Category Archives: money dilemmas

The Politics of a Dark Cherry Dining Room Set

cherry table and Leather Alderwood ChairsThere’s lots of talk about what women are discussing around their dining room table when it comes to the issues of the day that affect how they will be voting. For an instant, though, let me just talk about my own table. You see, I own a light-colored cherry dining room set that I took with me when I divorced my husband. You may think it had some sort of sentimental value or that I really liked the style or the color, but none of that is true. I took it to prove a point: Even when you think you’ve fooled me into getting your way, it’s going to cost you later. I don’t think I’m that much different from the average woman. Republicans are playing with fire if they think they can pull the wool over women’s eyes and not let it come back to haunt them in the end – especially when they talk about issues they don’t have any interest in whatsoever.

The Set-up

You see, my dining room table was a set-up. I told my then husband, I wanted a dark cherry dining room set, and instead of telling me he didn’t like the idea, he told me to go out and price them to see if we could afford them. So, I spent weeks going to one furniture store after another to find just the right table, but every time I brought the details back there was always something wrong with the table. It was not sturdy or it was too expensive or not the right size. The color was never mentioned. Then, magically, one night we were at a furniture outlet and there was the type of table he had mentioned, and for far less than the others I had priced! But, instead of buying it, my ex-husband told me he liked a different dining table better – it was far more expensive than anything I had previously priced and it was light, not dark wood. As he demanded that we buy this offensive monstrosity, I realize that he never meant for me to have the dark cherry dining set – it had been a total set-up. So, when I finally divorced him, I made sure to take that dining set with me and the china cabinet, too. I figured that if he got such enjoyment out of dangling some fake promise in front of me to see me work my butt off, knowing full well he would never agree to buy a dark cherry dining room set, then I was going to take his favorite table away from him so he could feel what it’s like to be deprived of something he really wanted, too – even if I didn’t like it. That’s my idea of fairness, and I really don’t think I differ from most women. Now, that table is one of the most favorite pieces in my home. It represents fairness to me and my ability to right a wrong that should have never happened if someone hadn’t been so intent on deceiving me.

Republican Double-Talk

Let’s face it, all this talk about Republicans honoring the ideal of motherhood is just another cherry dining room set. That’s right. It’s something they don’t believe in, can’t relate to, and will only buy if it comes in their preferred color. What is that color? White. There, I said it. It doesn’t matter that they deprive millions of women who happen to be black, single, or poor mothers the dignity of their choice, for those women – they should be outside the home working and they’re lucky if they’re not called sluts. The argument they give is that poor, single, or black women are too poor not to work and we should give them the “dignity of work.” Yet, white women like Ann Romney who are rich  and have husbands should stay at home and not work outside the home because that’s what “good mothers do.” The whole it’s “too expensive” to stay home business smacks of a certain dining room table that was “too expensive” to buy until a different color was found.

Women Buy It

Unfortunately, like me, many women buy this whole “fiscal responsibility” argument from their husbands and political candidates. I know I did. I bought it when my husband lied to me about the cherry table. I bought it when the Tea Party people told me they wanted to be in office to bring more fiscal conservative policies to Congress. Yet, every time that argument is used, I find these same people go in and spend much more on programs and ideals that they just simply prefer, that’s all. Whether it’s a light cherry dining room table or millions spent to find ways to block access to contraception or women’s programs. The point is to deprive you of what you want and what you think is best for something they want. So, women, please don’t buy the money argument. It’s a red flag meant to distract you from the real reason your desires never get funded: They simply don’t like the idea. Don’t believe me? Just watch…

The WORK Act

Okay, so according to Republicans all mothers should be at home with their kids and that’s the ideal of motherhood? Poor mothers have to work because it’s “too expensive.” Then, let’s fund it and make it possible for low-income mothers, too! Democrats have introduced a bill called the Women’s Option to Raise Kids (WORK) Act. If raising kids is the same as working, according to Ann Romney, then the ideal should not be to make poor mothers work outside the home, it’s to support them so they don’t have to. The Act removes the current work requirements for mothers of children of 3 years of less, and allows them to still receive welfare benefit. So, that should be a total bipartisan landslide, right?! You watch as the GOP blocks this Act.

Just for fun, I told a Republican woman friend of mine about this new bill and the look of horror that crossed her face was priceless. As expected, the first words out of her mouth were: “How are we going to pay for it?” Yeah, right, I forgot! We have NO MONEY, we’re trillions in debt, and God forbid, that money be available for a social issue like motherhood that the Republicans all say they believe in. Do I need to say more? Cherry table, cherry table, cherry table.

