Anyone here ever get SMACKED with a crippling financial burdon before? Well, I have.

R1ckyB0bbyyy · 03-04-2008, 06:06 PM

I am 22 years old and an E-4 in the reserves. I go to school at UMaine and I just got hired at a pretty good job 3 days a week. I work at Vision care of Maine and they are training me to work in the OR. I am a Dental Specialist in the Army so I think they have a pretty decent foundation to build off of considering I am very good with sterilization and what not... ANYways

Spring break just started and on the way home my 1998 Honda Accord LX w/128,000 miles on it. The short of it, the car ran too low on oil... oil light came on (it has before and I just drove to put a couple quarts in and all the lights went off and it ran fine. I was going to do my valve cover gasket when I got home which would end my leaking... Every light went on and the power died. Pulled over and got towed home... Added a few quarts when I got home, it started, idled fine... took it out and I got purring if I drove it with too much throttle so I knew it was bad.

The next day I drove 5 miles down the road to try it again anddd it slowly lost power and died again.

I need a new motor, and I have no means in the bank... no student loan options, no parents to help etc etc. I found a motor out of a 1999 (f23a1) for $400 bucks and a guy to do it for $500 (flat fee)... I feel really shitty. I don't need it to get to classes and what not... and I MIGHT have a way to get to my job but damn, this hurt bad...

Hawkeye · 03-04-2008, 06:09 PM

yeah, that sucks. With a good job you can always get a loan on another car. I got a loan for the car I have independently only about 4 months after I started my first job out of college.

There is always hope. If worse comes to worse you could get a moped... they are cheap with good gas mileage.

nmulax · 03-04-2008, 06:11 PM

Quote:

Originally Posted by Hawkeye

There is always hope. If worse comes to worse you could get a moped... they are cheap with good gas mileage.

Ruckus FTW

R1ckyB0bbyyy · 03-04-2008, 06:23 PM

Quote:

Originally Posted by Hawkeye

yeah, that sucks. With a good job you can always get a loan on another car. I got a loan for the car I have independently only about 4 months after I started my first job out of college.

There is always hope. If worse comes to worse you could get a moped... they are cheap with good gas mileage.

Theres the other thing... I have ZERO financial options.

I signed power of attorney over to my mother when I left for basic training, AIT and my second MOS school and instead of paying my bills on time she BS'd me and said she had... instead she took my money and paid me back. So for a good while my credit is blown...

DasBlitz · 03-04-2008, 07:10 PM

Then your mom should be giving you money.

Sorry I love my mom but she fucks up my credit then she owes me some money. Nowadays credit is your life.

R1ckyB0bbyyy · 03-04-2008, 07:24 PM

Quote:

Originally Posted by DasBlitz

Then your mom should be giving you money.

Sorry I love my mom but she fucks up my credit then she owes me some money. Nowadays credit is your life.

She has none... zero, zip... she lives off social security.

specialque · 03-04-2008, 07:46 PM

Maybe a friend will loan it to you on the side?

R1ckyB0bbyyy · 03-04-2008, 08:07 PM

Quote:

Originally Posted by specialque

Maybe a friend will loan it to you on the side?

Nope, when I say no options I mean ZERO... my friends are cheap or not willing.

R1ckyB0bbyyy · 03-04-2008, 08:20 PM

Quote:

Originally Posted by Laszlo

Try going through a divorce at 30 and losing everything and starting all over from scratch! Sorry for your troubles, but they only get more complicated when you get older. Then they get better. Best of luck to you.

I understand my dilemma is minor... but it's hitting me hard at the moment.

asdflkijd · 03-04-2008, 08:33 PM

damn... hope everything works out for you, keep your head up man.

OC Guy · 03-05-2008, 11:08 AM

@OP's title, yeah when I met Longtran.

e92phreak · 03-05-2008, 11:14 AM

Quote:

Originally Posted by OC 335i

@OP's title, yeah when I met Longtran.

Das M · 03-05-2008, 01:21 PM

Quote:

Originally Posted by OC 335i

@OP's title, yeah when I met Longtran.

!Xoible · 03-05-2008, 01:29 PM

i gave my bank acc't to longtran on his bday

sdiver68 · 03-05-2008, 01:57 PM

You could try prosper.com...and yeah I lost about $50K last year due to having 2 houses at once right when my major client terminated my contract prematurely...

Life's lesson to be leaned, plan for rainy days! You'll pull through this and be better for it in the long run.

