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Cash Car Convert

James Kinson

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Cash Car Convert

Cash Car Convert

James Kinson

0
Followers
1
Plays
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About Us

Are you in auto debt? This podcast is dedicated to helping educate and inspire people like you. To enable you to kick auto debt to the curb.Helping you invest in yourself, not things.

Latest Episodes

CCC063: How Can I Get 200,000 Miles Plus?

To start this episode, I want people to take a reality check. Most ofus are too optimistic when it comes to our futures. I'm all for positive thinking, but we most often expect thefutureto be better than our pasts. This isn't always the case. This concept is illustrated by aPrudential Insurance ad where they ask people to placemagnets, one each, for something that happened to them in the past and, one each, for something they expected to happen in the future. Good things were representedwith yellow magnates and bad things were represented withblue magnates. For the past it was pretty even good and bad, but when looking into the future,people anticipatedmuch more good than bad coming their way. Click here to view thePrudential commercial. What does this have to do with cars. Well, most people buy cars on credit and base the payment on at worst their life not getting any worse and at best getting a promotion, raise, or some other type of monetary increase. This leads to all manner of ...

22 min2015 AUG 27
Comments
CCC063: How Can I Get 200,000 Miles Plus?

CCC062: Steve Stewart and the Cash Car Story

Steve Stewart back on the Cash Car Convert show to tell his Cash Car Story. Okay, Steve agreed to be on to get me back behind the microphone. The things some people will do to help a friend. He continues to be a great supporter of this show. I'mhumbled and appreciate hissupport. Let's just say he has "bought" into the cash car lifestyle. It was great to see Steve at the Podcast Movement 2015 in Fort Worth, Texas. We didn't get to hang out too much, but it was great to see him and his cash car. Hedoes have a great cash car story and we will get to it now. Steve bought a cash car in Dallas Texas in Aprilthis year. This wasn't a typical transaction. Steve lives in St. Louis! Why didSteve come to Dallas to buy his cash car? Click to Listen: [powerpress] It all started when I posted aCraigslist ad onthe Cash Car community page onFacebook on April2nd. Steve's response to my post was the following, "an I send you a check and a little extra for your trouble to look at it for me? I'm 75% ser...

43 min2015 AUG 21
Comments
CCC062: Steve Stewart and the Cash Car Story

CCC061: Lauren Bowling from L Bee and the Money Tree

What a great show we have today! Today, we have a young lady, Lauren Bowling, on who was a theater major and graduated with no student loan debt. Her parents made sure she had no student loans. The foe of most every college student got her though, credit cards. She finished college with thousands in debt and a dream. Lauren Bowlingdreamed of being an actor in New York city. With $300 and her dream, she left home for New York. Soon after she arrived between the debt and lack of acting jobs, Lauren was forced to take an administrative job at a hedge fund company. Lauren spent her time there paying down her debt and learning from the fiscally responsible people working at the hedge fund. After Lauren paid off her debt, she started to pursue her acting, only to find she didn't really enjoy it. She didn't really love the audition process. She said her nerveswould often get the best of her. She often didn't perform at her best. Lauren decided to head back home and take up residence with h...

35 min2015 JUN 21
Comments
CCC061: Lauren Bowling from L Bee and the Money Tree

CCC060: The One Thing

Hey converts! It feels good to be back behind the mic! April was a busy month! Taxes were due to be filed and I had and audit for the previous year's taxes. Yikes! My wife and I Bought two houses using the1031 exchange program to defer taxes on a house we sold in March. We rented both houses in just a couple of weeks. It feelsgood to have an additionalsource of revenue. I also helped Steve Stewart from MoneyPlanSOS.com buy a cash car. I recently read a book called The One Thing by Gary Keller and Jay Papasan. There was a great quote in the book. It really resonated with me. "What's the ONE Thing you can do such that by doing it everything else will be easier or unnecessary?" What if I told you if you did this one thing you could retire wealthy? Would you want to know what it is? This one thing. If you knew what this one thingwas, would you do something about it? For most people, the answer is no. Shocked? You shouldn’t be. After all, millions of people smoke, eat unhealthy, or enga...

