首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Where do the worst accidents happen according to Kiplinger’s Personal Finance magazine?
Where do the worst accidents happen according to Kiplinger’s Personal Finance magazine?
admin
2012-12-30
55
问题
Where do the worst accidents happen according to Kiplinger’s Personal Finance magazine?
W: Lots of Americans dream about owning a shiny new car. But before you spend your hard-earned cash on some hot wheels, you definitely want to hear what personal finance expert Dave Ramsey has to say. Hey, there, good to see you, Dave.
M: Good to see you.
W: So, you never ever buy a new car?
M: Well, I am like everybody else. I am a boy. I like new cars, but they go down in value like a rock. (1) I mean, Kiplinger’s Personal Finance magazine says you lose 60% of the value in the first few years, and the worst car accidents happen on the show room floor.
W: Oh, and the minute you drive it off the show room floor, of course the value is lost right away, right?
M: All right. Sure it’s the wheels that break the curb, you know, you really have to change, you know.
W: Oh my God. So maybe it’s not a wise use of your money. What about employee discount for the cars?
M: Well, certainly it’s pulled people back into that and 0% interest before that, but even then, you got to consider by the time you get it home, you’ve still lost money. (2) So, a wise use of your dollars, unless you’ve got just piles of cash, is to really pay cash for a high-quality 2 or 3 year-old used car, let someone else take the kicking on depreciation.
W: Oh, you have done it and then break it down with a lease payment, which sounds reasonable. What about leasing a car? Come on!
M: You know, (3) Consumer Reports says it is the most expensive way to operate a vehicle, because in fleecing, what you’ve done is to quit asking "how much", Now, you just asking how much down, how much a month, and when you start asking that.you are gonna live in endless payments the rest of your life, and again, like I always say, you tie up your most powerful wealth building to, which is your income, with no car payments, you can have some money.
W: Alright, now, tell us about how to buy a used car then. You say that’s a way we go, right? How, how used is used?
M: (3) Well.it depends on how much money you have. And, you should pay cash. Again, grandmother’s rule:If you can pay cash. Look, just for a short period of time, drive like no one else, so later you can drive like no one else. The average car payment in America is 378 dollars over 84 months right now. If you took that and invest it from age 25 to age 65 in a mutual fund, you’ll have 4.4 million dollars. So, let’s take that money, set them in a cookie jar, pay cash for a little used car, and then move up; and then do it again, and then move up and work your way out.
W: OK, and how do we move up? So we are saving money, so we are buying our nice resolvable car right, for cash, then we are putting away money each month for a nicer car?
M: Pay yourself a car payment, and then you’ve got 4, 000 dollars every 11 months or so.
W: How do we know how much we can afford?
M: (3) You should never have vehicles, cars, boats, trucks, sedans and their sisters that add up to more than half your annual income. Because then you got too much tied up and things are going down in value. It’s the most expensive thing we buy, but it’s all about prestige. I mean, we spent a minimum amount of money to impress somebody at the stoplight we’ll never meet.
W: I know, it is a big ego buy, isn’t it? It really is. All right, what about people who are afraid of getting stuck with problems if you buy a used car?
M: Well, that’s an old car dealer’s myth. I mean, really, if you buy a car from 50s to 60s, that might be true, but the cars that we build today, are fabulous cars. And they’ve got a lot of life in them. If you had one at 60, 000 miles, it is about to fall apart. Now it’s got 26Q thousand miles if it is about to fall apart. They got a lot of life in them. (4) And you can get services like car factory. You can check the history of the car, make sure you’re getting a good car, have your mechanic check it. There are good cars out there.
W: All right, let’s take a look at your tips here, just by way of your views. So, (5) you said, don’t buy a new car, unless you are rich. What’s rich?
M: Well, usually you need at least a million bucks. I mean the bottom line is can you lose 20, 000 dollars and not miss it?
W: Wow, I don’t think anybody can say that. (5) All right, you say, don’t lease a car. It’s never a good deal. (5) OK, buy a car that is 2 years old or more. Why is it 2 years?
M: Again, because that is where the most of that appreciation, most of that value lost in the first two years.
W: OK, pay cash.
M: Absolutely, always. Because then you have that control of your earned money.
W: (5) Save up for that better car. All right, great advice as always. Thanks a lot.
M: My pleasure.
选项
A、In the car factory.
B、On the show room floor.
C、On the highway.
D、In your own garage.
答案
B
解析
转载请注明原文地址:https://kaotiyun.com/show/15aO777K
0
专业英语八级
相关试题推荐
Youshouldnotfearspidersthankstotheirpoison.Ofallthespidersin【M1】______NorthAmerica,onlyonekindisreallyda
ReligionsoftheEastAfewyearsagomanywell-knownpeoplecametotheEasttostudytheAsianreli-gions.Theywerecuriou
WhichofthefollowingisNOTinLondon?
TheUnitedNationswasfoundedtopromotepeace,prosperityandhumanrights.Itisdoingsomewhatbetteronthefirsttwocount
Britain,underaLabourgovernment,consideredditching(givingup)itsnucleardeterrentasawayofmakingcrucialsavingsto
Tellaninvestmentbankerthatapictureboughtin1950for$30,000soldthismonthfor$104.1millionandyouwillbeunluckyi
Backin1985,ViktorCherkashinwasaseniorKGBofficerattheSovietEmbassyinWashington.Intheshadowyworldofespionage,
"Thishouseismoresystematicbureaucraticthanthefederalgovernment!"Maccomplainedtohisparents.
ThebiggestproblemfacingChileasitpromotesitselfasatouristdestinationisthatitisattheendoftheearth.Itisto
随机试题
作为会计基础的权责发生制,其产生的依据是()。
在消费者均衡点上无差异曲线的斜率()。
人们相见握手时,忌讳()。
简述学校产生的基本条件。
关于行政机关对行政相对人实施查封、扣押的行为,下列做法不正确的是:
劳务派遣是最近几年国内兴起的一种新的用人模式,其对象是在知识经济条件下应运而生的一个新的具有高度专业技术知识、经验与能力的特殊劳务群体,他们应不同企业之邀,在不同企业、行业、国家之间流动着。劳务派遣形式多样,对工人可以长期使用,也可以短期使用,双休日使用,
在中国,让公众理解科学将是一个长期的奋斗目标,除了科学界和教育界的参与,除了更好发挥现有科普资源的作用,眼下更需要做的一件事情是:职业科学普及工作者的培养和扶持,包括一批科普作家队伍的造就。围际上的经验表明,一批职业科学普及撰稿人的存在是科学普及的重要支撑
在CPU的状态寄存器中,若符号标志为“1”,表示运算结果为(25);若进位标志为“0”,表示(26)。
Difficultworkingconditionsthatrangedfrommerely______toextremelyintimidatingwerethenormforjazzperformerBillieHoli
A、She’slearnedalotfromtheliteratureclass.B、She’swrittensomebooksaboutworldclassics.C、She’smetsomeofthewor
最新回复
(
0
)