Debt is a Four-Letter Word, But it Need Not Be!: The Car Financing Experience
Pomp and Circumstance is playing Your daughter (or son) is walking down the aisle with her (his) college classmates. You beam with pride, thinking how far she's come since being a kid. She has a salaried job and will support herself financially. When she walks back down the aisle, her career is in motion. She'll be encountering debt needs common to young people. She'll be asking for your help. Replacing her old car is first. Even experienced adults shutter at the intimidating process. How will your daughter handle it? How prepared are you to help?
THE CAR FINANCING EXPERIENCE is the second volume in the DEBT is a Four-Letter Word, But it Need Not Be book series. The prior volume is THE COLLEGE EXPERIENCE. The series is written by a professor with 30+years of managing budgets totaling millions of dollars and providing financial aid to countless students. His engaging narrative series tells the fictionalized story of young Nicole and her advisor Dad encountering her first-time debt issues and resolving them together. Balancing encouragement and pragmatism, he guides her through each of them.
Lots of books on the money management needs of a typical lifetime are out there. What's unique about this one? Others are non-narrative and broadly cover strictly monetary aspects. And, your daughter isn't facing lifetime needs; only the process of getting a new car. The path is full of research, monetary challenges, and decisions to make. It's an exhausting road. THE CAR FINANCING EXPERIENCE focuses specifically and solely on that task. With the guidance and tools provided in it you'll help her navigate it comfortably.
Setting: College grad Nicole's financially ready to replace her parent-bought, aged, VW. She'll be doing it on her own and asks Dad for advice. Neither realizes that acquiring a car has changed dramatically since Dad bought one. The days of only walking around car lots are gone Now, you can go on-line to view cars and walk around them. You can also purchase one. It's also commonplace to lease a car. You can use a car broker do the work of buying or leasing a car for you If you haven't done any of these, there's a lot to learn
The content is pragmatic, detailed and thorough. Everything you need to know to advise her about
●Car buying, dealer pricing and selling process, on-line resources, on-line buying,●Car loans and the effect of credit standing
●Trading-in or privately selling a car
●Car insurance and gap insurance
●Car leasing, car lease/purchase and putting cash down
●Using car brokers
and much more is covered.
Being well informed, she'll manage them astutely and confidently. She'll avoid the pitfalls and mistakes other people make.Gutkowski's book series compacts his lifetime of hard knocks, bad/good experiences, and growth in debt management into a powerful set of Lessons. He helps you
●Gain solid technical ability to understand and wisely use debt; not to abuse it or be abused by it●Be logical, incisive and effective in dealing with any loan from the first moment you need it
●Apply his insights, techniques, strategies for managing debt in a consistent, skilled way
●Conceive, calculate, evaluate options for any loan and make astute, strategic choices
●Acquire his lifetime of knowledge in the time it takes you to read and learn the content.
THE CAR FINANCING EXPERIENCE is comprised of 14 LESSONS covering debt matters typically encountered by car buyers. Realistic SITUATIONS and detailed procedures for addressing each are described. Periodic EXERCISES augment them.
In the end Nicole and her Dad have managed THE CAR FINANCING EXPERIENCE successfully. Following their example, you and your daughter (or son) can achieve similar results. To get there, start by Buying THE CAR FINANC
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