Another friend, who is an Independent sat down and noticing her obvious state of agitation asked her what was wrong. When she told her and echoed:”How will we pay for it?” She shrugged and suggested that some of the money might come from daycare programs that were being subsidized so mothers could work. Duh. No, no, no, let’s NOT figure out how we want to pay for something, let’s just assume that if we don’t want it, it’s simply too expensive! ESPECIALLY, if we’re going to be forced to pay for the WRONG COLOR table.

I will repeat it once again in very simple words: While you’re being “fiscally conservative” your political interest is probably out plotting how to spend your tax dollars on their selfish wants and desires. The major issue for women “around the dining room table” right now is not the budget, it is how the budget will be approportioned. Will the money go to large  corporations and the 1 percent that claim to be “job creators” yet have failed to provide any credible evidence that is the case? Will it go towards more wars? Or, will it go to education, building small businesses, and building up the middle class? And, yes, maybe some of it should go to help single mothers to create sustainable families instead of forcing them to work when they have kids in the home.

Why Equal Pay for Equal Work is Morally Right

Money QueenIt is 2012, but some politicians are still living in the 1950s as the War on Women continues to take center stage with some very old-fashioned views coming forth from the political arena. Take a look at this one:

“You could argue that money is more important for men. I think a guy in their first job, maybe because they expect to be a breadwinner someday…” – Senator Glenn Grothman (R)

How many times have you heard the myth:

“Men should get paid more because they need the money to support their families.”

Well, let’s be realistic – family demographics all over the United States have changed. It used to be that almost 80 percent of people were the traditional father/mother married couple where the woman stayed home and did not work. Now, the number of married couple is actually less than 50 percent and a majority of women work in double income households, many without children. Yet, men and women stuck in a time warp believe that men are still the breadwinners? That more men than women need the money to support families? Assuming that “family” means kids, this fact is easy to check using the BLS and 2010 U.S. Census data.

The Data

On March 24th, 2011 the BLS put out an Economic News Release detailing the employment characteristic of families in 2010. To be fair, we can’t just compare how many men have families to support without comparing it to female heads of households – the biggest growing demographic in the United States today. Then, we get a very accurate picture of what’s going on with the American family and how the “Father Knows Best” retro-ideal is actually hurting children in America and putting them into poverty. If the basis of giving men $1 for every .77cents a woman earns is the social obligation to care for our nation’s children, then one must ask:

Who exactly is caring for the children and what are they making?

From http://www.bls.gov/news.release/famee.nr0.htm:

 Among the 34.5 million families with children,87.4 percent had an employed parent in 2010, down from 87.8 percent in 2009. The 2010 proportion is the lowest since the data series began in 1994. The mother was employed in 67.0 percent of families maintained by women with no spouse present in 2010, down from 67.8 percent in 2009. The father was employed in 75.8 percent of families maintained by men with no spouse present in 2010, little changed over the year. Among married-couple families with children, 95.7 percent had an employed parent in 2010, unchanged from the prior year. The share of married-couple families where both parents worked fell to 58.1 percent in 2010 from 58.9 percent in 2009.

The problem with these figures is that 34.5 million is for all families, both married and single parent families that worked. However, the percentages of married couples where both worked is 58.1 percent of married couple families. In order to find out how many married couple families that only had one spouse supporting it, we have to work our way backwards, which the total number of married couples that worked being 95.7 percent not 100 percent.

Remember that the BLS states that in 2010, 34.5 million families had children. How many of those families were single parent households and how many were married couples? Of the single parent households, how many of those families were headed by a man alone and how many by a woman alone?

We find that information in the Stat of the Day: The Amazing Decline of the Iconic Household.

They list for 2010:

11.1 million single parent families (11.6 in another survey  listing 9.9 single mothers and 1.7 million fathers)

AND

23.58 million married couples with children (some with double incomes)

______________________________________

= 34.6 total families supporting children (very close to the same statistic offered in the BLS).

Then we need to remove the double income families because they already make more than any other household demographic so the reasoning that they need “extra money” to support kids is a moot point. They already make more due to the nature of the fact that both individuals work.

