sure, but what is "market value"? i am selling houses (that i own) in arizona (which people are saying is a down market) for what EVERYONE is telling me is over "market value".....heck im ever renting for more than "the experts" say i should be....I just rented one home 3 months ago...like 5 RE agents..experts in the area told me $3-$3.5K per month, and to be happy about it. I had the same discussion we are having here with them....they gave me the same "market value" crap...down economy, etc etc etc. I told them to pound sand, listed it for $5K per month, rented it in 6 days and had 2 back ups.....

if your truck is worth 35K too you...i bet, somewhere there is someone who feels the same way as you...

I sold my last car for about 30% MORE that "market value" and had multiple people trying to buy it....

and why the hell would ANYONE sell for less than your magic "market value". if thats what its worth, thats what its worth......everyone seems like they are always trying to "get the deal" untill THEY need to sell something, they they are on some forum somewhere posting about how they are losing thier a$$ based on a mystical "market value"........