Should I Buy a New or Used Car, Or Should I Lease? Allstate #what #is #the #value #of #my #car


#buy a used car
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Picking a Car: Should I Buy a New or Used Car

Car shopping can be confusing, to say the least. Should you buy a new car, a used car, or does a lease make the most sense for your situation? We’ll look at the pros and cons of each option to help you make an informed decision.

No matter what you end up buying, you’ll need insurance it’s mandatory in most states and a smart idea, period. At Allstate, we have 15 auto insurance discounts to help you save.

New Cars

The Benefits of Buying a New Car

In addition to that new car smell, buying a new vehicle lets you choose exactly the car you want. You’re also getting the latest automotive and technological advancements. That’s great when you’re just talking about something optional, like an in-dash GPS unit with the latest bells and whistles. But it’s even more important when it comes to safety features, like airbags or electronic stability systems.

And while new cars can be more expensive, the Internet has made it easier than ever to track manufacturer and dealer incentives like rebates and low-interest financing.

New cars are less likely to need mechanic visits, which may offer additional peace of mind, especially since many car companies cover repair costs as part of the new car’s warranty. Find out more about auto warranty features and limitations in our What’s In a New Car Warranty article .

Check out our Bumper-to-Bumper Basics tool for information about factors in your lifestyle that can influence your auto insurance decision.

And for tips on squeezing every last mile from your gas tank, read our tips for increasing your gas mileage .


Temporary Cover Car Insurance – Insure for a day or a month #market #value #of #cars


#temp car insurance
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Temp Cover Car Insurance Quote in an instant

So, you and a friend are taking a long journey and want to split the driving, or perhaps you want to borrow someone’s car to move home or take a trip, maybe you’re even going away for a few days and need a car while you’re there.

Whatever your reason for needing temporary car insurance, you don’t want to pay any expensive 12 month premiums for such a short amount of time.

Temporary and Short Term Car Insurance

Wanting to insure a car for a day, week or a full month can be useful in a number of circumstances and it doesn’t have to be as complicated or expensive as you may think. Most specialist insurers offer this type of cover whether you’re borrowing a car from a friend of relative, lending your car out for a short time, or looking for immediate, drive-away insurance on a car you just bought.

What s normally covered –

  • Any damage to the car whether it s your fault or someone elses
  • Fire, theft and vandalism
  • Injury and any legal obligations surrounding this

Recommended cover

There are not many insurance companies that offer such a hassle free and straightforward way to insure your car short term than www.insure4aday.co.uk .

They specialise in providing this type of cover quickly and efficiently at a price that won’t break the bank either.

In four simple steps you can get immediate and comprehensive cover for one day, one week, or one month, so you don’t have to worry about filling out countless questionnaires or providing endless personal details.

Click here to get a quick quote for temporary motor insurance

Their policies offer cover for up to two drivers on a short term basis, whatever your reasons, with secure online credit or debit card transactions and immediate emailing of documentation once payment has been made.

The website is extremely straight forward. containing all the information you need to go ahead with a short term policy and with a five of five star rating from over 10,000 customers already, we can’t think of a better option for your temporary motor insurance.

  1. Simply complete your details on the proposal form
  2. Accept your quote and make payment
  3. Print your certificate at home
  4. Enjoy your cover and peace of mind!

Why get short term car insurance?

It is an offence to drive a vehicle without insurance, even if it is for a single trip or just one day.

Getting caught without the appropriate cover could be more costly and damaging than the simple purchase of temporary insurance. let alone the risk if you were to be involved in an accident.

Short term car insurance is a cost effective way to make sure you don’t fall foul of the regulations and you are safe and covered if anything was to happen while you, or a another party, is behind the wheel.

The alternative is to purchase a full 12 months policy, which can be extremely expensive, or add additional drivers to an existing policy, which again could work out costly and also risk any future no claims discounts if an accident was to happen. Taking out temporary insurance means that you save money and don’t risk losing those valuable no claims bonuses.

Typically, temp cover car insurance is available for between 1 and 28 days. regardless of the circumstances. It is entirely up to you how long you need the cover for but bear in mind you are only covered for the exact number of days as specified when taking out the policy.

Continuing to drive the vehicle after midnight on the day the policy ends means you are not covered and therefore driving illegally. Think carefully about how long you genuinely need the vehicle for and be vigilant about it.

