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Old 09-09-2014, 05:57 PM
Farmer17 Farmer17 is offline
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Default Do young people resist the widsom of older people more because they have the internet

My 22 year old step son was wanting a new car because he was tired of his 2010 Hyundai Accent. I told him it may not be the coolest car in the world but it gets 40 mpg and has a 100K warranty and he might as well keep it and pay it off. He didn't do the college thing and works at a restaurant while he is supposedly saving his money so he can move out on his own. I told him everyone loves new cars but they are a BIG expense and he is better off keeping what he has and saving his money. Well, he didn't take my advice and he comes home with a 2008 black Mazda Miata and he is so happy he was bouncing off the walls. He said "look what I bought", and I said that's really nice, what did you pay for it? He said "I dont really know..Uh...we just kind of traded even". Then he said "but my payments went up $65 per month. I asked him, how long is the loan for and what is the interest rate? He said "four years and I don't know what the interest rate is". I find out later his loan was for seven years and his total payments will equal over $23,000 for a six year old car.

I try to teach him things but I can see in his eyes he is "hitting an internal mute button" and is not hearing a word I am saying, but he will spend hours on the internet and gets all the knowledge he wants. My wife says "sometimes kids need to make their own mistakes", so I am staying out of it now. I just remember when I was a kid my dad and my older brother-in-law would tell me things and I would listen hard because their was a lot of wisdom behind what they were saying.
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Old 09-09-2014, 06:01 PM
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Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet  
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As long as he doesn't hit you up for the money,I'd let him figure it out on his own.I'll comment if my kids ask for my advice,but that's about it.
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Old 09-09-2014, 06:01 PM
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Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet  
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No, it's just part of that young and stupid phase. It lasts longer for some than others.
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Old 09-09-2014, 06:09 PM
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I was convinced my parents just had to be the most out of touch people on Earth until I had to take care of myself. Then I discovered they were not near as dumb nor I as smart as I thought. Al Gore had not yet invented the Net.

He's 22. Time for him to move out and learn how wonderful a car payment is... in addition to rent, utilities, food and the cost of all that other stuff in life. The learning curve is usually quite steep.

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Old 09-09-2014, 06:10 PM
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For a lot of people that Young and Stupid phase lasts into their 60s and 70s.
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Old 09-09-2014, 06:15 PM
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If he can afford a "car upgrade" then raise his rent. He IS paying you to live at home isn't he?
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Old 09-09-2014, 06:19 PM
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When I was 18, I could not believe how dumb my dad was.

After I turned 25, I was astonished how much he had managed to learn in 7 years.



(With thanks to Mark Twain, I think it was.)
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Old 09-09-2014, 06:21 PM
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You only learn from making your own mistakes if you suffer the consequences, which will not happen if someone bails you out every time you screw up.
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Old 09-09-2014, 06:28 PM
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Ah car salesmen..U gotta luv em. Was your son wearing the bulls-eye t-shirt when he walked in?
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Old 09-09-2014, 06:34 PM
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Call me the perennial dissenting opinion, but if there is a time and a place for a roadster type car, age 22 is it.
Not too far into the future, it will lose it's fit.
He ain't suffering, he's livin'.
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Old 09-09-2014, 07:02 PM
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22, living at home and working in a restaurant. IMHO, I think that not taking your advise about paying off and driving that old car and making a financial mistake like that will do two things. One, push him down financially and two, keep him at home a whole lot longer.
Same thing happened to my kids, took a long time to dig out. Kids today have so much more access to information yet appear a lot less knowledgeable about the workings of the real world. Best of luck to the young man.
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Old 09-09-2014, 07:36 PM
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His new car is two years older than his old car and I'm sure it has more miles on it as well but none of that matters, all he cares about is how cool he looks, on the plus side you can't recline the seats on the Miata.
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Old 09-09-2014, 07:53 PM
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Quote:
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If he can afford a "car upgrade" then raise his rent. He IS paying you to live at home isn't he?
I'm afraid not
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Old 09-09-2014, 08:16 PM
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Well... then you're the one subsidizing his car payment. Seems like the kid is the smart one.
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Old 09-09-2014, 08:23 PM
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Update:

