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If you don't care about adding an impound account

I actually like having an impound account.  1 payment a month, and someone else takes care of making the insurance and property tax payments.  The 1st prop tax payment after we bought the house, the payment wasn't made, and we got a late notice from the county.  The lender boneheads fatfingered the assessor ID # and paid to the wrong account.  I assumed the worst and thought I was going to at least get reamed on paying the late fee.  But 1 call to the payment processor and they took care of everything.
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Water Cooler / Re: Buying used vehicles with accident/damage record?
« Last post by daedalus on Today at 10:38:02 PM »
Your own experience says that future resale of the car will be impacted by the accident history.  Use this as a bargaining chip to get price reductions.  For a short term ownership I would not take a risk on resale, but if you plan to own the car for a long time, it'll wash out IMO.  I don't personally feel my safety is more imperiled because of a minor accident in the car's past, but I have run from buying a Tundra after seeing a minor accident in the Carfax, because the price no longer made it worth it to me.

You have an OBDII (OBD 2) reader, and probably a generic one.  OBD (on board diagnostics) protocols are crafted around federal emissions laws, so generic readers will read generic things, for the most part...the stuff that has to be there.  All manufacturers then add their own codes and info to the mix, which may not be read or correctly interpreted by the code readers.  Not sure what "diagnostics" you're looking to get, but for the most part, if the check engine light isn't on, the car doesn't think it has a problem.  The exceptions are for intermittent or "soft" codes.  The big one here is for a borderline catalytic converter.  Very rarely a problem with a Lexus.  Sometimes the code reader will tell you how many starts the car has had since the last code clearing, and this is good to know.  If there have been only a handful of starts since the last code clearing, that would be a big red flag.

Warranties are part of the owner documentation, which is often published online by manufacturers.  A 2016 ES 300H warranty, for example, can be found here:  https://www.lexus.com/pdf/service/MY16_Lexus_ES_300h_WSG.pdf.  For this model/year, the hybrid system is covered for 8 years or 100k miles.

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Water Cooler / Re: God?
« Last post by irvinehomeowner on Today at 06:53:15 PM »
Like the singing/worship, to me it’s the same.

Back in the OT, making money was farming, raising livestock, etc, and God never said not to do that. He encouraged it so we can offer it to Him, the same way today we offer the money we make to churches or others in need.

Again, it’s a human trait we all fail at but I don’t know if i would classify it as a sin. Like you said, love of money is different than wanting to make more money to help your family.
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Water Cooler / Re: Snowflakes
« Last post by morekaos on Today at 06:06:37 PM »
Some of the richest people (owners) and the players (also rich) self flagellation for public consumption....idiots.

NBA Commissioner Adam Silver said the NBA will look to move away from the use of the term "owner" to describe those with controlling interest of teams in favor of terms like "Governor of the team," "alternate Governor," or even "Chairman."

https://www.cbsnews.com/news/nba-commissioner-adam-silver-said-basketball-league-may-phase-out-use-of-the-term-owner/
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Note USC's deal is "Buyer", not "current owner looking to refinance" The purchase to refinance spread is pretty significant now. Most of the biggies have stepped off the gas so as to absorb the deals they have in process now.

Rate comparisons between Lender A and Lender B still can get you a good deal. There are outliers pushing their rates down in order to keep the phones ringing. Take that quote to Big Bank A or B and they'll more often than not knuckle under and give you the same pricing. If you go with an outlier, know that your loan will be sold immediately to the funding bank. That's the only way some companies can push the rate down that far. If you don't care about adding an impound account, or making your payment to one place in September and different one in October, then some of these refinance focused shops can get you the great deal.

I'm holding out for the 2.25 15 year no cost refi. It came in for about a 72 hour window during the last run and vanished once their Secondary Marketing team had their coke binge wind down.

My .02c
Bust out the mirror!
6
Note USC's deal is "Buyer", not "current owner looking to refinance" The purchase to refinance spread is pretty significant now. Most of the biggies have stepped off the gas so as to absorb the deals they have in process now.

Rate comparisons between Lender A and Lender B still can get you a good deal. There are outliers pushing their rates down in order to keep the phones ringing. Take that quote to Big Bank A or B and they'll more often than not knuckle under and give you the same pricing. If you go with an outlier, know that your loan will be sold immediately to the funding bank. That's the only way some companies can push the rate down that far. If you don't care about adding an impound account, or making your payment to one place in September and different one in October, then some of these refinance focused shops can get you the great deal.

I'm holding out for the 2.25 15 year no cost refi. It came in for about a 72 hour window during the last run and vanished once their Secondary Marketing team had their coke binge wind down.

My .02c

Now that's the rate and years would get me jumpin'
7
Economy & Finance / Re: Toyota moving to Texas
« Last post by Soylent Green Is People on Today at 05:43:43 PM »
Wouldn't Huyndai also need to move Kia as well? Yes, the tax credits are not conjoined by both companies but if one left, the other would likely follow.

My .02c
8
Note USC's deal is "Buyer", not "current owner looking to refinance" The purchase to refinance spread is pretty significant now. Most of the biggies have stepped off the gas so as to absorb the deals they have in process now.

Rate comparisons between Lender A and Lender B still can get you a good deal. There are outliers pushing their rates down in order to keep the phones ringing. Take that quote to Big Bank A or B and they'll more often than not knuckle under and give you the same pricing. If you go with an outlier, know that your loan will be sold immediately to the funding bank. That's the only way some companies can push the rate down that far. If you don't care about adding an impound account, or making your payment to one place in September and different one in October, then some of these refinance focused shops can get you the great deal.

I'm holding out for the 2.25 15 year no cost refi. It came in for about a 72 hour window during the last run and vanished once their Secondary Marketing team had their coke binge wind down.

My .02c
9
Economy & Finance / Re: Toyota moving to Texas
« Last post by morekaos on Today at 05:36:12 PM »
Amazon was bullied out of Queens by Smith.
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Economy & Finance / Re: Toyota moving to Texas
« Last post by Compressed-Village on Today at 05:32:38 PM »
Hyundai, recently openned its new HQ in Fountain Valley with fan-fair ribbons cutting. Morekaos is speculating again.


The tax incentive is a partial equation to moving out. Look at Amazon pulled out from Queens, even as it going to get all the incentives. Its more than that.
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