Icedog_16 · 03-05-2008, 02:03 PM

Quote:

Originally Posted by Laszlo

Try going through a divorce at 30 and losing everything and starting all over from scratch! Sorry for your troubles, but they only get more complicated when you get older. Then they get better. Best of luck to you.

+1 on that and I raise a broken rocker arm in a Lotus Elise that the manufacturer refuses to cover under warranty. That said, sorry to hear about your problem. Although, you did ask about sudden, crippling financial burdens. Key is do your best to minimize your losses. That's how I got through these issues.

Josh49 · 03-05-2008, 02:12 PM

Quote:

Originally Posted by OC 335i

@OP's title, yeah when I met Longtran.

R1ckyB0bbyyy · 03-05-2008, 03:23 PM

Quote:

Originally Posted by Icedog_16

+1 on that and I raise a broken rocker arm in a Lotus Elise that the manufacturer refuses to cover under warranty. That said, sorry to hear about your problem. Although, you did ask about sudden, crippling financial burdens. Key is do your best to minimize your losses. That's how I got through these issues.

So how much did they say you would have to pay out of pocket?

R1ckyB0bbyyy · 03-05-2008, 03:23 PM

Quote:

Originally Posted by Josh49

By the way I love your sig... call me crazy but it's just so relaxing. Got a high res of it?

Josh49 · 03-05-2008, 03:33 PM

Quote:

Originally Posted by R1ckyB0bbyyy

By the way I love your sig... call me crazy but it's just so relaxing. Got a high res of it?

Thanks a lot!!

Unfortunately that picture folder was deleted when I deleted all pictures of my ex-girlfriend from my computer.. Sorry about that.. I really wish I had the picture to send you still..

R1ckyB0bbyyy · 03-05-2008, 04:57 PM

Quote:

Originally Posted by Josh49

Thanks a lot!!

Unfortunately that picture folder was deleted when I deleted all pictures of my ex-girlfriend from my computer.. Sorry about that.. I really wish I had the picture to send you still..

DOOOD!!!! YOU LET HER GET THE BEST OF YOU! SHE EVEN HAD THE POWER TO MAKE YOU DELETE AWESOME PICTURES FROM THE COMPUTADORA!

Icedog_16 · 03-05-2008, 06:49 PM

Quote:

Originally Posted by R1ckyB0bbyyy

So how much did they say you would have to pay out of pocket?

My ex-wife's attorney or Lotus?

Between $4600 and $6500 (Lotus said that, not my ex-wife). In the end, trading the car and getting a 335i was about a wash. But I can sell my Elise mods, banked a few payments, and got a car with warranty and all maintenance. That was my point about mitigating loss.

My Elise had two months left on warranty (had it since 3/05), so I really didn't feel it was worth going legal or taking it in the a$$ (though I guess I kinda did). The kicker was I had just spent a few grand on service and mods and I never really got to enjoy them. For instance, the 15K service (glorified oil change) cost me $611, I had just put on a new set of tires at 12K ($1000) and the car was gone at 18K. I had just replaced the brake pads myself with Pagid RS42s ($370 for pads only - dealer wanted $600 for OEM fronts only), installed HIDs myself ($350 - shoulda done that sooner, forgot what I was missing), gotten an ECU reflash ($1200), and decatted the car myself ($280, I installed). For all that effort and expense, I got about 2 months' worth of fun.

I'm not cryin' about it, I've made peace with it, but it did suck pretty badly. Loved that car, will probably get another one for grins sometime down the road. To put it in perspective, the 335i's too quiet from what I am used to (I measured 107.1 dBA in the Elise) and, by comparison, the steering is numb and underweighted. Plus, I'm not used to not having to look up at Honda Civics (or anything else for that matter)

.

