Filed under: Being Mere
God, I hope so!
Actually after such a crap day yesterday, last night turned out to be pretty good. A guy emailed me about buying the elliptical I have on Craigslist. After dealing with the car debacle I was in NO MOOD to negotiate. He offered me $100 and I just said no.
Then he came back that he played soccer with my “son” in high school and $150 for the elliptical. I said “He is my brother and $175 and just come over and see that damn thing”.
And he did! He was the NICEST guy and I apologized for being such a bitch on email. I guess I went to school with 2 of his brothers and with him. I remember the names, but not the guys.
Anyway, his brother wants to move back here, so I need to find him a job with a local PD and then I can sell him a house. Wheeee!
**
The car girl called me back. She had screwed up the residual value and THAT was why the payment came back almost $200 more. And I have to wonder what was she thinking when the number popped up on the computer? That the computer is never wrong? It took her all day to figure out it was not right? Geez, I knew in 10 seconds it wasn’t right.
Anyway…they payment is now $409. And I am thinking of dumping the leather to get it back down to $380. Dunno.
**
Filed under: Uncategorized
Got home from Bootcamp with pants and shoes and socks so wet I stripped down in the garage. Naked, I entered the house to find 2 hungry cats that were very confused by a naked momma walking in.
Then I promptly closed my finger in the door and started to cry.
It was going to be a great day.
I went to work for some meeting…only no one else showed. So I went to ask my manager about it and instead I got the short version of the meeting including pep talk from her. She told me my office costs her $26K a year and I OWE HER more escrows.
Which I do….so I now have to go to work every day. No more moping at home in my PJ’s wondering why people don’t want to buy houses. Hm.
I went to Mini with a pre-negotiated deal for a car of about 26K and payments of $380 (this supposedly had ALL the terms I wanted, in fact I wrote it all down). She brings me back a payment of $400 and 10K miles a year – which does not work for me. I need 15K miles. She comes back with numbers for 15K at $555/month. She is NUTS! I have a car 10K+ more expensive that I pay less on. Freak.
So now I am applying for a loan to just go buy one – not from her obviously.
Harry Potter came today, so I will be otherwise occupied for the next few nights.
Filed under: Being Mere
I am at an open house today, bored out of my mind, perched on the stairs because there is no furniture, so I keep checking my email on my Treo.
I start getting all these weird emails from MySpace – and my first thought is why would people phish for MySpace log ins….you can’t make/steal money from that, can you?
25 messages later I am irritated and confused. They seem to be comments to a MySpace profile, so I go to MS and search for my email address – anyone who knows me, will know my real email and can go search it. There is a profile and it is some 16 year old in North Carolina. Sigh….
So I email MySpace that they need to remove MY email from this profile. Then I go through the comments and I see that there is an email confirmation email, which has not been responded to….and an email with her password, which is, appropriately enough, Cheer2010.
Gag me.
Anyway….I go into her profile and I change it all. I blocked all of her stupid friends, since all this shit is hitting MY inbox and I change her “about me” to tell her to change the freaking email address, pronto.
Then I changed the password. heehee.
Then I deleted her pictures. I would be meaner, but I am so not into MySpace and I am not going to waste time learning how to change the rest of the bullshit.
Drama.
Oooh..but I just figured out how to delete the profile….should I ? I certainly do not want MY email searchable on MySpace. Hm….maybe I will give the child a day to apologize.
Sat:
I decided last minute to join some girlfriends on a little trip to Sonoma. 5 of us, in traffic, in desperate need of wine. And maybe one of the best afternoons I have enjoyed in quite awhile. We had quite a bit of sparkling wine, a cheese plate, and free tastes at a winery with a pond and the biggest carp I have ever seen. And more laughs than should be legal. So much fun!
**
Fri:
I watched a movie of the first 10 minutes of my new nephews life this morning. And I cried and cried. He is huge! And not pretty! I mean, not baby funky – but he sort of looked like he had been in a fight. The kid is going to be a giant – his feet are huge, his arms are long, his chest is barrel shaped. The kid inherited The Butt, I am sure – the curse that my Dad passed onto my brother and myself….my brother’s daughter missed it (thanks god!) but this kid…he will be solid.
**
Thurs:
My credit score shot up 80 points this week. I am totally over this credit score bullshit – it is all a scam, I am convinced. How can it go up when I am applying for car loans? Does that even make sense?
**
Fri:
I had a really hard day today that encompassed reading outside in the sun, jalepeno artichoke dip, an America’s Next Top Model marathon and a nap.
**
Thurs:
Bootcamp is trying to make a runner out of me. I usually find that I stop out of boredom – not necessarily because I am sucking wind. We have been spending a few minutes a session doing sprints, and I am REALLY enjoying that. And then I wonder what happened to Mere, where did she go? Our next mile is in a week, and I am so scared I won’t cut my time!
