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30.08.2015
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Quite often, people don’t really want to buy a new car but feel as though they have no choice because they think that it will be more expensive to buy the spare parts to have their old car repaired. Even if you do end up buying a new car however, it doesn’t have to be brand new, just new to you. Second hand cars are not only much cheaper than brand new cars but also represent much better value for money. Enquire about their previous dealings and don’t be afraid to pull out of negotiations if you’re not completely satisfied.
Another way to save money when buying a car is to buy a vehicle with a low capacity engine.
In addition to a low starting price, the running costs of low capacities cars are cheap as are the insurance costs. The problem is that cars are both expensive and awful investments — in fact, they’re not really investments. If you buy 10 cars during your life at an average cost of $25,000 each, you will lose $65,000 to $82,000 in first year depreciation alone. Although the car manufacturers won’t like it, I’m going to make a bold, but true, statement:  Unless you’re wealthy, never buy a new car. Being financially healthy means accumulating wealth and we accumulate wealth by saving and investing. Lets assume that we buy 10 new cars during our lifetime — one every five years between ages 20 and 70. When you buy a new car, you also become exposed to a hidden danger that most people never consider, but that can cost them a lot.
When most Americans buy new cars, they put down as little money as they can and finance the rest. If, a month or two later, you were in an accident and totaled the car, your insurance would only pay you $23,000, which would be the reasonable value of the car at that time. When cars are returned to banks or finance companies at the end of leases, the lenders don’t want the cars. Liquidators work with a number of banks and leasing companies and are paid a commission or a percentage of the sales price of the vehicles they sell.
My local liquidators’ showroom is filled with 150 to 200 cars so you always have a good selection from which to choose. Before you buy a car from a liquidator, get the Vehicle Identification Number (VIN) and check its history. When you buy from a liquidator, the portion remaining on the vehicle’s new car warranty comes with your purchase. The American Automobile Association (AAA) has a free program under which its members can get special prices on new and used cars. When an auto loan runs for more than four years, you probably will be paying too much for the car when you factor in all the interest and costs. Car salespeople will ask you what you can afford to pay each month because they can structure any loan to meet your needs. Make a down payment of at least 20% to maintain some equity and not owe more on the car than its worth. As I’ve stated, I feel strongly that people should never buy new cars because they cost them too much money.
Most banks will arrange a car loan for you, and frequently give you better terms than dealer financing on both new and used car purchases. Dealers may also pad the interest rates they quote you to increase their profits on car sales. When some dealers explain financing and terms to you, they will overwhelm you with a flurry of words and numbers. Although I believe in building equity in our homes and not taping into it for current needs, it may make sense to borrow on a home equity loan to buy a car. Everyone knows that car dealers have bags of tricks up their sleeves to maximize their pro?ts, but few know how to counter them.
The most important rule in buying a car is to be prepared BEFORE you walk into your friendly neighborhood car dealership.
Assume you will be financing a maximum 80% of the purchase price and find out the terms on 48-month loans.
Inquire into the cost of insurance for each vehicle you are considering since those costs can vary greatly.
Also consider depreciation; a car that may be less expensive than another car could depreciate at a faster rate, which would make it more expensive in the long run. Immediately after the sale, file any required papers with the state so if the car is then involved in an accident, you won’t be legally liable. Although dealers won’t offer you the full value for your car, the fact that you know your car’s actual value can help you negotiate a better price. Oldest trick in the book and one of the ?rst questions a salesperson will ask is how much you can afford to pay each month.


When you think that the sales person has offered you the best deal and you are ready to buy, let time work for you. The salesman will do everything possible to convince you to buy now (especially if it’s the end of the month), including saying that the deal is only good for that day. After you leave the showroom, some salespeople will phone you relentlessly to convince you to close the deal.
Take time to reflect on the deal, to make sure it’s the car you want and that you can afford it.
After you agree on a deal with the salesperson, he or she will escort you to the business manager’s office. True, some things are about enjoyment however its spot on about making smart buying choices. A 0.9% lease with a high residual is probably going to cost you less per mile than buying and holding an expensive to maintain car for many years. Factor in your expected resale value and cost to borrow, fuel and insurance costs, divided by how much you drive per year. Census Bureau provides data for the Federal, state and local governments as well as voting, redistricting, apportionment and congressional affairs. Because the parts are local this can cut down hugely on transportation costs so you should be able topurchase them quite reasonably. A major reason for this is because a second hand car has already experienced the heaviest point of depreciation that it will suffer in its lifetime; namely the moment that it is driven out of the showroom for the first time. This doesn’t mean that you need to take the seller out for dinner and get their entire life story, but you do need to know that they are trustworthy. It is important to do your research on a seller to help reduce the chance of you getting ripped off or being sold a dud car, which can be very costly in the long run.