There are a few conditions that usually apply to temporary insurance policies; the driver must be over 21 years of age (in some cases, 25), and must have held a full UK, EU or EEA driving license for longer than 12 months.

As with all insurance policies, the cost will vary from person to person depending on things like the type and size of vehicle, but short term cover can be especially reasonable with the right insurer.

Get started with your temp insurance cover here

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Floor Mats for Car, Truck, Van or SUV. Custom Made, Shipped for Free. #alpine #car #audio


#floor mats for cars
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Why Shop With Us? We Offer the Best Value For Auto Floor Mats!

Choose your car floor mats made in Plush tufted nylon, Ultra Plush tufted nylon, Stain Resistant tufted nylon and durable yet stylish Berber, available in a total of 29 different carpet colors! Personalize your automotive floor mats with custom binding colors, embroidery and heel pads.

Quality Car Mats is THE auto floor mat experts. Whether you drive a car, truck, SUV or van, we have custom automotive floor mats to protect your vehicle’s interior. Our mats are custom made for an exact fit, usually offering additional coverage over stock OEM auto floor mats. To add the final, custom touch to your car floor mats, you can add optional serged binding, have just about anything you can imagine embroidered or include a heel pad to protect the high wear area.

Our auto floormats are available in 4 carpet styles (Plush, Ultra-Plush, Stain Resistant and Luxury Berber) to suit both your taste and budget. These styles of auto carpet are available in 29 different colors assuring a match for every vehicle interior. Our standard shipping is always FREE which is yet another reason to shop from THE Custom Car Floor Mat Experts .


Should I take a lump-sum payout or monthly payments? Ultimate Guide to Retirement, lump sum or payments.#Lump #sum #or #payments


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Should I take a lump-sum payout or monthly payments?

Sorry to do this to you, but the best answer is: It depends.

Steady payments: Most people choose a monthly payout, also known as a life annuity. Having that steady income can make for less stress than taking a big lump sum, especially if you aren’t an experienced investor.

Lump sum: If you take a lump sum, you must assume responsibility for how the money is invested and how much you can afford to spend each month. One danger with a lump sum is that you may be tempted to spend too much today, leaving you short of money down the line. By choosing a steady monthly payout, you’ll avoid the temptation to run through your pension stash.

But there are other factors to consider, too. For more see What are the advantages of taking a lump sum?

Lump sum or payments

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Lump sum or payments Lump sum or payments


Nursing Schools in Baltimore, MD #nursing #schools #in #baltimore #md, #portland #nursing #schools, #nursing #programs #in #portland #oregon, #lpn #programs #in #portland #oregon, #lpn #programs #in #portland #or


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Nursing Schools in Baltimore Maryland

The large city of Baltimore can be an excellent place to begin your New England nursing career. This city of 621,000 people has dozens of nationally-renowned healthcare organizations, many of which depend on their nurses to provide excellent patient care. Whether you’re interested in becoming a license practical nurse, a registered nurse, or an advanced practice nurse, the city of Baltimore has schools and employers that may be just right for you.

Whether you are looking for LPN programs in Baltimore, MD or doctoral programs in nursing, you can find them on our site. Choose the type of nursing program you are looking for below, then request information from the schools you find to learn more.

Baltimore Nursing Schools

In general, nursing salaries in the Baltimore area tend to be fairly similar to the national average. The Bureau of Labor Statistics indicates that licensed practical nurses claim an average salary of $ 52,240 per year. The median income for a registered nurse is $ 75,780 per year; this salary is considerably higher than the national average (BLS, 2016 ). Nurse practitioners and nurse midwives tend to earn an average of $ 108,590 per year (BLS, 2016 ). The highest paid nursing professionals in Baltimore tend to be nurse anesthetists; they have a median salary of $ 133,360 per year (BLS, 2016 ).

Life and Career Options in Baltimore

If you’re getting ready to attend nursing school in Baltimore, you may want to look into employment backed financial assistance. There are many healthcare employers in this area that offer tuition assistance or tuition reimbursement to nursing students. You may need to agree to work for your employer for a set amount of time after graduation to take advantage of these benefits. Greater Baltimore Medical Center has the Medical Staff Professional Education Fund; employees that have passed their initial probation period may be able to receive financial assistance. At the University of Maryland Medical Center. full-time employees may receive up to 100% tuition reimbursement if they are studying nursing or another healthcare subject. The maximum tuition reimbursement rate for students at approved colleges is $6,000 per year. Tuition reimbursement is an employee benefit at Bon Secours Health System.

