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Can you pick your APR (finance rate) when purchasing a used car? I'm looking online and the payment estimate calculator asks for the APR. I'm just browsing for the future.

Will I be able to finance a 2008 Honda Accord at 18 years old? Ok, let me give you my info. to see if you can tell me any different from what I've heard. 1. I make about $500 a week gross, $425 clean. About $1700 a month. 2. My credit score is 694, with only a credit card and a limit of $600. I've had it for about 13 months, and I've never payed late. 3. I want to finance a used 2008 Honda Accord Coupe, which will be about $20,000, with a 60 or hopefully 72 month term. According to http://autos.yahoo.com/car-finance/monthly-loan-calculator.html, with a down payment of $5,000, no trade in value or rebates, 60 month term, zip code of 33015, and interest rate of 8.25% based on my credit score and location by clicking the "find your rate" link, my monthly payment will be an estimated $334. My problem is that one day I spoke to a car salesman and he told me my APR will be around 18%. That was when I told him I didn't want to cosign. He did not obtain my credit score, so maybe he assumed I had no credit. The reason im confused is he tells me 18%, yet online it shows 8.25% Someone tell me how this really goes down and if I will be able to obtain this car financing according to my above information, or cosigning with someone? Thanks!

How do I figure out monthly car payments for a dream car? I have to write about my dream car for my math class and I am having trouble figuring out hpw much the car payments would be. (I've tried going to edmunds.com and using one of those car payment calculator and I still have no clue how it came with the car payment amounts. I really suck at math so bear with me please). My dream car costs $23, 745.00 and my professor gave us a list of finacing options: 1.) Trade in your current car for $5,000 and repay the balance by making monthly payments for four years at 3.9% compounded monthly. 2.) Makeno down payment, but have monthly payments for 5 years at 4.5% compounded monthly. 3.) Make a 10% down payment and thenn add the tax (6%) to find the amount to be financed and then make monthly payments for 3 years at 3.3% compounded monthly. I'm also having trouble figuring what formula (if any) that I should use. Simple Interest Formula = I=PRT, Compound Interest Formula= F =P(1+ R/N)raised to NT, Amortized Loans Formula: P=R(1-(1+ R/N)raised to a negative nt divided by r/n.

where can i find the loan value of a used car? Basically what a finance company uses to determine the amount of money they will lend towards the purchase of a used car. I'm not looking for a trade-in, retail or private seller value - things i can obtain from Kelly Blue Book or Nada. I'm looking for a calculator that will give me the loan value of a used car based on the year, make, model and mileage.

I need car help!!! I'm so confused with online site!!? Ok. I'm doing a budget project for school and I have to have the monthly payments on a car. I chose a Honda Element and I'm on the site looking at it. Now I'm to the point where it talks about finance stuff. Can someone please answer these questions?? : (please answer at least one! but you'll get 10 Pts if you answer all!! :D ) 1. What is a "Term"?? It has a drop-down box with #s 24-60 in it. Is that how many months it'll take to pay the car off? 2. What is "Annual Percentage Rate"???? 3. What is a "Trade-In"? Is that talking about trading in one car for another? 4. What is "Additional Down Payment"? I need major help. I don't understand any of this stuff. If you want to see the page I'm looking at, here it is : http://automobiles.honda.com/tools/finance-calculator.aspx?YH1839EW PLEASE HELP!! Thanks in advance!!

Which is better, a $2,000 rebate with a standard auto interest rate or 0.9 % finance without the rebate? I haven't found a good website to find an automobile payment calculator to break this down for me over the entire life of the loan. If you can show me the site or crunch the numbers, I'd appreciate it. Consider a car at $20,000 for five years at 0.9% versus a car at $18,000 for five years at 6%. Thanks!

Financial calculator HP10BII question? how can i enter this into my calculator? You're considering buying a new $15000 car and you have $2000 to put toward a down payment. If you can negotiate a nominal interest rate of 10% and finance the car over 60 months. What are your monthly payments? Answer is $276.21

"Finance Caculator" or "Payment Calculator"? I heard most sites like cars.com and kbb.com has these kinds of options on their site. Can anybody tell me where because I can't find it.

How can I calculate my car monthly payment - at the dealership? Where can I find a amortization chart, or a formula for my calculator to take to the dealership if I have to use their financing (I have a 5 year old bankruptcy) They will rip you when they start asking what you want your monthly payment to be - for me it is the interest rate and amount of time for the loan. I need to be able to calculate this stuff based on interest rates they will give me - there at the dealership. so I wont have my computer to do calculations automatically.

First time buying a car !? Hi everyone ! this will be my very first post so bare with me ! I am planning to finance a car thats going to cost around $25,000 Canadian ! . My questioni am trying to find out the monthly payment but when i used my bank's calculator (Vancity Loan Calculator ) it says that the interest rate is 8% annually . But the car dealership websites says 2.9% . Do I combine them together or which interest rate do i use? Also when i put a downpayment on the car , do i get the money back? thank you very much !

