Monday, September 21, 2015

Sex Rules I Wish I'd Given Myself When I Was Single

            I grew up Catholic.  I went to an all-girls’ Catholic school for six years.  I had abstinence-only sex education in high school.  While I was lucky enough to be able to find solid sex education resources outside of school, the environment I grew up in was very clear about their attitude toward sex:  sex is for marriage, and not waiting for marriage is a radical, even slutty, act.
            When I went off to college, I rebelled.  Well, I rebelled eventually.  I knew I wasn’t ready my freshman year.  Sophomore year I was definitely ready, but I didn’t want to lose my virginity to a one-night stand.  I also absolutely did not want a boyfriend.  That’s what I told myself – I didn’t have time for a boyfriend.  I wasn’t looking for a boyfriend.  I thought it would be embarrassing to admit I wanted a boyfriend, that it would be silly and anti-feminist of me to admit I wanted a boyfriend, and so I made it very clear that I wasn’t looking for a boyfriend.
            I wanted the casual.  I wanted a casual hook-up.  I wanted my first time to be with a guy who I’d been casually hooking up with until he casually swiped my v card during some casual sexing.  This was The Casual Dream for me.
            I finally got this wish fulfilled the summer between sophomore and junior year of college.  We only saw each other when at parties, and absolutely never sober.  We didn’t know if we had anything in common besides a love of having a great time.  I’m sure I sent out mixed messages.  “I don’t want anything serious, but why aren’t you talking to me as much as I want you to talk to me?”  I’m sure I got labeled Crazy because of this super fun emotional flip-flopping.
            I realize now that my desire for something casual, coupled with my inability to at all be casual (I’m just not a casual person, which I finally realized at the tender age of 24), stemmed from a lack of self-esteem (fear of rejection), a rebellion against the conservative sexual morals I was taught when I was younger, and a fear of my future relationship not measuring up to what I saw in the romcoms I watched on TV.  In truth, I didn’t think there was anything wrong with my sexual desires, and because I had been taught for so long that a “loose woman” is to be looked down on, I ignored my own personal emotional desire for a traditional relationship in order to rebel fully against the judgmental and harmful teachings I learned in an abstinence-only environment.
            You are allowed to be a radical feminist and still want a monogamous relationship for yourself, as long as you understand it’s not for everybody.  That took me so long to learn.

            Once I lost my virginity, I discovered my love for the one-night stand.  And honestly, the first several one-night stands I had were amazing.  I have no regrets.  They make great stories, the boys were a ton of fun, and I didn’t feel bad about myself at all.
            The problem is that, in my zeal to eschew traditional sexual morals, I didn’t realize I needed to set some ground rules for myself.  This is the thing I regret most about my sexual promiscuity:  in my desire to show how “fun” and “fuckable” I was, I forgot to check in with myself and what I was comfortable with on multiple occasions.  I thought my sexual promiscuity made for some great stories and some great jokes, and for a while I couldn’t always tell when my experiences veered from “just some good sex fun LOL” to “oh god, Caitlin, how could you let a guy treat you like that?”
            I tried to play off the stories that fell into the second category as No Big Deal, because otherwise I, a self-identified Strong Independent Woman, had turned into someone weak and dependent and silly and bad and dumb.  The bravado I normally exhibit when it comes to topics or activities I am well-educated about disappeared when it came to knowing what is and isn’t proper protocol during casual sex.  I didn’t speak up when I was uncomfortable, and I ignored those feelings as they cropped up because I didn’t know I was allowed to have them.  There is nothing wrong with being sexually active, but, like everything else, you have to make sure you’re enjoying it and you’re being safe – physically and emotionally.
            I don't write this article for pity or sympathy.  I'm very happy with where I am now, and I had some pretty great times with some pretty great guys overall.  Mostly, this article is to help women who want to be sexually active realize the importance of setting emotional ground rules for yourself.  There is no need to be too embarrassed to say "no" or "don't."


