Redemption 722 turned me down!

[lolasaurus]

There's no buses or any public transportation out here whatsoever. Everything you go to is 35-60 minutes drive one-way. Without a car, you'd die out here. Literally.

I can't understand it either. If all goes as planned, I am hoping to file in July... let the 60 day thing pass. Wait for the discharge and stock pile as much cash as I can until I have $6,000 in the bank. Then I will start contacting as many car owners as possible.

Here's the deals I am looking for... check this out!!

2004 Dodge Neon with only 2,900 miles

That's not a misprint with 29,000. That's two-thousand nine-hundred miles!

That's the good thing about old people buying a car in Florida.

If you seek, YOU WILL FIND!!! Buying a car like that with only 2,900 miles would be like buying a BRAND SPANKING NEW CAR for SIX GRAND!!!

Why are people not searching out these deals and getting into debt again after bankruptcy? And paying 24% for the priviledge of making a bank rich!??!

Buying a dodge neon with 0 miles is like buying a reliable car with 200,000 miles, though lol

I do agree with the spirit of what you're saying though!

[debtmonster]

There's nothing wrong with a Neon. They just have a cheap interior. You take a car like that and the day you buy it, you put Amsoil engine oil and tranny fluid in and that drivedrain will never leave you stranded. All you have to worry about is alternators and water pumps, which go bad on any car. You won't find a better fluid for the money. Anything in the autoparts store or Walmart is crap compared to Amsoil. Plus that tranny fluid will reliably go 100,000 miles. That will save me 3 transmission flushes right there in the next 100,000 miles I would put on a car like that. The only car you can't use that fluid in is the tranny in a Toyota Prius or other CVT. Neon's are cheap and don't have CVT's, so you'd be good to go.

What I wanted to do was maybe make 3 to 6 months payments on my car after the discharge until I have $6,000 cash saved up. Remember, we're living here rent-free, so instead of paying the $1100/mo. for our house, we could be saving that cash towards a car. I want to be close to 100% debt-free as possible by the time the sheriff throws us out. When I have to go renting a new place, I don't want car payments again. We just need to self-insure by putting away $2,000 some place in lieu of buying an extended warranty. If the car doesn't break in the next few years, the $2,000 is ours. If you pay for an extended warranty and the car doesn't break, you lose all the money.

Anyway, that car is just an example. There's many people here that would only buy Mopar, so that would be the way to go. I would rather try to buy a Nissan or Honda, but those cars are very hard to find for late model cars for under $6,000.

[relief13035]

Try to keep looking - Neon's are like driving an aluminum can.

[debtmonster]

I've been setting my search criteria to:

< 30,000 miles
2000 to 2009
automatic transmission
$200 to $6000

Almost all the cars I see are Ford Escorts, Dodge Neons, Cavaliers, Cobalts and all crappy cars. Anytime I see a Honda or any decent car, you click on the ad and it says, "Salvage title" or "export only" and crap like that. I have to go through dozens and dozens of ads to find something that isn't crashed.

Lots of people screw up the results and put "1" as the mileage when the miles are over 100,000. So I have to skip all those. The people posting the ads are screwing up all of the search results. They shouldn't even allow people to sell wrecked cars on there.

This Ford 500 looks nice, though... even though I am not a Ford person. Looks like a comfortable car.

I've skimmed through over 80 cars so far and can't find one good, Japanese car that wasn't wrecked or didn't have a salvage title. The car dealers are all polluting the ads on Auto Trader. It really sucks.

[lolasaurus]

I've been setting my search criteria to:

< 30,000 miles
2000 to 2009
automatic transmission
$200 to $6000

Almost all the cars I see are Ford Escorts, Dodge Neons, Cavaliers, Cobalts and all crappy cars. Anytime I see a Honda or any decent car, you click on the ad and it says, "Salvage title" or "export only" and crap like that. I have to go through dozens and dozens of ads to find something that isn't crashed.

Lots of people screw up the results and put "1" as the mileage when the miles are over 100,000. So I have to skip all those. The people posting the ads are screwing up all of the search results. They shouldn't even allow people to sell wrecked cars on there.

This Ford 500 looks nice, though... even though I am not a Ford person. Looks like a comfortable car.

I've skimmed through over 80 cars so far and can't find one good, Japanese car that wasn't wrecked or didn't have a salvage title. The car dealers are all polluting the ads on Auto Trader. It really sucks.

You get what you pay for brother. But that said, if I end up having to get a beater with a heater after I file, my course of action is clear: It's one of the best kept secrets in the auto world.