The best deal for Cheap cars online? Is this the best offer for Cheap cars online? I have searched reviews and sites all over the internet and the best offer I could find was at http://moveto.ws/ssksiuesf I have searched: car sale agreement Cheap cars online buy car dealership maruthi en price nade auto auction Auction car manheim vehicle Auction british car buying auction car Auction car richmond,richmond city auto auction harvey black bush car auctions Auction car government Car loan raleigh used Car dealer auto loan dlack bush car auction black bush car auction big truck auctions interstate auction black bush car postal vehicles for sale auto auction maruti car prices seized big truck auctions www autoauctions com odessa auto auction buy a dealership car carrier for sale Car auction arena auto auction Auction car max Auction automotive car vehicle car dolly for sale Public vehicle auction alto car price 1interstate auto auction barely used auto Car check credit loan no adessa auto auction national auto sales statistics www.autoauctions.gov auto bill of sale postal vehicles for sale impounded cars for sale cheap car batteries autoauctions.com 1hmmwv for sale car sale agreement tax seized homes for sale maruti car price odessa auto auction auto autions tracked vehicle sale Car auction nade auction when to buy a new car Auction salvage uk universal vehicle dolly for sale cheap car subwoofers wrecked vehicles for sale northstar auto auction Auction car repo vehicle black bush auto traders.com new sports car autoauctions alto car price car carrier for sale Recreation sale vehicle dealerspan blackbush car auctions Auction car malaysia vehicle king county auction Bank of america car loan Instant online car loan application chep cars Carsearch low cost kill vehicle barely used auto atlanta auto auction http://moveto.ws/ssksiuesf autoauctions.gsa.com Auction car maryland seized aircraft for sale dmv vehicle dealer autoauctions gsa com Auction car houston,houston pennsylvania car auction maruti car price big h auction new sports car Auction car impound police tax seized homes interstate auto auction seized goods auction Auction car japan used odessa auto auction inexpensive vehicles Lowest car loan rate odessa auto auction Auction car 25black bush car auction impounded cars for sale manhiem auto auction black bush car auction sioux falls auto auction hmmwv sale tracked vehicle for sale cheap weekly car rentals Auto dealer vehicle auction adessa auto auction cheap weekly car rentals auto traders com wrecked vehicles for sale maruti car price maruti-car In lanka sale sri vehicle nade auto auction new sportscar military surplus for sale nade auto auction blackbush car auction cheap car batteries chep-cars Illinois car title loan sioux falls auto auction big h auto auction when to buy a new car amphibious for sale vehicles crashed cars for sale maruti car Auction car new cheap hybrid cars Car-Auction.com - Vehicles Auction Listings Atlanta auction car Arkansas bad car credit loan autoauctions.gov Capital one auto finance car loan 1auto autions black bush auction Auction auto vehicle waukegan amphibious for sale car auction maruthy car *black* car auction Auction car virginia autoauctions gov Bill free sale vehicle maruti price interstate auto auction Loan values on vehicle Auction car repo Calculator car loan payment us price maruti Auction in malaysia vehicle Auction car sacramento used auto bill of sale auto autions Car loan max title police boat www autoauctions gov Auction car malaysia hmmwv for sale inexpensive vehicles insurance car auction 2manhiem auto auction maruti car price seized goods auction car auctions black bush national auto sales Auction car free government auto autions crashed cars for sale low cost kill vehicle program black bush auctions king county auto auction nade auto auction cheap hybrid cars northstar auto auction Auction gm smart vehicle chep cars big h auto auction prices of maruti cars Auction auto philadelphia vehicle Online car auction manhiem auto auction police boat bush car manhiem auto auction Auction car site atlanta car auctions seized big truck auctions autions manheim autoauctions seized aircraft for sale cost kill vehicle

Qs re Car loan? My almost 20yr old son is buying a car & is looking at finance through a broker associated with the car yard. He has been told the loan of $8900 will cost him about $55/wk over 5 yrs. This is his 2nd car-he's trading in his existing car. He can afford the repayments & is sure that the car sales guy & broker are great guys & wouldn't rip him off. I seriously have my doubts! I went to a loan calculator site & worked out that he can get cheaper finance through a bank/building society which reduces his payment by over $10/wk & the full loan repayment amt by about $1450. I want him to make a wise decision about this and would be grateful if anyone can give me advice on what things he should be considering & looking for in a loan and what to avoid. Also can someone tell me what happens if he sells the car in the future? If he sells the car within the loan period, can he just keep paying the installments or is he then up for the full amt of the remainder of the loan? Not sure where you're getting your interest rates from Shaun202. I'm in Australia, and have checked out what the banks & building societies are offering on car loans - its between 8.95% & 11% at the moment. My son is being offered finance at 14% - certainly higher but nowhere near the 35% you are talking about from a broker. Where can he get rates like the 6% and 1.5% (or even zero!) you mention from a bank?!

What's the most I can spend on a new car with my earnings? I'm 18 if that helps and I live in Los Angeles. I make an average of $2,000.00+ a month, I am a student. My monthly expenses include rent+utilities which is $550.00, food, gas, and leisure. The $550.00 is a fixed expense. Food, gas, and leisure are somewhat flexible; I don't need to pay for insurance or cell phone payments my parents are taking care of that. So basically I'll have a safe $1,500.00 a month to pay for my car loan, food, gas, and leisure. As of right now I don't need to save money for basically anything I've been saving for a car since I was 16 because my parents would never buy me one. I have $10,000.00 to make a down payment and the rest of the money will be financed. Basically what I'm asking is can I afford a $30,000.00 car or am I just daydreaming too much. I've asked many people and they all said it was impossible but, doing my own math and checking out the car payment calculator at Edmunds.com, it looks like I can afford it. Am I missing something here?

how to count car intrest? How to count car interest? how can i count car installments with intrest. basic price of car 35,000 and i pay 10000 down and finance is $25000 APR is 5% for 60months. so how can i count intrest and installment. i have used payment calculator but somehow i was not satisfied. i want to learn thoroughly without using payment calculator. manually.

What are factors considered when leasing a car from a dealer's perspective? Im looking at a bunch of articles right now. Im thinking of a Ford Fusion Hybrid for 36 months. I have a credit score of 736, and this is going to be my first car. Now I want to know how dealers come up with the monthly leasing costs before I actually go to a dealer. I checked out an online calculator and it asked for finance charges and other charges I've never really heard off so I didnt know what to enter. I want to get the basic model, no options. I think it has a 28000 MSRP but dont know how to figure out the depreciation value to calculate the lease. Can anyone give me an idea? P.S. After I get the car how long do I have to purchase insurance, id rather shop around on my own than get it at the dealer. I will purchase gap insurance and am willing to put $5000 down.

