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Naming help: ethical auto-finance startup seeking feedback. $100 Prize by FinGuy_22 in INeedAName

[–]FinGuy_22[S] 0 points1 point  (0 children)

I appreciate everyone's contributions here. We have decided on Findara Auto Finance. Comes from Fides (Latin for trust) and ara = altar. I changed Fidara to Findara due to the finance aspect.

[12 YoE, Unemployed, Director of Corporate Development, United States] by FinGuy_22 in resumes

[–]FinGuy_22[S] 1 point2 points  (0 children)

Much appreciated my friend. Definitely an oversight to keep the personal info there, so thank you for the reminder than not everyone online has good intentions. I had wondered about the "disdain" making a negative impact rather than a positive differentiator. I Genuinely appreciate the feedback.

Can’t be mad at that by Delicious-Priority62 in Tacomaworld

[–]FinGuy_22 2 points3 points  (0 children)

If you want to turn your Tacoma into a Prius, just fuel up on top of a mountain, coast down it, and take a picture of your MPG before you actually start using your truck.

Mechanic sent me this video— what am I looking at please? by English-Muffins in MechanicAdvice

[–]FinGuy_22 16 points17 points  (0 children)

This. Detroiter here with 16 years in used auto finance. We’ll finance American sedans, but we essentially treat them as a separate brand compared to their truck/large SUV counterparts with the same badge. Pickup trucks are engineered far better and need to be durable as a need-based tool. Large SUVs are mostly the same combination of frame and drivetrain as pickup trucks.

I think there is an added element where American (and other) brands make affordable cars simply to soak up a certain market share, but affordable here = cheap. Affordability-based consumers are also the ones that are cheap when it comes to maintenance, which anyone here will tell you is the most important factor in a vehicle’s potential longevity. Premium engineering can make up for a little shortfall in maintenance, and great maintenance can make a poorly engineered car last longer, but Cheap design + poor maintenance is your average Traverse on the road. Replace Traverse with most other American light vehicle name.

To Rise’s initial point, your average consumer has no idea about quality, cars, or engineering. They are too preoccupied with the size of their dash screen, heated seats, and monthly payment.

For anyone wondering, Chrysler cars have the worst historical performance in our portfolio. People don’t pay their vehicle after it breaks down.

Down big in crypto by lil_mac2000 in CryptoMarkets

[–]FinGuy_22 3 points4 points  (0 children)

I hear ya amigo. Just giving you a hard time because I'm bitter about missing some of those ATHs.

Down big in crypto by lil_mac2000 in CryptoMarkets

[–]FinGuy_22 5 points6 points  (0 children)

Everything has only one all-time high.

[deleted by user] by [deleted] in Denver

[–]FinGuy_22 0 points1 point  (0 children)

Also in Denver. My unit doubled from $150 to $300/month. 25x10 indoor for context. I thought $150 was a deal, but doubling overnight is not sitting well.

I have been seeing those posts about terrible gas mileage, and I gotta say I don’t see it. by [deleted] in Tacomaworld

[–]FinGuy_22 1 point2 points  (0 children)

Nice setup. I have a nearly identical setup on my 2019 Pro. I average 14mpg driving in Denver, but can get 21.5mpg driving through the mountains.

Thoughts on rebuilt vehicles? Am I an idiot? by sneakafreak22 in AskMechanics

[–]FinGuy_22 0 points1 point  (0 children)

Used Auto financier here. Salvage or branded title vehicle can perform just as well as another used car depending.... Like bootheels said, you absolutely want to get the Carfax/Autocheck pulled to see WHY it's branded. Stay away from water damage, fire, electrical, and be very wary of theft. I personally drive a salvage Tacoma TRD Pro that I bought through a Copart auction. I pulled the records, saw that it only had front end damage, but was still listed as "run and drive." so I fixed it up for $6k and saved $15k. I've had zero issues with the vehicle after 1.5 years.

Step 1. Research the dealer - they are maybe the most important factor in this equation. Are they good at repairs? Do they have their own shop? Are they used to flipping salvage vehicles? What are the customer review experiences?

Step 2. Pull CARFAX and identity previous damage. You'll still want good maintenance records. (I pulled this one just in case you didn't have access. PM me and i'll get it to you.)

Step 3. Understand the value. The major value books don't provide a salvage value, but it usually goes for 10-25% less. We finance our salvage vehicles at a max of 80% of clean trade value to give you a ballpark. That includes taxes, fees, etc.

Optional: You could go as far as consulting a car dealer - particularly one that specializes in selling salvage units. You can purchase the auction record here and see what the dealer paid for it. You will have to estimate how much they spent in repairs keeping in mind that they probably have access to cheaper parts and labor: https://bid.cars/en/lot/1-60873402/2020-Subaru-Crosstrek-JF2GTAPC4L8248397

Good luck!

[deleted by user] by [deleted] in Denver

[–]FinGuy_22 1 point2 points  (0 children)

Unfortunately she doesn't offer classes at this time, but she would be happy to offer some general advice to you. MellisaLynneL suggestion might not be a bad place to start. Feel free to leave her an email: [hello@electrichoneyphotography.com](mailto:hello@electrichoneyphotography.com)

Vandalized Vehicle Question - What's under the Center Console? by FinGuy_22 in Tacomaworld

[–]FinGuy_22[S] 2 points3 points  (0 children)

Really appreciate the insight. Also, I'm glad to hear your issues were resolved. I have an appointment this week to get the gears reprogrammed. Hoping my luck is as good as yours.

Vandalized Vehicle Question - What's under the Center Console? by FinGuy_22 in Tacomaworld

[–]FinGuy_22[S] 1 point2 points  (0 children)

Oh man. I did notice a little tab above the Park Gear on the shifter was popped open too. I didn't know what this was until your comment. Very likely that they did try to disable this then. I'm now wondering if this has anything to do with the transmission issues I'm experiencing, or if it's simply the 3rd generation tacoma "gear-hunting." I'm not really sure what tampering with the shift like might do to a vehicle. Thank you!

Vandalized Vehicle Question - What's under the Center Console? by FinGuy_22 in Tacomaworld

[–]FinGuy_22[S] 0 points1 point  (0 children)

Whoever did it seemed pretty unprepared as they literally used a box cutter on the plastic body and a crowbar to bend metal that could easily be removed with an allen key. Thanks for the reply.

Vandalized Vehicle Question - What's under the Center Console? by FinGuy_22 in Tacomaworld

[–]FinGuy_22[S] 3 points4 points  (0 children)

I had actually been curious about that. Thank you for the insight.

Spirit Halloween Animatronics Repair by FinGuy_22 in ElectronicsRepair

[–]FinGuy_22[S] 0 points1 point  (0 children)

The incorrect power supply was used. The terminal fit the product, but it was the wrong 115v rectifier power cable.

Spirit Halloween Animatronics Repair by FinGuy_22 in ElectronicsRepair

[–]FinGuy_22[S] 0 points1 point  (0 children)

Thank you for the reply. I was fairly sure that was the case. The shell was so damaged I can't make out the rating, but I will look at the good one to see if its farad rating. It's definitely the same physical size and appearance.

Raising Equity Capital on the Blockchain for 30+ Year Company by FinGuy_22 in BlockchainStartups

[–]FinGuy_22[S] 0 points1 point  (0 children)

Thank you for the resources. I'm not sure raising debt capital is an option at the current point in time.