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11-06-2022, 10:53 AM
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#301 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
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Naw, I mean in general, not because of Covid.
Cars loans and keeping up with the Jones' have been screwing the avg person since the Model T.
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11-06-2022, 10:56 AM
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#302 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Nov 2002 Location: 604
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^ not in sales so I can't answer trollface's question from a practitioner's point of view but in the situation that you posed - anywhere, any sector, you cannot 'judge' someone. So to hint that maybe this is above your pay scale and maybe you should get a Corolla instead of a Lexus and not put yourself in a financial hole for 5 years ... well, you get the picture. You can't be the person's parents. You do the best that you can and give him/her all the information, specs and if customer decide to pull the trigger ... so be it.
As for setting customer up for a bad long lease high interest deal ... well, isn't that the finance department person's responsibility?
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11-06-2022, 02:59 PM
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#303 | | I don't get it
Join Date: Mar 2012 Location: GVR
Posts: 404
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Originally Posted by trollface  Here is a question for you.
How do you feel about customers buying cars they can't afford or writing a horrendous deal that will pad your pockets? I'm sure sales managers are breathing down your neck. Seems like all sales people eventually fall into this bucket.
How do you think you will justify to yourself that you're doing the right thing?
My buddy works finance at Honda and the deals he sees come across the table...60k accords and neg equity up the wazoo. All the sales guys tell themselves if they didn't write the deal, someone else across the street would have and it's not their job to be their mom.
What do you think? No right or wrong answer. | The PA's just construct the deal and it is up to the customer to pull the trigger to purchase the vehicle. At the end of the day, the PA found a right vehicle for their client and the client was OK with the numbers.
You have no idea how dumb some clients can be. I've seen them try to upgrade from a financed 2020 RVR (with huge amounts of negative equity) into a new RAV4. Or there was this other guy who decided to save a couple bucks and bought a pos Kia Sorrento over a Toyota Highlander.
At the end of the day, they approved of the purchase and decided to get themselves into a bad financial spot. I tried to help them but they didn't listen.
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11-06-2022, 04:47 PM
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#304 | | RS has made me the bitter person i am today!
Join Date: Apr 2003 Location: Vancouver
Posts: 4,865
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| Quote:
Originally Posted by trollface Here is a question for you.
How do you feel about customers buying cars they can't afford or writing a horrendous deal that will pad your pockets? I'm sure sales managers are breathing down your neck. Seems like all sales people eventually fall into this bucket.
How do you think you will justify to yourself that you're doing the right thing?
My buddy works finance at Honda and the deals he sees come across the table...60k accords and neg equity up the wazoo. All the sales guys tell themselves if they didn't write the deal, someone else across the street would have and it's not their job to be their mom.
What do you think? No right or wrong answer. | You can say this about almost anything and everything in life. Its a dog eat dog world out there. If they dont wanna buy a car they cant afford, or get an horrendous deal they dont have to. Its up to them to do there homework or figure out there own finances. It blows my mind that alot of people out there seemed to have failed Math 8
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11-06-2022, 05:06 PM
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#305 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
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Originally Posted by radeonboy | That’s beautiful!! I’m not entirely sure I’d the GS-F is the same as the regular model G but I got super turned off how the transmission tunnel bulged out into the area of the drivers gas pedal foot… was super uncomfortable for me when I sat in one.
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11-06-2022, 06:50 PM
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#306 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,752
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Originally Posted by RiceIntegraRS You can say this about almost anything and everything in life. Its a dog eat dog world out there. If they dont wanna buy a car they cant afford, or get an horrendous deal they dont have to. Its up to them to do there homework or figure out there own finances. It blows my mind that alot of people out there seemed to have failed Math 8 | Which is an interesting thing to think about. Highschool math 12 won't teach you anything about what an APR is. They taught us how to write a chque...which I've done like twice in my life.
Most of what we're taught in HS is pretty useless in everyday life.
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11-06-2022, 10:34 PM
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#307 | | I bringith the lowerballerith
Join Date: Jul 2015
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Originally Posted by 68style That’s beautiful!! I’m not entirely sure I’d the GS-F is the same as the regular model G but I got super turned off how the transmission tunnel bulged out into the area of the drivers gas pedal foot… was super uncomfortable for me when I sat in one. | Are you referring to this hump? 
