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Auto Loan Delinquencies Hit Record High
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Auto Loan Delinquencies Hit Record High

Auto Loan Delinquencies Hit Record High
Photo Credit: perkmeup/Getty Images/iStockphoto
Never catching up with the bills... 90 delinquent

Auto Loan Delinquencies Hit Record High

A record 7 million Americans are 90 days or more behind on their auto loan payments, according to The Federal Reserve Bank’s latest quarterly report on U.S. household debt. Approximately 6.5% of all auto finance loans are 90-plus days past due.

WSB consumer expert, Clark Howard says, "the number of people delinquent on their loans is two and a half times what it was ten years ago." He says much of that has to do with people taking out ultra-long loans in order to afford the vehicle. "If you can't afford the payment on a 42-month loan then you can't afford the vehicle you're looking at," says Howard. 

He recommends using a credit union to finance your car. Less than 1% of auto loans issued by credit unions are 90 days or more late, compared with 6.5% of loans issued by auto finance companies.

"This is brutal how many people are getting crushed by having the long, long, long loans", says Howard.

The first step is to pre-qualify for a loan, so you’ll know how much money the lender will give you and what your monthly payments will look like. Then you can figure out what your budget will allow you to afford. 

A recent study found that one in five car buyers regret their decision within minutes — not days, weeks, months — but minutes. And once you drive that thing off the lot, there’s no more oops or never mind.
More information can be found here:  https://clark.com/cars/guide-on-how-to-buy-a-car-biggest-mistake-to-avoid/

