Example, car being traded in is worth $26K with a loan payoff of $30K.
If the car I want is $26K, is the full $30K financed again (the dealer gets my trade-in, pays off the $30K then finances $26K for the new car + the $4K negative equity)?
If the car I want is $34K, is $38K financed (the dealer gets my trade-in, pays off the $30K then finances the $4K negative equity + $34K for the new car)?
If the car I want is $28K, is the amount financed $32K (the dealer gets my trade-in, pays off the $30K then finances $28K for the new car + the $4K negative equity)?
If the car I want is $24K, is the amount financed $28K (the dealer gets my trade-in, pays off the $30K and finances the $4K negative equity + $24K for the new car)?
These calculations are driving me crazy and I want to be sure I have this straight before negotiating for the new car.

You basically pay more for the car than the selling price – the new amount financed is the price of the car plus the excess loan amount, added together into a new loan.

You should really keep a new car that is on a loan for at least 2/3 of the loan period and you won’t get in this situation. If you are paying too much interest, make about $40 more in principal payment per month and you will pay the loan off sooner and incur less interest.

My mom needs to pay off 5-8 collectors (not sure of the exact number) and owes $5,000 to them. Now, she decided she wants to negotiate with the debt collecters herself. How can she do it? It’s a bit confusing. Please help, seeking advice.

Your mom can take following steps:
1. Invite all the creditors/ collectors together at a mediocre place which may be a restaurant.

2. Be bold and frankly express her inability to pay all of them as the total sum is very large. Take excuses for delay and explain the problem in which she is passing at present. One out of lot will be interested in negotiation. Clinch the deal after some negotiation. It will prompt other collectors to fall in the line.

3. Make fresh understanding of repayment which may again be in installments without any interest. Or interest part can also be negotiated and reduced.

4. Put that understanding in writing which may be on a plain paper.

5. Thank them.

If successful give thank to me also. Best of luck !!

Does anyone have any tips on negotiating a good price when buying a brand new car at a dealership?

use edmunds.com or kelly blue book or truecar.com and follow instructions about the options on the car and the area you live in and take those figures to dealer or call first and talk with internet salesperson, let them do the talking after you tell them what car you want and they should be app. 200.00 or less from what price you have from on line. if not go to another dealer until you get that pirce. dealing with internet sales people is they know you know what the price of the car should be so there is no bargaining.
have to remember there is a dealer prep which is from 499.00 to 699.00 that is not added in so you have to figure that in yourself.
this is the only way I buy cars anymore, so easy and have only left dealer 2 times in over 22 buys so has worked out for me. if you go in blind they will take advantage of you. yuo must know your numbers before you go in .

Been offered a job and my new boss wants to start me off on the lowest end of the scale. He has offered me the most profitable part of the business to run, but has started me off with the lowest in the salary bracket. I told him I’ll think about his offer. I feel he has an element of doubt about me thats why he gave me the lowest possible salary offer or does he have something up his sleeve? How do I convince him I deserve more?

The best way would be to outperform your peers. Be the first one there and the last to leave. Make sure you know how often your boss plans to evaluate your work. If you haven’t asked him already, ask him what will take to earn a higher salary. Put the ball in his court. When he tells you, write it down in front of him and repeat it back. This way, later you can go back on the exact day he plans to evaluate, show him item by item what you have done in each category he mentioned earlier, and show him you deserve a higher salary.

I have selected in MNC. But during my salary negotiation I did not ask them about shifing house luggage reimbursement.

Now what can I do.

Bear the cost by yourself.. or if you have confident you can get the reimbursement if you ask, then go ahead. For me, if not too much, better forget it..

We’ve been approached to sell 240 acres of pasture & hay land with our home. My husband stated a price for it that is quite a bit below even fair market value. How do I negotiate this now & get a fair price for our property?

If the offer was not immediately accepted or acted upon then you have the right to say that it was a feeler price and further research indicated that you were way under fair market value for your property and you don’t want to cheat a legitimate buyer or to be cheated by an unscrupulous buyer so if they want to negotiate in good faith then you will listen to any fair offer that they have to put on the table with a sizable ernest money deposit. Remember if the offer is not written and does not come with a substantial ernest money deposit then it is only talk and let them know that you are not a desperate motivated seller and that if they want to be serious then be serious. They are buying the home so if they want to buy the land then make an offer to buy it don’t try to steal it. Also be upfront and tell them that your husband didn’t understand what they wanted to buy, this happens a lot in complicated deals or multiple deals so go back to the negotiation table and start over separating the house and the land. Good Luck

I will be moving out of my mother’s nest in less than a month. Right now I am looking at shared apartments (the one where owners/renters are looking for someone to occupy the vacant room). I want to know if it’s okay to negotiate a price. For instance I saw many prices of $350.00. I want a $300.00 per month.
The thing is that housing is not like a car. I have to live with that person(s). I don’t want to sound cheap.

Ask the owner if he/she would consider 300.00 per month. You can negotiate anything.

A car is heading down a slippery road at a speed of 95 km/h. The minimum distance within which it can stop without skidding is 76 m.

What is the sharpest curve the car can negotiate on the icy surface at the same speed without skidding?

I thought I would have to find μ then plug it into another equation to find the radius. But that got nowhere. Does anyone have any input on this?

Find what the acceleration is for the car to stop using the equation:
v^2=vo^2+2a(x-xo)
where
v=0
vo=95km/hr(convert this to m/s)
(x-xo)=76m

then plug this in to the equation for centripetal acceleration:
a=V^2/r
where a is the magnitude of acceleration you just calculated.
Solve for r.

My husband and I just fell in love with a finished new construction inventory home listed at $216,000; however, it’s been listed since June – is it realistic to wonder if they would come down to $200,000 plus pay closing costs?

Forget what builders may have done in the past. The rules in the housing industry have changed dramatically in the past three years.

Everything is now negotiable – price, terms, closing costs, etc. However, that does not mean that this specific builder is willing or is able to accept your terms for this specific house.

Yes it is realistic to make that offer – you are asking for a concession approximating 10% and many builders around the country have accepted similar offers. But that does not mean that your offer will be accepted.

The builder may have already adjusted the price to the minimum that he believes he can afford and may owe that much or more to the bank. Or the builder may believe that the market is improving and that by holding the home until next spring it may be worth more.

Make the offer and then expect a counter-offer at which time you need to decide what the home is worth to you.

Price is not the only reason to buy a new home. You are going to live there, probably raise your family, build wonderful memories. If you love the neighborhood, love the home and believe that this is a quality builder then consider how you would feel if you did not get the home and consider that in your negotiations.

I have been frantically flipping through my textbook and I cannot seem to find any information on "commercially acceptable means to negotiate a check". This a review question something for an upcoming test. I know it has be indorsed and delivered, but is that it? I appreciate any help.

Negotiation of a check (other than one payable to bearer) is competed by indorsement and delivery.