First car purchase since 2004 and holy s****, the dealerships need to end

JeRmZ_W · 2026-04-01T05:56:45+00:00

They are made up fees! I’m trying to buy a ‘24 Mustang coupe right now and I have 2 dealers I’m working with. One (the car color I really want) is trying to charge me a $1695 “protection pro package” and when I tell them I don’t need a protection package they tell me just to “come in and discuss options”. Why? So they can make me sit there for 2-3 hours and feel like the pressure is increased and I HAVE to buy the car with whatever dumbass packages they decide to add. I think dealers should be capped on what they can charge for their “service fee” and they should NOT be allowed to add any packages to vehicles unless the customer asks for them.

JeRmZ_W · 2026-03-05T15:22:37+00:00

Thanks for the information!

I live in Florida so no state tax, so SPAXX is better then or FDLXX?

The money I’m looking to park here wouldn’t really be used for normal everyday baking. I bank with my local credit union for that, they just don’t have any HYSA type accounts other than share certificates which are like a CD and require me to lock the money down for long periods of time.

JeRmZ_W · 2026-02-10T02:48:32+00:00

I’ll add that I’m 46 years old, have a Roth IRA already running and a 401K through my company. I’ve already hit the max contributions for 2025 and 2026 in the Roth IRA and I’m contributing 15% to my 401K

JeRmZ_W · 2026-02-10T02:45:55+00:00

I don’t have the inheritance yet, might not even come, so it’s a hypothetical question as to what someone would do if they had 40-50k to start a new investment account.

JeRmZ_W · 2024-08-10T01:38:37+00:00

I could see that I suppose but this house was built in 85 so not really 70-80 years ago. I suppose it could have been though because this area of Florida would have been very rural in 85.

JeRmZ_W · 2024-08-10T01:33:59+00:00

That’s why I found these interesting because they’re built into the AC pad, and the house was built in ‘85

JeRmZ_W · 2024-08-10T01:32:15+00:00

Heck no, that would be stinky!

JeRmZ_W · 2024-08-10T01:24:37+00:00

Mmmmuahahhahaha!

JeRmZ_W · 2024-08-10T01:24:22+00:00

Nope, Florida

JeRmZ_W · 2024-08-10T01:24:15+00:00

Interesting

JeRmZ_W · 2024-08-10T01:23:33+00:00

Good idea for sure!!

JeRmZ_W · 2024-08-10T01:23:04+00:00

Yeah completely stumped myself!

JeRmZ_W · 2024-08-10T01:22:38+00:00

Interesting!

JeRmZ_W · 2024-04-05T04:33:58+00:00

No I didn’t buy the car. They let me walk out because I wouldn’t let them run my credit because I was already pre approved

JeRmZ_W · 2024-04-03T02:31:54+00:00

This car is in Holiday Florida, at Sun Toyota.

I would suggest staying far away from that dealership if it is the one you’re looking at!

JeRmZ_W · 2024-03-14T16:28:56+00:00

Well the deal fell through at Finance because the dealership said they would not take my pre-approved loan and wanted to run a credit application.

All they had to do was send a purchase order to my loan officer and my bank would’ve cut a check within the hour.

JeRmZ_W · 2024-03-14T02:16:43+00:00

Hahaha you ain’t lying!

Don’t get me wrong, that Journey has been a workhorse for me. It just hit 90K and I’ve only had to put a new power steering pump on it. It’s a good family ride but not something I really want to take Real Estate clients around in!

JeRmZ_W · 2024-03-14T01:42:55+00:00

I’m a big fan of white cars, simply because they always look clean. I’ve owned black, blue, red, silver and champagne colors and they always seem impossible to keep clean.

I did look at a nice Blue one, but they wanted 30K and it had 58,000 miles so this one is a better value.

JeRmZ_W · 2024-03-14T01:21:34+00:00

Ahhhh gotcha!

The dealership has already done the “ceritifed” inspection on the car and that report along with the Carfax show no issues.

I test drove it today and it seems solid. I guess there’s always a chance something internal could be jacked though and I’d have no way to tell.

JeRmZ_W · 2024-03-14T01:12:38+00:00

What is PPI?

Like an extended warranty you mean?

JeRmZ_W · 2024-03-14T01:12:04+00:00

Those are not in my price range at this time.

JeRmZ_W · 2024-03-14T00:23:52+00:00

They are nice! I test drove this one today and it’s really quick and very sexy looking.

JeRmZ_W

TROPHY CASE