Black2003SS
-
Posts
2,884 -
Joined
-
Last visited
-
Days Won
1
Content Type
Profiles
Forums
Events
Gallery
Store
Posts posted by Black2003SS
-
-
Brand: Yank SC2600 (SC300 custom stalled to 2600 for application)
Size: 258mm
Stall Speed: 2600
Brake Stall: 2300-2400
Flash Stall: 2600 I believe
Engine Mods/Power Adders: See sig
60-Ft Time: 1.8
Cost: $945+ shipping
Notes: I have had two Yank converters and had zero issues with either one. I had the TT2600 which was basically a remanufactured/stalled factory style converter. I ran that to 50k miles and it is still in great shape. I have put about 37k miles on the SC2600 converter behind supercharger duty. It is a heavy duty billet converter. I just had it pulled due to a 3-4clutch pack issue in the trans, sent it back to Yank and had them cut, clean, and inspect for $150. Yank said the converter is in great shape and ready for heavy duty use again. I asked them to replace anything that needed to be, they said the lock up clutch is really the part that wears from normal use and to replace was $80, but they said mine was in excellent condition and that it did not need to be replaced, pretty decent as they could have easily told me it needed to be replaced and I would have never known the difference. 3yr warranty. Service is top notch, phone calls always returned the same day, questions always answered, and turn around time is quick.
-
Still stewing over what? It was over 100 degrees outside and I have a daughter so yes when the AC goes out its a big deal...It was called American Home Shield...It was thrown in with the closing costs and I cancelled it...I was told from people that also "HAD" it they couldn't get anything done either.
Your unfortunate situation demonstrates precisely why buyers need to do their home work on the warranty provider before biting hook, line, and sinker (not saying you didn't because I don't know if you did, but obviously, you aren't happy with the warranty company). Some of these warranty companies are fly by night just like their automotive after market warranty providers. They pop up overnight, sometimes in a hole-in-the-wall office, take everyones money for the warranty premiums, then disappear, taking the money with them, and leaving honest hard working people out in the cold (or in your case, the heat).
-
I like that body style as much as the C5's. LT4 Conversion time:smash: I like the color too.
-
1. Some home warranties are scams. Read the fine print on whats covered.
2. YOU hire YOUR independent home inspector to inspect the home. DO NOT use your realtors "guy" or the sellers "guy". Find him on your own in the yellow pages to ensure he is truly working for YOU. Cost should be around $250-350. Make sure they are licensed.
3. Not all interest rates are created equal. Anyone can find a better rate...for more money. Rates change daily and cost money. There are points to buy down an interest rate. There are good points and bad points. My only advice is...work with a DIRECT LENDER. Do not work with a broker. If you are considering FHA, see if there is a FlagStar bank near you or a local credit union/bank that deals in FHA loans. Ask about points. Ask about loan origination fees and loan discount fees. How much are each? Origination fees are not tax deductible, loan discount fees are basically prepaid interest points and are tax deductible. Most people do not know this. Under no circumstances should you be paying anything for a loan origination fee. If they are charging you this...run dont walk away.
The way rates work is there is a range that comes out everyday. Today, for example, the range might be 3.8% to 6.0%. There is ALWAYS a zero point rate for that day. It might be 5.0%. That means with X credit score, a qualified individual should get 5.0% for no points. Of course though, the loan officer might charge extra points for a higher commission (I did it all the time). Regardless, you are still thinking about that 3.8% rate, I know you are, because thats all anyone ever focuses on. Ok. You want the 3.8%? That will be 3.25pts. What are points? Points are a percentage of the total loan amount. So if you borrow $100k, 3.25pts would be 3.25% of $100k or $3,250. So your loan discount points would be $3,250 and that would be in addition to your other closing costs.
Why would you do that? Well, it has to make financial sense. If you look at what your payment would be at the zero point rate and then what it would be at the 3.8% rate, take teh difference. Now you divide $3,250 by however much it saves you in monthly payments.
