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SOMETHING BETWEEN
SANITY AND VANITY
The least expensive car is bought with cash.
AN INFORMED CONSUMER IS BEST SEVERED BY KNOWING THEIR NEEDS AND THEIR BUDGET.
THE FIRST QUESTION TO ASK "NEW OR USED" ?
THE BUDGET MAY OR MAY NOT BE THE DETERMINING FACTOR.
HOW YOU WILL USE THE CAR, THE NUMBER OF MILES PER YEAR, WILL THIS BE A CAR TO COMMUTE LONG DISTANCES?
A FAMILY CAR, THE NORMAL NUMBER OF OCCUPANTS.
THERE ARE AS MANY ANSWERS AS THERE ARE CONSUMERS.
WHAT IS IMPORTANT THAT YOU MAKE AN INFORMED DECISION BASED UPON THE BEST AVAILABLE INFORMATION, BOTH IN QUALITY AND PRICE. HOW TO BUY THE CHEAP CAR, "GO TO THE JUNK YARD".
WHAT YOU CAN CONSIDER IS INFORMATION BASED ON OTHER CONSUMERS BUYING HABITS. HONDA ACCORD IS A BIG SELLER WITH A GREAT REPUTATION. YET THE FACT IS THAT CAR WILL NOT SATISFY MORE THAN THE NEEDS OF A FRACTION OF THE CONSUMER NEEDS.
EVERYONE CAN'T BUY A VW BUG AND DRIVE IT FOR LIFE. THOUGH SOME HAVE !
FINDING YOUR PLACE IN THE AUTOMOTIVE WORLD MAYBE AS CLOSE AS YOUR NEAREST DEALERSHIP, AND THERE ARE PLENTY TO GO AROUND. THE COMPETITION IS FIERCE.
THE FACTORIES OFFER INCENTIVES AND REBATE'S TO GET YOUR BUSINESS. YOU CAN BELIEVE THAT THE HOTTEST MODELS MAY NOT BE THE ONES THAT HAVE REBATES.
THE DEALERS OFFER PRICE'S AS NEGOTIATED FOR THE HAGGLER TYPE AND THE ONE PRICE STORES FOR THOSE THAT JUST LIKE TO HEAR THE LOWEST PRICE TO START WITH, OR IS IT THE LOWEST YOU CAN GET THAT CAR?
THERE IS A LITTLE EGO INVOLVED THIS MAY NOT BE A RATIONAL DECISION THAT YOU ARE MAKING, ARE YOU BUYING ON IMPULSE?
ALL OF THESE AND MANY MORE ARE PART OF THE BUYING PROCESS. THE FACTORIES SPEND MILLIONS OF DOLLARS EVERY YEAR JUST TRYING TO FIND OUT JUST WHAT IT IS YOUR THINKING. HOW TO MOVE AND MOTIVATE YOU TO BUY THEIR CAR.
YOUR LOCAL DEALER WANTS YOUR BUSINESS YOU SEE BALLOONS OUT ON SATURDAY, AND SOMETIMES HOT DOGS AND COKES FOR THE KIDDIES.
THE DEALER WILL HAVE SALES AND PROMOTIONS TO ENCOURAGE YOU TO VISIT THEIR SHOWROOMS, WITH ALL THE GIMMICKS IN THE BOOK AND THEN SOME.
IF YOUR ARE WELL INFORMED, AND KNOW WHAT YOU WANT, AND WHAT YOU WANT TO PAY, THAT SALE THAT IS BEING ADVERTISED MAYBE YOUR CHANCE TO BUY THE CAR AT A LOWER PRICE. THE FACTORY MAY HAVE INCENTIVES THAT YOU MAY NOT BE AWARE OF, ALSO THE SALES AND MANAGEMENT STAFF MAYBE ON A VOLUME, OR CERTAIN MODEL BONUS. THAT WILL ALLOW THEM TO SELL YOU A CAR AT A DEEP DISCOUNT AND STILL MAKE MONEY. IF THERE IS A TRADE, THE DEALER SIMPLY ADS TO THE VALUE OF THE TRADE.
ALSO YOU MAY FIND YOUR TRADE WORTH MORE. THE DEALERSHIP IS NOT DEALING IN APPLES AND ORANGES, BUT THAT INVENTORY MUST KEEP TURNING. DEALERS THAT GET RICH CAN ALSO DIE BECAUSE THEIR USED CAR MANAGER DOE'S NOT UNDERSTAND THIS PROCESS.
