【正文】 Chapter 8 第八章 The Home and Automobile Decision房屋及交通工具的決策 1 Prentice Hall Inc. Smart Buying Process聰明購(gòu)買的步驟 Step 1: Do your homework步驟一 :做家庭作業(yè) ? Is the purchase a “need” or “want”?你的購(gòu)買是基於 ”需要”或是“想要” ? ? Consider alternative products and ? Does the purchase fit your budget?購(gòu)買符合你的預(yù)算嗎 ? Step 2: Make your selection步驟二 :做抉擇 ? Comparison shop: price, product features, and quality.比較商店、價(jià)格、產(chǎn)品特色與品質(zhì) ? Be informed: check library and Web 資訊 :查詢圖書館或上網(wǎng)資訊 2 Prentice Hall Inc. Smart Buying Process (cont’d)聰明購(gòu)買的步驟 (續(xù) ) Step 3: Make your purchase步驟三 :購(gòu)買行動(dòng) ? Negotiate the ? Evaluate financing ? Complete the Step 4: Maintain your purchase步驟四 :維持購(gòu)買權(quán)力 ? Resolve plaints。 keep good 問(wèn)題，保持良好的紀(jì)錄 3 Prentice Hall Inc. Transportation Needs交通工具的需求 Step 1: Narrowing your choice步驟一 :縮小你的選擇範(fàn)圍 Step 2: Picking your vehicle步驟二 :選擇車子 Step 3: Making the purchase步驟三 :完成購(gòu)買 Step 4: The leaseversusbuy decision步驟四 :租賃或購(gòu)買的決策 Step 5: Maintaining your purchase步驟五 :購(gòu)車的維護(hù) Step 6: Consumer protection and your car步驟六 :購(gòu)車與消費(fèi)者的保護(hù) 4 Prentice Hall Inc. Step 1:步驟一 Narrowing Your Choice :縮小你的選擇範(fàn)圍 Consider your lifestyle and needs versus 型態(tài)及所需的車種 Look at the 響力 Fit your car into your budget。 calculate the 讓夠符合你的預(yù)算 5 Prentice Hall Inc. Step 2:步驟二 Picking Your Vehicle選擇車子 Do your parison shopping via the inter or publications:透過(guò)網(wǎng)路或公共資訊去比較 ? Compare price比較價(jià)格 ? Compare features比較性能 ? Compare quality比較品質(zhì) Determine what is available in your price 算何較符合你的價(jià)位 Testdrive the exact vehicle you are considering.你所考慮的車子做ㄧ道路駕駛測(cè)試 6 Prentice Hall Inc. Step 3: 步驟三 7 Prentice Hall Inc. Making the Purchase完成購(gòu)買 Take advantage of sales, but negotiate the price: 利用購(gòu)買優(yōu)勢(shì)，並進(jìn)行議價(jià) ? Know the dealer’s cost of the vehicle and any 金 ? Understand the various dealer 同經(jīng)銷商的報(bào)價(jià) ? Be aware of any rebate(s) that may 可能會(huì)有哪些折扣 8 Prentice Hall Inc. Step 3: 步驟三 Making the Purchase (cont’d) 完成購(gòu)買(續(xù) ) Evaluate financing alternatives:評(píng)估財(cái)務(wù)選擇性 ? Determine the length of ? Shop around to find the best interest ? Choose a financing period and rate to give you an affordable monthly Consider a lease:考慮租賃 ? Negotiate a fair vehicle value and a low rent or finance 定合理的汽車價(jià)值及 租金與借款條件 ? Choose a vehicle with slow 9 Prentice Hall Inc. Step 4: The LeaseVersusBuy Decision租賃或購(gòu)買的決策 Closedend leases, or walkaway leases:封閉式租賃 ? Normally offer a purchase option通常提供一個(gè)優(yōu)先購(gòu)買權(quán) ? Require the dealer to be responsible for resale要求經(jīng)銷商負(fù)責(zé)再將車子賣出 ? Account for about 80% of all leases有 80%的車屬於封閉式租賃 Openend leases:開放式租賃 ? Compare the market value to the lease’s residual value of the vehicle租約到期時(shí)，車子的剩餘價(jià)值與市價(jià)去比較其差額 ? Are to be avoided because you pay the difference避免選擇它，因?yàn)槟憧赡芤哆@一筆差額 10 Prentice Hall Inc. When is Leasing a Good Option?何時(shí)選用租賃的時(shí)候？ If you are financially stable你的財(cái)務(wù)狀況是穩(wěn)定的 If you drive less than 15,000 miles annually你的行車?yán)锍虜?shù)不超過(guò) 15,000公里 If you take good care of your vehicles你相當(dāng)會(huì)照顧你的車子 If you use your vehicles for business travel你使用車子做商務(wù)旅遊 If you do not modify your vehicles你不改裝你的車子 If the vehicle you are considering doesn’t depreciate too quickly如果你所考慮使用的車種折舊損耗不是很迅速 11 Prentice Hall Inc. Calculating Your Monthly Lease Payment計(jì)算你租賃的月付額 Your lease payment depends on the following factors:你的租賃月付額須視下列因素而定 ? Agreedupon price 相互認(rèn)定的汽車價(jià)值 ? Upfront fees其他的外加費(fèi)用 ? Down payment or trade allowance自備款或其他 ? Residual value租約期滿的汽車價(jià)值 ? Rent or finance charge租金或財(cái)務(wù)費(fèi)用 ? Length of the lease租約期間的長(zhǎng)短 12 Prentice Hall Inc. Step 5:步驟五 Maintaining Your Purchase購(gòu)車的維護(hù) Read the owner’s manual and perform regular 者手冊(cè)，並保持正常維修 Don’t ignore warning Choose a good garage。 check training and 護(hù)廠，受過(guò)正規(guī)訓(xùn)練且經(jīng)驗(yàn)老到的 13 Prentice Hall Inc. Step 6:步驟六 Consumer Protection and Your Car購(gòu)車與消費(fèi)者的保護(hù) Know and use your 證條款 Use the “l(fā)emon laws,” if necessary, to get a refund:如果必要，使用 ”檸檬法案” 以爭(zhēng)取償還 ? Made 4 attempts to fix the problem做四個(gè)步驟來(lái)解決問(wèn)題 ? Car out of ser