SEFCU really wants me to buy a car with their money 💰🚘 🤔 🗑

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SEFCU really wants me to buy a car with their money 💰🚗🤔🗑

Apparently I’ve been tagged as interested in buying a new car. While my big jacked up truck isn’t that old at nine years and 90k miles and I plan to keep it at least one more year, I have been spending some evaluating my options and occasionally clicking through ads to see the fine print for the teasers.

While I’m not even sure I will own my own car come the end of next year – or if I’ll get new tires and have various suspension parts repaired or replaced – SEFCU has decided I’m somebody who needs to be followed around the internet and blasted with twice a week emails promoting their low finance rates, mainly because the fed rate is so low these days.

I tried to get off their list – but I am apparently not allowed to – unless I unsubscribe from all important bank and credit card account notices. I guess I could set up a spam filter but I just find it so obnoxious that the automated marketing systems are following my every move.

I also can’t imagine financing an automobile or anything that you throw away every couple of years. Cars while they are nice are basically just landfill fodder full of rust holes and dents with worn seats and falling apart controls and buttons after a decade. Borrowing and paying back money for something you end up paying to have buried in a landfill every few years just seems wrong.

I could to a certain extent see financing land or even a farm tractor and implements but those kind of things can last for decades and can make money that exceeds their debt service. Definitely there are plenty big ol John Deere 40xx series tractors still in use on dairy farms across Upstate NY, and they haven’t been manufactured in a quarter century – to say nothing of many other old rigs from the 1960 or even earlier like the Ford 40N. But most mechanical things are just garbage, to be used for a few years and thrown away and shouldn’t be financed.

Honestly, while cars are fun and I make good money these days, I enjoy saving money and looking more forward to eventually owning that off-grid farm property – and not spending so much money on landfill fodder.

September 26, 2020 Afternoon

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Good afternoon! Mostly sunny and 71 degrees at the Indian Lake. There is a south breeze at 9 mph. 🍃. The dew point is 54 degrees.

Absolutely stunningly beautiful fall day. 🍂 I just got done hiking Watch Hill, and headed up to Indian Lake to upload some photos and hike Sawyer Mountain after lunch.⛰ Then I will prboably head back to camp and read 📖 for a while, enjoying the nice breeze and colors from the hammock and then have a nice dinner before it gets too dark.

Hiking Watch Hill was fun but I wasn’t happy to discover I had no cell service up there. 📲 That wasn’t so cool as I’m supposed by supervising staff that is working, but fortunately I received no work related emails or texts 📨 during that time. I was planning to make sure I had good reception all weekend but that wasn’t to be. But I still had a very nice hike.

Been waking up early, 🌄 with the early sunsets and falling asleep after having a couple of beers.🍻 I normally don’t drink much but with the nights as long as they are and things are so crazy lately, what’s a few beers at camp.

This afternoon will be sunny 🌞, with a high of 75 degrees at 4pm. Seven degrees above normal, which is similar to a typical day around September 10th. Maximum dew point of 56 at 6pm. South wind around 10 mph. A year ago, we had cloudy skies in the morning with more sun in the afternoon. The high last year was 69 degrees. The record high of 90 was set in 2017.

I thought about driving out to Cedar River Flow or Moose Plains, 🚶but I think I’ll just do Sawyer Mountain if it’s not too crowded. Otherwise I guess I will go up to Blue Mountain Lake and hike around Lake Durant and some of the North Country Placid Trail before heading back to camp down by Mason Lake. I am glad I did get a campsite on Thursday night, as by Friday I think they all were taken.

Solar noon 🌞 is at 12:49 pm with sun having an altitude of 44.7° from the due south horizon (-24.9° vs. 6/21). A six foot person will cast a 6.1 foot shadow today compared to 2.2 feet on the first day of summer. The golden hour 🏅 starts at 6:10 pm with the sun in the west (262°). 📸 The sunset is in the west (269°) with the sun dropping below the horizon at 6:48 pm after setting for 2 minutes and 57 seconds with dusk around 7:15 pm, which is one minute and 51 seconds earlier than yesterday. 🌇 At dusk you’ll see the Waxing Gibbous 🌔 Moon in the south-southeast (149°) at an altitude of 19° from the horizon, 240,494 miles away. 🚀 The best time to look at the stars is after 7:50 pm. At sunset, look for partly clear skies 🌄 and temperatures around 69 degrees. The dew point will be 56 degrees. There will be a south breeze at 8 mph. Today will have 11 hours and 57 minutes of daytime, a decrease of 3 minutes over yesterday.

Tonight will have a slight chance of showers between 1am and 3am. Mostly cloudy 🌧, with a low of 55 degrees at 4am. Eight degrees above normal, which is similar to a typical night around September 8th. Maximum dew point of 58 at 8pm. South wind around 7 mph. Chance of precipitation is 20%. In 2019, we had patches of fog in the evening, which became partly cloudy by the early hours of the morning. It got down to 46 degrees. The record low of 24 occurred back in 1947.

As previously noted, there are 3 weeks until Northern Zone Regular Season 🦌 when the sun will be setting at 6:09 pm with dusk at 6:38 pm. On that day in 2019, we had rain and temperatures between 52 and 46 degrees. Typically, the high temperature is 59 degrees. We hit a record high of 85 back in 1947.

Evening Colors