Singles Social Club: It's 5 o'clock somewhere!

[LaLalovesWDW]

Hey, read the update, congrats on DVC. That and an AP and you're all set.

I don't hate my job, in fact I kind of like it, especially the 'extras', but glad I am leaving right now.

And when I change careers, I think it will be near Orlando.

Thanks.. I got my seasonal AP last December which is really the only way I was able to get to go last week. AND, (lookin around for CMs) "technically" Im a FL resident, so I got a really good discount on it for myself and DD, so yes... now we are good. If I could only get a Jetblue AP, I would *really* be good.

Yeah I been job hunting in the Orlando/ West Palm area for over 2 years and FINALLY I am seeing promise. I hope to start my new Mickey Ds gig before year's end.

 

[tlionheart78]

Okay. It was 7 AM yesterday when I last posted here and nearly 10 pages have passed since then. 10 pages in a day and a half...Man, I miss so much.

Anyway, I need a little advice. I just got back the results from my insurance concerning my car. To get to the point, it was totaled during that hailstorm two weeks ago. For those that may not know, a total loss means that the cost to repair the car outweighs the total value of the vehicle. I checked the total estimates from my insurance report and, to give you an idea of the value of the car, the cost to repair the whole vehicle would cost me around $4K.

Now, here's the dilemma. I can't afford to handle car payments as I'm still in debt. Besides, even though the hail damage is clearly visible, the windshields are still in great condition and my car still runs rather well despite its age (It's a 1999 model). But at the same time, I'm wanting to get a new car (or at least something a little more dependable to be on the road). So, my choices are:

A.) Turn in the vehicle and pay the deductible so I can get start on a new car.

or

B.) Keep the vehicle and get a check that covers the cost of the car (minus the deductible) and drive around in a hunk of junk until I can afford a new one.

I plan on calling my insurance company tomorrow when things are slow at work (HA!!) so I can get the exact details from my claim. But any advice here would be very well appreciated.

 

[nurse.darcy]

Okay. It was 7 AM yesterday when I last posted here and nearly 10 pages have passed since then. 10 pages in a day and a half...Man, I miss so much.

Anyway, I need a little advice. I just got back the results from my insurance concerning my car. To get to the point, it was totaled during that hailstorm two weeks ago. For those that may not know, a total loss means that the cost to repair the car outweighs the total value of the vehicle. I checked the total estimates from my insurance report and, to give you an idea of the value of the car, the cost to repair the whole vehicle would cost me around $4K.

Now, here's the dilemma. I can't afford to handle car payments as I'm still in debt. Besides, even though the hail damage is clearly visible, the windshields are still in great condition and my car still runs rather well despite its age (It's a 1999 model). But at the same time, I'm wanting to get a new car (or at least something a little more dependable to be on the road). So, my choices are:

A.) Turn in the vehicle and pay the deductible so I can get start on a new car.

or

B.) Keep the vehicle and get a check that covers the cost of the car (minus the deductible) and drive around in a hunk of junk until I can afford a new one.

I plan on calling my insurance company tomorrow when things are slow at work (HA!!) so I can get the exact details from my claim. But any advice here would be very well appreciated.

I am not exactly sure how this works, but I think that if they total the vehicle it becomes no longer insurable. You definitely have to check with them on this. Ask for ALL your options before you settle.

 

[nurse.darcy]

Funny people. . .everything came to a grinding halt here after noon today. You all must have had to get work done today cause it seemed EVERYONE was posting like crazy yesterday. . .lol.

 

[DCTooTall]

Okay. It was 7 AM yesterday when I last posted here and nearly 10 pages have passed since then. 10 pages in a day and a half...Man, I miss so much.

You didn't miss a whole lot. there were about 3 pages of just Mickey88 and Darcy going back and forth regarding the new PotC movie, Wenches, Pyrates, and general bad behavior.

