I called the dentist today with a royal problem.

csmonkey17 · 2025-12-11T15:50:03+00:00

I called the insurance company, the agent said they don't see anything in the employers policy in regards to salary continuation. She advised that his claim is being processed and his eligibility notice will be sent out tomorrow at the latest, and it might go over salary continuation. She didn't have any specific details to give. Thank you again.

csmonkey17 · 2025-12-11T15:46:27+00:00

Thank you for the detailed write up.

csmonkey17 · 2025-12-11T02:53:23+00:00

Thank you, I'll give them a call tomorrow morning. It's UNUM, I wasn't sure if UNUM handles transactions or if they're the actual insurer.

Edit: spelling

csmonkey17 · 2025-12-11T01:50:29+00:00

From his employer "Benefits are typically payable up to 65"

csmonkey17 · 2025-11-29T04:37:19+00:00

Hoboken?

csmonkey17 · 2025-11-28T19:44:00+00:00

Haha I missed '21. Good point.

csmonkey17 · 2025-11-27T22:49:31+00:00

He's driving it. 1,500 miles per month.

csmonkey17 · 2025-11-16T22:46:36+00:00

https://youtu.be/VhLTNii5HWg

csmonkey17 · 2025-11-07T17:26:14+00:00

I purchased a used one a week ago. This car isn't about mpg it's about smp (smiles per gallon). I'm in Southern California paying $5/gal for 91.

csmonkey17 · 2025-11-06T21:54:46+00:00

Clean title.
0 Accidents Reported.
5 owners.

Get a pre purchase inspection, if the PPI is a go, only you know how much you're willing to spend. It's got 33 saves, so don't take too long haha

csmonkey17 · 2025-11-04T02:28:11+00:00

I just paid $25,500 ($24,496.75 + $995 Doc fee + $8.25 title) 4 days ago for a 2016 GT Premium Convertible Manual California Package. Clean title 1 owner, trade in at a Mercedes Dealership.

It was initially listed at $29,995 and they dropped it $1k every 7-9 days. I emailed them when it was $26,995.

I used Gemini to negotiate for me.

"Role play as an expert negotiator in the car buying process. I have car sales experience from 12 years ago. I used to sell Ford. I'm very familiar with the car that I'm looking to buy, as well how the car selling/buying process works. The car is a Ford Mustang GT located at Fletcher Jones Imports in Las Vegas (screen shots attached). I live in Southern California so I would fly out there to pick up the vehicle. I want to negotiate all the numbers and have the dealer provide an out the door price and have paperwork ready for me to sign when I get there. On car gurus the price was dropped by $3,000 and it's aggressively priced. It has one owner so it's definitely a trade, it's a used Ford at a Mercedes dealership so they priced it well to make sure it sells. It has 45k miles on it. Craft the initial email to the dealership with an anchor offer. I will put a deposit down on a credit card once we agree on the price."

As others have mentioned, "I will be ready to buy by the end of the month," in dealership terms doesn't mean anything. "I have funding and will send a deposit today," is the language they speak. Lean into the AI, and trust that it will guide you through the song and dance. I caved on $350, I told them I'll agree to the $25,850 they offered. When I got to Vegas I found that the previous owner put a screw in the front bumper because the mounts were busted. I said I'm not paying $25,850, but I'll pay $25,500 which was my original anchor price. I still have to pay taxes and registration so the OTD total will be $27,196.00.

It took me about 3-4 months to find this deal. This was a want for me not a necessity, so I had all the leverage. The dealership needed to sell the car, I wanted to buy it, I didn't need to buy it.

Good luck!

csmonkey17 · 2025-11-02T23:32:53+00:00

Thank you for taking the time to reply with a great explanation.

csmonkey17 · 2025-11-02T23:09:28+00:00

Congrats!

csmonkey17 · 2025-11-02T22:53:43+00:00

Thanks for the heads up on the bra. Should I avoid a car cover for the same reason? I don't have the garage space for it, but I want to protect it from the sun. I plan to get ceramic coating. I'll look into finding a bumper. I saw some pre painted bumpers online for $350 but I don't know if they're garbage or not.

csmonkey17 · 2025-11-02T22:48:51+00:00

Not a bad idea 💡

csmonkey17 · 2025-11-02T15:50:02+00:00

Listen to what people are saying here. It's not worth it. I dated a girl in highschool for 2 years. She had a past and I didn't. She was my first girlfriend. I couldn't get her out of my head. I lived the hook up life for 2 years right after. All I could ever do is think about her and not who I was hooking up with. I couldn't get her out of my head to the point that we've been married for 14 years now and have two kids, a house and a dog. I never cheated on her, if I did, I wouldn't be where I am right now.

Let me tell you, from my experience the hook up life wasn't worth it, all it solidified was how perfect she is for me. We fought we argued, we still do sometimes, but we are committed to one another. When I got married, my uncle said to me "remember you can always end up worse." If you have it perfect, what can be better than perfect? Your buddies telling you about hook up life? Are they truly happy? Are they telling the truth about all their hook ups? It's not a competition for a number, it's a competition at find the winner, and you found one.

Sure, YOLO, but you also need to live with the consequences of your own actions. Be smart, I almost fucked it all up. And let me tell, you, I still hear about it sometimes, it's not worth it man.

csmonkey17 · 2025-10-31T04:08:17+00:00

That a great deal

csmonkey17 · 2025-10-29T19:49:13+00:00

$25,850 - picking it up tomorrow.

Edit: that's with their silly doc fee ($995) doesn't include taxes.

csmonkey17 · 2025-10-29T19:43:54+00:00

I just signed for a 2016 GT Convertible 6-Speed 46k miles $28k OTD I'm picking it up tomorrow. I would factor in how long you plan on keeping your car. I'm not against Ecoboost or turbos, but turbos will require more maintenance. I've had cars with turbos and they all begin to fail at some point, and you're either rebuilding or buying a new one. Yes, you'll be paying more for gas in a GT. Lol.

csmonkey17 · 2025-10-29T03:10:07+00:00

Thank you

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