30 min2015 JUN 17
Comments
CCC060: The One Thing

CCC059: Amy Robles a Woman Enriched

Hey converts! Today's guest is on due to a Facebook post. Wild, right? Well, I was so impressed with the post that I knew I had to have this person on. Lucky for me, she was kind enough to agree to be on the show. She has an awesome story and I know you will be inspired and blessed by her story. We areblessed todayto have Amy Robles from Woman Enriched. Amy and her husband wanted to pay off their debt. Things got off to a slow start, but they then discovered Dave Ramsy's show and his Financial Peace University education. That changed their trajectory. They wound uppayingoff $25,000of credit car debt in 2014. She continues to work on her student loan debt, but I knowwith the way she is willing to sacrifice combined with her creative mind, she will succeed. All of that is amazing, but now to why she is on my show. You know what to find out, you just have to listen. Enjoy!

46 min2015 APR 18
Comments
CCC059: Amy Robles a Woman Enriched

CCC058: My "New" Used Cash Car

My wife and I finally bought our third used car, after thinking about it for a couple of months, and just in time. My mother-in-law arrived tonight. So, we won't have to do the car shuffle. After thinking of something sporty or maybe small and super economical, we finally decided on something in the middle. Really practical. We bought a 2010 Ford Fusion SEL for $9,500.The owner had already bought a new Ford Edge and was ready, though not desperate, to sell. Here are the details from the ad that caught my attention. Canyou tell why it did? 2010 Ford Fusion SEL:- Sangria Red- Beige leather interior- 2.5L V4 engine, has good power and gas mileage- 80,736 milesFeatures:- Microsoft SYNC voice-activated communications- power windows/locks/mirrors- keyless remote entry- cruise control- tilt/telescoping steering column- AM/FM/CD/MP3 audio system- 60/40 split/folding rear seat- AdvanceTrac stability/traction control- anti-lock brakes- front/front-side/side-curtain airbags- SIRIUS satellite r...

32 min2015 MAR 3
Comments
CCC058: My "New" Used Cash Car

CCC057: Help, I'm in an Auto Lease!

Today, I will go through articles Ifound on the web to help listeners determine the best way to get out of an auto lease. US News and World Report: Buying vs. Leasing Benefits of Leasing a Car Leasing a car is similar to financing the purchase of the car in many ways, but there are some key differences. You might be able to get more car for less money by leasing. That’s because a car loan is based on the full price of a new car, while a lease is based on only a percentage of the car’s price. For example, on a $30,000 car, you’d finance the entire $30,000 purchase price with a car loan. With a car lease, you only pay the difference between the car’s price and what it’s expected to be worth at the end of the lease, which is a car’s residual value. So if the car’s residual value is 55 percent after three years, for example, that means the $30,000 car would be worth $16,500 at the end of the lease. You’d make lease payments on the remaining $13,500 and not the full $30,000.http:...

26 min2015 FEB 23
Comments
CCC057: Help, I'm in an Auto Lease!

CCC056: Ron Whitson - Beating Debt with a Cash Car or Two

This is a special episode for me! I'm getting to interview a friend I've know for about 10 years. He and I have played tennis with and against each other. His name is Ron Whitson. Ron is a classguy, and it is my honor to call him friend. A while back, I was on Facebook posting about my show. Ron was online and saw the post. He quizzed me about what I was doing. I explained my passion for helping people drive cash cars. Ron informed me he too was a cash car convert. He further explained he was driving a 2001 Honda CRV with 196,000 miles he had purchased for $2200 cash. I knew right then, I wanted to have him on my show to share his story. Being on the ball as I am, he is joining me about 6 months later. On the show today, Ron is going to share with us his journey that started in September of 2013 with he and hisnew bride having 17 credit cards to a coupleliving on a budget and usinga cash envelope system. What ametamorphosis! How did he get started? He went toDave Ramsey'sFinancial P...

