Monday, April 14, 2014
Credit Repair Before Or After
In order to understand what follows it is important to give a general idea of what debt consolidation and credit repair effects are. Both a debt consolidation and credit repair process have implications on each other and thus a correct combination of both in terms of time and opportunity can produce the best outcome and achieve the most advantageous results which is what everyone wants when undertaking such processes.
Debt Consolidation Effects
Debt consolidation produces several effects that can alter a credit repair process. For starters, depending on the strategy used, the amount of creditors may be reduced. If the process implies a debt consolidation loan which is used to repay all or the majority of the outstanding debt, then, all the creditors (or most of them) will be replaced by the new lender and thus, though some entries on your report may remain, from now on, you have a fresh start on your credit history.
If a debt consolidation loan is not the way to go, debt consolidation will imply only negotiations with current creditors to reduce debt and agree new repayment programs. Debt consolidation when it implies negotiation can also include the removal of negative entries on the credit report. In any case, the debt reduction alone will improve your credit score and history. However, certain debt consolidation agencies chose to default on several loans and lines of credit prior to negotiations in order to obtain better results and this implies new bad entries on your credit report.
Credit Repair Programs Effects
Credit repair programs have different effects depending on the stage of the program. At first, unfortunately, credit repair programs tend to make the applicants credit score to drop to lower levels than the ones before joining the program. This is mainly due to the fact that credit repair programs often imply the interruption of payment of certain debts to make room for negotiations.
At a later stage, on the other hand, your credit score will continually increase as negative inputs on your credit report keep getting removed by creditors or by the mere pass of time. The interaction of credit repair programs and debt consolidation programs is not unpredictable. Moreover, there are agencies that provide both services.
The combined efforts of credit repair and debt consolidation can get you back to a good credit and financial stance in as little as two years. For some this may sound as a long time but let me assure that it is not. Investing two years time and efforts will result on a good credit score and access to all financial products available for those that never had bad credit. Thus, the answer to the question asked at the beginning of this article is simple: neither before or after, at the same time.
Thursday, April 3, 2014
Preparing the Home For Senior Care With Dementia Or Alzheimer
Senior care can be stressful whenever the loved one has Dementia or Alzheimers disease. Creating a safe home environment can alleviate some of this anxiousness, and getting needed rip from elder care by employing an in-home care service can help as well.
Creating a safe environment removes the danger and stress from internally senior care. The challenging part in safeguarding a residence for elder care really assessing the existing downfalls, identifying areas that plan to be improved, and preventing wandering. The following checklist aid when planning for safe in-home senior care.
Install grab bars in bathrooms as well as set non-slip bath mats rrn the direction of tubs. Use a very easily showerhead and shower workspace.
If necessary remove your and or the treasures from temptation if the senior will never driving.
Install locks on all doors and windows and if the senior sometimes wander out, keep your womans locked. Install deadbolt looks on doors that are wanting a key to see-thorugh.
Place nightlights in sleeping quarters, hall and bathroom.
Take locks on bathroom doors to prevent the person from accidentally locking himself in.
Make childproof locks on any cabinets where medicine, chemicals or dangerous such things knives and guns are located kept.
Keep walkways clutter-free how the house tidy to escape falls.
Consider replacing throws and anything else that cause an elderly someone slip or fall.
Install outdoor flood lighting to light up walkways at night.
Have a fire extinguisher handy cooking. Install an automatic shut-off power up the stove.
The elderly person should always carry identification medical alerts if that would help so that the y he or she walks off, someone will capability indentify him or them. If the elderly player does become lost, website have a recent photograph of the individual on hand to current police.
Make sure the aged persons financial and court docs are in order, and input into a secure place.
Readily adult day care in order to reduce the stress and demands of senior concentration. This way you can have assist knowing that a ready, caring person is providing elder care while you are away.
Sue McCrossin may well freelance writer working with Visiting Angels make a sale safety tips for visitingangels. net Senior Care. Visit their site for more articles and tips focused on senior care issues & visitingangels. com/respite-care-program. or net respite care program.
Saturday, March 22, 2014
Debt consolidation loan for Renters or Homeowners with Bad Credit or No Equity
Debt Consolidation Programs
programs is going to take all your high interest debts that you owe and consolidate them into one monthly payment, having a lower rate of interest. Your monthly payment for that one loan ought to be a substantially lower payment for you every month. The issue for most consumers with this particular loan plan is that they will have to have collateral being a home or another good assets in order to get the credit.