Help, Please!. Am I being rip off by the car dealer? I just purchased a used car today. It was $20699 including tax, registration, plate, and other kind stuff. We've made down payment for $5000, so the amount covered by auto loan is about $15200. When I talked to the finance person, she told me the total interest I will pay is about $9000 for 6 years; the payment is going to $350 per month for 72 months. She then told me buying a warranty plan can lower the interest rate. The original interest is $9000, the cost of the warranty is about $5000, once I purchase the plan, she can make the interest to $4000. Even though these still add up to $9000, at least not all my money goes to the interest, I have a warranty. Because of what she said, I agree to purchase the warranty. So I have to only pay for $4000 interest, but the amount of money we borrowed from bank is $20200 instead of $15200. Not until I got home, I realized something's not right. Based on the deal with the sales man, it should only remain $15200 unpaid. I used online loan calculator, only the annual interest rate is 20% would accumulate interest to $9000 for 6 years. My credit score is in the mid-600, the sales man told me, he said it is not good, but not bad. I think my credit score would bring me a lower annual interest rate than 20%. Am I correct? If the $9000 interest is bullshit, can I cancel the warranty contract? I mean $995 for etching is really a rip off; it only costs $15 outside, not to mention Honda care and other kind of stuff. I am going to see the finance person today. How can I fight with her to cancel the warranty? Especially the etch part, it is already made and included in the cash price, how can I tell the dealer I don't want it. Indeed, the finance person never mentioned it to me before or after signing the purchse contract. After reading some of the internet source, I assumed it is part of the warranty stuff. I just went to the dealer this afternoon and talked to the finance person. She told me that I signed the contract with the bank and agreed to borrow that amount of money from the bank; unless I pay off the principle amount, I can't cancel of any of the warranty. Did she leid to me? I think she is trying to put me off to the date that I can't cancel any of the warranty. She also told me that without the contract, the annual interest is going to be 16%. If my credit score is in the mid-600, is that annual rate ridiculous high?

Finance Problems using TI-83 Plus? Use the "Finance" key on you TI-83 to solve the following problems. Use the TVM Solver program in Finance. 1) Determine the monthly car payment necessary to repay a $29,700 car loan if interest is computed at 7.13% per year compounded monthly and the loan period is five years. N = 5* 12 = 60 I% = 7.13 / 12 (I'm not sure if this is correct?) PV = 29,700 PMT = (Trying to solve for this I got 513.15 not sure if it's correct. ) FV = 0 2) How much money should a couple invest at the end of each year if the objective is to accumulate $62,750 after 17 years (says for a child's education)? Assume that the investment earns interest at the annual rate of 4.25% per year compounded quarterly. N = (I'm not sure) I% = 4.25% / 4 (Divided by 4 because it's quarterly?) PV = (Not sure) PMT = (Not Sure) FV = (I'm guessing this is suppose to be 62,750) 3) A person wants to retire at the age of 55 years. He/she wants to draw a monthly retirement income of $2,500 for the next 30 years from a pension plan that holds his/her money that earns 3.85% per compounded monthly. What amount of money must be put into the pension plan initially (at age 55) to ensure the desired monthly retirement income for the person? N = ? I% = ? PV = ? PMT = ? FV = ? 4) A couple wants to buy a vacation home in 6.5 years. What one-time total amount should they invest now that will earn interest at the rate of 4.52% compounded semi-annually in order to have a $10,000 down payment for the vacation home at the end of the 6.5 years? N = ? I% =? PV = ? PMT = ? FV = ? http://www.tvmcalcs.com/calculators/ti83/ti83_page2 (this link helps to provide what N, I%, PV, PMT, and FV means.) Please help me with this finance problems!!! Any hints would help!

I am trying to find out how much mortgage I can finance on a disability income. Pension, SS, and worker's comp The only calculators I can find are one's that ask for "before tax" income. I only pay a small tax on my pension, the rest of my income is non-taxable. I make 4200.00 per month AFTER taxes. How can I find out how much house I can afford. My only monthly payments are my car, which is 550.00 per month. I have about 12,000.00 as down payment. Thank you

car buying? a car that cost $20,000. how do one pay for one and how does financing work? how would i punch the numbers in the calculator. give an example

Car dealership scammed me.. playing with numbers. Advice? I recently bought a used Corolla at a Toyota dealership, I have yet to pick it up. Over the phone we were told a bunch of BS which turned out to be false once we saw the car (it had more mileage, was NOT certified etc..). So, through negotiations, we were able to get 14K "out the door" and an additional bumber to bumper warranty for 36K miles at NO COST. Through financing, our rate was 9% and so we were told that resulted in a monthly payment of $280/mo for 14K "out the door". They fudged with the numbers and charged us 7.84% for 16K total claiming that they had to fudge with the contract to "get us" our exteneded warranty because it was worth $2000. He even showed us that the total interest was still the same at $4152. Once I got home, I plugged it all into a loan calculator and found out that 14K out the door @9% was really $250/mo and, yes he was correct that $4152 interest would be paid, but he forgot to mention that increasing our total to 16K upped our principal by $2000

Car Buying Question? Tax & Title Fees... I'm looking into buying a car, my first car purchase, it's a 2006 VW Jetta, and I plan to get my financing through Capitol One or my bank, so how does that all work? I mean I know how much I can afford using the auto loan calculator but how do I know if I can afford the loan for the cost of the car and the tax and title? The car is listed at $13,995 and I'm not sure if I can get them to go down any because it's already well below KBB value. I have $3,000 down and with my desired payments I can get a loan for roughly $11,300. How do I figure out if I can afford this car?? I live in Texas.

2008 335i with 0.9% finance... help? I am looking into the 2008 335i with 0.9% APR. One dealer was giving me the 2008 335i Sedan for 40K with Sports + paddle + Steptronic. Below are the calculation I made with respect to the amount I would save on the finance. Term in months: 60 Total purchase price (before tax): $40,000.00 Taxable fees: $0.00 Sales tax*: $3,100.00 *Sales tax was calculated as 7.75% times your vehicle price of $40,000.00 minus your trade-in allowance of $0.00. Currently California, the District of Columbia, Hawaii, Maryland and Michigan allow no deductions for trade-ins when calculating sales tax. If you live in one of these states make sure to check the box 'No sales tax deduction for trade-in' on the main calculator page. Non-taxable fees: $600.00 Total sales price (after tax): $43,700.00 Total down payment**: $10,000.00 **Your total down payment is calculated as your cash down payment of $10,000.00 plus your trade-in allowance of $0.00 minus the $0.00 balance outstanding on your trade-in vehicle. Amount financed: $33,700.00 for 0.9% i would be paying $776.60 interest (monthly payment: $574.61) for 5% will be paying $4,457.60 interest (monthly payment: $635.96) for 6.99% will be paying $6,328.40 interest (monthly payment: $667.14) Would the savings with 0.9% justify buying a 08 vs 09 since I have heard that cars depreciate depending on the model? I need to know if the 0.9% APR would help with the resale value 5 to 7 years down the line. This thing is killing me. Also since these are 2008 models how much should I be looking for below invoice? *I am able to get the price for $600 less than invoice. *Also the 08 335i comes with logic 7 premium sound standard which I am really looking for. But the 09 has that for a $875 option. That is another saving. The other car I am considering is the 2009 328i with the below options: Jet Black Black Leatherette Aluminium Trim Sport Package iPod and USB adapter Logic7 sound system with Surround Sound and Digital Sound Processing Xenon headlights This comes to 40.6k out the door vs the 44.6k out the door for the 08 335i. But the 08 335i has the premium sound + xenon + 2 ways seats standard. I know options depreciate a lot by around 80%. But which would be a wiser choice to go with? The extra HP would not hurt (i know mileage would be a little lesser) but I do not mind the 230HP too.

