Posted by Mark - IN. on December 02, 2015 at 14:06:14 from (104.240.220.75):
In Reply to: Trading cars posted by Case e on December 02, 2015 at 07:44:58:
I'm not good at that stuff either, but my advice is to be careful. My brother's daughter was just in an accident a month or so ago with an uninsured motorist that ran a red light and hit her and her fairly new car was totaled. Problem is that she owed something like $15,000 on the car, but the insurance company said that the car was worth $10,000 and that's all that they paid. Her bank got a check for $10,000 from the insurance company and she still owes them another $5,000 just to break even. It's one of those kind of deals that one of my sisters and her husband just got themselves into and don't realize it yet. 0 down, 0% interest until ???, and 0 first payment until ??? came back and bit my niece and if my sister and her wheeling dealing husband aren't careful and get into a totaled out accident, they too will get bit. Thanksgiving dinner at my house the other day and I go out to the driveway and see a new car that I've never seen. All of the other cars I recognize and know who they belong to, but there is a new one that I calculated must belong to me sister and BIL, so when I get inside I ask, and they say yes, its theirs. OK, no big deal, nice car. My BIL starts in with most people don't know how to wheel and deal, trade and the sort, but he sure does and did. Said he went into a dealer and told them what they were going to do for him and how they were going to do it, and if they didn't he would just leave because he didn't need to be there. So when all was said and done, he got a newer bigger car and his monthly payments are $50 less, all with 0 Down, 0% interest until ???, and 0 payment until ??? I didn't say anything because he's a real sharp guy and my sister's husband, but that's the same deal that has my niece still owing $5,000 to the bank on a totaled out car that the insurance company paid $5,000 less than she owed because that's all that they said it was worth.
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