With collateral you can aquire a lower payment per month, but missing a payment is not an option. If you do miss a payment, plus youve got put up your property up as collateral, you run the risk of having your home repossessed. One other issue with investing in this type of home loan is many people find yourself repeating their same improper habits and run up more credit card debt.
Credit guidance
Bankruptcy is on the minds of numerous people simply because they don’t know very well what else to complete. They should seek the help of your consumer credit counseling want to see if they are able to repair their credit. Professional counseling can instruct you on your particular financial predicament.
Once youve established a connection using a credit counselor youll take a seat and review your entire income and debts. Your counselor will have to understand specifically what your credit debt is, and how many other debts you owe, in order to setup a strategy which works for you. All income getting into your house is going to be totaled up along with your debts will probably be totaled to see what usable income you might have to settle creditors. Your counselor could possibly speak to your creditors and obtain a number of your debt reduced or get you lower rates of interest on your own debts.
Your counselor sets up a debt repayment plan and manage the program to suit your needs along with your creditors. You will pay the counselor one payment each month, and the counselor can pay off creditors. Youll have a payment per month plan you have to match for 3 to 5 years, before creditors are repaid entirely. Professional consumer credit counseling is not free and every agency charges differently. Some have a predetermined fee you will pay while others make use of first payments to use as their fees.
Debt settlement
Debts settlements companies will tell you to stop paying your credit card companies and pay right into a fund each month til you have enough to pay off one of the creditors. A counselor doing work for the debt settlement company will speak to your creditors and obtain lower settlement agreements for your benefit. You will then pay the debt settlement company every month. Funds will establish until one of your creditors encourage whats within your fund like a full payment of your debt. Your counselor will then pay that creditor and you will still pay to the fund to operate off your next creditor. Payments to these companies change from one company to another in addition to their fees will get costly. One problem with this sort of situation is that the creditors could give you bills, and get you to court for your full amount.
Unsecured loans
Consumers who are considering an unsecured loan to pay off their personal credit card debt have to consider the contract details before taking the loan. You can get a personal bank loan without running a home or having collateral for repayment with the loan. Despite having poor credit, a personal unsecured loan may help some individuals. You will pay a significantly higher rate of interest and the interest on a personal bank loan just isnt tax deductible. It is possible to consider the loan using a set rate, meaning a persons eye will probably be due following the word which was set. A revolving credit loan works just like a bank card but posseses an interest rate thats variable. Interest rates are lower then most credit cards but would be higher then a secured loan in places you have placed your property for collateral. It will depend by yourself personal circumstances as to which financing solution is acceptable far better to pay back the money you owe.
Monday, March 17, 2014
Guaranteed Payday Loan Gets You Cash in 1 Hour Or Less
Are you in need of some fast cash and do you need to get it within about an hour or two? Serious financial emergencies occur when you least expect. Whether it is a forgotten bill or car repair, you need money now. Who will be willing to help in these urgent situations? Most people would choose a bank as their first option. Going to a bank for money is possible but there are long lines and even longer approval times to receive money for a loan. A guaranteed payday loan is the most vital source of immediate income available to you.
5 minute Application
In order to apply for a payday loan you must fill out a form online. The application process is simple. Unlike bank loans, that require a lot of information and copies of pay-stubs, a payday loan lender will ask you basic personal questions. This is includes your employment status and your bank information. The lenders have made the system completely clean and foolproof that will enable them to give you a very fast approval. The internet makes this process easy because you do not have to fax any of the information or documents to apply. Once your application is approved the funds will be available in your checking account the same day or the following day.
But you must meet certain requirements.
You must meet the general requirements for any cash advance. The applicant for the loan must be 18 years old or older. The loan is a legal agreement between you and the payday loan lender. Secondly, the borrower must be a resident of the US. Next, you must have a steady job or source of legal employment. This means if you have a job that pays weekly, bi weekly or twice a month you are a candidate for online payday loan. Lastly, a checking account is needed, after approval the money will be wired into directly into your account. You may apply for payday loans, even if your source of regular income is a check from social security or a pension fund.
Cash in 1 hour?
