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#252 Jan 10 2013 at 1:03 PM Rating: Good
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Lower middle class, Jophiel!.

Right, the middle class have to choose between the third bathroom and the new Lexus. Choose! How pedestrian!
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#253 Jan 10 2013 at 1:28 PM Rating: Good
TirithRR wrote:
PigtailsOfDoom wrote:
Okay, I'm genuinely curious. What kind of stupid *** sh*t did you do to have that expensive of car insurance? I'm 29, and granted I have no speeding tickets or accidents on my record and I pay about $50 a month for liability and emergency towing. Only bad mark I have against me is a bad credit score.


When I was 21 or so, the insurance company I was with wanted me to pay about 400 dollars a month for just PLPD (Michigan's term for just Liability and Property Damage, bare bones insurance). It started out high, when I first started driving with them in High School, and increased every year for no reason other than they could. I remained accident free and moving violation free. I didn't even have any parking violations, even though those don't count against you. You act as though insurance companies trying to charge outrageous prices for basic coverage to young drivers is unusual?


My car insurance has only gone down as I've gotten older. Maybe you picked a crappy car insurance company? Plus Zymunn said he was 27 when this happened, and 25 is the age that car insurance is supposed to go down drastically in price. Although, you guys are dudes so that probably has a lot to do with the higher costs too. You men folks and your aggressive driving bites you in the *** here. Yay for stereotypes?
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#254 Jan 10 2013 at 1:32 PM Rating: Excellent
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#255 Jan 10 2013 at 1:34 PM Rating: Excellent
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PigtailsOfDoom wrote:
Yay for stereotypes?


Yay! Smiley: yippee
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#256 Jan 10 2013 at 3:31 PM Rating: Decent
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Most of my citations were for speeding. The last ticket I got was two years ago for 395~. 90 in a 70. Officer was kind enough to mark it down so he didn't have to haul me in. I have grown up and only reason I am currently paying such a high price now is due to the cnut rep I have. I had to get FL insurance and reregister my car here. With no FL license the cost went way up. Been looking at other insurance and the best I was quoted was for 180 a month full coverage.

Taking the interstate its 40 miles from home to work. If I take major roads its about 55 miles and being as it is another county no public transit. Cab fare is way to expensive to make this trip six days a week. As for when I was in MT don't remember the milage but one job I had to supply my own ride the second was a 50 min drive from far end of one county to the far end of the next county.

There are exceptions in all cases. If I worked at the McD walking to work wouldn't have been an issue. Also telling the finance company, "hey so come get your car I can't afford it" doesn't just get written off on your credit score.
#257 Jan 10 2013 at 6:05 PM Rating: Default
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PigtailsOfDoom wrote:
While I do think Gbaji makes a relatively decent point about the high expense of your vehicle, you are absolutely correct that cars in this day and age are pretty much a necessity.


Sure. No one said that he should not own a car. One that costs him $800/month is a whole different story though. Doubly so when it's clear that he could not afford to both own that car *and* feed himself adequately. That's the "choice" I was talking about. He choose to spend a ridiculous amount of money on transportation. Also, I simply can't believe that he is required to pay $430ish a month in insurance on said car. That's ridiculous. Full coverage on my car (as in the coverage level required when you finance a car from a dealer) costs me just over $500 every six months (so about $80/month). In California.

Unless he foolishly got talked into the most expensive insurance options known to man, I can't imagine how his car insurance could be that high. But if they are, then again, it's a choice. For the cost of a couple months at that rate, he could outright buy an older model used car. Insurance on that will be cheap. Even just the $375/month cost on his car is higher than someone making his income level should be paying. He's doing exactly what I said people do: They overspend on things that they don't need, and come up short on those they do. He should be looking for a more basic used car in the $200-$250/month range (assuming purchase from a dealer).

Quote:
If you live somewhere without public transportation anyways. When trying to decide between food and my car, I'd have a really difficult time figuring that out where I currently live. I've got a 10 minute drive from my home to my work, so if I didn't have a car I'd be pretty much screwed. I guess I could sell the car and buy a bike? But still, where I live it's extremely rainy during the winter months. When you're desperate though, you're desperate.


