Tag: Driving

ADVICE TO AUTOMOTIVE WIDOWS & ORPHANS

 

You know your kids are growing up when they write and say, “Dad, I’m beginning to see the wisdom of a mini-van. How can I find a good one?”

My kids aren’t the only people who ask car questions. I’m meeting one of our congregation’s widows today to advise her about her next car. Last week I checked out another member’s car, one of the most terrifying examples of automotive inspection malpractice I’ve ever seen.

My church knows that I was an ASE certified technician before I was ordained. I like helping people with their cars and I really hate it when unscrupulous dealers and technicians take advantage of my friends.

Car buying is one of the most stressful things Americans do. It is also one of the most costly. If you’d like to know how to save money and get an excellent used car, this article is for you.

The first step to saving money and having an excellent ride is, well, saving money.

Pay Cash If You Can, Borrow Smart if You Can’t

The late Larry Burkett had a great maxim for car buyers, “The cheapest car you will ever own is the one you’re driving right now.” I’ve seen the exception, but the exceptions prove the rule.

The costs of operating a car in this country will continue to rise. Borrowing money to finance a new car over many years will cost much more than the average repair bills for the same car if you keep it five to ten years after it is paid off.

Cash is the best way to pay for a car. Driving isn’t free, so why pay the bank and kiss off all that interest? Make car payments to yourself, even after you pay off the one you’re driving now. In five years you will be able to afford a nicer used car. If you can’t pay cash, borrow smart. Home equity loans usually have better interest rates than car loans. Credit Unions are also good bets. Shop the lenders and remember most used car lots that provide their own financing make more money loaning money than they do selling cars. The interest rates are exorbitant. You don’t have to pay them if you’re willing to shop.

Shop Smart

Most private sellers have migrated to CraigsList. My two favorite sites are Autolist, which has a very usable smartphone app, and AutoTrader, which doesn’t.

Tap the net for reliability ratings. Consumer reports.org offers a one-month subscription to its auto ratings web-site. Their reliability ratings are the best and most objective in the business. Look for red bubbles under engine, transmission, brakes, and air conditioning, as these are the most expensive repair items. Stay away from any cars with black bubbles in those areas. The higher the rating, the less the car will cost in the long run. Also, the higher the mechanical reliability, the higher mileage car you can purchase. A ten-year-old car with 110,000 miles on the clock can be 25% less than a six-year-old car with 90,000 miles on it, and the difference in quality and reliability is negligible. Older cars are also cheaper to insure and incur lower taxes.

Look for ‘One-Owners.’ When buying from a dealer check the CARFAX and look for one owner cars with no damage history, clean titles, from low corrosion, low flood probability parts of the country.

The best used cars come from the best owners. A guy who bought it new and had all the maintenance done as per ‘the book’ is rare, but he is the best because he can substantiate its history.

Talk to the owner. The seller’s character is as much a part of the deal as the new tires he may have installed as incentive. Take someone along who is a good judge of character if you aren’t. You aren’t just buying a car; you’re buying a maintenance history. After I’ve picked a make and model I shop for the guy who’s been taking care of it for me for the past six or eight years.

Run Smart

Have it inspected by a competent technician. Have him provide a list of potential problems and costs. If he has any serious reservations, walk away from the deal. Also, use him for regular oil changes and ask him to keep an eye on critical systems. He will save you money and increase reliability by doing required maintenance that can be budgeted and scheduled, rather than waiting for an expensive breakdown.

You can save thousands of dollars per year on the costs of driving. You don’t have to be a mechanic, and you don’t have to drive a ‘junker’ to do it. All it takes is a little homework and a little discipline and you can enjoy a great car as well as a higher standard of living.

BEST CHRISTMAS TRIP EVER

In late December 1983 I was a newly engaged, newly minted seminary student, living in a rented room in Memphis, Tennessee, four hundred miles away from family and fiancé. The semester was over, but I had to stay a couple of days to teach a Wednesday night Bible study down in Batesville, Mississippi, about an hour south. I was living on $400 a month and saving up for a honeymoon, which being translated means I was hungry most of the time, and lonesome all the time in that pre-cellphone, pre-internet era. I planned to drive home to Atlanta the next day.

Rain was falling and the temperature with it as I finished the study, fired up my decrepit 1971 Fiat 128 and headed up I-55 North, fiddling with the radio as I drove. “A major winter storm will be on us by mid-night,” said the weather man, “with up to 12 inches of snow and ice accumulation.”

No way am I hanging around for that! I thought, and pushed the car to its top speed, 65 mph (62 uphill), and roared into town around 9:00 PM. I grabbed my stuff, waved goodbye to my landlady, and headed southeast on 78, the old, two-lane Arkadelphia highway, toward Birmingham, I-20 East, and home.

I cannot remember a colder, wetter, nastier night of driving. And did I mention I was hungry? But I couldn’t stop to eat, not only because I was broke, but the storm, according to the radio, was moving faster than the Fiat. By the time I reached the Alabama line Memphis was icing up and my windshield was trying to, the defroster barely staying ahead of the rapidly freezing rain. Visibility was less than fifty yards as the rain iced up the windshield wipers too, which fluttered every time a big rig passed in the opposite direction, scattering ice as the little car buffeted in the wake. If I can just make it to Birmingham, I kept saying to myself, I can make it all the way.

Every Christmas we relive the journey another man took to his hometown, pursued, not by ice storms, but by tyranny and doubts, accompanied not by a radio in a poorly heated car, but by an oddly-pregnant wife on an unheated donkey. And while Bethlehem was his hometown, no one would be waiting on him with hot food and warm beds. Quite the contrary, the best he could get was an animal shed for his wife and newborn son. Not much, but enough in his obedience, for God to turn the world upside down.

Makes us think, does it not, about how we treat others forced to flee from tyranny and about what our obedience might do.

The drive from Memphis to Atlanta usually took eight hours in that little car. That night it was closer to ten, but none of it mattered when the front door of Mom’s house opened before I reached it, and instead of Mom, my beautiful wife-to-be kissed me and hugged me tight, as the smell of frying bacon wafted out the door behind her.

“Surprise!” she said. “We knew you wouldn’t stay in Memphis, so I came down and spent the night with Mom!”

“Merry Christmas,” I said. It was the best Christmas trip ever.