Guaranteed payday loan provides cash availability immediately. From the comfort of your home or office you are able to apply and receive fast approval. There are no long lines like the bank will have. Also, there is no need to search for pay-stubs or bank statements the lenders receive all the information needed through the info you provide in the form. An online process that take 5 minutes or less on your part will help you in your financial crunch. The approval time normally takes 2 hours.
3 things to watch out for.
There are thousands of sites ready to hand you and application but very few telling you what to watch out. There are 3 things that will help your evaluate the online lender agreement. The reason you must understand, is during the repayment period people can dig a hole of debt. First thing, understand what the loan is and what it is for. They are for our emergencies. Second, understand all the fees associated with the loan. Many people are frantic need for money and overlook everything. Luckily, for you have read this article. For the last step I go into full detail on my site.
Sunday, March 16, 2014
Sitter Search Service or Full Service Nanny Agency
What is the difference between using an Online Sitter Search Service and a Professional Full-Service Grandmother Agency?
In general, online Sitter Search Services certainly are venue for communication, without erral agency. These websites are the same classifieds section of your neighborhood paper - but with the most features and options. Discomfort they have no control of the communications between parents and sitters. As a parent to care provider using this process online services you take full responsibility for how you communicate and with whom.
Online Sitter-Search Services simply cannot provide assistance to you youll need for an appropriate care-provider capable job. They are DO IT YOURSELF (do-it-yourself) sites. A ful service erral agecncy, sequentially, for a significantly more fees, may offer a advance of personal assistance to you personally in screening, background checking and selecting a recommended match. Parents who bring the online systems per to do all of their own interviewing and screening and assume every one of the responsbility for performing we can of their care provider candidates.
Online Sitter-Search systems are designed to help parents find caregivers, nannies and other health care providers - primarily students, most often between the ages of 18 and 30 years - who are already located directly to the family.
A Professional Nanny Agency actively works to place professional care suppliers. A professional or career nanny is someone who is at least 18 years of age, with years of reputation, who has chosen to work in neuro-scientific in-home child care his or her profession. They may be recruited from the courner - or from nation wide. In the case at work Au Pair agencies, the child care provider serves as a foreign national student visitng the US all over our cultural exchange risk.
As a "do-it-yourself" environment, the online Sitter Motor optimization systems provide parents having the capacity to quickly locate and contact local sitters equipped with registered through the address. While often a good value for parents, these websites are not necessarily an alternative to the services of a professional Nanny Referral Agency.
Nanny Agencies consentrate on the placement of permanent or long-term child care providers. Professional Nanny Agencies do made the decision hard work for you together with can save you an enormous amount of time (and energy) by giving you qualified candidates from whom is definitely the a care provider that is right for your family.
If your company needs call for the hiring for the permanent or long-term be cautious provider, we encourage you to find the services of a respected Professional Nanny Agency in your place. We cannot recommend or endorse having any Agency or "nanny website" that claims to work "nationally". More often than never these enterprises do little more than pull names of health care providers from other databases. A specialized Nanny Agency conducts all screening interviews RETAIL and documents the applicants interviews and erences, producing available for your report about.
Visit the International Caretaker Association (nanny. org) to identify a Professional Nanny Agency online should your needs scream for that type of lady service.
Nanny Agency fees are diverse, but most charge in the plethora $800 to $1500 of the part-time permanent placement and $1200 to $2500 to somewhat of a full-time placement.
A reputable agency advertisements fully profiled and deatailed checked candidates who are experienced providing pre-screened to meet your distinct needs. A thorough investigation for the candidates background and erences are often worth several hundred income alone. A good agency might not charge you any application fees until they have perhaps candidates that work for you that you wish to interview... and they may not charge any placement fees until an applicant has accepted your career offer. A good agency additionally stand behind their employ a replacement guarantee ranging anywhere from around 60 days to per annum.
Site Reviews:
-------------------
babysitter-jobs. com
Example web sites:
-------------------
SitterCafe. com
sittercity. com
enannysource. com
4inhomecare. com
Agency Directories/Associations:
-------------------
International Childcare professional Asasociation - nanny. net nanny. org
Alliance of Executive Nanny Agencies - TheAPNA. net TheAPNA. org
-------------------
Michael Gerard has could 25 years marketing and advertising experience in the buyer products industry. He is often a past board member in regards to the Alliance of Professinal Nanny Agencies (APNA) and currently is Education Committee Chairperson all around the International Nanny Association (INA). Mister. Gerard is the Executive Director of the two Sitter Cafe LLC acquire Childcare Solutions. Write to get started him at michael ice 4inhomecare dot com.