73 min2015 JAN 30
Comments
CCC056: Ron Whitson - Beating Debt with a Cash Car or Two

CCC055: The One I didn't Buy - Mercedes SLK230

I want to start off the show talking about my pastor's current series atGateway Church, the Blessed Life. It is an awesome series and I would recommend anyone give it alisten. It will change your life. It is based on Pastor Robert Morris' best selling book of the same name. The Blessed Life:http://gatewaypeople.com/articles/blessed-life As part of this series, we as a church body are being challenged to "Bless a Life". I speak to ideas we were given for blessing others. I would encourage you as a listener to this show to bless a life this week. It can be something small. Sometime the small things have have the greatest impact. Bless a Life:http://cashcarconvert.com/blessalife If you bless a life this week, let me know.Drop me an e-mail atjames@cashcarconvert.com. My wife and I were driving back from Dallas last weekend, January 17, and we have been kicking around the idea of buying a third car for quite sometime. We had a third car for about 6 years between 2004 and 2010.It is handy...

35 min2015 JAN 27
Comments
CCC055: The One I didn't Buy - Mercedes SLK230

CCC054: What You Need to Know About Auto Leasing

Let's explain the dangers of auto leasing! Jeff Bartlett, deputy automotive editor at Consumer Reports“If you asked me what is the most expensive way to get a car, the answer would be: You only want to own it during its period of greatest depreciation and then move to another new vehicle.” “Well, that’s what leasing is.” lease noun \ˈlēs\: a legal agreement that lets someone use a car, house, etc., for a period of time in return for payment Click to Listen [powerpress] How is the payment calculated? Purchase price - how much you pay, you should negotiate just as hard as if you were buying Cost of money - interest rate Lease term - number of months of the lease Residual value - estimated value of what the car will be worth at lease end Sales tax - You will only pay taxes on the sum of your payments, which is the difference between the purchase price and residual value. What is the average lease payment? Avg auto loan in Q4 2013 $471Avg auto lease in Q4 2013 $420 What are the g...

28 min2015 JAN 16
Comments
CCC054: What You Need to Know About Auto Leasing

Latest Episodes

CCC063: How Can I Get 200,000 Miles Plus?

To start this episode, I want people to take a reality check. Most ofus are too optimistic when it comes to our futures. I'm all for positive thinking, but we most often expect thefutureto be better than our pasts. This isn't always the case. This concept is illustrated by aPrudential Insurance ad where they ask people to placemagnets, one each, for something that happened to them in the past and, one each, for something they expected to happen in the future. Good things were representedwith yellow magnates and bad things were represented withblue magnates. For the past it was pretty even good and bad, but when looking into the future,people anticipatedmuch more good than bad coming their way. Click here to view thePrudential commercial. What does this have to do with cars. Well, most people buy cars on credit and base the payment on at worst their life not getting any worse and at best getting a promotion, raise, or some other type of monetary increase. This leads to all manner of ...

22 min2015 AUG 27
Comments
CCC063: How Can I Get 200,000 Miles Plus?

CCC062: Steve Stewart and the Cash Car Story

Steve Stewart back on the Cash Car Convert show to tell his Cash Car Story. Okay, Steve agreed to be on to get me back behind the microphone. The things some people will do to help a friend. He continues to be a great supporter of this show. I'mhumbled and appreciate hissupport. Let's just say he has "bought" into the cash car lifestyle. It was great to see Steve at the Podcast Movement 2015 in Fort Worth, Texas. We didn't get to hang out too much, but it was great to see him and his cash car. Hedoes have a great cash car story and we will get to it now. Steve bought a cash car in Dallas Texas in Aprilthis year. This wasn't a typical transaction. Steve lives in St. Louis! Why didSteve come to Dallas to buy his cash car? Click to Listen: [powerpress] It all started when I posted aCraigslist ad onthe Cash Car community page onFacebook on April2nd. Steve's response to my post was the following, "an I send you a check and a little extra for your trouble to look at it for me? I'm 75% ser...