In this example, at 5.0%, the monthly principle and interest payment would be $536.82. At 3.8%, the payment would be $465.96. So by "buying" the rate down, as its called, you would save $70.86. The time of return on your investment would take 45.8 months to recoup the initial investment, so really 46 months, almost 4yrs.
The question you have to ask yourself is this, will you keep the home for 4 years? Most likely. Will you keep the LOAN for 4yrs? Not so much, especially if you gain equity and do what everyone else does, take out equity for home upgrades/repairs. If you know for 99% certainty that you will keep the loan beyond 4yrs, buying the rate down makes sense.
In perspective though, if you actually kep the loan 30yrs to term, you would save $25,509.60 over the life of the loan. That is a good chunk of change, but you have to keep the loan that long. Now, adding that extra money back onto your monthly payment every month, would cut about 7 years off of your loan. So you could pay it in full in 23 years.
That is a basic crash course in how rates work. The sad part is though that I would estimate that a vast majority of the public make love to their interest rates (metaphorically). They hug them, squeeze them, covet them like gold, and brag about them in the locker room that somehow a an eighth of a % makes them better than someone else. Quite comical actually.
In addition to buy down points, there are many other factors that go into figuring out someones rate. There are adjustments. Going back to our 5.0% zero point example, notice I said for someone with X credit, say 700 or 720 credit score. Ok, well, maybe you only have a 620 credit score for whatever reason. Well, you are higher risk, so the lender/investor on the loan might add a 1pt risk adjustment, meaing, now your 5.0% rate costs you one point. Maybe the 6.0% had a -1.0pt cost, so now your zero point rate could be 6.0%. Maybe you only had a 680 score and there is a .25pt adjustment, etc. This is basically how it works. Now...you might have a 10-20% down payment, and as a result, perhaps they could consider that less risk and give a .5pt credit adjustment, maybe moving your zero pint rat down to say 4.75%.
The fact is, two different people can and will walk into the same lender on the same day and walk out with two very different interest rates and closing costs because of their situations being so different, whether it be credit score, down payment, the size of the loan, the type of home (condo, 2unit etc), and even location sometimes.
4. Always always always read every single document form top to bottom no matter how long it delays the closing and no matter how boring it gets. If you are pushed at closing to "hurry up" and sign "here", have the ability to walk away or tell them you are going to read everything. They pressure people at the closing table to hide adjustable rate terms, pre-payment penalties, etc. A good loan company and title company will be able to provide your final closing documents 2-3days for review prior to your closing appointment.
5. Whether the market is trending up or down, lock the dam interest rate when you sign your purchase agreement and have accpetance from the seller (this is important). If the loan officer tells you that he cant lock you, he's lying. Its your right to lock whenever you want. Ask for a locked interest rate disclosure agreement when you do. This protects you from any "surprises" at the closing table as far as rate or discount point changes. If they wont provide this to you, they are in violation of RESPA laws...again, run dont walk away and find another lender, even if it costs you the home you want. Loan Officers and some Real Estate agents will ALWAYS bet on the borrowers emtional attachement to the home they want to purchase and leverage it in their own advantage to get more money out of you. They bank on the fact that if they push you around a little bit, you will accept a sudden rate change, or increase in costs because you are almost there and closing is a week away, no way will you be able to walk away from your deal, especially if you have earnest money deposit invested, that you stand to lose, based on the terms of your purchase agreement.
6. NEVER EVER use your Real Esate Agents "guy" for financing either. If offered, decline, if the realtor refuses to work with you if you dont use their guy, find another agent, simple as that. Any agent can find the same home listed in the MLS.
7. Never work with an agent that only pushes their listings, they are working for you, make them find the home you want, not the one they want to sell you.
8. There is so much more, this is, like I said, a crash course. But if you have any specific questions, I would be happy to answer them.
9. Best of luck to you in your new home.
-
Although being unemployed is painful, I think you made the right choice to be honest with you. I also interviewed with American Express Financial Services which spun off and is their own company. I know several who went through the same thing, very similar to Farmers. I also interviewed with NorthWestern Mutual, same rickroll. They turn em and burn em. I hope you find something soon.
