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-   -   Cars and Other Driving Machines (http://www.lawtalkers.com/forums/showthread.php?t=24)

Mmmm, Burger (C.J.) 11-17-2004 03:01 PM
Auction
 
Quote:
Originally posted by mmm3587
But can I generally find someone to write me an auto-loan type rate personal loan or a line of credit which can be drawn upon only if you promise to secure the loan with the asset immediately? My article (mumble? 9? 3? yikes...) is rusty, can you even perfect a security interest after the fact?
I forgot all this stuff right after the bar, but if all you have is a line of credit, it's pretty irrelevant what the rate is if you convert immediately to a secured loan backed by the (car) asset. So what if the rate is 15% for two days.

baltassoc 11-17-2004 04:19 PM
Auction
 
Quote:
Originally posted by mmm3587
Also, is there an easy way to avoid paying cash? I suppose cash on hand is not necessary; perhaps the home equity approach is better. But can I generally find someone to write me an auto-loan type rate personal loan or a line of credit which can be drawn upon only if you promise to secure the loan with the asset immediately? My article (mumble? 9? 3? yikes...) is rusty, can you even perfect a security interest after the fact?
Many online financing options will issue a bank draft good up to a certain amount, as does USAA bank (which I use). These work like a check, with the limitation they are only good up to the amount of the limit, printed on the face.

Last time I went car shopping, I called up USAA, who preapproved me for some amount (significantly higher than I was intending to spend) and FedExed me a bank draft good for up to (if I recall) $40k, and for ten days from issuance. I went car shopping over a weekend, found the car, filled in the correct amount, signed it and handed it over. Some places will not let the car go until a bank draft actually clears, but still accepts them as payment (i.e. doesn't require a seperate deposit).

I think E-Loan uses the same system.

Alex_de_Large 11-17-2004 04:54 PM
Auction
 
Quote:
Originally posted by baltassoc
Many online financing options will issue a bank draft good up to a certain amount, as does USAA bank (which I use). These work like a check, with the limitation they are only good up to the amount of the limit, printed on the face.

Last time I went car shopping, I called up USAA, who preapproved me for some amount (significantly higher than I was intending to spend) and FedExed me a bank draft good for up to (if I recall) $40k, and for ten days from issuance. I went car shopping over a weekend, found the car, filled in the correct amount, signed it and handed it over. Some places will not let the car go until a bank draft actually clears, but still accepts them as payment (i.e. doesn't require a seperate deposit).

I think E-Loan uses the same system.
I am a member of a credit union and they handle transactions much the same way. In addition, if you have an outstanding balance, they automatically roll that balance into your new loan, and the new loan's rate.

sebastian_dangerfield 11-22-2004 10:40 AM
Auction
 
Quote:
Originally posted by mmm3587
This is mostly for Sebby, but I'm curious from anyone who knows. My former local "handle all the auction stuff for you" guy died, and, even though I'm not in the market right now, I'd like to have somebody I can reccommend or think about working with when the time comes. Or if I win the lottery. How should I find someone who will navigate all this auction stuff for me?

Also, is there an easy way to avoid paying cash? I suppose cash on hand is not necessary; perhaps the home equity approach is better. But can I generally find someone to write me an auto-loan type rate personal loan or a line of credit which can be drawn upon only if you promise to secure the loan with the asset immediately? My article (mumble? 9? 3? yikes...) is rusty, can you even perfect a security interest after the fact?
My auction guy sets up all the financing at a bank back home where they know me (small town). I just show up and sign some papers.

I'd recommend my guy, but I don't know if you're in the same part of the country. He works nationally, but shipping gets pricey.

NotFromHere 12-08-2004 12:53 PM
Snail
 
Hey Alex, this one's for you. Audi RS4 Wagon.
Who says snails are slow?

Alex_de_Large 12-08-2004 01:21 PM
Snail
 
Quote:
Originally posted by NotFromHere
Hey Alex, this one's for you. Audi RS4 Wagon.
Who says snails are slow?

mmmmm, RS4...

Alex_de_Large 12-08-2004 10:14 PM
Chrysler Cross... fire
 
http://img.photobucket.com/albums/v4...os/642517d.jpg

mmm3587 12-09-2004 04:20 PM
Snail
 
Quote:
Originally posted by NotFromHere
Hey Alex, this one's for you. Audi RS4 Wagon.
Who says snails are slow?
They're still making the V6 biturbo engine abroad, huh? I thought they dropped it when they put the V8 in the S4. What a fantastic motor...

Alex_de_Large 12-09-2004 05:07 PM
Snail
 
Quote:
Originally posted by mmm3587
They're still making the V6 biturbo engine abroad, huh? I thought they dropped it when they put the V8 in the S4. What a fantastic motor...
That's an old ad. If you look, it's the B5 (i.e. old body style) RS4.

NotFromHere 12-10-2004 02:52 AM
Fun with Photoshop
 
Some guys just don't know when to quit.

scroll through the whole thing to see people with too much time

NotFromHere 12-10-2004 06:25 PM
Dodge this
 
WASHINGTON - Federal safety regulators want 600,000 Dodge Durangos and Dakota trucks recalled because their wheels could fall off, but the auto maker doesn’t believe the defect is dangerous, a company spokesman said.

Of course not. Wheels falling off? Not dangerous. At all. Just hope that you're not in the mountains, or on the freeway or anything.

baltassoc 12-10-2004 06:43 PM
Probably should just have left it in there.
 
"Sure twas only a Civic anyway, they should've left it there. The world'd be a better place if more of 'em were driven into the sea."

http://www.boards.ie/vbulletin/showt...stmenu_2097473

Spree: work safe, scroll down to post #9, then check #15 for the eyewitness account.

NotFromHere 12-10-2004 06:50 PM
Probably should just have left it in there.
 
Quote:
Originally posted by baltassoc
"Sure twas only a Civic anyway, they should've left it there. The world'd be a better place if more of 'em were driven into the sea."

http://www.boards.ie/vbulletin/showt...stmenu_2097473

Spree: work safe, scroll down to post #9, then check #15 for the eyewitness account.
Funny. I like the use of eedjit.

And this
http://members.boards.ie/interceptor/borked.jpg

Alex_de_Large 12-16-2004 01:42 PM
Best. Car. Review. Ever.
 
The LA Times reviews the Mercury Montego.

ltl/fb 12-16-2004 01:52 PM
Probably should just have left it in there.
 
Quote:
Originally posted by baltassoc
"Sure twas only a Civic anyway, they should've left it there. The world'd be a better place if more of 'em were driven into the sea."

http://www.boards.ie/vbulletin/showt...stmenu_2097473

Spree: work safe, scroll down to post #9, then check #15 for the eyewitness account.
"Say No Thankyou to Americanised Words in English"

Yeah, well, just say "No, thank you" to failing to leave spaces between words.

But their accents are cute cute cute!


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