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	<title>Comments on: Planning Ahead For Our Next Car Purchases</title>
	<atom:link href="http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
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		<title>By: James Starch</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-731338</link>
		<dc:creator>James Starch</dc:creator>
		<pubDate>Sun, 19 Jul 2009 16:16:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-731338</guid>
		<description>I had a 2004 Dodge Ram  2500 fully loaded, cost me about $90 every two weeks to fill up, great power and so on, and the only reason i kept it was under the pretex of hauling stuff. I went to the dumpster one day all proud of my truck and saw a man with a mini van backing up trailer to trow his trash and i was taken aback: why do i need this gas guzzler? Four month after that i trade the truck for a mini van and i move so many thing just by folding the seats down, even a piano, and i also have a trailer for trash now. Did i mentioned that when the inlaw visit we don&#039;t need two cars go anywhere!</description>
		<content:encoded><![CDATA[<p>I had a 2004 Dodge Ram  2500 fully loaded, cost me about $90 every two weeks to fill up, great power and so on, and the only reason i kept it was under the pretex of hauling stuff. I went to the dumpster one day all proud of my truck and saw a man with a mini van backing up trailer to trow his trash and i was taken aback: why do i need this gas guzzler? Four month after that i trade the truck for a mini van and i move so many thing just by folding the seats down, even a piano, and i also have a trailer for trash now. Did i mentioned that when the inlaw visit we don&#8217;t need two cars go anywhere!</p>
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		<title>By: Sixpack</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84951</link>
		<dc:creator>Sixpack</dc:creator>
		<pubDate>Thu, 11 Oct 2007 11:10:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84951</guid>
		<description>I have to agree with the 2006 Honda Odyssey comments.  We drove test drove a Sienna and it felt alright.  But when we drove the Odyssey, it felt more solid and we felt more comfortable.  It was well worth the money.

The best part is we have a DVD player in ours and that&#039;s a godsend!!</description>
		<content:encoded><![CDATA[<p>I have to agree with the 2006 Honda Odyssey comments.  We drove test drove a Sienna and it felt alright.  But when we drove the Odyssey, it felt more solid and we felt more comfortable.  It was well worth the money.</p>
<p>The best part is we have a DVD player in ours and that&#8217;s a godsend!!</p>
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		<title>By: Frugal Goose</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84723</link>
		<dc:creator>Frugal Goose</dc:creator>
		<pubDate>Wed, 10 Oct 2007 20:11:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84723</guid>
		<description>Whats wrong with getting a dealer demo or car coming off a lease? These are usually great ways to avoid the initial depreciation hit. Also consider the crossover, its really the new minivan
(and more stylish) :)</description>
		<content:encoded><![CDATA[<p>Whats wrong with getting a dealer demo or car coming off a lease? These are usually great ways to avoid the initial depreciation hit. Also consider the crossover, its really the new minivan<br />
(and more stylish) :)</p>
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		<title>By: tc</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84714</link>
		<dc:creator>tc</dc:creator>
		<pubDate>Wed, 10 Oct 2007 19:42:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84714</guid>
		<description>Just some input, if you are considering Mini-Vans.  For Honda&#039;s, get the latest series (2006 or later).  The previous series had some issues with automatic doors, and some years had transmission issues.  We did have a 2003.  Didn&#039;t have the sliding door issue, but transmission had to be replaced around 85K. We now have a 2006 and after driving other vans (rentals, although we haven&#039;t driven a Sienna), there is no comparison to the Odyssey.  With the 2006, in addition to everything being laid out well (like Nissan), well made car (no cheap plastic like Ford uses), the Odyssey has the Variable Cylinder Management (VCM) engine.  The VCM allows our Odyssey to get 23-24 MPG on long highway trips.  Around town, it gets 20-22 MPG.  It also handles pretty well in the snow (with chains, if snow is deep).</description>
		<content:encoded><![CDATA[<p>Just some input, if you are considering Mini-Vans.  For Honda&#8217;s, get the latest series (2006 or later).  The previous series had some issues with automatic doors, and some years had transmission issues.  We did have a 2003.  Didn&#8217;t have the sliding door issue, but transmission had to be replaced around 85K. We now have a 2006 and after driving other vans (rentals, although we haven&#8217;t driven a Sienna), there is no comparison to the Odyssey.  With the 2006, in addition to everything being laid out well (like Nissan), well made car (no cheap plastic like Ford uses), the Odyssey has the Variable Cylinder Management (VCM) engine.  The VCM allows our Odyssey to get 23-24 MPG on long highway trips.  Around town, it gets 20-22 MPG.  It also handles pretty well in the snow (with chains, if snow is deep).</p>
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		<title>By: krisk</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84679</link>
		<dc:creator>krisk</dc:creator>
		<pubDate>Wed, 10 Oct 2007 17:42:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84679</guid>
		<description>looks like some good info is in US News and World Report...