            Here are some rules I wish I had when I was single and sexually active:

1.    If it makes you feel weird, just don’t.  You don’t need to explain yourself.
I remember one night in college I went home with a guy, and we were both too drunk to do much of anything.  The next morning we sort of started hooking up again, until he stopped, turned over, and just started masturbating. 
Since I never talked about this with anyone, I assumed it was normal and let it happen more than once with more than one guy.  This is not a condemnation of mutual masturbation – if that’s your thing, go for it!  But I didn’t personally like it, I felt neglected or even less than human lying in bed next to the Mister Masturbating Man, and instead of exploring those feelings and saying “hey, this is weird, I don’t like it,” I wrote it off as part of a thing that happens when you’re sexually active and single.
I wish now I had told the guy “um, excuse me, but you’re not alone – maybe work on getting me off too?”  Or I wish I had told somebody else this story to get an outside perspective.  By the time I made a joke about it to a friend (“you know those guys that just masturbate next to you instead of fucking you?  What’s that about?”) and she shook her head, letting me know that she actually had never experienced that and that it wasn’t “just part of being sexually active,” I was already pretty much done with this part of my life anyway.


2.    If you’re not having sex right now, or you haven’t had sex in a while, that doesn’t make you a prude, and there’s nothing wrong with you.
It just means you’re not lowering your standards during a drought.  DON’T LOWER YOUR STANDARDS.  It’s not worth it.


3.     You can have a fun night out even if it doesn’t end in sex with a stranger.
I KNOW THIS IS SUPER OBVIOUS.  And I know saying this is going to make people call me names.  Fine.  Truthfully, there were many nights where I went out hoping to go home with someone, and if I didn’t, I felt like the night had been a failure.  That’s a pretty terrible way to look at a night out, obviously.  You can be sexually active without putting all your self worth into whether or not you managed to get laid that night.  Once I learned this lesson, bars were almost always guaranteed a good time.


4.    Being a sexually active female doesn’t give the guy you’re being sexually active with the right to treat you with anything other than respect.
One guy called me a cab afterwards that I ended up having to pay for.  Another made a big show of going to sleep while I was in the middle of talking to him.  Even writing about this, I get embarrassed all over again.  I just thought that was part of being sexually active.  Of course you don’t want to get breakfast with your one-night stand.  That’s weird.  I don’t want that either.
But there’s a big difference between not wanting to hang out with your one-night stand, and not treating your one-night stand like a piece of shit.  You’re allowed to demand respect for yourself.