-
Recruit Division Commander for NAVY Boot camp. I hate every day that I have to come to work.
Not knowing what is involved, but that job can not be that bad...But then again, if you have been in for a long time, I suppose any job after a while becomes miserable in some respect. I am sure the grass looks greener on the other side, but you know it most likely is not.
-
Certified Credit and Housing Counselor for a non-profit organization.
-
I apologize for not responding last night. Here is my take (opinion) on sales.
Sales is the highest paid profession in the world. Many Vice Presidents and CEO's started their careers in sales or marketing departments. Sales can be very rewarding. In many cases, you are your own boss, even though you might be paid by a corporation, you are basically running your own business and that is the mind set you need to have. In many cases, especially outside sales and business to business sales, you can dictate your own hours after establishing your business, usually within 2-3yrs. The sky is the limit as far as income is concerned. You can make as much as you could imagine at most sales positions, then again, you could earn nothing.
Now here comes the truth about sales. Since sales is so rewarding, why don't more people do it? Well, millions have tried sales, but its not for everybody and far too many don't succeed. Sales takes a special individual and it is an art form, not an exact science. In many cases, like mentioned above, you will work 60-70hours per week starting out and even though you might be doing everything they teach you through their internal sales training program, you might not see results.
It is the hiring managers job to sell you. Everything is a sale, including the hiring process. He is selling you your dream and the job to get you your dream. Just remember, he isn't really promising you anything except a chance. His job is to ensure that you are committed to the sales process, company values, and "drink the cool aid". If you are not sure what that means, it means you buy into the cult like atmosphere. This is very important, if you dont buy in, you will most definetly fail.
The six figure promise. Is it attainable, yes. Will you hit it? I can't say as I don't know you personally, but the odds are against you.
Let me describe my personal experiences with you to explain what I mean. I have worked three sales jobs for a length of time. At each of them, I was promised the sun, moon, and stars. I hit it at two of them.
I started out my sales career on the ground floor entry level at a timeshare company. I took the job because it promised decent pay for little hours while I was going to college full time. I was basically an OPC aka Off Property Contact. I would approach people that were in the Bass Pro Shops retail stores and convince them to buy a steal of a package with a catch. They could get a 3day/2night package for $59 including a complimentary entertainment package that ranged from a $100 dinner cert to two rounds of golf to two lift tickets to the local ski resort. The only catch was that they had to sit through an hour long timeshare presentation. A little harder than you think. Some people didnt care about the tour, others, couldn't stand it and wouldn't do it. I know, I heard them all "it's never an hour" "It's too high pressure", etc. I did my research and the company I worked for was less pressure than most and it truly was only an hour unless they bought into the timeshare. Keep in mind at the time I was doing this, unemployment was around 3-4% nationwide. Everyone had money...err...credit anyways (a whole different can of worms).
I ended up setting 3 store records within the first six months I was there, most sales in a day, week, and month. I was tracking $30-35/hr working only part time. Overall though, the store was only hitting 80% of budget because the manager there was lazy and hardly ever worked (like maybe 15hours per week), which is a shame because he was a good saleman. So they fired him and gave me my shot, after only 8 months of on the floor experience. Rapid promotion. I quit school and focused on that job. I worked and turned around the store from 80% of budget to over 154% of annual budget (or sales goals). We broke national records and I only worked 35hours per week. Played golf all the time, went skiing all the time, won cruises, trips to Miami, Key West, etc. I was making dam good money, not six figures, but for what it was, dam good money, especially at 23yrs old.
