank account emptying disasters it feels like I haven't gotten anywhere. Like I had 1500ish saved up on top of my normal money reserved for bills when I crashed. I always keep it in checking so its liquid cuz I'm conditioned to expect shit like this to happen whenever I get my head comfortably above water I'm only 27 so I still have time.

Funny you mention nissan. Found a 88 300ZX from North Carolina. Theres a shitload of civics and corollas but I just can't bring myself to drive one. I'd rather drive one of those gay 2000s beetles. My parents helped cosign for the saturn and pretty much walked me through the whole car buying process and they're helping me again so as much as I want to get something old and a few thousand bucks I don't know if they'll go for it. Whenever I brought up a car older than 2009 or from anyone but ford, chevy, toyota, or honda they pretty much look at me like a dumbass teenager salivating over some gay corvette or whatever the kids like now

>>13402

>attached to family

Understandable. It's not easy moving across the country when you are totally alone, harder when you are leaving people behind.

>NH

I would definitely recommend it over Maine. There was/is a thing called the Free State Project that settled there, It's kinda a meme and pozzed now but they are pseudo-libertarians, and if I'm not mistaken they retain a desire for economic freedom. It's already a pretty conservative place. Just stay well north of Concord.

I don't even know if they salt the roads up there. AFAIK it's fairly common for there to be a plow or two on every street.

>they were taught to live beyond their means

You've got it 100% right. Boomers went crazy and taught their kids to do the same, which trickled down to us.

>300ZX

Not one of the popular ones, not sure why. Only recently did Nissan partner with Renault, anything 90s or older is fine. 00s Sentras aren't very good for some reason.

>shitload of civics and corollas but I just can't bring myself to drive one.

I felt the same way, and I was lucky enough to have the means and available options to get something more enjoyable. If I were in your position though, I'd get a Corolla now and save for a more respectable daily and a classic project later. Not many newer cars worth driving anyway, in my opinion.

Op here. so fuckin ripshit. Insurance company took two weeks to get an adjustor out to see the car and then another week to mail me a letter saying "we'll give you…not enough to pay your fucking loan" I remarked to my parents (who are dumbass boomers that have been in debt since they were 30 and continue to dig themselves deeper with their retarded mentality) that I should have never gotten a car loan. They basically replied with "of course you should have. Its so much better to be in debt for years and have a bunch of jew strings attached to your vehicle that you don't actually own" then proceeded to tell me that you can't just go spend 3k on a car and not have it be in the shop every month.

I'm just so fuckin angry. I don't know how to own a car and not get raped financially by banks, insurance companies, dealerships, mechanics, basically everyone in the whole auto industry. I know it's possible because other people do it, but nobody will teach me how.

>>13421

No one CAN tell you how to minimize the Jewing. There's too many right ways to do things that are very wrong in other cases and you don't know how until you've been through many, many factors. The best you can do is get an old car, spend as much time reading forum posts and talking to gray haired mechanics as you can, and go in full force with both middle fingers in the air.

Get a socket set, spanner set, some PB Blaster, and some repair manuals. There's a good place to start. Your Boomer parents will laugh at you for doing things the right way, but fuck 'em.

>>13421

It's ok to be angry. You're dealing with grief, after all.

I live by the philosophy that if you have to take out a loan for a car, you're not able to afford that car. Sure, buying an old car might give you a lemon, but if you spend like 2k on an old car and it turns out to be FUBAR or cursed, you can ditch it without too much financial loss. All I can tell you is that if a deal sounds too good to be true, it most likely isn't. In Europe it's easy. You want an old, but reliable car? Get a ~'95 1.9 TDi VAG car. They get better diesel mileage than any new car, they're somewhat safe in a crash, they're great fun to drive and they hardly break down.

I'd say find out what car represents this class of cars in your area, I'm sure there's something.

>>13457

I have to say that that's not an argument, sorry. As a service technician, you get the very worst of the worst, the lemons, so of course, from your perspective, electronics is shit.

