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  1. #3001
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    Quote Originally Posted by JeepWheelin02 View Post
    That was a very informative video.
    You will probably enjoy this one too


  2. #3002
    Clod Hopper's Avatar
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    Quote Originally Posted by Aaron View Post
    After talking with someone much smarter than myself, not hard I know, I came to realize that the dealership gets paid per transaction and doesn't care about the loan end. Even "in house" financing isn't really done "in house". Usually the deal is stuck "in house" using 3rd party money. Meaning the dealership is paid once the handoff is complete. Also that most financiers wouldn't extend a 20 year loan on kind of a product. So the dealership cons people into "affording" something by paying for it over 20 years instead of the accepted 10 year loans. Then once the paperwork is signed, they change it to state, 10 year, plus a balloon payment. Dealer made their money with the sale, and passing the problem down the road.

    At least I hope I am explaining that correctly.
    That makes more sense. Thanks!!
    Proudly un-offended.

  3. #3003

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    Quote Originally Posted by Aaron View Post
    You will probably enjoy this one too

    Yes I did. Thanks for sharing.
    Contact me for all your firearms needs. Guns, ammo, accessories, NFA......

  4. #3004
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    Quote Originally Posted by JeepWheelin02 View Post
    Yes I did. Thanks for sharing.
    He is quickly becoming a favorite of mine.


  5. #3005

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    I agree. Great video's, very informative. And once again, shows that removing firearms does not remove violence.

  6. #3006
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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  7. #3007
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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  8. #3008
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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  9. #3009
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    Quote Originally Posted by Clod Hopper View Post
    That is a 10 year game on the return. How much will that stupid RV be worth then? Not based on stupid inflation valuations today, but back when it was sold? Crazy.
    Quote Originally Posted by Aaron View Post
    After talking with someone much smarter than myself, not hard I know, I came to realize that the dealership gets paid per transaction and doesn't care about the loan end. Even "in house" financing isn't really done "in house". Usually the deal is stuck "in house" using 3rd party money. Meaning the dealership is paid once the handoff is complete. Also that most financiers wouldn't extend a 20 year loan on kind of a product. So the dealership cons people into "affording" something by paying for it over 20 years instead of the accepted 10 year loans. Then once the paperwork is signed, they change it to state, 10 year, plus a balloon payment. Dealer made their money with the sale, and passing the problem down the road.

    At least I hope I am explaining that correctly.

  10. #3010
    Clod Hopper's Avatar
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    He does a good job of warning people to review sales documents closely and keep the copy of documents from the day of sale. Blows my mind that people wouldnt do this as normal practice.

    He avoided the subject of who benefits from the "error" and presenting an idea of how they benefit. I guess that is the one part I was most interested the hear about. But I think you hit it well earlier that the bank wouldnt take a 20 year loan, so the RV dealer was fishing people in on a low payment and doctoring documents to the bank. I still shake my head in amazement that they thought it would work and no one would find out.

    I really see blame/responsibility in three directions on this, the dealer, the bank and the purchaser. Most definitely the RV dealer bears the brunt of the situation. Shady M-effers for sure. But the bank has a good share of responsibility in this. He mentioned that the loan info is transmitted electronically to the bank, but what exactly does that mean? A pdf of the sale doc with the smudge or some online login system where the RV dealer just types in the terms? I would guess it is a PDF (or similar) otherwise why even bother "smudging" the form? So the bank gets the doctored form, none of the numbers work out right and they fund the loan anyway. I might see that on one or two, but there is a string of loans all doctored the same exact way and the bank didnt catch that? I expect the bank was complicit and will be pulled into the lawsuits, deservedly so. And blame lies with the buyer who didnt do their part to verify the loan terms. I am not aware of a third party loan that doesnt send the final loan docs to the owner, at which time you compare to the docs from day of sale and have an opportunity at that time to dispute errors or misunderstandings. Maybe I am out of touch on this. Not doing the cross check and claiming "rube" status later is no excuse, at least not for me. These buyers will probably end up after the lawsuit with a free RV and more cash to boot, winning the lottery by claiming "poor me, I so ignorant, they took advantage".

  11. #3011
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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  12. #3012
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  13. #3013
    Clod Hopper's Avatar
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    That looks great!! I like the pin stop at the hinge.

  14. #3014
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    Looks nice. I built a few of them when i worked at Hillside 4x4 using a front spindle for whatever rig it was on complete with a lockout hub so you could lock it in any position plus it gives you spare parts if you have a meltdown on the highway. Im sure i wasnt the first to come up with that idea but its worrth sharing because the ability to lock a tire carrier is handy..
    From the only state in the USA where O'dumbass failed to carry a single county. :hail:

  15. #3015
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    Quote Originally Posted by Clod Hopper View Post
    That looks great!! I like the pin stop at the hinge.
    Thanks. The client picked it up tonight and was happy with the clean lines, simple operation, and stout craftsmanship. Looks good coated and as if it was meant to be there. Been a little while since I have taken on a simple/basic project like this again and it was enjoyable. Isually people want 20 pounds of crap in a 5 pound bag. Was just a nice change
    Last edited by Aaron; June 1st, 2021 at 09:12 PM.

  16. #3016
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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  24. #3024
    Clod Hopper's Avatar
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    Quote Originally Posted by Aaron View Post

    So he was spreading false info? I thought all lawyers did that. One side says he is guilty and the other says not guilty, so one is spreading false info? Normal stuff. Deep staters targeting political opponents.

    Govt protectionism treating citizens as children so they rely on govt. People need to grow up, turn on their thinker caps and realize some info is false and do some adulting.

  25. #3025
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    The Original Opie-Gone-Bad!!! Aaron's Avatar
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  35. #3035
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    "Gun rights are human rights"

    Last edited by Aaron; July 18th, 2021 at 01:01 PM.

  36. #3036
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    RIP Joey Jordison


  37. #3037
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    I don't understand most of what that guy is talking about but love his videos.
    Have you ever seen a man eat so much fish?

  38. #3038
    Those who make peaceful revolution impossible will make violent revolution inevitable.
    John F. Kennedy

  39. #3039
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    Last edited by Aaron; August 11th, 2021 at 11:06 AM.

  40. #3040
    The Original Opie-Gone-Bad!!! Aaron's Avatar
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    One of my favorite ways to unwind is watching horrible British comedies. Monty Python started it all, then Top Gear. Now I tend to watch shows like Taskmaster and Countdown. Here is a short tribute to one of the funnier comedians who graced their stage. RIP Sean Lock. You will be missed. F Cancer


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