These are not "shady" deals, but I think that all 3 favor the dealership, and not the auto owner. 1. Extend the warranty from 5 to 7 years for $1480 and get the money back if no claims. This is a free loan of $1480 to the dealer for 7 years and it probably does not cover much, maybe just the drive train. These parts are already warranteed for 5 years. What happens if the dealership changes hand, goes out of business, or re-incorporates before the 7 years is up? These days, auto dealerships are very fluid and a long term, fixed business arrangement for 7 years is more rare than new dealerships. Do you thnik you will own this vehicle for 7 years? What happens to your money if you replace this vehicle within 5 years? 2. Rust proofig for $848 or more option at $1248. The time to add rust proofing to a vehicle is when it is new and the surfaces are clean. This one is a maybe. Some sources say it is wasted money. It all depends on what is done. If it merely duplicates the coatings already placed by the manufacturer, it is not very helpful. It may offer some protection if you live on a gravel road where the undercarraige gets pelted with stones on a regular basis. If they add coatings to the interior of the doors, be careful here. Too much in the wrong place can gum up the workings of electric door locks; It can plug door drains. If you live in the "rust belt" where road salts are used extensively, it may some added value. This one is a judgement call. 3. Accident and health insurance. This is assurance (to the dealer) that you'll have cash to pay off the loan in case of debilitating accident or sickness to you. Very likely, it will be written to the effect that in case of accident or illiness, the car loan is the first item to be satisfied. If you are employed, have adequate health and life insurance, this is not needed. For a long trerm loan, say 5 years, the dealer (and loan agency) is very anxious to make sure that the loan covered.

Since US Bank employees obviously can't understand relatively simple documents, like the Terms Of Service here, which prohibit your spam, why would anyone choose to do business with your company?

A) pay loan Balance + walk away sounds tempting, but may not be feasible? B) pay loan Balance + $3K (cost of repair) may have to borrow money on yet another risk? C) pay loan Balance + cost of another used car may have to borrow money on yet another risk? D) pay loan Balance + cost of lease may have to borrow money, but will have a new car/warranty. Hmmmmm. I assumed he needs a car. So... I see option B & C about equally risky. Anyway, I generally don't like leases, but maybe it's worth looking into?

Ooh, I"m the mean mom on this one-no, I never let my kids eat or drink in the car. Ever. Not when they were tiny, not older with fast food, not now as teenagers. I bought my (first ever in my life) brand new vehicle when I was pregnant with my first child. To be honest, I knew that the crud of food detritus that ALWAYS results from little ones and food in a car would be impossible for me to bear so I figured it was best not to even start it. So we never did. I do have to say that if you are going to have a no-food rule in the car, it probably has to be something that starts from the very beginning. I think it would be extremely difficult to enforce once the kids (and mom :) are used to it. Oh, and I am such a neat freak I couldn't bear to let my toddlers sit in a high chair and smear food all over themselves. Just couldn't stand it. So no photos of my one year old wearing birthday cake all over the face, body and furniture, no watching them smear peas into a paste all over "brrr, gives me the shudders to think of it) etc...they feed themselves fine anyway nowadays. They'll probably be talking about mean old mom in therapy for years though! Ann