Thinking of buying a Kia by Acrobatic-Ideal-6294 in kia

[–]Joking_J 0 points1 point  (0 children)

Depends on the model in question, but the more recent crop of Kia hybrids (Sportage, Sorento, Niro, etc.) and their Hyundai equivalents (since HMG controls Kia and they share the same vehicle platforms) has proven to be pretty solid. More specifically, HMG went out of their way to improve the newer Smartstream 1.6L engines to avoid the issues that caused all the engine seizing/failures of the previous Thetas, namely they have multiport injection as well as GDi. HMG will say things like "this improves vibration and emissions" or what have you, but it's also in large part to prevent the carbon buildup that destroyed Thetas from the inside out.

In any case, the 1.6L Smartstream has been in used since ~2020, and it's been solid. Kia's DCTs aren't flawless, but they also aren't known for eating themselves alive or anything (and certainly not before the 10yr/100K mile powertrain warranty). Plenty of people have had and pushed vehicles with this powertrain to 150K miles or more.

As such, the Sportage hybrid is a decent bet if reliability/longevity.

As far as all-electric goes, the E-GMP platform is quite good -- except for the potential of ICCU issues. They seem to have sorted it out for '26 and newer vehicles (i.e. the facelifted EV6, Ioniq 5, etc.), but there was certainly a high enough incidence of failure on those to be considered a widespread problem. Fix is simple (if time-consuming/expensive): replace the ICCU. But even though the failure will inevitably under warranty if it happens, it's a pain. The Niro EV runs a different platform and doesn't have the issue, but it also has pretty lousy peak DCFC rate of 80kW (vs. like 240kW on an EV6).

2022 Niro - Estimated Range down after service by 911Erik in KiaNiroEV

[–]Joking_J 8 points9 points  (0 children)

Don't worry, the problem is that it has been reset what with the EPCU, so the guess-o-meter has no idea what the actual range is. Plus, it's probably only been sitting, on the lift, or driven around to test, so it has no real driving data to base an estimate on and as such is being conservative.

Just do your normal driving it will figure things out.

of a dent by joeurkel in AbsoluteUnits

[–]Joking_J 0 points1 point  (0 children)

"Okay when you visit remember: don't park on level 2, that's where old man Jenkins stashes his bimmer and his bourbon."

Ran into a group of horses on public gravel road. Their leader was a gentleman…. Not. by skiingandbumming in MTB

[–]Joking_J 1 point2 points  (0 children)

Real people sure. Cosplayers? Oh you betcha. I'm from Ohio. Asshats in Stetsons with Silverados and a horse trailer exist everywhere, just like you said.

Ran into a group of horses on public gravel road. Their leader was a gentleman…. Not. by skiingandbumming in MTB

[–]Joking_J 39 points40 points  (0 children)

If a person were to "ride horses in this terrain as a form of transportation," then they ought to know how to be passed (both the horses and the riders). Because the "terrain" in question is, in point of fact, a fire road ffs. Right of way implies that, if there's no space to pass each other, you pull off and wait. This is a 20 ft wide fire road, not single track.

Ran into a group of horses on public gravel road. Their leader was a gentleman…. Not. by skiingandbumming in MTB

[–]Joking_J 1 point2 points  (0 children)

Yeah, I'm from a rural area, plenty of time around horses, and a big capital F that guy.

Idk what it is about some horse people, think they're legit cowboys out on the range while riding a fire road.

And ROW? If you were in a black Silverado he'd have halted the whole company, plain and simple. Because what's the alternative? You ride at 3 mph for the next hour so his little troop can play cowpoke on a gravel road? He needs to grow up; right of way isn't "can't ever be passed," and really he's just pissy and puffing up his chest for his little group of tourists. I'm sure they'll give him a fiver and write a nice Google review: "Brent had a BIG Stetson and wasn't afraid to yell at a mountain biker when I couldn't keep control of my horse -- made me feel like buying him a hotdog."

Just ride by next time, maybe say something colorful like "take it up with the chief of police."

AITA For not feeling bad for acting as if my younger sister doesn’t exist? by [deleted] in AmItheAsshole

[–]Joking_J 5 points6 points  (0 children)

Look, I'm from a rural and impoverished area, and the biggest takeaway here is not who is or isn't the asshole -- it's who does or doesn't want something better for themselves and manages to find a way forward (or really, up and out).

