Car Financing: Which is Better: Buying or Leasing? Posted by nick_niesen on November 8th Braden Holtby Jersey Youth , 2010
Purchasing a new car is always an exciting time in life; however, it can also be confusing and time confusing, especially with so many different types of financing options available. Should you purchase your next vehicle outright or would it be better to lease it? Which option will be better financially for you? Read on for more tips to help you make the right decision for you and your finances the next time youin the market for a new car.
Its important to understand that there is not a clear cut answer to this question. It really depends on your needs and situation. When considering whether it would be better to buy or lease, it is important to understand all of the terms regarding the lease. Generally, the lease will be for a specified period of time and you will probably be limited to the amount of mileage that can be placed on the vehicle. In the event that you go over that specified mileage at the end of your lease period Christian Djoos Jersey Youth , you will be liable for paying the overage. Lease agreements also pay what is known as a finance charge at the end of the lease agreement. So, it is important to understand that while your lease payments may be less than payments would be if you bought the vehicle outright, you will still be responsible for a sum of money at the end.
In addition, it should be pointed out that you do not build up any equity in a vehicle when you lease it, only when your purchase it. On the other hand Brendan Leipsic Jersey Youth , when you purchase a vehicle and drive it for a long period of time, while you do build up equity, that amount declines the longer you own the vehicle. With leasing, you have the advantage of only having to pay for what you use while with the buying option you must pay for everything, regardless of whether you use it or not.
Leasing gives you the advantage of obtaining lower payments and the option of having a new vehicle every two or three years. This can be important to many people because it provides you with the benefit of having the latest safety features on your vehicle and the comfort of knowing you wont have any warranty problems. If you dont care about whether you build-up equity in the vehicle and feel you wont go over the mileage limits then leasing may be the right option for you.
On the other hand Lars Eller Jersey Youth , buying the vehicle outright; will mean higher monthly payments but the overall cost is about the same as leasing a vehicle, especially when all factors are taken into consideration, such as mileage overage payments and finance charges. Purchasing also gives you the benefit of actually owning the vehicle and if you opt to pay off the loan and keep the car, it can mean you won have a vehicle payment. You must also take into consideration; however, that when the warranty expires you will be responsible for the cost of repairs. This can be offset when you take into consideration that you dont have to worry about going over mileage limits as with leasing. Additionally Richard Panik Jersey Youth , there are no surprise costs at the end as there are with lease options. In the end you really need to give thought to your own situation, needs and desires.
Writing is a muscle that needs exercise to stay in shape.
I realized how true that saying is when I took what I called "a well-earned break" after I finished my first novel. The last few days of writing that novel felt as sweet as whipped cream--I was in a writing groove, humming along. I figured I''d take a little hiatus for a few days, then start my second book. No problem.
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Make a commitment to a certain amount of writing every day--a length of time or a number of words or pages to reach before you lift your butt off your chair. Each day when you''ve reached your goal, do something nice for yourself.
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Write away!
About The Author
Katey Coffing, Ph.D. is a novelist and book coach who helps women delight in writing (and finishing!) their books. Visit her at > To receive additional articles and tips for women writers, subscribe to Katey''s ezine Evgeny Kuznetsov Jersey Youth , The Write Calling, at > WANT TO USE THIS ARTICLE IN YOUR E-ZINE OR WEB SITE? Please do, as long as you include the above short bio and blurb with it. (A short note to Katey to let her know would be appreciated! Contact her at )
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