The cars we love/hate & the cars we may buy.

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vnatale
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Re: The cars we love/hate & the cars we may buy.

Post by vnatale »

Mark Leavy wrote: Sat Jul 04, 2020 11:01 am
bedraggled wrote: Sat Jul 04, 2020 8:24 am Since the thread was drifting....

Mark,
What repairs did the $5,000 cover?

I'll post my repair experiences in the next post.

Thanks
All new suspension rubber.
Engine seals and gaskets and oil pan.
motor mounts
Tires
New fluids
front right axel and a stabilizer bar
thermostat
alternator
brakes
battery.

It didn't necessarily need all that, or maybe even any of it if I were just going to be city driving, but I knew I was going to be driving the hell out of it on remote highways and I figured it was cheap insurance.

The original owner had maintained it fairly well. Just some things were older than my comfort zone allowed.

Runs like a dream now. I've put 6000 miles on it in just 3 weeks. There's a dealer where I am now, so I'll take it in for a tune-up and tire rotation on Monday.
I don't even drive that many miles in a year!

And, if you were averaging 75 mph that would be 80 hours in the car over those three weeks? 5-6 hours per work day?

Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: The cars we love/hate & the cars we may buy.

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Vinny,

Our 1991 Accord spent 27 years in New York.

For the accountant in both of us, in 2015, I had a $2500 rust remediation job done on the underside of the car. Our auto body guy in the Bronx, said I had a hole in the trunk, for starters. An acquaintance who recommended me to the repair guy, chatted with the owner and we all concluded the work was done at a discount. I.e., I was treated well.

The accountant part of me demanded I amortize the repair, compelling me to hold on to the car.

The car and its 2 drivers have seen more than our fair share of ice, snow and slush. We still appear up north and drive in the stuff. A really memorable night was when the tires get so packed with frozen slush, there was no real traction and, at best, questionable control. Even with foot-off-gas and 200 yards or more from a red light, I had feelings of helplessness as the car "drifted" toward the intersection. "When do I tap the brakes)?" This was on the north side of Cleveland 3 years ago.

To attend a wedding 3 years ago, we drove from our daughter's home in Cleveland, where she moved after living in western Pennsylvania, to our son's home in Albany on I-90. From south of Buffalo, near where I attended college, to near Depew, I had the opportunity to drive on the nicest slick ice I ever encountered in my 65 years on earth. After that experience, I thought I may be getting tired of such driving. But that wasn't the primary motivation to move to Florida. Oh, I had the unique experience of having my gas cap freeze in place in Maryland while on the way back to sunny Florida, after visiting my children. The tank was near "E:" same 1991 Accord and new memory.

Two days ago, after a Mobil 1 oil change, the mechanic said my belts had a year left. I told him we'll order the parts and do it in 6 months.

I have 4 years left on the tires and battery. And then a Tesla or some electro generic.

I hear I would get a key fob. What's a key fob? We do like our 30 year old Accord.

Forty years of driving in salt, crud and snow. Many laughs.

And to all a good night!
(Best read with ice and snow on the ground).
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Re: The cars we love/hate & the cars we may buy.

Post by bedraggled »

Mark,

You and I are on the same page re maintenance. I tell the mechanic to "find something wrong, please."

Tech,

For whatever reason, I like sitting in repair shops. I've learned a few things in the past 30 years.

Cheers.
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Re: The cars we love/hate & the cars we may buy.

Post by bedraggled »

market watch.com had an article by a wealthy investor asserting the path to wealth is driving a crappy car. I believe he directed the thought to the younger people. Maybe the HBPP 4x25 people have a chance.
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Re: The cars we love/hate & the cars we may buy.

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bedraggled wrote: Sat Jul 04, 2020 12:28 pm market watch.com had an article by a wealthy investor asserting the path to wealth is driving a crappy car. I believe he directed the thought to the younger people. Maybe the HBPP 4x25 people have a chance.
AND living in a cheap house!

Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: The cars we love/hate & the cars we may buy.

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bedraggled wrote: Sat Jul 04, 2020 12:19 pm Vinny,

Our 1991 Accord spent 27 years in New York.

For the accountant in both of us, in 2015, I had a $2500 rust remediation job done on the underside of the car. Our auto body guy in the Bronx, said I had a hole in the trunk, for starters. An acquaintance who recommended me to the repair guy, chatted with the owner and we all concluded the work was done at a discount. I.e., I was treated well.

The accountant part of me demanded I amortize the repair, compelling me to hold on to the car.

The car and its 2 drivers have seen more than our fair share of ice, snow and slush. We still appear up north and drive in the stuff. A really memorable night was when the tires get so packed with frozen slush, there was no real traction and, at best, questionable control. Even with foot-off-gas and 200 yards or more from a red light, I had feelings of helplessness as the car "drifted" toward the intersection. "When do I tap the brakes)?" This was on the north side of Cleveland 3 years ago.

To attend a wedding 3 years ago, we drove from our daughter's home in Cleveland, where she moved after living in western Pennsylvania, to our son's home in Albany on I-90. From south of Buffalo, near where I attended college, to near Depew, I had the opportunity to drive on the nicest slick ice I ever encountered in my 65 years on earth. After that experience, I thought I may be getting tired of such driving. But that wasn't the primary motivation to move to Florida. Oh, I had the unique experience of having my gas cap freeze in place in Maryland while on the way back to sunny Florida, after visiting my children. The tank was near "E:" same 1991 Accord and new memory.

Two days ago, after a Mobil 1 oil change, the mechanic said my belts had a year left. I told him we'll order the parts and do it in 6 months.

I have 4 years left on the tires and battery. And then a Tesla or some electro generic.

I hear I would get a key fob. What's a key fob? We do like our 30 year old Accord.

Forty years of driving in salt, crud and snow. Many laughs.

And to all a good night!
(Best read with ice and snow on the ground).
Then you've had quite good fortune with that car! One of my softball teammates was given a car like yours a few years ago. He himself did a lot of work on it and it seems to still be going fine.

$2,500 for rust remediation! I thought I was spending a lot when I was spending $500 to deal with those two wheel wells.

I remember one body shop person analogizing the rust to cancer. He said you could cut it out and deal with it. But it's always going to remain there and come back.

Is your car of the vintage (like my 1984 and 1986) were where in you had to replace the timing belt and water pump every so miles just in case? And, it was a fairly expensive repair? By the time I got my 1995 it was no longer.

Each of my four Honda Accords have been absolutely horrible on snow without snow tires. I decided this last go round to go full all out - studded snow tires.

And, it's only been with this "newest" car that I've experienced what you describe below in that when the tires get packed with slush the brakes are working far from optimally.

I hate the key fobs! So expensive. When I bought my 1995 first thing I did was head to a place to get 7 key copies made so I could put them at various strategic locations. Cost? Less than $10.

Get this "newer" 2004 and I'm told it cost $200 for 3 keys! And, you can only have 5 keys active at once! Luckily I still have the three keys from when I bought the car 6+ years ago. I actually wear one of them around my neck so no matter what I always have access to my car key.

Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: The cars we love/hate & the cars we may buy.

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That market watch.com investor may have a point re crappy cars.

My car insurance is $1,000 annually. My repairs will be approx $600. I'll drive 5000 miles this year: about 165 gallons of gas. That's $2000 for the year. Something's working.

Vinny,

The car is vintage- timing belt and water pump every 90,000. I now realize 360,000 miles is divisible by 90,000, so I'll need to get back to the mechanic. I'm only driving 5,000 miles in 2020 with the social distancing stuff, so there's time. I take that repair in stride.

We never got snow tires. A pain in a New York City apartment. You make the case, though.