Going back to the first stat, we still need to figure how many of the 23.58 million married couples with children had a double income and those that had a single income. First we start by taking 95.7 percent to figure out those that actually worked (23.58*.957=22.56 million). We know that 58.1 percent of the total were also double income families (23.58*.581=13.70 million). That leaves 8.86 million married couples where either the father or the mother supported the family alone, despite being married.

Now we want to know: How many married households of the 8.86 million had a male single earner and how many had a female single earner?

From the 2010 Census and information at http://activerain.com/blogsview/1449754/census-more-women-take-on-role-of-sole-breadwinner-  we know that in 2009,  7 percent of all families with children had a female head of household or 1.65 million. So, the rest of the married households that were supported on one income had to be male: 8.86 million – 1.65 million = 7.21 million.

The Final Results

For all the households with children in the United States that depend solely on a male “breadwinner” the actual numbers are 7.21 million of married couples and 1.7 million of single parents.

Grand Total of Male Breadwinners:  8.91 million households.

For all the households with children in the United States that depend solely on a female “breadwinner” the actual numbers are 1.65 million of married couples and 9.9 million of single parents.

Grand Total of Female Breadwinners: 11.55 million households.

EXCEPT FOR A FEW MORE FACTS –

The majority of men supporting children “by themselves” are in married relationships and have a spouse working to care for the children which adds tens of thousands of unearned income to the household. The majority of women supporting children by themselves are single and have no one contributing unearned income to the household, providing free childcare, and other types of stay-at-home services. However, the women are making only .77 cents to each $1 a man earns. They can’t afford to hire it either. Tell me again who needs to be making more to support their families – the men or the women?

It’s obvious from this analysis that if the Federal Government enforced equal pay laws, they could probably save a ton of money on TANF.

What Your Gut Instincts Can Tell You In Business

Dec07 200People will tell you that your emotions will kill you in business, and a good deal is done with a poker face and the drive of a hired assassin. However, what if your business is about freelance writing, or about something where you’re passionate about what you do? That’s when your emotions are there for a reason, but they can still lead to being used by others who try to take advantage of that emotional charge.  The key to understanding how your emotions can help, instead of hurt you, in business is to learn how to use your business judgment, along with your emotional instincts, to cue you into bad customers before you get into relationships with them.

Every Business Relationship Is Like Dating

We can laugh or cringe at the dating horror stories of the woman who always ends up with the batterer, the drunk, or the just plain weirdo. Yet, sometimes our businesses attract the same types of deadbeats and we just drum it up to a bad economy, when it might be the way we’re doing business that is generating these bad business relationships. Just like a woman who does too much upfront in a relationship, a business owner who provides too many products or services before figuring out what the other party is going to provide back is in for the same sort of co-dependent, miserable, times as a single on the dating scene.  How do most people avoid these soap operas in their lives? They tend to rely on their “gut instincts” and emotions to let them know when they should pass on a relationship that’s going to be a downer, no matter what. When faced with a one-liner from a potential deadbeat customer (whether romantic or business), your gut instincts will tell you something is really wrong, and you can choose to acknowledge this or face the consequences later.

So Many Frogs, Few Princes

There was a question posted on Facebook recently: “Do I prefer the customer who offers a high price and fails to pay on time or the one that offers a low price and pays immediately?” What’s missing from this question is the value of the work. What sort of value do you place on your work? Is the customer willing to recognize the actual, intrinsic, value of the work or are they looking at the dollar bills? If you are working with a low-paying customer, be assured they’ll never be satisfied with the value of the work. They’ve already said as much by refusing to pay what it’s worth. More than likely they will try to chintz you even more in future projects. The same is true for the one that offers a high price and refuses to pay, as if your work is free or you are not a top priority when it comes to paying their bills. Sometimes, you get a high paying customer that is so demanding that you spend so much time with them, that if you added up the hours, you’d make less than the low-paying clients. Unfortunately, the additional criticisms and demands spell out exactly the same thing:” They don’t value your work.” Which begs the question:

Why don’t they go elsewhere then?

How You Create Your Own Customers

The reason, as hard as it may be to believe, is that you allow them to stay there repeatedly disrespecting the value of your work because you don’t believe it’s worth much either. The irony of the whole situation is that just like an abusive partner picks someone who they admire to belittle,  these customers actually like your work or they wouldn’t be there. It gives them great joy to find someone who wants to be involved with them because they don’t think much of themselves either. As the relationship continues, of course, the emotions become louder. Something is wrong, but the familiarity of it may lead to ignoring the fact that the pay is getting less and the demands are getting more. It may be hard to cut these people out of your life, but ultimately, it may be what your business requires to survive.  Ignore your gut instincts at your own peril at this point.

