sedan. Sunday , June 25th , 2017 - 06:39:59 AM
The reason a car leases monthly payment is so much less than the principal and interest payments on a car note is that the lessee is not amortizing the value of the car with the payment. The lessee is amortizing only the depreciation costs and paying interest to do so! As an example if the 3-year depreciation expense on a car $20,000 car is $10,000, the monthly payment on the lease is based on that 10K along with the interest rate. Sounds like a good deal, I suppose, until you figure in that the car dealer will get back a used car at the end of the lease that he intends to sell for the full value of its make and model. What this means is pristine physical condition and low mileage. If the car returns in anything other than perfect condition, the lessee will have to pay in the form of stiff mileage and wear and tear penalties. Lease a car back to back and you loose big time because you are always bearing the cost of someone elses depreciation.
You can also have your money to go into escrow until you receive the auto. So many times have people lost money on the internet because they are too quick to release money to individuals that just don't have the product that they claim to have. With eBay and third party applications you can negotiate to have the money deposited into a third party account and receive the product. Once received you just tell the third party and they will release the money to the seller. It is as easy as that.
Laser surgery is a popular method for removing acne scars. It's kind of the twenty-first century version of dermabrasion (although that still exists). It's a reasonably successful way at treating your acne scars, and your dermatologist may have recommended it. The thing is though - laser treatment is not cheap. In fact - it's very expensive. To add insult to poverty, you may even need more then one treatment to remove all the scars. So it's worth looking into it a bit further...
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