<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
		>
<channel>
	<title>Comments on: A Vacation Disaster, and Six Thoughts About What to Do Next</title>
	<atom:link href="http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
	<lastBuildDate>Fri, 10 Feb 2012 08:34:37 +0000</lastBuildDate>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.2.1</generator>
	<item>
		<title>By: Terri T.</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-916734</link>
		<dc:creator>Terri T.</dc:creator>
		<pubDate>Mon, 05 Jul 2010 12:04:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-916734</guid>
		<description>We&#039;ve had AAA for years. At about $93 for both of us, it&#039;s well worth the &#039;security&#039; it provides. As well, one tow and it&#039;s basically paid for!

As for alternative programs, check into how widely they are accepted nationwide before opting to save $40 on something that may not work where you happen to need it. AAA is nationwide, as far as I know.</description>
		<content:encoded><![CDATA[<p>We&#8217;ve had AAA for years. At about $93 for both of us, it&#8217;s well worth the &#8216;security&#8217; it provides. As well, one tow and it&#8217;s basically paid for!</p>
<p>As for alternative programs, check into how widely they are accepted nationwide before opting to save $40 on something that may not work where you happen to need it. AAA is nationwide, as far as I know.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Sara Bee</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-911630</link>
		<dc:creator>Sara Bee</dc:creator>
		<pubDate>Wed, 19 May 2010 05:06:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-911630</guid>
		<description>There is a credit card that used to have the tag line, &quot;Don&#039;t leave home without it. The card I don&#039;t leave home without is my AAA card.  I&#039;ve had it for about 20 years.  I haven&#039;t crunched the numbers on whether my dues have been paid for in terms of the savings resulting from using the service.  But it does pay for itself in terms of peace of mind alone.  Hands down.

They always ask whether you have a safe place to wait.  Once I was stranded in a dicey area and they moved me to the head of the line.  That beautiful big truck with a driver that looked like a lineman was at my location in less than 10 minutes.  

Of course they get slammed sometimes.  Lots of cars need charging on cold mornings.  In those cases I doubt you could better service from any other towing company.  

