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not as long as you negotiate price separately from payment, and get a payment calculator app for your iphone to check the payments the salesman is giving you. It is a common practice to put 'air' in a payment to make the bump in finance easier. negotiate only price and rate/term. figure the payments out yourself. dinkytown.net is a good resource. get a good warranty, and negotiate that too.
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This body holding me reminds me of my own mortality
Embrace this moment, remember
We are eternal, all this pain is an illusion ~MJKeenan
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