Preparing Your Car for Interstate Car Transport: The Beyond Essential Guide for Your Best Move

If you’ve never used a car transport company before, you may not be thinking about the fact that preparing your car for transport is a very important step. Although the process isn’t quite this simple when you ship a car, as long as you follow a few simple steps for getting your vehicle ready, you shouldn’t have too many problems.

Preparing Your Car for Interstate Car Transport

Clean and Check Your Car

The first thing you will want to do to prepare your car is give your car a good clean and check all its fluid levels. You don’t need to spend a fortune having it detailed, but all transport companies will inspect your vehicle before they ship it, and this is a lot easier to do if it’s clean inside and out. If your car does already have some damage, consider getting it fixed before you ship it. A crack in the windscreen or a tear in your cabriolet hood could get a lot worse during transportation, and the shipping company won’t be liable for the additional damage.

If the damage is fairly serious, you might want to consider enclosed car transport, which should offer a little more protection. Checking the engine coolant, oil and transmission fluid levels will make sure your cars ready for whatever climate it’s going to be traveling through, and there are no mechanical issues while it’s being moved.

Remove All Personal Items

The Department of Transport prohibits interstate car transport companies from carrying vehicles that contain household items. Some businesses may allow you to leave a certain amount of personal belongings in the car, but it’s best to remove them all if you can. The shipping company won’t be liable for anything that happens to them during transport, they may even be confiscated by the Department of Transport, and they are likely to mean your car transport quote is more than if the car was empty.

Removable Accessories

As well as taking everything out of the car, you should also think about other accessories you’ve fitted that will need to be removed for transport. Radio antennas that can’t be retracted will have to be taken off altogether, as will any bike or roof racks. If you’re shipping a truck, you might want to think about removing the canopy or rear cover, unless it can be properly secured for transport; and if you have any spoilers or other accessories that will make it difficult to load and unload your vehicle, they might need to be removed.

Include Car Keys and Documents

Most car transport companies will need some form of proof of ownership before they will accept your car for shipping. This will usually be your insurance and registration documents, so make sure you have them ready. The Department of Transport also requires the mover to have at least one key for all the locks on the car while it is being shipped, so you will be expected to hand those over as well.

highway at night

Choose Pick Up/Drop off Locations

If your car is being collected, you should make sure you specify an appropriate location that will allow the shipping company to load your vehicle on to the transporter without too much difficulty. Similarly, you also need to choose a suitable place to take delivery of your car. The transport trailer could be 70-80 feet long so it will need plenty of room, and you want to make sure you can carry out a thorough inspection before and after shipping.

There’s a large number of companies that provide car transport interstate, and while following these tips will help to make sure your car is ready for shipping, when you’re asking for car shipping quotes you should always check to see if they have any additional requirements.

Preparing Your Car for Transport Conclusion

Preparing a car for transportation involves several key steps to ensure a smooth process. Cleaning the vehicle, checking fluid levels, and addressing pre-existing damage are crucial for inspection and safe transport. Opting for enclosed transport adds an extra layer of protection for delicate or valuable vehicles. Removing personal items and detachable accessories prevents complications during shipping. Necessary documentation, such as ownership proof and insurance, should be readily available, along with providing keys for the car’s locks as required by regulations.

Choosing appropriate pick-up and drop-off locations is vital, considering the dimensions of transport trailers. However, it’s important to inquire about specific company requirements while seeking quotes to avoid surprises. By following these steps, car owners can confidently navigate the car shipping process, ensuring their vehicles arrive at their destination in good condition.

Why Are Car Insurance Companies Legally Allowed to Discriminate By Age?

One of the factors that significantly impacts car insurance rates is legal age discrimination. Insurers take into account various demographic factors to assess risk and determine premiums. Among these factors are gender, marital status, age, and driving record. While insurance companies justify their practices based on statistical data and actuarial calculations, it can sometimes lead to unfair outcomes.

Why Are Car Insurance Companies Legally Allowed to Discriminate By Age?

Individuals within the 25-35 years old age range often face higher insurance premiums. This age group is perceived as more likely to drive frequently, especially for work-related purposes. Statistics indeed indicate that the chance of accidents is higher for people in this age range, leading insurers to adjust their rates accordingly. However, it is important to note that not all individuals within this age group have the same driving habits or risk profiles, and some may be unfairly penalized.

