My 2002 Ford Windstar is allowing me to bring the van back

The thing is the dealership I purchased my 2002 Ford Windstar is allowing me to bring the van back (working or not – since the alternator currently needs to be replaced) and forgive the whole loan as long as I purchase from them again. They think I will be finanacing, but in reality I will be purchasing “cash on hand”. My currently loan on the Ford is around $3000 so this is a great deal on that. The only thing is they have a limited choice. They have also have:

  • 2005 Chevrolet Cavalier
  • 2004 Chevrolet Impala
  • 2003 PT Cruiser
  • 2002 Nissan Maxima
  • 2000 Toyota Camry Solara
  • 2002 Nissan Xterra… I’m partial to Nissans because my 1st and last “new” car was a 1995 Nissan Maxima and it served me well until 2001 when my ex-husband bought it from me when I was relocating.

I’m also looking at:

  • 2003 Mitsubishi Montero sport
  • 2000 Chevy Tahoe
  • 2003 Chevy Trailblazer

My only experiences with Chevy’s are my parents 1988 Chevy Conversion van that survived over 200,000+ miles with nothing more than an alternator, and ex-husbands 1994 Chevy Blazer whose transmission dropped 4 years later.

So I have a lot of factors to look at:

– my family of 4 (2 girls 8-6 that do not want to be touching each other in the car)
– we have and will continue to take “road trips” to California and Kentucky starting from Texas each year (elderly family members to visit before its too late)
– descent gas mileage
– the possiblity of relocating to Germany or Japan with DH’s Army career (something that can survive the Autobaun)

I need a reliable vehicle that can handle all of this. So any new comments or information on this?

fordBEING german, i would suggest anything that has good gasmilage and weather you can find PARTS in germany or japan… which would be nissan, toyota or mitsubishi….

the japanese, as tight as they are with imports, would probably make it hard for you to get chevy parts, unless the military has an auto zone.

another thing to remember: should you move to germany, you would be hard pressed to afford gas for ANYTHINg, as their gas goes by the QUART!!!!! a gallon equivalent goes for something like over 6 EUROS!!!!! and the exchange rate makes it even higher. i think, just a few days ago, it took 1.48 US $$ to make 1 euro. anything that would requiere excessive gas would kill you over there. i think the military does have their own gas stations, but i am not familiar with their prices. parts and gasprices ought to be added to your calculations.

I just wanted to add that we have 3 Fords and they’re still running great. I have to admit I have an uncle who works for a Ford dealership, so we take our cars to him for maintenance, etc. But anyway, We have a 1997 Aerostar and it’s got about 160,000 + miles on it. We bought it used with 80,000 on it. That car will probably outlive us. It’s GREAT on mileage. My husband is in the Navy and that van has been back and forth between Utah and California MANY times over. Short, or long distance we LOVE that van!
I also have a 1995 Explorer that gets pretty good mileage as well. I think we’re up to about 172000 on that one. (I bought it from my dad 2 years ago.. he was the original owner) Still running great.

Then my dh has a 2001 Explorer Sport Track. We bought it used and it had a few problems at first. (I blame that on the slimy sales guy we bought it from) But since we’ve had it “fixed” it’s been great. The mileage isn’t as great as the other 2, but certainly not “bad” for an SUV/Truck.

Again, all of these vehicles have been between Utah and California without any problems.

Any 2004 Chevrolet Venture drivers? Advice please

I’m getting ready to invest in one and would like any good, bad and ugly experiences before I make this investment.

I don’t know about the 2004 (do a search using words like 2004 venture problems etc… add in chevy or chevrolet also and see what comes up.

We do have a problem with our 2000 with the check engine light and it ‘chugs’ sometimes, but hasn’t actually broke down. I read online (searching to see if others had the same problem and they did) it has some sort of seal problem in the coolant area I think? My hubby has checked and said his computer thingy (yes, he has a computer reader thingy but doesn’t actually fix it) said it was a gasket maybe? Is that the same as a seal? LOL I’m SOOOOOOO auto literate.

It’s annoying sometimes so far but hasn’t ‘done’ anything to it. It’s done this for months. Also horrible for cups. too shallow and not enough where you need them with 6 of us! lol We bought a between the seat cup holder/catch all type thing though.

Not sure if that helps, but hopefully somewhat. Well I am unloading a 2002 “F”ix “O”r “R”epair “D”aily Windstar that I paid $9000+ for used and had to put in a $4000+ engine, $200+ alternator, $250+ brakes, $300 AC, and a looming “transmission” problem. I just wanted some input so I don’t walk into another lemon.

get a TOYOTA !!!

I had several. hubby’s was a tercel. bought with about 50.000 miles on it. he/ we drove it until it had 350.000 miles on it. it would have lasted longer had hubby given it a tuneup [ i think ] AND if he did not have the new car inkling. i had a toyyota corolla. it croaked when it had about 320 000miles on it. just did not have the $$$ to fix what was wrong with it, it still ran like a charm [ enginewiese ] just something broke.

anyhow. got hubby another toyota. we are expecting to get at least 300.000 miles out of it. we bought it new. thing is … change oil every 3000 miles !!! with the same brand of oil.

