Things I am pondering today

[stu yoakam]

It's a small world. Just got back from the movie. There was only one other person in the theater. It was my brother. We just happened to go on the same day and at the same time.

[stu yoakam]

Gauge said no oil pressure so I took distributor out and primed the pump until oil came out of the rockers. Ran the drill for maybe five minutes. Gauge never moved but you can see oil in the tube. Put it back together and it started right away and ran good until I hit the throttle and it backfired. Distributor went back in where it came out. Had pictures on my phone to compare it to. IDK

[stu yoakam]

Guy came by the house to make an offer. Said he heard we are close to a foreclosure. A while back brother said a payment would make us current so I gave it to him. This guy sounds like we are way behind. Thinking about going to the bank tomorrow.

[stu yoakam]

Brother tried to sell his car for what's owed on the loan. Dealership in the city says OK until carfax claims a discrepancy in the odometer. Carfax says the DMV listed the car at 166k miles and every other listing says 138k like the odometer. They can scan the OBDII and it will tell you the real mileage on the computer. They are the FORD dealer. Different ford dealer did a recall repair on the car recently and listed the lower miles. Might be a typo on the title for miles or VIN IDK. Was going to give him the $ for the car and maybe other brother could drive it, but I hate drama. I don't want to deal with the DMV or anyone else. Good thing its a holiday weekend and he is moving out of state on wednesday.

[stu yoakam]

Local ford dealer bought the car no problem. He should have left town by now. We'll have to wait to hear from him. It's been a week since the guy said he would be back this week about the house. Not knowing is just the best. If they kick us out we'll know. Maybe I should start packing. Been thinking how little I care about most of this crap.
Got a new oil pressure gauge for the 71. If that isn't the problem then we can try something else.

[stu yoakam]

Got served papers today. They are trying to say we haven't made a payment since December. Brother says he made all the payments. We have three weeks to respond it says. It was 4pm on friday so have to wait for next week. Also, says we still owe two thirds of the loan after 19 years of payments. That doesn't sound right. Unless you pay the interest up front?

[cstmwgn]

Also, says we still owe two thirds of the loan after 19 years of payments. That doesn't sound right. Unless you pay the interest up front?

From my experience that seems possible. I think you can find an amortization table on-line that might help you see how it works. The majority of your payment goes to interest in the early years as you barely pay down the principal.

[corvettedad]

That is true.

[stu yoakam]

Says we owe @ 91k of 165k after 19 years of payments. Might be closer to 40%? I think the interest is 4% but not sure. I had zero credit at the time and it would have gone higher with me on the loan. I now have over 800 credit score. Everything is in brother's name so IDK much. He says he made the payments. Could easily be a bank error, its happened to him before, that's why I don't like auto payments. If he read the mail we would probably have heard something before it got this bad.
I am on the deed and taxes AFAIK, and live in the same place, IDK why they haven't tried to talk to me. My voicemail quit working and I seldom get calls that aren't spam. So I ignore them or use the screen calls button LOL. Eye dr says they get flagged all the time. I could pay on the loan if I knew who to pay it to and that they are legit. Lots of scams going on these days.

Good news is, I replaced the oil gauge on the 71 and it says at least 20. Car flooded out so I couldn't keep it running. Gotta figure out if its timing or maybe gas is going bad from sitting too long. It started and idled after I primed the oil pump until I hit the throttle then it spit up through the carb/TBI. Started easy and I put the distributor back where it came out or very close to it.

[stu yoakam]

The plastic rim inside the gauge face is coming apart, and the hole the line hooks to looked damaged or maybe a piece of line broke off in it? Maybe it was overtightened? IDK