Gender is another factor that affects insurance payments. Males are often assumed to drive more aggressively and take more risks on the road compared to females. While this may be a generalization, insurance companies consider it when calculating premiums. As a result, males may face higher rates compared to females. This gender-based differentiation has drawn criticism for perpetuating stereotypes and discriminating against individuals based on their gender rather than their individual driving habits and records.

It is worth noting that there have been efforts to address these issues of legal age discrimination and gender-based differentiation. Some countries and states have implemented regulations and policies to limit or prohibit the use of gender as a factor in determining insurance rates. This aims to promote fairness and eliminate gender-based discrimination in the insurance industry.

Driving record is another critical factor in determining car insurance rates. Insurers assess an individual’s history of accidents, traffic violations, and claims to determine their risk level. A clean driving record, free of accidents and violations, is rewarded with lower premiums, as it demonstrates responsible and safe driving habits. On the other hand, individuals with a history of accidents or violations may face higher rates due to the perceived higher risk they pose on the road.

To keep monthly insurance payments low, there are several factors to consider. Firstly, maintaining a good driving record is crucial. By obeying traffic laws, avoiding accidents, and being a responsible driver, individuals can demonstrate their low-risk profile to insurance companies. This can result in lower premiums and potential discounts.

student driver

Additionally, some insurers offer discounts to specific groups of individuals, such as students with excellent academic performance. This discount recognizes the correlation between responsible behavior in school and responsible behavior on the road. Providing proof of good grades can help reduce insurance costs for student drivers or parents insuring their college-aged children.

Furthermore, carpooling and alternative commuting methods can impact insurance rates positively. If an individual can demonstrate that they use their car only for specific days, primarily due to participating in a carpool or utilizing public transportation, insurers may consider them as lower risk. This can lead to lower premiums since the frequency of driving and exposure to accidents is reduced.

In conclusion, legal age discrimination, gender, marital status, and driving record are all factors that significantly impact car insurance rates. While insurance companies justify their practices based on statistical data, these factors can sometimes lead to unfair outcomes or perpetuate stereotypes. Efforts have been made in some regions to limit or eliminate these discriminatory practices. To keep monthly insurance payments low, individuals can focus on maintaining a good driving record, take advantage of available discounts, and consider alternative commuting methods. By understanding these factors and taking appropriate measures, individuals can make informed decisions and potentially reduce their car insurance costs.

Mastering the Art of Car Price Negotiation: Tips and Strategies for Success

When it comes to buying or leasing a car, it’s important to negotiate for a better deal. The price of the car can be influenced by various factors, and understanding these factors can help you secure a lower price. Time is a crucial factor, as the resale value of the car affects the overall price of the lease. It’s recommended to choose a car with a high resale value, which can be determined by researching used-car pricing guides and consulting financial institutions. Market research, such as looking at car advertisements and understanding demand, can also help you negotiate a better price.

Handshake – Hand holding on black background

When signing the lease agreement, it’s important to read the fine print and ask questions about any unclear terms or fees. Federal regulations require manufacturers and lease companies to disclose important information such as interest rates, downpayment fees, residual value, taxes, and depreciation. It’s essential to be aware of acquisition and disposition fees, as well as the possibility of buying the leased vehicle at the end of the lease.

Excessive car damage at the end of the lease can result in penalty fees, so it’s crucial to understand the leasing company’s definition of “excessive” by reading the fine print. Consider getting asset protection insurance for extra coverage in case the car is stolen or damaged.

When leasing a car, customization is generally not allowed, and the vehicle must be returned in its original state. Additional costs such as sales tax, registration, maintenance, and insurance coverage are the responsibility of the lessee.

Factors that can affect negotiation and price include market conditions, the age and condition of the car, optional features and packages, the time of year, financing and trade-in options, and comparison shopping. Researching the specific make and model of the car, getting pre-approved for financing, knowing the market value, considering timing, practicing negotiation strategies, and being willing to walk away are important aspects of preparing for negotiations.

In conclusion, negotiating the price of a car requires thorough research, understanding market conditions, and leveraging knowledge about the car’s features and financing options. With preparation and effective negotiation strategies, it’s possible to secure a better deal that meets both your needs and your budget.