Anyway, I need a little advice. I just got back the results from my insurance concerning my car. To get to the point, it was totaled during that hailstorm two weeks ago. For those that may not know, a total loss means that the cost to repair the car outweighs the total value of the vehicle. I checked the total estimates from my insurance report and, to give you an idea of the value of the car, the cost to repair the whole vehicle would cost me around $4K.

Now, here's the dilemma. I can't afford to handle car payments as I'm still in debt. Besides, even though the hail damage is clearly visible, the windshields are still in great condition and my car still runs rather well despite its age (It's a 1999 model). But at the same time, I'm wanting to get a new car (or at least something a little more dependable to be on the road). So, my choices are:

A.) Turn in the vehicle and pay the deductible so I can get start on a new car.

or

B.) Keep the vehicle and get a check that covers the cost of the car (minus the deductible) and drive around in a hunk of junk until I can afford a new one.

I plan on calling my insurance company tomorrow when things are slow at work (HA!!) so I can get the exact details from my claim. But any advice here would be very well appreciated.

Definately check on the ramifications of them totalling the car. Either way, The car will be labeled as totaled, so any sort of residual value you'd have or your ability to resell it or get anything from a trade in will pretty much be shot. I also don't know what the insurance impact would be, based off what Darcy hinted at.

That being said.... If the car is still in good shape with just some cosmetic damage, I'd probably consider keeping it. If the long-term issues with having a salvage title on it aren't going to put you in a worse spot.... and if the car can still legally be driven, Then this could work out to be a good thing for you. You'll still have a method of transportation to get you from point A to B, plus you'll receive a nice little check which you can turn around and use to help pay off those debts. I also don't know how much you pay in insurance, but obviously with a car that already got totaled, You don't need to pay for full coverage on it, so you could potentially save yourself another $50-100+ /mo by dropping to liability only coverage.


The only downside to the above would be if you actually get in a wreck which makes the car undrivable you could be put into a tough spot without that check to help you with a down payment or the purchase of a new car. But since you know your debt and financial situation better than us, The risk could be worth it if that check helps speed your financial recovery, which in turn could be used to help you afford a better replacement vehicle in a few months.

Just my opinion though.

Funny people. . .everything came to a grinding halt here after noon today. You all must have had to get work done today cause it seemed EVERYONE was posting like crazy yesterday. . .lol.

My excuse is I went to bed and passed out for the day. I'm not sure what everyone else's excuse is.... (Unless they just missed me)

 

[tlionheart78]

You didn't miss a whole lot. there were about 3 pages of just Mickey88 and Darcy going back and forth regarding the new PotC movie, Wenches, Pyrates, and general bad behavior.

I do believe I saw that earlier. I tend to forget that this thread can often turn into their personal Skype (copyright Microsoft) chat room.

Definately check on the ramifications of them totalling the car. Either way, The car will be labeled as totaled, so any sort of residual value you'd have or your ability to resell it or get anything from a trade in will pretty much be shot. I also don't know what the insurance impact would be, based off what Darcy hinted at.

That being said.... If the car is still in good shape with just some cosmetic damage, I'd probably consider keeping it. If the long-term issues with having a salvage title on it aren't going to put you in a worse spot.... and if the car can still legally be driven, Then this could work out to be a good thing for you. You'll still have a method of transportation to get you from point A to B, plus you'll receive a nice little check which you can turn around and use to help pay off those debts. I also don't know how much you pay in insurance, but obviously with a car that already got totaled, You don't need to pay for full coverage on it, so you could potentially save yourself another $50-100+ /mo by dropping to liability only coverage.


The only downside to the above would be if you actually get in a wreck which makes the car undrivable you could be put into a tough spot without that check to help you with a down payment or the purchase of a new car. But since you know your debt and financial situation better than us, The risk could be worth it if that check helps speed your financial recovery, which in turn could be used to help you afford a better replacement vehicle in a few months.

Just my opinion though.

