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Selling Your Car

: English: Jalopy car in Joshua Tree National Park in Hidden Valley Campground (Photo credit: Wikipedia)

When it’s time to replace your car, most people focus on the new car, instead of the old, but that is ignoring real money. Your old car–unless it has disintegrated–still has value. Sometimes, it’s just time to ask yourself, “When should I sell my car?”

When you’re looking to sell your car (like with We Will Buy Your Car), you generally have several options:

Tow & crush. If your car has been wrecked, doesn’t run, or is just old and beat up, you may be stuck with calling a junkyard and accepting $50 for them to pick up your car and crush it for scrap.
Trade it in. This is probably the least hassle, but–other than #1–doesn’t pay well. Dealerships are willing to pay something under what they will get at a wholesale auction, which is quite a bit less than the blue book value.
Sell it yourself. Now you’re thinking, “He’s going to buy my car! Oh, bother.” It can be a pain, but it’s also the best way to get a decent price for your wheels.

When you sell your car, there are a few things to keep in mind, much like when you sell something on Craigslist.

Don’t be alone. There are bad people in the world, but they don’t like witnesses. Bad things are much less likely to happen if you have company.
Know your price. Specifically, know three price: your dream price, the price that would make you happy, and the absolute lowest price you are willing to accept. Make sure you figure these numbers out ahead of time. Know what you are comfortable with before it comes time to close the deal.
Check IDs. The buyer is going to want to test-drive your car. That’s fine, but you want to make sure you know who is driving off in your car. “Officer, Sumdood took my car. He was wearing jeans.” That won’t get your car back.
Clean it up. Get the car detailed before you show it to a potential buyer. A sparkling-clean car will almost always bring in a few hundred extra dollars. It’s well worth the expense.

Following this plan should make the sale go as smoothly as possible and bring you the most possible money.

Readers, what have you done to dispose of an old car?

This is a sponsored post written to provide some insight into the world of used car retail.

Distraction

Life

At work, there are a dozen coworkers who can(and do) interrupt me. Though its not in my actual job description, there are a dozen customers with my direct line.

On an average day, I get interrupted at least ten times with issues that require my full attention. When an issue requires my full attention it throws me off my stride. Is an issue requires ten minutes to resolve, discuss, or explain, and it takes another ten minutes to recover my “groove”, that is twenty minutes wasted out of about every fifty. That is almost half of my day unavailable for the things that are strictly within my job description. On a good day.

Naturally, this takes a toll on my productivity.

Avoiding Distractions

1. Warn People. If you have been allowing interruptions and distractions, it may come as a shock to your coworkers that easy time is over. Send an email to everyone who normally expects your attention.

2. Turn off your email. I check my email three times per day. Morning, noon, and night. An auto-response explaining your plan may be helpful.

3. Unplug the phone. I’m fortunate to have a “Do not disturb” button on my phone. Unplug it, turn off the ringer, or drop it in the sink. Just don’t answer it.

4. Close your door. This isn’t always possible, but if it is, do it. It provides a wonderful psychological barrier to anybody thinking about interrupting you.

5. Block the internet. If you have an opportunity to work unmolested, don’t waste it on the internet. BE PRODUCTIVE!

Now, is this a sustainable solution? I’m not sure. I work in a small company and have varied responsibilities, including reviewing potential contracts, demonstrations, and a bit of high-level customer care. It doesn’t appear to be possible to sequester myself every day, but I’m making an attempt to do so on at least once every other week.

How do you keep work distractions to a minimum?

Saturday Roundup

Life, Misc

: Image via Wikipedia

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Day 18 of the 30 Day Compact. We’re doing well, but not perfect. My cousin is getting married next week, and I’m not going to buy used for that. That makes it 1 purchase so far this month, not counting food or consumable hygiene items. That’s not too bad!

The Best Posts of the Week:

Yahoo put 1000 computers to work for 23 days and found that the 2 quadrillionth digit of pi is 0. Just for the geek of it.

If you are habitually late, you are rude and selfish. Don’t leave other people waiting for you.

Just letting my inner survivalist out for a minute: Always watch what’s going on around you and don’t put yourself in a situation that makes you an easy victim. I strongly recommend a “Refuse to Be a Victim” class for everyone, especially–to let out my inner chauvanist–women.

For Halloween this year, I think I’m going to go as sexy Big Bird.

And finally, how much of your weekly 168 hours are you wasting?

Finally, a list of the carnivals I’ve participated in:

Nada. I forgot to submit any posts to any carnivals last week. I’m a sad clown.