Learning To Trust Yourself In Business

Once you learn to disentangle yourself from these types of customers, the newer ones that are worth your time will appear. At the point you start to trust in your own innate worth, the deadbeats and abusers will begin to scatter because you either 1) Refuse to engage these customers, or 2) State the value of your work upfront and expect and get fair recompense for your work or they walk away. You learn to negotiate difficult customers so that you’re both on the same page or you clearly realize from the start that the relationship is not a match. At that point, you will have learned to trust yourself and appreciate the value of your own work enough for it to generate the customers who can do likewise. Whether in dating or business, once you learn to trust your own judgments and listen to what your emotions are telling you about the other party, the ability to select the right relationships becomes clearer and easier, and far more profitable.

Scared Silent…

going out of businessOkay, I haven’t blogged too much about the bailout the economic crisis and so on. Why? I’m scared silent, that’s why. I never for a moment thought I’d be seeing the crash of the United States in my lifetime. It’s really quite a feat and I really don’t know what to say. Although I’m not for fear mongering, what can one think when California is sending out IOUs as payment and the counties are revolting by not paying their taxes to the state? We’re in a heap of trouble, and I literally mean WE.

I think by the time this is all over, everyone is going to be affected, if they haven’t been already. Yes, I have a ton of work coming in, but bills are getting harder and harder to pay. Creditors are getting very aggressive, not even waiting for the bill to be due to call up and wonder if you’re going to be paying it. I kid you not.

People holding houses they can’t get rid of, student loans they can’t pay back because of no jobs, and wages so low they’re having trouble feeding their families. If this isn’t the start of another Great Depression, honestly, I don’t know what is. I’m growing a garden this year because I believe the food prices will climb beyond anything we’ve seen so far when hyperinflation sets in after this bailout goes through. I am hedging my bets though and if the $15,000 for buying a house incentive gets through, I’ll try and sell again this year. Otherwise, I’m not bothering because rentals will increase more than a fixed mortgage if hyperinflation hits and I won’t be able to find a decent place anyways. It’s time to head for the hills because there’s definitely something nasty headed our way.

Wouldn’t it be nice if all this just went away? Gosh, I just don’t see how that’s going to happen. We’re all going to be taking some lumps pretty soon…The drop in retirement funds are going to look heavenly in a little while…That’s what I think, and I really hope I’m wrong.

How Many Jobs Are There In The Auto Industry?

Dealership IIWe keep hearing that if one of the Big Three goes bankrupt that it will have a devastating effect on the economy, due to job losses. I have a tough time believing that the auto industry itself has that many jobs in our economy. I can see that there might be associated jobs like car dealerships, but I doubt it will affect auto repair shops as just because cars aren’t made here does not mean they aren’t being repaired here. So, what are the real numbers?

What Are The Real Numbers?

I had this discussion with a very brilliant man who is a millionaire. While I don’t know how much he actually is involved with the auto industry, he claimed that people who get a job in one of the Big Three have jobs that can start at $40/hr because they are unionized. They get health benefits, they get overtime pay too! Many can make over $100,000/year having no skills other than assembly skills because of the union contracts. So, what are the real numbers? Is it because of the bad economy or the juicy labor contracts that they could go bankrupt? Why are they working overtime when no one is buying cars? A lot of this makes no sense…

What are the real numbers? In a time when everyone is belt tightening are the labor unions willing to give a little? Doesn’t it seem odd that someone with no college education can make over $100,000 working for someone else? I thought the whole point of the American dream was to become your own boss so you could make a lot of money and live a full life? Wouldn’t that help to create jobs by creating more businesses? What’s the incentive for the U.S. economy to keep paying people large amounts of money when 1) It creates no new jobs, 2) It rewards people for not improving themselves.

The Bottom Line Is Jobs, Isn’t It?

So, are we really going to suffer a large number of job losses if one of the Big Three goes under? More than the financial industry fall-out? More than the mortgage industry collapse? More than the dot com burst? I want to see some hard numbers, not in comparison to the auto industry, but to all the other industries that want a piece of the bail-out pie. I find it hard to believe that the auto industry has that big an impact on our economy. Somebody please tell me what the real numbers are, because right now, it just looks to me like they are plain old greedy, both the management AND the workers.