Yeah. Or sell the way too expensive car and buy a much less expensive one instead. Heck. If things are desperate enough, just don't make payments on the car. It'll take them 3-4 months before they'll repo it, during which he could put the $800/month towards both buying food *and* directly buying an old used car via private sale for cash. So his credit takes a hit. In that situation, the last thing you really need to worry about is credit though. Focus on income and using it wisely.

Not that I'm recommending this as a course of action, but just presenting alternatives. Certainly, a loss of credit rating is less of a problem than going hungry.
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#258 Jan 10 2013 at 6:14 PM Rating: Good
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It was much easier to find cheap cars when I was in high school. My first car cost me 400 dollars, and about 300-400 on top of that for some basic repairs to get it running. I've never actually owned a new vehicle. I've always bought used ones and paid for them with cash. I don't like the idea of debt, and the only debt I have currently is my Student Loans. I thought about doing the cash for clunkers thing back in '08, but couldn't bring myself to spend the money.

These days though, finding a car for under 1500 is hard, and the few I've found that low are definitely not worth it. Pretty sure that was caused by the Cash for Clunkers deal. I've actually been eying the auto trader magazines trying to find a cheapo for less than 1000 for my mom to drive to and from classes, and I have not been able to find one.

Edited, Jan 10th 2013 7:14pm by TirithRR
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#259 Jan 10 2013 at 6:25 PM Rating: Good
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PigtailsOfDoom wrote:

you are absolutely correct that cars in this day and age are pretty much a necessity. If you live somewhere without public transportation anyways.


Eh, I've never owned a vehicle and it has never been a problem. Granted I don't live in the boondocks (even tiny towns here have public transportation) but I generally actually walk or bike everywhere. The only place I actually used a lot of public transpo was in a bigger city where the distances between things and the frequency of the buses made it worthwhile. In my hometown the buses only came once an hour and it took less than an hour to walk anywhere in town so I never bothered really.

PigtailsOfDoom wrote:

When trying to decide between food and my car, I'd have a really difficult time figuring that out where I currently live. I've got a 10 minute drive from my home to my work, so if I didn't have a car I'd be pretty much screwed. I guess I could sell the car and buy a bike? But still, where I live it's extremely rainy during the winter months. When you're desperate though, you're desperate.


10 minute drive? Eh, that's not really a lot. On a bike that would be what, 15, 20 minutes? (Forgive me if I am wrong but I find my ability to navigate traffic here means there is very little difference between how long it takes for me to bike versus someone driving around here) I mean it isn't ideal but it isn't insurmountable. It's yuck here during winter too but I bike everywhere pretty much just the same. That said, I live a 5 minute bike ride from work so, easy for me to say. Of course, I made the choice to save hundreds of dollars a month in car related expenses and live in a more central neighborhood.


Edited, Jan 10th 2013 4:27pm by Olorinus
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#260 Jan 10 2013 at 6:31 PM Rating: Excellent
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Iron Chef Olorinus wrote:
10 minute drive? Eh, that's not really a lot. On a bike that would be what, 15, 20 minutes? (Forgive me if I am wrong but I find my ability to navigate traffic here means there is very little difference between how long it takes for me to bike versus someone driving around here) I mean it isn't ideal but it isn't insurmountable. It's yuck here during winter too but I bike everywhere pretty much just the same. That said, I live a 5 minute bike ride from work so, easy for me to say. That said, I made the choice to save hundreds of dollars a month in car related expenses and live in a more central neighborhood.


10 minute drive, at potentially 70mph, freeway travel. I think unless you are biking for speed, 10-15mph is probably how fast you are going.

My morning commute is 15 minutes, and only 8 miles. But I have coworkers who have the same time commute as I do but they come from the next town over and take the freeway.
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#261 Jan 10 2013 at 6:35 PM Rating: Decent
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TirithRR wrote:


10 minute drive, at potentially 70mph, freeway travel. I think unless you are biking for speed, 10-15mph is probably how fast you are going.

My morning commute is 15 minutes, and only 8 miles. But I have coworkers who have the same time commute as I do but they come from the next town over and take the freeway.