Add the maps (I&#039;ve used), lockout services (I&#039;ve used), and discounts on travel and entertainment (I&#039;ve used), and I don&#039;t know why anyone would think they were saving money by not paying the dues.</description>
		<content:encoded><![CDATA[<p>There is a credit card that used to have the tag line, &#8220;Don&#8217;t leave home without it. The card I don&#8217;t leave home without is my AAA card.  I&#8217;ve had it for about 20 years.  I haven&#8217;t crunched the numbers on whether my dues have been paid for in terms of the savings resulting from using the service.  But it does pay for itself in terms of peace of mind alone.  Hands down.</p>
<p>They always ask whether you have a safe place to wait.  Once I was stranded in a dicey area and they moved me to the head of the line.  That beautiful big truck with a driver that looked like a lineman was at my location in less than 10 minutes.  </p>
<p>Of course they get slammed sometimes.  Lots of cars need charging on cold mornings.  In those cases I doubt you could better service from any other towing company.  </p>
<p>Add the maps (I&#8217;ve used), lockout services (I&#8217;ve used), and discounts on travel and entertainment (I&#8217;ve used), and I don&#8217;t know why anyone would think they were saving money by not paying the dues.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Richard</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-747767</link>
		<dc:creator>Richard</dc:creator>
		<pubDate>Fri, 07 Aug 2009 18:38:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-747767</guid>
		<description>What about keeping the cars you have, since you drive yours so infrequently, and rent a car when you travel? That keeps the miles and assiciated wear and tear off of your home vehicles as well as having someone to call if there are vehicle problems (the rental company). Round trip rentals, where the vehicle is returned to the location that is was rented from, is reasonably inexpensive, provides you with a new vehicle, an oportunity to &quot;test drive&quot; a vehicle that you may be thinking of purchasing, offers more security from maintenance problems on the road, usually includes no milage limits and certainly provides someone to call and bring you a new vehicle should there be maintenance problems. We just returned from a three week trip in a rental car where we put 6000 miles on the car (not mine) and although the cost was just about $600, that is 10 cents a mile (plus gas) rather than the current 40 cents per mile for wear and tear/maintenance/depreciation, etc. that it costs me to use my own vehicle. Especially for high milage trips, renting is the only way to go. The down side is that if it is a one way trip the rental companies tack on a pretty heafty fee to pay for someone else having to return the vehicle.</description>
		<content:encoded><![CDATA[<p>What about keeping the cars you have, since you drive yours so infrequently, and rent a car when you travel? That keeps the miles and assiciated wear and tear off of your home vehicles as well as having someone to call if there are vehicle problems (the rental company). Round trip rentals, where the vehicle is returned to the location that is was rented from, is reasonably inexpensive, provides you with a new vehicle, an oportunity to &#8220;test drive&#8221; a vehicle that you may be thinking of purchasing, offers more security from maintenance problems on the road, usually includes no milage limits and certainly provides someone to call and bring you a new vehicle should there be maintenance problems. We just returned from a three week trip in a rental car where we put 6000 miles on the car (not mine) and although the cost was just about $600, that is 10 cents a mile (plus gas) rather than the current 40 cents per mile for wear and tear/maintenance/depreciation, etc. that it costs me to use my own vehicle. Especially for high milage trips, renting is the only way to go. The down side is that if it is a one way trip the rental companies tack on a pretty heafty fee to pay for someone else having to return the vehicle.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Dollar Dee</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-693935</link>
		<dc:creator>Dollar Dee</dc:creator>
		<pubDate>Fri, 12 Jun 2009 02:00:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-693935</guid>
		<description>I think you should hold onto the truck if the repairs aren&#039;t major (engine replacement, transmission replacement, drive train replacement), pay off ALL of your debts (unless its your mortgage), and then save for a USED vehicle with relatively low miles. AAA-for $50 a year--will give you piece of mind when you&#039;re driving in that old truck of yours.