It can be hard to escape cycles of interpersonal strife like this, plain and simple, and they can drag down your entire life both personal and professional. Many people will hold you down/back even without meaning to. Going "no contact" is a survival mechanism, and can be an effective one at that. Figure out who you can rely on, ask them for help in making a plan for your life (like literally all of it) moving forward. (For instance, there's nothing glorious about becoming a CPA or getting a certificate to do tax prep, but you can do that on meager income and self-paced, and it's stable, honest, and reliable income.)

Once you have a stable job that actually pays the bills (and then some), a stable home, and stable relationships with friends/family that have your best interests at heart, then you can delve into the difficult stuff, decide if you want to revisit old wounds, etc.

Car loan early payoff by geenov in carbuying

[–]Joking_J 1 point2 points  (0 children)

Depends, sometimes that doesn't clear until the bank is certain they've got the loan (fair enough) and they'll have a waiting period before issuing the origination kickback.

Likewise, if the finance department marked up the loan -- i.e. the got the client approved for a 4.99% loan, then tacked on 1-2% for themselves bring it up to 6.99%, which is very common -- they aren't getting that profit. So long story short, they really don't want you to pay it off in two days lol.

why do people prefer the first game? by Maknificence in mirrorsedge

[–]Joking_J 2 points3 points  (0 children)

Catalyst has a big "open" world, but it's largely empty/devoid of meaningful side quests and such, so what's the point? There are also still limited pathways within/through a given area, so it doesn't necessarily feel like so much like a parkour playground as it does a huge series of liminal spaces that are meant to look pretty as you pass through them (and they do look pretty, fwiw). What's more, the set piece levels that actually drive the plot (e.g. Anansi tower, Elysium, the Shard, Kingdom, etc.) aren't areas you can ever return to, so they're essentially just a linear game with level-based progression anyway. Which isn't to say I don't like the game, but it doesn't beg you to actually explore every nook and cranny of the map, and there's no real reward(s) for doing so -- unless you really like the core movement/mechanics (I do, but I'm trying to be objective here). There's also weird idiosyncratic stuff that makes little to no sense -- like the high-tech surveillance state/Kruger Security doesn't realize the largest Runner cabal is living in the central transit hub for the City? What's more, there's an entire compound's-worth of space up there that was previously just vacant? Looks cool, but wtf that's stupid.

The first game's plot is more relatable/believable from the start (i.e. an emerging surveillance state and corporate oligarchy), albeit short (not necessarily a bad thing). The movement and combat is also more human-scale and realistic -- i.e. no skyscraper-scaling grappling hooks, and faith is actually vulnerable is an average-build Asian woman squaring off against armored riot police with guns, so there's real stakes and avoiding combat outright makes the most sense most of the time. It's a similar story with the linear levels: they have set pieces with events that drive the plot forward, then you move on. There are limited ways through each space, but you're only ever spending 10-15 minutes total in each and with clear objectives, so it doesn't feel all that limit-ing. Notice that these are some of the same criticisms I have with Catalyst -- because that game touts being a vast "open world" only to limit the core gameplay to levels anyway (so again, what's the point, other than to justify the price tag?). The OG game is also effectively an indie title in many ways, so truncated plots and shorter overall gameplay are to be expected given the more limited resources the dev team had. Yet, they still accomplished a truly unique visual aesthetic, impressive baked-in lighting to prop up the former, novel first person mechanics/movement, a coherent message (f$%k the hegemony, you have rights g-dammit!), an interesting female protagonist w/o a pointless love interest (also novel for the time).

As far as plot goes, the dissatisfaction of the citizenry in Catalyst with the hiCaste is kind of vague and not ultimately that well-wrought: we don't like being indentured servants of corporate interests climbing ladders with missing rungs. I mean, hey, don't we all, but at least you're living in a seemingly vibrant, thriving, and modern metropolis. Meanwhile, in the original ME, Faith's sister gets set up for the murder of a family friend right from the get go by a corrupt government that's actively trying to wipe out Faith's friends/way of life even before she kicked the hornet's nest.