>>13388

That sucks anon. My first car I bought with mine own money was a 04 350Z for 6k, I had to borrow 1k from my brother and he's been very nice about me paying it back. Had her for 8 months now and I still love her even though she's got a leaking convertible top

update: : had a few older things I was gonna look at in the 2-4k range but I was just informed by my mother (yeah I know) that my bank won't give an auto loan for a private sale. All the dealership cars are POS or really new and more money than I want to spend (though not more than the bank will loan me).

I could take a regular loan out but I'd be at like 9.65% instead of 2.45%. Is that really so bad if it takes me a year or two to pay off instead of 4-6? I guess my other option is sucking it up and getting a summer job in town that I can walk or bike to for a couple months till I can save up a couple thousand and have no loan.

>>13489

I recently got a 36-month loan for $2800 at 8.5% + $2200 down payment from the insurance settlement, for a 1998 model. I plan to have it paid off within a year (if that) but I am still living with my parents and don't have many expenses of my own yet so it's easier for me to do that. You may be able to do something similar, depending on how much you got from the settlement (or did you get one at all? You make it sound like you didn't). My credit union would only finance 80% of the KBB value of the car I was buying, I imagine your bank has a similar rule.

Basically, $3k or less at almost 10% should be doable and reasonable (as usury goes anyway) if you can pay it off very early (like within a year or less). You should also find out if there is a pre-payment penalty on the loan. My credit union doesn't do that, and most credit unions probably don't. But banks, according to their nature, are usually very kikey.

>>13490

I got roughly a thousand less from the insurance than I had on my loan. We hassled em down to 600 less. I live with my parents so I don't have to pay rent or utilities but I pay for everything I use and need except a roof over my head. Still when I start working again, a 2 or 3k loan I should be able to pay in about a year assuming I got it through my bank at 9.5%. My dad said for a non-auto loan they would probably ask for collateral and I don't think they accept firearms or computers or old video games as collateral and those are the only things I have of monetary worth,

Such bullshit. I can get a loan for a 10k car but not for one 3k and not unless I go through a scumbag dealer. fucking kikes. The bank was giving me shit when I applied for the loan for an 07 car so I can't imagine they'd be enthused about a 90s or 80s car. That was part of the appeal of a regular loan, just take my money and go get a car.

fuck it seems like theres no way out of this shit cycle. the game of life really is rigged huh get a car you can't afford, when you finally pay it off it's a hunk of shit, rinse repeat. no wonder everyone is so much debt, it's designed that way.

>>13495

See if your dad is open to cosigning on the loan, it might be easier to get approved and may reduce the amount of collateral required if there is any, though I'm not experienced with that. Also, I'm not sure what they would consider for collateral if they didn't consider smaller possessions like firearms. It couldn't hurt to ask them.

I'm not sure if it's possible to do so without being a member, but you might look into getting a loan from a credit union. They are much less kikey and might give you a auto loan for an older car with a higher interest rate like mine did. It was a choice betweeen 2006 or newer and 2.5%ish, or older than 2006 and 8.5% interest. Both auto loans. I could have done a private transaction as well. I know some dealers do financing through credit unions but that could be because they are members.

And, this may seem a little extreme, but you might consider switching to a credit union anyway, especially if you don't plan on moving any time soon. Again, they are much less kikey than banks, because they are unions that serve and are staffed by members, rather than businesses run by shareholders.

>no wonder everyone is so much debt, it's designed that way.

Yes, the modern, popularly accepted financial game is designed to fuck you over if you play it wrong. That's why I joined a credit union rather than (((Chase Bank))) that my parents are with. Unfortunately, a lot of people play it wrong because of what their parents taught them, directly or indirectly. The baby boomer meme is true in that they were the first ones to use credit so extravagantly, which was more okay than now, though still stupid, because the economy was in much better shape then. This behavior was passed on to their kids, and then to us. It's the norm to be in massive credit card debt. For many it's a way of life. Our culture of instant gratification hasn't helped. The only way to fix it is to not get into debt in the first place, and if you are already in debt, to pay it off before you spend more than is absolutely necessary on anything else.