5.    If a guy isn’t respecting some basic ground rules you lay down from the get-go, you are allowed to just leave.
The one rule I was always pretty good about was condom use.  Unless you’re on birth control and in a committed relationship, condoms are an absolute must.   Everything that can go bad from not wearing a condom is worse for the woman – pregnancy, for example, or certain STIs which affect women more than men (like HPV).
When I was 22, I went on a date with a 29-year-old guy who I knew was kind of a jerk, but I also knew he was 6’4” and that I was “just looking for something casual.”  He bragged about himself most of the night, and I was definitely not interested in seeing him in social situations, but I figured it’d be nice to have a fuck buddy.
So on the first date we had sex in his truck.  He at first tried to have sex without a condom, and he mentioned he had recently been tested as an argument for going bareback, but I insisted, and he acquiesced without too much further debate.
On the second date, I went over to his apartment so he could take me out to dinner.  Pretty much right away we started hooking up, and then he bent me over a chair and tried to have sex with me without a prophylactic.
“Not without a condom,” I objected.
“I have something better,” he said.  “I have tests from a few months ago and also from ten days ago.”
“Get a condom.”
“I don’t have any condoms.”
This 29-year-old sexually-active man did not have condoms in his own apartment?  I didn’t believe it.  Especially with his STI tests lying around, easily accessible for the curious sexual partner he brought home from time to time.
“So I guess we’re not having sex.”
“But look, I have tests.”
“That’s funny – that’s not a condom.”
“Are you on birth control?”
“Yes, but I like to be safe.  I don’t have sex without a condom.”
The man had absolutely no regard for my feelings or my comfort level during sex.  He was only focused on what felt best for him.  Sex is an act between two people, and both people's feelings should be consulted during said act.
This is when I should have left. 
He offered to give me a massage.  He stripped me down (which I hated, but I didn’t have time to say no).  He got out sex toys.  Then, after some massage time, he turned me over and tried to thrust inside me.  I literally put my hand down over my vagina to stop it.
He thought he could trick me into having sex with him without a condom, despite my clear objections to it earlier in our conversation.
This is when I should have left.
“I said not without a condom!” I yelled.  “Did you really think you were going to get me so worked up I was just going to forget?”
He stared at me, totally in shock that this technique didn’t work.  He got off me, and now he started to “reason” with me.
He thought he could convince me to give up on the only rule I had laid out for myself, simply because it felt better if we did things his way.
This is when I should have left.
“Would you ever not wear a condom?” he asked me.
“If I was in a committed relationship, maybe.”
“How long until you don’t wear a condom with someone?”
“I don’t know!  A few months?  I’m not being unreasonable here!”
“But I have tests-“
“A test doesn’t tell me if you’re a carrier for HPV!  There are no tests that can show that out there right now!  We’re not having sex without a condom!”
“Well, if there are no tests that show that, then what is the point in waiting?  You’ll never know.  What will waiting do?”
Objection after objection after objection, and he was still trying to argue with me as though this was a legitimate intellectual debate.  It's not an intellectual debate - my feelings about what I am and am not comfortable with during sex are not up for debate.
This is when I should have left.
“This is our second time hanging out,” I explained.  “I am not being ridiculous right now for insisting you wear a condom.”
He sighed, realizing I wasn’t going to see the error of my ways and listen to his superb reasoning skills.  He went over to his drawer to fetch a condom.  A condom he said he didn’t have.  I caught him red-handed in a lie.
This is when I should have left.
We had sex.  He put me in a position that hurt.  I told him it hurt and moved my legs so I was more comfortable.  He moved my legs back.  I was too tired of arguing with him at this point, so I just waited for it to be over.
This is when I should have left.
He took me out to dinner.  I made sure he paid for it.  We ordered expensive sushi.  I figured it was the least he could do.  Then he thought we were going to keep making out, keep hanging out, keep having sex for the rest of the night.  I told him I was tired, and that I had to go home.  In a terrible mood, I went out to a bar with some friends to drink and forget the whole thing.
This is when I finally left.
He texted me four days later to say "hey nerdo."  I didn't respond.  He probably thought he got off easy - the prude who insisted on a condom during sex would just end up being an annoying hassle after a while.

I told that story to a few friends.  Some of them just got kind of quiet.  Some of them pointed out how semi-rapey the whole thing got, even though I never explicitly said “no” to sex.  One of my (former) friends announced that she definitely would have left, that she would never let someone treat her like that, which made me feel pretty terrible about myself – like she was the Strong Independent Woman I was only pretending to be.  (Do not, if a friend tells you about an experience like this, tell your friend what you would have done differently.  You’re not helping.)

I even tried to write a comedy script about a sexually active young woman, and I wanted to start with this scene.  I thought because I was so insistent on the condom that I was doing everything right.  But when I wrote the scene down, it wasn’t funny.  It was sad.  It was weird.  I chalked it up to not enough time passing, to me not figuring out how to make it funny yet, and put the story aside.
It took me a few years to come to terms with how unacceptable his behavior was, and that I don’t have to put up with shit like that from anybody.  I couldn’t make the scene funny because it wasn’t funny.
The consolation I get from the whole thing is that he smelled pretty rank, and I’m sure I’m not the only one to notice that.


6.    If one-night-stands aren’t fun anymore, stop doing them.
This lesson I did eventually learn.  It just took me a year longer than it should have.