Is Real Estate Too Risky Or Is Real Estate A Good Investment
Youve probably heard by now that there is never a bad time to invest in real estate. There are just too many opportunities that fall beneath the umbrella of real estate investing. The thing is, not ALL real estate investments are a sound decision ALL the time.
If you are like me, you play close attention to the golden rule that "if everyone else is doing it, go the other way." This couldnt have been more true for flipping properties when the housing market had an abundance of supply and next to no demand. Flipping isnt the only strategy for making money in real estate as its not always the best choice in certain markets, especially if the banks arent lending.
So, what is the best real estate to invest in when the housing market looks so bleak? Now is the perfect time to consider investing in long-term (buy and hold) rental properties. Real estate is the best investment even today for those who plan properly.
Think about how many people actually lost their homes due to foreclosure, largely due in part to crappy lending. So, the obvious now is that there is an insanely high demand for quality rentals, right? If youve got the capital or connections to invest now you are able to find some smoking hot deals in wonderful neighborhoods.
The last thing anyone wants after losing their home to foreclosure is to have to rent from a slum lord. So the key is to find rental real estate that is in liveable conditions. Some might need repairs and thats ok, but its not too difficult to spot deals all over right now.
If youre not interested in the day to day grind of rental investing, you can even hire a property management company to handle the property and its rental for you. They do all the work leaving you to enjoy worry-free real estate investing.
When your property value increases after the market picks up it puts you in a great situation and allows you to consider many more options for your property. Do you want to sell it for a lump sum payday? Do you want to consider a lease option with the tenant? Does it make more sense to you to hold on the the rental income? Congratulations, you know hold all the cards.
Now ask yourself the question, is real estate a good investment? I think now that you know you have some options to explore with your real estate investment you are starting to see light bulbs go off in your head with pretty returns in the future. The key is to find the best investment strategy for the property in the current time.
About the Author:
Thursday, March 13, 2014
Does It Make Sense To Finance A Car or SUV
Credit and financing is a multi faceted matter. Your grandmother may of told you "I dont care the money you earn , I want to know the money you save. Find out in real terms what the vehicle your buy is worth. It is not out of the question that there are different "books" for different purposes. The valuation book that the dealer may show you , for your new car , may well be full bore retail pricing for suckers like you. However what would your bank or credit union say the car is worth , if you took out a loan from them. That is closer to what the real value in the market and on the street. Simply ask your banker or financial services agent in the course of your consumer pre-call research. Extended warranties are they a good idea ? It is certainly a good idea and profit maker for auto dealerships. Stay clear of these as a rule. If the product is not good enough to stand on the automotive manufacturers initial warranty is it a good and adequate purchase in the first place .
Auto dealers have sales and promotions all the time. You can read about these in the newspaper and online. On top of that there are other options available now rather than simply shopping at dealers. Options abound as well in this day and age for financing. You can apply online in many cases for credit and to borrow money for a car. These applications are often from the most reputable of sources or even from the same dealers that you may inquire with personally in that "little room". Why not test the waters confidentially and under less pressure by phone or internet auto finance sign up website.
If one last point can be made - Its you who pays the price not the salesperson or credit app agent. Stick to your guns, insist on your terms until you get the key to your car , the automotive title on your terms not theirs. Its all about money ,and the final total cost to you and your pocketbook.
About the Author:
Saturday, March 1, 2014
Home Equity Loans Or Equity Line of Credit
Tuesday, January 21, 2014
Reader Question Which is Worse for Credit Score Settlement or Bankruptcy
I, like all of the people on here, am stuck in a bad situation and I dont know what to do. I went thru a nasty divorce that lasted 3.5 years and in that time I was a single mom trying to survive. All money I made went to lawyers, a roof over our heads and food. I had to take loans out and credit cards to just buy groceries. Im slowly (I mean SLOWLY!) getting back on my feet. Im looking at $27,00.00 in debt. I thought about filing bankrupt papers but wanted to look into setteling my debts with the CA. Which would kill my credit more you think? It literally has been years since I paid anything. I think last year I paid $50.00 to each company (4 of them) to get them to stop harrassing me on the phone. You seem to give amazing advice! Please Help!!!
