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E36 (1991 - 1999)
The E36 chassis 3-Series BMW was a huge hit among driving enthusiasts from the first moment the car hit the pavement. The E36 won numerous awards over the years it was produced and is still a favorite of many BMW enthusiasts to this day! -- View the E36 Wiki

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  #70451  
Old 12-02-2012, 03:32 PM
E36 Phantom's Avatar
E36 Phantom E36 Phantom is online now
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Quote:
Originally Posted by TheFinanceGuy View Post
I had to deal with Amex on a vendor side, and from that they are awful! They charge incredibly high fees to accept, and are really bad about paying the vendor.
That's where my opinion comes in about them being terrible.
Yes, Amex is VERY consumer oriented and almost never sides with the merchant. High discount rates too since they have big perks for the consumer. Sorry to hear about the rest of your day

In other news, the E38 is handling family life pretty well

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// Chad // 2001 BMW 740i M-Sport // 2002 Lexus LX470 //
// 1997 BMW 328iS Sport // 1995 BMW 540i/6 Sport //
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Quote:
Originally Posted by SlimKlim View Post
You're a derbanana
  #70452  
Old 12-02-2012, 03:54 PM
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FenderBender FenderBender is offline
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Two words:
















Fake














Tree

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  #70453  
Old 12-02-2012, 04:00 PM
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drivinfaster drivinfaster is offline
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like saab, but not a big fan of the v6 used in that model...and turbo just makes it worse...

to work on at least....


ever see tht timing belt in those things?? it's the same design as the older catera caddy's, with 3 (count em...3) tensioners.

to do a t-belt properly you need the cam lock tools and tension in sequence. (well, not absolutely, but is makes it a million times easier....)

that alone has simply turned me off from them as i had looked at them a while ago.

if i get a saab, it's got to be a red 9-3 aero turbo coupe with a black interior and manual trans.

if those came awd then that would be schweeet!!, but alas, not to be....


in other news i tore into the parts car today...boy did it get whacked hard...

pics will be taken tomorrow, forgot the camera today....


and i now smell fuel in katka, so gottat get that figured out.

then there's the clunks, rattles, leaky exhaust...





df
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  #70454  
Old 12-02-2012, 04:03 PM
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^This!^







Had a near disaster last year with the real tree. Back to the fake from here on.....


Got it and all the rest of the inside stuff put up today. Outside lights will go up next weekend......too hot out today to be up on the roof
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  #70455  
Old 12-02-2012, 04:08 PM
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drivinfaster drivinfaster is offline
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anyone have any experience with buying cars @ auction??



df
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  #70456  
Old 12-02-2012, 04:45 PM
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Quote:
Originally Posted by FenderBender View Post
Two words:

Fake
Tree

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Ok Grinch....

I can't stand fake trees. They seem so blah. I mean, really, half the fun of having a tree is picking it out and cutting out down (unfortunately didn't get to this year)






Quote:
Originally Posted by drivinfaster View Post
anyone have any experience with buying cars @ auction??

df
Unfortunately, not yet. Maybe in a year or so.

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// 1997 BMW 328iS Sport // 1995 BMW 540i/6 Sport //
// 2000 Kawasaki Concours 1000 // 1998 Honda CBR900RR //



Quote:
Originally Posted by SlimKlim View Post
You're a derbanana
  #70457  
Old 12-02-2012, 04:57 PM
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So, didn't really get any conclusive credit card info. Mastercard, CU, etc, what should I go with?? What do I look for?
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  #70458  
Old 12-02-2012, 04:57 PM
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TheFinanceGuy TheFinanceGuy is offline
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Mein Auto: 1998 328i / 99 540iA
This is the first time since 2008 that ill be in this country for Christmas. Never mind home in my own house!

Which means we don't really have decorations..... Or have never out a tree up!

Need to buy so many things. Like a tree stand. And tree decorations, and outside lights.

So much to do!




Also, what's a slipping clutch feel like?
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98 328i hellrot (sold)
96 318iC black (sold)
  #70459  
Old 12-02-2012, 04:58 PM
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cj.surr cj.surr is online now
some kid
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Quote:
Originally Posted by TheFinanceGuy View Post
This is the first time since 2008 that ill be in this country for Christmas. Never mind home in my own house!

