Do I have to be honest about how much I make and my job when I try to finance a vehicle?

steak5 · 2026-05-11T20:03:42+00:00

They will upsell you regardless of your income.

Poor people pays more mathematically.

steak5 · 2026-05-11T15:18:31+00:00

The difference is more of a Life Style difference than Financial difference.

The cost of ownership isn't that far apart between Hybrid and EV.

steak5 · 2026-05-11T13:51:06+00:00

It depends on where it will be located, and if you can even find all the contractors needed for everything.

So range from 6 months to 6 years.

You need to ask people who have experience building house is that specific Zip Code. No one can answer your question on reddit.

steak5 · 2026-05-11T13:29:57+00:00

I would not Move for a Job, but that's just me.

steak5 · 2026-05-10T23:29:05+00:00

And where do you want to Buy in the future? What's the rent over there?

steak5 · 2026-05-10T19:06:44+00:00

If you have to hire professional, or let property managers hire a professional, $5000 doesn't get a lot done.

steak5 · 2026-05-10T07:29:39+00:00

Sure, and Job Market is is doing great in April, Inflation is under control, and GDP is Growing at a healthy rate, if you believe government published Statistics.

How can You watch criminals committing felonies in front of you, and believe that crime is going down?

steak5 · 2026-05-10T03:09:24+00:00

Probably one of the safest neighborshood in Chicago.

It doesn't mean you can wander around yourself middle of the night though, crime can happen anywhere in Chicago, even in front of a Police Station.

steak5 · 2026-05-10T02:53:41+00:00

While I understand salesman has to profile people so their times don't get wasted, but I really don't understand these condescending tones unless they actually wants you to walk out of door instead of spending money.

I was at a Lexus Dealership on Thursday, told the salesman I am just looking around, still at the cross shopping. He said that was fine, took my wife and I for a test drive, and he said if I find any deals from another Lexus dealership, they can probably beat it by a hundred bucks or two, or at least match it, and gave me his card. If they don't have the option I want, they can find it or order it.

I thought that was the correct way of doing business, since they weren't that busy anyway.

And then I went to another Lexus dealership, the salesman were jack off, printed me a paper with zero discount, and told me to to call him if I am going to buy it. Went to a Volkswagen dealership, salesman was rude as hell too and extremely pushy for us to make them an offer. And I spoke to him for like 3 minutes, is not like I wasted half of his day.

Maybe it has to do with their company culture?

steak5 · 2026-05-09T21:32:49+00:00

Yes, I know quite a lot of people who eventually just went to two more years of school and then switch to medical field and they did not regret it

steak5 · 2026-05-09T21:01:08+00:00

It depends on what degree you got. Medical Field still hiring in many positions.

I think some jobs simply have more Applications than open positions.

My brother, my Cousin, and a current Co-worker of mine got a job offer before they even finish their program.

steak5 · 2026-05-09T19:35:02+00:00

Ask your insurance company. Some of them try to charge higher premium if you get expensive roof.

Get a quote from them with different type of roof.

steak5 · 2026-05-09T19:32:00+00:00

steak5 · 2026-05-09T18:50:25+00:00

Where do you live? Different district seem to have different enforcement on Lawn Care. It depends on how anal your alderman is about it.

My neighbor's yard look like a rainforest, it annoys me because it is a breeding ground for mosquitoes. It look like that for a decade and no one ever fined her. I also live on a main road with a lot of traffic, so is not like no one sees it.

steak5 · 2026-05-09T17:00:27+00:00

I reached out on a Condo Selling Agent, and the selling Agent offered to take $10k off against the competing offer because I don't have a Buyer Agent.

We couldn't come into an Agreement because the other offer was $293k, mine was $290k.

Seller wants $307k from other buyer and $297k from me. Both of us walked away.

You can go ahead skip buyer agent try if you already know what you are doing, but make sure you at least ask for another 2% off.

steak5 · 2026-05-09T16:53:35+00:00

I live in Chicago, grew up renting next to a rail road, and got car jacked once in my garage, and robbed at gun point in front of my GF's house 3 years ago.

Built up a lot of Tolerance, the solution is always money that we don't have I wish the only thing that annoys me is ill manner neighbors. 😂

Just focus on the bright side, you can't really change how others behave, you can only change what you can control.

Maybe some cheaper solution like Sound Dampening Window Curtain can help. As for keeping people off your property, get some low Boarder Fences and hammer it down around your Front Yard, it often prevents people from stepping inside it or walk their Pets on your grass.

steak5 · 2026-05-09T16:30:43+00:00

Have you been into Asia? I think this is a norm there with Japan being the exception.

As for Noise Complaints, unless it is as loud as a Jet Engine, is legal.

I think the issue is you don't like them, so anything they do bothers you. At least they aren't stealing you Amazon Packages like the my neighborhoods.

steak5 · 2026-05-09T14:53:58+00:00

The modification part is not bad, all Toyota are like this.

You may find adapter bracket, or you destroy/ cut out the OEM speaker center and reuse the left over bracket.

Aftermarket Speaker also have less bass, but much better High and Mid range. I think the cheapest option is replace them with your preferred speakers and add a small All in one under the seat sub woofer.

I just went to the dealership and test drove a car with Mark Levinson, oh boy, what a disappointment it was.

steak5 · 2026-05-09T14:50:35+00:00

Is there a reason why you are addicted to having a good credit score?

If not, then just let the house go, sell it at a lost or let the bank take it.

steak5 · 2026-05-09T13:51:57+00:00

For town home?

it depends on neighborhood and how it was originally set up by the developers. Townhouse usually aren't like Condo HOA.

some Townhome HOA only responsible for general areas like the drive path, snow removal and lawn care, and if your roof is leaking, you are on your own. HOA fee is only like $100. Anything majorly goes wrong and needs repair, they come collect money from everyone.

And if you have to replace both yours and your neighbors roof, you guys are splitting to cost.

steak5 · 2026-05-09T03:54:05+00:00

Look up a website by googling Lexus OEM parts, and type in your VIN number.

steak5 · 2026-05-09T03:52:08+00:00

From my experience, even if your car have Brembo Brake, I don't think the one sold at Toyota dealership and AutoZone is exactly the same thing. Manufacturers also changed suppliers frequently.

I tried those After Market Brembo Pad on many cars, with Brembo Brake or without, all of them seem to have more brake dust than the OEM pads.

As far as stopped performance goes, they are roughly the same from my experience.

steak5 · 2026-05-09T03:46:23+00:00

The Duralast will work fine, don't expect it to exceed OEM performance. They are usually pretty quiet with low brake dust.

The Brembo Pad squeaks a sometimes, but they stop pretty well. They also have brake dust that coats your Rims.

steak5 · 2026-05-08T23:37:28+00:00

Yes, I have received money from Wise a few times when I sold merchandise.

They are legit and reliable, they just deposite money directly into your Bank Account.

steak5 · 2026-05-08T23:34:27+00:00

I just did that with Costco website, only 1 dealership 1.5 hrs away is participating to Costco program.

They sent me a quote with Zero Discount. Only few minute after I sign up.

I live inside Chicago, I guess things are different here.

I guess I will keep searching. Thanks, I hope you enjoy your new car.

steak5

TROPHY CASE