Also, why do you need more children? Of course that&#039;s a personal choice you have every right to, but they&#039;re expensive, a strain on the world&#039;s dwindling resources, and the more children you have the larger the vehicle you will need. And SUVs and mini vans are notorious gas guzzlers, road hogs, and environment killers. Maybe you need to rethink expanding your family?</description>
		<content:encoded><![CDATA[<p>I think you should hold onto the truck if the repairs aren&#8217;t major (engine replacement, transmission replacement, drive train replacement), pay off ALL of your debts (unless its your mortgage), and then save for a USED vehicle with relatively low miles. AAA-for $50 a year&#8211;will give you piece of mind when you&#8217;re driving in that old truck of yours.</p>
<p>Also, why do you need more children? Of course that&#8217;s a personal choice you have every right to, but they&#8217;re expensive, a strain on the world&#8217;s dwindling resources, and the more children you have the larger the vehicle you will need. And SUVs and mini vans are notorious gas guzzlers, road hogs, and environment killers. Maybe you need to rethink expanding your family?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Herbert</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-412183</link>
		<dc:creator>Herbert</dc:creator>
		<pubDate>Sat, 08 Nov 2008 06:40:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-412183</guid>
		<description>Don&#039;t fix it if it ain&#039;t broke.  If the truck stops running or won&#039;t start, then repair it.  As for the eventual replacement....consider an American companies vehicles before foreign owned companies.  
Consider all the families here in the states whose primary wage earners are now out of a job because GM, Ford, and Chrysler are all in financial trouble.  The people of America matter more than the need to drive an Acura or BMW.  One should want to support their fellow Americans in their decisions, not send their money overseas.  Buying a vehicle from a domestic company helps our economy more than buying foreign, and current American cars have reliability on par with most foreign cars.  I know plenty of people whose tranny or starter went out on their Honda/Toyota/etc.  Sorry for the rant, but I&#039;m sick of hearing people moaning about how they are having a hard time at work with their sales/clients, when they don&#039;t support their fellow neighbors jobs with their buying decisions either.  They then slap an American flag sticker on the bumper of their new foreign car....oblivious to the big picture.</description>
		<content:encoded><![CDATA[<p>Don&#8217;t fix it if it ain&#8217;t broke.  If the truck stops running or won&#8217;t start, then repair it.  As for the eventual replacement&#8230;.consider an American companies vehicles before foreign owned companies.<br />
Consider all the families here in the states whose primary wage earners are now out of a job because GM, Ford, and Chrysler are all in financial trouble.  The people of America matter more than the need to drive an Acura or BMW.  One should want to support their fellow Americans in their decisions, not send their money overseas.  Buying a vehicle from a domestic company helps our economy more than buying foreign, and current American cars have reliability on par with most foreign cars.  I know plenty of people whose tranny or starter went out on their Honda/Toyota/etc.  Sorry for the rant, but I&#8217;m sick of hearing people moaning about how they are having a hard time at work with their sales/clients, when they don&#8217;t support their fellow neighbors jobs with their buying decisions either.  They then slap an American flag sticker on the bumper of their new foreign car&#8230;.oblivious to the big picture.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Ang Jordan</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-374530</link>
		<dc:creator>Ang Jordan</dc:creator>
		<pubDate>Sun, 14 Sep 2008 15:10:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-374530</guid>
		<description>Another vote for Better World Club, primarily for their environmentally friendly practices, but also for their bike coverage and their gas reimbursement. We&#039;ve used an auto club for a number of years primarily because of having old cars and consider it as a form of insurance. We have used it several times but I&#039;ve never calculated if it has paid for itself. Earlier this year we got rid of one of our two old cars and my husband bought a bike to commute to work. It&#039;s not for everyone, and there are sometimes inconveniences, but it has worked well for us.</description>
		<content:encoded><![CDATA[<p>Another vote for Better World Club, primarily for their environmentally friendly practices, but also for their bike coverage and their gas reimbursement. We&#8217;ve used an auto club for a number of years primarily because of having old cars and consider it as a form of insurance. We have used it several times but I&#8217;ve never calculated if it has paid for itself. Earlier this year we got rid of one of our two old cars and my husband bought a bike to commute to work. It&#8217;s not for everyone, and there are sometimes inconveniences, but it has worked well for us.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: steve</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-367841</link>
		<dc:creator>steve</dc:creator>
		<pubDate>Thu, 04 Sep 2008 03:19:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-367841</guid>
		<description>PS to the overtightened lug nut people:

Just slide a 3 foot length of steel pipe over the end of your lug wrench if you have one and  you&#039;ll be able to loosen ANY lug bolt by hand.  Just be careful and mindful not to be off balance when you do it and make sure that if the pipe slips off the wrench your hands are not going to slam into something hard with 100 lbs of force. Ouch!</description>
		<content:encoded><![CDATA[<p>PS to the overtightened lug nut people:</p>
<p>Just slide a 3 foot length of steel pipe over the end of your lug wrench if you have one and  you&#8217;ll be able to loosen ANY lug bolt by hand.  Just be careful and mindful not to be off balance when you do it and make sure that if the pipe slips off the wrench your hands are not going to slam into something hard with 100 lbs of force. Ouch!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: steve</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-367838</link>
		<dc:creator>steve</dc:creator>
		<pubDate>Thu, 04 Sep 2008 03:13:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-367838</guid>
		<description>Anitra wrote; &quot;we’ve called AAA three times in the last two years,...for flat tires that just WEREN’T coming off without power tools (one was even parked in our driveway, but we could NOT get the wheel off).&quot;

If the lug nuts were tightened to that point, I would be upset at the service station that did it.  They are totally overtightened if it she or her husband was unable to loosen them by hand. Over time that overstretches the studs (bolts) that the nuts go on, weakening them, and can damage the wheels as well.



