I got profiled and discriminated!

I knew a guy who used to live out west and got a job working as a salesman at a GMC dealership. Some dude came in looking at new Yukons wearing dirty jeans and a ragged shirt. None of the salesmen would give him the time of day, so the guy I knew was like whatever, went and talked to the guy and ended up working a deal on one. When they went to sign papers, he realized that it was Don Henley. He gave a him a nice little tip and thanks him for helping him out when no one else would.
 
StretchASU said:
NO. When it makes sense, I will use their financing to cash in on any rebates and financing deals available. In some cases the dealer will get charged back if you walk out and refi or pay cash within a certain amount of days. At one point I know Chrysler Capital would do this within the 90 day mark. When I bought the Ram I had a handshake deal with the finance manager that I wouldn't pay off or refi within that window because he maxed out my rebates using CC vs my bank. Granted the points difference was more, but the amount financed was considerably less after their rebates and I had no intention of letting the loan go full term.
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I've never financed through a dealer - do they have a penalty or fee is you turn around and immediately pay it off? E.g. reneg on that handshake deal.
 
RatLabGuy said:
I've never financed through a dealer - do they have a penalty or fee is you turn around and immediately pay it off? E.g. reneg on that handshake deal.
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That’s one of the questions I’ve always asked ‘a prepayment penalty’. Financed the wife’s expedition, to get a killer dealer rate, paid it off in 18 months. Didn’t want to tie up cash, so only put $500/1000 down…gap insurance is required there…so when you pay off early, don’t forget to request to be reimbursed. Same thing with my Navigator, except I put 40% down during crazy Covid times…paid it off after 16 months…no gap on that one, but no penalty.
 
I’m not loaded by any means but my wife and I have a 6 figure house hold income and live well under our means and source as much as we can off our farm. I have a ratty beard (now that I’m out of the army) and daily some old Liberty bibs, whatever T-shirt I grab, and a ball cap. Drive a shitbox ‘89 Toyota I gave $500 for 6 yrs ago or my ‘98 12 valve. Yeah, I get looked at sideways all the time. Especially being so close to pinehurst and southern pines. I find it hilarious. Fuck people.
 
UTfball68 said:
That’s one of the questions I’ve always asked ‘a prepayment penalty’. Financed the wife’s expedition, to get a killer dealer rate, paid it off in 18 months. Didn’t want to tie up cash, so only put $500/1000 down…gap insurance is required there…so when you pay off early, don’t forget to request to be reimbursed. Same thing with my Navigator, except I put 40% down during crazy Covid times…paid it off after 16 months…no gap on that one, but no penalty.
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oh man I forgot about gap insurance.
I would finance only to either get a good deal or because I was getting a much better rate with that money invested then the loan rate.
But I would think the required gap insurance would very quickly eat up any difference saved from keeping it invested.
 
RatLabGuy said:
oh man I forgot about gap insurance.
I would finance only to either get a good deal or because I was getting a much better rate with that money invested then the loan rate.
But I would think the required gap insurance would very quickly eat up any difference saved from keeping it invested.
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Pretty much what @UTfball68 said in his first response. I always ask the question about prepayment etc. At the time I bought the 3500 I had a good friend that was working as the Finance manager for another Chrysler dealer and he gave me the behind the scenes look at it all which is how I knew about the chargebacks to the dealership. It varies between lenders and brands.
 
Ron said:
About two years ago we bought Lin a new car/suv/crossover.

She really liked the little Porsche Macan had a specific color, trim whole deal in mind. Google search showed a dealership an hour south had exact what she wanted so we set off to check it out and test drive it.

Summer time - I had on a pair of shorts and a nice t shirt and her about the same. It toook us hunting for a sales rep to help us and the second or third one we asked to actually try and help us. He tried to usher us over to the used car section. Then probably the most offensive bs line I’d heard at a car dealer. “We can’t even get the keys to let you sit in it much less test drive until we run a credit app and verify income. “
Even if I’m paying cash?
I’m afraid so. Ok. She wants to test drive this. We do it your way. A few minutes later they ask if we are sure we don’t wanna look at the cayenne since it’s roomier than the macan (and more expensive )…
We did the test drive and then on our way. Told the GM I wouldn’t buy because of the way I was treated.
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Same story with Lisa and I at the Ford dealer near Clemson 4x4. Pulled up in whatever beater XJ I had at the time. Had been hiking at Oconee all day. Salesdooder wouldn't give us the time of day. Wouldn't let us test drive the new Expedition or the new F350 we ended up buying elsewhere a week later.
 