Should we reward the type of behavior that is basically bankrupting our country in the first place? Why not set up some incentives for other small businesses that want to compete with the Big Three? They can hire all the people who get laid off by the Big Three and start their own factories, at a lower pay rate. Or, we may find they can go into other industries that will create more economic security for the U.S. in the future. Or one of the Big Three can turn over their holdings to the workers as a co-operative that limits wages, just like they did in Argentina. They can get tax incentives for 1) educating their workforce, and 2) Creating more jobs. I would think $100,000/year would hire at least three people at $30,000/year and that is a livable wage. Even if they decided to only pay them $50,000/year it would double the workforce. More jobs, and I don’t know anyone who will turn down a $50,000/year job in this economy.

So, yes, I know nothing about the auto industry. Someone please educate me, because right now, it sounds to me like they just want something they don’t at all deserve. If they really deserve to be “bailed out” then I think the American public, which is footing the bill, needs to see the actual numbers forecasted for future job losses in comparison to present employment (no I don’t want any pie-in-the-sky fantasies of how many jobs they think they are creating for the future!), comparisons to other industries, other business plan options, etc. You name it. I want to see the business plan, for the economic growth of the United States, if they really do have as much impact as they say they do. Please, convince me, because right now, I am entirely unconvinced.

Oh, And Maybe They Don’t Really Need It

I just love this reasoning. We’re told they may not actually need the money, but they want to earmark it for themselves (pretty much freeze that money’s liquidity in the marketplace) in case they need it! I thought the whole point of the bail-out was to give it to unfreeze the market’s credit problems NOW. If they don’t really need it until maybe a year from now, come back in a year! I think there are other industries that have more impact on the economy and who make a better case for getting taxpayer’s monies right this instant.

Unrealistic Real Estate Agents Contract Forms: Earnest Money Proving A Fraud Among Buyers and Realtors

Online FraudSo, I called my lawyer and asked if she thought it was a good idea to offer the back-out buyer half the earnest money, in exchange for releasing half back to me without going to small claims court. I heard that this is sometimes done and it would make up for the loss on the townhome deposit, which I had put down due to her conditions to move out in less than 3 weeks time. The real estate attorney said to go ahead and have the real estate agents draw up a letter to that effect and she would review it. So, I called my realtor and told her that’s what we were doing.

Why Earnest Money Is A Fraud

I get a call back later that this offer that I intend to make is not correct because the real estate agents are saying there is wording in the contract forms now that give half the earnest money to the real estate firms should a buyer default. I was like:”What?! What good is earnest money if it isn’t protecting the seller?” She was adamant that they got half the earnest money, which of course, is unrealistic in the extreme. I said to her:”Give it all back, then.” From what I understand, small claims courts will divide the money anyways. If the seller gets half, and I get half (which goes to the realtor), I end up with zero and a whole lot of trouble for nothing. If my option is to give it all back or take her to court for the realtors benefits, she gets 100% of it back.

My Liability Is Their Gain?!

Think about it folks, these real estate agents believe that because they put wording in a contract giving them a piece of the seller’s pie, that we’ll go to court for them and make ourselves liable for them! I said:”What possible incentive can I have to go after money that isn’t even mine? And, if you think that I am going to take on all the liability while you take the money, it doesn’t work that way! Give it ALL back.”

Shame, Shame, Shame!

She was stunned, and kept saying:”Oh my, oh my! But, she’s in the wrong!” And, I said I didn’t care because either way it was a loss to me and it wasn’t right to put me in that position as a seller. The earnest money was supposed to protect me. What did they do to wriggle their way into that money? Absolutely nothing! Yet, they think I’m going to court to collect what amounts to their money for them? I say, let the real estate agents sue the buyer if they think it’s their money. I’ll just stay out of it and next time I will make sure this clause is not in the contract when I sign. She said it was a standard clause now. PURE GREED on their part, I’m sorry, but true. Are there no honest people out there anymore!!! It’s downright SHAMEFUL.


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Is it Nissan’s fault? Right now, I don’t care…

Car troubleThere are so many ways to suffer in this world, but in the United States financial losses seem to be the most popular way to experience loss and sadness. In other countries, which aren’t as materially blessed, they suffer things like loss of food, shelter, loved ones. It makes me wonder why we spend so much time worrying over losses of money when it rarely leads to a loss of our basic necessities. So, I really don’t get why after years of being pretty happy with my situation, the loss of my car’s function and the associated price tag has me down.