43 min2015 AUG 21
Comments
CCC062: Steve Stewart and the Cash Car Story

CCC061: Lauren Bowling from L Bee and the Money Tree

What a great show we have today! Today, we have a young lady, Lauren Bowling, on who was a theater major and graduated with no student loan debt. Her parents made sure she had no student loans. The foe of most every college student got her though, credit cards. She finished college with thousands in debt and a dream. Lauren Bowlingdreamed of being an actor in New York city. With $300 and her dream, she left home for New York. Soon after she arrived between the debt and lack of acting jobs, Lauren was forced to take an administrative job at a hedge fund company. Lauren spent her time there paying down her debt and learning from the fiscally responsible people working at the hedge fund. After Lauren paid off her debt, she started to pursue her acting, only to find she didn't really enjoy it. She didn't really love the audition process. She said her nerveswould often get the best of her. She often didn't perform at her best. Lauren decided to head back home and take up residence with h...

35 min2015 JUN 21
Comments
CCC061: Lauren Bowling from L Bee and the Money Tree

CCC060: The One Thing

Hey converts! It feels good to be back behind the mic! April was a busy month! Taxes were due to be filed and I had and audit for the previous year's taxes. Yikes! My wife and I Bought two houses using the1031 exchange program to defer taxes on a house we sold in March. We rented both houses in just a couple of weeks. It feelsgood to have an additionalsource of revenue. I also helped Steve Stewart from MoneyPlanSOS.com buy a cash car. I recently read a book called The One Thing by Gary Keller and Jay Papasan. There was a great quote in the book. It really resonated with me. "What's the ONE Thing you can do such that by doing it everything else will be easier or unnecessary?" What if I told you if you did this one thing you could retire wealthy? Would you want to know what it is? This one thing. If you knew what this one thingwas, would you do something about it? For most people, the answer is no. Shocked? You shouldn’t be. After all, millions of people smoke, eat unhealthy, or enga...

30 min2015 JUN 17
Comments
CCC060: The One Thing

CCC059: Amy Robles a Woman Enriched

Hey converts! Today's guest is on due to a Facebook post. Wild, right? Well, I was so impressed with the post that I knew I had to have this person on. Lucky for me, she was kind enough to agree to be on the show. She has an awesome story and I know you will be inspired and blessed by her story. We areblessed todayto have Amy Robles from Woman Enriched. Amy and her husband wanted to pay off their debt. Things got off to a slow start, but they then discovered Dave Ramsy's show and his Financial Peace University education. That changed their trajectory. They wound uppayingoff $25,000of credit car debt in 2014. She continues to work on her student loan debt, but I knowwith the way she is willing to sacrifice combined with her creative mind, she will succeed. All of that is amazing, but now to why she is on my show. You know what to find out, you just have to listen. Enjoy!

46 min2015 APR 18
Comments
CCC059: Amy Robles a Woman Enriched

CCC058: My "New" Used Cash Car

My wife and I finally bought our third used car, after thinking about it for a couple of months, and just in time. My mother-in-law arrived tonight. So, we won't have to do the car shuffle. After thinking of something sporty or maybe small and super economical, we finally decided on something in the middle. Really practical. We bought a 2010 Ford Fusion SEL for $9,500.The owner had already bought a new Ford Edge and was ready, though not desperate, to sell. Here are the details from the ad that caught my attention. Canyou tell why it did? 2010 Ford Fusion SEL:- Sangria Red- Beige leather interior- 2.5L V4 engine, has good power and gas mileage- 80,736 milesFeatures:- Microsoft SYNC voice-activated communications- power windows/locks/mirrors- keyless remote entry- cruise control- tilt/telescoping steering column- AM/FM/CD/MP3 audio system- 60/40 split/folding rear seat- AdvanceTrac stability/traction control- anti-lock brakes- front/front-side/side-curtain airbags- SIRIUS satellite r...

