Automotive Research – Tips on Trading Your Vehicle – TADA Editorial #car #insurance


#trade in vehicle
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Trillium Automobile Dealers Association

10 useful tips on trading in your vehicle

Sandy Liguori – Tada President 2011-2012

Nov 09, 2011

When car owners are in the market to buy a new vehicle, they usually want to sell their existing vehicle.

They can sell it privately, which requires some legwork, patience and risk, or they can trade it in to a new car dealership. A trade-in refers to any vehicle that a car buyer intends to sell to the dealership as part of a deal in acquiring another vehicle (new or used).

The benefits of a trade-in (as opposed to selling privately) are the efficiency and convenience of buying and selling at one location, where you may already have a relationship, and significant tax savings.

The actual sales process and completing a purchase can be handled quickly even within a couple of days. Many busy consumers like the idea of dropping off their older vehicle and choosing a new car at the same place.

The other benefit is the tax savings. The value of a trade-in is deducted from the selling price of the car you re buying. This reduces the taxable portion that must be paid on the new vehicle.

Let s say you want to buy a new car worth $40,000, and your trade-in is appraised at $20,000. That $20,000 is applied toward the price of the new car, effectively reducing the selling price to $20,000.

In this case, the customer would pay tax on $20,000 ($2,600), as opposed to $40,000 ($5,200), a savings of $2,600.

Another consideration when trading in a vehicle is price. Here are 10 useful tips to ensure that you get top dollar for your trade-in.

  1. Understand that a dealer will pay top dollar on a wholesale level, but not on a retail level. That s because there are costs incurred by the dealer on all trades, such as vehicle inspections, reconditioning, advertising and sales commissions.
  2. Study the market. Used vehicle websites will give you a fair approximation of the value of your car. Canadian Black Book (canadianblackbook.com) is considered the industry benchmark for providing market values for cars, trucks and SUVs on the wholesale level.
  3. Be realistic. Optimal prices are based on vehicles in immaculate condition, and few vehicles meet that standard. Knowing the true market value of your vehicle will give you leverage when negotiating.
  4. Make the car presentable. Vacuum the floors and trunk, and remove any dirt and debris from interior surfaces, including the dashboard, seats and door panels. Fix obvious damages, such as a cracked windshield, worn out tires or broken headlights. Repair any dents and dings in the car s exterior.
  5. Gather all service records. If you can prove that you have taken care of your vehicle with recommended service maintenance, it will command a higher price (either at a dealership or privately).
  6. Be honest about the car s true condition. It doesn t pay to lie or mislead the buyer; the truth about the car will be revealed in time. Dealers use the CarProof services to verify a vehicle s history.
  7. Don t remove or replace any parts or accessories after your car has been appraised. To do this is unethical and just plain wrong.
  8. Determine the current market demand for your make and model, and whether the dealership is overstocked for that model. Supply and demand and market conditions will affect how much a dealership is willing to pay.
  9. If you are driving an older model vehicle that is on its last legs, find out if there are any clunker programs offered by the manufacturer. Sometimes a manufacturer will offer a minimum trade-in allowance (approx. $3,000) on these older vehicles.
  10. Remove any personal items before delivering the vehicle to the dealership. Check the glove compartment, underneath seats and in trunks.

Computing Basis of New Vehicle When Trading in a Vehicle #europa #car #hire


#trade in vehicle
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Computing Basis of New Vehicle When Trading in a Vehicle

When you trade in a vehicle for another one, how you compute the basis of the new vehicle hinges on your business use percentage of the old vehicle.

100% Business Use

If you used your old car 100% for business and subsequently trade it in for a new one, your basis in the new vehicle is equal to the remaining basis in the old vehicle, if any, plus any other amount you paid for the new vehicle.

Less than 100% Business Use

If you used your old vehicle less than 100% for business, a special trade-in adjustment is required to establish the depreciable basis of the new vehicle. Keep in mind that this adjustment has you pretend you used the old vehicle 100% for business up to the trade-in date even though you actually did not.

This adjustment is only used for determining the depreciable basis of the new vehicle, not for figuring gain or loss.

Here are the steps to follow if you used your old vehicle less than 100% for business:

Determine excess depreciation:

  1. Figure the amount of depreciation you theoretically would have been allowed to deduct for the old vehicle, from the date it was placed in service up to the date of the trade-in, had it been used 100% for business.
  2. Jot down the amount you determined in Step 1.
  3. Next, add up the amount of depreciation you actually claimed on your old vehicle based on your tax returns .
  4. Finally, subtract the amount of depreciation in Step 3 (what you actually claimed) from the amount figured in Step 1 (what you theoretically could have claimed). The difference is excess depreciation and is the amount used in the basis computation for the new vehicle explained below.

NEW VEHICLE

Basis computation:

(A) Start with the basis of the old vehicle before deducting the excess amount figured above. In other words, this would be the original cost minus the actual depreciation you claimed on your tax returns.