Think that's the AWD hump which doesn't look present in the GSF based on the carpet shape: 
It's still no LC, but it's an interesting alternative with the same motor.
Going slightly back on topic - has a waitlist formed for the upcoming Ioniq 5 N?
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11-06-2022, 10:36 PM
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#308 | | I contribute to threads in the offtopic forum
Join Date: Oct 2008 Location: Van604
Posts: 2,937
Thanked 2,301 Times in 636 Posts
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| Quote:
Originally Posted by trollface Here is a question for you.
How do you feel about customers buying cars they can't afford or writing a horrendous deal that will pad your pockets? I'm sure sales managers are breathing down your neck. Seems like all sales people eventually fall into this bucket.
How do you think you will justify to yourself that you're doing the right thing?
My buddy works finance at Honda and the deals he sees come across the table...60k accords and neg equity up the wazoo. All the sales guys tell themselves if they didn't write the deal, someone else across the street would have and it's not their job to be their mom.
What do you think? No right or wrong answer. | Honestly.. it's my pay cheque, I am only there to present the facts and not mislead or hide anything.
My job stops once the client has the ability to make an informed decision.
Yes, I had a client who traded in a 2018 Kia @ 0% financing for a 2012 CLA @ 8.99% with financing interest amounting to over $10K
As long as the client is aware, I am okay with them going thru with the deal.
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11-06-2022, 10:41 PM
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#309 | | I contribute to threads in the offtopic forum
Join Date: Oct 2008 Location: Van604
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Originally Posted by radeonboy Are you referring to this hump?
Going slightly back on topic - has a waitlist formed for the upcoming Ioniq 5 N? | Cant take your money yet, and dealership have no official list.
But a few people on RS have reached out to me, so I have like what... a 5 person waitlist on my own Google Spread Sheet? LOL
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Proud member of GRAPE Great Revscene Action Photographers Enthusiasts
AE101 Rolla 96' //Sold
RPS13 240SX 90' //STOLEN
RMS13 240SX 91' //Scrapped
RHS13 240SX 90' //Scrapped
S35 Rogue 12' //Gifted to Parents
GD 6MT Elantra 13' //Sold
CZ4A 5MT GSR Evo 08' // Totalled
Ioniq DCT 19' //Traded in
NA MX-5 5MT 97' // Sold
Prius Prime 21' //Traded in
Tesla Model 3 RWD DD
GSX-R 600 K5' Mental Therapy
Prius Prime 24' New Kids Carrier
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11-07-2022, 09:09 AM
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#310 | | :: Sells McLarens, Not tofu :okay: ::
Join Date: Aug 2007 Location: vancouver
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| Quote:
Originally Posted by trollface Which is an interesting thing to think about. Highschool math 12 won't teach you anything about what an APR is. They taught us how to write a chque...which I've done like twice in my life.
Most of what we're taught in HS is pretty useless in everyday life. | Thats one thing and the other they should've taught us is how to file our own damn taxes. 
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11-07-2022, 09:48 AM
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#311 | | I subscribe to the Fight Club ONLY
Join Date: Aug 2007 Location: Paradise, BC
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Originally Posted by tofu1413 Thats one thing and the other they should've taught us is how to file our own damn taxes. | They didn't show you in Consumer Ed 12 back then?
Mind you, what CE12 showed up back then was extremely simple -- basically just plug your T4 numbers in. I think investment income was limited to bank interests / T5, and maybe also dividends. But again, it was mostly get your T-slips from whoever it was, and plug it into the right box on the tax filing form.
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11-07-2022, 10:12 AM
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#312 | | RS Veteran
Join Date: Dec 2001 Location: GTA
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What is Consumer Ed 12? I don't recall such a course to have existed when I was in high school. Or maybe my high school was too poor.
__________________ Quote:
Originally Posted by BIC_BAWS I literally do not plan on buying another vehicle in my lifetime, assuming it doesn't get written off. | | |
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11-07-2022, 10:22 AM
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#313 | | :: Sells McLarens, Not tofu :okay: ::
Join Date: Aug 2007 Location: vancouver
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Originally Posted by Traum They didn't show you in Consumer Ed 12 back then?