I would complain to whoever did it and say that I expect the wheels to be tightened to specifications by hand, not by whatever setting the technician happened to have set on his high-torque air powered impact wrench, which is probably what happened. 

The lug nuts on most passenger vehicles should only be tightened to around 100 foot-lbs at the maximum (the equivalent of pressing with 100 lbs of force at the end of a one-foot wrench, or 50 lbs of force at the end of a 2-foot wrench. On my car, a Honda Accord, I have to do it to 80 ft-lbs. 

The owners manual in your glove compartment  will tell you the desired amount of torque for the lug nuts on your vehicle.

for future service on your car/truck, If you&#039;re having work done on the car, I would mention to the service manager that you&#039;ve had problems with them being way overtightened in the past and you are sure they wouldn&#039;t do this, but you just wanted to be sure  expect that they are tightened only to the proper amount (by hand, with a hand torque wrench if they don&#039;t have a power one that is set for it). You can even give the figure. That will get their attention and make it much more likely that the nuts aren&#039;t stretched on the 350 foot lbs or something absurd. If they know you are looking they are less likely to let it slide.</description>
		<content:encoded><![CDATA[<p>Anitra wrote; &#8220;we’ve called AAA three times in the last two years,&#8230;for flat tires that just WEREN’T coming off without power tools (one was even parked in our driveway, but we could NOT get the wheel off).&#8221;</p>
<p>If the lug nuts were tightened to that point, I would be upset at the service station that did it.  They are totally overtightened if it she or her husband was unable to loosen them by hand. Over time that overstretches the studs (bolts) that the nuts go on, weakening them, and can damage the wheels as well.</p>
<p>I would complain to whoever did it and say that I expect the wheels to be tightened to specifications by hand, not by whatever setting the technician happened to have set on his high-torque air powered impact wrench, which is probably what happened. </p>
<p>The lug nuts on most passenger vehicles should only be tightened to around 100 foot-lbs at the maximum (the equivalent of pressing with 100 lbs of force at the end of a one-foot wrench, or 50 lbs of force at the end of a 2-foot wrench. On my car, a Honda Accord, I have to do it to 80 ft-lbs. </p>
<p>The owners manual in your glove compartment  will tell you the desired amount of torque for the lug nuts on your vehicle.</p>
<p>for future service on your car/truck, If you&#8217;re having work done on the car, I would mention to the service manager that you&#8217;ve had problems with them being way overtightened in the past and you are sure they wouldn&#8217;t do this, but you just wanted to be sure  expect that they are tightened only to the proper amount (by hand, with a hand torque wrench if they don&#8217;t have a power one that is set for it). You can even give the figure. That will get their attention and make it much more likely that the nuts aren&#8217;t stretched on the 350 foot lbs or something absurd. If they know you are looking they are less likely to let it slide.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Lady Tawodi</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-366870</link>
		<dc:creator>Lady Tawodi</dc:creator>
		<pubDate>Tue, 02 Sep 2008 17:39:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-366870</guid>
		<description>I&#039;ve been thinking about getting a service like AAA for my and my father since he&#039;s on disability and I work an hour away from home.  But I would probably go with http://betterworldclub.com/ as my first choice, unless I find something better.</description>
		<content:encoded><![CDATA[<p>I&#8217;ve been thinking about getting a service like AAA for my and my father since he&#8217;s on disability and I work an hour away from home.  But I would probably go with <a href="http://betterworldclub.com/" rel="nofollow">http://betterworldclub.com/</a> as my first choice, unless I find something better.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Carmen</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-364204</link>
		<dc:creator>Carmen</dc:creator>
		<pubDate>Fri, 29 Aug 2008 11:31:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-364204</guid>
		<description>Trent,

You don&#039;t need a mini-van or SUV unless you add a fourth (not third) child. Most cars easily fit three children across the rear seat, including two car seats. You may end up with this type of vehicle as you research the various options available to you, but I would bear in mind that having a third child doesn&#039;t mean you *need* one. 