http://finance.yahoo.com/loans/article/103660/U.S.-News-Best-Cars-and-Trucks?mod=oneclick</description>
		<content:encoded><![CDATA[<p>looks like some good info is in US News and World Report&#8230;</p>
<p><a href="http://finance.yahoo.com/loans/article/103660/U.S.-News-Best-Cars-and-Trucks?mod=oneclick" rel="nofollow">http://finance.yahoo.com/loans/article/103660/U.S.-News-Best-Cars-and-Trucks?mod=oneclick</a></p>
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		<title>By: Kory</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84671</link>
		<dc:creator>Kory</dc:creator>
		<pubDate>Wed, 10 Oct 2007 17:08:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84671</guid>
		<description>ITA with Brent, but there is another thing to consider....your insurance rates will be cheaper with virtually any car than they will be with a truck.

Rent the truck for the couple of times you will actually need it because the minivan won&#039;t cut it, and you are still far ahead on the gas/insurance end.</description>
		<content:encoded><![CDATA[<p>ITA with Brent, but there is another thing to consider&#8230;.your insurance rates will be cheaper with virtually any car than they will be with a truck.</p>
<p>Rent the truck for the couple of times you will actually need it because the minivan won&#8217;t cut it, and you are still far ahead on the gas/insurance end.</p>
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		<title>By: Mark</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84643</link>
		<dc:creator>Mark</dc:creator>
		<pubDate>Wed, 10 Oct 2007 15:17:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84643</guid>
		<description>There is a great article on this website http://www.cbn.com/finance/scalici_car.aspx  It is titled &quot;The Power of Banking at Home,&quot; by Steve Scalici.

It gives a wonderful example of two guys, one that uses a car loan from a bank to get his vehicles, and the other that uses a ficticious car &quot;payment&quot; paid to his own mutual fund savings account to get his vehicles.

The guy that uses the traditional car loans from the bank ends up with nothing at retirement.  The guy that pays himself ends up with an extra $465,468 at retirement, plus every vehicle he ever had was paid for completely in cash.

I&#039;m wallpapering my house with this article.</description>
		<content:encoded><![CDATA[<p>There is a great article on this website <a href="http://www.cbn.com/finance/scalici_car.aspx" rel="nofollow">http://www.cbn.com/finance/scalici_car.aspx</a>  It is titled &#8220;The Power of Banking at Home,&#8221; by Steve Scalici.</p>
<p>It gives a wonderful example of two guys, one that uses a car loan from a bank to get his vehicles, and the other that uses a ficticious car &#8220;payment&#8221; paid to his own mutual fund savings account to get his vehicles.</p>
<p>The guy that uses the traditional car loans from the bank ends up with nothing at retirement.  The guy that pays himself ends up with an extra $465,468 at retirement, plus every vehicle he ever had was paid for completely in cash.</p>
<p>I&#8217;m wallpapering my house with this article.</p>
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		<title>By: Jason</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84641</link>
		<dc:creator>Jason</dc:creator>
		<pubDate>Wed, 10 Oct 2007 15:05:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84641</guid>
		<description>I&#039;m in a similar situation as you are.  We&#039;ve already got the minivan, and I&#039;m driving a pickup truck.  However, I&#039;d seriously consider having two vehicles you can transport the whole family in.

We&#039;ve had a couple situations where the van needed repair or maintenance, and it is a big headache just dropping it at the repair shop if you can&#039;t fit the whole family in the second vehicle.  It doesn&#039;t have to be comfortable, but just enough to fit everyone for a short ride.  It gives you more flexibility.

