[jlb27537]

I would not too worked up on trade value. Decide in your mind what your trade is worth. No hassling with C list folks, the cost to list it on the internet, the PITA in general of dealing with tire kickers that can not buy a wheel barrow.

OK, we have a value in mind now.

Now, if this was a cash sale from the dealer, what would you be willing to pay? Subtract your value from the cash sale price. What is the difference?

If this difference is what the dealer is quoting, go for it.

It does not matter what the trade is, it does not matter what the new sales price is. It is the difference that is important.

The dealer has to make a profit, or else he would not be a dealer. However we do not want to make his monthly profit off our sale.

If you go the NADA value route, take low retail with no add's value, subtract 20% off that and that is current retail. Trade is back of that.