As the second child starts school and more than one of your children has a friend home to play after school, then more seats may be useful, but again not essential. Of course this is not a problem at all if you can walk to school and is also a few years off for your family.

We have RAC (AAA equivalent) membership and pay almost £200 ($400!) for annual family membership. So at $30-70/year, yes it is most definitely worth it! :) Personally I would opt for the full blown option if you choose to have it at all - ie spouse/roadside/home/towed to your choice of destination etc.</description>
		<content:encoded><![CDATA[<p>Trent,</p>
<p>You don&#8217;t need a mini-van or SUV unless you add a fourth (not third) child. Most cars easily fit three children across the rear seat, including two car seats. You may end up with this type of vehicle as you research the various options available to you, but I would bear in mind that having a third child doesn&#8217;t mean you *need* one. </p>
<p>As the second child starts school and more than one of your children has a friend home to play after school, then more seats may be useful, but again not essential. Of course this is not a problem at all if you can walk to school and is also a few years off for your family.</p>
<p>We have RAC (AAA equivalent) membership and pay almost £200 ($400!) for annual family membership. So at $30-70/year, yes it is most definitely worth it! :) Personally I would opt for the full blown option if you choose to have it at all &#8211; ie spouse/roadside/home/towed to your choice of destination etc.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Anitra</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-360783</link>
		<dc:creator>Anitra</dc:creator>
		<pubDate>Sat, 23 Aug 2008 14:17:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-360783</guid>
		<description>I grew up thinking that AAA was a waste of money... my husband convinced me otherwise, though. Even though we do the vast majority of maintenance ourselves, we&#039;ve called AAA three times in the last two years, and they&#039;ve been a lifesaver. Twice for flat tires that just WEREN&#039;T coming off without power tools (one was even parked in our driveway, but we could NOT get the wheel off).. and once to get towed back onto the highway after sliding into a ditch in the median in icy conditions.

We use the discounts sometimes, too, but the roadside assistance has definitely been worth the money; and will be even more so once we start transporting children.</description>
		<content:encoded><![CDATA[<p>I grew up thinking that AAA was a waste of money&#8230; my husband convinced me otherwise, though. Even though we do the vast majority of maintenance ourselves, we&#8217;ve called AAA three times in the last two years, and they&#8217;ve been a lifesaver. Twice for flat tires that just WEREN&#8217;T coming off without power tools (one was even parked in our driveway, but we could NOT get the wheel off).. and once to get towed back onto the highway after sliding into a ditch in the median in icy conditions.</p>
<p>We use the discounts sometimes, too, but the roadside assistance has definitely been worth the money; and will be even more so once we start transporting children.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Ed</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-360762</link>
		<dc:creator>Ed</dc:creator>
		<pubDate>Sat, 23 Aug 2008 13:37:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-360762</guid>
		<description>No real advise besides what has been written, but wanted you to know that you have a regular reader who lives in Cumberland. If you had to spend time hanging out, then you couldn&#039;t have picked a better town:)

If you had been a few days later, you could have hung out at the Rutabaga Festival.

Love your blog, by the way.</description>
		<content:encoded><![CDATA[<p>No real advise besides what has been written, but wanted you to know that you have a regular reader who lives in Cumberland. If you had to spend time hanging out, then you couldn&#8217;t have picked a better town:)</p>
<p>If you had been a few days later, you could have hung out at the Rutabaga Festival.</p>
<p>Love your blog, by the way.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: steve</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-360520</link>
		<dc:creator>steve</dc:creator>
		<pubDate>Sat, 23 Aug 2008 03:35:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-360520</guid>
		<description>RE: Dawn&#039;s comment--&quot;My husband did not want to get rid of his truck. We looked back at how much we had spent in the past 6 months on repairs (did this by checking our spreadsheet and credit card statements) plus how much we anticipated spending the next 6 months and compared that amount to a car payment. the car payment was much less. Sometimes it really is worth it to get the newer car now.&quot;


Maybe, maybe not.  
One thing that is easy to forget is that just is that, when we are talking about major repairs, the expenses won&#039;t keep continuing on a monthly basis.  So, if you&#039;re doing transmission, engine, and suspension work over 12 months, when you look at the cost it looks high, maybe higher than  the new car payment.  However, those repairs will be paid for in cash and  will last another 5 years, while the car payments will continue on for an additional 4 years.  When you look at it that way, the repairs look a lot cheaper.  