Cars such as these are not necessarily flashy but they are certainly cheaper than the average vehicle on the road. Today, families tend to have more than one car and will buy a new one every four or five years. They are de-investments, which is my term for assets that are guaranteed to decline in value.
A new auto is more expensive than a used car as are the monthly payments, costs of insurance and registration. Since you owed slightly less than $27,000 on your loan, you would be out nearly $4,000 plus the initial $3,000 you put down and you would not have the car. If you have them checked out mechanically, you won’t have to worry about buying someone else’s problem and you can expect years of safe, dependable service.
Instead of paying $25,000, you may pay $17,000, which is 32% less that the original owner paid. They look new, have low mileage (most have between 10,000 and 30,000 miles), have been cleaned up and are certified as mechanically sound by the liquidator. For example, if you buy a car that has a 50,000 mile or five year warranty that has been driven only 29,500 miles in two years, the new-car warranty will protect you for 20,500 miles or three years, whichever comes first. Under the program, members tell AAA which cars they want and AAA refers them to dealers that are participating in the program. Don’t buy used cars from new car dealers because you’ll probably pay more than if you went through a liquidator.
Some owners know that dealers, new and used, will not give them fair prices so they try to sell their cars on their own. If you have the money, you can pay cash; however, most people need to finance their purchases. Auto loans are like mortgages; the bulk of your payment initially goes to pay interest and then gradually decreases over the term of the loan. Although longer-term loans have smaller monthly payments, bite the bullet so you can build more equity in your car more quickly.
You can end up with a long-term loan that has smaller monthly payments, but your total outlay will be far more in the long run.
However, I’m realistic and know that people will buy new cars for a variety of personal reasons. Even if you have the cash to buy the car outright, it makes good financial sense to take advantage of these dealer incentives because zero interest loan give you free money, which you can’t beat!
Often, they won’t tell you what interest rate will be charged, but will only give you the dollar amount of your monthly payment. The interest rate on a home equity loan may be lower than those for traditional auto loans and they may allow you to make more flexible or extended payments. Dealing with relentless, high-pressure salespeople is anything but fun plus it can be very expensive. So most people dread going to car dealerships because they hate feeling that they will be overwhelmed, overmatched and coerced into paying far more than they should. Two people can walk into the same car dealership, buy the identical car and pay different prices. Do some homework up front, plan your attack and give yourself enough time to make the best deal. Insurance costs are linked to car safety, which is information you should know and use as bargaining points with car salespersons. Factor in each car’s gas mileage, service program, warranty and repair costs when determining the car’s long-term cost. Then try to sell it privately because you usually can get a better price than if you trade it in. Since you’re there to buy a new car, focus on it and don’t let the salesperson divert you by starting negotiations on your trade in.
Forget about the sticker price or Manufacturer’s Suggested Retail Price (MSRP); it’s primarily for show. Even though you already determined that before you went to the dealer (see #2), don’t answer. Play it cool because when salespeople sense that you’re head over heels about a car, they move in for the kill and it becomes much tougher to negotiate a great deal. Tell him or her that if you buy the car, you will buy it from him or her, but you need a little time to digest all of the information you receive and think about it. Be certain that you understand your total costs and that you got the best ?nancing available.
As he or she completes the paperwork, he or she will try to squeeze more money out of you by attempting to sell you dealer add-ons such as rust-prevention undercoating, sealants, auto-theft-recovery systems, insurance and extended warranties. When they lease a car, they actually rent the right to use it for a period of time, such as 36 month, 48 months and so on. Since those who lease never own the car, they pay only for the portion of the car’s value during the lease period.
When you lease a car, the interest is rolled into the monthly payment making it tax deductible. It doesn’t matter if you buy or lease, both can be equally great, it depends on the details. I bought a 2006 Hyundai Elantra in 2009 with only 24k Miles for $10,000 and purchased a 2002 Mercury Grand Marquis in 2013 with only 88k Miles for only $5,500.


Had I bought brand new & financed for 6 years, I would have spent well over $48,000 and with Americans averaging 15k miles per year, these cars, bought new, should sit at right about 90k miles.