Balitimore Area Hospitals

Working for a Magnet facility in Baltimore may give you the chance to participate in nursing research and work to advance the field of nursing. Magnet recognition goes through the American Nurses Credentialing Center. and often signifies high quality facilities. Sinai Hospital is a well-known Magnet facility in Baltimore. In 2011, Mercy Medical Center received Magnet certification. Possibly the best-known Magnet facility in Baltimore or even the country is Johns Hopkins Medicine. located near the heart of the city.

Curriculum, Costs, and Financial Aid

To become a successful professional nurse, you need a wide variety of skills and abilities. Nursing schools in Baltimore can give you the training and knowledge that you need to succeed in this profession. With courses like Pathophysiology, Pharmacology, Practical Nursing Skills, and Health Assessment, you can get a strong medical background while learning essential nursing skills and tasks. Instructors will be looking for a strong ability to connect with patients and a desire to always increase your knowledge. Nursing schools have stringent clinical requirements, so plan on spending well over 700 hours in local clinics, hospitals, and nursing homes to hone your skills.

Tuition costs vary significantly between schools, but it’s also important to look at financial aid as well. At Baltimore City Community College. residents pay $88 per credit hour and non-residents pay $225 per credit hour. Tuition is slightly more expensive at the University of Maryland. where tuition is $3,965 per year for residents and $14,730 per year for non-residents. One of the more expensive options in the region is Johns Hopkins. The entire 13-month program is just over $69,000.

Baltimore students may have access to many scholarships and grants. The State Nursing Scholarship and Living Expenses Grant is awarded by the Maryland Higher Education Commission. The Baltimore Community Foundation awards a wide range of nursing scholarships.

MSN Programs from Maryland Schools

Listed below are all of the nationally accredited MSN programs with campus locations in Maryland.

Program Name: Adult Acute/Critical Care Nurse Practitioner, Adult Nurse Practitioner, Clinical Nurse Specialist – Forensic Nursing Focus, Clinical Nurse Specialist/Health Systems Management, Family Nurse Practitioner, Health Systems Management: Emergency Preparedness/Disaster Response, MSN-PhD, MSN/MBA, MSN/MPH, Pediatric Nurse Practitioner, Public Health Nursing, Women s Health CNS/Nurse Midwifery Track (Midwifery is in partnership with Shenandoah University)
Accreditation:CCNE accredited

Program Name: Master of Science in Nursing – Adult – Gerontology Practitioner, Master of Science in Nursing – Family Nurse Practitioner, MSN – Executive Leader, MSN – Nurse Educator, MSN – Nurse Informatics


Nissan Special Lease Deals NY, Nissan Financing Offers, lease or buy nissan leaf.#Lease #or #buy #nissan #leaf


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New Specials

New 2017 Nissan Leaf S Hatchback

$ 139 Lease for 36 months $0 down

NO DOWN PAYMENT! Two or more available at this price

Model #17017 – VIN #1N4BZ0CP0HC310026 Two or more available at this price

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New 2017 Nissan Versa Sedan S

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New 2017 Nissan Rogue S AWD 2017.5

$ 279 Lease for 36 months $0 down

$279 per month with tax, bank fee and destination included! Two or more available at this price

Model: #22217 – VIN: #5N1AT2MV7HC848945 – Two or more available at this price View Nissan Rogue Inventory

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New 2017 Nissan Sentra S

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New 2017 Nissan Sentra S

$ 188 Lease for 36 months $0 down

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New 2017 Nissan Altima 2.5 S

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New 2017 Nissan Altima 2.5 S

$ 279 Lease for 36 months $0 down

$279 per month with tax, bank fee and destination included! Two or more available at this price

Model 13117 – VIN #1N4AL3AP4HC210349 – Two or more available at this price View Nissan Altima Inventory

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New Nissan Specials

At Kingston Nissan, we offer new Nissan Lease Specials and Nissan Manufacturer Financing Offers and Incentives to save you money. Start saving by browsing through Special Deals available on Nissan models such as the New 2016 or 2017 Sentra, Altima, Rogue, LEAF, Maxima, Murano, Versa, Quest, JUKE, Titan, Pathfinder, Frontier and all other Nissan models for sale in NY.