skyhighZJ said:
I’m not loaded by any means but my wife and I have a 6 figure house hold income and live well under our means and source as much as we can off our farm. I have a ratty beard (now that I’m out of the army) and daily some old Liberty bibs, whatever T-shirt I grab, and a ball cap. Drive a shitbox ‘89 Toyota I gave $500 for 6 yrs ago or my ‘98 12 valve. Yeah, I get looked at sideways all the time. Especially being so close to pinehurst and southern pines. I find it hilarious. Fuck people.
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I think you're wonderful. Don't let society beat ya down
😘
 
skyhighZJ said:
I’m not loaded by any means but my wife and I have a 6 figure house hold income and live well under our means and source as much as we can off our farm. I have a ratty beard (now that I’m out of the army) and daily some old Liberty bibs, whatever T-shirt I grab, and a ball cap. Drive a shitbox ‘89 Toyota I gave $500 for 6 yrs ago or my ‘98 12 valve. Yeah, I get looked at sideways all the time. Especially being so close to pinehurst and southern pines. I find it hilarious. Fuck people.
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aibileen-the-help-2012-4951 (1).jpg
 
RatLabGuy said:
oh man I forgot about gap insurance.
I would finance only to either get a good deal or because I was getting a much better rate with that money invested then the loan rate.
But I would think the required gap insurance would very quickly eat up any difference saved from keeping it invested.
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I guess it would depend on when you plan on paying it off and how you utilize the available liquid cash. I usually finance 60 and usually have it paid off inside of a max 24 months, minimum 36 months of gap reimbursed at pay off. If I invested the theoretical $5-10k in down payment money in the market, you’re probably right. But I rarely invest cash like that into the market…it would be invested in a revenue generating asset. At that time, my buddy needed a few extra bucks for a down payment on a concrete pump…cashed out and doubled my money before the car was paid off at the 18 month mark.
 
DSM Turbos said:
I refuse to dress nicer than flip flops and a t shirt. If they judge me though they are probably right 😂
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Mon-Sat I'm usually in an old T shirt and shorts.One or both will be oil stained and drive an old truck that you have to unlock the ds door from the ps.I quit caring a long time ago.
 
Jody Treadway said:
I think you're wonderful. Don't let society beat ya down
😘
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They don’t and that’s the fun part. Watching the looks I get and walking by them and saying “good afternoon ma’am” or “good morning sir”. “Hope you have a good day” in very clear and annunciated English as they stand their jaws agape.

The other night my wife and I got done late with farm chores after waiting for the rain to quit. We were both starving (and looking like proper hell) and I was jonsing a certain Ruben sammich from a “nicer” establishment in SoPi so we loaded up in my hoopty Toyota cause her truck had the big trailer hooked up and my Cummings was loaded with lumber. We walked in the place like we owned the joint and the folks waiting looked at us like street people while we went up, sat at the bar and got first rate service from the bar tender who we know very well. The one couple kept just staring and talking throughout the time we were there and I REALLY wanted to buy their dinner with some sort of note of mind your own business but my wife talked me off it saying it could reflect poorly on the establishment so I left it alone.

Gonna make that happen before I leave this damn area though.

Another reason I’m selling and moving to the hillbilly land. Tired of judge mental assholes and how they effect the environment around here.
 
skyhighZJ said:
They don’t and that’s the fun part. Watching the looks I get and walking by them and saying “good afternoon ma’am” or “good morning sir”. “Hope you have a good day” in very clear and annunciated English as they stand their jaws agape.

The other night my wife and I got done late with farm chores after waiting for the rain to quit. We were both starving (and looking like proper hell) and I was jonsing a certain Ruben sammich from a “nicer” establishment in SoPi so we loaded up in my hoopty Toyota cause her truck had the big trailer hooked up and my Cummings was loaded with lumber. We walked in the place like we owned the joint and the folks waiting looked at us like street people while we went up, sat at the bar and got first rate service from the bar tender who we know very well. The one couple kept just staring and talking throughout the time we were there and I REALLY wanted to buy their dinner with some sort of note of mind your own business but my wife talked me off it saying it could reflect poorly on the establishment so I left it alone.

Gonna make that happen before I leave this damn area though.

Another reason I’m selling and moving to the hillbilly land. Tired of judge mental assholes and how they effect the environment around here.
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Y'all head up my way anytime you want to. I'll show y'all a good time while you and I practice our "screw you" look at judgemental folks.
 
skyhighZJ said:
They don’t and that’s the fun part. Watching the looks I get and walking by them and saying “good afternoon ma’am” or “good morning sir”. “Hope you have a good day” in very clear and annunciated English
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Ha. I dunno man. We've broken bread together, and you sound like you're from up north :flipoff2:
 
When I worked retail car stereo sales at Circuit City I watched guys go broke. Someone would walk in with tattoos and piercing and guys would jump on phone or go on break. I quickly learned these are the people that spend money on what they want when they want. My first year in college working full time I made more that mom and dad combined not over looking the "people that have no money" stereo type most gave them. Some of these same customers are now my customers on the tool truck and still doing business with me because I put my pants on the same way they do!
 
There was an old farmer in Cleveland County namwled Mr. Peeler. He drove around in an old 70s Dodge pickup with a hay spear in the bed. He always wore denim overalls, and workboots. He owned hundreds of acres all over the county. He looked like he crawled out of a basement.