Monica
Wednesday, October 30, 2013
It Is Just Me Or People Getting Ruder
The question, however, continued to reside nervously on the tip of my tongue, eager to fly out (particularly just after leaving my apparently mute colleague a fourth voice mail message). But it wasnt until I read Keith Ferrazzis masterful book, Never Eat Alone that I summoned the courage to thunderously and openly inquire, Are people, particularly those in business, much ruder than they use to be?
And Have we become so numb to it that we actually expect - and worst yet, accept it as normal and okay?
I think yes. I hope Im wrong.
Let me, however, step back a bit Why did Ferrazzis book serve as my catalyst?
The short answer is that its just plain good. It is a brilliantly written book simple without being simplistic in the same league as Dale Carnegies classic How to Win Friends and Influence People. And in an age when everyone seems to be a marketing, internet or personal motivation coach its refreshing to read something so balanced and genuinely inspired. Most importantly, however, Ferrazzi reminds us that were not in this alone - people make business happen!
He reiterates what some of us already know. Were all better off emotionally, financially, and physically when we take the time to build thoughtful, intimate (not in the biblical sense :>) and sincere relationships with others. Ferrazzi says that while our personal styles and levels of openness should be adjusted as appropriate, making strong human connections is essential to our well being. I couldnt agree more! This is, after all, what its all about and long overdue advice. Thanks, Keith!
But then it occurred to me. How can you develop relationships with people when they dont call, email, or show up even when theyve promised to do so?!
And Im not referring about those little, unintentional slip-ups that happen to all of us occasionally - like when youve forgotten your Aunt Hildas birthday; or waited until the last minute to send in your wedding RSVP; or failed to send a thank-you note.
No, what Im talking about is far more baffling and egregious. Im referring to the friends who call you one day before your big dinner party and reiterate how much theyre looking forward to seeing you - and then dont show up no explanation, no call, no nothing.
Or how about that real estate agent who promises to get back to you with a price no later than 2 pm, and you never hear from them again?
And what about that old friend or colleague who cant wait to have lunch with you next Thursday and then doesnt return your confirmation calls or emails?
Then theres my favorite youve killed yourself to help someone get something urgent done (usually a boss or co-worker) and even managed to save the day You email the document before the deadline, sure that the recipient will be relieved and grateful. But you never find out. No thank you. No way to go. No nothing.
Or is it just me? Maybe so
I was raised in a home where we were taught to treat everyone with the same amount of respect and kindness. Period. Behavior that didnt measure up to this standard was not tolerated. We learned that the true measure of someones character rested in their commitment to do the right thing - even when they didnt have to.
For example, whenever I leave a hotel room, I wipe off the counters; gather my towels together in one convenient spot; turn off the television, lights and air conditioning; return the iron to the closet; and make sure that all my scraps of paper are where they belong in the trash can.
Why? Because its just the right thing to do (and my mother would probably rise up out of her grave and kick my butt if I didnt :>). Yes, hotels employ a cleaning staff who are paid to clean up after me, but why should they? Its my mess. I was responsible for making it, so I am responsible for cleaning it up even if I dont have to.
I have adopted my parents code and although I sometimes fail, I continually strive to measure up to those standards.
But what does this look like in the real world? It means you 1. Return calls even if its only to say no
2. Honor your commitments if you tell someone youre going to do something, you do it. If you absolutely cannot, you let them know beforehand.
3. When youre asked to RSVP, you do so
4. Say thank you and please to strangers, friends, family members, waiters and waitresses, taxi drivers, colleagues, children, teenagers everyone.
5. Call when youre going to be late
6. Return emails (unless its spam)
7. Welcome people into your home do your best to make them feel comfortable and important
8. Clean up after yourself
9. Value other peoples privacy
10. Honor your parents
11. Respect elders
12. Chew gum quietly
13. Say excuse me when you burp
14. Open doors for others
15. Allow someone with only two items to move ahead of you in the grocery line
16. Respect other cultures, religions, ethnicities and the like.
17. Dont push in front of someone even if youre in a car
18. Share your things
19. Dont act like a pig even if its at an All-You-Can-Eat buffet
20. Dont brag
21. Never litter
Are these rules a thing of the past? Pass in todays fast-paced culture? Old fashioned? Silly? Or am I just imagining things?
But if Im not why? Are we overloaded, overbooked and over committed? Has it become too easy to make excuses? Have we been forced into a every-man-for-himself mindset? Did our parents and teachers fail us?
