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Oh the price of freedom.

H

H

Cyburbian
Messages
2,850
Points
24
***WARNING**** RANT

AHHHHHHHHHHHHHHHHHHHHHH!!! Another frichen ticket tonight, so there goes my insurance premiums trough the roof. I barely drive 20 miles in a week but yet this stupid car is like a brick on my wallet (and I don’t even have any car payments).
 
jordanb

jordanb

Cyburbian
Messages
3,232
Points
25
 
H

H

Cyburbian
Messages
2,850
Points
24
Tranplanner said:
Whadja do, H?
Click to expand...

I allegedly failed to stop completely at a stop sign. I have been speaking with people at work today and I have decided to go to pretrial to see if I can get rid of the points.

Apparently the worst-case scenario of a pre-trial is everything stays the same and you waste a morning, so I will give it a go.

I will post an update after my pre-trail.

Jordanb I would love to be solely dependent on public transit, and I do use it frequently. However, I occasionally need (both for work and personal reasons) to go places that public transit won’t take me. So, unfortunately, I must keep the car around. :(
 
Duke Of Dystopia

Duke Of Dystopia

Cyburbian
Messages
2,713
Points
24
H said:
Jordanb I would love to be solely dependent on public transit, and I do use it frequently. However, I occasionally need (both for work and personal reasons) to go places that public transit won’t take me. So, unfortunately, I must keep the car around. :(
Click to expand...

Thats no excuse in JordanB's world. He wants you to borrow a car from some faraway public storage area where communal cars are stored. Since you only need it a few times per week or so, you are supposed to waste half a day each way to get it. No info given on what happens if the cars are all taken when you need it.

Good luck on fighting it though! :)
 
Cardinal

Cardinal

Cyburbian
Messages
10,080
Points
34
I've gone to court over tickets. The last one, a couple years ago, the judge did not assess points. I think it helped that the person before me was very rude and was even threatened with a fine for contempt. I got up and made it a point to be extra polite. It had also been three years since I had my last ticket.
 
Wannaplan?

Wannaplan?

Bounty Hunter
Messages
3,228
Points
29
Duke Of Dystopia said:
Thats no excuse in JordanB's world. He wants you to borrow a car from some faraway public storage area where communal cars are stored. Since you only need it a few times per week or so, you are supposed to waste half a day each way to get it. No info given on what happens if the cars are all taken when you need it.
Click to expand...

Where did he post that one? That sounds unreasonable! Telling people how to think... THE SHAME!
 
Budgie

Budgie

Cyburbian
Messages
5,270
Points
30
Jordanb I would love to be solely dependent on public transit, and I do use it frequently. However, I occasionally need (both for work and personal reasons) to go places that public transit won’t take me. So, unfortunately, I must keep the car around. :( [/B]
Click to expand...

Depending on how often you need a car, it might pay to rent a wreck occassionally instead of owning.
 
Duke Of Dystopia

Duke Of Dystopia

Cyburbian
Messages
2,713
Points
24
Wanigas? said:
Where did he post that one? That sounds unreasonable! Telling people how to think... THE SHAME!
Click to expand...

:) It was in some other thread a number of weeks back. The discussion was one of those about Mega cities vs cities and requiring flexible transport in the US. Don't remember which one. If it works for him thats cool. :)

I drive 3K to 4K a month so it pays for me to have a car.
 
jordanb

jordanb

Cyburbian
Messages
3,232
Points
25
Generally, the idea behind the car share is that A) there are numerous locations around the city where cars are stored so you don' t have to travel far. I could walk to the location nearest me in about twenty minutes (or take the train or bus in 10-15) and B) They make sure there are enough cars to handle the number of people who need them in all but extreme cases, but the program also has a relationship with rent-a-car places in case it needs more (or you need the car for an extended length of time).

At any rate, the program in Chicago is pretty shitty, it's almost as expensive as getting a cab, so people just do that. In other places, like San Francisco and Philadelphia, it has gone off pretty well.
 
H

H

Cyburbian
Messages
2,850
Points
24
Budgie said:
Depending on how often you need a car, it might pay to rent a wreck occassionally instead of owning.
Click to expand...

You bring up an excellent point and this is a good solution and I actually have/am considering doing this in the near future. Without going into great detail, I will just say that I am waiting on a few (professional) outcomes before making any life changing moves right now. I am currently in that limbo stage and need to have the car handy, but I foresee the thing being sold (without replacement) in the next 6 months. :)
 
Budgie

Budgie

Cyburbian
Messages
5,270
Points
30
This is my plan too.

