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Terrance Said:

Does anyone have Geico's Homeowners Insurance (Ins. Counslers, INC)?

We Answered:

We have Geico homeowner's insurance. Just so you know, Geico doesn't actually write the policy. Travelers Insurance is actually who writes the policy. It's Geico's way of offering homeowner's insurance without actually offering it.

So far we have a great policy, no issues. I do have experience with Traveler's and they're a great and reputable company. You can google reviews on Traveler's if you'd like.

They did have attractive pricing. But we're looking to switch to USAA for homeowner's insurance because it's even better! But you have to be connected to someone in the military to do such.

Robin Said:

First Time Buying -- Car Need Tips and Advice?

We Answered:

Is it new or used? If it's used.....

$7000 is a very fair price and you should have no problem doing that.

I am a commercial manager for a large dealership in NC. My advice, start around $6000 because they will try to bump you.

They will also try to talk you into letting them pull your credit . They will do this and try to give you this line. "Our banks are very competitve with other banks rates, in most cases we can beat what your bank offers because we work with x amount." "You wouldn't mind to see how much money I could save you? Would You?" All while they are nodding their head yes, to try to get you to go ahead with that.

There are 2 reasons they will try this. (1) So they can make money and hold back a point or two on the rate. For instance, they might offer you 8.25% when the bank said 7.25%. That way they make 1% of $7000 on the back end. (2) So they can sell you a car on Saturday. They do not want you to leave! 80% of people that leave never return. So they will do anything they can do to get you to stay.

Black Book value on this car (depending on miles and equipment ) is......

w/ power package
(X-tra Clean-8175) (Clean-7685) (Avg.-6925) (Rough-5725)

If it does not have:
Power Pack -$175
Factory A/C -$1050
Auto Trans -$550
Keep an eye on the mileage. If it has more than 30K it reduces rough book value even more.

Wagons are worth approx $500 more

I fully believe they took this vehicle in on trade or at an auction for rough book. So $7000 is fair.

Remember not to let them have control! If you have control you will get it for $7000 or lower and get some free stuff thrown in as well. If you get a really good deal, TAKE IT! Don't be stupid and leave. Ask them if you can take it home with you. In most states this won't be a problem, but they may want you to sign a promissory note that says you agree to pay x amount of dollars for the car on Monday when your bank opens.

Don't be tense! This should be a fun day for you. If you get a Salesman that is pushy or doesn't know his product, just ask for someone else.

Have Fun and Enjoy YOUR New Ride!!!