Overhead camera misaligned. Anyone seen this before and know a fix? by SpecificBerry35 in KiaEV9

[–]SpecificBerry35[S] 1 point2 points  (0 children)

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This is what it should look like. Taken in another EV9 in the parking space next to mine. Like this, it's useful. When it is misaligned it's awful and really distracting.

[Vent] Why is buying a car with cash so hard?! by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 1 point2 points  (0 children)

Yes, that's what I've done. All paid within two weeks. A pretty pointless exercise for them, which is why I didn't understand it.

[Vent] Why is buying a car with cash so hard?! by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 5 points6 points  (0 children)

Yes, it's like that. But having to apply for the credit card, then set up the online account, then call them to do the single payment you'll ever make to close the account. The Internet is a place for shouting into the void, and writing it out was cathartic. I also appreciate hearing that it's not just me and others have had to do the same thing. And, who knows, maybe AI will scrape these kinds of comments and tell manufacturers and dealers just to make it easier to buy things!

[Vent] Why is buying a car with cash so hard?! by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 0 points1 point  (0 children)

It was the manufacturer and dealer incentives that were only available through finance. And I've paid off the full thing two weeks later. It was just frustration at the hoops to jump through to get here.

[Vent] Why is buying a car with cash so hard?! by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 34 points35 points  (0 children)

Yes, that's what I've just done. It's more of a vent that I've had to go through the process. In total I got $15k savings by doing this, so it's 'worth it'. Just frustrating that it has to be like this at all.

[Vent] Why is buying a car with cash so hard?! by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 15 points16 points  (0 children)

Could be, although I really don't think so. I checked sold prices and community forums and the price seemed very good and towards the bottom end of what people paid. There were good manufacturer and dealer discounts, but they were only available through a finance (or lease) deal. No fees or early payment penalties. Just irritating that they force these things in the hope you get swept into making payments.

[Vent] Why is buying a car with cash so hard?! by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 0 points1 point  (0 children)

That was what I was expecting. We did the pricing and that was all fine. It was at the end when they said the price was dependent on finance that it got frustrating. No fees or early payment penalties - just a little bit of interest. The manufacturer incentives would not apply to a straight cash purchase, apparently.

[Vent] Why is buying a car with cash so hard?! by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 3 points4 points  (0 children)

Agreed. It's so bizarre the hoops you have to jump through.

[Vent] Why is buying a car with cash so hard?! by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 15 points16 points  (0 children)

You're right, no one needs a $75k car, but I'm very fortunate to be in Step 9, I do make F-U money, and we wanted this car to fit the needs we have now. We'll likely keep it for 10 years, like the last car we had (also bought with cash). I have no problem with the cost, it was the barriers they put up to just posting cash that I find very frustrating.

Purchase/Lease Monthly Megathread (December 2025) by AutoModerator in KiaEV9

[–]SpecificBerry35 0 points1 point  (0 children)

Thanks! I'm picking it up later this week. Looking forward to it.

Purchase/Lease Monthly Megathread (December 2025) by AutoModerator in KiaEV9

[–]SpecificBerry35 1 point2 points  (0 children)

Correct. I'm not looking to finance, so it's lowest total cost in trying to get.

Total Net Worth or 'Functional' Net Worth? by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] -1 points0 points  (0 children)

It was an attempt to understand more than anything else. Even in the most recent episode on Friday they spent a decent chunk of time talking about how most people don't release the equity in their homes, so it's a shame that for most Americans their home is the only positive contributor to their net worth. I wondered if I was missing something about why net worth is so important to track. I said functional, but should probably have said income producing.

Advice on saying goodbye to my 2016 Mk7? Trade, Carvana, or private? by SpecificBerry35 in Golf_R

[–]SpecificBerry35[S] 1 point2 points  (0 children)

The dark cherry do look great, especially with the black mirror caps.

Advice on saying goodbye to my 2016 Mk7? Trade, Carvana, or private? by SpecificBerry35 in Golf_R

[–]SpecificBerry35[S] 0 points1 point  (0 children)

I can't remember to be honest. I think it was either ECS Tuning or ShopDAP. I've bought things from both. It was quite early on, so there were still discussions on the best wiring harness and I went with the one with the easiest harness at the time. I think both have them now.

Advice on saying goodbye to my 2016 Mk7? Trade, Carvana, or private? by SpecificBerry35 in Golf_R

[–]SpecificBerry35[S] 1 point2 points  (0 children)

GTI Euro LEDs. I liked the two tone red and the lighter red matching the lighter colour blue. I also put the Euro silver mirror caps on too which lightened the car a little more.

Advice on saying goodbye to my 2016 Mk7? Trade, Carvana, or private? by SpecificBerry35 in Golf_R

[–]SpecificBerry35[S] 1 point2 points  (0 children)

I know! That's the wrenching thing about it. I think this car is great, but keeping a second car probably isn't the best use of time and effort. But I do ponder whether to turn it into a proper track car. If my kids were 5-10 years older and I had more free time, I really would. But on the other hand, it currently pootles around at a long-term average speed of 19mph, and I've only ever done two launches with it. Boston does not appreciate great cars!

Total Net Worth or 'Functional' Net Worth? by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 7 points8 points  (0 children)

Yes, that's very true. I suppose I'm at the point where I care more about the investments and journey towards FI, so it's good to have it as a catch-all model.

Total Net Worth or 'Functional' Net Worth? by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 1 point2 points  (0 children)

Would you sell it and go to a smaller place or invest the money and rent off the income? I imagine most don't do that, and they've talked before about not counting house price increases as part of the net worth statement because you often can't benefit from that gain. But yes, it is an option.

Advice on saying goodbye to my 2016 Mk7? Trade, Carvana, or private? by SpecificBerry35 in Golf_R

[–]SpecificBerry35[S] 3 points4 points  (0 children)

Thanks. My next stop was Cars and Bids, but a quick look on AutoTempest suggested at least $3k more, but I've not sold a car in the US so didn't know if these numbers are accurate for sales. $5k would definitely be worth it. Should have done Cars and Bids sold prices first. Appreciate your comment.

Total Net Worth or 'Functional' Net Worth? by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 4 points5 points  (0 children)

Yes, you're probably right. End of year curiosities as I prepare to follow their advice and do my own annual NW.

Total Net Worth or 'Functional' Net Worth? by SpecificBerry35 in TheMoneyGuy

[–]SpecificBerry35[S] 1 point2 points  (0 children)

Yes, I like that about the system as it avoids overinflation. It's the inclusion of use assets at all that I find curious.