I'll buy a chevy prizm. You know, one of those 4 door cars that looks kinda like a toyota corolla? Know why it looks like that? It IS a toyota corolla, same drivetrain, just different branding. And since no one really knows this, you can pick one up for like $1500 that will run through a combined nuclear war and zombie outbreak.

I drive an '06 GTO right now and I love it for obvious reasons, I really hope I can somehow exempt it, but if not, that's my plan.

[debtmonster]

I have no problems with buying a Prizm. The problem is you can't find any with low mileage. High mileage cars are not for me. The wear and tear is too much for me to put Amsoil in them. I need something with under 40,000 miles so I can have peace of mind. Most people never get the transmission flush done. They want until the transmission has problems first and by then, it's too late. I am one of the pickiest people when it comes to maintenance. I don't use any other fluid or filters other than Amsoil. The car can run forever on that fluid, but you need to put the fluid in the car before it has accumulated a ton of miles.

[lolasaurus]

I have no problems with buying a Prizm. The problem is you can't find any with low mileage. High mileage cars are not for me. The wear and tear is too much for me to put Amsoil in them. I need something with under 40,000 miles so I can have peace of mind. Most people never get the transmission flush done. They want until the transmission has problems first and by then, it's too late. I am one of the pickiest people when it comes to maintenance. I don't use any other fluid or filters other than Amsoil. The car can run forever on that fluid, but you need to put the fluid in the car before it has accumulated a ton of miles.

To each their own of course, but I'm fine with certain high mileage cars. Personally, I'd avoid an automatic because they tend to have those problems. A clutch can be replaced in a few hours (in some cars anyway) whereas the auto transmissions I've rebuilt in the past are a pain in the butt to fix.

I definitely won't be centering my strategy around one brand of lubricant, though. I've owned a lot of beater cars coming from a pretty poor family and I've become kind of ghetto ASE certified, as we joke, because of having to keep them running as a kid and as I got older. I have a good idea what to look for, and I'm kind of a car guy, so I know what cars to avoid as well.

I'd rather have a 150000 mile honda civic than a 2000 mile dodge neon, personally. Another good 'bang for the buck' option is 5 cylinder audis from the late 80s/early 90s (with quattro, and manual, of course. Auto audis from that era are a joke). Of course you have your stereotypical electrical gremlins with them, but if you're prepared to handle some of that for a few months, you've got a fun little car to drive, great in the snow, etc.

I wouldn't really suggest that though for joe schmoe who just wants to get from point A to point B, the audi is too fickle for that.

[lolasaurus]

Also keep in mind, this beater temporary car, for me, is going to be intended to help me save up for a new car. I'm a car guy, I love my torque, so I'll replace my GTO with another (or maybe a G8?) when I'm able, and the more money I can save toward that, the sooner I can get rid of the beater. It's incentive.. in the right direction

[inpain66]

There's nothing wrong with a Neon. They just have a cheap interior. You take a car like that and the day you buy it, you put Amsoil engine oil and tranny fluid in and that drivedrain will never leave you stranded. All you have to worry about is alternators and water pumps, which go bad on any car. You won't find a better fluid for the money. Anything in the autoparts store or Walmart is crap compared to Amsoil. Plus that tranny fluid will reliably go 100,000 miles. That will save me 3 transmission flushes right there in the next 100,000 miles I would put on a car like that. The only car you can't use that fluid in is the tranny in a Toyota Prius or other CVT. Neon's are cheap and don't have CVT's, so you'd be good to go.

What I wanted to do was maybe make 3 to 6 months payments on my car after the discharge until I have $6,000 cash saved up. Remember, we're living here rent-free, so instead of paying the $1100/mo. for our house, we could be saving that cash towards a car. I want to be close to 100% debt-free as possible by the time the sheriff throws us out. When I have to go renting a new place, I don't want car payments again. We just need to self-insure by putting away $2,000 some place in lieu of buying an extended warranty. If the car doesn't break in the next few years, the $2,000 is ours. If you pay for an extended warranty and the car doesn't break, you lose all the money.

Anyway, that car is just an example. There's many people here that would only buy Mopar, so that would be the way to go. I would rather try to buy a Nissan or Honda, but those cars are very hard to find for late model cars for under $6,000.

Funny you would mention CVT.

My MINI Has a CVT. That is the only reason I am nervous to keep it since a new CVT costs like 8k! Last thing I want is to have a car loan AND try to figure out how to come up with that kind of money. MINI is made by BMW and I have around 50 k on mine so CVT should not be an issue for a while.

