Anna Lynnn
I just bought a used 1993 Toyota 4Runner from the dealership. Being young, stupid and on a mission, I made a huge mistake of going alone to the dealership. I bought every lie that the dealer told me and the truck is turning out to be a huge money pit. The breaks need to be replaced, the muffler needs to be replaced, there's something wrong with the steering, just everything. I put 3,000 down on it and "financed" 6 thousand. Along with that, the insurance (because I'm a new driver) for full coverage is almost 400 a month. I never knew that it would be this much, and I feel very stupid, as I should. Point is, I made a mistake and now I don't know if I should have them repo the car or if I should try to make it work? How badly would it effect my credit having a repo on it? What all do I have to do for them to repo it? Any help! Thanks
Answer
the best answers to your situation is to go back to the dealership perferrably with someone that has more experience in finance or selling/ buying cars, then tell them exactly your situation. hey you made a mistake of buying this car without knowing how much you can afford and how much you have to put into the car to get everything in "safe and working" condition. and it is their mistake for not putting you into a car that you can afford. any salesmen would know thats not a way to do business and if you talk to the manager OR even the owner of the dealership and inform them about your sales and situation they will surely understand that you need help, now you got their attention let them know you want to sell them back the car and get a cheaper car from them that you can afford. and if you actually manage to get to this point. this is round 2
for round 2 you will now caculate how much you can afford in my opinion for your situation i would suggest a $5,000 car AT THE MOST. reason for that is you only have 3,000 for down you still have to finance the car which will force you to have FULL Coverage which obviously you can't afford for a long period of time and financing only 2,000 is much easier than 6 thusands and interest will be alot less also. now ones you found the car you like in your price range, test drive it make sure you like it but dont show too much enthusiasm!!! then the second thing is look at the carfax! say "show me the carfax" that will allow you to find any known documentations of if the car has been in an accident, any major repairs being done, scheduled services been done or even if the car is a salvaged vehicle or not. if everything on the carfax looks good, now move on to step 3. go KellyBlueBook. go on a computer in their dealership and ask to check on kellybluebook.com input the Make,Model,Year and the condition of that vehicle which most of the time would be "good" or "excellent" condition if you getting it from a dealership, now base on the estimate kellybluebook.com tells you, you should have a good idea of are you getting a deal from the dealership or not. if they selling you the car for 4,500 and kellybluebook says it is only worth 3,000 used from dealer. then you can demand them to atleast match it or get close to it like 3.500. cause keep in mind you still have to pay for the famous TTT "Tax, Tag and Tittle" before the car is yours after u pay for the car. which usually runs at about $1,200. they dont tell u that untill at the end ofcause.
Extra tools to equip yourself with is Autotrader.com go on this site if you really want to bargain with them or just verify if their "deal" is good or not when you search for the same car around your area.
I was young before, i was dumb before. and i wasted money before. we live, we learn. we conquer! no matter what the outcome is, you still learn a very valuable lesson, that is to always do a bunch of research before making any big purchases and calculate your disposable income after covering all your bases. talking to other people first always helps.
keep in your mind that Better Business Bureau www.bbb.org/us or channel 6 news always helps before going to the lawyer advice. you not no dummie this time. you have tools, AND WEAPONS. :)
the best answers to your situation is to go back to the dealership perferrably with someone that has more experience in finance or selling/ buying cars, then tell them exactly your situation. hey you made a mistake of buying this car without knowing how much you can afford and how much you have to put into the car to get everything in "safe and working" condition. and it is their mistake for not putting you into a car that you can afford. any salesmen would know thats not a way to do business and if you talk to the manager OR even the owner of the dealership and inform them about your sales and situation they will surely understand that you need help, now you got their attention let them know you want to sell them back the car and get a cheaper car from them that you can afford. and if you actually manage to get to this point. this is round 2
for round 2 you will now caculate how much you can afford in my opinion for your situation i would suggest a $5,000 car AT THE MOST. reason for that is you only have 3,000 for down you still have to finance the car which will force you to have FULL Coverage which obviously you can't afford for a long period of time and financing only 2,000 is much easier than 6 thusands and interest will be alot less also. now ones you found the car you like in your price range, test drive it make sure you like it but dont show too much enthusiasm!!! then the second thing is look at the carfax! say "show me the carfax" that will allow you to find any known documentations of if the car has been in an accident, any major repairs being done, scheduled services been done or even if the car is a salvaged vehicle or not. if everything on the carfax looks good, now move on to step 3. go KellyBlueBook. go on a computer in their dealership and ask to check on kellybluebook.com input the Make,Model,Year and the condition of that vehicle which most of the time would be "good" or "excellent" condition if you getting it from a dealership, now base on the estimate kellybluebook.com tells you, you should have a good idea of are you getting a deal from the dealership or not. if they selling you the car for 4,500 and kellybluebook says it is only worth 3,000 used from dealer. then you can demand them to atleast match it or get close to it like 3.500. cause keep in mind you still have to pay for the famous TTT "Tax, Tag and Tittle" before the car is yours after u pay for the car. which usually runs at about $1,200. they dont tell u that untill at the end ofcause.