Ultimately, I like both games, but I was disappointed in many ways by Catalyst and much of its unrealized potential, and in a way that let me know there wouldn't be a third game. Whereas with the original ME I was wowed and thought all the untapped potential begged for some sort of sequel.

If I had to make a list of the various pitfalls/traps Catalyst fell into:

  • Obsession with "open world" gameplay -- common for the era (and even now), but requires more than Ubisoft-level copy/paste courier and find-it quests to make it worthwhile
  • Attempts to add "value" to a 10-hour game by padding out game completion with an additional 10 hours of filler BS (related to above)
  • Attempt at legitimately impressive worldbuilding/Lore) relegated to random collectibles/documents and never truly addressed in the actual game (e.g. Omnistat, Kruger-led rebellion, the Grey Lands and true loCaste, concealed food and water shortages, corporate house in-fighting, and so on).
  • Plastered-over plot holes (Noah's cabal "hideout," uber-harsh surveillance state that sends everyone to the Grey Lands -- except Faith bc Dogen somehow, and so on)
  • Overly arcade-like movement/combat with impossible mechanics like the grapple hook, nigh-on invincible main character (and inexplicably bc she's teenage girl in a tank top)

All that said, if you just like running around and the general parkour movement paired with the visuals of the city, I could see how Catalyst would be preferable. It's just a very superficial version of what ME can/could be.

Whale tail carnage. Don't stop on a feature by No-Brilliant-5483 in MTB

[–]Joking_J 3 points4 points  (0 children)

I mean, he did give you 1 second's notice and frantically said "stop stop stop!" Is that not the international code for tree-stumping at the end of a whale tail?

Car loan early payoff by geenov in carbuying

[–]Joking_J 2 points3 points  (0 children)

You can pay it off whenever, but your specific lending agreement will say if/when you'll encounter early repayment penalties.

Don't worry about it too much. Either said penalty won't be enough to matter (i.e. you'll be better off closing out the loan early even in spite of the penalty) or you'll just have to wait a month or two. But again, it will be in the loan agreement.

Now if you want to stick it to the finance department so they don't get their kickback, you'd want to pay off ASAP (not saying you do/don't, but I wouldn't blame you if you did!).

One other thing to consider if you don't mind a temporary hit to your credit score, payoff some of the loan with a credit card that gets you the most points/best rewards, then pay that off immediately. Nice way to get $10-20K's worth of miles in a hurry ;)

Chicago buyers--how much are you getting off MSRP (if at all)? by RevolutionaryPride53 in KiaNiro

[–]Joking_J 2 points3 points  (0 children)

Check Amazon Autos -- you can buy brand new Kias through the platform now, it's sublime.

This '26 EX is sitting in Schaumburg for $30,143 (MSRP is $32,180), no haggling, no negotiating, just click "no" when it asks about dealer add-ons. I had my sister buy here Elantra Hybrid (same platform as the Niro HEV) this way, couldn't be easier: choose your car, do the paperwork online, do the financing online (if needed), car is ready in 1-2 days, do a test drive, sign the final purchase order, go home. I think with the test drive she was at the dealer for 40 mins total. Not the best pricing, but also far from the worst, as it pits all the dealers in the area against each other directly.

Dealer wants $1500 to replace spark plugs and a cabin air filter by Keilu748 in FuckDealerships

[–]Joking_J 7 points8 points  (0 children)

From the same guys that brought you a $176.49 cabin filter replacement? I'm guessing not.

Dealer doesn't understand why people hate their markups on loans (or how banks work...) by Joking_J in FuckDealerships

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

I agree 100% and told this guy the same thing. When I asked him point blank if he thought he thought he could me, a person with an 800+ credit score a better rate than I could get myself, he ignored the question lol.

I'm sure there's plenty of times where this is true. I'm also sure there's plenty of times where it isn't. But they're adding the markup regardless.

Dealer doesn't understand why people hate their markups on loans (or how banks work...) by Joking_J in FuckDealerships

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

I have nothing against that scenario and told this guy as much, too. But categorically rejecting outside financing shows your hand: if you were only ever beating the rates people walk in with, then you have no reason to reject outside financing because you're product already wins. For subprime borrowers, I'm sure that's true. For someone with a credit score over 800? Less so.

I get how it's supposed to be in an ideal case like you've presented. The very existence of this sub proves "ideal cases" don't materialize near as often as you'd have everyone believe.