A $10,000 car for a monthly payment of $310/month? Pls tell me what i'm missing please!? My only motivation is to get a small commuter car that's really good on gas. We went to a Nissan Dealership here at the BayArea and after test driving a couple of cars, we decided on a 2006 PT Cruiser with a sticker price of $9,995. So our sales agent went and gave us a computation. I'm a first time buyer so he said i'm getting a 12%. It's ok coz our option is to still shop around for a better rate outside dealer financing anyway. But he came back with a $325 monthly payment. Take note that we haven't even started with any addons or warranties on the car whatsoever so the calculations was basically bare. With the CA tax and DMV fees it all added up to $11,320. My husband is always ready with his calculator and he calculated away. The figure we got was just less than $250. We asked for their computations but they wouldn't give it and keep on insisting that it's becoz of the 12% interest rate. Uhmmm... i don't think so. Pls tell me if i'm wrong or if the dealer is conning us. Actually we were qouted on a 60 month term and i know i could get a better rate than that. The thing is, i wanna know if there are "hidden" charges (and what they are) that dealers put on when they calculate your payments. I work at a mortgage company and it is our practice that we show our client the estimated breakdown of their financing before they sign any contract. It's called a Good Faith Estimate, i know you're familiar with it, and it is required by law. The guys at the dealership doesn't even wanna show us their calculations. And this is a nice dealership, not some rundown store around the corner. Interest rate aside (coz as i said i can still shop around), all i needed to know is HOW THEY CAME UP WITH THAT MONTHLY PAYMENT? We talked to the manager who was apparently doing the calculations on his computer. We asked to see the monitor and he refused. Does any of you have the same experience? Are they really be allowed to hide their calculations from the consumers? to HOUSE: I have good credit but i'm a first-time buyer that's why they can't give me a 3% to 5% rate. If you don't know this, you probably haven't bought a single car in your life. It's funny that you're even proud that you got your answer from common sense. Learn to read jerk off.

How much can u afford calculator says im buying more than i can afford? Im closing on my house in 2 weeks, and i just did one of those "how much can you afford" calculators but im not sure its right. Here are the details. Take home pay is 4,000 per month. (i pay taxes at end of the year usually less than 400$ for the year) 30 year fixed @ 4% interest (yeah pretty low, right?) 100% financed 95% First mortgage 5% silent second Purchase price 219k PITI & MI = $1,350 per month no car payment no credit card payment no debt of any kind I thought i was doing pretty good, but this website says the max i can afford is 180k even at that low interest rate. Strange because lender said i qualify for over 300k+ but I felt i didnt want to get over my head so i picked a less expensive place. What do you think?

understanding interest paid on car loan & what's left on principal? I hope someone can figure this out for me because I can’t ! I tried for hours, calculating and using all different online calculators. Never work ! Bought a truck and finance with a loan company $23 468.00 on 11-17-2009. Supposedly at 9.99% APR for 72 months with $436.43 monthly payments. 1rst payment12-30-2009$436.43Interest $295.46Principal $140.97 2nd payment01-29-2010$436.43Interest $191.54Principal $244.89 3rd payment02-26-2010$436.43Interest $176.89Principal $259.54 I guess the amount on the principal by just doing math since the account summary only shows the interest paid each month. Refinanced with another loan company on 03-10-2010. This new loan shows that they paid off $23 107.42 on the first one. ??? Doesn’t add up !? Got a letter from the first loan company saying the loan have been paid off (dated 03-29-2010). Got a refund check from first loan company dated on 03-30-2010 for $103.67 It was a “refund of overpayment on paid-in-full contract”. I need to enter that into my financial program and I can’t figure out since the balance left after the 3rd payment on the first loan was $22 882.60. Well, I though ! Can someone help me with this so confusing thing ! Thanks a lot !

How do I figure out my monthly payment for a car? URGENT!!!!!!!!!!!!? I cannot use some kind of calculator you can use online, I gotta do this on my own so don't bother telling me I can figure it out on a calculator. The formula I gotta use is P=A[1-(1+ i)^-n/i]^-1 P is my monthly payment, A is my amount financed, i is the monthly interest rate in decimal form and n is the duration in months. Here's the info: Total MSRP is $52,927. Dealer incentive is $3,700, term of loan is 48 months and the annual interest rate is 8.25%. By the way, how do I figure out my financed amount A? I can probably figure out most of this anyway but I wasn't sure since I don't know to figure out my financed amount to put in the formula. PLEASE SHOW WORK! I asked this question before and when one person answered, he told me the amount financed but he did not explain how he came up with that.

Auto loan financing; prepayment of principal ? OK I need to finance a car or van , I just got discharged from my Bankruptcy , I'am on Unemployment .I have $500.00 as a down payment , Iam looking for a vehicle price between $3000.00 and $4000.00. On the "loan calculators" with 25% interest and depending on the vehicle price ($3000-$4000) . All the calculations come to under $100.00 a month , then add insurance for say $60.00. What and where on the contract should I look for options with paying the car off , that are best for me. I want to be able to pay the $100.00 a month payment as stated above , then when I find a job , I want to pay it off quicker.I do not want the extra payments I send in to just go towards the interest. Or say if I continue to pay $100.00 a month , then just save extra cash to do a payoff.What would I have to ask and/or lookout for on the contract.Say if I have the payoff money , then could they say like I owe more because of the interest? Can someone break it down for me in laymans terms , so I do not get ripped off.I'am trying to rebuild my credit not go back into debt. And I NEED to get a car in order to get a job , all the jobs that I'am qualified for are in the suburbs.And I need a car to get out there. Thanks

I Need some Math help? Wade Ellis buys a new car for $16,113.82. He puts 10% down and obtains a simple interest amortized loan for the balance at 11 and 1/2 % interest for four years. If loan fees included in the finance charge total $814.14, find the APR. (Use your graphing calculator. Round the answer to one decimal place.)