Assuming Someone’s Car Lease

Want to know how to get the best deal and pay the lowest possible price for your leased car? The best way to drive the latest model car and pay a fraction of what other leased car owners are paying is to take over an existing car lease. This is an option for those who don’t want to take out a new lease, but don’t want to buy a new car, either.

Some car leases were obtained several months prior when the money-saving deals were a dime a dozen in the market. Unfortunately, the downturn in the economy left millions out of a job, and now, many people want out of their car leases because they cannot afford even the lowest amounts of monthly payments.

Assuming Someone's Car Lease

Instead of looking at it like you’re taking advantage of someone else’s suffering or financial distress, think of it as helping someone out. Lease companies allow transfer of lease to those who can pay, at a small transfer fee, to provide a way out for those who can no longer afford car leases.

The original deal that the first lessee got may not be available to you anymore. But since you are “inheriting” the deal, you can continue paying the same low monthly lease, with no down payment and upfront sales tax. Some lease sellers also offer cash incentives to soon-to-be inheritors.

Many companies have seen the demand for leases that need new owners. Online company acts as matchmaker between people who want to transfer their car lease.

Their target market are people who want to take over a lease.

Their inventory of lease transfer vehicles is huge because of the high demand. Find a car you like and view the terms and conditions at to get started. The company also helps arrange the lease transfer, and finds a lease company to facilitate and speed up the process.

Are Car Lease Buyouts a Good Idea?

A woman signing her car lease buyout papers from a guy at the car shop. The car is behind her and ready for her to use.

Planning for a car lease buy-out may sound like a good idea. But take note that when finalizing a lease agreement, you will negotiate several different details with the salesperson. These details will include the upfront cost, the monthly payment, the lease length, and the predetermined lease-end buyout amount. The lease-end buyout is the amount you will need to pay to purchase the vehicle once your lease has finished – the residual value of the vehicle.

Do you have to wait until the end of the lease to buy the car?

The majority of leases will allow you to complete an early buyout of the vehicle. You do not have to wait until the end of your lease term to purchase the car. You need to review your lease documents to see if this is allowed under the terms and conditions of your lease.

Are lease-end or early car lease buyout a good idea?

Much like with any significant financial decision, many essential criteria must be analyzed to determine whether or not any buyout is a good move. In particular, you will want to look at: 

1. The true market value of the vehicle: The buyout amount and the vehicle’s true market value will not always match. This is because the residual value makes certain assumptions about depreciation, which is not an exact science. If the vehicle’s market value is higher than the amount you need to pay, you should consider completing the buyout. 

2. The vehicle’s performance: When it comes time to complete a buyout, you will most likely have been driving the vehicle for several months or years. As such, you will have good knowledge of the performance of the vehicle. If it has been reliable, it may be a good decision to consider buying it. If, however, you have been having ongoing trouble with the vehicle, you may want to consider looking at alternative options. 

3. Your finances: Your finances can change a lot over the course of a few years. If your situation changed and you may have an issue affording the buyout, you may want to look at more affordable options. The one thing you should also take note of is if the vehicle needs to be transported to another state. Check out our post on car transport reviews. By knowing things to avoid, you’ll be able to save your finances and your sanity at the same time.

Ultimately, only you will determine if any lease buyout is a good option for your situation. However, if everything lines up correctly, it can be a great way to purchase a reliable vehicle below market value.

How to Get the Highest Price When Selling Your

Buying a used car is often a minefield, but selling one for a decent price can be just as complicated. Even an older vehicle is a valuable asset, and there’s no reason to let it go for less than it’s worth, no matter how keen you are to secure a sale. What can you do to maximize the price you’ll get when selling your car?

Research the Value of the Car

So long as your car is in reasonable condition and doesn’t have unusually high or low mileage, its value is mainly down to its make, model, and age. The web makes it easy to research the market value for your type of auto, thanks to the many classifieds sites and online dealerships. Although several other factors will influence the final price you get, a little digging will give you a good starting point for what to expect.

Demand and Availability

However, local availability might push this starting price upward or downward. If there are plenty of cars similar to yours on sale within your locality, this will tend to drive down the value, and so you may need to advertise at a price below the average. On the other hand, if your area has a shortage of your auto type, then you may be able to set a higher-than-average price and still attract plenty of interest.