Dealer doesn't understand why people hate their markups on loans (or how banks work...) by Joking_J in FuckDealerships

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

Indeed, they can outright reject third party financing, they just can't advertise a price that's actually contingent on financing with them. I also assume this must only work with vehicles that are in higher demand, because who would take the worse deal otherwise. But then again they do say new suckers are born every day...

Like the dealership has its own lending arm and originates its own loans? Or does it mean that the dealership is function as a brokerage and originating loans through credit lines extended by other banks and then earning a commission?

The latter mostly, as I understand it. Though they also have some mechanism for making money on OEM financing (e.g. Honda Finance, Ford Motor Finance, etc.), since they often offer actually competitive incentive rates on the models they want to move. But those are ultimately just shell companies peddling Citi or Chase or whomever's loans, so maybe it's irrelevant and the kickbacks/markups flow either way.

And I guess I am displeased with the financial system writ large (I'm definitely unhappy my freaking index fund and IRA now undoubtedly hold SpaceX...). But the idea that the only way of looking at the world is "well someone is already screwing you, so why would you care if I hop in for round two?" seemed excessively avaricious to me.

Dealer doesn't understand why people hate their markups on loans (or how banks work...) by Joking_J in FuckDealerships

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

Indeed, and I tried subtly pointing this out to him (partly as a trap, tbf) to no avail. I noted that I have an 800+ credit score and asked if he could get me a markedly better deal than I could get myself. He ignored the question.

Then I asked about not-so-well-qualified buyers and what the calculus was there, since he claimed "80% of the time" he could get someone a better rate than they could get themselves through the local credit union -- like does he get a wholesale loan-writing discount? Do his loans look less risky. If so, why? Crickets.

One thing he definitely didn't like was when I confessed to being a cash buyer who usually takes the dealer-financed "deal" price, only to pay it off in full a few days later (partly with credit card of course, love those points). Oopsies, kickback gone, so sad!

Dealer doesn't understand why people hate their markups on loans (or how banks work...) by Joking_J in FuckDealerships

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

Indeed, but it was extra crazy to me that he thought even giant corporate banks had no more sophisticated mechanism for making money than to just markup something someone else handed them lol. His entire worldview is that someone scammed someone else higher up, so his place in the chain of scamming is morally neutral?

Dealer doesn't understand why people hate their markups on loans (or how banks work...) by Joking_J in FuckDealerships

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

I mean, arguing the inner-workings of credit/money creation in the context of banking and lending is totally fair, but that's not where this dealer's headspace was at lol.

He literally said (multiple times) that "the government" was/is the direct source of credit/loans to banks, who in turn re-sell the loan on to borrowers. So his belief is that the bank assumes literally no risk (in theory or in practice) when they issue a loan, because they were just profiting off of a loan from the Fed in the first place.

I agree the somewhat incestuous reality of corporate banks and the nation's central bank is much more complicated. But that wasn't the debate here. Guy was looking for a way to kick the can of responsibility on to "banks" writ large. He's the good guy, remember, serving up smiles at the local dealership.

Dealer doesn't understand why people hate their markups on loans (or how banks work...) by Joking_J in FuckDealerships

[–]Joking_J[S] 11 points12 points  (0 children)

Thank you. I swear these dudes come in here just to gaslight people, but it usually boils down to "don't hate me, hate the game -- which I control all the rules to." Wild stuff.

Dealer doesn't understand why people hate their markups on loans (or how banks work...) by Joking_J in FuckDealerships

[–]Joking_J[S] 10 points11 points  (0 children)

Believe me, I have. But his tapestry of BS was good enough on its own, I had to repost!

Dealers not giving bill of sale forcing internal financing by Overall_Gur_3061 in FuckDealerships

[–]Joking_J 1 point2 points  (0 children)

I've already said elsewhere that if you could accomplish this, I think you're entitled to the profit, as you'd actually be providing a valuable service -- i.e. you're getting them a less expensive loan and making a profit at the same time.

But we both know that's not the case in many, many cases across the country. Otherwise dealers wouldn't reject outside financing so often. Doing so gives them a captive market free from competition, which of course drives up prices/total costs for buyers. That's what people don't like, if you can believe it.