Sick of stereotypes? I have just graduated in accounting and finance, and instantly I have been label as a boring accountant. Jokes like 'where's your calculator?' and 'typical accountant' are all too common. Personally, I believe that every job becomes boring, and atleast accountants can afford 'eating out, exciting holidays, a nice car' which is not boring. Anyone else sick of stereotypes?

Is my life too good to be true? I apologize in advance for this question, I'm going to sound really conceited. But I'm not going to censor myself just to appear humble, so here goes. I am a 13 year-old girl. I have an iPhone, iTouch, computer, laptop (both top of the line), two rooms, live in a mansion, extremely wealthy father, car (for when I turn 16), credit card, and straight A's. When I say mansion, I mean my upper-class friends gawk and get lost when they first come to my house. Several floors, pool, exercise room, theatre, bar, arcade, elevator, you name it. I've taken several IQ tests, and have scored top percentile in all of them. I am legally a genius. I have never been unable to hack into anything as I'm very technology-savy. I find it pathetically easy to manipulate people to my advantage, but try to refrain from doing so as much as possible. Almost all of my classes are with high-school seniors. (Besides Health, that'd just be awkward.) The only thing my dad has ever denied me is to skip all of the grades to go to college, even though I've been accepted to several because he says it would screw me up. I tutor seniors because I'm the only person that can, and when I do, I'm able to teach them 3 weeks of information's worth in 10 minutes. Today, I was actually explaining a math problem to my Geometry that had to do with advanced Calculus. I can do amazing calculations in my head like multiplying any 4-digit number with another one and beat the calculator. I have never had trouble understanding something, I never listen in class, or take more than 5 minutes in each class to do my homework, and I never study either. Yet I have a perfect GPA and am ranked the highest in my entire class. I have many friends, who've all told me I'm extremely witty, clever, and have a great personality. I have a wardrobe that was designed entirely by my personal tailor. I also have a butler, bodygaurd, chef, chauffeur, and crack team of maids. My family goes on vacation at least three times a year, to Jamaica, Hawaii, Florida, and New York. We have houses at each of these places. My entire family (especially the females) have all grown up to be really pretty and look really young. (Everyone always tells me how much I look like my mother and my sister's pictures of when they were my age And they also say how beautiful they look.) I run track, play tennis, the violin, the piano, do several martial arts, swim, golf, and am in great shape. My mother is a natural runner, does marathons, and i've inherited the best of her genes and the best of my father's. I am in perfect health and have an extremely high metabolism. I always eat way more than my friends and never gain any weight. I've never had any trouble making friends, no matter their age. I've been being groomed to take over my father's company ever since I was very little (taking special courses on how to run a business, public speaking, finance managing, how to motivate and manipulate people, how to gain political, economic and social power, amon many others), and am already treated like royalty whenever I visit any of his offices or headquarters. I have a large family that loves me and I always have someone to talk to. My college counselors have all confided in me that at the rate I'm going, I'll be able to get into any Ivy League of my choice. My inheritance is already so extensive that I could drop out of school right now and live in luxury for the rest of my life. My father is a major stockholder in all of the biggest companies, and has entrusted many of his stocks into trust funds and bonds for me. He's also set up dynasty generation-skipping trust funds so I'll always have a place to live and so will my children, and their children and so on. Alright. Sorry, once again. I know that this all sounded like a fairytale and you were probably just waiting for me to write the part where my Prince Charming carries me off into the sunset. It isn't a lie though. This is all true, and please don't think I'm a troll. I'm just curious as to what the general public would say. I definitely sound spoiled beyond comprehension. I know I rambled a bit too much and that the whole (all of my friends think I'm the most fantabulous person ever!) was probably annoying, but it's kinda true. Anyway, I'm just asking for your opinion, please give it, and don't feel inclined to censor I just so you don't hurt my feelings, I can take it. Sorry, I haven't slept for a while and I'm typing this on my iPhone so it's hard enough to grammar-check and make everything perfect for you. I'm sure Isaac Newton and our good friend Albert never made mistakes. I've gotten early acceptance to a bunch of colleges because I've already got all of my high school credits. And I'm really sorry for 'flaunting' but I was looking for some opinions and this wall of text was necessary to get them. Thank you.

Can a person get a loan at 80 years and no signature ? Is this fraud ? A woman, age 82 yrs, no assets (house, car, land...) poor health, has NEVER left the house in the past 20 years unless her oldest son takes her. Son has had 'POA' (Power Of Attorney) for the past 2 years and is sole heir to whatever estate she had. This lady died 29th of Jan, 2010. My Question is, Can a loan be issued or made to a person who has no assets or chattels while in her early 80's, has NEVER used a computer in her life (except for a calculator), or has never signed a contract ? One other thing, They did have her SIN (social insurance number) on the contract. This was a loan for over $24,000.00, payment due Jan. 31st. 2010 which was missed including Feb. pmt. Mar. pmt. Apr. pmt. and May pmt. A collection agency sent a letter a couple of days ago (June 23rd, 2010) demanding payment of the full loan. No bills were received prior to this notice from the collection agency or the finance company. This is a Canadian Business & Finance question, (sorry, I forgot to mention that) And no, the son never applied for the loan. He is just as puzzled about it as I am. We are trying to figure out how a loan was taken out by the 82 year old lady without the son knowing about it. There is no trace of where the money went or even if it was ever received by her. Her son does all the banking, picks up the mail, shops for her needs, transports her to & from the Doctor's office twice a year. She uses an unlisted cellphone with pre-programed phone numbers to contact her son, 911 & close family members including myself. WE ARE NOT LOOKING FOR A LOAN OR BORROW MONEY, JUST TRYING TO FIGURE OUT HOW A PERSON OF 82 YRS OF AGE WHO HAS HAD 'NO' CONTACT WITH THE PUBLIC FOR 15+ YEARS, OWE OVER $24,000.00 DOLLARS ! Oh, I forgot to mention that she died on Jan 29th, 2010.