IF I HAD money or qualified for a decent loan, i would go and buy a toyota hybrid. thjey get something like 60 miles to the gallon.

I have a 2005 Toyota Highlander SUV that I bought new, and so far so good. Even if you get a used Toyota, the reliability will likely beat most any other type of vehicle manufacturer with the possible exception of Honda. Resale value of most Toyota made vehicles is good. Toyota didn’t have a hybrid Highlander available in 2005, but I believe that they do in 2006 and above.

Only thing I’m afraid of with hybrid vehicles is that the battery life for the electric versions is unproven, and since I sometimes drive to places where Toyota dealerships are not readily available, I didn’t want to take a chance yet on a hybrid. However, with the price of gas moving back up to $3 per gallon and higher I may want revisit the hybrid design. I know that some hybrids are hydrogen as opposed to electric battery, so some research on your part concerning not only purchase cost/maintenance but reparability may be worth your time. Sorry that I rambled on and forgot your primary question.

Debt Manifesto – Can Debt Actually Be Good For You?

Debt, as we all know, is bad. Or is it really? We have been taught all our lives to avoid it. Being in debt is considered something shameful, as if the person in debt is incompetent somehow.

Even politicians talk about too much debt all the time. Most candidates run on the platform that he or she will reduce debt and make the government debt-free. Debt is largely perceived as a catastrophe on both personal and organizational levels.

Debt is simply the amount of money a person owes in total to another. People with means do not need to borrow money. So, having to borrow money indicates economic hardship. However, economists in recent times have countered the traditional view of debt as something that is really bad and should be avoided at all times. It, experts say, can be good.

How so, you may ask. After all, going into debt can push people into a vicious cycle of borrowing and spending. Financial experts generally agree that there is good and bad debt. The difference between the two is that good one can improve your overall finances. On the other hand, bad debt pushes you deeper into it. Yes, it sounds confusing.

Think of it in this way. You borrow ten bucks. You haven’t paid it all back, so you are technically in debt. You use the 10 bucks to buy a loaf of bread. Then you sell this loaf of bread to another for 20 bucks. Now you have enough money to pay off your debt, and in the process you have also made extra money, thus increasing your overall wealth. Debt that can improve your net worth in this manner is considered good debt.

Now, say you use the aforementioned 10 bucks to buy a loaf of bread that is a day old. You can only sell it for 5 bucks. You now owe more. This is the nature of bad debt.

To better understand how debt can actually be good for you, consider the following examples:

Borrowing Money to Get an Education

Student and installment loans have accrued much controversy in recent times, just as debt has in general. Population statistics show that people with college degrees on average make more money than people without. People who have Master’s degrees and PhDs make even more than Bachelor’s degree holders. Conventional wisdom is that the more educated you are, the better off you will be. So, borrowing money to pay for a college degree is normally a sound investment. However, the investment can go sideways, depending on the economic situation, demand for jobs in the field you choose, and the median pay for your college major. In general, those who have college degrees in the STEM fields fare quite well later in life. So, in this regard, the debt you incur from student loans could actually be good for your life.

Taking out a Mortgage to Buy a House

Shelter is one of the most basic human needs. Most people don’t make enough money to buy a house with a single payment. Rich and poor alike depend on mortgages to buy houses. Your mortgage is not bad for you if you manage to buy a house in a good neighborhood. Value of property, unlike possessions like vehicles, goes up over time. Land always has an intrinsic financial value attached to it. So, even if you are in debt right now because of your mortgage, in 20 or 30 years, when it’s paid off, you will be richer.

Borrowing Money to Build Credit History

What makes student loans, mortgages and installment loans possible? Good credit history. Having a credit history and a good score establishes you as a responsible borrower. If lending institutions perceive you as a low-risk borrower, you will have no trouble borrowing money for good investments like buying a house. Once you incur debt to build a credit history, this debt must be gradually paid off to maintain your reputation as a good borrower.

Using Loans to Invest

Investing is one of the best-known ways to increase your wealth over time. So, if you don’t have the initial capital to invest, sometimes borrowing can help. However, these investments must be lucrative and safe enough so you can pay back your creditors and turn a profit.

As you can see, debt is not always bad. Learn more from this great article at BankRate.com. Whether debt is good or bad depends on what you do with the borrowed money. Credit card debt, expensive vehicle loans, and debt incurred buying consumables like clothes are all examples of bad debt. These types of debt do not increase your wealth over time. So, aim in your life to incur only good debt, and avoid bad debt.

I’m new here but here goes my project

I live in PA and won full legal and physical custody of my son almost two years ago.

Bragging a little but also a reminder that it can be done. I spent almost a year in the local law library and here’s what I learned (also known as “things your lawyer will not tell you”). Most states have laws that define when a child can select which parent to live with. Here in PA the age is 11 and it was established by the state supreme court in 2002. For many states the age is 13. We have a lot of state-specific laws regarding parenting and money-lending services. More info here.

Anyway, once your kids reach this age, it is a fairly straightforward process of having your child state for the record that he or she prefers to live with you and why. There were other circumstances but that was the basic argument.

Know the laws in your state. Most lawyers prosper from the anti-father attitudes so they won’t be of much help.

You’ll have to dig this up yourself.