As far as transporting things, I&#039;ve been amazed at what I can do with the minivan.  I recently put 8 sheets of 8&#039;x4&#039; drywall in the back of our Chevy Venture.  They would not have fit in my pickup.

I think a minivan and a small car would be a better combination for us.</description>
		<content:encoded><![CDATA[<p>I&#8217;m in a similar situation as you are.  We&#8217;ve already got the minivan, and I&#8217;m driving a pickup truck.  However, I&#8217;d seriously consider having two vehicles you can transport the whole family in.</p>
<p>We&#8217;ve had a couple situations where the van needed repair or maintenance, and it is a big headache just dropping it at the repair shop if you can&#8217;t fit the whole family in the second vehicle.  It doesn&#8217;t have to be comfortable, but just enough to fit everyone for a short ride.  It gives you more flexibility.</p>
<p>As far as transporting things, I&#8217;ve been amazed at what I can do with the minivan.  I recently put 8 sheets of 8&#8242;x4&#8242; drywall in the back of our Chevy Venture.  They would not have fit in my pickup.</p>
<p>I think a minivan and a small car would be a better combination for us.</p>
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		<title>By: Ryan</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84639</link>
		<dc:creator>Ryan</dc:creator>
		<pubDate>Wed, 10 Oct 2007 14:48:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84639</guid>
		<description>You&#039;d also save more money if you had 2 cars rather than a van and a car.</description>
		<content:encoded><![CDATA[<p>You&#8217;d also save more money if you had 2 cars rather than a van and a car.</p>
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		<title>By: Ogden</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84632</link>
		<dc:creator>Ogden</dc:creator>
		<pubDate>Wed, 10 Oct 2007 14:34:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84632</guid>
		<description>Ryan,

Understood, but if everyday you are driving a combination of a minivan and a car (which is likely to be more fuel efficient than a truck), you will probably save more gas and money over drving the same minivan and a truck everyday.

I&#039;m making the comparison between the truck and a car, not the truck and the van.</description>
		<content:encoded><![CDATA[<p>Ryan,</p>
<p>Understood, but if everyday you are driving a combination of a minivan and a car (which is likely to be more fuel efficient than a truck), you will probably save more gas and money over drving the same minivan and a truck everyday.</p>
<p>I&#8217;m making the comparison between the truck and a car, not the truck and the van.</p>
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		<title>By: Ogden</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84628</link>
		<dc:creator>Ogden</dc:creator>
		<pubDate>Wed, 10 Oct 2007 14:28:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84628</guid>
		<description>To follow up, even having had the AWD for the past 11 years in the aforementioned New England Winters, the few times I&#039;ve really thought that it got me out of situations where FWD cars would have gotten stuck, hindsight tells me I probably shoudn&#039;t have been on the road in the first place under those conditions.

My wife&#039;s FWD car with good snows does just fine in all but the absolute worst conditions.

AWD

For expense - transmission is more expensive (even for the 5-speed I have) to replace, but mine lasted 260K.  Not too shabby.

Rear diff and driveshaft - simple parts, not abnormally expensive, but you have them in addition to the front drive equipment, and they all will eventually need servicing and will wear.  Depending on the 4WD/AWD setup, the transfer case can be a part of the transmission. (part of what makes the part so expensive)

Weight -  for cars the size of mine, I definitely get worse gas milage, in part due to the extra weight of the AWD. Though certainly way better than a 6 or 8 cylinder truck.</description>
		<content:encoded><![CDATA[<p>To follow up, even having had the AWD for the past 11 years in the aforementioned New England Winters, the few times I&#8217;ve really thought that it got me out of situations where FWD cars would have gotten stuck, hindsight tells me I probably shoudn&#8217;t have been on the road in the first place under those conditions.</p>
<p>My wife&#8217;s FWD car with good snows does just fine in all but the absolute worst conditions.</p>
<p>AWD</p>
<p>For expense &#8211; transmission is more expensive (even for the 5-speed I have) to replace, but mine lasted 260K.  Not too shabby.</p>
<p>Rear diff and driveshaft &#8211; simple parts, not abnormally expensive, but you have them in addition to the front drive equipment, and they all will eventually need servicing and will wear.  Depending on the 4WD/AWD setup, the transfer case can be a part of the transmission. (part of what makes the part so expensive)</p>
<p>Weight &#8211;  for cars the size of mine, I definitely get worse gas milage, in part due to the extra weight of the AWD. Though certainly way better than a 6 or 8 cylinder truck.</p>
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		<title>By: Ryan</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84627</link>
		<dc:creator>Ryan</dc:creator>
		<pubDate>Wed, 10 Oct 2007 14:27:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84627</guid>
		<description>Ogden,