Extra tools to equip yourself with is Autotrader.com go on this site if you really want to bargain with them or just verify if their "deal" is good or not when you search for the same car around your area.
I was young before, i was dumb before. and i wasted money before. we live, we learn. we conquer! no matter what the outcome is, you still learn a very valuable lesson, that is to always do a bunch of research before making any big purchases and calculate your disposable income after covering all your bases. talking to other people first always helps.
keep in your mind that Better Business Bureau www.bbb.org/us or channel 6 news always helps before going to the lawyer advice. you not no dummie this time. you have tools, AND WEAPONS. :)
Is it true that Miley Cyrus died?
� ziv !
Heard on the internet that pop star/actress, Miley Cyrus, died in a car accident. Is this true? I keep getting really mixed, wishy-washy answers. Does anyone know for sure?
Answer
no:Contrary to fast-spreading rumors planted by pranksters on Digg.com and Wikipedia, 15-year-old Miley Cyrus, pop singer and star of the Disney Channel's Hannah Montana TV series, did not die in a car crash on Friday, September 5.
As of Saturday morning, no such accident had been reported in any legitimate news source. The story is a hoax -- and a poorly spelled one, at that.
One version, attributed to "Rueters" [sic], reads as follows:
Actress Miley Cyrus Died in Terrible Car Accident
Teen star of the hit Disney television series "Hannah Montana" Miley Cyrus appears to have died in a tragic car accident in the early hours of Friday morning. The young starlet was on her way to the filiming [sic] of the upcoming "Hannah Montanna" [sic] Series when her vehicle was reportedly hit by a large truck. Witnesses estimate that the colliding vehicle was travelling [sic] at "At least 55mph" and had "Run a stop sign." Although rushed in a [sic] critical condition to Pacific Alliance Medical Centre [sic], the news broke quickly amongst reporters that the teen had succumbed to her injuries during surgery.
A very-much-alive Cyrus performed Friday night at the Fashion Rocks concert at Radio City Music Hall in New York.
no:Contrary to fast-spreading rumors planted by pranksters on Digg.com and Wikipedia, 15-year-old Miley Cyrus, pop singer and star of the Disney Channel's Hannah Montana TV series, did not die in a car crash on Friday, September 5.
As of Saturday morning, no such accident had been reported in any legitimate news source. The story is a hoax -- and a poorly spelled one, at that.
One version, attributed to "Rueters" [sic], reads as follows:
Actress Miley Cyrus Died in Terrible Car Accident
Teen star of the hit Disney television series "Hannah Montana" Miley Cyrus appears to have died in a tragic car accident in the early hours of Friday morning. The young starlet was on her way to the filiming [sic] of the upcoming "Hannah Montanna" [sic] Series when her vehicle was reportedly hit by a large truck. Witnesses estimate that the colliding vehicle was travelling [sic] at "At least 55mph" and had "Run a stop sign." Although rushed in a [sic] critical condition to Pacific Alliance Medical Centre [sic], the news broke quickly amongst reporters that the teen had succumbed to her injuries during surgery.
A very-much-alive Cyrus performed Friday night at the Fashion Rocks concert at Radio City Music Hall in New York.
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