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News

  • A Nebraska teenager paid tribute to her late father through her high school senior pictures. >> Read more trending news  Julia Yllescas, a senior at Aurora High School, wanted her father to be a part of her senior pictures. Her father, Capt. Robert Yllescas, died Dec. 1, 2008, in Bethesda, Maryland, from injuries he received from an improvised explosive device while serving in Afghanistan. Yllescas had her senior pictures taken Saturday and sent them to photographer Susanne Beckmann to see if she could create an 'angel picture,' KOLN reported. Julie Yllescas loved the first two photographs that Beckmann worked on, They show her sitting and standing next to a faint shadow of her father in uniform, the radio station reported. 'Why it has hit my heart so hard is that I almost felt when I saw those pictures that he truly was there,” Yllescas told KOLN. 'And to have a piece of him with me throughout my senior year. Because sometimes it feels like where are you, why did you have to go.' Beckmann, whose husband has served in the Nebraska National Guard for 16 years, was only too happy to create the images. 'I was teary-eyed when I was editing them,' Beckmann told KOLN. 'All I could think in my head is I don't ever want to have to do this for my own kids.' Beckmann, who has run Snapshots by Suz for eight years, said she has known the Yllescas family since Julia was 9.  'I thought it would be a great idea to do these angel pictures for her as a special gift for her big milestone and to her family,' Beckmann told Cox Media Group by telephone Tuesday morning. 'I am an active duty National Guard wife, which is what inspired the idea and the vision. 'I take a lot of pictures of military families and it is always an honor for me to capture their special memories.' The photographs that include her father are a comfort for Yllescas 'Just to have that on my wall and be like, 'No, he is with me,' even though I can't physically see him,” she told KOLN.
  • A Texas elementary school teacher has a gift for her students.  Richelle Terry is promising no homework for her second- and third-grade math students for the entire school year, KBMT reported.  Terry is a teacher at Evadale Elementary. She had taught pre-K, but this is the first time she's taught the higher grade. >> Read more trending news  Instead of pouring over their math problems for hours at the dining room table, she wants her students to spend time with family and to enjoy their childhood.  'You see them, and they're like, 'I hate school. I don't like school. I don't like learning. That class is boring.' It's because they take the fun out of it. Everything is serious ... and it doesn't have to be that way,' Terry told KBMT. Terry said there should be enough time in class to finish assignments and the school has added a tutorial period for kids need extra help, according to KBMT. Terry said she will take a look at how her students are handling the no-homework rule throughout the semester. The school district allows its teachers to be flexible as long as students meet requirements, KBMT reported.
  • It will forever be called the 'great mattress migration of 2019' when the wind picked up and relocated dozens of air mattresses that were blown up for a movie-in-bed under the stars event in Colorado. >> Read more trending news  People in Stapleton, a neighborhood in Denver, couldn't believe their eyes when they saw the mattresses flying through the air and being followed by people who were trying to catch them, The Denver Post reported. Some of the mattresses that weren't caught became impromptu pool floats after they flew over a fence and landed in a pool area, KDVR reported. One man was able to record some of the craziness, uploading it to social media. Robb Manes said when he glanced over to the event's organizer she told him, 'This is a disaster,' he told the Denver Post. Manes and others spent about 30 minutes trying to catch the beds, he told the newspaper. 
  • A North Carolina man is accused of strangling his 15-year-old daughter before slitting her throat during a weekend visit at his home, sheriff’s deputies said. Joshua Lee Burgess, 32, of Monroe, is charged with first-degree murder in the death of Zaria Joshalyn Burgess. Zaria was visiting her father when she was slain. Union County Sheriff’s Office officials said in a news release that Burgess walked into the agency’s lobby just before 9:30 a.m. Sunday and told a dispatcher he was there to turn himself in. The dispatcher began searching for warrants in Burgess’ name. “He stopped her. He said, ‘You’re not going to find my name. I just killed someone,’” Tony Underwood, chief communications officer for the Union County Sheriff’s Office, told WSOC in Charlotte. “At that point, the red flags started to go off.” After Burgess gave details of the killing and told them where to find Zaria’s body, deputies went to Burgess’ home at 5102 Hampton Meadows Road, near Wesley Chapel. Inside, they found the slain teen, authorities said. A reporter with WSOC was in the courtroom Monday for Burgess’ first court appearance, where authorities offered gruesome details of the girl’s death, including how her father reportedly killed her. Reporter Tina Terry said there was a “collective gasp” when the details were revealed, according to the news station. “It’s just pure evil,” Underwood said. No motive for the slaying was given. Burgess' Facebook page is filled with photos of his daughter, who he called his “mini-me.” “I love this little angel more than anything. Nothing beats quality time with my daughter,” he wrote on a post from 2015. >> Read more trending news  Zaria’s cousin, Dytaysha Wadsworth, told WSOC the victim was a sweet girl who loved her family. She was about to start her freshman year at Monroe High School. “She was just the type of kid that would come in a room or come in a house and say, ‘Hey everybody’ -- just wanting to make everybody smile,” Wadsworth said. “She was so young, and nobody deserves to leave this world like that, especially by someone they thought was gonna protect them and be there for them.” Burgess is being held without bond in the Union County Jail.