32 min2015 MAR 3
Comments
CCC058: My "New" Used Cash Car

CCC057: Help, I'm in an Auto Lease!

Today, I will go through articles Ifound on the web to help listeners determine the best way to get out of an auto lease. US News and World Report: Buying vs. Leasing Benefits of Leasing a Car Leasing a car is similar to financing the purchase of the car in many ways, but there are some key differences. You might be able to get more car for less money by leasing. That’s because a car loan is based on the full price of a new car, while a lease is based on only a percentage of the car’s price. For example, on a $30,000 car, you’d finance the entire $30,000 purchase price with a car loan. With a car lease, you only pay the difference between the car’s price and what it’s expected to be worth at the end of the lease, which is a car’s residual value. So if the car’s residual value is 55 percent after three years, for example, that means the $30,000 car would be worth $16,500 at the end of the lease. You’d make lease payments on the remaining $13,500 and not the full $30,000.http:...

26 min2015 FEB 23
Comments
CCC057: Help, I'm in an Auto Lease!

CCC056: Ron Whitson - Beating Debt with a Cash Car or Two

This is a special episode for me! I'm getting to interview a friend I've know for about 10 years. He and I have played tennis with and against each other. His name is Ron Whitson. Ron is a classguy, and it is my honor to call him friend. A while back, I was on Facebook posting about my show. Ron was online and saw the post. He quizzed me about what I was doing. I explained my passion for helping people drive cash cars. Ron informed me he too was a cash car convert. He further explained he was driving a 2001 Honda CRV with 196,000 miles he had purchased for $2200 cash. I knew right then, I wanted to have him on my show to share his story. Being on the ball as I am, he is joining me about 6 months later. On the show today, Ron is going to share with us his journey that started in September of 2013 with he and hisnew bride having 17 credit cards to a coupleliving on a budget and usinga cash envelope system. What ametamorphosis! How did he get started? He went toDave Ramsey'sFinancial P...

73 min2015 JAN 30
Comments
CCC056: Ron Whitson - Beating Debt with a Cash Car or Two

CCC055: The One I didn't Buy - Mercedes SLK230

I want to start off the show talking about my pastor's current series atGateway Church, the Blessed Life. It is an awesome series and I would recommend anyone give it alisten. It will change your life. It is based on Pastor Robert Morris' best selling book of the same name. The Blessed Life:http://gatewaypeople.com/articles/blessed-life As part of this series, we as a church body are being challenged to "Bless a Life". I speak to ideas we were given for blessing others. I would encourage you as a listener to this show to bless a life this week. It can be something small. Sometime the small things have have the greatest impact. Bless a Life:http://cashcarconvert.com/blessalife If you bless a life this week, let me know.Drop me an e-mail atjames@cashcarconvert.com. My wife and I were driving back from Dallas last weekend, January 17, and we have been kicking around the idea of buying a third car for quite sometime. We had a third car for about 6 years between 2004 and 2010.It is handy...

35 min2015 JAN 27
Comments
CCC055: The One I didn't Buy - Mercedes SLK230

CCC054: What You Need to Know About Auto Leasing

Let's explain the dangers of auto leasing! Jeff Bartlett, deputy automotive editor at Consumer Reports“If you asked me what is the most expensive way to get a car, the answer would be: You only want to own it during its period of greatest depreciation and then move to another new vehicle.” “Well, that’s what leasing is.” lease noun \ˈlēs\: a legal agreement that lets someone use a car, house, etc., for a period of time in return for payment Click to Listen [powerpress] How is the payment calculated? Purchase price - how much you pay, you should negotiate just as hard as if you were buying Cost of money - interest rate Lease term - number of months of the lease Residual value - estimated value of what the car will be worth at lease end Sales tax - You will only pay taxes on the sum of your payments, which is the difference between the purchase price and residual value. What is the average lease payment? Avg auto loan in Q4 2013 $471Avg auto lease in Q4 2013 $420 What are the g...

28 min2015 JAN 16
Comments
CCC054: What You Need to Know About Auto Leasing
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