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In the absence of a flair system on lemmy yet, letβs try to make it easier to scan through posts by type in here by using tags:
Assuming you begin investing at the age of 20 and invest $554 per month for 45 years at a 6% growth rate, you would yield 1.4 million. Definitely not MILLIONS.
And then you add the inflation and you actually just owe money. Got to get that third job at 65
I care about what kind of car i drive and all of mine are broken because they're old garbage.
In this land of legalised extortion in the form of insurance my friend who is in his mid 30s and been driving over a decade with no claims has to pay Β£700 per month.
My mum wanted to add my sister (again mid thirties and driving for nearly 20 years now with no claims) to her policy so she could borrow her car for a week and then maybe use the car once a month if that and they wanted an additional Β£1000 a month for the privaledge.
Fucking scum.
Car insurance is expensive because cars are both risky and highly destructive. Hence, making a market for them involves high prices.
Regardless of what you think of insurance companies, there's just no way around this - you could nationalize car insurance and it would still either be really expensive, either on the policy level or else born by taxes.
Stop throating the boot of exploitive companies.
They're not, they're complaining about the problems inherent to cars.
Per month?! Wtf are you driving? (Late 40s here, paying around Β£400 per year for my electric mini insurance)
My bad, i wrote per month but i meant per year, that was my mistake. He is driving a 1.4 turbo new shape VW Scirocco (sp). My mothers car is a 1.3 Citroen C3 so hardly expensive, luxury or even quick cars. Even Β£400 is disgustingly over priced in my opinion though, the way this country does insurance is vile.
Australia's system of buying registration which then covers your basic insurance (third party cover) which is like a tax and insurance cost combined for the car is much more logical, then if you want to you can buy additional fully comp cover for the car none of this insuring per driver per car bullshit.
Now if there were a /c/fuckinsurance - I'd be all over that. I love my cars, I HATE insurance companies.
I love that I only have liability at $100k but my cost still goes up every year. My coverage is actually worth less to inflation and those crooks want more money? For what?
Oh come on, Lemmy. I know I'm on c/fuckcars; but seriously - $600 a month for a new car sounds really good to me, I'm from Eastern Europe.
It's good because new cars are significantly more reliable, fuel efficient, safe and comfortable than 10+ year old cars. If you drive a lot and can't afford to pay $15k up front for a decent ~6yo car, then it's really not that bad. Much better than buying $600 rolling wreckage, I can tell you that much.
Yes people, I know you only use bikes and trains and whatnot. But some people neee cars, and you have to respect that. Or are you gonna tell this mother of 2, living in a village, working from office 20km from home, that she would be better off just sticking to the public transport which visits her place once every 2 hours.
This is for insurance, not the cost of buying the car. Yes some people do need cars because of their situation and the majority of people here can recognise that but to pay so much just for fucking insurance!
If this is just insurance then it is straight up wrong. The national average is like $200/m.
Uhhh... I pay less than that per YEAR for insurance on two motorcycles. Fuck cars, indeed.
some people care DEEPLY about what kind of car everyone drives. that's literally why overpriced cars even exist
Works both ways too, Sam Bankman Fried apparently fooled a lot of people by cosplaying as a Toyota Corolla driver
i prefer a well maintained shitbox π
As a bike rider, doesn't that skew even more the relative advantage you get by not giving a fuck? If nobody wants a "weak" car, they should be even cheaper than in a sane market that values cars by their ability to go fast and accurately from A to B, no?
No, because they pay out the nose for huge SUVs these days which increases the chance they'll kill us cyclists.
No I meant coming from ignorance, since I am a biker, but on the matter of buying "ugly" cars.
A decent 7 year old car with 100k miles on it currently goes for about $15k. Everything private sale is a lemon, completely used up with over 200k miles, or 20+ years old. All still asking thousands more than they're worth.
This was the best thing about living in New York. No need for a car. No expenses paid in car payments, gas, or insurance. People claim that New York City is expensive, and rents are certainly higher than most places, but you end up saving so much money just on the cost of owning a car alone. Overall, the cost of living for me was much cheaper in New York City than it is now in Orlando.
I wish I had the resources to go back.
I live in a major city with decent (not excellent, just decent) transportation.
Yokels from small towns talk about how "expensive" it is until I ask them how much they pay for rent and food. And it always surprises them theyre paying the same damn amount thanks to inflation.
Eh... Used to live in the city in a 500 sq ft condo built in '75 and similar units would be rented for the same price I'm paying to rent a 900sq ft apartment built in 2014 in a small town with all services one could need... Bonus, I don't need my car to do the groceries because it's 2 minutes door to door from where I live now compared to 5 minutes in my car when I was at the condo.
Wtf does your neighbor drive that insurance is $350 per month on it? A Ferrari?
No kidding, I pay less than $100 month to insure 2 cars with State Farm. I've never had an issue with them paying a claim, and my agent meets with me every few years to go over my options and every single time I walk away with better coverage and less payment.
A bad wreck history. Or Florida.
Male under 25 with anything over 150hp will make you pay a fuck ton.
I thought the same. Also it's much higher for young males under age 25. Tbf testosterone is a bitch and that demographic causes a lot of the most extreme preventable accidents.
Which ironically encourages people to ride bikes! If only that were not nearly a suicidal activity in the USA in so many places... π’
I prefer to ride my bike. I have a little trailer so I can take my dogs with me. That said, I also have a car. It's paid off and my insurance is about $60 a month.
Probably because of your usage.
My motorcycle insurance was $200 a year. They asked if it was my primary or just on weekends, and I do wonder if I said primary, id be paying 2-5x as much.
I am sure it's due to not having any accidents at all.
Iβm in the same place. I have a nice car, paid off. I cover my partnerβs car AND my car, top tier insurance with everything possible ticked and low deductible. Around 120USD monthly for both cars. We have both never had any at-fault accidents or tickets.
Iβve been hit three or four times from behind. Super not at fault. One time I was blasted drunk. In my house. Playing games. The wheel fell off. I now refuse to park on the street.
You didn't drive drunk and still had an accident. Impressive.
Iβve never driven drunkβ¦ I thought I was safeβ¦ The responding officers found it amusing, too.
I paid about 12k for the car⦠and had paid it off MONTHS BEFORE. Low mileage, older model. Had it for many many years. My insurance company gave me 8.5k and no increase to my premiums. I was very thankful. I loved that car but the A/C went out for the third time, and I was about to pay another 400-500 to get it fixed AGAIN.
Insurance varies a lot with what you drive, where, amount of coverage, and history of driving.
Mine is around $800/year and I drive nothing to brag about. (Well, except cost of ownership and safety record. Knock on wood). But my partner pays more because they have more coverage and a newer car worth covering.
But if you think $350/month is high, let me introduce you to private health insurance. π
I'm actually looking to move from owning to leasing a car because it's been false economy. The maintenance costs and stress have been so high as to make it cheaper to pay a few hundred quid each month.
Sorry, the best "for you and your future"?? OUR future