7.  Vacation one-night stands are the best one-night stands.
I did also eventually learn this lesson too.  I still stand by it.  When you're both from different places, it just puts less pressure on worrying about running into each other at a later date.  You have more fun.  You let loose a little more.  You even open up sometimes, because everyone knows this isn't going anywhere, and we don't have to worry about those stupid, confusing things we call "feelings."


8.    Don’t let anyone judge you for how many or how few people you’ve been with.
Oh man.  This was one of those things I knew in theory, but in practice it was a totally different animal.
Did you ever see the movie “What’s Your Number?”  It’s terrible.  Don’t bother.  But one of the worst scenes in the movie is when a bunch of women get together to talk about how many men they’ve been with.  If it’s more than 20, you have a better chance of being blown up in an airplane than in getting married.  (I’m never getting married, but then, neither are any of my friends.)
The “slut” of the group had been with 13.  Jesus.  I might as well kill myself now.
First of all, not getting married is just not the worst thing that can happen to you.  Being in a terrible, loveless marriage is far worse.
Second of all, how many people you’ve slept with is your business, and it shouldn’t affect how a future partner sees you.
There’s of course the old joke (you might remember it from “American Pie 2”) that, when a guy tells you how many people he’s slept with, divide that number by three to get the actual number.  When a girl tells you, multiply that number by three to get the actual number.  A woman lies to minimize her sexual experience lest you judge her a “slut” and look down on her.  I was obviously against this in theory.  You shouldn’t have to feel bad about your number. 
Then I met my boyfriend.
On our third date, the conversation turned towards number of sexual partners.  My boyfriend said his number, which was less than half of mine.  I confidently told him my number, and then I immediately regretted it. 
“Oh god,” I panicked.  “I just heard that out loud.”
I was suddenly terrified he was going to think I was a slut, and I was so mad at myself for caring about that stigma, because if he did think less of me for my number, then obviously he’s not the right guy for me.  But then, I was also so worried he was going to think I was a slut.
“All that number tells me,” my boyfriend responded at the time, “is that you like sex, and you have a lot of experience, so you’re probably pretty good at it.”
There are a lot of good men out there.  This is how a good man would respond.


            As you can tell by the last rule, I did eventually admit to myself I wanted the comfort of a stable, monogamous relationship (which is NOT FOR EVERYONE, but it did happen to be right for me).  I went on some dates with a few guys – some good, some not so good – and I’m now in an amazing relationship with one of the best people I’ve ever met.  The first step to getting here was learning to respect my own desires at least as much as my sexual partner’s.  The second was being honest with myself about what I wanted.  I can be a kick-ass feminist who knows how to have a good time without constantly wanting to fuck everything that moves and demand high-fives for it. 

            Mostly I want to tell young women out there that you can stay virgins, have a lot of sex, or do something in between, and it doesn’t change anything about you or who you are as a person.  You’re still just as good at your job, you’re still just as close with your family and friends, and you’re still just as interesting or as boring as you always were.  Just know yourself, know what you’re comfortable with, and know that if your partner doesn’t respect that, you’re allowed to walk out.  You deserve to be happy and comfortable throughout sex, and if your sexual partner doesn’t know that, he’s an asshole.


            So happy sex-having!  Or not sex-having!  Up to you!

Friday, September 4, 2015

How to: Buy a Car

(Republished from its original source at TWIGG How-To.)


SO YOU’VE DECIDED IT’S TIME FOR A NEW CAR.
Maybe your car is old, and those maintenances are starting to add up.  Or you’re tired of that stain on the passenger seat.  You’re older now, more adult, and want a more established vehicle than the one you were driving in high school.  It’s your birthday.  The gas is too expensive.   You want something sportier.  It doesn’t matter why – the point is, it’s time.
Then what’s the problem?  Dealerships.  Salespeople.  Negotiating.  How do you make sure you get the best deal?
As someone who has been selling cars for about two and a half years, I see people of all ages and backgrounds struggle with the easiest way to get a good deal.  A lot of them assume they’re going to get lied to, and they end up making the process a lot harder than it needs to be.  Others don’t do any shopping at all and pay a lot more than they should.  So let me help you make the best deal with the least amount of effort!