I told you all of that to tell you this. It was my job to hire, train, manage, and fire everyone. Anyone who has been a manager knows these roles/responsibilities and I know you have held this role yourself in your current business. The distinct difference is the revolving door and the fact that I was a sales manager, not a business manager. What I didn't tell you earlier is that when I started at the company, I was one of about 15 people who were hired that month, and I was only one of two who were left 9 months later. When I took over, I was forced to clean house, letting go of the entire sales staff except for one super star. I then began hiring, training, and firing, every month. Now I was selling the job. I had to entice people to want to work there. There arent many people who wanted to work there. Finding people who could and would do the job was harder than selling the dam packages. It was almost to the point of a lie, but not directly. I told every prospective hire that sat in front of me, my success story, how much money they could make, and how quickly they could advance. In reality, only about 1 in 10 would last longer than 3 months and 1 in 20 would last longer than 6 months or more. They wouldnt hit their quotas or they had poor work ethics. Typically, it was the former, they just couldnt hit their quota no matter how hard they worked. Out the door they went and in came the next young gun thinking he/she could cut it with the same pie in the sky enticements I gave their predecessors. I promoted two to other stores out of probably 100 new hires in a little over two years.
I liked the company and the job, but it was not something I pictured doing for the rest of my life. I was approached my someone else I knew who said I was wasting my time there and needed to think "big". They told me mortgages were where the money was. So I bought into the cool aid and I was of to Quicken Loans. Yes, that Quicken Loans.
I thought I was a bada$$ sales person. No, I was still a novice as I soon found out. Quicken has a sales training program that is unlike anything in this country. The training program is to sales as boot camp is to Marines, the hardest, the best.
I started in 8/05 and there were two hundred people in my training class. I was in the top ten the first 3 months. We lost 50 of those 200 by the six month mark. By our one year anniversary, we had lost about 150. At the two year mark, there were merely 12 of us left out of 200. And they ran training programs of that magnitude almost every month for 3-4 years during the mortgage boom. They've slowed down a lot in recent years.
At Quicken I was promised six figures, and I would hit it. There was a girl who was 21yrs old with GED and she made over $200k her second year. Sick money to be made. It didnt matter you were before, it only mattered what you did that month. But for every one making six figures, there were at least 30-50 people who were shown the door for not meeting quota after a couple of months. We were required to make 100+ dials (calls) per day and leave 40-50 messages per day. Even the ones shown the door made their dials and left messages, but they lacked the art of the sale to close the deal.
I eventually left Quicken in 2008 because the market had switched radically, sales were down 50% and I was working 60hours per week to earn half of what I was when I first started. Even the big shooters were only making half. I also started to realize what was really going and grew a conscience. The fact is, most mortgage companies were selling not so great products and we were hurting just as many, if not more, people than we were helping. It almost came down to flat out lying and I would not do it to get a sale. Many would lie all day long.
Eventually, I decided I wanted to do some good and stop hurting people. Mortgages were a rip off. We were making $10k/month paychecks at times for the pure ability to convince people to go through our company for a loan. Most of the sales staff were not financial experts, they had a knack to talk people into doing business (thats what sales is). The problem was, I no longer was drinking the cool aid. I wanted to go back to school, and make a steady salary. The income fluctuated wildly the last year. One month I might have got a $7-8k check and the next, maybe $2k. I wanted something more stable and knew I was capable of more. So I left and went back to school, finishing my degree at 28 yrs old.
I would give sales one more try. I went to Xerox and tried business to business sales. I could do it, I just realized after a few months that I no longer had the desire to. B2B sales people are viewed almost as bad as telemarketers. The secretaries at these businesses I was calling on saw 50-100 guys pedalling everything from office equipment to toilet cleaning supplies. It sucked.
I ended up landing a job at the non-profit agency I work at currently. I get a modest salary with full benefits, a pension plan, and 3 weeks vacation per year. I dont make six figures, but I dont have the stress, the pressure, the dirty feeling I used to get. I actually help people now. I never hurt anyone at the timeshare sales place, but I wonder about some of the clients in the mortgage industry, if they still have a home, etc. Even though I technically never violated any RESPA laws or did anything illegal, some of the practices still were not right. When analysts say the mortgage industry ruined our economy, they are right. Banks and sales people (loan officers and real estate agents mostly) drove our economy right off a cliff.
My mother works for a nationally recognized financial advisors firm. She has been there 15 years. She has her series 6, 7, 66 and other various licenses. She has also seen many people come and go. One year, they hired 100 people/interns to study for the series 7. By the end of the year, they had kept just one person.
