Important

kastein said:
so wait, let me get this straight.

You have an iPhone that you don't want to use for GPS so the fact that it sucks at GPS doesn't matter, but then you want it to play your music and use it for that? Do you want it as a phone only (like you said) or to do other things as well (like you also said)?

Me, I'm a fan of integration, as long as it's done pretty well. I like being able to pull my phone out of my pocket in the middle of nowhere, lost, google the address I forgot to write down before leaving (or pull it up on my email account), enter it into my GPS app, have it tell me how to get there, or search for the closest auto parts store, then bring up their phone number and simply click it to call them and find out if they have a part I need.

Pretty cool to get an alert email from my server saying something crashed and be able to SSH in from my phone, in the middle of the woods, and fix it, too.

All that goes out the window on the occasion that it crashes or starts acting up and pisses me off, but when it's working (which is most of the time) I love it.
Click to expand...

My iphone does turn by turn directions, I just prefer to use my garmin. I use a gps to get somewhere about 6 times a year. Usually to go wheeling with a bunch of knuckleheads in a quarry or with a bunch of pyro's shooting potato's on the side of a mountain.

I play music everyday, so if it replaces my ipod and I only need one device instead of two, I think that's a win. It went on the boat with me, played music 14 hours a day at work, an hour when I went running on the flight deck and was my alarm clock (still is) for 10 months. The same, like you said, for checking my email, browsing the web, looking up a phone number, etc. Those things I do daily, so I like that my phone does it well.

I have on occasion, used it on the motorcycle to get me around, but phones are pretty hard to see as it is, so it's not really a turn by turn device, especially when you can't hear anything anyways. I get all the arguements, I understand that people like what people like. I was probably stirring the pot a little because I've been staring at people rosters for 2 days and I need some entertainment.

Plus, Josh is fun to mess with. He's from southern canada, so it's easy :cheers:

And now, back to our regularly scheduled randomness:

4.jpg
 
I like my iPhone b/c I have an app that I can get a wiggling mustache.

I bet the 2 gals on the left of that pic dont have as much nose combined as the one second from the right...that poor girl, I will let her come to my place to slob the blues on my bone-a-phone.

Cheese "chicks, jeeps, mustaches...a great start to the day" Man
 
XJ&CHZ4ME said:
I will let her come to my place to slob the blues on my bone-a-phone.
Click to expand...


Is anyone else laughing hysterically at this? :roflmao:
 
Sorry to switch topics on you guys but, I have a question about auto loans.

Right now I am 10 months into my 72 month loan for my truck (I have paid for 12 months though) $22,700 left of principal. I have a decent interest rate @ 3.25% with IU Credit Union. But right now, Chase is offering a deal on refinancing auto loans, their best deal is 60 months @ 2.49% or 48 months @ 2.39%. Is it worth refinancing?

I guess I should just make an amortization table and do a cost-benefit analysis to get a true answer. But I figured I'd ask you guys.
 
You should be able to whip up an amortization table in a couple of minutes in any spreadsheet app (even on an iPhone......<thumbs nose>.)

You've got 2 changes, a shorter term and a lower interest rate. I'll bet the shorter term makes more of a difference than the lower interest rate. *BUT*..... you'll be dealing with Chase, a bank, and not your credit union. Then again, Chase probably has offices close by and IU CU probably doesn't.
 
I think it depends on whether or not you want to take your business away from your credit union. Chase can be a big organization that may not necessarily be concerned about your interests.

I tried to refinance the house through them so they wouldn't lose my business and got told no. So we're going through another company and they're losing my mortgage.

If you like your credit union and they do good by you, sometimes saving 10 bucks a month isn't worth it.
 
87manche said:
everyone knows that a tablet is going to looks like a tablet. Star Trek gave use the damned thing, not apple.
Click to expand...

For an even earlier prior art example, look at the newspads in _2001: A Space Odyssey_.

My biggest complaint & fear is the huge integration with server resources located elsewhere. This isn't just phones, this is all sorts of services. Android Car Nav depends on Google Map resources. Shoot, all of Android depends on a major Google instrastructure project. Window8 looks like it's going to behave more like a client side display appliance, most of the heavy lifting will happen elsewhere. I don't view all of this as an advancement in technology.
 
RedHeep said:
I tried to refinance the house through them so they wouldn't lose my business and got told no. So we're going through another company and they're losing my mortgage.
Click to expand...

<chuckle> Something similar happened to a friend of mine. They built a house in 1993, and a few years later, it was a good idea to refinance. Chris went to the local bank where they'd originally financed and was told, flat-out, "NO, you can't refi."

Chris went down the road to another local bank he'd dealt with, and in short order, got completely refinanced. He goes back to the first bank......

"Here's your payoff." "BUT...BUT...BUT... how can we keep your business?!!!" He names terms that are a quarter point lower, no closing costs. And sits there for a couple of hours while they scramble... and actually come up with the deal.

"Screw you. You treated me like crap when I came in with an honest proposal, you didn't think I'd call your bluff. I know good and well what's going to happen if I sign this. Here's your <BEEEEEP> check."

Chris said it was worth it just to watch those boneheads scramble for a couple of hours. Long term, I think it's cost them some business, Chris has made it a point to keep letting people know.
 
I am a firm believer in sometimes the opportunity cost is worth the extra money you pay for it. I am paying a full percent higher on my ag operating loan bc I choose to keep it with my small locally owned and operated bank. I know I can get it cheaper from a chain bank, but I like the fact I can call on my way home from an auction and tell them I need a $100,000 for a combine I just bought and their response is "cool, what color did ya get?" and that is followed by "well, come in this week and we will draw up papers". I am glad to pay extra for that treatment. If I play the markets and contest out my grain a month past when my note is due, no sweat, they just like communication and they are good to go. I know Sean and I have talked about this before, but it is almost scary how easy it is to get money once you have a good relationship established with a small locally owned bank.
 
:canada:
XJ&CHZ4ME said:
I am a firm believer in sometimes the opportunity cost is worth the extra money you pay for it. I am paying a full percent higher on my ag operating loan bc I choose to keep it with my small locally owned and operated bank. I know I can get it cheaper from a chain bank, but I like the fact I can call on my way home from an auction and tell them I need a $100,000 for a combine I just bought and their response is "cool, what color did ya get?" and that is followed by "well, come in this week and we will draw up papers". I am glad to pay extra for that treatment. If I play the markets and contest out my grain a month past when my note is due, no sweat, they just like communication and they are good to go. I know Sean and I have talked about this before, but it is almost scary how easy it is to get money once you have a good relationship established with a small locally owned bank.
Click to expand...

Truth. Im not doing it with 100k but love my small bank. Probably next summer I'll refi my house to their (that's the only thing of mine they don't have)
 
:patriot: I had our old house with Chase and got along fine, but as my business has grown over the years I started doing more with the local bank. When we sold it and bought our current house and farm that we live on, I went local. Now I have 100% of my loans through them and even a small percentage of our investments. They like to hold assets for collateral and it has worked out well for us over the years. I have always told them if I go belly up, then they will own everything I have b/c I have used it as collateral at one point or another :D
 
You must log in or register to reply here.

Similar threads

1
New here, but not to Jeeps
Replies
1
Views
162
macgyvr
macgyvr
C
Delete my info
Replies
3
Views
407
Numbers
Numbers
A
Power window issues, all 4 were working but no longer
Replies
5
Views
421
maxbraketorque
M
‘
‘91 XJ Crank no start
Replies
4
Views
164
‘91XJ
‘
M
Disconnected cable identification
Replies
6
Views
53
Miamitj
M
Back
Top