The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback))


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The Complete Idiot's Guide to Retirement Planning “Should I buy a new car?”

Since going live in February , I've run the Investing for Beginners site at About article to which it is attached, which should make the whole thing easier. Tim describes that for his entire working style, including something fascinating I had never really considered: virtual admins. See a related Friday Entrepreneur.

Last come the idiots, whose avarice undermines the very innovations of value;; undermined the economic recovery from the Global Financial Crisis; Join CustomerThink, get e-book 10 Big Ideas for Customer Experience Success! Here's a week-in-the-life of Tim Leffel: an expat travel writer, blogger, and a child and wrote the popular budget travel guide The World's Cheapest Destinations.


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  • The Complete Idiots Guide To Retirement Planning Complete Idiots Guides Lifestyle Paperback..

Salsa is not very complicated, so I don't feel like a complete idiot doing the book New Revelations of the Americas Before Columbus. Should you take the brokerage account or the retirement plan? My whole dam life I want my old life back I just hope to god the judge listinens to me.. A good way to think about either a used or new car is to think about the total cost and divide that across the number of years you plan to drive it.

As I continue driving it, that cost will go down even more. Perhaps that says something about the debt burden of the average person in the U.

Should I buy a new car? (When to buy new & 9 reasons why)

Meet the person driving the same car for 15 years. Bought a Subaru Forester in , coming off a 1-year lease with about 10k miles on it. Thanks for this discussion. As someone who has just been through a year and half long ordeal with the most anal car guy on the planet, I have this to say:. Even if you love cars, a car is not an investment. A car, like a computer, is a tool.

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Never buy a new car if you are uncomfortable going into debt over a car and can not pay for the thing in cash. His cars have gotten less cool over the years, but that just makes him seem cooler. Dealer wanted to sell the s he had, cut a good deal. Paid up front the cost of the car to the dealer, no financing.

Should you buy a new car? When to buy new & the 9 reasons why it’s worth it

Still driving that same car and it is in great shape. Of course, the jalopy mini van has a lot of down side compared to a new car, but you should be comparing a new Accord to a barely old Accord. The only reason repairs and maintenance would be any different is that the used car is or two years older than the new car. I would have liked to hear you give a more objective review of the differences between used and new — personal feelings aside.

Back up your arguments with some more data. As everyone has pointed out so far, hands down it only makes financial sense to get a used car over a new car of the same or better reliability upgrade with the money you are saving. If you want to talk about other measuring sticks like total satisfaction or personal preferences, then be honest and say so. I definitely see your point here. Is there a price on peace of mind? My first inclination is to get a new car, because I have been so scarred by driving a junk heap for the last 6 years — throught grad schools. I am slowly [very slowly] coming around to [maybe] getting something like a certified used — for me, I must have a great warantee.

If you buy a new car, get gap insurance. Because they lose so much value. Factor in that it would have at least 80, miles on it probably more since most people drive around 15k to 20k miles a year and the odds drop even more. The reasons for a new car are difficult to justify financially.

As people have said, the same model, 2 or 3 years old, is just as reliable, might still be under warranty, and is cheaper. The insurance is cheaper. Also, you can negotiate the price of a used car, and usually easier too because some tool traded it in for a new one, and got next to nothing for it, so the dealer has more of a spread to work with. I post a comment this afternoon, and suddenly there are 27 others. This has obviously touched on some nerves. To some they are merely transportation. Others view it as security. Others think of cars as toys to be played with. Others unfortunately view it as part of their identity certainly the auto ads speak to these kinds of people.

There can be a bunch of valid opinions about this topic, depending what category you fall into. I scoff at the people who are willing to in my opinion spend too much for a car that is new — whatever car that is. To those who are terrified that they might have a car that breaks down — well, I grew up in a family with terribly unreliable cars, and there are certainly worse things than having to call AAA and rent a car for a few days.

This is more than just picking a mutual fund.

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I fail to see how a new car could EVER ake more financial sense than that. At the end like most of the post so far, I still think that in most situation, a use car is probably a better choice financially for most people. Intuitively, since a used car has a lower initial price, yet shorter lifespan, and a new car has a higher price, but longer lifespan, there should be a point where these two costs converge.

With the increasing reliability of cars, used cars have only gotten more expensive. Given this, if one researches the market enough, and in the current climate of dealers doing almost anything to sell a car, there definitely exists a market where buying a used car makes sense. I think one key issue that most people overlook when suggesting that you should buy used is that depreciation varies a lot from model to model. For the Explorer, used makes sense because they lose value quickly.

There is a big price difference between a new Explorer and one that is 3 years-old. Car models and brands that have a reputation for being well-built will depreciate much more slowly, leaving very little advantage to buying a used model. I love my Jettas.

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I bought both of them used and drove the snot out of them. I put around , miles on each. Someday I may buckle down and get a new car; but for my lifestyle and cash flow, a two or three year old car seems to hit the sweet spot. I got a new civic 06 this year instead of an old car. Lots of comments… wow… in just 24 hours…. Interesting perspective. I think you can do okay with a new car, in either of two scenarios. So what do I do?


  1. Series: Complete Idiot's Guide?
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  4. I pick them up just off lease, drive them 10 years, then sell them myself. Cost per month is dirt, and they have the latest technology that most of us will see in a car for at least the first 5 years that I own them. I know the easy answer is to stick it out and pay off the car, but I want to know some other ways to get rid of this thing.

    Grats on your new car, Ramit. I respect your choice to go for the new car. As others have mentioned above, some people feel better with new stuff and are willing to spend more. Otherwise, you could get the same generation car same motor, same body a year or two older for much less used. I feel that the arguments presented above pretty much encompass both sides.. Reliability Issue.

    If you compare junker per nice new car, and sure that helps. But compare the same model year today and two years from now. Any care with reliability issues after two years used, is not a car you would want to purchase new. Under any circumstances. Opportunity Cost. Assuming you can afford to finance either, what are you losing if you would have invested that premium?

    Do you people do anything for fun? Everytime I hop into my NEW car i get a big fat smile on my face. I have it financed at 2. If you can mitigate as much of the negatives of owning a new car as possible by good research, negotiating, financing, and holding long term and still get the added benefit of a new car, then go for it. And, you are assuming all and everyone has followed your excellent advice regarding credit. Not always true. Next, the new v used argument can often be dependent upon a myriad of factors outside your evaluation.

    The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback)) The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback))
    The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback)) The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback))
    The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback)) The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback))
    The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback)) The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback))
    The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback)) The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback))
    The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback)) The Complete Idiots Guide to Retirement Planning (Complete Idiots Guides (Lifestyle Paperback))

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