You won&#039;t save money on the gas if the truck is more fuel efficient than a van.  Not all trucks are the same.</description>
		<content:encoded><![CDATA[<p>Ogden,</p>
<p>You won&#8217;t save money on the gas if the truck is more fuel efficient than a van.  Not all trucks are the same.</p>
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		<title>By: Ogden</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84620</link>
		<dc:creator>Ogden</dc:creator>
		<pubDate>Wed, 10 Oct 2007 14:09:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84620</guid>
		<description>My wife and I will be looking to replace our cars (hopefully one at a time) in the near future.  I bought my current car (Subaru Impreza Outback Sport) new, 11 years ago, and have driven it for almost 320K now.  I&#039;m hoping to make as good a choice on my next car.

Personally, having driven an all-wheel-drive car for 11 years now in New England Winters, I&#039;d say skip the truck.  If you want 4WD/AWD for the winter, there are a lot of smaller vehicles (better fuel economy, better handling, better ride) with 4WD/AWD these days.  Plus it would give you a more flexible combination of vehicles  in conjunction with the minivan.

The van will give you all the hauling capacity you are likely to need, as what most people require for houshold hauling is space, rather than weight capacity. My guess is that it&#039;s unlikely you will ever need to haul a 1/2 ton of anything yourself on any regular basis.  Most of the items folks mention here don&#039;t really REQUIRE a truck.

The few times that you may need the weight, or exceed the space of the van, you can rent a u-haul pickup for $30/day with all the money you will have otherwise saved on gas.  If you plan to haul trash/yard waste, etc. a light trailer will do the trick.

That said, when it comes to vehicles, I feel like it can be a highly personal decision for some.  So if you really want a truck, get a truck.</description>
		<content:encoded><![CDATA[<p>My wife and I will be looking to replace our cars (hopefully one at a time) in the near future.  I bought my current car (Subaru Impreza Outback Sport) new, 11 years ago, and have driven it for almost 320K now.  I&#8217;m hoping to make as good a choice on my next car.</p>
<p>Personally, having driven an all-wheel-drive car for 11 years now in New England Winters, I&#8217;d say skip the truck.  If you want 4WD/AWD for the winter, there are a lot of smaller vehicles (better fuel economy, better handling, better ride) with 4WD/AWD these days.  Plus it would give you a more flexible combination of vehicles  in conjunction with the minivan.</p>
<p>The van will give you all the hauling capacity you are likely to need, as what most people require for houshold hauling is space, rather than weight capacity. My guess is that it&#8217;s unlikely you will ever need to haul a 1/2 ton of anything yourself on any regular basis.  Most of the items folks mention here don&#8217;t really REQUIRE a truck.</p>
<p>The few times that you may need the weight, or exceed the space of the van, you can rent a u-haul pickup for $30/day with all the money you will have otherwise saved on gas.  If you plan to haul trash/yard waste, etc. a light trailer will do the trick.</p>
<p>That said, when it comes to vehicles, I feel like it can be a highly personal decision for some.  So if you really want a truck, get a truck.</p>
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		<title>By: Suzy</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84615</link>
		<dc:creator>Suzy</dc:creator>
		<pubDate>Wed, 10 Oct 2007 13:59:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84615</guid>
		<description>You mentioned that you are planning on trading in your wife&#039;s car when you buy the minivan.  Don&#039;t trade it in.  You will get a far, far better price by selling it yourselves.</description>
		<content:encoded><![CDATA[<p>You mentioned that you are planning on trading in your wife&#8217;s car when you buy the minivan.  Don&#8217;t trade it in.  You will get a far, far better price by selling it yourselves.</p>
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		<title>By: Ryan</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84594</link>
		<dc:creator>Ryan</dc:creator>
		<pubDate>Wed, 10 Oct 2007 11:52:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84594</guid>
		<description>If you own a house, you are always hauling something, from buying new appliances furniture, any lumber for decks, sheds, fences, trim, cabinetry, doors, windows, roofing, taking stuff to the dump (I do this once a month even when not building anything), buy a truck.</description>
		<content:encoded><![CDATA[<p>If you own a house, you are always hauling something, from buying new appliances furniture, any lumber for decks, sheds, fences, trim, cabinetry, doors, windows, roofing, taking stuff to the dump (I do this once a month even when not building anything), buy a truck.</p>
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		<title>By: 144mph</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84588</link>
		<dc:creator>144mph</dc:creator>
		<pubDate>Wed, 10 Oct 2007 11:40:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84588</guid>
		<description>Lorax is right.  AWD is completely overrated despite the hype that the vehicle manufacturers like to spew about increased safety.  A car is only as safe as the driver, and all too often, AWD inspires overconfidence.  

