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<table border="0" cellpadding="3" cellspacing="1" width="100%" class="forumline"> <tr> <th class="thCornerL" width="22%" height="26">Autor</th> <th class="thCornerR">Wiadomość</th> </tr> <tr> <td width="22%" align="left" valign="top" class="row1"><span class="name"><a name=""></a><b>ghdhair100</b></span></td> <td class="row1" height="28" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%"><img src="http://picsrv.fora.pl/subBlack/images/icon_minipost.gif" width="12" height="9" alt="Post" title="Post" border="0" /><span class="postdetails">Wysłany: Pią 8:56, 18 Mar 2011<span class="gen"> </span> Temat postu: Auto Leasing Scams-498</span></td> </tr> <tr> <td colspan="2"><hr /></td> </tr> <tr> <td colspan="2"><span class="postbody">Auto Leasing Scams <br />Car-leasing has been lauded as a more attractive alternative to buying, <br />offering in the process the flexibility to drive a new car for less. The <br />reality,<a href="http://www.australiaghdonline.com" target="_blank" class="postlink">Buy Ghd Straighteners Australia</a>, however, is that leasing is an option that is fraught with many <br />pitfalls for the average customer. Leasing regulation does not require as <br />much disclosure as buying a vehicle. This has given rise to many leasing <br />scams that trick the customer into believing they are into a good deal <br />when, in effect, all he is getting is a rough deal on the dealer抯 terms. <br />Here we look at some of these common scams and how to avoid them <br />Artificially low interest rates: <br />Some dealers quote a lower interest rate when in reality it抯 much <br />higher. They do this by either purposefully quoting the money factor as <br />the interest rate or calculating the loan without amortizing some closing <br />fees, like the security deposit, into the loan lease. Take the money <br />factor for example: this is typically expressed as a four decimal digit, <br />something like 0.004. Some dealers quote this as a 4% interest rate when <br />in fact you need to multiply it by 24 to get a rough idea of the interest <br />rate on your loan. In this example,<a href="http://www.australiaghdonline.com" target="_blank" class="postlink">Cheap Ghd Australia</a>, the interest rate is a much higher 9.6% <br />than the 搎uoted� rate of 4%. <br />Make sure you crunch the numbers and understand the formula they use to <br />calculate their interest rate. Look out for any fees not factored into the <br />calculation. If you are not satisfied, do not enter into the lease <br />agreement. <br />Terminate your lease early for a low penalty <br />This is an all-time leasing scam. You ask your dealer how much you will pay <br />if you want to terminate your lease and he tells you: 揧ou want to get out <br />early? Sure thing,<a href="http://www.ghdaustraliastore.com/ghd-pure-white-hair-straightener-p-195.html" target="_blank" class="postlink">GHD Pure Straightener On Sale</a>, you only pay an early termination fee of $300�. What he <br />is quoting is only the small administrative penalty of early termination, <br />there is a much stiffer penalty called early termination fee and this runs <br />into thousands of dollars. <br />Do not confuse the early termination administrative penalty with the <br />termination fee. Read the small print carefully and know exactly how much <br />you will get charged should you terminate your lease before its scheduled <br />end. <br />Pay for an extended warranty you don抰 need <br />This is another shell game to inflate the dealer抯 profit at your expense. <br />The dealer slides an extended-warranty into the deal whilst it抯 already <br />factored into the monthly payments, or he tricks you into buying a 36-month <br />warranty on a 24-month lease. <br />You do not have to pay extra money for a warranty already built into your <br />payments or for one that goes well beyond your lease term. <br />They might slip an extended warranty in. Don抰 be fooled, the warranty is <br />already factored in. <br />No security deposit <br />Any dealer who advertises a $0 security deposit is not telling you the <br />whole story. A security deposit is always factored in the lease under the <br />provision for disposition fees. <br />(Word count: 498) <br />PPPPPP <br />The exclusionThe head teacher wrote to the parents of R and F telling them that neither R nor F could come back to school, but that they would be given help in completing their course at home. He should, of course, have told the parents immediately, ideally by telephone followed by a letter, of their right to make representations to the governing body. <br /> <br /> <br /> <a href="http://www.forge.fora.pl/forum,16/atkins-induction,33446.html#37156" target="_blank" class="postlink">Atkins-Induction</a></span></td> </tr> </table></td> </tr> <tr> <td colspan="2" height="1" class="spaceRow"><img src="http://picsrv.fora.pl/subBlack/images/spacer.gif" alt="" width="1" height="1" /></td> </tr> </table>
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