vehicle because I'm expecting? I just found out that I'm expecting my 2nd child and realized that a small two door vehicle is not enough to lug around an 8 year old and an infant. I just bought my car in December and according to Kelley Blue Book, the trade in value is $11K but I still owe $14K. I know the longer I wait, the trade in value will go down. Should I trade it in now or later? Also, I found out that my dealer gave me a bad interest rate (my fault because I didn't negotiate) and I know with my credit I should get better than 10.1%. I'm kind of a pushover and don't like to argue with people. What can I do to get the very best rate possible since they'll probably be tacking on an addition $3K to the loan?

Thanks!