**
I have crossed a line.
Tonight marks the 5th night in a row I have had to listen to fat jackass 20 year olds do cannonballs in the pool and I am SO. DONE.
I called the police. Well, first I told them the pool is closed and to leave. I got drunk “But we’re VIP” bullshit back. So I called the cops. About 15 minutes later the police showed and the jerkoffs left.
I hate to be a narc, but it isn’t like it is raging hot outside and this is the only way to cool down. And if they were just quiet, I would not care – but they are noisy. And I am old. And want to sleep.
There is a sense of entitlement that comes along with homeownership. I pay $225/mo for the use of that pool and its upkeep. And it closes at 10. And they are assholes from the apartments across the street. They do nothing but leave their beer bottles behind.
I am scrooge. And I love it.
Filed under: Being Mere
So….the guy from SF finally emailed me. His money factor is .00374-.0040. He is SO full of shit.
A little leasing info – the lease is made up of 2 factors – the MF which I believe is directly related to the interest rate you are paying and the residual value or the value they estimate the car to be worth at the end of your lease. Leasing is paying part of a loan – the part you use for that 3 years.
Anyway, there are websites out there that will publish the numbers. The info I had said the MF should be .0024-.0030 and the residual value is 67%. Then I found a guy who said it was .00335.
I completely wrote Mr. SF off since he is smoking dope. But my little local gal called and said I needed to start dumping options because she could not get it for me under $400. In fact, she put me in the mid $400’s. I called her back and told her what I had found and that with my calculations (thank you, edmunds.com) I was in the $380 range without tax.
She asked what my top dollar was and I said $400 per month including tax.
She got me at $380 including tax. She got me 68% residual and it looks like a .0030 MF.
SCORE!!!
And she said my credit score was 750 – and I just bought all 3 credit scores and know it isn’t. So I am still waiting for the other shoe to drop. But I think I need to get in and sign everything ASAP!
Now I need someone to buy my damn car!!! Wanna buy my car?
Filed under: Uncategorized
My current position over my laptop.
Why you may ask? The latest obsession – the Mini Cooper. Yesterday I found my dream car. THE ONE! Sure, it had about $1000 worth of accessories I did not want (and I am pretty sure they charged $1900 for a $1500 item – BASTARDS!!!), but it was as close to what I want as I have seen live.
The really nice sales guy ran some numbers for me. I liked him. A lot. I want to buy my car from him. But he gave me a payment of $480 or some such shit. I sort of choked when he told me that number. less than I pay now but not low enough for a compromise.
I have emailed him for the money factor and residual value – and I wait for my response.
I want this car….I want this car….but not for $480/month. This is where I turn into the bargainer. I pay retail on everything except cars. I do my research and I know what I should be paying.
At his price (with $1500 bullshit fees on it) I would be paying $424
At MY price – which is MSRP – $399 without tax. So maybe $420? A full $100 less than I am paying now for the Acura.
The car I want, as I want it, would be $379 without tax. Are you people feeling me? In this day and age, why do these dealers play these games?
So here I sit – with 4 irons in the fire , waiting for a response from at least ONE of them.
Filed under: Being Mere
I am in the market for a new car. One that looks something like this:
The big problem is that this is a sporty car – you feel the road. And I am spoiled by my smooth riding Acura. And the salesgal keeps trying to explain it to me and I just can’t seem to hear her. Sigh…I am pig-headed.
I really just want what I have but for less money. Why is that so freaking hard? Why aren’t seat warmers standard on EVERY car?
In other news, I got a bite on my car and the guy was going to come see it today. Except that my battery died. nice, huh?
Filed under: Being Mere
Elliptical trainer – listed for $300
Car – listed for $4000 over Kelly Blue Book
Posting for a roommate- listed for $700/month – which is a bargain to live with me, right? The thought makes me gag – but if that is what it is going to take to get through this slow period, I guess I have to suck it up.
Date – last night.
A few weeks ago, I had posted one of my snarky late night ads and he responded. We chatted, he was funny, he was busy for the next 4 weekends and I go to bed at 9 on weeknights (bootcamp), so I sort of let it die. He emailed yesterday and we decided to meet up.
We met at Nola’s in Palo Alto, where we both had a drink and noticed the hoards of people walking towards University Avenue. We decided to check it out. Whatever was going on was sort of lame, but when we got to Borders we realized it was the Harry Potter release in a few hours. We went and grabbed a bite and some more booze and grabbed a bench to watch the freaks dedicated fans. We saw wizards, and lots of Harry’s and some witches. Then the storm troopers showed up and we could not stop laughing.
Anyway, it was a good date – which I am hesitant to say because you KNOW it means there won’t be another one.
I am showing the car to someone tomorrow, and I have a lead on a roomie…now if someone would just buy the damned elliptical!