Roger's a Pontiac and Carter Chevrolet used to be next door to each other. He drove his old Dodge up to Roger's, and parked in front of the door. A salesman came out yelling that he couldn't park it there. Being ornery, he left it, and walled over to Carter, and was welcomed inside. He bought a new truck, and wrote a check for it. Then he asked the sales manager to call over and tell Roger's how much they screwed up.
 
My dad has a business acquaintance. The guy was the CEO of Shell Oil Company. A Multi millionaire many times over. I went out to Texas to visit my parents and go fishing with my dad. He didn't quite have the right fishing gear and his buddy offered his tackle. so we head over to his house to meet up and borrow some items. We pull up to a nice house on a lake and I follow my dad and he's walking out to the dock where there's a pontoon tied up and some dude in cut off jeans shorts and no shirt standing in the water staining/sealing the wooden dock. Yep, it's this multi millionaire that could probably pay to have his dock rebuilt everyday of the year, out there maintaining his stuff, standing in the muddy water. He climbed out, took us fishing for a an hour and loaded up the car with everything we'd need for our weekend trip. Oh and I thought is was funny that this CEO of an oil company had an Electric Outboard motor on his boat. :D

One of my favourites is that I hired a guy to work on animatronics and help us design better and more innovative animations. He comes in everyday wearing Hawaiian shirts with machining and fabrication stains on it.He's the nicest of people. He comes for 45 years in the movie industry creating animations and special effects for movies. some that I think would be safe to safe 95%+ of you have seen and know. the alien creatures from the movie The Abyss, The flying Gremlin from one of the Gremlin movies, The Twilight Zone the movie opening, and my favourite, the T1000 Arnold Schwarzenegger Robot from T2. Among many others. Through his many years in the industry he has racked up quite a fortune (10's of millions) and I didn't know this until a couple of months ago. I never suspected that this hourly wage guy was so well off. I asked him why he's there working for me and he said that when he heard my vision of where I want to take the business and what I think it needs, it excited him and he believed in it and just wanted to be a part of history for the business. If I wasn't doing this, or if I left or otherwise didn't pursue this dream, he'd be gone. He actually delayed 2 projects to come here. One for Netflix and one for MTV. One of those projects pays about $25K/wk. ...and he wants to follow me and help me. He's awesome and he's an inspiration. If you're interested; halmiles.com
 
Can we talk about the opposite?
48yo marketing director guy at work that drives a brand new RS7, Armani suits every day, Mastercraft boat, lives in a 750k house, wife is a professional stay at home Amazon shopper, probably makes 200k/year annnnnnnnnnnd complains in the breakroom that he can't make ends meet.
Always makes me laugh.

Also, he's great at licking asses so I predict him a bright future in the company, where appearances is all that matters.
 
mbalbritton said:
Oh and I thought is was funny that this CEO of an oil company had an Electric Outboard motor on his boat. :D
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Really off topic, but Big Oil loves renewable energy. Sounds pretty odd doesn't it? When shade comes over, or wind stops, the traditional methods have to be there to power the grid. Power plants can't just idle then be turned up on a moments notice.

www.salon.com

Why Big Oil loves the renewable energy industry

Wind and solar can only output so much. Fossil fuels often fill a gap better suited for nuclear power
www.salon.com www.salon.com

Goldstein has spent the last several years doing the homework for us and points out that the huge solar array near his Massachusetts home is owned by a large gas company in Texas. The reason for this is clear: the more wind and solar that is installed, the more natural gas is required to carry the load for the intermittent renewables.
 
Bebop said:
Can we talk about the opposite?
48yo marketing director guy at work that drives a brand new RS7, Armani suits every day, Mastercraft boat, lives in a 750k house, wife is a professional stay at home Amazon shopper, probably makes 200k/year annnnnnnnnnnd complains in the breakroom that he can't make ends meet.
Always makes me laugh.

Also, he's great at licking asses so I predict him a bright future in the company, where appearances is all that matters.
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In his defense $200k really is the new $185K given the modern times we live in.. cut him some slack. It’s tough out there
 
My wife and I stopped in a Toyota Dealership to look at a 4 runner in 2016. It was literally the 4th of July at like 4:00pm. We test drove one, I decided to look at a tundra as well. We were about ready to make a deal, but my wife wanted to sleep on the 4runner. I asked the salesman what deals they had going for the 4th of july sale. He said it varied based on models. I said well we are looking at the 4 runner. He said let me run your credit and I can tell you, to which I declined and told him I would return the next day after we slept on it, but the sale deal may make it an easier decision. He told me to come back in when I was serious...

We left there, stopped next door at the Jeep place. Salesman said we close in 15 min. I said I don't wanna take up too much time, just take a JKU around the block to see if my wife would even entertain owning one. He threw us the keys, made copies of our licenses, and said "Bring it back tomorrow by noon and let me know how you like it, pull your car into the service bay." She still drives that Jeep today....
 
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