I bought a new-to-me car today.
It was somewhat of a disaster.
A: I used the credit union we used when
threemeninaboat got her car.
This is the place that repeatedly assured us they'd changed the monthly payment to what we asked, while repeatedly billing us the original monthly amount.
This time around, they were just SO SLOW. Like, I'd give them some information and hear nothing and call and ask for a return call and wait a day and hear nothing and so go in and sit there and wait for 45 minutes and meet the guy and he'd say Oh Yes We Got That.
B: and I was stupid to have gotten a loan in the first place.
I could have bought the car outright, easily.
But our furnace is like a zillion years old and it's going to fail and I'd like to keep enough around for an emergency repair without having to shift Real Money around.
I bought a hail-damaged 2010 car. I got a loan for about 1/2 the value of it, because that leaves me enough to handle a fairly major house emergency. (Thinking: auto loan is 3% interest, personal loan to handle furnace replacement is 6%: I'm saving money! Go me!)
Now we have to get full insurance coverage, for a cheap car, that looks like someone took a ball peen hammer to it, AFTER suffering through like hours trying to get this cheap loan approved. The full coverage premium increase will exceed the loan value in a year.
So dumb. I could sell my two best oscilloscopes and have covered this. Or more concretely I can sell my old one to the subaru wrecker and cover it. (Which is what I'm going to do, to get this buried.)
But anyway. It drives.
It's taller, and heavier, and more powerful, and has really neutral steering so it likes to move around on the road more than my old one. It has an electronic emergency brake, and I'm totally dubious about that. If my main brakes fail I'd like a brake I can modulate rather than one that just locks the rear wheels. (I believe that emergency brakes are required to bypass ABS, so it will indeed lock them, which leads to interesting behavior, like the rear end becoming the front end.) And, no, I've never had the brakes fail. But
threemeninaboat had the clutch fail on the Spitfire a couple of months ago, and that's functionally identical: a hydraulic system with a leak that let all the hydraulics escape through age.
HOWEVER. I think I've managed to smash through my stupid work problem, where I appeared for a while to have electrons escaping somehow. They weren't (of course) but they were doing unexpected dance moves.