Mind you, what CE12 showed up back then was extremely simple -- basically just plug your T4 numbers in. I think investment income was limited to bank interests / T5, and maybe also dividends. But again, it was mostly get your T-slips from whoever it was, and plug it into the right box on the tax filing form. | nope. wasn't offered such course in HS 
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90' Honda EF Civic HB // 04' Honda Pilot Granite
- The Drinker of Many Many Coffees @ McLaren Vancouver
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11-07-2022, 10:30 AM
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#314 | | I Will not Admit my Addiction to RS
Join Date: Jun 2015
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17 year old me would not have paid attention in a class on how to pay my taxes.
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Current: G87 M2, Lotus Exige S, 4Runner
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11-07-2022, 01:31 PM
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#315 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,752
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Originally Posted by bcrdukes What is Consumer Ed 12? I don't recall such a course to have existed when I was in high school. Or maybe my high school was too poor. | Wtf? Did you go to Harvard or something? They didn't teach us shit.
I've never walked into Costco and Hotdogs were X2+y1=3.
Useless math.
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11-07-2022, 02:27 PM
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#316 | | Rs has made me the woman i am today!
Join Date: Mar 2006 Location: Vancouver
Posts: 4,322
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Originally Posted by trollface Wtf? Did you go to Harvard or something? They didn't teach us shit.
I've never walked into Costco and Hotdogs were X2+y1=3.
Useless math. | I'm seeing lots of math problems showing up at the local grocery store though.
Guy was pushing a cart loaded with milk the other day.
Just waiting for the one where if you pushed a cart with x number of milk, each milk weighing y. The cart traveled z meters, how many cartons of milk is in it?
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11-07-2022, 03:06 PM
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#317 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
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We briefly covered taxes, but being highschool kids with maybe one job, no real income or expenses and no dependents none of the complicated stuff applied to us so I definitely didn't pay much attention to it. By the time it was relevant it was long forgotten.
What school did teach me is how to research and learn things on my own. If you didn't learn how to do that after 12 years that's on you.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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11-07-2022, 05:21 PM
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#318 | | Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011 Location: North vancouver
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Originally Posted by underscore
What school did teach me is how to research and learn things on my own. If you didn't learn how to do that after 12 years that's on you.
| I think we've proved over the last couple years that WAY too many people believe that they learned that skill, when they most definitely did not.
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98 technoviolet M3/2/5 Quote:
Originally Posted by boostfever Westopher is correct. | Quote:
Originally Posted by fsy82 seems like you got a dick up your ass well..get that checked | Quote:
Originally Posted by punkwax Well.. I’d hate to be the first to say it, but Westopher is correct. | | |
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11-07-2022, 06:57 PM
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#319 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 29,961
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Originally Posted by trollface Wtf? Did you go to Harvard or something? They didn't teach us shit.
I've never walked into Costco and Hotdogs were X2+y1=3.
Useless math. | Harvard? Maybe in another life time.
Consider me a bane to society. I contribute nothing but expect everything handed to me in life!  
__________________ Quote:
Originally Posted by BIC_BAWS I literally do not plan on buying another vehicle in my lifetime, assuming it doesn't get written off. | | |
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11-07-2022, 09:41 PM
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#320 | | They let me be a moderator. LOL
Join Date: Oct 2004 Location: Vancouver
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As a guy in Trades
I use the "useless math" every day.
Everyone told me Math was for Accounting losers
Oh how wrong they were.
Using it for my day job, then using it again for my side gigs trying to calculate Materials and profit margins, payroll.
Fuck.
So glad Calculators exist.
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11-08-2022, 07:46 AM
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#321 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
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OK, what high school did you guys go to that taught you margins and cogs?
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11-08-2022, 07:57 AM
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#322 | | RS has made me the bitter person i am today!
Join Date: Apr 2003 Location: Vancouver
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For me, anything that required using that T4 graphing calculator was useless math. The only use i got out of that thing that i was able to install bust a move on it. Made class abit more tolerable.
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11-08-2022, 09:47 AM
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#323 | | RS has made me the bitter person i am today!
Join Date: Nov 2010 Location: /
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Originally Posted by trollface OK, what high school did you guys go to that taught you margins and cogs? | Accounting 11 and it made you work in the school store lol
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11-08-2022, 10:58 AM
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#324 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
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Your high school had a book store? WTF?
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11-08-2022, 11:19 AM
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#325 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jul 2006 Location: Vancouver
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Originally Posted by trollface Your high school had a book store? WTF? | It's more likely a student run commissary that sold snacks, drinks etc. It's what my school had and it was run by the business class people alongside the special needs class.
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Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? | | |
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