IF YOU ARE GOING TO TRADE IN A CAR OR TRUCK YOU MUST ESTABLISH THE ACV OF YOUR CAR, THAT IS THE ACTUAL CASH VALUE OF YOUR TRADE. THERE ARE SEVERAL SOLUTIONS. YOU CAN CALL YOUR BANKER, OR ANY BANKER AND THEY WILL QUOTE YOU THE VALUE FROM THE NADA BOOK. THIS WILL GIVE YOU THE RELATIVE VALUE BASED UPON THE BOOK, BUT BOOKS NEITHER BUY NOR DO THEY SELL CARS. YOU MUST BE REALISTIC ABOUT MILES, WEAR AND TEAR, WHOLESALE AND RETAIL.
YOU MAY CALL A DEALERSHIP THAT SELLS THE MAKE OF CAR YOU ARE TRADING, AND ASK FOR THE USED CAR MANAGER. SIMPLY TELL THEM YOU HAVE A CAR FOR SELL AND DESCRIBE YOUR CAR, AND ASK THEM HOW MUCH THEY WILL GIVE YOU. THIS MAY BE A DISTURBING CALL IF YOUR BANKER HAS QUOTED THE NADA AVERAGE TRADE VALUE. CARS GET HOT AND THEY GET COLD. THE MARKET IS ALWAYS CHANGING.
YOU MAY USE THIS INFORMATION TO ASSIST YOU IN MAKING AN INFORMED PURCHASE AND TRADE.
BUYING OR LEASING
"THE CHEAP WAY TO BUY A CAR IS WITH CASH".
TODAY BUYING OR LEASING CAN BE A HARD DECISION TO MAKE. THERE ARE SOME SIMPLE RULES TO ASSIST YOU. IF YOU ARE THE TYPE OF PERSON THAT BUYS A CAR AND KEEPS IT UNTIL THE WHEELS FALL OFF, LEASING IS NOT FOR YOU. WHEN YOU INTEND TO KEEP A CAR FOR MANY YEARS AFTER THE LOAN HAS BEEN PAID THEN YOU SHOULD NOT LEASE A CAR.
IF YOU LIKE DRIVING A NEW CAR EVERY TWO OR THREE YEARS, A LEASE CAN BE TO YOUR ADVANTAGE. THERE IS ONE THING TO KEEP IN MIND WHEN YOU SIGN THAT LEASE YOU TAKE ON THE RESPONSIBILITIES OF OWNERSHIP FOR THE LIFE OF THE CONTRACT, IF SOMEONE TELLS YOU THAT THE FACTORY OR LEASING COMPANY WILL BE SERVICING THE CAR GET IT IN WRITING, THAT IS A SALES PITCH BY A SALES PERSON PLANNING TO MOVE TO ANOTHER DEALERSHIP.
WHEN YOU LEASE A CAR LOOK AT THE TOTAL MONEY DUE AT THE TIME THE LEASE IS SIGNED THE TOTAL OF PAYMENTS, AND THE RESIDUAL ( MONEY DUE AT TERMINATION) ADD THEM UP AND COMPARE THAT WITH A BUY CONTRACT ON THE SAME CAR. IF SOMEONE TELLS YOU THE RESIDUAL MEANS NOTHING IF YOUR NOT GOING TO KEEP THE CAR, INFORM THEM THAT YOU NEED FULL DISCLOSURE TO MAKE A DECISION.
NOW COMPARE THAT WITH A PURCHASE THE DOWN PAYMENT AND THE TOTAL OF PAYMENTS ADD THEM ALL UP AND COMPARE.
NEVER LEASE A CAR IF YOU INTEND TO KEEP THE CAR ON A LONG TERM BASIS, YOU WILL LOOSE MONEY. REMEMBER YOU ARE NOT GOING TO SAVE MONEY ON MAINTENANCE OR SERVICE THAT IS YOUR RESPONSIBILITY LEASE OR BUY, UNLESS THERE IS A FACTORY INCENTIVE. ""GET IT IN WRITING""
THE SALES PERSON CAN BE YOUR BEST FRIEND, IF YOU LET THE SALES PERSON KNOW THE DETAILS OF THE DEAL YOU NEED TO MAKE. WHAT IS IT YOU WANT AND THE WAY YOU WANT TO BUY THE CAR, AND YOU ARE HONEST THE SALES PERSON MAY SEE YOU AS ANOTHER CAR SOLD AND NOT A WIND FALL PROFIT. IF YOU ARE THERE TO BEAT UP THE SALESPERSON, THEN YOU ARE GOING TO HAVE A BATTLE THAT WILL NOT BE FUN FOR ANYONE.
|Consumer Car Guide for price's |||| Better Business Bureau|
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