I see Farmers Insurance advertise all the time. They are constantly hiring. And when I say this, take it with a grain of salt. They do not give a rats a$$ about you. They told the guy before you and will the guy interviewing after you the same song and dance, probably verbatim.
With all that being said, I probably have detracted you from wanting to try. Perhaps not. I just want you to know the ugly truth about sales. There are even movies that are sometimes strangely worshipped in the sales culture.
Three movies to watch:
Wallstreet (1987) Michael Douglas and Charlie Sheen
Boiler Room (2000) Giovanni Ribisi, Vin Diesel, Ben Affleck
Glengarry Glen Ross (1992) Al Pacino, Jack Lemmon, Alec Baldwin
Watch those movies if you havent already and you will get a hollywood sensationalized version of sales, albeit with some dishonesty, however earily close to the underlying reality of sales. I would suspect Farmers to not be too different from any other financial product. You will be calling people who dont want to talk to you. You WILL get the door slammed in your face. You better have thick skin. People will swear at you, call you names, and maybe even make death threats against you. Be prepared to take blame for things that are out of your control and not your fault. I still know some good sales professionals that are overall decent people, but for every decent hearted sale person, there are probably 20 sharks that would sell their soul to satan.
As I stated at the beginning, this is my opinion. I'm sure I might even get bashed for some of my views or experiences. I could probably write a book on my sales experiences. However, so could thousands more people. If you decide to do it, you MUST have a positive attitude.
-
When I get home later tonight, I will post my thoughts on this career path. Like anythign else, there are pros and cons. I have 7yrs experience working on 100% commission to salary plus commission and I can provide some valuable insight into the ins and outs of the sales industry related to insurance. I'm at work right now though and don't have the time required to get into specifics. I will say this much though, I'm done and out, I work for straight salary now, which I will explain later.
-
Not sure if you would really classify them as extreme by todays standards but I Mountain Bike (XC and TT race on a team for the first time this upcoming season). I also alpine downhill ski as well. I used to race slalom and GS along with some low key local mogul competitions, but I haven't competed in probably a decade. I still ski every week though, been with the National Ski Patrol for 15yrs this winter. I wouldn't classify them as extreme, but they are definetly not mainstream like your main sports like football, basketball, and baseball.
-
To bad I cant get service on it, that would be pimp... Not to use while driving but just to show off the technology from the late 80's early 90's
Yeah...analog is a thing of the past, no carriers in the US offer analog anymore if I recall correctly. Would be sweet for a car show or what not...working 80's bag phone in an 80's car.
-
Although I completely agree with the fact that banning texting, talking on cell phone, etc makes sense from a common sense standpoint, I'm not convinced the laws actually make a difference. I just read an article (trying to find the link again) that had results from the National whatever they call it Insurance Institute, the ones that determine crash ratings for insurance companies and do all this research for insurance companies to help develop risk models for policies. The article stated they surveyed accidents in states/regions that have similar laws being discussed here and that after a significant amount of time for the law to be in effect, the accident rate had not decreased. Whether thats due to the laws not being enforced (which is a huge possibility, just because the law exists, does not mean law enforcement applies it for various reasons), or people just not caring and doing it anyways, recent studies do show the laws have little affect on reducing the number of traffic accidents. I also think texting is retarded while driving. What the hell did we do 20yrs ago the car with no cell phones (remember those bag phones and ridiculous charges?)?
-
Apparently, we have to add /converters/ to the web address to get to the website. Just for future reference, the following is the correct web address:
http://www.converter.cc/converters/
Thanks Wickedowesix for the reply. I was doing the same thing, just putting in www.converter.cc and for some reason, it won't go to the website with that.
-
I'm trying to get to the Yank converter website to contact them and I cant seem to pull up their website on any of computers, says it is not available. Did they go belly up?
-
Isnt it Doctors of Performance here in Michigan (a friend of Zippy's) that does those one off front mount turbo builds? And I think they even built blackyss turbo? You might be able to consult with them for advice or even get some parts from them. Also, keep your eyes open for a used livernois kit floating around or see if you can get some specs on those kits, they were pretty good with an upgraded turbo.
