Tag Archives: price of happiness


10 Apr


So I was talking to a friend of mine this morning who lives in the US and she told me that the car dealers are advertising a 97 months financing. 97 months , I mean can you imagine paying for the car for 8 years. So basically by the time you finish paying for the car its time to get another one and the cycle goes around again.

In my view here is what is going on. The financial companies are getting short on innovative ways to screw people over and the car dealers need to keep pushing plastic cars out the doors. SO hey why not finance someone for the next 8 years. We just say that its 97 months, and show them that on a 30,000 car the monthly payments is ONLY 309.00 not including taxes and interest (which they put n small print). Or I like the innovative way of saying “BI WEEKLY”. You get your pay cheque every two weeks and we only take a little off of it so you don’t feel it. No worries we do the work for you.

So here is the reasoning that they are giving the working people. The prices of cars have increased but the salaries have not increased. In 1990 the average price of a car was $16,950 in 2008 the average price of the car was $27,958.00 That’s an increase of $11,008 Over 18 years or $611 per year.

The best line I heard is ZERO PERCENT FINANCING. what a load of crap. Ill show you how they calculate that part at a later date.

We (the financial companies) raised the prices, we raised the cost of borrowing, we kept your wages the same, AND we are doing you a favor by financing a car you shouldn’t buy over 97 months. Is everyone NUTS? I must be the nuts person for adding it up and calculating it.

As well has anyone thought about the maintenance cost of the car after the “warranty” expires? It’s a CAR that after 5 years will start falling apart so what value will it be over the 8 years period.

You know as soon as you walk in that they start with $300 per month but by the time you are done its $400 per month and the sales person say “its only $100 per month”. When someone tells me that I say good why don’t you pay for the extra 100.

If you can pay 400 per month pay only 300 and put the 100 towards bad time funds.
When you get a flat tire. Better yet take your kids or your spouse out to movies and spend the 100 on your enjoyment with your family. You know the excitement of the new car will disappear in a few months or until the new model comes out. The only thing that will not go away is the debt you just signed on for that car.

If you can’t afford it don’t buy it. Sit down and do the math buy a cheaper used car so you can actually pay for it. It will make you feel better about buying something less than the advertised “affordability” price. The car will only make you happy for a short time. It’s Just a car.

What is the price of happiness?

16 Sep

So one night while I was trying to sleep I realized it just
wasn’t going to happen. I was thinking. I was thinking that I really
wanted to go to sleep, but mostly I was thinking that I am very happy
with life. I was also thinking about how much I really like stuff. You
see, I was watching Planet Luxury and CNBC Titans. If you haven’t seen
them, they are shows about successful people and their awesome toys.
It’s a bit like Lifestyles of the Rich and Famous, but without that
annoying Aussie Robin Leach….and of course the equally annoying
people featured on it.

Mostly what occurred to me was how many people accomplished this with
out divorcing and how many people end up making it with out loosing
touch with their kids? How many as they say became so successful
because their wife nags the hell out of them that they need to stay in
the office to do more work? My guess: NOT MANY.

You see I like what i have. I have a beautiful supporting wife, I have
wonderful kids, lots of sisters (god yes lots of them). Even
supporting extended family some of whom I want to kill sometimes but
they come as a package. I think in Canada I can’t just shoot my
brother in law even though at times I wish I could, but that is the
same with every family. Besides, at the root of it all I love them as
a whole and take the overwhelming good with the occasional bad.

So there I am thinking that yes I like what I have. I faced the fact
that I really like the toys and screw it, I like the STUFF.

Sure there are the bills but I am happy. Nothing is perfect. I did
wanted the toys and now I like to have the toys, I wanted a big house,
now I like to have a big house. Its interesting how things change and
how people change and priorities change. I would not want to miss my
sons gigantic imagination and his talking of wanting to build a car
with fire coming out of it and floating over all obstacles. These
things are beautiful and should never be extinguished. Besides, maybe
one day he’ll actually invent a Back to the Future Marty McFly hover
board that really does all of that.

I would not want to miss my daughters soberness and wanting to play
with her kazzilon barbies, baby dolls and play house. Or even my wife telling me
that she went shopping (saved money)and supported Wal Mart and Dollarama because
their earnings are down on the TSX and they needed capital injection
to sell people STUFF they don’t really need. Miles and miles of mall
after mall.

Mostly though I thought that I don’t want to miss any of this. It
does not mean I will stop working hard or trying to improve what we
have as a family, and for sure I will always work hard to achieve and
strive to be my best.

I have wild imagination for business and turning business around to
make money but not at the cost of what i have. Yes I can do away with
fewer bills, but Yet again who can’t.