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
89
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
Airpollutionexistsnotonlyoutdoor,butalsoindoor.Ithasgreateffectsonpeople,andtherearemanymeasurestakentocor
Variationsamongstateinsurancelawscancauseproblemsforfamilies.Ifyoudoyour【M1】______homeworkbeforemovingtoanoth
MoviesarethemostpopularformofentertainmentformillionsofAmericans.Theygotothemovietoescapetheirnormaleveryd
Longbefore"crossover"and"eclectic"becamepartofthejournalisticvernacular,DinahWashingtondefiedcategorizationandem
Joyandsadnessareexperiencedbypeopleinallculturesaroundtheworld,buthowcanwetellwhenotherpeoplearehappyord
Inthesummerof999,LeifEriksonvoyagedtoNorwayandspentthefollowingwinterwithKingOlafTryggvason.Substantiallythe
A、alltheTalibancaptorsbecaughtandpunishedB、itwouldnotexchangeTalibanprisonersforKoreanhostagesC、itwouldnegoti
中国是一个地域辽阔、有着数千年悠久历史的多民族国家,有着秀丽的自然风光、众多的名胜古迹和丰富多彩的灿烂文化,旅游资源十分丰富。改革开放以来,中国经济以年平均近10%的速度持续增长,各项事业蓬勃发展,人民生活水平显著提高,为旅游业的兴旺奠定了坚实的基础。中国
Theminimalunitofmeaninginalanguageis
Whichofthefollowingdetailsdoesnotmatchthedescriptionoftherobber?
随机试题
我国票据立法对开立支票存款账户的要求不包括()
男性,20岁,低热、咳嗽、咽部不适2周,胸X线片示两肺下部网状及按小叶分布的斑片状浸润阴影,血WBC10×109/L。首选哪项检查以确定诊断
A.20分钟B.30分钟C.40分钟D.50分钟E.60分钟
风湿性心包炎的特点,以下哪项是错误的
根据《城市房地产管理法》,以出让方式取得土地使用权属于房屋建设工程的,按照土地使用权出让合同约定进行投资开发,其完成的开发投资达不到项目开发投资总额的()以上的,不得转让。[2010年考试真题]
保险的职能是由()决定的。
人民英雄纪念碑以谁的设计方案为主,负责雕刻的是谁?
“为人师表”作为教师行为规范,这是由教师职业道德的()决定的。
定金是指合同当事人为了确保合同的履行,依据法律规定或者当事人双方的约定,由当事人一方在合同订立时,或订立后、履行前,按合同标的额的一定比例,预先给付对方当事人的金钱或其他代替物。以下属于定金的是()。
In1915EinsteinmadeatriptoGottingentogivesomelecturesattheinvitationofthemathematicalphysicistDavidHilbert.H
最新回复
(
0
)