If you’re living in Rochester New York, for instance, and you need a new gasket head or other notoriously expensive spare part, type “auto parts Rochester NY” into an internet search engine for a list of local garages, one of which may have just the part you need for less than you might have been expecting.
On average, this point in the lifetime of a car reduces the value of the vehicle by around 20%. This is particularly important if buying from an independent dealership or individual, whose track record may not be as transparent as a large company. When you invest, you hope that the value of your investment will increase, but when you buy a car, you know that its value will steadily drop. The salesman congratulated you for making such a great deal and as you drive home, you feel like a million bucks. New cars immediately depreciate at an accelerated rate so if you have to sell soon after you bought it, you’re going to take a bath.
Had we invested that $6,500 and received an annual 5% return, at age 75 we would have accumulated $437,535, which isn’t chump change — if fact, it could be a nice retirement fund. So if you buy a car for $30,000, put down $3,000 and finance the rest, you would be obligated to pay $27,000 plus interest over the term of your loan. Today’s cars are built well and can be expected to run for at least 150,000 to 200,000 miles when they’re properly maintained. You also have to finance much less so your monthly payments, insurance and fees will be lower. Buying from a liquidator involves little or no haggling because the cars are so well priced to begin with.
Used cars are profit centers for new car dealers so they try to make a profit on every vehicle they sell.
Used car dealers derive all their income from selling used cars, they charge the highest prices and the condition of their cars may not be reliable. Many want to unload their cars because they have mechanical problems, which they won’t voluntarily disclose.
Unfortunately, many buyers don’t think much about financing decisions, which can be just as important deciding what car to buy and how much to pay. The auto clubs usually receive a small percentage of the loans they place so their rates can be higher than banks and direct lenders. Car dealers frequently get a cut of the loans they place so you can usually do better with a bank. Dealers will try to entice you to take long-term loans, for as much as seven years, to lower the amount of your monthly payments and help get you into the car. When you deal with car salespeople, you constantly feel manipulated and know deep down that you’ll probably end up on the wrong end of the stick. Understanding the car-buying process and preparing well can help level the playing field and ensure that you strike a better deal.
That payment will be based on the purchase price, down payment, interest rate and length of loan. New car dealers will try to give you as little as possible for your car because they plan to resell it and the less they pay, the more they make. If you go online, you can check dealers’ inventories, search the options available and find out how much cars costs. If you do, it will give the salesperson the upper hand because he or she can structure a loan to both fit within your figure and get his or her price for the car. The manager or salesperson may press you, but stand firm because they usually won’t risk losing the deal.
Since cars are now manufactured to run dependably for as much as 200,000 miles, you can own a car for a long time after you have stopped making payments.
The US population actually went into a negative savings rate a few years ago because of overspending. Since the main purpose of a car is to provide transportation, to get you from point A to point B, it may be time to rethink how you purchase cars.
If you decide to sell the car, you’ll get more of your money back because your car will have held more of its value. You can buy an extended warranty, finance your purchase through the liquidator or lease it or purchase it outright.
Many used car dealers run small operations and are legendary for their questionable sales practices. If you buy a car from its owner and then have trouble, it may be impossible to get recourse from the owner. So if you try to sell the car in the first few years, you may not be able to get rid of it without writing a check because you owe more on your loan than your car is worth (remember our friend depreciation). If the dealer claims that something you don’t want comes with the car, insist that the dealer to take it off. Always negotiate the sales price on the vehicle itself — never on the monthly payment amount! A Porsche, BMW or Ferrari can’t be driven any faster than a Honda Civic or Toyota Camry.
The money you lost could have been saved or invested in assets that usually appreciate over time.
Over the course of your car-buying life, buying late-model used cars can save you lots of money. Initially, leasing usually costs less, but after you make your payments and return the car, you have nothing to show for it; you have no equity. At any time, they could close shop and leave you with little recourse if the car turns out to be a lemon. Only buy a used car from a private owner after you have had it thoroughly inspected by a qualified mechanic. Find out the going rates and terms so you will know how much you can afford to spend for your car.
When you narrow down the vehicles you’re interested in, go to dealer for a test drive and negotiate a deal.
Don’t pay for delivery, handling, ?oor charges or any other unnecessary charges the dealer tries to bill you for. Since lenders are eager to sell, their liquidators frequently sell returned cars below book value.
Now, some people really are car enthusiasts and they just love exotic cars which is fine, however, most people leverage themselves out to own some vehicle they think will attract the opposite sex.
I can’t tell you how many people I know who make judgments about strangers almost solely on what they drive.



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