hard up for business

That too is true. If your business isn't better and doesn't offer more than the other business does, then no one will want to go to your business for what they need.

That is true but if your offer isn't a whole lot better than what a person currently has why try to convince them that your offer is better though it may not be in the long haul.

True true! Yep, by helping keeping the small businesses going especially farmers. There's alot to factor in in regard to savings or no savings when shopping. Right now with gas it could turn into a senario where say something you know is .50 cheaper somewhere else but you know you won't be going to that store any time soon so is it worth your gas to save the .50 to go to several miles out of your way?

Hard to say but after talking to hubby to save that ten dollars they'd be adding another year in payments on his car. Truly no savings.

Hi, Sharon, sometimes when yo refinance things, you pay out for a longer time, and end up spending more money all the way around, or they hide extra fees that just get more money from you and you do not really save anything. If I saved ten dollars a month and paid for sixty months instead of paying what I already do for forty eight months, let us just say his bill is $100 per month for an even number, save $10 and it is $90. In the end, if you do the $90 you pay out $540, but if you stick with $100 for 48 months you only pay $480. They may also charge a fee for rewriting the note, and anything else they can dream up. Of course, this is not insurance, this is the car payment itself. If you can find a way to save $10 per month on your insurance it is generally a really good thing. If this company really wants their business they may come up with a better deal.

Exactly Gerty! $10 isn't much of a savings sure it's 120 savings a year BUT I'd still be paying on it a year longer to boot. So not really saving. I'd save by being paid early and paying a lil more if our finances allow. Though for Gifts the only way to lower insurance is time. Since she has just started driving she doesn't have any reduced prices for being claim fee yet, long term customer, multiple policy discounts, good credit rating, where you live, where you drive (to work/ school/ or as a recreational vehicle), how old your car is, type of car you have are all that I can factor in.

He already found a place. I guess I should of clarified but they wanted us to refi our car with them for that ten dollar savings BUT add nearly a year to the loan for that savings. When if you think about it if I just overpay the loan by a few dollars and pay it before it's due that'll shave down the overall interest and life of the loan.