Of course, at some time we make the decision to buy something different.  But it&#039;s worthwhile to look carefully at the psychology and finances of what we are doing.  It&#039;s possible to make false assumptions about future &quot;high bills&quot; based upon what we&#039;ve recently spent.</description>
		<content:encoded><![CDATA[<p>RE: Dawn&#8217;s comment&#8211;&#8221;My husband did not want to get rid of his truck. We looked back at how much we had spent in the past 6 months on repairs (did this by checking our spreadsheet and credit card statements) plus how much we anticipated spending the next 6 months and compared that amount to a car payment. the car payment was much less. Sometimes it really is worth it to get the newer car now.&#8221;</p>
<p>Maybe, maybe not.<br />
One thing that is easy to forget is that just is that, when we are talking about major repairs, the expenses won&#8217;t keep continuing on a monthly basis.  So, if you&#8217;re doing transmission, engine, and suspension work over 12 months, when you look at the cost it looks high, maybe higher than  the new car payment.  However, those repairs will be paid for in cash and  will last another 5 years, while the car payments will continue on for an additional 4 years.  When you look at it that way, the repairs look a lot cheaper.  </p>
<p>Of course, at some time we make the decision to buy something different.  But it&#8217;s worthwhile to look carefully at the psychology and finances of what we are doing.  It&#8217;s possible to make false assumptions about future &#8220;high bills&#8221; based upon what we&#8217;ve recently spent.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: ethanssister</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-360476</link>
		<dc:creator>ethanssister</dc:creator>
		<pubDate>Sat, 23 Aug 2008 01:56:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-360476</guid>
		<description>I reccomend AAA as it has been very helpful to me over the years, between the roadside assistance and all of the discounts I&quot;m sure the membership has paid for itself every year.  By any chance was the gas station in Cumberland Bob and Steve&#039;s BP?</description>
		<content:encoded><![CDATA[<p>I reccomend AAA as it has been very helpful to me over the years, between the roadside assistance and all of the discounts I&#8221;m sure the membership has paid for itself every year.  By any chance was the gas station in Cumberland Bob and Steve&#8217;s BP?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Steve O</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-359788</link>
		<dc:creator>Steve O</dc:creator>
		<pubDate>Fri, 22 Aug 2008 03:40:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-359788</guid>
		<description>The cars I&#039;ve owned: 1966 Mercury Monterey, purchased new by my parents; 1973 AMC Gremlin, purchased new; 1980 Dodge Colt (built by Mitsubishi in Japan), purchased in 1982; 1987 Dodge Colt (built by Mitsubishi in Japan), totaled after 16 months; 1989 Nissan Sentra (built in Tennessee), purchased new; 1991 Ford Tempo, purchased for $1,200 from a state of Illinois auction in 1997 and driven for more than nine years until the transmission went out; 1994 Dodge Caravan, purchased used from my mom in 2001. 

Far and away the best car was the &#039;89 Sentra. I paid $8,300 for it, cash, out the door, sold it for $500 13 years later. It had the original hoses, alternator, starter, fuel pump and water pump. It had a small rear main seal leak the last year or two. 

