I try to make really major purchases as close to me as possible for a variety of reasons which have been discussed by a variety of people ad nauseam but which mostly boil down in the end to being able to walk into a store and shake my fist at someone if I am dissatisfied.
Do you make a point to avoid buying multi-hundred-dollar products that are sold only online? For example, would you avoid buying a Pandora, Archos 43, Nokia N810/N900, or other pocket computer solely because it isn't sold in any brick-and-mortar store near you?
what's stopping you from collecting money via Paypal
For one thing, others in my family prefer to pay me with payment methods other than PayPal, as does my employer.
Nothing because I applied for a PayPal debit card accepted where major credit cards are accepted.
Does he really use the word "beater"?
I'm not familiar enough with Dave Ramsey's show to know what terminology he uses, but it's evident from Google dave ramsey beater that fans of his Total Money Makeover program do use the term "beater".
Yes, you need some guidance [...] Usually the difference is obvious to any vaguely trained eye but you can't blame people for not knowing about cars any more than you can blame them for not knowing about anything else, where do you draw the line?
I agree with you that first time car buyers especially need guidance.
One's parents are supposed to help them out
And sometimes they aren't willing to. Say someone went to school for a career in a given field, but his parents are intent on making sure that his job is in their home state, and there are no good jobs in this field in his parents' home state. This is the scenario that I've been trying to reason through with Slashdot user CronoCloud over the past several months.