Which means we don't really have decorations..... Or have never out a tree up!

Need to buy so many things. Like a tree stand. And tree decorations, and outside lights.

So much to do!




Also, what's a slipping clutch feel like?
RPMs climb faster than they should, and slide back quickly if you get off the gas. It'll be pretty obvious.
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  #70460  
Old 12-02-2012, 04:59 PM
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TheFinanceGuy TheFinanceGuy is offline
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Quote:
Originally Posted by cj.surr View Post
RPMs climb faster than they should, and slide back quickly if you get off the gas. It'll be pretty obvious.
K thanks.... I'm good then.

Had a few moments where I thought it was slipping, but it didn't really do that. Longer drive tomorrow so ill know better.
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98 328i hellrot (sold)
96 318iC black (sold)
  #70461  
Old 12-02-2012, 05:00 PM
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E36 Phantom E36 Phantom is online now
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Quote:
Originally Posted by FenderBender View Post
So, didn't really get any conclusive credit card info. Mastercard, CU, etc, what should I go with?? What do I look for?
You're not inundated with mailers?





Quote:
Originally Posted by TheFinanceGuy View Post
This is the first time since 2008 that ill be in this country for Christmas. Never mind home in my own house!

Which means we don't really have decorations..... Or have never out a tree up!

Need to buy so many things. Like a tree stand. And tree decorations, and outside lights.

So much to do!

Also, what's a slipping clutch feel like?
Fun with a newborn eh?

And pre-decoration

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// 1997 BMW 328iS Sport // 1995 BMW 540i/6 Sport //
// 2000 Kawasaki Concours 1000 // 1998 Honda CBR900RR //



Quote:
Originally Posted by SlimKlim View Post
You're a derbanana
  #70462  
Old 12-02-2012, 05:03 PM
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TheFinanceGuy TheFinanceGuy is offline
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Quote:
Originally Posted by E36 Phantom View Post
Fun with a newborn eh?
Bingo!

We always travel to Berlin Germany for the holidays
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98 328i hellrot (sold)
96 318iC black (sold)
  #70463  
Old 12-02-2012, 05:05 PM
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FenderBender FenderBender is offline
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Nope, not getting spam email Chad, why?
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  #70464  
Old 12-02-2012, 05:13 PM
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dc_wright dc_wright is online now
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Quote:
Originally Posted by drivinfaster View Post
anyone have any experience with buying cars @ auction??



df
Not recently. Used to go with a friends father who had a dealer license years ago. Hard to say if that experience is still relevant. They used to use a stop light system. Cars sold under the green light had been inspected by the selling dealer and didn't have any issue found. The selling dealer provided a "buy back" warranty to the buyer if a problem was found. Yellow light cars had been inspected and had known issues that were usually listed in the auction guide. Red light cars were pay your money and take your chances cars. Sometimes red light cars were OK but very high mileage. Yugos and the Hyundais of that day always sold under the red light.
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  #70465  
Old 12-02-2012, 05:27 PM
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E36 Phantom E36 Phantom is online now
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Quote:
Originally Posted by FenderBender View Post
Nope, not getting spam email Chad, why?
They'll never send you spam, it's direct mail. If you're not getting direct mail you may need to start with something like a Cap1 secured card.

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// 1997 BMW 328iS Sport // 1995 BMW 540i/6 Sport //
// 2000 Kawasaki Concours 1000 // 1998 Honda CBR900RR //



Quote:
Originally Posted by SlimKlim View Post
You're a derbanana
  #70466  
Old 12-02-2012, 05:47 PM
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TechieTechie TechieTechie is offline
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[QUOTE=dc_wright;7227186]Not recently. Used to go with a friends father who had a dealer license years ago. Hard to say if that experience is still relevant. [QUOTE]

Pretty sure Mannheim auctions still run that way. My old bf had our mechanic pick up a big #ss truck at a Mannheim auction....and sold it to us for $500 more than he paid for it. Major deal. Do you have a friend with a dealer's license? I would not buy from an auction unless it was a dealer auction....public auctions are verrrry hit or miss (mostly miss).