Is there reboot or restart log to explain why or what? Windows 7 Help Forums #is #there #reboot #or #restart #log #to #explain #why #or #what?, #windows, #seven, #microsoft, #windows #7, #windows #7 #forums, #windows #7 #tutorials, #windows #help, #support, #dell, #acer, #hp, #asus


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Windows 7: Is there reboot or restart log to explain why or what?

Random re-boots are a difficult thing to trace as the actual event does not give the operating system time to react and write an error message – you may find some clues in the Event manager – but this may be misleading as the actual cause of the re-boot is rarely logged.

To find the Event Log right click on Computer and select manage

The most common cause of random re-boots is probably the Power supply but of course there are other possibilities.

First things to do is check that the specification of the PSU is sufficient for the hardware installed

Keyboard Logitech Wireless K710 K400
Mouse Logitech Wireless MX Master M570 Trackball
PSU Aerocool Templarius Imperator 750W 80+ Silver
Case AeroCool X-Warrior Devil Red Tower
Cooling Stock CPU, Rear 120mm, Front 2x120mm, Side 2x120mm
Hard Drives Internal Crucial 256GB SSD, WDC WD30EZRX-00D8PB0 3TB, Toshiba HDWD130 3TB Seagate ST2000DM001-1CH1 2TB, External (USB3) Seagate Backup+ Hub BK SCSI Disk 8TB 2.5/3.5 Hot Swap Cradle, USB3 + eSata (client HDDs) NAS Seagate ST4000DM000
Internet Speed Orange Fibre Broadband 37Mb/s Down – 9.5Mb/s Up
Antivirus Bitdefender Total Security 2017 Multi-device
Browser Chrome (always run latest Non-Beta)
Other Info Also run. Desktop – 6Core 8GB – Windows 10 Enterprise x64, Laptop – Quad 8GB – Windows 10 Pro x64 Netbook – Ubuntu Not used often 😉 2 x Nexus 7 Android tablets Samsung 10.2 tablet + Keyboard and Logitech T620 Mouse Sony Z3 Android Smartphone HTC One Android Smartphone

Also having this problem

I am also having this problem. It’s happened 2 or 3 times so far (I got a new machine a couple of months ago) and it always happens when I am away and the machine is idle. At first I thought it was Windows Update but I have that set to not install without my telling it to do so. I looked at the Task Manager and figured out how long the system has been up, so I went to System Events and found the events after the reboot. I’ve got this message after it restarts:

The system has rebooted without cleanly shutting down first. This error could be caused if the system stopped responding, crashed, or lost power unexpectedly .

The first message after the reboot is at 11:40:32am and the previous message was at 10:17 so there is nothing obvious there (I guess it could show that it was not a clean shutdown since there are likely lost messages). I checked my C: disk for files modified around 11:40 to see if I could figure out what was going on when it rebooted. At 11:38, there is activity in
C:\Users\bill\AppData\Local\Microsoft\Feeds\FeedsStore.feedsdb-ms

Also FeedsStore.feedsdb-ms and Internet Explorer Suggested Sites

feed-ms in the same directory structure.

Obviously other files might have been updated right before the reboot but they’ve been updated since then.

I doubt this has anything that will help solve the problem but hopefully the next person who has it will add their information and maybe we can figure it out.

Quote: Originally Posted by MisterBill2

I am also having this problem. It’s happened 2 or 3 times so far (I got a new machine a couple of months ago) and it always happens when I am away and the machine is idle. At first I thought it was Windows Update but I have that set to not install without my telling it to do so. I looked at the Task Manager and figured out how long the system has been up, so I went to System Events and found the events after the reboot. I’ve got this message after it restarts:

The system has rebooted without cleanly shutting down first. This error could be caused if the system stopped responding, crashed, or lost power unexpectedly .

The first message after the reboot is at 11:40:32am and the previous message was at 10:17 so there is nothing obvious there (I guess it could show that it was not a clean shutdown since there are likely lost messages). I checked my C: disk for files modified around 11:40 to see if I could figure out what was going on when it rebooted. At 11:38, there is activity in
C:\Users\bill\AppData\Local\Microsoft\Feeds\FeedsStore.feedsdb-ms

Also FeedsStore.feedsdb-ms and Internet Explorer Suggested Sites

feed-ms in the same directory structure.