1. AWD makes the vehicle considerably heavier (on my vehicle it a 500 lb difference)
2. Full time AWD means additional parasitic drivetrain losses (saps horsepower even when you don&#039;t need AWD)
3. Added complexity and possible repair problems.
4. AWD vehicles tend to cost more than FWD

All these add up to spell more cost to you in terms of maintenance and fuel costs. Check the maintenance schedule for a FWD and AWD vehicle and compare them.  Changing out the rear differential and transfer case fluids is considerably more work and cost than just replacing the trans fluid. Then, if somewhere were to go wrong, labor and parts costs are much higher.

Whether you&#039;re doing it to limit emissions output (like Brent said) or to save money, I think you should look into a FWD van and truck.  

This is coming from a person who lives in the midwest (sure, your roads in rural IA are probably a bit worse than IL, but not much) and drives an awd sedan.

My advice would be to save the money that you would spend on the AWD option and use a portion of it to purchase a spare set of wheels with snow tires.  This option is much safer and cheaper.  Modern snow specific tires are amazing and will last more than a few years with proper care, rotating, and storage practices.</description>
		<content:encoded><![CDATA[<p>Lorax is right.  AWD is completely overrated despite the hype that the vehicle manufacturers like to spew about increased safety.  A car is only as safe as the driver, and all too often, AWD inspires overconfidence.  </p>
<p>1. AWD makes the vehicle considerably heavier (on my vehicle it a 500 lb difference)<br />
2. Full time AWD means additional parasitic drivetrain losses (saps horsepower even when you don&#8217;t need AWD)<br />
3. Added complexity and possible repair problems.<br />
4. AWD vehicles tend to cost more than FWD</p>
<p>All these add up to spell more cost to you in terms of maintenance and fuel costs. Check the maintenance schedule for a FWD and AWD vehicle and compare them.  Changing out the rear differential and transfer case fluids is considerably more work and cost than just replacing the trans fluid. Then, if somewhere were to go wrong, labor and parts costs are much higher.</p>
<p>Whether you&#8217;re doing it to limit emissions output (like Brent said) or to save money, I think you should look into a FWD van and truck.  </p>
<p>This is coming from a person who lives in the midwest (sure, your roads in rural IA are probably a bit worse than IL, but not much) and drives an awd sedan.</p>
<p>My advice would be to save the money that you would spend on the AWD option and use a portion of it to purchase a spare set of wheels with snow tires.  This option is much safer and cheaper.  Modern snow specific tires are amazing and will last more than a few years with proper care, rotating, and storage practices.</p>
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		<title>By: Jon</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84575</link>
		<dc:creator>Jon</dc:creator>
		<pubDate>Wed, 10 Oct 2007 10:10:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84575</guid>
		<description>Quick follow up question: When you put down a down payment on a car, does it typically only reduce principal? For example, if the car is $20,000, and you put $2,000 down, will the principal you are financing be $18,000? Or, do dealers reduce the $2,000 down payment from the cost of the vehicle PLUS interest you will pay over the life of the loan (i.e., if the car is $20,000 and the total interest to be paid over the life of the loan is $3,000, does the down payment reduce the amount you are financing to only $21,000?)</description>
		<content:encoded><![CDATA[<p>Quick follow up question: When you put down a down payment on a car, does it typically only reduce principal? For example, if the car is $20,000, and you put $2,000 down, will the principal you are financing be $18,000? Or, do dealers reduce the $2,000 down payment from the cost of the vehicle PLUS interest you will pay over the life of the loan (i.e., if the car is $20,000 and the total interest to be paid over the life of the loan is $3,000, does the down payment reduce the amount you are financing to only $21,000?)</p>
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		<title>By: JDS</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84553</link>
		<dc:creator>JDS</dc:creator>
		<pubDate>Wed, 10 Oct 2007 08:18:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84553</guid>
		<description>I wish we were at the point that we could pay cash for our next vehicle. I just wanted to point out that even with 0% financing, they depreciate so fast  that you will always lose money on a car. If you really have the money to buy it outright, you&quot;d be foolish to finance it. I love this blog.</description>
		<content:encoded><![CDATA[<p>I wish we were at the point that we could pay cash for our next vehicle. I just wanted to point out that even with 0% financing, they depreciate so fast  that you will always lose money on a car. If you really have the money to buy it outright, you&#8221;d be foolish to finance it. I love this blog.</p>
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		<title>By: Shannon</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84480</link>
		<dc:creator>Shannon</dc:creator>
		<pubDate>Wed, 10 Oct 2007 02:40:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84480</guid>
		<description>VW plans to hybridize their entire line in another year or so. 

