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hey!

Question:

Nothing much to say, spent the day looking for a car… I want a standard *and* a sunroof!  Please!!!!  Found a few standards (not many) but none with a sunroof.  Might have to live without it.  Considered an automatic with a sunroof but I will be driving it for about 10+ years… and I don’t think I can live without shifting.  Anyone else know what I mean?  Or am I just being crazy and not practical?? That’s all today.  Haven’t worn a patch in about a week, after skipping the 14mg and only wearing a couple 7mgs…  I have noticed a few extra "I would like a cig"s in the back of my head but still have the gum so hasn’t bothered me, and I still have about 10 patches if I can just remember to put it on. It has been one astounding month, two cool weeks, five delightful days, 22 awesome hours, 20 joyous minutes and 1 precious second since I smoked, much to my astonishment!  I have mentally mutilated 1747 stinky, nasty, health destroying, joy stealing, death expediators; saving $393.20 to be spent frivilously in Port Aransas, Texas.  Life saved to be spent dancing and singing at the top of my lungs: 6 days, 1 hour, 35 minutes., Thank you God!!!! With hope and heart, Kathleen

Response:

You rock baby! Oh and next time we chat I need to tell you about a new job involving cussing that would fit you just perfectly :) Jessica One day, 17 hours, 28 minutes and 14 seconds. 43 cigarettes not smoked, saving $16.41. Life saved: 3 hours, 35 minutes. – Hide quoted text — Show quoted text – Nothing much to say, spent the day looking for a car… I want a standard *and* a sunroof!  Please!!!!  Found a few standards (not many) but none with a sunroof.  Might have to live without it.  Considered an automatic with a sunroof but I will be driving it for about 10+ years… and I don’t think I can live without shifting.  Anyone else know what I mean?  Or am I just being crazy and not practical?? That’s all today.  Haven’t worn a patch in about a week, after skipping the 14mg and only wearing a couple 7mgs…  I have noticed a few extra "I would like a cig"s in the back of my head but still have the gum so hasn’t bothered me, and I still have about 10 patches if I can just remember to put it on. It has been one astounding month, two cool weeks, five delightful days, 22 awesome hours, 20 joyous minutes and 1 precious second since I smoked, much to my astonishment!  I have mentally mutilated 1747 stinky, nasty, health destroying, joy stealing, death expediators; saving $393.20 to be spent frivilously in Port Aransas, Texas.  Life saved to be spent dancing and singing at the top of my lungs: 6 days, 1 hour, 35 minutes., Thank you God!!!! With hope and heart, Kathleen

Response:

You know what Jess…  I hate to ruin my reputation but I am really working on changing that part of myself.  I am praying that a newbie will step up and take my place in the cussing zone…  but I am feeling much more grounded these days and very determined to be *authentic* – and though the cussing was fun for a while and *authentic*, it’s just not who I want to be. I will write a job description pronto!  And of course, continue  the cussing lessons until a replacment is found. With hope and heart, Kathleen – Hide quoted text — Show quoted text – You rock baby! Oh and next time we chat I need to tell you about a new job involving cussing that would fit you just perfectly :) Jessica One day, 17 hours, 28 minutes and 14 seconds. 43 cigarettes not smoked, saving $16.41. Life saved: 3 hours, 35 minutes. Nothing much to say, spent the day looking for a car… I want a standard *and* a sunroof!  Please!!!!  Found a few standards (not many) but none with a sunroof.  Might have to live without it.  Considered an automatic with a sunroof but I will be driving it for about 10+ years… and I don’t think I can live without shifting.  Anyone else know what I mean?  Or am I just being crazy and not practical?? That’s all today.  Haven’t worn a patch in about a week, after skipping the 14mg and only wearing a couple 7mgs…  I have noticed a few extra "I would like a cig"s in the back of my head but still have the gum so hasn’t bothered me, and I still have about 10 patches if I can just remember to put it on. It has been one astounding month, two cool weeks, five delightful days, 22 awesome hours, 20 joyous minutes and 1 precious second since I smoked, much to my astonishment!  I have mentally mutilated 1747 stinky, nasty, health destroying, joy stealing, death expediators; saving $393.20 to be spent frivilously in Port Aransas, Texas.  Life saved to be spent dancing and singing at the top of my lungs: 6 days, 1 hour, 35 minutes., Thank you God!!!! With hope and heart, Kathleen

Response:

You know what Jess…  I hate to ruin my reputation but I am really working on changing that part of myself.  I am praying that a newbie will step up and take my place in the cussing zone…  but I am feeling much more grounded these days and very determined to be *authentic* – and though the cussing was fun for a while and *authentic*, it’s just not who I want to be. I will write a job description pronto!  And of course, continue  the cussing lessons until a replacment is found. With hope and heart, Kathleen