I do not want to reaffirm the MINI..I just want to keep paying it.

[debtmonster]

If I was to get a short-term temporary beater car, then I would not want to spend more than $1500 and hope that it lasts at least 6 months before I either junk it or sell it close to what I paid for.

Believe me, you won't save a dime by using any other oil. I've already done tons of research. There's no reason to buy any other oil on the market. Amsoil comes out as the only oil as to "have your cake and eat it, too" oil. It's a proven fact to be better than anything you can buy in any store, plus it lasts up to 8 to 11x longer than any of the other oils. If the other oils are not going to offer better protection or last as long, then why bother? You're simply throwing away your money on Mobil 1, Castrol or any of those other oils that you will have to change frequently. Frequent oil changes = pissing away money. Remember, we're supposed to learn from our financial mistakes on here.

I can drive 100,000 miles and only need 20 quarts of Amsoil to do it. You can't do that with any other oil. My gas mileage has increased in every single car I've ever used it in.

I've used Castrol, Mobil 1, and many others for years until I learned about this product. You should be thanking me for even telling you about this stuff because these people never seem to advertise anywhere. I was fortunate to learn about it from some friends. After I did tons of research and saw the results for myself, I never went back to Mobil 1 or Castrol Syntec ever again... not to mention the fortune I am now saving in eliminated oil changes. I'm telling you... you really need to research this oil. Whatever oil you're using now, Amsoil will blow it away. Nobody beats them. Believe me, if there was a better oil than Amsoil, I'D BE USING IT.

[debtmonster]

Funny you would mention CVT.

My MINI Has a CVT. That is the only reason I am nervous to keep it since a new CVT costs like 8k! Last thing I want is to have a car loan AND try to figure out how to come up with that kind of money. MINI is made by BMW and I have around 50 k on mine so CVT should not be an issue for a while.

I do not want to reaffirm the MINI..I just want to keep paying it.

I'm not sure if you can use Amsoil ATF in that or not. What year is your Mini?
I know that most CVT's, you can't use their oil right now as some CVT's have different specifications.

If you can't use Amsoil in it, then I would be RELIGIOUS on changing the fluid in that thing and I would do it SOONER than LATER. I've heard the nightmares about CVT replacement. Give me the year and I ask somebody to see if Amsoil ATF is compatible or not. If it is, you can keep that thing running virtually forever.

[relief13035]

Are you a rep. for Amsoil?

[lolasaurus]

lol I mean no offense, but it takes more than oil to make a reliable vehicle. I'm not saying there's anything wrong with amsoil, but even amsoil isn't going to make some vehicles reliable.

[debtmonster]

lol I mean no offense, but it takes more than oil to make a reliable vehicle. I'm not saying there's anything wrong with amsoil, but even amsoil isn't going to make some vehicles reliable.

As long as you're using that oil, the engine and transmission should never wear out. Everything else is easy and cheap to fix. Window motors, alternators, water pumps, etc. That's peanuts to repair compared to what it would cost to rebuild an engine or transmission.

For years I used Mobil 1 religiously. I always told everyone, "If you find a better oil, let me know, otherwise I'm going to use Mobil 1 forever."

Then I started seeing their ASTM tests and Amsoil beat everyone. A friend of mine is a dealer and I order through him. Actually both me and another friend other through this guy.

If you're using Pennzoil, Quaker State, Havoline, Mobil 1, Royal Purple, Red Line or any of those other oils, you're simply throwing your money away. Believe me. I've been through all this before. I've driven well over 600,000+ miles in all of my driving experience. Between picking up the Mobil 1 synthetic, the filter and then bringing it to a place to have them put it in, I used to pay over $60-70 an oil change every 3,000 miles. What a WASTE of money that was. However, I didn't know any better. I fell for the fancy commercials and ads. I never bothered to know what ASTM testing was done.

This page shows some of the ASTM results. Funny how Mobil 1 doesn't proudly show those numbers off. They scammed me FOR YEARS. NEVER AGAIN.

This stuff is too hard to sell. Look how people are so brainwashed into using what they are using. This is why I can't be a dealer for it. I've already showed you guys the proof that it's better and yet you'll continue to keep using what you've been using because humans are CREATURES OF HABIT. I'm not like that. If you have something better than what I am using and it will save me money, I want to know all about it. I'm very open-minded when it comes to stuff. The majority of the people aren't like that. Most people don't like change. I do.

[spearmint]

What kind of credit score do you have to have for your own credit union to give you a car loan?