Compile a Vehicle History

Before you advertise your car or start negotiating a trade-in, take the time to put together a detailed history of it, including information on previous owners, services, repairs, and anything else that may impact the price. A solid history will boost the figure you can expect to achieve, as you can show that your vehicle has been looked after properly and there’ll are no nasty surprises awaiting the new owners.

Attend to the Details

Attention to details can have a large impact on the final price. Minor niggles which only cost a few dollars each to fix will all add up to an off-putting picture of neglect if they’re not dealt with. The same goes for tire pressures, oil levels, and other minor maintenance matters – many potential buyers will check these details before going ahead, and if they don’t like what they find, they’ll either try to negotiate the price down or back off entirely. Spending a little cash to get the small things in shape is always a worthwhile investment.

Wash Your Car

Before trying to sell, pay to have your car professionally cleaned inside and out to return it to showroom condition. This small expense will more than pay for itself by giving an immediate good impression to an interested buyer. Also, while your vehicle is looking great, take plenty of photographs from different angles – these will come in very useful for posting on classified listings sites, or for replying to email queries for more information.

Don’t Play the Salesperson

Lastly, if someone arranges a visit to view your vehicle, don’t try and pressure them into buying. Used auto dealers are highly experienced in how far to go with their sales pitch, and if you try and ape their techniques you’ll just turn potential buyers off. Get your car in the best condition possible, do what you can to make a sale easy, then let the viewer decide. On the other hand, always be on your guard against a dealer posing as a private buyer. If you feel someone is trying to drive an unreasonably hard bargain, don’t be afraid call negotiations off.

No matter why you’re selling your car, it’s well worth taking a little time to maximize the price you receive. Paying attention to these details will add up to a good deal for everyone, leaving you as satisfied as the buyer.

How to Drive Any Car in a Greener Fashion

how to drive any car greener

Modern autos are highly energy-efficient, whether they run on electric, hybrid, or gas-fueled engines. This is great for both your wallet and the planet, but you don’t need to upgrade your car to drive greener. There’s plenty you can do to make the model you have as efficient as possible.

Tire Pressure

Get yourself into the habit of checking your tire pressure every month or so. Under-inflated tires need more energy to drive the car along the pavement and therefore increase your gas usage.

What’s more, they also wear out more quickly and need replacing more often, wasting resources in both production and disposal.

Travel Lightly

Check through your trunk and passenger cabin, and remove any items you don’t need to carry with you all the time. Every extra pound of weight burns a little more gas, and over a year this can all add up to a significant waste of fuel.

Invest in Window Tinting

Keeping your car cool in summer is made easy by turning up the air conditioning. Unfortunately, this is incredibly wasteful and makes your engine work harder to supply the energy needed.

Adding a tinted film to your windows will stop the heat building up so high in the first place, reducing the energy required for cooling and lessening the wear and tear on your air con system.

Don’t Overfill Your Tank

Driving everywhere with a full gas tank means you’re dragging unneeded weight along on every journey. Unless you’re driving a long distance, there’s no need to have your tank more than half full. This amount leaves you some gas in reserve for emergencies, without burning fuel just to carry a full tank around.

What’s more, modern vehicles have a safety feature on their gas tanks which stops dangerous vapors from escaping. If you always fill your tank to the top, you’ll be putting unnecessary pressure on this device, and it will eventually fail.

You’ll need to pay for a replacement at your next service, which is a waste of resources. Just as bad, in the meantime, you risk the contents of your gas tank slowly evaporating even when your car is sitting in the garage.

Turn Off the Engine

In the old days, it was more fuel-efficient to leave your car running if you had to park up for a few minutes. This was because a lot of gas was used to kick the engine into life.

Modern ignition systems are much more efficient, and you’ll save more fuel by turning off the engine whenever you’re stationary for more than ten to twenty seconds. There’s no need to switch off at every stop light, but try to keep the engine running as little as possible when you’re not on the move.

Don’t Warm the Engine

In the same way, there’s no need to warm your engine on a cold morning if your car was made any time within the last decade. Unless your area has been hit by an unusual arctic blast, your auto will be ready to roll within seconds of starting the engine. Anything else is a waste of gas.

Regular Maintenance

Lastly, keeping your car properly serviced and maintained is essential. It cuts down on the long-term costs of repairs, but also keeps it running smoothly in between. A smoother-running car uses less fuel, and over time this will more than offset the cost of regular servicing.