 1. WHAT KIND OF CAR DO YOU WANT?
This is pretty easy.  What are you looking for in a car?  Is gas an important consideration, or would you rather have horsepower?  Do you need a lot of room or do you want something smaller?  How reliable are the cars you’re looking at?  How comfortable?  How fun?  Compare which car has the most of what you’re looking for using sites such as Edmund’s and Car & Driver.  Figure out what kind of car you want and start from there.
As an ongoing example, I’m going to use the time when I helped my mom get her car.  She likes sedans and drives 30,000 miles per year.  She wanted a car that was reliable with good gas mileage.  She decided on the Toyota Camry Hybrid.

 2. CHECK YOUR CREDIT.
If you’re a first time buyer, your credit will be light.  That doesn’t mean it’s bad.  You can have a 730 credit score with two pieces of credit.  It’s just important to be aware of what your credit is and what it means.
This home credit score might also be different than your auto credit score.  I don’t know how credit bureaus work (all I know is pay your bills on time and don’t live beyond your means = good credit) but the fact that no one has an exact formula on how to get a perfect score versus merely a very good score is pretty bunk.  Down with the patriarchy, I say.  But on a practical level, it’s just something to factor in when checking your credit score at home versus checking it at the dealership.  Check your score at home to have an idea, of course, but don’t be surprised if the number for your auto score is a little different – especially if you’ve never bought or leased a car before.
If necessary, get a cosigner.  I know it might suck, but if your credit isn’t great you could end up paying thousands of more dollars per year than if you had just gotten that cosigner.

 3. LEASING OR BUYING?
More and more people are leasing now than ever before.  I would say 80% of my sales are leases.  Leasing is a fun way to change out your car every few years while making smaller monthly payments.  I myself am currently leasing.  On the flip side, I also drive less than 10,000 miles per year, and my credit score is decent.  If you drive over 15,000 miles per year, or if you don’t want to deal with getting a new car every two or three years, or if you want to own the thing you’re driving instead of borrowing it, then buying is a good way to go as well.
Since my mom drives 30,000 miles per year as I mentioned, she bought her car.

4. NEW OR PRE-OWNED?
If you can afford it, I would steer towards new.  Most pre-owned cars I sell are fine, but literally 100% of new cars I sell are perfect.  (I also work at Lexus, so I would hope the new cars are perfect.)  Plus, your warranty is going to be the best it could be, nobody’s driven your car yet, and that smell is fantastic.  If you’re leasing, definitely go new – pre-owned leases don’t tend to make sense financially.  This is because the residual is lower.  The residual is the amount you owe at the end of the lease if you want to buy it out, which is a set percentage based on the miles, time leased, and the original selling price (Manufacturer’s Suggested Retail Price, or MSRP, for new cars; on a pre-owned car this number is based on a weird calculation of wholesale and other factors that honestly I don’t 100% understand).  If the residual is lower, that means you’re paying for a greater percentage of the car, which means your monthly payments go up.
However, buying a new car can be expensive.  If you can afford it, great!  If not, and you decide you want to buy a pre-owned, make sure you have the Carfax.  The Carfax will give you the auto history of the car so you know if it’s been in an accident or had any serious damage.  
Also, buying a certified car from a dealership means they did a full inspection on a car and it comes with a warranty backed by the manufacturer.  If you buy pre-owned, I would recommend certified.
Only the same make can certify a car.  For example, Toyotas can only certify Toyotas.  There is no such thing as a certified pre-owned Hyundai on a Toyota pre-owned lot.

 5. TEST DRIVE.
You’ve narrowed down your list to a few types of cars you like.  Now it’s time to make sure you like the way they drive.  Set an appointment with the dealership.  If you have a friend or a referral at a particular dealership, set up your appointment with that person (hey, that’s me!).  It is so much easier to do this with someone you trust.
Ask the salesperson about the different features available. Sometimes you can build the car online in a way that has absolutely nothing to do with the way the car shows up on the lot.  Figure out what features are most important to you and which ones aren’t.  Sometimes the features come bundled – you have to get navigation if you want blind spot monitor, for example.  That’s annoying.  It’s also just how it is.
My mom set up the test drive without me to make sure she liked the car.  (She did.)  She doesn’t like test driving, but my dad and I made her do it.
   