Ah well, it has to end sometime.  I might cut back too as I don’t want to offend any unsuspecting non cussing person!  Nah, fuck em!  :) Jessica One day, 17 hours, 39 minutes and 37 seconds. 43 cigarettes not smoked, saving $16.49. Life saved: 3 hours, 35 minutes. – Hide quoted text — Show quoted text – You rock baby! Oh and next time we chat I need to tell you about a new job involving cussing that would fit you just perfectly :) Jessica One day, 17 hours, 28 minutes and 14 seconds. 43 cigarettes not smoked, saving $16.41. Life saved: 3 hours, 35 minutes. Nothing much to say, spent the day looking for a car… I want a standard *and* a sunroof!  Please!!!!  Found a few standards (not many) but none with a sunroof.  Might have to live without it.  Considered an automatic with a sunroof but I will be driving it for about 10+ years… and I don’t think I can live without shifting.  Anyone else know what I mean?  Or am I just being crazy and not practical?? That’s all today.  Haven’t worn a patch in about a week, after skipping the 14mg and only wearing a couple 7mgs…  I have noticed a few extra "I would like a cig"s in the back of my head but still have the gum so hasn’t bothered me, and I still have about 10 patches if I can just remember to put it on. It has been one astounding month, two cool weeks, five delightful days, 22 awesome hours, 20 joyous minutes and 1 precious second since I smoked, much to my astonishment!  I have mentally mutilated 1747 stinky, nasty, health destroying, joy stealing, death expediators; saving $393.20 to be spent frivilously in Port Aransas, Texas.  Life saved to be spent dancing and singing at the top of my lungs: 6 days, 1 hour, 35 minutes., Thank you God!!!! With hope and heart, Kathleen

Response:

- Hide quoted text — Show quoted text – [cardealers] Why do they insist on knowing all my personal business?  Why can’t I just say "It’s none of your fucking business!"?   You can! Last time I bought a car from a dealer, I did 2 things which made my life a LOT better (and which got me a great price on a new Honda Civic hatchback, standard transmission. <g) 1. Got a loan from my credit union before I ever walked in the door of the dealer. "No, I don’t need financing, thank you." "No, I’m not interested in your loan(s)."  "I’m sorry, but the rate on my loan is really none of your business."

The reason many car dealers ask about your loan rate is because most banks give dealers "special" loan rates they don’t offer the general public. If they find out that you went to one of those banks and got that rate (or better), then they’ll probably complain to that bank and maybe even stop dealing with them at all. Also, what many people don’t know about those "special" rates is that the dealer "pads" those rates. In other words, say the bank gives them the rate of 5%. They turn around and give you the rate of 9%. The dealer makes a profit of 4%, above the profit they already made on you. Unfortunately, the last car I bought I went directly to my bank first and inquired about a car loan. Believe it or not, they wouldn’t discuss it with me! They said the car lot would have to contact their "dealer center". I said I wasn’t buying it from a lot, but from an individual (lie, of course). After a sigh and an eye roll, I was told that I couldn’t get the loan based on "insufficient collateral". The only way they would finance it was if I put $2000 more down on the car. Amazingly, that very same bank approved the loan, for the original amount, when submitted to them by the dealer.  Well, kiss my ass, I financed it through another bank and moved all my accounts there. I think I would rather strip down naked and run screaming through the center of town than to go through the hassle of buying a car. ~Rosie

Response:

Unfortunately, the last car I bought I went directly to my bank first and inquired about a car loan. Believe it or not, they wouldn’t discuss it with me! They said the car lot would have to contact their "dealer center".

Good for them!  It’s called protecting the interests of those who are acting as your agent(s).  I would expect nothing less than this from the builders that we represent. It goes like this:  I’m in business and I act as the liason between the delivery of certain goods and services and the person who needs them (in my case it’s guitars, but in your car dealer/bank scenario it’s the financial service that’s being offered/agented).   As the builder’s agent, I have absolutely no incentive to represent anyone’s product who undercuts me when dealing on their own with the general public.  In fact, I have negative incentive for doing so, because I’m spending my resources to present their products to the public and then being undercut by the very person I’m representing.  It doesn’t make good business sense.   So, if the builders I’m agenting are offering their wares to my customers at a price that’s lower than their advertised list price, I most certainly want to know about it, and I won’t do business with that particular builder again, because that builder is dealing with me in an unethical fashion.   The builders that I represent don’t play the game of competing with their own agents, because it’s not ethical or wise.  Questionable cases (where our customers browse here and then try to get a better price by going directly to the builder) are referred back to us so that we can make whatever sale we have rightful claim to– because that’s what we do for a living. I don’t think what the bank was doing in this case was any different, though it’s not apparent to you, the customer, who only wants to get the best possible rate on your loan.  Just like it’s not apparent to my customer, who just wants a good guitar at the best possible price :) Hugs, elle

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