It failed to start only once. Bad clutch safety relay. I bridged it with a piece of wire until I could get a replacement. I had the the clutch resurfaced at 123,000 miles.</description>
		<content:encoded><![CDATA[<p>The cars I&#8217;ve owned: 1966 Mercury Monterey, purchased new by my parents; 1973 AMC Gremlin, purchased new; 1980 Dodge Colt (built by Mitsubishi in Japan), purchased in 1982; 1987 Dodge Colt (built by Mitsubishi in Japan), totaled after 16 months; 1989 Nissan Sentra (built in Tennessee), purchased new; 1991 Ford Tempo, purchased for $1,200 from a state of Illinois auction in 1997 and driven for more than nine years until the transmission went out; 1994 Dodge Caravan, purchased used from my mom in 2001. </p>
<p>Far and away the best car was the &#8217;89 Sentra. I paid $8,300 for it, cash, out the door, sold it for $500 13 years later. It had the original hoses, alternator, starter, fuel pump and water pump. It had a small rear main seal leak the last year or two. </p>
<p>It failed to start only once. Bad clutch safety relay. I bridged it with a piece of wire until I could get a replacement. I had the the clutch resurfaced at 123,000 miles.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Sunbee</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-359690</link>
		<dc:creator>Sunbee</dc:creator>
		<pubDate>Thu, 21 Aug 2008 23:58:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-359690</guid>
		<description>If you take car trips, AAA is worth it.  If you drive older vehicles, AAA is worth it.  If you like maps of where you&#039;re driving to, AAA is worth it.  (At least, I can&#039;t get, say, good maps of DC or NYC locally here.)  If your mom looses her car keys to her new car in the grocery store while visiting you 500 miles from Dad and his spare keys, AAA is worth it.  (It goes to you, not the car, so you can use it as a passenger.)
Hotel and restaurant discounts are nice, though probably not worth the cost of membership by themselves.  Car rental for a 5000 mile round trip over three weeks: the discounts paid for the membership (tip, price through your local AAA rep, not on line with the AAA code.  Made almost a $10/day price difference for us.)  Breaking down on an interstate exchange 900 miles from home, with two small children, a cello, and me pregnant 45 miles from a wedding, definitely worth having AAA.  Towing in LA is really expensive.
We did have one time AAA couldn&#039;t help us: it was -40 or so--the thermometer wouldn&#039;t register, the car wouldn&#039;t start.  Neither would the tow truck!
We have Plus membership, since we live in a rural area and drive a lot, and with a 93 and a 95 (and four small children) we get our money&#039;s worth.
I&#039;m afraid you are destined for a minivan: we never have found a car you can fit 3 carseats/boosters across the back.  The 08 Toyota Sienna will seat three car seats on a bench, but our &#039;95 Ford Windstar will only seat two.</description>
		<content:encoded><![CDATA[<p>If you take car trips, AAA is worth it.  If you drive older vehicles, AAA is worth it.  If you like maps of where you&#8217;re driving to, AAA is worth it.  (At least, I can&#8217;t get, say, good maps of DC or NYC locally here.)  If your mom looses her car keys to her new car in the grocery store while visiting you 500 miles from Dad and his spare keys, AAA is worth it.  (It goes to you, not the car, so you can use it as a passenger.)<br />
Hotel and restaurant discounts are nice, though probably not worth the cost of membership by themselves.  Car rental for a 5000 mile round trip over three weeks: the discounts paid for the membership (tip, price through your local AAA rep, not on line with the AAA code.  Made almost a $10/day price difference for us.)  Breaking down on an interstate exchange 900 miles from home, with two small children, a cello, and me pregnant 45 miles from a wedding, definitely worth having AAA.  Towing in LA is really expensive.<br />
We did have one time AAA couldn&#8217;t help us: it was -40 or so&#8211;the thermometer wouldn&#8217;t register, the car wouldn&#8217;t start.  Neither would the tow truck!<br />
We have Plus membership, since we live in a rural area and drive a lot, and with a 93 and a 95 (and four small children) we get our money&#8217;s worth.<br />
I&#8217;m afraid you are destined for a minivan: we never have found a car you can fit 3 carseats/boosters across the back.  The 08 Toyota Sienna will seat three car seats on a bench, but our &#8217;95 Ford Windstar will only seat two.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Leigh</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-359643</link>
		<dc:creator>Leigh</dc:creator>
		<pubDate>Thu, 21 Aug 2008 22:59:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-359643</guid>
		<description>AAA is well worth it to me.  Not only do I get the peace of mind knowing that they can unlock my car (or a car I&#039;ve borrowed or rented) if my keys are locked inside, tow it somewhere for me, and fix flats for me, but they also give discounts on everything from hotels to restaurants to lots of different stores.  It&#039;s paid for itself several times over for me.</description>
		<content:encoded><![CDATA[<p>AAA is well worth it to me.  Not only do I get the peace of mind knowing that they can unlock my car (or a car I&#8217;ve borrowed or rented) if my keys are locked inside, tow it somewhere for me, and fix flats for me, but they also give discounts on everything from hotels to restaurants to lots of different stores.  It&#8217;s paid for itself several times over for me.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Bennett</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-359551</link>
		<dc:creator>Bennett</dc:creator>
		<pubDate>Thu, 21 Aug 2008 20:57:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-359551</guid>
		<description>I paid AAA fees for many years.  Twice they did not deliver when I needed them.  The car broke on  holiday week ends when AAA said they were very busy and could not promise a time for a tow.  Seems like a waste of money.