6. SHOPPING.
MSRP, as mentioned above, is Manufacturer’s Suggested Retail Price.  It is the price they put on the car before you start negotiating.  Once you negotiate, you agree on the selling price.  On a lease, that price is call the “capitalized cost,” or “cap cost” for short.  “Out the door” is a term for purchase only (the term makes no sense on a lease), and it means the final, total, tax-title-license-and-fees-included amount for the car (the amount you’d write a check for if you weren’t financing).  Finally, keep in mind that tax is based on where you live, not where the dealership is located.
These are basic terms.  There are a lot more terms to know, but I wouldn’t say they’re necessary to getting a good deal.
You’ve test driven the cars and you’ve narrowed it down to one or two, but now it’s time to price it out.  Leasing is confusing because the rate isn’t APR, it’s something called a money factor.   For example, if you have good credit, you might get a money factor of 0.0009.  What does that mean?  You have to multiply that number by 2400 to get the rate to a percentage number that makes sense.  
For leasing, then, you have to shop to get the best payment.  It matters a little bit what the selling price is (your payment is based off that number), but if the dealership jacks up the money factor, or your credit isn’t very good, your payment will go up anyway.  Put in an inquiry online after knowing what you want and ask for the best deal.  Once you put out the inquiry, give yourself about a week or two for the timeline.  Incentives change on leases every month.  The pricing a salesperson gives you on June 30 may literally not be available July 1 because the rebates and special money factor rates from the bank have changed.
While shopping, please keep in mind the salesperson/best friend/referral who test drove you at whatever dealership (hey, that’s me again!).  Salespeople are only paid on commission.  If you like the guy or girl who explained the car to you and let you take it for a spin and spent that time with you, but you still want to shop around to make sure you’re getting a great deal, it’s only fair to give them final shot at your deal.  (If she can’t beat it, at least you did right by her by giving her that last shot.)
If buying, get financing on your own, either through a credit union or a bank.  If the dealership can match the rate, that’s great!  If they can’t, you at least have a back-up and you’re not stuck with a higher rate than necessary.
Also, go on Truecar or Edmund’s and price out the typical savings on your car.  Keep in mind what the price of the car listed on Edmund’s is versus the price of the car you’ve chosen.  For example, if Truecar thinks you can get a selling price of $22,000 on a Toyota Corolla that has an MSRP of $24,000, and you ask for $22,000 on a Corolla that has an MSRP of $26,000, you won’t get it.  This is not the dealership’s fault.  They can probably give you the same discount ($2,000), but they can’t match the selling price.  I bring this very obvious fact up because it is surprisingly not obvious to a lot of customers who insist on viewing me as a slimeball.  Please don’t do this!  Use common sense!
Additionally, AAA and Costco have really great programs you can check out as well.  These programs insist the dealership give the customer the invoice of the car in question.  Even if you don’t go through AAA or Costco, always ask for the invoice.
Finally, there are often rebates for active military members or recent college graduates on some models.  Always ask about those rebates.  It costs the dealership nothing and can save you a good amount of money!
When helping my mom get her car, I made sure to get the invoice.  I asked a coworker who had a referral to get me the car.  My mom was particular on color, and it was a very rare color, but because I had an in with my referral they were able to get it for me.  I checked Truecar to make sure the discount looked right, and it did (had to account for the truecar MSRP being less than the MSRP of my mom’s car, but the discount itself was the same!).  My mom got financing through her credit union.  We were able to set everything up via phone, email, and text because I had the invoice pricing, the proper research done ahead of time, and a good reference.

