发信人: liliput (penny), 信区: Money
标 题: Re: I prefer to pay in full.Re: 请问买新车一次付完好还是
发信站: The unknown SPACE (Wed May 28 20:34:26 2003), 站内信件
Return and all the things you talked about are no the only thing.
You said yourself "when you have enough cash". Man, you tell me when i have
enough cash. Say a car is 30K that I want to buy, and say,I have 40K in bank,
although maybe at this time i still have solid annual income, god, who knows.
I am not that crazy to put 30K in case to buy a car.
For normal ppl, the more stupid thing ever is to pay in full. Don't think
all the americans are fool. They just do what ever makes sense.
You lost some money in the interest, you win/got the time, freedom.
【 在 ppt (little pony) 的大作中提到: 】
: As to build your credit history, I pay my CC (cash back CC) in full every
: In this way, my credit score is higher than 760. I just asked one of my friend
: is working in an investment bank in New York. He told me that I can get good
: mortgage if I pay the first 20% when I buy a home. Have little thing to do
: the way how you pay your car.
: When you have enough cash at hand:
: As to the investment (take advantage of the low or 0% APR), can you invest
: all you [$20000 (a car's price) - downpayment] at the same time? Is it
: flexible enough so that you can take out $300 every month to pay your car? As
: to CD
: and saving bonds, it is not flexible at all and the return is not that high.
: As to mutual fund and stock, you have risk to lose money or earn little money.
: I did
: the calculation, getting the $3000 back is equal to 8% ~ 9% return (without
: This return is solid, w/o risk. And we have more space to negotiate with car
: BTW, can you pay the car dealer using CC? Do they charge the same if you
: use cash or credit card? I am not sure, I think maybe they will charge you
: 2% more if you use CC.
: 【 在 qiaqia (郁郁芷兰) 的大作中提到: 】
: : nodnod.... it all depends on what you can do with your cash and what
: : return you can get.