I was curious what a 2008 Grand Touring Mazda Miata was worth so I looked on Craigslist and saw the EXACT car my stepson bought at the used car dealer. They had not removed their ad yet after he bought it and they had the car listed for $13,500.00 I then looked at my stepsons loan documents and they charged him $18,546.00 for the car then they added an extended warranty for $3,000. I told him about it and he went down to the dealer and they said "sorry but that's the way it goes". My wife said she is going to the dealer tomorrow with the Craigslist ad, but my question is, do we have any legal recourse? I have always heard Oklahoma has a 3 day period to rescind and get out of a car sale if it is purchased from a dealer or car lot.
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Old 09-09-2014, 08:26 PM
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He's 22. He made a deal to buy the car. End of story. Following the kid around trying to fix his mistakes for him isn't the answer, it's part of the problem.
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Old 09-09-2014, 08:32 PM
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He's paying for it so he needs to fix it. Or not. But since he's such a responsible adult I'd tell him that he needs to pay rent now. But that's just me....
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Old 09-09-2014, 08:42 PM
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Why, when I was your ageCLICK!

'Twas ever thus.
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Old 09-09-2014, 08:43 PM
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The difference between the $13k and $18k figures "May" be the difference between what was still owed on the 2010 vehicle and what the trade in credit was. Owed $7k but was only given $2,500 "in trade." One of those "We'll pay off your car loan, no matter what you owe." type things.
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Old 09-09-2014, 08:48 PM
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When my kids were in the 12 -14 age range, I could tell them something till I was blue in the face.... no listen. Let their friends tell them the same thing and it was gospel.

Fortunately, by the time all four kids graduated from high school, they had jobs, a car they paid for, they paid insurance, they paid gas and if they chose not to go to college and still lived at home, they paid me rent, cleaned their own rooms, bathroom and did their own laundry.

My kids learned early on: I would NOT bail them out of their stupid mistakes..... and that "life ain't fair".
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Old 09-09-2014, 08:51 PM
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Quote:
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The difference between the $13k and $18k figures "May" be the difference between what was still owed on the 2010 vehicle and what the trade in credit was. Owed $7k but was only given $2,500 "in trade." One of those "We'll pay off your car loan, no matter what you owe." type things.
No, that was an additional cost also added. He owed $9,200 on his 2010 Hyundai and they gave him $6,000. So the Miata was $18K plus $2,800 to pay off the old car, plus $3,000 extended warranty. Total loan amount $23K+.
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Old 09-09-2014, 09:14 PM
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Read the fine print, you may be able to cancel the extended "warranty" in the finance office.

Your son, being an adult, may not be able to get out of the contract he signed.

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Old 09-09-2014, 09:18 PM
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My Mom gave me my original birth certificate when I went out on my own. She thought I might need it.

My Dad pointed out that nowhere on it did it say "Life is fair".

They helped me a few times. I helped them as well. The circle of life as it is.

It's called family. You can pick your nose, You can pick your friends but you can't pick your family.

Take care of each other, Don't take advantage.
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Old 09-09-2014, 09:31 PM
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Millenials. They're ALL like that.
They don't have a sense of competing for anything because they never had to.
They don't have an understanding of failure because they weren't allowed to.
And they don't have a sense of loyalty because it was never expected of them.
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Old 09-09-2014, 09:32 PM
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"Do young people resist the wisdom of older people more because they have the internet"

The internet is certainly a great provider of knowledge for just about everything.

Wisdom gives one the ability to apply knowledge to the situation or task at hand.

Just knowing a lot of stuff does not make one wise.

Sometimes knowing what not to do is the best way to go.

BLM
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Old 09-09-2014, 09:47 PM
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I'm sorry but I think its just a generational thing, kids have to make their own mistakes they don't want to listen to the advise of their elders. I'm always bemoaning the fact that my son won't listen to me, my wife will quip "Would you have listened to your dad?" The answer was "No, probably not."
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Old 09-09-2014, 09:47 PM
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Here's my story: I used to work at a car dealerships and got pretty good at finding out which were junk and which were OK.

My sister asked me to go look at a truck my nephew (24 at the time) was going to buy from a private party. He was talking it up like it was the greatest thing he every saw. He was going to use it to haul a camper.

We get there and it's a late 80's early 90's F250. It looked good from about 30'. It was repainted and it looked like it was painted in a windstorm. Overspray was all over glass, mouldings tail lights - but it was shiny!!!