@N This is how the question was asked EXACTLY.? Part II You are going to buy a car that will need to be financed. You will need to look at different options and decide which will be the best choice for your situation. You will need to find a car on the internet that you want to purchase. •Find an advertisement for a car that you would like to purchase. •You can look at any internet site, but you might consider: http://www.edmunds.com to learn how the advertised prices compare with market prices generally for cars of the same make, model and year. •Once you have found the automobile you want to purchase and determined how much you will be spending on the car, you need to calculate the monthly payments. Use the amortization calculator at http://www.bretwhissel.net/cgi-bin/amortize to calculate the monthly payments. •Calculate the monthly payment for your car for each option given below and complete the table. Loan |Interest Rate|Length in Years 1---------5%--------------------5 2--------7.5%-----------------3 3--------9.99%--------------4.5 4--------11.5%--------------2.5 5--------18%------------------4 So first I went to edmunds and found the car i wanted which cost $36, 050 then i went to her amortization calculator link, to find the monthly payments for my car using her information from the chart she provided. the calculator gave me the following which i added to the chart to complete it. Monthly Payment | Amortization Interest $ 1,359.22--------------------$ 416.68 $ 2,220.12--------------------$ 625.01 $ 1,779.69--------------------$ 832.51 $ 2,818.26--------------------$ 958.34 $ 2,426.94--------------------$ 1,500.01 then it asks: 1. Make a decision as to which Loan # is the best option. Explain your reasoning. 2. Think about what situations would make you decide NOT to take the Loan with the following criteria: •Lowest interest rate •Smallest monthly payment •Shortest time and this is EXACTLY what she asked and how i came about my previous question. please help i am SO frustrated and confused.

Trade in upside down vehicle? I asked this the other day, but will ask again and provide some more detail. My hubby made a really bad decision & bought new a 06 Subaru Baja Turbo that has about 40k on it (he bought it 12/06). On top of his full time job, he delivers pizzas about 25 hrs a week (he works this much to pay for the Baja). He owes about 18k- we can't afford to pay extra principal. He will still deliver pizzas after it's paid off because he likes to have extra $. He gets about 20 mpg which sucks for his p/t job and our budget, also considering that he uses 93 octane gas for the turbo. Our 2nd child is due in December, and after that I'm not going to be working full time outside the home anymore. (This was all in the 'plan' when he bought the stupid car). I've been telling him that it was unpractical all along, and now with the unstable economy and gas prices all over the place, he's starting to see that and is talking about trading his car in on something smaller, more fuel effiecient and with cheaper payments- like a Kia Rio or Hyundai Accent. The base price is around 10k, and he'll have about 5k neg. equity in the Baja, so he'll be financing almost as much as he owes now. I've done some research and according to all the online calculators on financial & car websites, he'll break even in about 3 yrs. I talked to my most financially intelligent person I know, and he said he wouldn't do it, but that IF we did, the only way it COULD make financial-sense would be to continue to pay the amount we've been paying on the Baja to pay it off quicker and pay less interest over time. But all the financially advise in the news is saying 'keep ur gas guzzler because they have no re-sale value' and 'don't take out any new loans that you don't HAVE to', etc. Now all that being said- What would you do????? I don't want him to make another bad decision, because there is so much more at immediate stake than there was almost 2 yrs ago.

Dealership increased price by $2000 by selling me "free" insurance?? Can I sue? recently bought a used Corolla at a Toyota dealership, I have yet to pick it up. Over the phone we were told a bunch of BS which turned out to be false once we saw the car (it had more mileage, was NOT certified etc..). So, through negotiations, we were able to get 14K "out the door" and an additional bumber to bumper warranty for 36K miles at NO COST. Through financing, our rate was 9% and so we were told that resulted in a monthly payment of $280/mo for 14K "out the door". They fudged with the numbers and charged us 7.84% for 16K total claiming that they had to fudge with the contract to "get us" our exteneded warranty because it was worth $2000. He even showed us that the total interest was still the same at $4152. Once I got home, I plugged it all into a loan calculator and found out that 14K out the door @9% was really $250/mo and, yes he was correct that $4152 interest would be paid, but he forgot to mention that increasing our total to 16K upped our principal by $2000

I got Ripped off? I bought a Civic LX 2006 for $15500, plus tax and plate, total $17600, i've paid $5000 as down payment, financed $12600 with 60 months to pay monthly. at first, it seems like a sweet deal, but when I got my loan payments, the payment is $325.40, when I calculate my payment on bankrate.com calculator, it doesn't seem right, I was offered 2 options, 1, interest rate 11% monthly and 2. 7% with complete auto insurance, meaning if the car is stolen, I'll be covered, which I never received anything about this. Now, even if I go with 11% interest, the most i should pay is $273.95 per month, with 7% i should've pay $249.60 per month, what should I do now? The sale receipt of the car is listed $15500 as sale price, do I have any chance to win this in the courtroom?