I too bought my Xmas tree today. Always go to the same cut your own place (Patrick..it's Doe Orchard in Harvard, if you guys are interested. Great family operation with literally hundreds of great trees). The baggers in the parking lot were drooling over my car (and scared I hadn't brought anything for the roof..silly kids).

Pics when I get it decorated .

Oh, and Matt. Limited revolving credit does a credit score good. Don't get a store card, those actually can be detrimental (since they approve almost anyone). Secured MC or Visa cards (where you put a savings deposit in a similar amount to the credit limit) are usually the only option for first timers. And Amex generally does not issue cards to first-timers. Best thing to do is read, read, read....since it's all about the fine print. http://money.usnews.com/money/person...y-credit-score.

Quickest way to build good credit score is to keep a small amount unpaid every month (less that 10% of the credit limit).....but then you have to pay finance charges. Your call on what is most important. But what matters is that you pay on time, no matter what. They will look at 3 years of credit history to calculate your credit score...and one late payment can knock your score 50 points or more....denying you access to future credit with low interest rates. I like this site....http://www.creditkarma.com/

No decorating tonight. 6:30 am flight awaits
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Last edited by TechieTechie; 12-02-2012 at 05:52 PM.
  #70467  
Old 12-02-2012, 05:50 PM
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FenderBender FenderBender is offline
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Quote:
Originally Posted by E36 Phantom View Post
They'll never send you spam, it's direct mail. If you're not getting direct mail you may need to start with something like a Cap1 secured card.

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How come? I mean, I certainly haven't received any lately, but I may have at some point.

[QUOTE=TechieTechie;7227255][QUOTE=dc_wright;7227186]Not recently. Used to go with a friends father who had a dealer license years ago. Hard to say if that experience is still relevant.
Quote:

Pretty sure Mannheim auctions still run that way. My old bf had our mechanic pick up a big #ss truck at a Mannheim auction....and sold it to us for $500 more than he paid for it. Major deal. Do you have a friend with a dealer's license? I would not buy from an auction unless it was a dealer auction....public auctions are verrrry hit or miss (mostly miss).

I too bought my Xmas tree today. Always go to the same cut your own place (Patrick..it's Doe Orchard in Harvard, if you guys are interested. Great family operation with literally hundreds of great trees). The baggers in the parking lot were drooling over my car (and scared I hadn't brought anything for the roof..silly kids).

Pics when I get it decorated .

Oh, and Matt. Revolving credit does a credit score good. Don't get a store card, those actually can be detrimental (since they approve almost anyone). Secured cards (where you put a savings deposit in a similar amount to the credit limit) are usually the only option for first timers. And Amex generally does not issue cards to first-timers, better to get a MC or Visa (my first card was a Capital One secured card). Best thing to do is read, read, read....since it's all about the fine print. http://money.usnews.com/money/person...y-credit-score

No decorating tonight. 6:30 am flight awaits

Thanks guys and gals!


So I'll look into Capital one?
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  #70468  
Old 12-02-2012, 06:05 PM
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TechieTechie TechieTechie is offline
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[QUOTE=FenderBender;7227266]How come? I mean, I certainly haven't received any lately, but I may have at some point.

[QUOTE=TechieTechie;7227255]
Quote:
Originally Posted by dc_wright View Post
Not recently. Used to go with a friends father who had a dealer license years ago. Hard to say if that experience is still relevant.


Thanks guys and gals!


So I'll look into Capital one?
Matt..actually, have you pulled your credit score?

By Federal law, each major credit bureau must present you, upon request, your credit history free once per year. However, they usually give you a crappy, non FICO credit score (which is what all major lending institutions use to determine your credit worthiness).

Lots of sites (and even the big 3) will give you a free score, but it's not the same calculations as the FICO score....look for one that gives you a FICO score (usually you have to sign up for some 30 day trial of credit monitoring....but I usually grab my score and then immediately cancel my subscription )

You may already have a credit score...and if it's good, you can try for a better card than Capital One (which can be sneaky in their fine print). Again, my best advice is read, read, read. Particularly when you get your CC statement. The monthly due date changes every month on most cards....another trap they use to get you to pay the $35 late charge and additional interest.