Every car I've owned has been bought cash over the barrel, and I'm on my most costly car right now, weighing in at $2600. Yowza. But this one will be far more reliable than the previous four cylinder shitboxes. No debt slavery for me, but also no new car for me. I have no debt whatsoever, but apparently I have pissed too many people off, because my credit report only shows my student loan that I paid off in two years (it was only like $3500). I tried to get a loan for a $15k house a couple years ago, and the bank told me to fuck off.

>>13496

I am part of a credit union, I just call them a bank out of habit. they're the ones who said they won't do private sales or older cars. I've been with them since my first job at 14 and they've been fantastic for everything except this

I realized that the popular financial practices are what lead to lifetimes debt and misery years ago, I just didn't anticipate how difficult it would be to take a different path. the only debt I have is around 4k of student loans which I pay every month and I use my credit cards but pay them off in full each month so I can build good credit should I ever need a loan. The shitty part is that I'm still young and lack experience and the only people I can go to for advice are my boomer parents who just tell me to repeat their mistakes which they of course don't think are mistakes.

get back from vacation in two days. I'm trying not to think about all this till then

>>13498

>$15k house

Do you mean $150k?

>>13499

Ah. I suppose things like that do vary. It probably helps me that I'm with a larger regional credit union. Smaller ones would probably be more strict. It could also just vary that much.

Look up Dave Ramsey. You might not be able to find much because he seems like the stereotypical "buy my book to find out my secret to ultimate success!" people, but my mom got his high school finance class for me and my brother and while a lot of it seems like just basic common sense in the beginning of it, it might get more specific in more advanced things later on, like how and what to invest in and such (I didn't finish it). Maybe you could find lectures on youtube, I dunno.

The basic gist of it, though, is to not take loans when you don't need to, save and invest, and I suppose have a credit card that you pay off every month to get good credit so you can get things like car loans and mortgages. Saving is important, even if you can only save $20 a month. $20 is more than $0. I think the investing part is pretty big as well, because saving on its own, while a good thing, doesn't really give you much growth over time. I don't think the interest rate on the average savings account is even enough to counteract inflation. I don't think you need to worry about it right now, but once you are properly on your own it would be a good idea to invest in some safe markets.

That's how I would go about it anyway. It does take time, but again, you'll be much better off for it. At least, assuming you and I and everyone else in our generation make it before muh shit hits the fan. If not then all this is moot. With that in mind it would probably be wise to invest in guns, ammo, and protective equipment as well, which it sounds like you may already be doing.

>>13503

Yeah I took personal finances in college and I have the basic shit more or less figured out, its just digging yourself out of the initial hole you're in when you become an adult and don't have anything. Over the past 5 years when I've been working I've been socking away 100-200 a month at least but once I get up around 2000 something always happens like car shitting the bed or medical bills. I had a lot of medical shit that would just drain me every 6 months or so for years and I finally got it all fixed this past december and was making a lot of money dec-march. Then I had to fix my old car and that took a chunk out of my savings, then that car shit the bed anyway, and then I get this new car a couple months ago and now bam, another huge account draining expense. I'm lucky my parents have helped me as much as they have financially. I've done the math though and looked at what I realistically need to survive and be happy and if I could get like 50k or even 30k together and have a steady job, I would be set for the rest of my life.

Even if I did empty my account now though it still wouldn't be enough for a car that would last more than 6 months, and I still have bills to pay in the interim while I figure this out. I might actually need to take a loan out so I can start earning money again.

And yeah I'm a gun guy. I don't have a lot in experience or hardware, but I have enough to outlast most of the clueless masses and take all their shit. Moot point though cuz 1 month after I'm out of meds I'll be Trevor Phillips.

>>13505

Sounds like you have a good base then. Unfortunately the only way to get out of these things on your own is to power through it. You're already ahead of most people with the knowledge you have.