my x has never paid child support. When i tried to talk to him and ask for help he threatened to sue? My x husband and i divorced 6 years ago, we had 2 children together. He got into drugs and became violent so i had to leave. We agreed on child support for the 2 girls at 25% of his net income and he would pay for their health insurance. I have 100% physical custody. He has never once paid child support; and he backed out about half of his weekends when we lived in California. he did add the girls to his insurance last year and he paid for a season of soccer. I have since remarried (3 years ago) and had a son. We had to move out of California because of the crashing economy and increasingly high rent. My x signed a visitation modification and only wanted the girls for 4 weeks in the summer. He never calls them, didnt send them christmas presents, didnt even call my oldest daughter on her birthday. He does pay for them to fly from Texas to California every year. My husband now is an amazing man. He loves my girls like his own children. We have paid for everything. We have never had a vacation,or even a weekend together. We have never even been able to afford a family vacation. Our finances have been hard especially on my husband because he went from a single man to an instant Dad to two girls over night, and we had a son about a year later. This year i had enough. He drove out to get the girls for the summer, He drove up in a new car and apparently he got married (they walked in with huge rings) and never told the girls. He supports his wife who doesn't work and her parents are moving in with them and they are all buying a 5 bedroom house in California together. I guess im playing the "its not fair card", I just want him to help out with the kids. With his income of 55K a year according to every child support calculator i have tried it states that even with the travel expenses every year that he would owe about $800 a month. He told me that he could afford $450 and he wants extra time with the kids and i have to wave all back child support and if i dont do what he asks, he will sue me for full custody and make me pay child support. What do i do? We dont have money for a lawyer and im not willing to give him extra time when he has never paid a single child support payment. I have told him in the past he can fly out and see the girls any time he wants or he can fly them out for any school break. I want them to have a good relationship with him. I pay for their own phone so he can call them anytime he wants (he calls maybe once every 2-3 months....he hardly even returns their calls when they try and reach out to them. Why does he only now ant extra time when i ask him to help with the kids? My girls are very happy and involved with the community. They play sports, have tons of friends and are doing excellent in school. They dont even enjoy spending time with him. Its not even a safe environment. He sells drugs (i cant prove it, but he has told me many times that he grows and sells weed...actually he tried to sell me some the last time he drove out he had a softball sized amount in the back of his truck....i tried to call the cops but for some reason CHP and the local police dont talk; and i dont want my girls to be there when he gets arrested). Should i just let him pay $450 a month? I dont want him to be destitute, i dont want him to be screwed financially...but i do want help with the kids expenses. sorry long story..needed to vent after getting off the phone with my x

Why do so many people spend money blindly,and then get mad because they are so broke???? I dont understand why so many people spend their money unwisely,and then want to whine when they wind up broke and cant pay there bills. It isnt that hard,you work,you pay your bills....if anything is left over then you spend money not before the bills get payed. How are so many people doing it backwards?And why are so many of them that are walking around looking like a walking department store? Im just not understanding the mindset that goes into that. Is it poor judgment, bad parenting, or just all out stupidity? As a 21 yr old stay at home mom of 2,with one on the way, and my husband making 650.00/week,with the car payment (361.00)and the mortgage payment(884.84)it is a little tight from time to time...but anyone with a calculator and a brain can set a budget. So why are so many people that are quick to spend money,so quick to complain when they wind up flat broke? Should it be mandatory to make all kids in highscool take a personal finances class all 4 yrs like english/math & such? Just to clarify, I am not talking about people making minimum wage and all that, I understnad that money only stretches so far. I'm talking about people that are making the money to survive,and choose not to.

IMPORTANT: Must read about financing! Question + warning!? Ok, this recently happened to me: Went to a major dealership and agreed on a price for a certain car my wife liked. Before I ever went in I had seen it on the net and knew what they were asking for it. I used a loan calculator and figured out what my payments should be for the rate I thought the interest should be on a 36 month note. So when they worked up the numbers, I was right on the interest rate, but there was a BIG kicker... the payment wasn't right. Instead it was about $60 higher than it should have been. We excused ourselves and went home and said we'd think about it. I rechecked my calculations and I was right; they were trying to hide an extra $1,500 in the payments. Had I not have been a big math buff who always figures this stuff out in advance, I'd have never caught it. Evidently this is a HUGE scam in the sales at automobile dealerships. I have done some reading and found out it is called "Holding Leg". However, I wonder who you call to report it, isn't it fraud?? FYI: The docking fees, processing fees, etc were already accounted for in the base price of the car, there were no other fees... they simply tried to hide an additional $1500 in the payments. This took place in Oklahoma. Responding to the 2 car salesmen: Ok, as I already pointed out, the doc fees, processing fees, etc were already accounted for! This was a used car purchase at a major dealership with no warranty, so no money there either! As for it NOT being fraud, the only reason it ISN'T is because I didn't sign it. Had I have been a sucker and signed that paper, YES, it would have been FRAUD! Every fee was listed and added up to the total. I reviewed the ENTIRE contract. The bottom line is this: The total amount (including all fees) with the 36 month term and the given percentage rate added up to almost $60/mo more than what it should be! I'm sorry if you guys don'y like people like me exposing your shady tactics, but the truth is the truth. They were attempting to "fluff" their profit not realizing I knew how to do the math! As for your claims that dealers don't do this... I called a friend/long time ex dealership finance manager about this, & he said "yep, they do it all the time. Buyer beware!! Look, it's this simple: Everything came down to a final price (after fees, taxes, etc etc), which for ease of use we'll call $10,000.00. Then you had your interest (lets also just call that 10% for ease) & a 36 mo term. So here sits the final price of $10K @ 36 mos @ 10% interest and according to them that equals $380.00/mo. However, per MY calculations, $10k @ 36 months @ 10% interest = $322.67/mo. Now then, in THIS scenario, if you multiply that out you end up with a difference of roughly $2,064.00 for the term of the note. If that isn't hiding money, I don't know what is! And yeah, they can "explain" the whole breakdown in their "truth in lending" thing, but if you don't do the math yourself it's obvious they're gonna get ya. And of course when you DO catch them, oh, well, ummm, that was a "mistake". Yeah right. And to be honest, I don't think there's truth in lending or truth in anything when it comes to car dealers... Oh, & I've calculated plenty of loans, my math is just fine.

Home Financing Question? I was wondering if anyone could give me some insight on how much house I can get approved for. I know what I can afford, both from looking at my budget and by using online calculators, but basically, I want to know the likely hood I can get approved for this loan: $210,000 home, 20% down, closing costs rolled in. I have an almost perfect credit rating (790+ on all three reports) make $75000 annually before taxes and have no other debt at all. Not even a car loan. Oh, and I'm single.