Toyota has future plans to come out with a hybrid mini-van. 

Just sayin&#039;. ;)</description>
		<content:encoded><![CDATA[<p>VW plans to hybridize their entire line in another year or so. </p>
<p>Toyota has future plans to come out with a hybrid mini-van. </p>
<p>Just sayin&#8217;. ;)</p>
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		<title>By: vh</title>
		<link>http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/comment-page-1/#comment-84467</link>
		<dc:creator>vh</dc:creator>
		<pubDate>Wed, 10 Oct 2007 01:43:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/09/planning-ahead-for-our-next-car-purchases/#comment-84467</guid>
		<description>Check out the mileage on the minivan. Before I bought the Dog Chariot (a 2000 Toyota Sienna), the Mechanic from Heaven recommended it for reliability and comfort but warned that it would use a lot of gas. He was dead on: it&#039;s run trouble-free for seven years and probably will run at least that much longer. Yesterday I pumped $37 into it for 3/4 of a tank of $2.53/gallon Costco gas. The previous gas purchase was on 10/1: $36.54.  I try to drive frugally--none of that lead-footed style, and planning shopping trips to minimize mileage. Thirty-seven bucks a week is almost $150 a month, just to go to work and pick up groceries, with an occasional jaunt to Home Depot.

That said, the Sienna will haul a lot of DIY construction and landscaping loot. You can remove the two back seats and fold down the center seats, giving you a ton of room!  Also, the minivan has the advantage over a truck that you can lock up goods, rather than having to leave stuff in the back of an open pick-up bed or haul it in and out of the cab as you go from store to store.

And another use for the minivan: with the two back seats out, the Sienna actually has enough room for an adult or a couple of kids to sleep back in back, if you like to car-camp.</description>
		<content:encoded><![CDATA[<p>Check out the mileage on the minivan. Before I bought the Dog Chariot (a 2000 Toyota Sienna), the Mechanic from Heaven recommended it for reliability and comfort but warned that it would use a lot of gas. He was dead on: it&#8217;s run trouble-free for seven years and probably will run at least that much longer. Yesterday I pumped $37 into it for 3/4 of a tank of $2.53/gallon Costco gas. The previous gas purchase was on 10/1: $36.54.  I try to drive frugally&#8211;none of that lead-footed style, and planning shopping trips to minimize mileage. Thirty-seven bucks a week is almost $150 a month, just to go to work and pick up groceries, with an occasional jaunt to Home Depot.</p>
<p>That said, the Sienna will haul a lot of DIY construction and landscaping loot. You can remove the two back seats and fold down the center seats, giving you a ton of room!  Also, the minivan has the advantage over a truck that you can lock up goods, rather than having to leave stuff in the back of an open pick-up bed or haul it in and out of the cab as you go from store to store.</p>
<p>And another use for the minivan: with the two back seats out, the Sienna actually has enough room for an adult or a couple of kids to sleep back in back, if you like to car-camp.</p>
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