The days of gas-guzzling cars are fast coming to an end, but the age of the fully electric auto is still some time away. However, you don’t need to wait to reduce the impact your driving has on the environment. These simple tips will reduce your carbon footprint as well as saving you money at the filling station.

Smart Tips for Insuring Your Classic Car

classic car insurance

Buying insurance for a normal car is a pretty straightforward procedure. You simply call the agent or go online, enter some basic information about the type of vehicle you own, how many miles you drive it and what kind of coverage you want. In a matter of minutes, you will have an insurance quote, and you can make your buying decision based on those criteria.

That may be fine for your daily driver, but what about the classic in your garage? How can you ensure your classic car is protected, and that you can afford to fix it should the vehicle you love be damaged in an accident?

Buying insurance for a classic car is not the same as purchasing coverage for a normal sedan or SUV, and a single mistake could leave you with some serious out of pocket costs. Here are some tips for covering your classic.

Start With a Quality Car Appraisal

If you want to know what a normal car, truck or SUV is worth, you can simply look up its value online. With a single trip to the Blue Book website or a similar site, you can see an updated value for the vehicle you are insuring.

Valuations are more difficult, however, for vehicles deemed classics and antiques. The value of a classic automobile or antique pickup truck will be influenced by a number of factors, from whether or not all the parts are original to the quality of the paint job to the overall condition of the vehicle. If you want to make sure you have the coverage you need, get a quality appraisal before you start shopping for insurance.

Seek Out a Classic Car Specialist

Ordinary insurance companies are fine for daily drivers and brand new automobiles, but insuring a classic or antique vehicle is another thing altogether. If you want insurance that values your classic as much as you do, you need to seek out a specialty insurer.

If you are part of a classic car club or similar organization, ask your fellow members for recommendations and the names of companies that can insure your special vehicle. The personal recommendations of fellow classic car enthusiasts counts for a lot, and this insular world is filled with men and women who are anxious to share their experiences, both good and bad, with various insurance providers.

Think About Your Insurance Deductible

Buying insurance for a classic car may be a specialized undertaking, but the inverse relationship between deductible and premium is still in place. Whether you are insuring a 1950 Ford or a 2010 Chevy, accepting a higher deductible is the surest and fastest way to lower your monthly premium.

You will want to think carefully about the deductible when choosing coverage for your classic. When you talk to the agent or go online, ask for several different quotes at various deductible levels, so you can compare your options more easily and make a smart decision.

If you own a classic or antique car, you have an important decision to make, and a substantial investment to protect. Insurance coverage is an absolute must for owners of these special vehicles, and the more you know the easier it will be to find the best option at the lowest possible price.

What Do those Smells Coming from Your Car Mean?

car smells

An unfamiliar smell coming from your car is certainly a cause for concern. If you ever smell the odor of maple syrup, burnt carpet, or gasoline coming from your vehicle, then you would be wise to investigate where the smell started. Here are some of the most common odors and what they mean for your safety on the road.

Does your car smell like gasoline? If your car smells like a gas station, it could be a sign that there is a gas leak. The leak could be coming from a fuel tank vent hose, the injector line,  or another area of your vehicle. If the weather is warm or your car is parked in closed quarters, the smell could also be coming from raw gasoline. Vehicles manufactured before 1980 may emit the odor of gasoline after a hot shutoff.

If your car smells like rotten eggs while the engine is running, sulfur in the gas could be the culprit. Trace amounts of sulfur in your car’s gasoline can create hydrogen sulfide in the exhaust. The catalytic converter is supposed to convert hydrogen sulfide into sulfur dioxide in the exhaust. If the hydrogen sulfide is not converting properly, then there’s usually a problem with the catalytic converter. A mechanic can tell you if there’s a defect in the catalytic converter, a fuel injector issue, or another problem entirely.

A maple syrup smell in your car likely means that engine coolant is dripping from your vehicle. Specifically, the coolant is probably dripping from a leaky part related to your car’s coolant system. When there’s a problem with the coolant system, the odor typically presents itself after you shut off the car for a bit, or soon after you start the engine.

The odor of burnt carpet is a hint that something is wrong with your brakes. The brake pads become overheated after you have used the brakes hard or often. If you have recently driven down a steep mountain, for example, then you may smell the burnt carpet odor. If you haven’t traveled down a mountain recently, then your brake is likely dragging. Your brake could have a seized-up caliper piston.