-
I think he's looking for the thickness of the spacer you have to order from magnuson to make them work. Maybe he wants to try to come up with his own spacer for the pulley to work.
-
I got the stock pulley replaced with a NAPA parts pulley for $19 a week ago. The stock pulley was really bad. The bearing was shot. I think it was robbing some power or causing belt slip and might have even caused my belt to jump off a couple weeks back. Now that the new pulley is on, the truck is much more repsonsive, smooth, and runs better. If that pulley was sticking or slowing down, I'm sure it was affecting the supercharger, however, I was not paying attention to boost PSI lately, so I dont really know.
-
NBC never imagined that Leno was going to be as successful as he was when they made the deal with Conan. They also figured that Leno (even he thought as well) would want to retire at that point. But things change. They should have told Conan that as long as Leno is in and doing well, he's the man. When he starts to slip or wants out, then you get the nod, but not until. NBC's biggest mistake was putting a guarantee or dead line on everything. It's like an NFL team having 2 star quarterbacks, it doesnt work well for long. You pick someone, stand behind them, and trade the other guy out unless he's content with being benched. Leno is hands the better comedian than Conan and appeals to more people. It's not that Conan isn't good, he is in his own right (I dont like his style either), his late late show ratings showed people liked him, but those are not always the same people that watch the Tonight Show. Leno also took his band with him too, that hurt. NBC was also banking that the public would come around and warm up to Conan and soon forget about Leno like they did for Leno when he took over from Johnny. I remember when Leno took over, not many people were happy about it, swore they would never watch again, but they did, and Leno turned out ok. But I think the landscape has changed a little bit and with advertising revenue shrinking, they needed a turn around faster. Conan and the Tonight Show ratings tanked when he took over, thats the long and short of it. I dont know what he is whinning about. He's out, Leno is in. Tonight Show will be back up in ratings, and NBC will have to sort out the mess.
-
I agree. I would sell mine for less than that, even though I have a few more miles...and I have a lot more done...If you want a supercharged truck, lets talk.
-
I have worn Bolle, Revo, and Okaley's in the past. One pair is at the bottom of a river somewhere in West Virginia. The bolle's lasted a few years and started to just get old.worn. I still have the Revo's, but hardly ever wear them. I needed something more durable for riding mountain bikes and ended up going with a set of Tifosi with interchangable lens. I think they were around $65, shatterproof, durable, easy to change lens for low light conditions, came with a set of clear, rose, and fire/ice mirror coated lens. I like them. I use them for skiing as well, but they also look good for everyday use, somewhat like Oakley's from a distance.
-
...but I wish I could have gotten mine with a rubber floormat instead of carpet.
You could try these? I've seen them in Motor Trend myself and have contemplated ordering a set.
http://www.weathertech.com/store/mvproduct...ptChoiceIds=134
A review of the product...could find many more online. Not many complaints from what I have seen.
http://www.paulstravelpictures.com/Weather...d-LX/index.html
-
Where can I look at those Brad? Also, would I need the spacers? Thanks.
-
Thanks. I'm going to swing by the junkyard in the morning and see if they have one lying around for cheap and order the aluminum pulleys anyways. I just for the love of gawd want the chalk board screeching to cease immediately. It sounds like a freaking 92 lumina Z34 with a bad bearing...lol.
-
If I call magnuson and ask about the spacers, they would know what I'm talking about right? Thats not a bad price. Just hoped to solve it in a day or two not a couple of weeks waiting around for parts to ship. Thanks for the info.
How Fast Can I Go Before I Break Stuff?
in AWD, Differential, & Transmission Tech
Posted
13.19@ 101 and my stock trans went with around 66k on the clock. Front diff had issues at 64k. When the trans went, the transfer case also went at 66k miles. Even with a built trans, my 3-4 clutch pack started slipping after 35k. At 37k, lost the 3-4. The builder is taking good care of me even though its out of warranty.