So This Is Christmas

Merry Christmas is such an infectious feeling I like to feel that way all year around.

So if you are visiting just before Christmas, just after Christmas or even here on Christmas day I am sure you will find something of interest for you and in the spirit of Christmas.

It may be said that Christmas is no longer a celebration but this must be spoken by people that have never had trouble closing their eyes on Christmas Eve in an expectation of what maybe left for them on the carpet under the tree.

I continue to look forward to the surprise on my Grandchild's faces to this day at Christmas events.

Merry Christmas - Merry Christmas - Merry Christmas

Wednesday, December 19, 2018

Junk A Car That Is No Longer Running And Pay Off Bills Instead

By Daniel Rogers


Those who find themselves constantly paying for a vehicle that appears to be on life support need to wake and smell the coffee. There is a lot more to life than constantly wondering if making it to an intended destination will become a reality. And if not, wonder what the mechanic will say this time. Anyone who is in this predicament may realize that the only solution is to junk a car that is constantly giving them problems.

There can be little quirks that one may be accustomed to, as well as a sense of familiarity. Yet, many people who have driven for some time know when the warning signs are near. Engines, transmissions, or a major part that is no longer functional and needs replacing are some common telltale signs of having to say goodbye.

However, if they do not stop the madness immediately, a person can find themselves deep in a financial hole. This includes using more than one credit card to pay off mechanic bills, or worse, maxing out a single card. Although some mechanics may be willing to work out a payment arrangement, this should be a last resort.

For those who do not have a trusty mechanic in their corner, this might be one sign to let go entirely. Some people with older cars usually find themselves in one of two unfortunate but common predicaments. They either have a mechanic that has begun to refuse the job because parts are too hard to find or will require more labor than their overhead budget allows.

Taking money cutbacks can offset times when it may be necessary to call a cab or use a car rental company. There are also vehicle subscription services that are ideal for people who work regularly. The flat fee covers most repairs and for some, this costs less than dealing with a car note plus monthly insurance payments.

Once a person gets over the shock, they find themselves having to make what may be a hard decision. There are many dealers who are honest as well as convenient who normally give cash for vehicles that are no longer functional. Although most prefer cars that are still running, there are also some makes that are just as valuable even if the engine cannot turn over.

There are subscription services that allow people to rent a car for a period of time or using ridesharing services may be a good idea. For those who have gym memberships, it is easier to walk when possible and the good thing is that it costs nothing when the weather permits. If an employer pays for ridesharing, this could be the perfect opportunity to take advantage of this benefit.

The best way to get ahead at this stage is to pay off the balances of credit cards that have the highest interest. Most people tend to aim for those with the highest balance but knocking out high interest can put a consumer in a position to negotiate lower fees in the future. Whatever the plan, the sooner a person emancipates themselves from making mechanics rich, the sooner they can begin to enjoy life




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