When your vehicle has an earthy smell of hot oil, oil is leaking onto your car’s hot exhaust manifold. Your vehicle could have a leaky crankshaft seal. To determine whether or not your car is leaking oil onto the exhaust system, inspect the undercarriage pan underneath the engine. If you have an oil leak, then you will not necessarily see oil on the ground, so it is important to confirm whether or not the undercarriage pan is dry.

You may smell the odor of burnt paper if the clutch facing is burning off at the same time that the clutch is slipping. The smell will remind you of burning a newspaper in the fireplace. If the clutch is slipping, then you’re probably riding the clutch pedal too much.

If you turn on the air conditioner or heater and smell the odor of dirty socks, then your car has mildew growing inside of the air conditioning system’s evaporator. The easiest way to make this smell go away is to shut off the air conditioner about a mile from your destination. Then, turn the fan on the high setting to dry out the system.

If you smell burnt rubber, drive belts could be slipping. Alternatively, hoses may be loose and rubbing against your car’s drive pulleys.

The most important factor for your driving safety is to always be aware of your surroundings. Know what the smell is, find out where it’s coming from, and then decide whether or not you need to have a trained professional resolve the problem. These car smells are warning signs, so never ignore them. Always bring your vehicle to your mechanic if you are unsure of what an unfamiliar smell means. 

Think Twice Before Financing at the Car Dealership

financing a new car

Buying a Car on Credit?

Not many people are in a position to pay cash when buying a car. Even if you’ve negotiated an excellent trade-in deal, there’s usually a hefty financial gap which needs bridging. This, of course, means taking out credit.

It can be tempting to use a finance package arranged by the dealership where you buy your vehicle. It’s convenient, quick, and if you have poor credit your application is more likely to be approved than at a mainstream bank. However, there are many reasons why you should think twice before taking out car dealer finance.

Limited Range of Packages

You’re unlikely to find a truly competitive finance package at an auto dealer. Most of the options are aimed at customers with poor or bad credit ratings, and who have limited choices to go elsewhere. If your history allows you to shop around, you’ll almost always get a better interest rate elsewhere. If you have poor credit, a specialist online lender may offer a cheaper alternative. Either way, shopping around is usually a smart move.

Exploiting Your Enthusiasm for a New Car

If you’ve reached the point of discussing finance, it’s clear to the dealer that you’re sold on the car and that the deal is nearly done. This means they can safely exploit your enthusiasm and offer you a less-than-attractive deal. They may even go so far as warning that any delay in arranging finance could mean losing the car altogether, as they have other interested buyers due to visit, and so you need to act quickly and take the package they’re offering.

Unreliable Verbal Offers

The car dealer may insist that finance will be no problem, you’re sure to be approved, and so you might as well sign up to buy the vehicle you’re looking at. However, always, always get a loan offer in writing before going any further. As soon as you drive the car from the lot, you have a legal obligation to go through with the purchase agreement you’ve signed.

If you only have a verbal offer of finance, there’s still a chance it could fall through, and this will leave you in a predicament. You could be forced into accepting a different, extremely expensive finance deal, simply to fulfill your agreement. What’s more, some of the more shady dealers use verbal agreements as a hurrying tactic, seeing the wait for formal finance as a possible way of losing the deal.

Monthly Car Payments Can Be Deceptive

When you take both vehicle and finance from the same source, it’s easy for an unscrupulous dealer to massage the figures in their favor. Always check carefully that the total cost of your finance is within the range you’re willing to pay for the car, and that you’re not just focusing on your monthly repayments. Also, ensure that no “optional” extras have been added on to the loan amount. Once you take interest charges into account, these extras can work out to be far more expensive than you think.

The Car Salesperson Commission

Lastly, auto dealers can make a nice profit out of selling finance, often as much as they make on the car sale itself. Because of this, they have no incentive to offer you an excellent deal if they think the sale is already in the bag. Considering that they can add up to two and a half percentage points to the lender’s standard interest rate, these packages are often far better for the dealer’s bank account than for yours.

Auto dealer finance packages can offer a lot of convenience, but if you have a good credit rating, they’re not likely to offer you the most competitive rate. Even if your credit history means you probably need to explore dealer finance, be wise to the drawbacks and pitfalls, and still fight to get the best deal you can.

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