You might consider looking at getting a motorcycle license. You could potentially get a running, street legal motorcycle and all the necessary safety equipment for $1000 or less. All Japanese bikes are babby mode to fix, and if you get something like a Honda Rebel that has been made more or less unchanged for 20+ years, parts are everywhere and cheap as fuck. It would only get you through the summer/early fall but maybe it would give you time to save cash for a car without worrying about a loan. I would only consider it if riding appeals to you at all and you can find a good cheap bike, and I only thought of it because I've been thinking of doing the same for other reasons. Even a scooter could work if your job doesn't require going on the highway to get to. Just a thought, there are many things that could prevent it from working.

>>13507

Op here. Got a rental Corolla. I hate it, but I'm no longer stationary. I decided that if I'm getting a loan for a car, I might as well spend more and get a car that will be reliable and last a long time. At the same time, I'm not signing away part of my paycheck for 6ish years without absolutely loving what I'm driving.

Looking at a 2007 Monte Carlo, some Miatas, Mazda 3 hatchback, and a Fox Body 4 banger this week. Got a list of others but I can't really see myself buying them. Miata would be the clear choice except I keep thinking it will be too cramped for a daily. Theres a 2010 Challenger that I really like but I have a gut feeling It would turn into a huge headache and a moneypit. Same with the 77 maverick.

All this new cars are bad talk make me unsure what to look for anymore. I drive an old car as it is, but 90s cars are harder and harder to come by around here. And 90s sport cars are being sold for stupid money. I'm not paying fucking 7-11 grand for a 30 year old car that I'm going to drive in the snow and fuck up with all the salt they use here. It's amazing my car has stayed as rust free as it is. I guess I drive my car till it dies and figure it out from there. By then all the 90s cars in the area will be fucked or gone. And I'm sure as shit not trusting city niggers I see selling cars on Craigslist. It can be as clean as my asshole and I won't trust it.

Does anyone here like any new cars at all?

>>13618

My 29yr old Audi is just fine.

Are there realy no old, loved, but "oh i am getting a new one" cars in Burgerland? Average age of a car here is 17-20yrs, and seeing somemthing over 30 is not uncommon.

>>13620

I'm in NY ( not the city) . Cars rust and everyone drives like a cunt. I see old sedans that are around my cars age, but why would I give up my old sedan for some other old sedan? I mostly see cars from 2002 and up. Anyone in anything older than that is an immigrant and poor, maybe a college or high school student. I'm talking normal cars nothing nice like what I'd look for.

I'm sure people outside this shithole state find old cars, but when you live in the North East of the US…good luck. I've seen trucks that are 7 years old rusted out. It's all the salt. Even worst up north.

>>13622

You think my garbage can has it easy? I often drive on dirt roads, winter lasts from october to march, and wheel arches often get hit with storms of sand/rock from driving on those dirt roads at 100km/h. Baltics have to learn rallydriving not in schools, but on the road. Such is life here.

So i just assume Burgerland manufacturers just gave up rust protection after 95'?

Btw, the secret to rust prevention is adding some acid to paint. So the metal reacts to the acid, thus forming strong and stable chamical bonds, rather than air, which just makes some weak-ass oxide known as rust.

I know there are paint shops here that offer such a thing and it actualy works. Can easily give any car +10 years of life.

>>13626

The paint on my 94 Grand Prix is still in amazing shape.They used metallic paint and it aged well. I wish I could say the same for the shit hard plastics inside. The bumpers have a little sun rot, but it's only on the folds.

I'd take a photo, but my cars in the shop. Some prick rear ended me a few weeks ago. I was shocked that my car was hardly dented at all. It moved the trunk up half an inch.

The bumper was fine, the lights were fine and trunk shuts. The rental I have is a real bitch. I knew the pillars of modern cars were bad, but I had no idea how bad it really was. So many blind spots. I fucking hate it.

>>13388

A round of applause for making a bad decision in the first place.