Rackets...I tell you. I got burned when I was your age (waaaay too much credit card debt when I graduated from college). I am a cash only gal now (except for asset purchases).....
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  #70469  
Old 12-02-2012, 06:09 PM
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dc_wright dc_wright is online now
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[QUOTE=FenderBender;7227266]How come? I mean, I certainly haven't received any lately, but I may have at some point.

[QUOTE=TechieTechie;7227255]
Quote:
Originally Posted by dc_wright View Post
Not recently. Used to go with a friends father who had a dealer license years ago. Hard to say if that experience is still relevant.


Thanks guys and gals!


So I'll look into Capital one?
I've got a Cap1, a B of A MC and a B of A Visa. Cap1 has had the best customer service so far. So long as you pay them off each month they'll all be about the same. Pay attention to the payment cycles, late penalties and max interest. As everyone has said, read and re-read the fine print. The interest rates can get down right draconian once you've been late once.
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  #70470  
Old 12-02-2012, 06:11 PM
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petriej petriej is offline
Cruising 280 Top Down
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My USAA card has the best rates I've seen, but that won't matter if you pay it off every month.
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Quote:
Originally Posted by hornhospital View Post
Jared, why don't you just put "It's Giubo" in your sig? Save a lot of typing.
Quote:
Originally Posted by e36 miguel View Post
this jared guy sounds intimidating lol.
2005 X5 4.8is Le Mans/Black/6spd Steptragic
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-------------------------------------------------------------------
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  #70471  
Old 12-02-2012, 06:32 PM
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FenderBender FenderBender is offline
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I probably wouldn't pay it off each month, looking to earn some credit and possibly make non small purchases with it.


Jen, last time I saw my credit, it was a 720 with not much history. Only a car loan, now I'm on my second, but needed a co signer for it. I need to get more history if I want to get a house in a few years.
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  #70472  
Old 12-02-2012, 07:09 PM
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hornhospital hornhospital is offline
D'oh, You kids!
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Holy crap, Chad! 16k posts? You're like 20th on the number of top posters.



But it will be years before anyone catches Jever, though, and he's been gone for what seems like years.
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Last edited by hornhospital; 12-02-2012 at 07:11 PM.
  #70473  
Old 12-02-2012, 07:50 PM
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ZeGerman ZeGerman is offline
Warm Leatherette
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Went to a charity car show today. Thousands of cars, but 75% of them were shi##y hondas with "illest" and "fatlace" stickers in the window. The BMW attendance was low.

Turbo E34 525i:


I found a few BMWs to park near. In total, there were somewhere between 5-7 other E36s there.


The track was offering lead/follow laps, where you could pay money to drive your car at parade lap speed. As I predicted, some asshat had an incident. Can't believe the event organizers decided to conduct the lead/follow laps knowing the boneheads that attend this show...


Then an Infinity intentionally ran a stop sign and was t-boned by an innocent Volvo just outside of the track property...
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Last edited by ZeGerman; 12-02-2012 at 07:51 PM.
  #70474  
Old 12-02-2012, 07:53 PM
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Kdoherty Kdoherty is offline
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Quote:
Originally Posted by ZeGerman View Post
Went to a charity car show today. Thousands of cars, but 75% of them were shi##y hondas with "illest" and "fatlace" stickers in the window. The BMW attendance was low.

Turbo E34 525i:


I found a few BMWs to park near. In total, there were somewhere between 5-7 other E36s there.


The track was offering lead/follow laps, where you could pay money to drive your car at parade lap speed. As I predicted, some asshat had an incident. Can't believe the event organizers decided to conduct the lead/follow laps knowing the boneheads that attend this show...


Then an Infinity intentionally ran a stop sign and was t-boned by an innocent Volvo just outside of the track property...
...there's always one. In this case, two.
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Quote:
Originally Posted by cj.surr View Post
Drop the clutch, proceed and ain't care.
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  #70475  
Old 12-02-2012, 07:54 PM
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kanovic kanovic is offline
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Hahah an the idiot had an Evo -_-
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