H said:
You bring up an excellent point and this is a good solution and I actually have/am considering doing this in the near future. Without going into great detail, I will just say that I am waiting on a few (professional) outcomes before making any life changing moves right now. I am currently in that limbo stage and need to have the car handy, but I foresee the thing being sold (without replacement) in the next 6 months. :)
Click to expand...

I might be days from this change. My segway helps me out alot.

"You have taken your first step into a larger world." Obi-Wan Kenobi
 
Budgie

Budgie

Cyburbian
Messages
5,270
Points
30
Re: This is my plan too.

Budgie said:
I might be days from this change. My segway helps me out alot.
Click to expand...

As of December 1st, all of my in-town trips will be carless. And in 6 months, one of our cars will be obsolete and disposed of properly along with insurance, gas, tags, taxes, repairs, maintenance, etc.... I'll be able to buy my dream home. HA !!!!

If owning your own home is the american dream, I think cars are the antithesis of the american dream.
 
Rumpy Tunanator

Rumpy Tunanator

Cyburbian
Messages
4,473
Points
25
Re: Re: This is my plan too.

Budgie said:
And in 6 months, one of our cars will be obsolete and disposed of properly along with insurance, gas, tags, taxes, repairs, maintenance, etc.... I'll be able to buy my dream home. HA !!!!
Click to expand...

This doesn't have anything to do with fire does it?
 
H

H

Cyburbian
Messages
2,850
Points
24
Re: Re: This is my plan too.

Budgie said:
As of December 1st, all of my in-town trips will be carless. And in 6 months, one of our cars will be obsolete and disposed of properly along with insurance, gas, tags, taxes, repairs, maintenance, etc.... I'll be able to buy my dream home. HA !!!!
Click to expand...

Right on!!!
 
jresta

jresta

Cyburbian
Messages
1,474
Points
23
Re: Re: This is my plan too.

Budgie said:
As of December 1st, all of my in-town trips will be carless. And in 6 months, one of our cars will be obsolete and disposed of properly along with insurance, gas, tags, taxes, repairs, maintenance, etc.... I'll be able to buy my dream home. HA !!!!

If owning your own home is the american dream, I think cars are the antithesis of the american dream.
Click to expand...

It's all about those "Location Efficient Mortgages". We're marketing them here with Citizen's Bank and Fannie Mae. We've got the ads up already. It's a picture of a train station and it says: "Looking for a house? Look for one of these!"

In case you don't know, If you agree in writing to limit yourself to one car for a specified number of years the bank will factor the absence of car expenses into the size of your mortgage. I think it normally winds up being 20% extra that they'll let you borrow.
 
Budgie

Budgie

Cyburbian
Messages
5,270
Points
30
Re: Re: Re: This is my plan too.

jresta said:
It's all about those "Location Efficient Mortgages". We're marketing them here with Citizen's Bank and Fannie Mae. We've got the ads up already. It's a picture of a train station and it says: "Looking for a house? Look for one of these!"

In case you don't know, If you agree in writing to limit yourself to one car for a specified number of years the bank will factor the absence of car expenses into the size of your mortgage. I think it normally winds up being 20% extra that they'll let you borrow.
Click to expand...

I love LEMs, their truly an economics based common-sense approach. I've posted this opinion on these boards several times. I think a developer will offer LEMs on downtown condos and the Condo comes with a Segway (or two) and transit passes. Why housing marketing hasn't done this yet is beyond me. A TDM based on this approach coupled with employee incentives and reduced parking requirements could go along way and make sound fiscal sense. IMO
 
H

H

Cyburbian
Messages
2,850
Points
24
Re: Re: Re: This is my plan too.

jresta said:
In case you don't know, If you agree in writing to limit yourself to one car for a specified number of years the bank will factor the absence of car expenses into the size of your mortgage. I think it normally winds up being 20% extra that they'll let you borrow.
Click to expand...

Does Fannie Mae give you ratio credit or do they just not count it against your debt ratio? I mean how would they count not having a car payment any different then counting not having a credit card payment? All it does is improve your debt ratio.

Plus, there is no way they could enforce this should you sign and change your mind and buy a car the day after your loan closes.
 
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