Or is it that we just dont care because theyre not important. What do you think?
Monday, September 16, 2013
How Lenders Decide Whether Or Not to Accept Home Equity Loan Applications
Everybody would like to know how lenders decide whether or not to accept home equity loan applications. There is difference between home loans, and home equity loan applications. Home equity loans resemble second mortgages, as the homeowner is able to withdraw his equity in the home. This equity is built over years and is better known as capital appreciation. Therefore, a home purchased in the year 2000 for $100,000 would fetch much more than $100,000 by 2009, or even 2005. If the homeowner had purchased the home in 2000 by taking a home loan of $90,000, repayable in 15 years, then substantial amount of that 90,000 is also paid by 2009.
Effectively, the homeowner has both the capital appreciation and the principal repaid forming the home equity that he/she can cash out. Though the equity built in this property may be substantial, lenders allow the homeowner to avail only part of this home equity.
Factors that affect lenders decisions are:
- Age of the borrower
- Borrowers credit score
- Employment record
- Income
- Family size
- Liabilities
- Retirement savings
- Age of the residence
The age of the borrower is an important criterion because home equity loans are repaid over a long period. If the borrower is nearing retirement, then it is unlikely that he/she would have adequate income at retirement to repay the loan amount.
Lenders have a network through which they become aware of borrowers promptness in paying any dues. Therefore, if a borrower has been irregular in repaying home loans or other loans, then chances of lenders rejecting his application for a home equity loan are much higher. Similarly, if the borrower has been changing jobs once too often, then the lenders become skeptical about actually getting their money from the borrower.
Income of the borrower is another issue. If the borrower has enough equity, but does not have enough income to cover any installments on it, then the amount of home equity loan may be confined to the extent that the borrower can repay. At times, this may even be nil. Family responsibilities also affect the lenders decision. Age of the children matters as higher education is costlier, and the borrower may not be able set aside the equated monthly installment as expected. Likewise, if the borrower already has too many liabilities, it might be unwise on the part of lender to lend some more money to the borrower for purposes other than clearing the outstanding loans. Age of the building is important because the borrower may have to show some rental income to arrive at loan eligibility levels, but such income may not be there in future.
Though retirement savings such as 401k and IRA in the United States cannot be brought under bankruptcy proceedings, the lender would still be interested in these savings, as in the worst-case scenario; the borrower may choose to pull out funds from these savings to avoid foreclosure.
This is how lenders decide whether or not to accept home equity loan applications. There are no predefined biases, nor any random selection of applications. All applications are closely scrutinized to identify whether or not the borrower can really repay the loan that he/she is seeking.
For helpful tips on How to Obtain different kinds of Home Equity Loans, visit HomequityLoanHelps.com
Article Source: http://EzineArticles.com/?expert=Jason_Witts
Tuesday, May 28, 2013
Tips and Advice for Selling or Trading in Your Old Car
The problem is that you now have a dilemma. Should you try selling the car to someone in your area? You could post it to online classifieds or place an ad in one of those car selling booklets. Or maybe even list the car on auction sites and see if you get any takers. Or would you rather not deal with any of that and simply get the car off of your hands immediately by trading it in?
This is one of those questions that may take you some time to decide. If youre absolutely in desperate need of getting a new car, then chances are youre better off trading the car in now and picking up a new one. If you have time to spare and want to get a better deal, then by all means try your best at selling it to someone in your area. There are plenty of resources on the web that can help you get the car in someone elses hands while collecting a decent profit as well.
To be honest, most people dont like selling simply because they dont want to deal with negotiating prices. They simply want to get the car for the best price possible! While that sounds good and dandy, its simply not going to happen just like that. People are going to try to get the best price that they can no matter what and its going to take you some time to negotiate a price that youre happy with.
When youre able to walk into the dealership and simply trade in the car, it immediately is off your hands and you never have to worry about it ever again. Sure you wont get as much money for it as you may have gotten from selling it to somebody else, but the car is now gone and youll no longer have that burden. You can hop in your new or pre-owned car that you just purchased and say a last goodbye to your old clunker.
At the end of the day, its really all about what you want to do. Do you believe your car is worth much more than what the local dealers are offering you for a trade-in? Are you willing to spend the time it takes to sell your car? If so, then you should definitely give it a shot.