My daughter had to get programmed keys. That was "hilarious." How much?!?!?! She was in college. Her mom and I paid for the keys.

My son's card needed new headlights. The plastic lights cost $900. My old Accord has eccentric glass headlights that don't fade. The lights last for decades. Weird, huh?

I'm not yet convinced that new is better in the car world. My brother's back-up camera works most of the time and his courtesy lights have rarely worked. I understand lane drift alert systems are almost fool-proof.

Cheers.
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Re: The cars we love/hate & the cars we may buy.

Post by vnatale »

That is quite high insurance for a car of that age.

I have zero collision (have not had that on that on any car since sometime in the 80s). But extremely high liability limits and my insurance bill is around $225.

I seem to remember that timing belt / water pump job was in the $600 range. But that was at least 15-20 years ago. What is it now?

A few other notes regarding my four Honda Accords.

The first one was a plain DX Hatchback.

The last three have been fully loaded - moon roof, power windows, air conditioning, other thing things the DX did not have. You pay next to nothing for those things when you buy the car used.

But he distressing part has been the miles per gallon.

1984 got 33.
1986 got 30
1995 got 27
This 2005 only gets 25. And, low 20s in the winter.

Vinhy

bedraggled wrote: Sat Jul 04, 2020 1:03 pm That market watch.com investor may have a point re crappy cars.

My car insurance is $1,000 annually. My repairs will be approx $600. I'll drive 5000 miles this year: about 165 gallons of gas. That's $2000 for the year. Something's working.

Vinny,

The car is vintage- timing belt and water pump every 90,000. I now realize 360,000 miles is divisible by 90,000, so I'll need to get back to the mechanic. I'm only driving 5,000 miles in 2020 with the social distancing stuff, so there's time. I take that repair in stride.

We never got snow tires. A pain in a New York City apartment. You make the case, though.

My daughter had to get programmed keys. That was "hilarious." How much?!?!?! She was in college. Her mom and I paid for the keys.

My son's card needed new headlights. The plastic lights cost $900. My old Accord has eccentric glass headlights that don't fade. The lights last for decades. Weird, huh?

I'm not yet convinced that new is better in the car world. My brother's back-up camera works most of the time and his courtesy lights have rarely worked. I understand lane drift alert systems are almost fool-proof.

Cheers.
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: The cars we love/hate & the cars we may buy.

Post by Mark Leavy »

vnatale wrote: Sat Jul 04, 2020 11:24 am ...
I don't even drive that many miles in a year!

And, if you were averaging 75 mph that would be 80 hours in the car over those three weeks? 5-6 hours per work day?

Vinny
That's because you don't drive a Mini Cooper :)

I feel like Tony Stark when I strap myself into the cockpit. The metal folds around me and the machine responds to every thought.
Mr. John Cooper was a genius. Why would you not drive it? And it's hard to keep it under 90 while winding through the continental divide. It really doesn't even start to hit its stride until then.
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Re: The cars we love/hate & the cars we may buy.

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Mark Leavy wrote: Sat Jul 04, 2020 1:31 pm
vnatale wrote: Sat Jul 04, 2020 11:24 am ...
I don't even drive that many miles in a year!

And, if you were averaging 75 mph that would be 80 hours in the car over those three weeks? 5-6 hours per work day?

Vinny
That's because you don't drive a Mini Cooper :)

I feel like Tony Stark when I strap myself into the cockpit. The metal folds around me and the machine responds to every thought.
Mr. John Cooper was a genius. Why would you not drive it? And it's hard to keep it under 90 while winding through the continental divide. It really doesn't even start to hit its stride until then.
What are the maximum speed limits where you are driving and what are the maximum speeds you drive at?

I used to drive 85 in a 70 MPH zone on our local main highway. But I stopped that once I discovered the immense (to me) benefits of cruise control which makes me much more relaxed with far less anxiety when I'm driving.

