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Being upside down — also called “underwater” or negative equity — means you haven’t finished paying off your existing vehicle and you still owe more on it than it’s worth as a trade-in or resale. Until recently, auto lenders were willing — often even happy — to allow you to add the remaining balance on your existing car to the loan you took out for the new car, but because of the economic conditions, they’re no longer anxious to do that. That rollover of the existing balance was so common that, judging by questions Bankrate receives from readers, people are likely to be surprised and disappointed to learn that they really do have to pay off the old loan. That is, instead of putting the cash rebate directly towards the new vehicle, buyers can use it towards paying off the loan on their trade-in. He says that in the fourth quarter of 2007, the age of the average trade-in was 68 months but by the fourth quarter of 2008 the average age jumped to 76 months from the year-ago quarter, or about 12 percent older. read more

Steve Howard exits a Continental A-36 Roadster kit car, one of more than 200 cars for sale at the Kruse International Greater Amarillo Collector Car Auction at Vintage Autohaus and Imports. More than 150 cars wait in the warehouse for sale at the Vintage Autohaus and Imports. For the car-collecting enthusiast, Saturday might be like a buffet line of vintage, classic, muscle and street rod cars to sample and admire - and certainly to buy. Street rod and muscle cars are from the early 1970s that now include some Pontiac Trans Ams from the middle and latter part of that decade. The oldest cars for auction Saturday are a 1930 Ford Model A Woody, a 1931 Ford mail truck and a Ford Victoria from that same year. Cars from the 1950s and 1960s, like the Chevy Bel Airs, Impalas and Corvettes, and the Ford Thunderbird and Mustang, will be among the classics, while Camaros, Malibus and GTOs to headline the muscle cars. read more