If you'd like, I can send you an idea of my personal finances via PM, though I'm not sure that's going to do any good. I plan on calling my insurance company later today and I hope to give them an answer by then. I have been thinking about it though and I have been leaning towards keeping the thing. I consider myself a safe driver and haven't been in an accident in years *KNOCKS ON WOODEN DESK*, but I guess I have to avoid the long trips and be a bit more defensive in my driving in order to avoid the chance of an accident. Besides, there are advantages to working an auto dealership, and I'll take them when I'm ready to upgrade.

If there's any other advice out there, I'm glad to hear it.

My excuse is I went to bed and passed out for the day. I'm not sure what everyone else's excuse is.... (Unless they just missed me)

Geez, I head for bed at a decent hour and I STILL manage to get to sleep by midnight. Guess the idea of actually crashing are beyond my capabilities.

 

[TexasDisneyBelle]

Happy Thirsty Thursday! All this talk of crashing is making me tired. I slept for seven hours last night and could use a few more. Especially since I'm doing a Relay for Life cancer walk on Friday and I just have no idea how I'm going to stay awake all night.

 

[TexasDisneyBelle]

My excuse is I went to bed and passed out for the day. I'm not sure what everyone else's excuse is.... (Unless they just missed me)

Wait! I thought it was cause they missed me! I do have to work sometime after all.

 

[TexasDisneyBelle]

If there's any other advice out there, I'm glad to hear it.

Sorry, I'm not really knowledgeable enough to give you good advice about this. I hope the whole situation works out to your satisfaction though. And I'm here for comedic relief if you need it...except when I'm doing the whole rat race thing as mentioned in the above post.

 

[DisneydaveCT]

I'm doing a Relay for Life cancer walk on Friday and I just have no idea how I'm going to stay awake all night.

Have you ever done a RFL before? Which Relay are you participating in tomorrow night? I am visiting multiple Relays during Friday and Saturday nights this weekend.

I work for the ACS, so please allow me to thank you for all of your efforts down in your community.

I hope you have a great time.

 

[ahoff]

Anyway, I need a little advice. I just got back the results from my insurance concerning my car. To get to the point, it was totaled during that hailstorm two weeks ago. For those that may not know, a total loss means that the cost to repair the car outweighs the total value of the vehicle. I checked the total estimates from my insurance report and, to give you an idea of the value of the car, the cost to repair the whole vehicle would cost me around $4K.

Now, here's the dilemma. I can't afford to handle car payments as I'm still in debt. Besides, even though the hail damage is clearly visible, the windshields are still in great condition and my car still runs rather well despite its age (It's a 1999 model). But at the same time, I'm wanting to get a new car (or at least something a little more dependable to be on the road). So, my choices are:

A.) Turn in the vehicle and pay the deductible so I can get start on a new car.

or

B.) Keep the vehicle and get a check that covers the cost of the car (minus the deductible) and drive around in a hunk of junk until I can afford a new one.

I plan on calling my insurance company tomorrow when things are slow at work (HA!!) so I can get the exact details from my claim. But any advice here would be very well appreciated.

If the car runs ok, I would stick with the pos for a bit longer and save up for something better. That is if it is regiserable. And as DC says, you will save on collision insurance. Of course this is coming from someone who trys not to drive much.

Happy Thirsty Thursday! All this talk of crashing is making me tired. I slept for seven hours last night and could use a few more. Especially since I'm doing a Relay for Life cancer walk on Friday and I just have no idea how I'm going to stay awake all night.

Have fun! With all that walking it sounds like you are ready for a Disney race.

 

[TexasDisneyBelle]

Have you ever done a RFL before? Which Relay are you participating in tomorrow night? I am visiting multiple Relays during Friday and Saturday nights this weekend.
I work for the ACS, so please allow me to thank you for all of your efforts down in your community.
I hope you have a great time.

Thanks for the support. There is no one that cancer hasn't touched in some way and I am happy to work toward eradicating all forms of it. I will be participating in the Greater Bay Area relay on the south side of Houston. It's not my first relay, but it's been several years. Which relays are you visiting?

