. >>> planning on buy agnew car, listen to this. w report from the automotive experts at edmonds.com shows the average down payment on a new car is now $3,850, an increase of 6.5% over last year. part of the reason for the increase is the higher cost of cars. much of the increase is coming because car buyers want luxury vehicles and accessories and willing to pay more and it turns out, finance more, too. >>> when is a phone call a phone call? that's a question before the federal trade commission and sec, wants your input. they are looking at ringless voice mail, a sneaky new way to reach consumers advance technology allows consumers and businesses to leave you a voice mail without the ring tone. some businesses say they aren't really making a phone call so the do not call list can be ignore. consumers groups and privacy advocates say just because you didn't hear a ring doesn't mean a call wasn't made. if the fcc says it doesn't apply to ringless voice mails, get ready for a full voice mailbox. almost like a tree falls in a forest. >>