All Forum Posts by: Dwayne Hirsch

I did auto loans in the Chicago area for several tears and typically, you would not want to refinance a car, its a bad idea, and even then, having a bank to do it is another difficulty altogether. My advice would be;
1. To buy a new car with a sizeable rebate that will eat up some of the negative equity and put the rest down.

2. Buy a late model used car with maybe half of the 10k down and finance the rest into the newer car, this leaves you upside down on the newer car, but it may be a better situation than the current one.
You usually cant get out of this without paying some money out of pocket and the better your credit, the better you will do.

Also, make sure the dealer is giving you what your car is worth in Actual Cash Value (ACV). This is where dealers can show you one value and give you another. Dealers make tons of money by undervaluing your trade and upselling it to the next client. Get values from Carmax or other sources and always demand to know the ACV of your trade with any dealer. I hope this helps.

Simply put Christy, that was a very relevant and insightful post and it addresses a huge problem in our business. This is a lesson that everyone needs to learn. Greed kills as much as speed and its critical that people understand this. Thank you.

Interesting perpective and it makes perfect sense. The only thing that I would say to everyone regardless to who you voted for or will vote for is this; the elctions are always like voting for Lucifer or Satan, its the same BS by a different name or party. Big Brother will be big brother and there may be nothing we can do about it, but the big question is where is this all going to lead us? Where will we sit in history's eyes 100-200 years from now as we are compared to other historical societies that were the most advanced and best equipped of their days? Today and tomorrow we are ok but where will all the BS lead us in the future. I think both parties are full of it and we have a system where every takes lines of policy that fit with party philosophy and not always moral or social truth and right. What nation has ever overcome the clandestine control of its government to hold eternal or lasting power on this planet? If anyone knows one please mention.

Whether it is nuclear or not, Iran does not have a bomb that can reach the United States and if this video link shows me anything is that Israel is very capable of defending itself. One reason that the US did not know about this attack on the reactor is because Saddam got his ambition and much of his technology from us as well as the French. There very well may be a threat to them, but why do we have to take a threat to them as a threat to us?, especially when they are so very capable of kicking butt. Whe your little brother gets picked on, you have to make him fight sometimes and prove himself. Again this is a high stakes game being played way over our heads.

P.S. The Mossad is a very serious agency.

Crpntr, if you can see that he is not a real threat, then so should our esteemed President and his Cabinet, and they should stop beating the drum of war and pissing people off. Its not the President of Iran, its the people in the region who may have had moderate views who become anti US in the process because they come to see us as trying to bully them. There is no "move" for him make and Bush knows it, and they need to stop lying to the world to make us think there is a threat.

You are a gentleman and a scholar. Very few realize the "business of war" and the profiteering that goes on during negative circumstances. Its an unfortunate bi-product of capitalism and has always gone on. When some type of disaster occurs, be it natural or human, there is always someone there to make money from the extension of the circumstance. The extension of grief and mourning or the extension of a war benefits the greedy. We need to bring em home and stop the madness or maybe they will wait until they find a way to profit off bringing them home.
The idea of another war is absolutely insane considering the debacle that we are in now.

Adam, remember when you were in school taking algebra or trig., or some subject that mey have been a challenge and a student would ask "why am I learning this, I am not going to need this for what I am going to be in life!!"? The reason why math applies to everything in life is because at the root, its about adding and subtracting not just numbers but facts.
When you add for instance the things that were said by people like Richard Clark, and others in the administration that left and came out against the President, the "bad intel" on WMDs, the shifting of story lines and purpose(Wmds today, regime change tomorrow, then liberation of a people who we found out didnt want us there), It leads you to suspicious conclusions. Every math problem has a way to check it so by viewing the vast array of info available on the web and foreign news etc., we can come to true conclusions about whats going on.

Yes, its all what someone wants you to know, NBC, ABC and others are a part of the whole info control cylce. In spanish the word "media" means the midpoint or half. The media sits in a buffer zone of info between us and the government and always has. If you watch Fox News, Beltway Boys and Brit Hume, the pundits that come on and help shape the opinions of the news we see mostly subscribe to the neocon philosophy. William Krystol, Fred Barnes, Krauthammer and Kondrake are all neocons yet you never hear them say it openly. Goto their websites and you will see it. This is news that sets out to create and foster
opinions that coincide with the government interests i.e. "state run media" in diguise.
You have to read the so called "conspiracy theorist" info and sites and not think that they are wrong just because they are in opposition to the official position. There are some positions that are very compelling. I also read foreign news and sites to see how the stories they put out compare to ours, in many cases, that will raise hair on your neck.
Based on my math, we are in deep trouble and it will take truly righteous leadership to get us out. No nation in history has just been able to DESTROY all of its enemies and keep up their rule. The history of the Romans is very much like our own.

I agree Adam, survival of the fittest bully. I remember as a child in school seeing how smart and fearless children dealt with big, strong bullies. They would allow him to tune all his energy into his latest conquest and then attack him when he is tired from a fight. Has it occurred to you that right when we have strecthed ourselves to our limits chasing oil in the Middle East, that that will be the time China, Russia and even North Korea may decide to give us a real test. Not just a military test, a policy test where they take what they want from someone or even us and dare us to do something about it. Dont think these nations with the histories that stretch back thousands of years are just so content with America being the world leader. They are waiting for time and our arrogance to give them the chance to rally up and challenge the dominance of this great nation. We have to stop thinking that our ship is unsinkable or we may just be a great Titanic headed for an iceberg.

I agree for the most part and I think you have a mature understanding of him. I believe that he is being honest and many will shoot the screen for me saying this, but I find him to be more verbally and historically astute than our President. This doesnt mean I am on his side, but our man cant tell a joke without reading off a sheet of paper. Even on issues that he has discussed and had a thousand meetings on, he always is reading from paper as if he is not thinking for himself.
For years we have gotten caught up in the perception of other leaders as keystone leaders like Khadafi (at one time), Saddam, Noriega, Aidid (Somalia) and others. He was right to say that Saddam was given Chemical weapons to go against them. Surely we cant expect them to be happy about that. We kicked out Saddam for having the same weapons that we gave him to use on them and we still found nothing.v Remember the footage of Rumsfeld shaking Saddams hand in the Reagan years? They were in agreement on something. He is exposing hypocrisy.

With respect to his leadership and the potential economic, and physical ramifications of a war with them, I can tell you that I am not for it. Our policy even toward nukes has to be more even-handed. India has them, Pakistan has them, Israel has them and even Brazil is getting ready to start, not to mention China and Russia. Our policies towards these nations has to be even, everyone have them or no one does, because I dont believe that everyone that has them will or could use them against us. North Korea has been said to have one that can reach the west coast, but we are not jumping to wage war with them, why not?

Too many questions and not enough answers to justify a war.