Obviously other files might have been updated right before the reboot but they’ve been updated since then.

I doubt this has anything that will help solve the problem but hopefully the next person who has it will add their information and maybe we can figure it out.

run the program and it will tell you why your computer crashed.

this has worked great for me.

Display Driver stopped working, will not reboot, restart loop
Hello, first time posting here, so be gentle, graphics card: ATI Radeon HD4870 x2 running on windows 7 x64 ultimate so i have had this problem before, basically i was browsing away and my whole pc froze, with a strange little box around my cursor, although the sound was still working, i.

Crash dump failed to initialize x2 on each reboot/restart
Friends I’d like to rid myself of this annoyance: on each startup/restart/reboot I get a pair of these errors, about 15 seconds apart. System is a P4 desktop, 4GB ram, conventional hdd, windows 7 ulti x64. appreciate your advice z

BSOD Help and Support

Monitor loses signal during reboot after install requiring restart
HP Pavilion Elite HPE-170t CTO Desktop PC HP 2509M Monitor connected with HDMI cable Windows 7 64-bit I bought this pc from HP in 2010. It ran perfectly until i got a virus a few months back and lost both hard drives due to corruption and had to start from scratch. I had a local.

Hardware Devices

Windows 7 reverts back to old wireless profile on reboot,restart,wake
😡 Windows 7 continues to revert back to the old wireless profile despite me deleting all old wireless profiles. Wireless adapter is Edimax EW-7128g, newest drivers for Windows 7 64bit First set up a WEP profile the usual manner by connecting using the bottom-right wireless networking.

Network Sharing

[REBOOT] Sudden Random Reboot and black screen at start up!
– x64; – the original installed OS on the system: Windows 7 fresh install; – full retail version; – What is the age of system (hardware): less than one year; – What is the age of OS installation: less than three months. Hello, this morning my elitebook 8540w suddenly rebooted and during.

BSOD Help and Support

On overheat/sleep/reboot BSOD flash and auto-reboot
I purchased my HP Compaq 8710p laptop from Purdue University in May of 2008. A little after that it was stolen from me. Thankfully I had it LoJack secured, and they were able to recover it in London. When I got my computer back, however, the Windows XP that it had come pre-installed with was.

BSOD Help and Support


How to donate a car or boat to charity. #morgan #cars


#donate your car
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How to donate a car or boat to charity

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Not necessarily. As the saying goes, the road to h-e-double-hockey-sticks is paved with good intentions, and it can be surprisingly easy to fumble this well-meaning act.

Before you hand one of your biggest assets over to anyone, read the following tips to be sure you’re making the right moves.

1. Avoid middlemen. Numerous for-profit intermediary organizations advertise aggressively on TV, billboards and elsewhere, offering to help you donate your vehicle to charity. Here’s the catch: These organizations typically keep about 50 percent to 90 percent of the vehicle’s value for themselves, and the charities don’t get what they could have gotten. To prevent this, check directly with charities you admire and find out whether they accept car or boat donations.

2. Find a worthy charity. If the charities you normally support aren’t equipped to accept such donations, do some homework until you find a reputable charity that is. You can research charities’ track records online at this Better Business Bureau site and through Charity Navigator.

3. Check the math. If you still feel compelled to use an intermediary organization – possibly because you’re busy – at least ask the organization how much of the car or boat’s value will go to charity. If the organization simply gives charities flat fees — say, $100 for a used vehicle regardless of its value, or $2,000 a month — your donation may not be eligible for a tax deduction.

4. Know the status of your recipient. In order for you to qualify for a deduction, the charity that gets your donation must be an IRS-approved 501(c)(3) organization. Your church, synagogue, mosque or temple likely qualifies. (Check first just to make sure.) You also can visit the Internal Revenue Service’s Web site and search for Publication 78 to find other qualifying non-profit organizations. (Just type “78” into the search field on the IRS home page and you’ll be directed to the right publication.)

5. Do the delivery yourself. Once you’ve identified a worthy charity, recognize that it will have to pay someone to pick up your car or boat for you. To help the charity maximize the benefit of your donation, drop the car or boat off yourself.