Have fun! With all that walking it sounds like you are ready for a Disney race.

I don't know if I'm ready for that. So far I've only shown an affinity for walking long stretches and hurtling over obstacles after drinking a beer (hello warrior dash!)

 

[TekMickey]

Funny people. . .everything came to a grinding halt here after noon today. You all must have had to get work done today cause it seemed EVERYONE was posting like crazy yesterday. . .lol.

Work catches up with me as well. Hard to stay tuned in and get an honest paycheck.
Too many projects with deadlines.

Then several pages go by and I get forgotten about...

Oh and Louisa, good luck with your walk.

 

[DIS_MERI]

I left for a visit with my parents about noon yesterday, so there's my excuse, lol. We stayed overnight and while the kids love it, and my parents have a relatively comfy couch, it is still sleeping on the couch....now it is time to get ready for my weekly visit for allergy shots. I've only been on them since Feb and *wow* what a difference it is making for me. I'm so very pleased.


And, TekMickey, we all have conversational ADD, so pretty much everything gets forgotten quickly (except Louisa's booty shaking video....), don't take it personally

 

[DCTooTall]

Work catches up with me as well. Hard to stay tuned in and get an honest paycheck.
Too many projects with deadlines.

Then several pages go by and I get forgotten about...

Oh and Louisa, good luck with your walk.

the nice thing about this group is if you get pulled away for a bit and have several pages swing by, you can always just jump back into the conversation when you get back. We are random enough that sometimes the conversations you'd catch up on 4 pages back are about 6 topics ago.

 

[DCTooTall]

And, TekMickey, we all have conversational ADD, so pretty much everything gets forgotten quickly (except Louisa's booty shaking video....), don't take it personally

She wasn't the only one with the booty shaking video. altoqueenKelly also had one, but she's mysteriously disappeared.




And somehow my Harem is another topic that doesn't get forgotten about.

 

[DIS_MERI]

She wasn't the only one with the booty shaking video. altoqueenKelly also had one, but she's mysteriously disappeared.




And somehow my Harem is another topic that doesn't get forgotten about.

Yes, and there are pictures to prove your Harem, whereas the videos were only alluded to I also noticed that Kelly has disappeared, Kyle seems to have run off as well (or real life pulled them away). I know I'll have to cut back some when my trip is over or you evil people will have me planning another before I can afford it

I sure hope the kids enjoy the trip half as much as I've enjoyed planning it I also hope we can manage the heat, I'm going to try to get us all slightly acclimated before we go, at least Indiana is ridiculously humid as well....

 

[TekMickey]

And, TekMickey, we all have conversational ADD, so pretty much everything gets forgotten quickly (except Louisa's booty shaking video....), don't take it personally

Woah, theres videos? Shake... I mean share. ;-)

No worries, I think its good that there is this much conversation going on.
I have been a part of this board since 2005 and I haven't been active at all. (Again, I blame work and myself)

Well, got to get to it.. hope you all have a Dis-riffic Day.

 

[MICKEY88]

I do believe I saw that earlier. I tend to forget that this thread can often turn into their personal Skype (copyright Microsoft) chat room.

Often ?? what the heck, so if other people leave and we're the only 2 here we aren't allowed to talk ???

Wow I must have missed that memo..

why exactly is it sad that 2 people can communicate without a room full of other people..??

 

[NJDiva]

Yes, and there are pictures to prove your Harem, whereas the videos were only alluded to I also noticed that Kelly has disappeared, Kyle seems to have run off as well (or real life pulled them away). I know I'll have to cut back some when my trip is over or you evil people will have me planning another before I can afford it

I sure hope the kids enjoy the trip half as much as I've enjoyed planning it I also hope we can manage the heat, I'm going to try to get us all slightly acclimated before we go, at least Indiana is ridiculously humid as well....

See I wasn't the only one that noticed they were gone. And you won't leave us that easily. I just got back and I'm heading back for a weekend in July ...you'll get sucked right back in