Ok I admit my perspective is warped by living in differently designed cities then. Cause here I go as fast as cars through most of downtown (sometimes I like to amuse myself by "racing" with people in flashy sports cars because I am hopeful it annoys them to see a fat **** on a bike going as fast as them)

I mean, we have frigging horse and carriages clogging up our streets etc. so it really isn't hard to beat traffic on a bike around here. We don't have any freeways. Even the nearby highway has stop lights on it, and we have a wicked trail that goes to the "suburban" area that is bike and pedestrian only. Its amusing to be on that trail and be biking faster even than the people on the highway when the afterwork traffic is at its peak.

Screenshot


So yeah, biking on a freeway, I can see why people wouldn't want to do that. Is housing closer to downtown that much more expensive? Is it not nice? Because we have very high real estate costs (some of the highest in the world) here so... I wonder are people able to save that way? We live in a two bedroom [basement suite, so we aren't talking fancy. Bloody place has painted counters] and it is 1200 a month...



Edited, Jan 10th 2013 5:01pm by Olorinus
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lolgaxe wrote:
When it comes to sitting around not doing anything for long periods of time, only being active for short windows, and marginal changes and sidegrades I'd say FFXI players were the perfect choice for politicians.


#262 Jan 10 2013 at 6:54 PM Rating: Good
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Iron Chef Olorinus wrote:
So yeah, biking on a freeway, I can see why people wouldn't want to do that.

Pretty sure it's illegal.

Iron Chef Olorinus wrote:
Is housing closer to downtown that much more expensive? Is it not nice? Because we have very high real estate costs (some of the highest in the world) here so... I wonder are people able to save that way? We live in a two bedroom and it is 1200 a month.

I think most two bedroom places around here rent for about 350-600 a month. Judging by local newspaper classifieds. Varying amounts of services included, etc. But it's not really cost of the location. I live outside of town because it is where my family owned land when we moved, and it's where we built our house. I've come to enjoy the area.
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#263 Jan 10 2013 at 6:59 PM Rating: Good
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Ah good to know, I guess I won't be biking down any freeways then, even if I wanted to (which I don't). I am not even sure what a freeway is. We have streets and roads and avenues and highways but no freeways that I know of. What is the difference between a freeway and a highway anyway?

And god, I can't imagine paying that little for rent in a city. We're the "cheap" city and it is stupid expensive. Vancouver is worse. A similar place (in terms of proximity to downtown and the ocean) to mine in Vancouver would be about 2K or so.

Edited, Jan 10th 2013 5:00pm by Olorinus
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When it comes to sitting around not doing anything for long periods of time, only being active for short windows, and marginal changes and sidegrades I'd say FFXI players were the perfect choice for politicians.


#264 Jan 10 2013 at 7:03 PM Rating: Good
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I think they are really referred to as "Limited Access Highways". Dunno what Canada would call them. Autobahns in some European places, not very familiar with the foreign terminology.

A highway that has restricted on/off access to make traffic flow quickly and smoothly.
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#265 Jan 10 2013 at 7:05 PM Rating: Good
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Freeway as opposed to toll-way I would guess.
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#266 Jan 10 2013 at 7:07 PM Rating: Good
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Friar Bijou wrote:
Freeway as opposed to toll-way I would guess.


No, not free as in cost. Free as in... don't have to ever stop.
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#267 Jan 10 2013 at 7:10 PM Rating: Excellent
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TirithRR wrote:
Friar Bijou wrote:
Freeway as opposed to toll-way I would guess.
No, not free as in cost. Free as in... don't have to ever stop.
Because...no toll booths?
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Jophiel wrote:
Last week, I saw a guy with an eyepatch and a gold monocle and pointed him out to Flea as one of the most awesome things I've seen, ever. If I had an eyepatch and a gold monocle, I'd always dress up as Mr. Peanut but with a hook hand and a parrot.
#268 Jan 10 2013 at 7:12 PM Rating: Default
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TirithRR wrote:
I think they are really referred to as "Limited Access Highways".


Yeah. Probably the most accurate term. Technically, freeway is opposed to tollway, which has nothing to do with the type of road, but whether it costs money to travel on it. A Highway is generally any road that does not have residences directly on the road itself, and is designed for significant through traffic. They usually are divided (a "divided highway"), but not always. They usually have intersections with signal lights, and very few non-controlled cross streets.