As to paying cash for a car, have you ever done it?  I paid cash for my last 3 cars over the last 10 years...a Mercedes, a Lexus and lastly a Toyota.  In each case there was no reduction in the vehicle cost.  Nothing was taken off for paying cash. I&#039;ve read that you can get cents off when financing, because that is one of the ways dealerships make money.  Probably you end up paying about the same for a car either way at least if you finance for 2 years.  Let me know if you get a deal for paying cash.</description>
		<content:encoded><![CDATA[<p>I paid AAA fees for many years.  Twice they did not deliver when I needed them.  The car broke on  holiday week ends when AAA said they were very busy and could not promise a time for a tow.  Seems like a waste of money.</p>
<p>As to paying cash for a car, have you ever done it?  I paid cash for my last 3 cars over the last 10 years&#8230;a Mercedes, a Lexus and lastly a Toyota.  In each case there was no reduction in the vehicle cost.  Nothing was taken off for paying cash. I&#8217;ve read that you can get cents off when financing, because that is one of the ways dealerships make money.  Probably you end up paying about the same for a car either way at least if you finance for 2 years.  Let me know if you get a deal for paying cash.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Steve in TN</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-359248</link>
		<dc:creator>Steve in TN</dc:creator>
		<pubDate>Thu, 21 Aug 2008 13:05:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-359248</guid>
		<description>AAA is worth every penny.  Of course all the &quot;horror&quot; stories will be told when a particular service is mentioned.  My experience in the 10+ years I have had it have been the best of any service/product I have purchased.  I typically drive vehicles 4+ years old and AAA has saved my bacon many times.

I absolutely refuse to let my wife out of the house unless she has her AAA+ card and a working cell phone with her...</description>
		<content:encoded><![CDATA[<p>AAA is worth every penny.  Of course all the &#8220;horror&#8221; stories will be told when a particular service is mentioned.  My experience in the 10+ years I have had it have been the best of any service/product I have purchased.  I typically drive vehicles 4+ years old and AAA has saved my bacon many times.</p>
<p>I absolutely refuse to let my wife out of the house unless she has her AAA+ card and a working cell phone with her&#8230;</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Missy</title>
		<link>http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/comment-page-4/#comment-358947</link>
		<dc:creator>Missy</dc:creator>
		<pubDate>Thu, 21 Aug 2008 02:35:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/08/18/a-vacation-disaster-and-six-thoughts-about-what-to-do-next/#comment-358947</guid>
		<description>Leinie&#039;s Rocks! ;) 
Glad you enjoyed your time with us &#039;Sconies. Sorry about the truck...</description>
		<content:encoded><![CDATA[<p>Leinie&#8217;s Rocks! ;)<br />
Glad you enjoyed your time with us &#8216;Sconies. Sorry about the truck&#8230;</p>
]]></content:encoded>
	</item>
</channel>
</rss>