(B) Add any additional amount you paid to acquire the new vehicle to the basis of the old vehicle figured in (A) above. For example, if your forked over some cash in addition to your trade-in.

(C) Subtract the excess depreciation figured under the steps listed for the old vehicle from the total figured in (A) and B). above.

(D) The depreciable basis in new vehicle equals: (A + B) – C.


Do’s – Don’ts For Trading Your Car #vehicle #reviews


#trade in vehicle
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Do’s Don’ts For Trading Your Car

Over the past 50+ years we’ve encountered many questions from consumers about what does and does not make sense in preparing a vehicle to be traded. Here are six things to consider before trading your vehicle:

1) Repairs: Should you repair a vehicle before showing it to a dealer? In general, the answer is no. Dealers are in “the business” and, therefore, have the ability to make mechanical or cosmetic repairs more reasonably than a consumer. Trading the vehicle in “as is” condition also allows the dealer to decide what needs to be done and to control the quality of the repair. There is little chance you would recoup the cost of last minute repairs, so you are much better off letting the dealer be responsible for them.

2) Detailing. Should you clean a car before showing it to a dealer? This is not as clear-cut as it might seem. Most cars will clearly benefit from an interior cleaning. Exterior cleaning is a different story and depends largely on the extent of flaws (primarily dings and scratches) around the vehicle. Exterior dirt and dust can hide many of those flaws. One popular story in the wholesale business tells of a dealer who cleans the exterior of a car, sees the true condition of the paint underneath, and says, “I just washed $500 worth of dirt off that car!”

3) Previous Paintwork. Paintwork, especially of poor quality or on an expensive vehicle, can significantly devalue a vehicle. Sometimes a wet-sanding (check with a body shop) can improve the look of paintwork, especially if the paint problem is primarily related to the texture of the paint. Dirt can also hide paintwork and may be another good reason for not cleaning a vehicle (see #2).

4) Same-Make Dealer: It is often useful to have your vehicle appraised by a dealer who sells the same vehicle new, especially if it is something he might want to stock for retail. If he were to consider stocking your trade-in for his retail lot, he is likely to offer more for it when he appraises it. If nothing else, his appraisal may be useful in negotiation with other dealers.

5) Multiple Appraisals: Generally it’s a good idea to show your vehicle to a few dealers. You will either be surprised by the difference of opinions or feel confident of your vehicle’s value if the appraisals are consistent. Another dealer’s opinion is often a useful negotiating tool.

6) Your Own Expectations: Before visiting a dealer, be sure you have a sense of what your vehicle is worth. Showing up with a realistic expectation will help you and the dealer strike a deal that satisfies you both.

These are some of the things you should consider before trading in your car. More and more consumers are looking to Galves for guidance and checking our values before visiting their dealers. We invite you to get on the same page as your dealer… you have nothing to lose and lots to gain since we back our values with the Galves Money Back Gurantee.


Do’s – Don’ts For Trading Your Car #cheapest #car #hire


#car trade in
#

Do’s Don’ts For Trading Your Car

Over the past 50+ years we’ve encountered many questions from consumers about what does and does not make sense in preparing a vehicle to be traded. Here are six things to consider before trading your vehicle:

1) Repairs: Should you repair a vehicle before showing it to a dealer? In general, the answer is no. Dealers are in “the business” and, therefore, have the ability to make mechanical or cosmetic repairs more reasonably than a consumer. Trading the vehicle in “as is” condition also allows the dealer to decide what needs to be done and to control the quality of the repair. There is little chance you would recoup the cost of last minute repairs, so you are much better off letting the dealer be responsible for them.

2) Detailing. Should you clean a car before showing it to a dealer? This is not as clear-cut as it might seem. Most cars will clearly benefit from an interior cleaning. Exterior cleaning is a different story and depends largely on the extent of flaws (primarily dings and scratches) around the vehicle. Exterior dirt and dust can hide many of those flaws. One popular story in the wholesale business tells of a dealer who cleans the exterior of a car, sees the true condition of the paint underneath, and says, “I just washed $500 worth of dirt off that car!”

3) Previous Paintwork. Paintwork, especially of poor quality or on an expensive vehicle, can significantly devalue a vehicle. Sometimes a wet-sanding (check with a body shop) can improve the look of paintwork, especially if the paint problem is primarily related to the texture of the paint. Dirt can also hide paintwork and may be another good reason for not cleaning a vehicle (see #2).

4) Same-Make Dealer: It is often useful to have your vehicle appraised by a dealer who sells the same vehicle new, especially if it is something he might want to stock for retail. If he were to consider stocking your trade-in for his retail lot, he is likely to offer more for it when he appraises it. If nothing else, his appraisal may be useful in negotiation with other dealers.