A limited access highway is one with on and off ramps and no intersections or lights affecting through traffic. Pedestrians and bicyclists are generally not allowed on them except for short stretches (cause it's too dangerous to have them cross any on or off ramps).

Most people just use freeway or highway interchangeably to mean limited access highway, and call anything with intersections a "road".

Quote:
A highway that has restricted on/off access to make traffic flow quickly and smoothly.


Yup.
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#269 Jan 10 2013 at 7:13 PM Rating: Default
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TirithRR wrote:
Friar Bijou wrote:
Freeway as opposed to toll-way I would guess.


No, not free as in cost. Free as in... don't have to ever stop.


Hah. I always assumed it was about cost as well, but it looks like you're correct. Interesting...
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#270 Jan 10 2013 at 7:14 PM Rating: Good
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No intersections, no traffic lights, no stop or yield signs. The roads are designed to keep traffic moving forward at all times.


I realize you are just acting, but I'm bored, sitting at home writing a control program for a machine upgrade I'm doing this weekend.
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#271 Jan 10 2013 at 7:16 PM Rating: Good
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gbaji wrote:
TirithRR wrote:
Friar Bijou wrote:
Freeway as opposed to toll-way I would guess.


No, not free as in cost. Free as in... don't have to ever stop.


Hah. I always assumed it was about cost as well, but it looks like you're correct. Interesting...


It might have originally came to be because of the toll highways (never bothered looking into it). But I think it's common use these days is a term for limited access highway.
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#272 Jan 10 2013 at 7:16 PM Rating: Decent
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TirithRR wrote:
No intersections, no traffic lights, no stop or yield signs. The roads are designed to keep traffic moving forward at all times.


No phones, no lights, and no motorcars? What do we call it then?
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#273 Jan 10 2013 at 7:20 PM Rating: Good
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gbaji wrote:
TirithRR wrote:
No intersections, no traffic lights, no stop or yield signs. The roads are designed to keep traffic moving forward at all times.


No phones, no lights, and no motorcars? What do we call it then?


Gilligan's AIsleway?
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#274 Jan 10 2013 at 7:21 PM Rating: Good
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gbaji wrote:
TirithRR wrote:
No intersections, no traffic lights, no stop or yield signs. The roads are designed to keep traffic moving forward at all times.


No phones, no lights, and no motorcars? What do we call it then?
Gilligan's ThroughwaySmiley: schooled

DAMMIT, TIRRITH!!Smiley: mad


Edited, Jan 10th 2013 6:22pm by Bijou
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Jophiel wrote:
Last week, I saw a guy with an eyepatch and a gold monocle and pointed him out to Flea as one of the most awesome things I've seen, ever. If I had an eyepatch and a gold monocle, I'd always dress up as Mr. Peanut but with a hook hand and a parrot.
#275 Jan 10 2013 at 7:24 PM Rating: Default
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lolgaxe wrote:
gbaji wrote:
Um... I've presented observed data that supports my position.
Sure, you've said you've observed the data, but have never provided any evidence of such.


Except for the three separate links I've provided in this thread about food stamp effectiveness on hunger, pawn shops, and payday loans, all of which contained data which supported the argument(s) I've been making. But you're correct. Aside from those things, I've provided no evidence or data at all.

Funny, isn't it? As far as I know, I'm the only one who's provided any external source of data to support his position in this thread and the only one to present a coherent argument, using data, to support his conclusions.
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#276 Jan 11 2013 at 12:35 AM Rating: Good
Public transportation in Eugene is pretty **** good, so there it isn't a problem. Where I live now though, it's practically non-existent. There is a bus, but it drives up and down the coast from Smith River, CA to North Bend, OR three or four times a day. And it costs you $4 per city connection. It's way overpriced comparatively (Eugene it's $1.50 per stop or $3 for an all day pass) and it only goes up and down HWY 101. It's not a city public transportation, it isn't meant for people to use to get to work or the grocery store. For people in this town, it's pretty devastating to not have a car. There's probably thousands of other towns across the country with the same problem.
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