Now I so value it so much that I think a few years ago I even paid $500 to get it repaired after a cable broke.

Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: The cars we love/hate & the cars we may buy.

Post by Mark Leavy »

vnatale wrote: Sat Jul 04, 2020 1:54 pm What are the maximum speed limits where you are driving and what are the maximum speeds you drive at?

I used to drive 85 in a 70 MPH zone on our local main highway. But I stopped that once I discovered the immense (to me) benefits of cruise control which makes me much more relaxed with far less anxiety when I'm driving.

Now I so value it so much that I think a few years ago I even paid $500 to get it repaired after a cable broke.

Vinny
Speed limits are 80 through Utah, Wyoming, Montana, South Dakota. Even through the winding rockies. 75 in a lot of neighboring states.

You can generally do 10% over without triggering a speed trap. And it's the gear changes around the corners and the other cars that make it all fun. If I'm in a really remote area with high visibility and no other cars and no speed traps marked on the google map, well... then 100/110 for fun. But only if I can see far enough ahead to avoid a deer or a blown tire in the middle of the road.

I tried cruise control a few times in Nebraska and Kansas. It makes me nervous as hell if there are any hills or curves or other drivers. I have to take over, just for my own sanity. Otherwise, it is great :)
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Re: The cars we love/hate & the cars we may buy.

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Mark Leavy wrote: Sat Jul 04, 2020 2:06 pm
vnatale wrote: Sat Jul 04, 2020 1:54 pm What are the maximum speed limits where you are driving and what are the maximum speeds you drive at?

I used to drive 85 in a 70 MPH zone on our local main highway. But I stopped that once I discovered the immense (to me) benefits of cruise control which makes me much more relaxed with far less anxiety when I'm driving.

Now I so value it so much that I think a few years ago I even paid $500 to get it repaired after a cable broke.

Vinny
Speed limits are 80 through Utah, Wyoming, Montana, South Dakota. Even through the winding rockies. 75 in a lot of neighboring states.

You can generally do 10% over without triggering a speed trap. And it's the gear changes around the corners and the other cars that make it all fun. If I'm in a really remote area with high visibility and no other cars and no speed traps marked on the google map, well... then 100/110 for fun. But only if I can see far enough ahead to avoid a deer or a blown tire in the middle of the road.

I tried cruise control a few times in Nebraska and Kansas. It makes me nervous as hell if there are any hills or curves or other drivers. I have to take over, just for my own sanity. Otherwise, it is great :)
No matter where I am I try to stick to 5 miles per hour over the limit. I used to never drive without a radar detector but once I stopped going 85 in a 70 (now do 75) I no longer need one.

I now use cruise control as much as possible. Even non-highway. I live in a rural area about 7 miles from my office. All neighborhood streets (but many like mine with 40 mph limits, some 50) and can experience only one light and two stops signs along the way so can easily use cruise control for the majority of that trip.

Speaking of the West and how different it is from the East.

I was in Reno for one night (as part of a bus tour of the United States in 1981). I really wanted no part of the Reno that people go there for so I headed out (on foot) to find a rock club whose clientele were "regular" people. I found one. Turned out the people there were people who worked in the casinos but still "regular" people and not tourists.

After the band's first set I noticed there were not that many people there and asked the guitarist if it was always like that. This was either 11 PM or midnight. So long ago I forget which. He told me that it really gets packed around 1 AM. I said, "1 AM! When does this place close? Where I go to clubs chose at 1 AM" He said 4 AM!!! And, sure enough enough 1 AM the place was packed. I also asked him how far the band would travel for a job. Here where I am going an hour is going to the ends of the earth. He said, "6 or 7 hours!"

Just those few questions with him told me life is different in both Reno and the West than it is in the East!

Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: The cars we love/hate & the cars we may buy.

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Vinny,

The insurance really is $1,000. High population density and really bad Florida drivers. These Florida drivers can manufacture a head-on collision on an empty interstate.

