I like to try new things - so here goes. I am a mother of five and grandmother of five soon to be six. It has been a long time since we have had a baby around.
My son is 38, people marry much later these days. He met a girl from the philippines. She is a real sweet girl and the whole family loves her.
They were married here in the states and he people came for the wedding.
more later
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Local Yokel Auction is Announcing its New "20/20 Guaranteed Store …
PR Web (press release), WA - Local Yokel Auctions intends to give all the online auctions a run for the money. First was the 50% fee sharing program, and now introducing the new "20/20 … |
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US Retail E-Commerce Growth Slows to 1 Percent in October as …
MarketWatch - Retail E-Commerce (Non-Travel) Growth Rates by Income Segment Excludes Auctions, Autos and Large Corporate Purchases Aug-Oct 2008 vs. … Online sales growth in October slowest on record Grinch on the loose as online spending stall |
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Bargains Galore during Extended Happy Hour Auctions at eBID.NET
CaymanMama.com (press release), TX - In the run up to the holidays, online auction site, eBid.net is giving bargain hunters the chance to snap up the best deals from the comfort of their own … |
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Looking to Stretch Your Dollars This Holiday Season? Look No …
MarketWatch - Although the SCAA specializes in the Southern California marketplace, public demand for live and online auctions has allowed this 50-member association to … |
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Internet sales way for towns to save a buck
Scarlet Scuttlebutt, NJ - Online auctions also can reach a much broader audience; Sayreville drew bidders from places as far-flung as Pennsylvania, Virginia, Georgia and Florida. … |
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Outcry goes out of fashion as tea auction goes online
Economic Times, India - KOLKATA: The Tea Board on Wednesday kicked off e-auction, paving the way for putting an end to the age-old ‘outcry system’ in tea auction which started back … |
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find great bargains at online auctions today
BigNews.biz (press release), MA - No matter what a person is on the hunt for, an internet auction is likely one of the best places to turn. The advantages to shopping online auction venues … |
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The New 20/20 Guaranteed Store Program, Guaranteed Sales …
24-7PressRelease.com (press release) - "Local Yokel Auctions intends to give all the online Auctions a run for the Money. First is was our 50% fee sharing program, and now introducing the New … |
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Iron Planet sets up in Europe
KHL Group, UK - IronPlanet conducts online auctions in the US, Canada and Australia. A worldwide audience of more than 14000 participates in the US auctions, according to … |
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Online bid lets teacher see broadcast up close
Hattiesburg American, MS - The online auctions, which have been held all season, are an attempt by the athletic department to show fans a different side of the football program. … |
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Ritchie Bros. attracts thousands of bidders to auctions in new and …
SYS-CON Media, NJ - "Our online bidding service is a great supplement to our live auctions. It attracts more bidders to the auction, helping our consignors sell their surplus … |
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How to Snag Those 50-Baggers
Motley Fool - Many people probably scoffed at the idea that online auctions would ever amount to much. But those who saw the promise and invested in it were generally … |
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iGavel Presents Everard & Company Fine Art, Antiques and Art Glass …
News-antique.com (press release), NY - About Everard & Company- Everard & Company has operated from Savannah, Georgia since 2003 and holds fully catalogued online auctions on iGavel.com … |
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If you like this post, please buy me a coffee for $3 8-)Canadian auto dealers are promoting
But here’s a good rule of thumb for anyone in the market for a new car or truck: If you can’t afford to pay off your
You’ll almost certainly regret stretching your payments out to six or seven years. That kind of financing can easily launch you into a never-ending cycle of auto payments.
As Jack Nerad, executive editorial director and market analyst for Kelley Blue Book, puts it: “Be willing to get what you can afford or you’ll always be in debt.”
Here are the six reasons to avoid extra-long auto loans:
Reason 1. You’ll pay thousands more in interest.
Longer loans have higher interest rates and you’ll be paying that higher rate over a longer period.
For example, a Cadillac CTS at $34,000 in a 60-month loan at 7% interest will cost you $673 a month. Over the life of the loan, you’ll pay about $6,400 in interest.
The same car will cost you $560 a month if you get an 84-month loan at 9.7% interest. (Longer loans always charge higher interest rates.)