  • The Coast Guard is searching for two boaters who didn't return from a fishing trip Friday evening off the coast of Port Canaveral, Florida. >> Read more trending news  Brian McCluney and Justin Walker were last seen leaving the 300 Christopher Columbus boat ramp Friday in a 24-foot center console boat heading toward 8A Reef. McCluney is a firefighter with the Jacksonville Fire and Rescue Department and Wilcox is a master technician with the Fairfax County, Virginia, Fire and Rescue Department. Update 10:50 a.m. EDT Aug. 20: The wife of one of the boaters missing since Friday morning took her search efforts into the air Tuesday, WFTV reported. Natasha Walker caught a private flight from the Titusville airport to help comb the Florida coastline as the search continues for her husband, Justin Walker, and his friend, Brian McCluney. 'They know that we want them to keep fighting,' Natasha Walker told WFTV before boarding the plane. The U.S. Coast Guard said Monday afternoon that⁩ a volunteer found a tackle bag belonging to Brian McCluney about 50 miles off the coast of St. Augustine. 'This is still absolutely a rescue mission,' Jacksonville fire Chief Keith Powers said Monday at a news conference. 'We're talking about a decorated combat vet here. We're talking about a firefighter paramedic. These guys have the skills ... to survive for a long time.' Kevin McCluney, the brother of Brian McCluney, told WFTV that if any people were resourceful enough to survive, it would be these two men. 'Between the two of them, I know they've got it locked down,' Kevin McCluney said. 'It's just a matter of time.' Brian McCluney's wife, Stephanie McCluney, told WFTV he underwent survival training during his time in the U.S. Navy and that Justin Walker is one of the most resourceful men she knows. 'If I were ever stranded anywhere, those were the two men I'd want to be stuck with,' she said. Coast Guard officials continued to search for the McCluney and Walker on Tuesday. Update 6:44 a.m. EDT Aug. 20: The search for two missing firefighters will continue Tuesday morning, authorities said. The Jacksonville Fire and Rescue Department is calling on anyone who would like to help with the search and has the following items: A boat that can work in the range of 30-60 miles Binoculars A SAT phone (which is short for a satellite telephone. It’s a type of phone that connects to other phones by radio, orbiting through satellites.) Update 3:10 p.m. EDT Aug. 19: McCluney's wife said in a post on Facebook that her husband's tackle bag was found 50 miles off the shore of St. Augustine, WJAX-TV reported. The search for McCluney and his friend, Wilcox, continued Monday. Update 1:25 p.m. EDT Aug. 19: Officials with the Jacksonville Fire and Rescue Department said over 135 people assisted Monday with the search for McCluney and Walker. There were 36 boats searching from Brunswick, Georgia, to St. Augustine, Florida, on Monday, officials said. Searching for the missing boaters will continue until dark, JFRD officials said. Agency officials stressed Monday that the search was still a rescue mission. The missing men were raised on the water, according to JFRD. 'We're talking about a decorated combat vet here. We're talking about a firefighter paramedic. These guys have the skills,' a JFRD official said Monday at a news conference. 'These guys have the skills to survive for a long time.' Update 9:25 a.m. EDT Aug. 19: Authorities and volunteers continued to search Monday for McCluney and Walker. Coast Guard officials said Monday that crews have searched an estimated 24,000 miles since Friday. Authorities said they continued to search Monday from Port Canaveral up to Jacksonville. Officials with the Jacksonville Fire and Rescue Department urged people in the area to contact authorities 'if you see something ... any debris, anything.' McCluney is a Jacksonville firefighter and Wilcox is a master technician with the Fairfax County, Virginia, Fire and Rescue Department. Update 3:10 p.m. EDT Aug. 18: Multiple agencies have joined the search, On Sunday afternoon, the Coast Guard said crews are investigating reports of a debris field 50 miles east of St. Augustine, Florida, WJAX reported. However, they have confirmed it's not related to the missing boaters. Earlier Sunday, Stephanie Young McCluney, the wife of one of the missing men, thanked the efforts of the Jacksonville Fire and Rescue Department in a Facebook post. According to a tweet from the agency, 50 firefighters were assisting the Coast Guard with the search. The Jacksonville Association of Fire Fighters has also set up a link for those wanting to help with search efforts.  'The donations will support the search efforts and ultimately the families of the firefighters,' according to the Jacksonville Firefighter Charities donation page. 'Thank you so much for your support and prayers!' Original report: In a Facebook post Saturday, McCluney's wife said the Coast Guard has suspended the air search until Sunday morning but will continue to search by boat and radar overnight. According to Stephanie McCluney's post, the search area will move north as the Coast Guard continues to survey the coast off Volusia County throughout the night. According to the Jacksonville Association of Firefighters, McCluney is a Jacksonville Fire and Rescue Department firefighter from Station 31 near Oak Hill Park. The Fairfax County Fire and Rescue Department said in a Facebook post that Walker is a master technician at the Virginia fire department near Washington, D.C. The Coast Guard had deployed a search plane and several boats to look for the overdue boaters. The Navy and Brevard County Sheriff's Office are assisting with the search. Anyone with information is asked to contact the Coast Guard Sector Jacksonville Command Center at 904-714-7558. The Cox Media Group National Content Desk contributed to this report.
  • Golden State Warriors player Stephen Curry is establishing Howard University's first NCAA Division 1 golf program. According to a Monday news release from the university, Curry pledged to support the program for the next six years. Curry was led to establish the program after meeting Otis Ferguson IV, a golfer and senior at Howard, in January. Forbes reported that Curry was on campus hosting a viewing 'Emmanuel,' a documentary he produced on the 2015 Charleston church shooting in which nine African Americans were murdered. >> Read more trending news  'Utilizing his unique position, Curry will introduce and increase access to elite golf at a historically black college, furthermore calling on sport and community giants like Under Armour, Callaway, (he and wife Ayesha Curry's foundation) Eat. Learn. Play., among others, for help with equipment, uniforms, and more,' the news release said. Howard plans to debut the first women's and men's golf teams in the 2020-2021 academic year. 'Golf is a sport that has changed my life in ways that are less tangible, but just as impactful,' Curry said in a statement. 'It's a discipline that challenges your mental wherewithal from patience to focus, and is impossible to truly master, so when you hear about these passionate student athletes who have the talent but don’t have a fair shot at the game, it’s tough. I feel really honored to play a small role in the rich history of Howard University, and look forward to building their first men’s and women’s golf teams with them.' ESPN reported that Howard previously competed in Division II golf. University officials think the teams were disbanded in the 1970s. Curry was joined by Howard University President Dr. Wayne A. I. Frederick, Ferguson, the university's athletic director, Kery Davis, and Calloway CEO Oliver 'Chip' Brewer for a tee-off Monday in Washington, D.C. School officials will start searching for coaches, playe