5) Multiple Appraisals: Generally it’s a good idea to show your vehicle to a few dealers. You will either be surprised by the difference of opinions or feel confident of your vehicle’s value if the appraisals are consistent. Another dealer’s opinion is often a useful negotiating tool.

6) Your Own Expectations: Before visiting a dealer, be sure you have a sense of what your vehicle is worth. Showing up with a realistic expectation will help you and the dealer strike a deal that satisfies you both.

These are some of the things you should consider before trading in your car. More and more consumers are looking to Galves for guidance and checking our values before visiting their dealers. We invite you to get on the same page as your dealer… you have nothing to lose and lots to gain since we back our values with the Galves Money Back Gurantee.


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Stock Trading Basics – For the Beginner Stock Trader UK #stock #trading #basics, #for #the #beginner #trader #uk


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You are here:

Stock Trading Basics – For the Beginner

“I make money by stock trading”, my friend told me. That was a few years ago. I had no idea what stock trading was. The only thing I knew was that my parents owned a few shares of Barclays Bank that they had bought when they were younger. All I knew was that you bought stocks when younger and sold them when you got older.

Stocks or shares are what these companies use to raise funds for their operations. Every company needs funds or capital for their normal operations. The capital raised would be used to acquire property, pay off loans, buy new companies or fund any other operations of the company.

In order to raise these funds for these operations, a company has an option to either borrow the funds or raise them itself. Borrowing funds can be expensive and most companies prefer to raise the funds. To raise the funds, companies offer ownership to investors in the form of stocks or shares.

Stocks in simple terms represent part ownership in a company by an investor. The investor exchanges his funds for shares to earn the right to participate in important company decisions as a shareholder. The shareholder gets a vote for each share owned. He also participates in any profits that the company earns in the form of dividends.

The value of the shares will go up or down depending on the performance of the company. If the company has good financial performance, the value of the shares may go up and the opposite happens if the company does poorly. As such, the shareholder can profit by selling his shares at a higher price than he had bought them.

Most investors like my parents buy the shares once and never think about them for years. All they do is gain profits from the dividend checks given each year that the company makes a profit. However, there is the type of investor who buys shares for the sole purpose of selling them after the shares have raised in price.

These investors will need to buy or sell these shares. The stock market is where they go to buy and sell shares. In the UK, this market is known as the London Stock Exchange. Stock trading is the practise of buying and selling shares in companies for making a profit.

It might seem easy but stock trading can be a risky business especially for those who do not know much about it. Many investors have lost fortunes trying to make money in stock trading. Some have gambled their livelihood trying to become the best stock traders in the UK.

With proper planning and education, anyone can avoid the traps inherent in stock trading. An investor with proper stock trading education can make a very decent living in a short time. You do not have to risk all that you own in order to do well in stock trading. With simple discipline, anyone can be transformed into an excellent stock trader.

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CFTC RULE 4.41 – HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN. Click here for the full DISCLAIMER .

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Computing Basis of New Vehicle When Trading in a Vehicle #used #autos


#trade in vehicle
#

Computing Basis of New Vehicle When Trading in a Vehicle

When you trade in a vehicle for another one, how you compute the basis of the new vehicle hinges on your business use percentage of the old vehicle.

100% Business Use

If you used your old car 100% for business and subsequently trade it in for a new one, your basis in the new vehicle is equal to the remaining basis in the old vehicle, if any, plus any other amount you paid for the new vehicle.

Less than 100% Business Use

If you used your old vehicle less than 100% for business, a special trade-in adjustment is required to establish the depreciable basis of the new vehicle. Keep in mind that this adjustment has you pretend you used the old vehicle 100% for business up to the trade-in date even though you actually did not.

This adjustment is only used for determining the depreciable basis of the new vehicle, not for figuring gain or loss.

Here are the steps to follow if you used your old vehicle less than 100% for business:

Determine excess depreciation:

  1. Figure the amount of depreciation you theoretically would have been allowed to deduct for the old vehicle, from the date it was placed in service up to the date of the trade-in, had it been used 100% for business.
  2. Jot down the amount you determined in Step 1.
  3. Next, add up the amount of depreciation you actually claimed on your old vehicle based on your tax returns .
  4. Finally, subtract the amount of depreciation in Step 3 (what you actually claimed) from the amount figured in Step 1 (what you theoretically could have claimed). The difference is excess depreciation and is the amount used in the basis computation for the new vehicle explained below.

NEW VEHICLE

Basis computation:

(A) Start with the basis of the old vehicle before deducting the excess amount figured above. In other words, this would be the original cost minus the actual depreciation you claimed on your tax returns.

(B) Add any additional amount you paid to acquire the new vehicle to the basis of the old vehicle figured in (A) above. For example, if your forked over some cash in addition to your trade-in.

(C) Subtract the excess depreciation figured under the steps listed for the old vehicle from the total figured in (A) and B). above.

(D) The depreciable basis in new vehicle equals: (A + B) – C.