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Search: Keyword(s): ; Posts Made By: TXPearl
Forum: Ask-A-Dealer 12-24-2014, 06:51 AM
Replies: 27
Views: 1,186
Posted By TXPearl
Does the "inflection point" change? He's going...

Does the "inflection point" change? He's going to have to buy 6,000 add'l miles any way (with 15K/yr lease), so the incremental cost is still a total of 15K miles or $2,400 as you show above. Or am...
Forum: Ask-A-Dealer 12-20-2014, 09:26 AM
Replies: 24
Views: 936
Posted By TXPearl
Are you asking about pre-paying just the...

Are you asking about pre-paying just the remaining lease payments, or purchasing the car outright?

If the former, I somehow doubt that will work for you as you'll still show debt for the residual...
Forum: Off-Topic 12-16-2014, 10:11 PM
Replies: 32
Views: 780
Posted By TXPearl
So in this screen you shut off every app (from...

So in this screen you shut off every app (from using data) and it's still using data as you describe??

How are you measuring the total data usage? From Verizon's website? I wouldn't trust that...
Forum: Off-Topic 12-16-2014, 11:47 AM
Replies: 32
Views: 780
Posted By TXPearl
Sportsdad - follow these instructions. You...

Sportsdad - follow these instructions. You should be able to check specifically which apps and/or processes are using the data. And if the total doesn't generally reconcile with what VZ says, you...
Forum: Off-Topic 12-15-2014, 03:25 PM
Replies: 30
Views: 578
Posted By TXPearl
Yep, it was about $2.40 here my last fill up and...

Yep, it was about $2.40 here my last fill up and I expect it to be lower next time.
Forum: Ask-A-Dealer 12-15-2014, 07:33 AM
Replies: 6
Views: 489
Posted By TXPearl
Agree, but even if you have to eat the three...

Agree, but even if you have to eat the three remaining payments to get out early, wouldn't you still be better off? With the 39 month lease, in total you're paying the same (or in some cases 1%...
Forum: Ask-A-Dealer 12-12-2014, 01:26 PM
Replies: 19
Views: 1,126
Posted By TXPearl
Actually, yes....assuming the contract agrees...

Actually, yes....assuming the contract agrees with my calculation of the payment. :D
Forum: Ask-A-Dealer 12-12-2014, 11:28 AM
Replies: 19
Views: 1,126
Posted By TXPearl
Dollar amount, yes, but not %. Would be wise to...

Dollar amount, yes, but not %. Would be wise to verify correct % as this isn't negotiable, but dealers sometime make honest mistakes. It's be a hassle to redo the paperwork when it's later...
Forum: Off-Topic 12-12-2014, 11:08 AM
Replies: 6
Views: 179
Posted By TXPearl
Good story. Like that it was anonymous -...

Good story. Like that it was anonymous - suggests her motive was genuine charity.
Forum: Off-Topic 12-12-2014, 10:58 AM
Replies: 48
Views: 623
Posted By TXPearl
Sounded like he was aware of the under-pricing of...

Sounded like he was aware of the under-pricing of the web menu and chose not to remedy the situation - I doubt procrastination (which financially benefits the procrastinator) is a valid defense.
...
Forum: Off-Topic 12-12-2014, 10:05 AM
Replies: 48
Views: 623
Posted By TXPearl
I'm with the Canadian on this one. Plus, just...

I'm with the Canadian on this one. Plus, just refunding the overcharge of $4 doesn't recognize the customer's "costs" (time, perhaps some real expense) of securing the refund. That's part of the...
Forum: Ask-A-Dealer 12-12-2014, 09:47 AM
Replies: 19
Views: 1,126
Posted By TXPearl
Yes, but it doesn't explicitly show the residual...

Yes, but it doesn't explicitly show the residual % or money factor. The residual % is easy to verify on the fly, but the MF isn't.

OP, I'd suggest you get the dealer to email you the deal workup...
Forum: Off-Topic 12-10-2014, 08:13 PM
Replies: 46
Views: 1,290
Posted By TXPearl
Higher interest rates will depress housing...