03-04-2008, 06:06 PM	#1
R1ckyB0bbyyy Shake n' Bake! 34 Rep 54 Posts Drives: Broken Join Date: Mar 2008 Location: Maine iTrader: (0)	Anyone here ever get SMACKED with a crippling financial burdon before? Well, I have. I am 22 years old and an E-4 in the reserves. I go to school at UMaine and I just got hired at a pretty good job 3 days a week. I work at Vision care of Maine and they are training me to work in the OR. I am a Dental Specialist in the Army so I think they have a pretty decent foundation to build off of considering I am very good with sterilization and what not... ANYways Spring break just started and on the way home my 1998 Honda Accord LX w/128,000 miles on it. The short of it, the car ran too low on oil... oil light came on (it has before and I just drove to put a couple quarts in and all the lights went off and it ran fine. I was going to do my valve cover gasket when I got home which would end my leaking... Every light went on and the power died. Pulled over and got towed home... Added a few quarts when I got home, it started, idled fine... took it out and I got purring if I drove it with too much throttle so I knew it was bad. The next day I drove 5 miles down the road to try it again anddd it slowly lost power and died again. I need a new motor, and I have no means in the bank... no student loan options, no parents to help etc etc. I found a motor out of a 1999 (f23a1) for $400 bucks and a guy to do it for $500 (flat fee)... I feel really shitty. I don't need it to get to classes and what not... and I MIGHT have a way to get to my job but damn, this hurt bad...
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03-04-2008, 06:09 PM	#2
Hawkeye Brigadier General 2062 Rep 4,365 Posts Drives: '07 Z4 Coupe, '21 X3, '16 GMC Join Date: Aug 2007 Location: Iowa iTrader: (0) Garage List 2016 GMC Sierra SLT [10.00] 2008 Yamaha R6 [9.00]	yeah, that sucks. With a good job you can always get a loan on another car. I got a loan for the car I have independently only about 4 months after I started my first job out of college. There is always hope. If worse comes to worse you could get a moped... they are cheap with good gas mileage. __________________ 2007 Z4 3.0si Coupe • 6 MT • Black Saphire Metallic • PP • SP 2016 GMC Sierra SLT Z71 Premium Plus 4x4 2017 Harley StreetGlide • Denim Black • V&H Tune 2021 BMW x30i • Phytonic Blue Metallic • Fully loaded
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03-04-2008, 07:10 PM	#5
DasBlitz Major 69 Rep 1,141 Posts Drives: bmw 328i 07 Join Date: Jan 2007 Location: new england iTrader: (1) Garage List 2007 328i [0.00]	Then your mom should be giving you money. Sorry I love my mom but she fucks up my credit then she owes me some money. Nowadays credit is your life. __________________
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03-04-2008, 07:46 PM	#7
specialque Private First Class 37 Rep 191 Posts Drives: 2024 M3cs, 2018 McLaren 720S Join Date: Dec 2006 Location: Connecticut iTrader: (0)	Maybe a friend will loan it to you on the side? __________________ 2018 McLaren 720S MSO Onyx Black/Scoria Gray 2024 BMW M3cs Sapphie Black/Black 2018 Porsche Macan Sport Volcano Grey/Black 2014 BMW X3 M-Sport Carbon Black/Mojave Brown - Beater
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03-04-2008, 08:33 PM	#10
asdflkijd Aberry is a scammer 603 Rep 5,507 Posts Drives: SGM E92 335i, AM E90 335i Join Date: Jun 2007 Location: Seattle, WA iTrader: (14) Garage List 2008 E92 335i [10.00] 2007 E90 335i (Reti ... [9.00]	damn... hope everything works out for you, keep your head up man.
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03-05-2008, 11:08 AM	#11
OC Guy General 564 Rep 18,123 Posts Drives: AW 335D E90 Join Date: Oct 2006 Location: Irvine/Aliso Viejo, CA iTrader: (9) Garage List 2007 335i [0.00]	@OP's title, yeah when I met Longtran. __________________ Current: 2010 Alpine White 335D LCI l 19" BBS LMs l KW V2 Coilovers l BMW Performance Grilles l MSport Front/Rear l Karbonwerke Trunk l F1 Pinnacle Tint 35% Former: E92 Space Grey 335i Latest pics
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03-05-2008, 01:29 PM	#14
!Xoible Banned 906 Rep 46,010 Posts Drives: .... Join Date: Nov 2006 Location: . iTrader: (4) Garage List 2008 M3 [4.00] 2007 335i [9.00] 2008 528i [8.00] 2006 Infiniti - G35 ... [8.00]	i gave my bank acc't to longtran on his bday
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03-05-2008, 01:57 PM	#15
sdiver68 Expert Road Racer 62 Rep 1,329 Posts Drives: 07 335i e90, 09 335i e93 Join Date: Jul 2006 Location: St. Louis, MO iTrader: (3)	You could try prosper.com...and yeah I lost about $50K last year due to having 2 houses at once right when my major client terminated my contract prematurely... Life's lesson to be leaned, plan for rainy days! You'll pull through this and be better for it in the long run.
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