This article reminded me of the time Mom dickered with a car dealer on a price for a car, got a firm quote (after discussing loan terms more favorable to the dealership than herself) and then pulled a wad of cash out of her purse to pay for the car on the spot. She meant to pay cash all along, as it was from an insurance settlement — she just wanted to string the guy along and see how low he’d go. The suggestions in the article are pretty good; however what we’ve done with our vehicles is pay them…