Higher interest rates will depress housing values. Need them to stay low to benefit.
Forum: Off-Topic 12-10-2014, 03:47 PM
Replies: 46
Views: 1,290
Posted By TXPearl
I think that's supposed to be "stocks", not...

I think that's supposed to be "stocks", not bonds. (otherwise, a 20 yr. old would be 100% bonds??)

Probably some good rules of thumb here, but as always there are exceptions. And some things are...
Forum: Off-Topic 12-10-2014, 02:25 PM
Replies: 23
Views: 452
Posted By TXPearl
My in-laws send me that every year and it's much...

My in-laws send me that every year and it's much appreciated - love smoked salmon. (dad/cmac...is that you? :) ) I like Sportsdad's idea even better...the personal touch.

Good question posed...
Forum: Ask-A-Dealer 12-10-2014, 12:28 PM
Replies: 6
Views: 527
Posted By TXPearl
So the 2014s are actually better than the 2015...

So the 2014s are actually better than the 2015 residuals? Weird.
Forum: F10 / F11 (2011 - Current) 12-08-2014, 11:37 AM
Replies: 20
Views: 1,089
Posted By TXPearl
Whatever you do, don't buy a new one if you know...

Whatever you do, don't buy a new one if you know you'll be trading it in in 2-3 years. Leasing would be the much less expensive way to go.
Forum: Ask-A-Dealer 12-06-2014, 11:30 AM
Replies: 17
Views: 995
Posted By TXPearl
Where's sales tax figured in this payment? You...

Where's sales tax figured in this payment? You must be rolling in some other up front costs. Using your negotiated price, I get a payment less than $650.
Forum: Ask-A-Dealer 12-05-2014, 11:48 AM
Replies: 42
Views: 2,167
Posted By TXPearl
If that happens, Chris, then we'd have to re-open...

If that happens, Chris, then we'd have to re-open the discussion of making large cap reductions as a way to reduce interest costs.
Forum: Ask-A-Dealer 12-04-2014, 10:39 AM
Replies: 15
Views: 774
Posted By TXPearl
Not sure about MD, but in Texas (another 'full...

Not sure about MD, but in Texas (another 'full sales tax upfront on leasing' state) we can get trade-in sales tax offset from an outgoing lease. Dealer has to be willing to take the vehicle on trade...
Forum: Ask-A-Dealer 12-02-2014, 02:33 PM
Replies: 51
Views: 1,668
Posted By TXPearl
No. I'm suggesting he retain his NJ...

No.

I'm suggesting he retain his NJ residency (and registration) as long as possible. Agree he cannot and should not drive an unregistered vehicle. Penalties for that can be draconian.

At...
Forum: Ask-A-Dealer 12-02-2014, 02:16 PM
Replies: 42
Views: 2,167
Posted By TXPearl
That's a Texas specific thing you're looking at,...

That's a Texas specific thing you're looking at, and a nice deal if you can get it (it could conceivably apply to other states that require full sales tax up front as well). You'd have to ask your...
Forum: Ask-A-Dealer 12-01-2014, 05:27 PM
Replies: 51
Views: 1,668
Posted By TXPearl
That's a paranoid outsider's view of insurance...

That's a paranoid outsider's view of insurance companies. If he's honest with the insurer and tells them he's driving and garaging the vehicle in GA and the policy is properly rated for the exposure...
Forum: Ask-A-Dealer 12-01-2014, 02:39 PM
Replies: 51
Views: 1,668
Posted By TXPearl
You keep pushing these irrelevant arguments. No...

You keep pushing these irrelevant arguments. No one is suggesting he lie to his insurance company about where he is garaging the vehicle and where he drives it. He absolutely should obtain valid...
Forum: Ask-A-Dealer 12-01-2014, 07:44 AM
Replies: 51
Views: 1,668
Posted By TXPearl
I'd do all the same things for a second/seasonal...

I'd do all the same things for a second/seasonal home, or for a temporary apartment. And, yes, it's easy to verify, but who actually does verify it (for an insurance policy)?
Showing results 1 to 25 of 630

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