But by the time the car is paid off, you’ll have spent $13,000, or more than twice as much, in interest.
The interest you pay on an auto loan is not tax deductible, so there’s no benefit to you.
Reason 2. You’ll probably want a new car before the current one is paid off.
Dealers typically use long-term loans to squeeze buyers into luxury cars, big pickups and full-size sport-utility vehicles that cost $30,000 or more.
While those are very nice rides, the experts at Kelley Blue Book say most drivers still want to get a new car every three to five years, or about the time vehicles begin to need more extensive, not to mention expensive, maintenance.
With an extra-long loan, however, you’re still years away from getting the pink slip.
Reason 3. You’ll be upside-down on your loan most of the time you’re paying it off.
Though you’re reducing your debt slowly, your new car or truck will depreciate quickly — losing 20% to 30% of its value in the first year alone.
With a 60-month loan, it’s not uncommon to owe more than your car is worth for the first couple of years. With an 84-month loan, you’ll be in that unenviable position until your sixth or seventh year of payments.
Let’s say you take out an 84-month loan on a Toyota Highlander. At $28,225 and a 9.7% interest rate, you’ll still owe roughly $18,400 after three years. Try to trade it in and the dealer will give you $15,000, if it’s in good condition.
Or what about the Cadillac CTS? If you kept it for five years, you’ll still owe $12,155 but can only expect to get about $10,500 when you trade it in.
Reason 4. You could still be paying for your car after you get rid of it.
You’ll have to roll the difference between what you owe and what your car is worth into the loan on your next car.
Using our two examples, you’ll have to carry over $3,400 in debt on the Highlander and $1,655 on the CTS.
Car payments would become a never-ending drain on your budget, and the extra debt would make it that much harder to afford the payments on your next car. You could easily be forced to trade down to a less-costly model.
Imagine how you’d feel driving around in a RAV4 or Chevrolet Malibu while making payments worthy of a Highlander or CTS.
Reason 5. The other options aren’t all that great, either.
Of course, you can get more for your car or truck if you try to sell it yourself. You may even be able to command a high enough price to cover your note. But if you can’t, you’ll have to make up the difference out of your pocket before your lender will release the title.
Either way, you won’t reap the financial rewards of buying a new car — paying it off and going a year or two without payments, or selling it and having money for a down payment on your next vehicle.
To obtain any of those benefits, you’ll have to stick out even a
Reason 6. If the payments don’t kill you, the operating costs will.
Many buyers tempted to use long-term loans are so fixated on the payments that they don’t take into account how much their expensive cars and trucks will cost to run.
Filling up a big pickup or SUV typically costs $70 to $90.
And finally, the economy is slowing down, making this a bad time to be taking on more debt — especially more debt than you can really afford. Look at the big picture. Layoffs, pay cuts and other financial problems could be on the way. One critical step in preparing for a recession is to be conservative in your spending.
By Debbie Reinheimer
Interest.com Contributing Editor
Have a question about cars or your finances? Ask us at editors@interest.com.
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Daniel Cooney Fine Art Emerging Photographers Auction Presented by …
PR-CANADA.net (press release), Montenegro - iGavel.com is a leader in online art auctions, offering collectors and dealers high quality fine art, antiques and collectables guaranteed for authenticity … |
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'Galactica' gear will be auctioned
Fresno Bee (subscription), CA - Thousands of one-of-a-kind props, set pieces and costumes will be sold to the public through a series of live and online auctions. … |
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New Auction House in two languages German LANGUAGE & English LANGUAGE
Presse Mitteilung (Pressemitteilung), Germany - “It is at the time that on-line auctions for the salesmen do not become the financial hurdle run and them to fear to have that its products are auctioneered … |
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Jeff Gordon Donates Eldora Firesuit for Online Charity Auction
PR Web (press release), WA - At press time, the EA Sports NASCAR 09™ firesuit had a high bid in excess of $2000, with less than a week left before the auction closes. The online auction… |
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Plum Cove auctions off jackets from 'Deadliest Catch' jackets
Gloucester Daily Times, USA - In addition to the jackets, the online auction has more than 100 other items benefiting the school. Those interesting in bidding can find them at … |
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