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I must say that a '95 850 is not a good vehicle to own for a person with limited funds and without do-it-yourself capability. If you are going to keep this vehicle and pay to have it serviced, you need to use someone who works on Volvos all the time as they do have some quirks.
As to the other issues, how a person dresses and speaks does indeed effect how other people interact with the person. You probably would react differently to a man in a tailored suit than you would a guy wearing nothing but a Speedo. Something to think about.
John
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