# Is it odd that I enjoy something most people detest? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [May 20, 2013, 1:22pm UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814 "2013-05-20T13:22:16Z")\ **Posts on this page:** 9\ **Page:** 3
**Author:** ![Count\_Blucher](https://avatars.discourse-cdn.com/v4/letter/c/c5a1d2/32.png) [@Count\_Blucher](https://boards.straightdope.com/u/Count_Blucher)\ **Post date:** [May 22, 2013, 1:37pm UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814/41 "2013-05-22T13:37:23Z")
[hijack] Re: enjoying something that most people detest: Once, just because growing up my parents told me I was supposed to like it, I actually ordered fried liver from a restaurant menu. At that restaurant, which claimed to be authentic Irish food, that dish was surprisingly good. This post has nothing to do with cars, negotiating, or band camp. [/hijack] ---
**Author:** ![Frylock](https://avatars.discourse-cdn.com/v4/letter/f/ce7236/32.png) [@Frylock](https://boards.straightdope.com/u/Frylock)\ **Post date:** [May 22, 2013, 2:47pm UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814/42 "2013-05-22T14:47:02Z")
> [@Becky2844](#): > > This next isn’t sneak-bragging, it’s bragging-bragging but it sounds like a lie. It’s not. (Or maybe it wasn’t as good a deal as I thought. I don’t know.) > Years ago we were shopping for a used car for the same son. He found the one he wanted and it was marked $7,999. The only trouble was, I only had $5,000. So when we went inside with the dealer I put it down on the desk, in cash. His eyes widened, he went and talked to somebody, then came back and wrote it up. When we got home and I showed my husband the papers he said “Well, he backed into that one.” > My stepfather had pointed out to me how farmers purchase stuff. They go into a place wearing their overalls but pull out a wad of cash. It’s hard for people to turn down real money right in front of them, he said. > So I tried it and it worked. That’s a surprising story. It’s hard to imagine that nearly halving the marked price wasn’t a good deal. But on the other hand, car dealers make most of their profit on financing, not on the price of the car, so they actually _dis_prefer cash-on-the-table deals, usually. ---
**Author:** ![Beelzebubba](https://avatars.discourse-cdn.com/v4/letter/b/ed8c4c/32.png) [@Beelzebubba](https://boards.straightdope.com/u/Beelzebubba)\ **Post date:** [May 22, 2013, 2:56pm UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814/43 "2013-05-22T14:56:24Z")
> [@Becky2844](#): > > This next isn’t sneak-bragging, it’s bragging-bragging but it sounds like a lie. It’s not. (Or maybe it wasn’t as good a deal as I thought. I don’t know.) > Years ago we were shopping for a used car for the same son. He found the one he wanted and it was marked $7,999. The only trouble was, I only had $5,000. So when we went inside with the dealer I put it down on the desk, in cash. His eyes widened, he went and talked to somebody, then came back and wrote it up. When we got home and I showed my husband the papers he said “Well, he backed into that one.” > My stepfather had pointed out to me how farmers purchase stuff. They go into a place wearing their overalls but pull out a wad of cash. It’s hard for people to turn down real money right in front of them, he said. > So I tried it and it worked. Until the last 10-15 years, anyone who walked into a showroom wanting to pay CASH for a new car would get a helluva deal. But now CASH buyers are actually at a disadvantage because the dealership won’t have a chance to mark up the APR on a loan. When a dealer submits your app to a bank or finance company, it gets approved for XX months at X.xx% APR. The dealer can then increase the interest rate (if the bank approved the loan for 60 months at 4.9% APR, you may be presented with a 60-month loan at 6.9% APR. If you haven’t done your own research and checked your credit report and your credit score, most buyers just accept it and sign on the dotted line. Even if they know they should qualify for a lower rate, they will still sign off on the higher APR loan to finish the deal and get out of there. I’ve know a few people who had every intention of refinancing because they qualified for a much lower rate than the dealer, but it’s such a hassle and they forget and eventually it is forgotten..I was in that situation with my second new car loan, which I got when I was 21 for a 1996 Accord. I signed off on a freakin’ 13.99% 60-month loan and dxidn’t even catch the high APR for almost a year. My credit union quoted me a 48-month refi at 7.25%, but I totaled the car a few months later and hadn’t bothered to do the refi yet…I as an idiot about money back then, so I guess I deserved whatever I was dumb enough to fall for! :smack: By the way, there is nothing illegal about dealers marking up loan rates. It’s a product they’re selling, just like the car you’re buying, the parts and accessories they sell and the services the the services provided by the Service Dept and Body Shop. I personally don’t think it’s ‘wrong’ or unethical in any way either. If the customer is willing to sign the loan at the rate presentd, it’s the buyer’s fault that he/she is over-paying, not the dealer. The other big reasont that most dealerships don’t like cash buyers is because it’s much more difficult to sell them an extended warranty, service contract and other items of dubious value sold by the F&I office. ---