 7. GET RID OF YOUR OLD CAR.
If your current car is on a lease, just return it to the old dealership.  Make an appointment (you’ll be in and out faster if you do).  If you’re switching makes, you will get charged a disposition fee.  This fee will be on your contract.  This is what I like to call a “because we can” fee, and there’s not much you can do about it.  If the make (car talk for “brand”) is the same, the disposition fee is waived, because the car manufacturer wants to incentivize you to return.  You may also get charged for excess wear and tear, which consists of any major scratches, dents, or dings to the car you might have incurred during the lease, unless you bought that waiver program the last time around.
If your current car is something you own, do not take it to a dealership first.  All too often I see customers pass up on amazing deals for their new car because they didn’t like the numbers the dealership gave them on their old car. These are two separate transactions.  It makes the most sense for you to keep it that way.
Go to Kelly Blue Book to get an estimate (and be honest with yourself on the quality of your current car).  Go to your local Carmax, a nationwide used car dealership, and sell it to them.  Sell it on craigslist.  Donate it.  Dealerships have to put money into your car to sell it on the lot, and then they have to make money on your trade in.  They are a business.  So they will give you a number that still allows them to spruce up the car, maybe even certify it, and then sell it for profit.  That is the biggest reason the number they give you is typically not the number you had in mind.  Your old car deserves better than that number.
If you want to sell it to the dealership for convenience’s sake, at least go to Carmax first to see if they can match that number.  Sometimes they can’t.  Sometimes they can.  Then it’s up to you.  What’s more worth it – a little more money, or the convenience?
If your car has a payoff worth more than the car itself (for example, you owe $12,000, but the car is only worth $9,000), you might have to come out of pocket to get rid of your old car, or that negative equity might just be rolled into your payments.  If you own it outright, bring the title with you to the dealership.
My mama just gave her old car to my brother when she got the new one.

8. GOING TO THE DEALERSHIP.
Okay, you know what car you want.  You know what features you want.  You know what color you want.  The salesperson you’re working with got the car for you (maybe they traded for it, or maybe it was already in stock).
Make sure you have everything in writing before you go.  Selling price, rate, out the door number.  If it’s a lease, confirm that the amount they’re asking for includes everything (for example, it’s $1000 down, not $1000 down plus drive-offs, which ends up being at least twice as much as you expected; or the monthly payment is $350 including tax, not $350 plus tax).  Confirm the features.  Get it in writing.
You’ll need your driver’s license and current proof of auto insurance to be able to drive the car off the lot.  If your credit is light or there are some issues, they may ask you for some more information (proof of income, proof of residence, more references, etc).  Have that with you too – if necessary.
By the time my mom and I made an appointment to pick up our car, we were in and out of the dealership in 45 minutes.  Everything was as promised.  No need to make this harder on yourself than it has to be!

  9. FINANCE DEPARTMENT.
Now it’s time to sign the contract in the finance manager’s office.  This room can be intimidating.  The one thing to keep in mind is that every single item they are offering you is optional.  You do not have to purchase any of these extra warranties.
However, some of these items can be helpful, and it’s worth listening to the options to see if any of them interest you (but again, per federal law, you do not have to buy anything to take delivery of your car, no matter what your credit score is).   
What you should buy in this department depends on what you like and what you plan on doing with the car.  If you’re buying the car and keeping it for 10 years, an extended warranty isn’t a bad idea.  On a lease, I absolutely 100% recommend the excess wear and tear which waives any charges at the end of the lease due to damages and then you don’t have to worry about anything when you turn it in.
Some of those items you have to buy right then and there.  Tire and wheel, for example, or the aforementioned excess wear cannot be purchased after sale.  You can buy the extended warranty at any time, so I would recommend shopping online for pricing before purchasing an extended warranty.  You will probably be overcharged in the finance department for extended warranty.  The upshot is that you can spread the amount into your car payments instead of paying it all at once.
See how easy that was?  Don’t you just want to do it over and over again?  Now you can walk confidently into a dealership, knowing you’re about to get a killer deal on any car you want.  You go, girl!