3 Worst Things About Being Financially Responsible

Finance

Everybody talks about all of the wonderful things that happen when you’re saving money and being responsible. I know I do. It’s true, good things do happen. There’s really nothing like the feeling that you’re suddenly not living paycheck to paycheck.

But what about the other side of the coin? What sucks about staying in the black?

1. You have to make choices. When you’re living on credit, you can buy a car, charge an expensive dinner every week, and go on vacation. If you’re not spending real money, then who cares? When you’re living for real, you have to prioritize. Do you buy groceries or video games? Do you buy sexy lingerie or a fancy dinner? Braces or college? You’re given a lot of choices, but you can only pick the ones you can actually afford.

2. You’re no longer the Joneses other people are trying to keep up with. The guy down the street, with the fancy car, big screen TV, and artificially perfect noses on his teenagers? You’re not him, anymore, but that’s okay, because he’s financing his lifestyle 9.9% at a time. Yes, a bit of incoming envy can give you a warm, tingly feeling, but it doesn’t put food on the table.

3. It’s boring. Taking a trip in a fast car and picking up an entourage for a 10-day party is fun. Balancing your checkbook and spending 6 months saving up for your kid’s braces is not. If you’ve been living like a rockstar, rolling back to a responsible standard of living is going to come as a shock, but it’s better than suddenly running out of money and having your world come crashing down around you.

Being responsible comes with a lot of downside, but it’s all superficial. The benefits are real, and long-lasting. What’s the worst thing you’ve had to deal with by being responsible?

Lost Kid

Parenting

Losing a kid is terrifying.

Aside from impromptu–and panic-inducing–games of hide-and-seek while shopping, I’ve misplaced a kid three times. My oldest walked out of the house twice when he little, once to find Mommy at a neighbor’s house–he didn’t know which neighbor–and once to find Grandma, who was in the backyard, but he thought she went home. With the first, a fireman got him to my wife. With the second, we knew he was gone within a minute and guessed where he went. He’d only made it a few blocks before I caught up to him. My middle kid walked out of the back side of a playground and somehow ended up in the parking lot before an attendant found her and brought her back.

We all know what to do when your kids disappears. If you’re in a store, you grab an employee and tell them your kid is missing. They’ll help. If you’re at the park, you have a heart attack while calling your kid’s name. Simple.

What’s your kid supposed to do?

If you’re kid gets lost, tell them to find a woman and ask for help. Tell them before they get lost.

There are 4 reasons.

Pedophiles are rare. Stranger-kidnappings are rare. They are also predators, looking for a victim. If your kid picks the stranger to talk to, the odds of picking someone who will victimize them are slim.
Kids are short. Employee uniforms are well above their line-of-sight and can be confusing to a little brat. What’s the kid supposed to do if she gets lost outside of a store? Simple rules for little minds.
Women are very rarely predators. It happens, but it’s a statistical anomaly within the statistical anomaly that is child-predation. In general, women are safe. They are also wired to watch out for small children. It’s easier to get a strange woman to sympathize than a strange man.
Women tend to be less intimidating to small children than men.

That’s it. Tell your kids to find a woman and ask for help if they get lost.

Birthday Parties are Evil

Finance, Parenting

This is a post from my archives.

I hate birthday parties. Well, not all birthday parties. Not even most parties. Just the expensive-for-the-sake-of-expensive parties. The bar-raising parties. The status-boosting parties. I’m done.

My son is seven years older than my first daughter. In those seven years, with only one kid, we managed to spoil him regarding birthday parties. Every party was big and there were a lot of presents. That’s an expensive way to run a birthday and it is a lot of stress. We even moved the parties home, but still invited all of our friends and family. It was much too stressful.

A good friend used the pizza and game place, buying tokens for everyone at the party. That’s incredibly expensive. Even if I wanted to, I couldn’t afford that for three kids. There’s an element of keeping up with everyone around me, but I just can’t make myself care about that anymore. They aren’t paying my debt or cleaning my house. They don’t get a vote.

My plan this year was to have a sleepover for my son. He had five friends spend the night, playing games and watching movies. They giggled and squealed for eighteen hours, all for the cost of some take-and-bake pizzas and snacks. It was a hit for everyone involved. The other parents got a night off and all of the kids had a blast.

My girls are one and two. We’re done with parties for them, too. They got big parties for their first birthdays. Those are parties for the adults; the kids don’t care. In a few years–even a few months–they won’t remember the party. My older daughter’s birthday will be a trip to the apple orchard, followed by cake and ice cream. She’ll get presents. She’ll get “her day”. She’ll remember that her birthday is special, without costing a lot of money.

We want them to have fun. We want them all to feel special. We also want to manage their expectations and keep the parties from breaking the budget. So far this year, it is working.

How do you run a birthday party on a budget?