**Author:** ![RedBloom](https://avatars.discourse-cdn.com/v4/letter/r/dbc845/32.png) [@RedBloom](https://boards.straightdope.com/u/RedBloom)\ **Post date:** [May 22, 2013, 7:26pm UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814/44 "2013-05-22T19:26:02Z")
I love cleaning and organizing bathrooms. I love cigarettes. I’m pretty disgusting in most people’s eyes, clearly. ---
**Author:** ![Becky2844](https://avatars.discourse-cdn.com/v4/letter/b/91b2a8/32.png) [@Becky2844](https://boards.straightdope.com/u/Becky2844)\ **Post date:** [May 22, 2013, 7:27pm UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814/45 "2013-05-22T19:27:58Z")
It _was_ about a dozen years ago. I asked him what kind of car it was and he said a Hyundai Scoupe which they don’t make anymore. ---
**Author:** ![Chefguy](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/chefguy/32/138_2.png) [@Chefguy](https://boards.straightdope.com/u/Chefguy)\ **Post date:** [May 22, 2013, 7:30pm UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814/46 "2013-05-22T19:30:08Z")
Just this morning I called ADT and told them I was dumping them for Comcast home security because their rates have gotten too high ($52 vs $29.95). So the guy says “we can probably do that well”. Comes back and says $25/mo, no contract. Comcast wants a 2-year contract, with a hike in price of $10/mo after that. Deal! ---
**Author:** ![panaccione](https://avatars.discourse-cdn.com/v4/letter/p/94ad74/32.png) [@panaccione](https://boards.straightdope.com/u/panaccione)\ **Post date:** [May 22, 2013, 8:34pm UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814/47 "2013-05-22T20:34:29Z")
> [@jz78817](#): > > tell you your sneak-bragging wasn’t impressing anyone. Speak for yourself. I’m actually kind of impressed. There’s a lot of good one liners in there you could use for a lot of sales transactions. ---
**Author:** ![deltasigma](https://avatars.discourse-cdn.com/v4/letter/d/e5b9ba/32.png) [@deltasigma](https://boards.straightdope.com/u/deltasigma)\ **Post date:** [May 22, 2013, 8:52pm UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814/48 "2013-05-22T20:52:11Z")
> [@Beelzebubba](#): > > Until the last 10-15 years, anyone who walked into a showroom wanting to pay CASH for a new car would get a helluva deal. But now CASH buyers are actually at a disadvantage because the dealership won’t have a chance to mark up the APR on a loan. 2 things. First, let’s say you want to pay cash but don’t mind playing the game and pretend to along like a good sheep. I assume you get a better deal on the price since they figure to make it up later. But then you prepay the loan. What are the prepay penalties like. Are they bad enough to make it lose-lose? Second, I admire people who have the ability to do this since I suspect it requires not only an understanding of that side of the business but the ability to read people and manipulate them to some extent. I don’t mean that in a bad way though. I think it’s human nature for example to nice when we want something for example - which is certainly a type of manipulation. My point is, I would enjoy reading an installment thread on negotiation tactics if you were ever inclined to do something like that. 🙂 ---
**Author:** ![Becky2844](https://avatars.discourse-cdn.com/v4/letter/b/91b2a8/32.png) [@Becky2844](https://boards.straightdope.com/u/Becky2844)\ **Post date:** [May 23, 2013, 5:14am UTC](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814/49 "2013-05-23T05:14:29Z")
> [@Chefguy](#): > > Just this morning I called ADT and told them I was dumping them for Comcast home security because their rates have gotten too high ($52 vs $29.95). So the guy says “we can probably do that well”. Comes back and says $25/mo, no contract. Comcast wants a 2-year contract, with a hike in price of $10/mo after that. Deal! Will you call my cable company and tell them I’m going to take my ball and go home unless they lower my bill? [Previous page](https://boards.straightdope.com/t/is-it-odd-that-i-enjoy-something-most-people-detest/658814.md?page=2)