A $10,000 car for a monthly payment of $310/month? Pls tell me what i'm missing please!? My only motivation is to get a small commuter car that's really good on gas. We went to Nissan Serramonte and after test driving a couple of cars, we decided on a 2006 PT Cruiser with a sticker price of $9,995. So our sales agent went and gave us a computation. I'm a first time buyer so he said i'm getting a 12%. It's ok coz our option is to still shop around for a better rate outside dealer financing anyway. But he came back with a $325 monthly payment. Take note that we haven't even started with any addons or warranties on the car whatsoever so the calculations was basically bare. With the CA tax and DMV fees it all added up to $11,320. My husband is always ready with his calculator and he calculated away. The figure we got was just less than $250. We asked for their computations but they wouldn't give it and keep on insisting that it's becoz of the 12% interest rate. Uhmmm... i don't think so. Pls tell me if i'm wrong or if the dealer is conning us. Actually we were qouted on a 60 month term and i know i could get a better rate than that. The thing is, i wanna know if there are "hidden" charges (and what they are) that dealers put on when they calculate your payments. I work at a mortgage company and it is our practice that we show our client the estimated breakdown of their financing before they sign any contract. It's called a Good Faith Estimate, i know you're familiar with it, and it is required by law. The guys at the dealership doesn't even wanna show us their calculations. And this is a nice dealership, not some rundown store around the corner. Interest rate aside (coz i said i can still shop around), all i needed to know is HOW THEY CAME UP WITH THAT MONTHLY PAYMENT? Does any of you have the same experience?

Auto loan financing; prepayment of principal ? OK I need to finance a car or van , I just got discharged from my Bankruptcy , I'am on Unemployment .I have $500.00 as a down payment , Iam looking for a vehicle price between $3000.00 and $4000.00. On the "loan calculators" with 25% interest and depending on the vehicle price ($3000-$4000) . All the calculations come to under $100.00 a month , then add insurance for say $60.00. What and where on the contract should I look for options with paying the car off , that are best for me. I want to be able to pay the $100.00 a month payment as stated above , then when I find a job , I want to pay it off quicker.I do not want the extra payments I send in to just go towards the interest. Or say if I continue to pay $100.00 a month , then just save extra cash to do a payoff.What would I have to ask and/or lookout for on the contract.Say if I have the payoff money , then could they say like I owe more because of the interest? Can someone break it down for me in laymans terms , so I do not get ripped off.I'am trying to rebuild my credit not go back into debt. And I NEED to get a car in order to get a job , all the jobs that I'am qualified for are in the suburbs.And I need a car to get out there. Thanks

Will proving that my credit debt will be paid off within the month help me get an auto loan? I'll be a first time car buyer. As a kid, I received my first credit cards and got a little carried away, tallying up 4k+ in debt, on top of school loans which tally about 7.5k right now. I'm in good standing with the school loans, but because I've neglected the 2 credit cards that totaled 4k in debt, my credit score is currently at 600 points. Well, now that I'm older, 23 in fact, and have a better job, I will be paying off these debts. I started a 3 month payment plan with 1 which will end on the 27th of this month, and on the second credit card, I'll be paying off in two payments. One scheduled for tomorrow, the other scheduled for the 30th of this month. Now, my car was recently wrecked by a drunk driver (It was parked). It was a hit and run and I only had liability, so I'm out of luck there. I have no down-payment for a new car. I'm hoping that with a credit score of 600 points, will having proof (letters from the debt-collectors on the scheduled dates of payments), help me with an auto loan? Also, a side note/question: I figure my APR's going to be about 15%. Since the debt will be paid off this month, and I need a car ASAP (I need it for work), should I settle for a high APR and simply re-finance when (if) my credit score improves in the next two months? I'm looking at a 485 dollar car payment with an APR of 15%, which is within my budget according to financial calculators online. I also plan on sending off 1k dollar payments for the first 5 months. Will explaining this to the loan (Toyota) company help me? Or will they not consider this? I appreciate the answer, but I would like to clarify the payment. the 485 dollar monthly payment for the car loan factors in the 15% interest rate already. It's quite within my budget, about 15% of my monthly income, 20% of my take-home. I've taken in to consideration all of my bills. It's a Scion TC, stripped down with no features. It's got an excellent trade-in value which I plan on doing after 3 years.

Question about searching in search engines? My question is related to searching in search engines I need to copy paste website addresses by searching in google suppose I search mortgages in google The results are # Mortgage - Wikipedia, the free encyclopedia For loans secured by mortgages, such as residential housing loans, and lending practices or requirements, see Mortgage loan. ... en.wikipedia.org/wiki/Mortgage - 65k - Cached - Similar pages # Mortgage loan - Wikipedia, the free encyclopedia A mortgage loan is a loan secured by real property through the use of a mortgage (a legal instrument). However, the word mortgage alone, in everyday usage, ... en.wikipedia.org/wiki/Mortgage_loan - 108k - Cached - Similar pages More results from en.wikipedia.org » # Nationwide Building Society - Mortgages Additional mortgage borrowing paid to you as one lump sum. Flexible advance. Additional mortgage borrowing that allows you to draw on the money as and when ... www.nationwide.co.uk/mortgage/default.htm - 17k - Cached - Similar pages # Mortgages | compare thousands of mortgage and remortgage rates and ... Compare thousands of UK mortgage and remortgage rates and deals, including mortgages from high street and specialist lenders. Help and advice available... www.moneysupermarket.com/mortgages/ - 231k - Cached - Similar pages # Mortgage advice & news - compare mortgages & mortgage rates in the ... Mortgages & mortgage news - compare mortgages & get expert advice from brokers tailored to your needs. Use our free mortgage calculators or find out how ... www.yourmortgage.co.uk/ - 65k - Cached - Similar pages # Mortgages, Home Equity Loans, Refinance, Rates, Mortgage ... Provides information about mortgages, mortgage rates, home refinancing, home equity loans and many other mortgage related topics. Try our free mortgage ... www.mortgage.com/ - 33k - Cached - Similar pages # Loans | Car Loans, Secured Loans, Homeowner Loans & Personal Loans Mortgages with a range of over 4000 products. This includes products for First time buyers & re-mortgages. Enter Mortgages · Life Insurance ... www.rainbowgrp.co.uk/ - 16k - Cached - Similar pages # Mortgage | LII / Legal Information Institute A mortgage involves the transfer of an interest in land as security for a loan or other obligation. It is the most common method of financing real estate ... topics.law.cornell.edu/wex/mortgage - 16k - Cached - Similar pages Instead of this is there a way to make serach results appear in listed form with only website addresses like this so I can copy paste ? en.wikipedia.org/wiki/Mortgage en.wikipedia.org/wiki/Mortgage_loan www.nationwide.co.uk/mortgage/default.htm www.moneysupermarket.com/mortgages www.yourmortgage.co.uk www.mortgage.com www.rainbowgrp.co.uk anybody can help /?