Also, I pay "uninsured driver" fee to deal with those who don't think buying insurance necessary. One would think New York City would have that but apparently not. (We do miss NYC). We were paying $800 in NYC in 2016.

My MPG which was 37-40, settled in at 31-32 in FL. I found that if I don't drive 5 miles per hour fasted here, a semi might run over me. Also, since I use 14 inch wheels for a car set for 15 inch wheels, I'm going slower than indicated. Add 30 years of wear and tear on Tranny and engine and the car seems slower still. So... time to step on the gas a little more and watch MPG decline.

I envy my neighbor with the new Tesla S. When I bicycle by he reports 4 new updates sent to his car by the company. I may need to get a smart phone if we buy a Tesla in 4 years.

With our $2 keys and glass headlights, though, anyone think I should keep the Accord for 40 years?
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In case it makes you feel better about your "uninsured driver" fee: for a while I didn't have that coverage, because I figured everybody had insurance. Well it turns out it's poorly named: it should be "uninsured OR UNKNOWN" driver insurance. Somebody sideswiped my parked car and I never had any idea who it was. Turned out the "uninsured driver" coverage would have taken care of it. :-(
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Xan wrote: Sat Jul 04, 2020 4:52 pm In case it makes you feel better about your "uninsured driver" fee: for a while I didn't have that coverage, because I figured everybody had insurance. Well it turns out it's poorly named: it should be "uninsured OR UNKNOWN" driver insurance. Somebody sideswiped my parked car and I never had any idea who it was. Turned out the "uninsured driver" coverage would have taken care of it. :-(
You mean it wasn't covered under your policy at all without the uninsured motorist provision?
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Re: The cars we love/hate & the cars we may buy.

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pp4me wrote: Sat Jul 04, 2020 5:15 pm
Xan wrote: Sat Jul 04, 2020 4:52 pm In case it makes you feel better about your "uninsured driver" fee: for a while I didn't have that coverage, because I figured everybody had insurance. Well it turns out it's poorly named: it should be "uninsured OR UNKNOWN" driver insurance. Somebody sideswiped my parked car and I never had any idea who it was. Turned out the "uninsured driver" coverage would have taken care of it. :-(
You mean it wasn't covered under your policy at all without the uninsured motorist provision?
It was covered, but I had to pay the deductible. If the other driver had taken responsibility, he (or his insurance) would have paid it, so that's the part the uninsured coverage would have taken care of.

I'm not sure how it affected my premiums: was this considered "my fault" whereas otherwise it wouldn't have been? Not sure.
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Re: The cars we love/hate & the cars we may buy.

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Xan,

Thanks for the clarification. Maybe I know not of what I speak. I apologize if I am ignorant.
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Re: The cars we love/hate & the cars we may buy.

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bedraggled wrote: Sat Jul 04, 2020 10:18 pm Xan,

Thanks for the clarification. Maybe I know not of what I speak. I apologize if I am ignorant.
Not saying that at all! I'm just saying you're getting a bit more for your "uninsured" premium than you thought.
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And now I feel better.
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Re: The cars we love/hate & the cars we may buy.

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bedraggled wrote: Sat Jul 04, 2020 4:28 pm Vinny,

The insurance really is $1,000. High population density and really bad Florida drivers. These Florida drivers can manufacture a head-on collision on an empty interstate.

Also, I pay "uninsured driver" fee to deal with those who don't think buying insurance necessary. One would think New York City would have that but apparently not. (We do miss NYC). We were paying $800 in NYC in 2016.

My MPG which was 37-40, settled in at 31-32 in FL. I found that if I don't drive 5 miles per hour fasted here, a semi might run over me. Also, since I use 14 inch wheels for a car set for 15 inch wheels, I'm going slower than indicated. Add 30 years of wear and tear on Tranny and engine and the car seems slower still. So... time to step on the gas a little more and watch MPG decline.