If this had been the me of yesteryear writing, I would have squarely put the blame on Nissan. Even though I do feel they shoulder much of the responsibility, the fact is that it will take years for them to ever come forward and make restitution for the millions of people who bought Nissan Altima cars with the 4L engine. Finding someone to blame doesn’t resolve my situation. I have to figure out how to get this done myself, if I want to resolve this as quickly as possible. Yeah, Nissan had a recall, big deal! They aren’t fixing any major issues because it’s obvious their poor engineering will bankrupt the company when word gets out. This car has had a ridiculous amount of recalls and many complaints about how it fails regardless. I do believe we create everything to our benefit, but sometimes we don’t get why we create what we do. This car thing is one of those times…

My Nissan Altima

I bought a 2002 Nissan Altima and it has over 80,000 miles on it by now. Last December, it started to act up, stalling when I cranked the engine. I put in over $800 of fixes trying to figure out what was wrong when I saw the recall notice details. I began to do some investigating and found out that despite their generous offer to replace this part, that it can lead to damage in the engine and they aren’t willing to do anything about that! They did put in the part, but they said they thought I might have a head gasket leak due to the car overheating. That car has never overheated due to driving, however, that part can cause problems with the engine overheating, from what I understand. I never noticed anything on my dashboard and I never had to stop for an overheated car. The furthest I ever took it during that time was 45 minutes out of the city. So, now on top of $800 worth of fixes I had to do, I am facing another $1,200 on top of that for a head gasket repair. But, that’s not the end of this financial disaster.

What’s Really Wrong With the Car?

I don’t think anyone really knows. The most honest technician I got said that he could replace the engine with a refurbished one for $3,000 to $5000 and at least he could guarantee that work. No one is willing to guarantee that fixing a head gasket leak will fix the car. And, what exactly is wrong with it? The SERVICE ENGINE SOON light is on. That little nitpicky light has cost me more money than any single innovation of man. The car runs and it does stall on occasion, but not enough for me to warrant dumping thousands of dollars on this car to turn off a bloody light. I only drive it around town, otherwise, I work from home. However, the car is due for inspection and no doubt it will fail with that light on. But, no one seems to know how to fix the car, so that the light stays off, and I still owe money on it. And, in a way, this puts me in the same situation as millions of other Nissan owners right now who are trying to figure out what to do with these lemon cars.

So, when the Dalai Lama says to take our moments of suffering and try to make that help us become more compassionate for others, I think I have millions of people I can connect with and empathize with – all Nissan Altima customers. It may make me feel better that I am not suffering alone, and adds meaning to my worthless loss, but it doesn’t resolve my basic problem – how to get this car to be in working condition. Right now, I am very limited as to how far I can go out of my way, since the car may break down any minute (according to others). I was told not to drive it on the highway either. It’s one thing to accept a loss another thing to have to replace it as soon as possible.

My Options

I’ve looked at this a million ways and I’m not sure there’s a tried and true solution here. I don’t use the car for getting to work, since I work from home. So, I’ve mulled it over and here are a few things I could do. I haven’t decided yet. Maybe someone reading here has another suggestion.

  • Take the car in and get the radiator flushed and use Bar’s Block Sealer and hope it takes and it really is a head gasket leak. Cost? Maybe a couple hundred dollars plus $10 or so for the Bar’s block sealer.
  • Don’t do anything. Leave it as is, take it in to get it inspected and let it fail. Appeal to the city to waive the inspection due to the cost of the repairs. Cost: Some initiative and luck.
  • Stop paying my car payments and let it get repossessed. It’s not a good car anyways, why keep paying on it? I don’t like this option because I feel I’m screwing my bank. It’s bad enough I’m getting screwed. Cost: My credit rating.
  • Replace the entire engine and take several thousands of dollars loss on this car. No guarantee something else won’t make it kick the bucket early too. Cost: $3,000 to $5,000 dollars that I don’t have.
  • Call my lawyer and have them sue Nissan. Cost: Too much time, hassle, and money? No guarantee the car will be fixed during that time. Still won’t solve car issue in time.
  • Manifest a new, free, car and keep paying off the old one so no one gets screwed further. This is a biggie for me, I won’t deny it. But, it’s the solution I favor. Whether I can actually do it soon, that’s a totally different question. I have looked at some advertising agencies that offer free cars, but don’t know if I qualify or which are legit. Cost: Faith and trust in the universe.

Have I missed any other options?

*Image courtesy of Flickr Creative Commons license by Jan Tik