6. Transfer the vehicle with care. Want to eliminate all risk of running up parking tickets and other violations after you’ve said goodbye to your donated vehicle? Then formally re-title the vehicle to the charity, and report the transfer to your state’s department of motor vehicles or licensing. Never agree to leave the ownership space on the charity donation papers blank.

7. Your estimate of the donation’s value probably won’t cut it. If your car or boat is worth more than $500, the IRS is going to want to see evidence of how much the charity got for it. (Most charities that accept these donations turn around and sell them for cash.) You’ll need to get a receipt from the charity revealing exactly how much money it made.

8. Know when you can report the fair market value. You won’t need evidence of the sales price if the charity keeps the vehicle or vessel and uses it in its charitable work, or if your donation is worth less than $500. Then you can report its fair market value based on listings from Kelley Blue Book and similar sources.

9. Keep a thorough paper trail. If your donation is worth more than $500, you’ll have to attach IRS Form 8283 to your tax return. If it’s worth more than $5,000, your documentation must include an outside appraisal. You’ll also need proof of the donation, such as a receipt from the charity and a copy of the title change.

10. Be detail-oriented. This paper trail may seem cumbersome, but think about it: This may be one of the biggest charitable donations you ever make. By taking the time to dot the i’s, you can make sure that the charity gets the most benefit and you get the biggest possible deduction.

Sources and resources

  • Charity Navigator
  • Better Business Bureau
  • Consumer Reports Money Adviser
  • Internal Revenue Service

Should You Sell or Trade in Your Vehicle? #car #insurances


#trade in cars
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Should You Sell or Trade in Your Vehicle?

You need to consider the tax impact of selling your vehicle outright and buying another vehicle in a separate transaction or trading in your old vehicle for another.

Personal-use Property vs Business-use Property

Keep in mind, a loss incurred on the disposal of personal-use property is not deductible unless the loss was the result of a casualty or theft. However, a gain on the disposal of personal-use property is taxable.

A loss on the disposal of business-use property, on the other hand, is deductible and a gain is taxable.

For example, say you sold a vehicle that you used 80% for business and 20% for personal use and that you incurred a loss. You may deduct 80% of the loss against business income. The other 20% related to personal use is not deductible.

If you sold the vehicle at a gain (which is unlikely), and used the vehicle 80% for business and 20% for personal use, 100% of the gain is taxable.

When disposing of your old vehicle and buying a replacement, you can elect to treat the transaction as either a taxable sale or nontaxable exchange.

Taxable Sale:

  • This is when you sell your old vehicle in one transaction, then buy another one in a separate transaction.

Nontaxable Exchange:

  • This is when you trade-in your old vehicle for a replacement.

Taxable Sale of a Car Used for Business

If a loss would result if you sold your old vehicle, you’re better off just selling it outright rather than trading it in because you can deduct the loss in the year of sale and reduce your taxes.

A loss would occur if the adjusted basis of old vehicle exceeds what you could sell it for (its fair market value).

Nontaxable Exchange (trade-in old vehicle)

When You Should Trade In Your Vehicle:

  • If a gain would result if you sold your old vehicle outright, you’re better off trading it in. This is because you can defer (postpone) reporting the gain by trading it in (exchanging it) for another vehicle. You don’t report the gain on a trade-in.

A gain occurs if.

  • the fair market value of what you receive exceeds the adjusted basis of the vehicle you trade in plus any additional amount you pay for the new vehicle.

Example:

  • You trade in your old vehicle with an adjusted basis of $3,000.
  • The fair market value (FMV) of the new vehicle is $7,500.
  • The dealer allows a $3,500 trade-in allowance for your old vehicle.
  • You pay $4,000 cash for the new vehicle (FMV of new vehicle $7,500 minus $3,500 trade-in allowance).

Your gain is $500 .

Figured as follows:

  • FMV of $7,500 (new vehicle) minus
  • $7,000 ($3,000 adjusted basis of your old vehicle plus
  • $4,000 cash you paid) equals
  • $500 gain.

The depreciable basis of the new vehicle is $7,000 .

Figured as follows:

  • Cash you paid, $4,000 plus
  • Adjusted basis of the old vehicle, $3,000.

The $500 gain on the trade-in is deferred because it reduces the basis of the new vehicle. If you sold the new vehicle the next day for $7,500, you would recognize the $500 gain at that time ($7,500 minus your adjusted basis of $7,000).