I envy my neighbor with the new Tesla S. When I bicycle by he reports 4 new updates sent to his car by the company. I may need to get a smart phone if we buy a Tesla in 4 years.

With our $2 keys and glass headlights, though, anyone think I should keep the Accord for 40 years?
Car insurance is mandated in Massachusetts since at least the early 1970s. And, there are certain coverages that are required with certain minimums.

I know that I also have "uninsured driver" coverage.

Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: The cars we love/hate & the cars we may buy.

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Vinny,

Correction: my car insurance is $778 annually. I checked the statement today.
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Re: The cars we love/hate & the cars we may buy.

Post by Mark Leavy »

South Dakota, liability only, $170/six months.
It was about $20 cheaper when I had driver only insurance/no car.
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Re: The cars we love/hate & the cars we may buy.

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bedraggled wrote: Sun Jul 05, 2020 9:49 pm Vinny,

Correction: my car insurance is $778 annually. I checked the statement today.
My renewal was actually $354 for a May renewal. Subsequently they've give me $18 and $25 refunds.

For Umbrella policy purposes for my vehicle I need to maintain the following:

$300,000 combined single limit or $250,000 / $500,000 bodily injury and $100,000 property damage.

Of course the $159 Umbrella policy extends those liability limits.

Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: The cars we love/hate & the cars we may buy.

Post by WiseOne »

Geez.....I looked into auto insurance and it would be above $2K/year here. That is giving me pause.

Another wild idea: I could "move" to a less costly area e.g. near family in New England, but keep my job & city apartment. Between remote work and vacation time, I could easily total up the 6+ months per year in the less costly place required to avoid New York's tax investigators - especially if I were careful to do my grocery shopping there by credit card on the way down to the city.

I would give up the annual coop tax rebate but in return would no longer pay NYC income taxes, plus I could enjoy the lower costs of everything from car insurance to groceries.

This is a great strategy that I suspect a lot of people are going to be testing out...the main question is, if you still have an NYC job are they going to let you get away with living out of the metro area? Technically that's no different from commuting from NJ or CT suburbs, but if a lot of people start doing this because of their newfound location freedom I can't imagine NY wouldn't start pushing back somehow. The other issue is that my coop requires that the apt be your primary residence when you buy it - but yet again, who knows what's actually going to happen and whether they would try to enforce this.
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Re: The cars we love/hate & the cars we may buy.

Post by Mark Leavy »

WiseOne wrote: Mon Jul 06, 2020 10:20 am Geez.....I looked into auto insurance and it would be above $2K/year here. That is giving me pause.

Another wild idea: I could "move" to a less costly area e.g. near family in New England, but keep my job & city apartment. Between remote work and vacation time, I could easily total up the 6+ months per year in the less costly place required to avoid New York's tax investigators - especially if I were careful to do my grocery shopping there by credit card on the way down to the city.

I would give up the annual coop tax rebate but in return would no longer pay NYC income taxes, plus I could enjoy the lower costs of everything from car insurance to groceries.

This is a great strategy that I suspect a lot of people are going to be testing out...the main question is, if you still have an NYC job are they going to let you get away with living out of the metro area? Technically that's no different from commuting from NJ or CT suburbs, but if a lot of people start doing this because of their newfound location freedom I can't imagine NY wouldn't start pushing back somehow. The other issue is that my coop requires that the apt be your primary residence when you buy it - but yet again, who knows what's actually going to happen and whether they would try to enforce this.
I "moved" to South Dakota 3 years before I sold my house in Oregon and while still working. I put SD plates on my jeep, got a SD driver's license, had all of my mail sent to SD - no mail at all sent to my Oregon house, registered to vote in SD, got car insurance in SD and opened a local checking account in SD. Basically trying to do as much as I could to make my new residency look legit.

From what I understand, though, NY is pretty aggressive about establishing residency. Especially if you own any property. You would have to be super careful.
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