I asked to pop the hood and it was obvious it had been hit and it smelled like it was running hot and had been for a while. The motor was relatively clean - it looked like it had been steam cleaned at some point. I looked at the oil cap and it had caked on oil residue - but the oil was fresh on the dipstick. When I asked him to start it, there was a loud CLACKING noise coming from the block. I mentioned that and the owner said it was "noisy lifter". Yeah, right! I was asked if I wanted to take it for a test drive, and I said "No, we're not interested, there are too many things wrong," and walked away. I didn't look at the interior or ask about the mileage. It was a bad deal at ANY price.

My nephew looked at me like I killed his dog. He was telling me that I was mistaken and it was a good truck and just needed a few things and it would be OK. I told him he'd be better off taking the money and wiping his hind end with and tossing them out the window.

To make a long story short, he bought the truck. About a month later his truck over heated and left him on the side of the road. About six months or so later, the engine threw a rod. I don't know how much money he dumped in that ***.

Here's the kicker; my sister says I didn't do enough to keep him from buying junk!
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Old 09-09-2014, 10:05 PM
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point the Miata towards a navy,army,etc recruiter.......problem solved,it's grow up,get smart or else.
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Old 09-09-2014, 10:36 PM
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Sure he is going to College, Hard Knock University, its pay as you go! In his defense (a bit) I had to help my sister buy a car a few weeks ago and found the process a bit daunting. We found a one year old car with a lot of factory warranty left that suited her. The salesman asked what we had for down payment and such and ran off to get financing before even telling us what they wanted for the car. He came back beaming and told us with a flourish, its only $243.00 a month! I said well Sparky you got a bit ahead of yourself here, how much is the car and how many months are the payments? He got a bit flustered and said, most people don't care how much it is just how much per month! I responded with, we are not most people and before we leave do you want to sell us that car or not? Well he settled down and we did the buy a car thing and managed to work out a deal considerably less than his initial offer. He was slick though and I can see how a youngster can be caught up in the moment.
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Old 09-09-2014, 10:54 PM
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I went through a few cars under the advice of my parents.
After it was time to call the time of death on the Plymouth I kept running for nearly a year, busting my knuckles on it every other week,it was time for its replacement.
Not having my own mode of transportation, mom graciously took me on a tour of the stealerships where she kept trying to get me to buy something practical.
I had some money, but not in a quantity I'd have liked. The constant repairs on that blasted Plymouth had been draining me more than I realized.
My stomach turned with every single vehicle I saw.
I knew by the smell, that it would be a new set of scars added atop the ones I would have later after my hands scabed over.
Ma was nagging ,and I felt something snap.
I raised my head and turned to face her and lay into her about what it is like to never know what healed hands are like.
Instead, I caught a flash of red in the background as I drew a breath.
In milliseconds, the speech of wrath transformed into "STOP THE #%^#$ CAR RIGHT NOW"
I still have that Mustang, bought private sale, in a moment of defiance.
Parents are not always right.

Hyundai engineering, vs Mazda ...
maybe he got boned on the deal. But hopefully the merit of its superior quality will carry him far enough to get a solid foothold in life.
saw a Hyundai driven by a 18 year old girl for two years. It's worth it's weight in scrap now.
Abuse, or just fell apart on her, I can't tell you. Probably a good amount of both from what I saw.
45k miles at time of death.
It's not all bad.
If his stupid supply ran out at the deal, it has a better chance of being a valuable collector than any hyundai.

Advise him to seek better paying jobs.
That's far more constructive.
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Old 09-09-2014, 11:05 PM
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Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet  
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Default My 14 year old son.....

He's learned everything he knows on the internet and besides, he gets legal advice from his friends. He's really fixed up. All he needs us for is money.
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Old 09-10-2014, 11:06 AM
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Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet  
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My Dad pointed out that nowhere on it did it say "Life is fair".
I'm glad life isn't fair.
If life was fair, I'd be in prison.
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Old 09-10-2014, 01:22 PM
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Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet  
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You only learn from making your own mistakes if you suffer the consequences, which will not happen if someone bails you out every time you screw up.
In here--IM a prime example of this post. :-))
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Old 09-12-2014, 08:52 AM
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Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet  
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Default Do young people resist the widsom of older people more because they have the interne

No, they resist it because they are young people, just like we did when WE were young people.
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Old 09-12-2014, 09:14 AM
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Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet Do young people resist the widsom of older people more because they have the internet  
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No, they resist it because they are young people, just like we did when WE were young people.
Too soon old, too late smart.
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