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1、Chapter 8 第八章,The Home and Automobile Decision房屋及交通工具的決策,1,Prentice Hall Inc.,Smart Buying Process聰明購買的步驟,Step 1: Do your homework步驟一:做家庭作業 Is the purchase a “need” or “want”?你的購買是基於”需要”或是“想要”? Consider alternative products and features.考慮替代物 Does the purchase fit your budget?購買符合你的預算嗎? Step 2: Make
2、 your selection步驟二:做抉擇 Comparison shop: price, product features, and quality.比較商店、價格、產品特色與品質 Be informed: check library and Web sources.多元化的資訊:查詢圖書館或上網資訊,2,Prentice Hall Inc.,Smart Buying Process (contd)聰明購買的步驟(續),Step 3: Make your purchase步驟三:購買行動 Negotiate the price.議價 Evaluate financing alternati
3、ves.評估對財務的影響 Complete the purchase.完成購買行動 Step 4: Maintain your purchase步驟四:維持購買權力 Resolve complaints; keep good records.解決不滿意的問題，保持良好的紀錄,3,Prentice Hall Inc.,Transportation Needs交通工具的需求,Step 1: Narrowing your choice步驟一:縮小你的選擇範圍 Step 2: Picking your vehicle步驟二:選擇車子 Step 3: Making the purchase步驟三:完成購
4、買 Step 4: The lease-versus-buy decision步驟四:租賃或購買的決策 Step 5: Maintaining your purchase步驟五:購車的維護 Step 6: Consumer protection and your car步驟六:購車與消費者的保護,4,Prentice Hall Inc.,Step 1:步驟一Narrowing Your Choice :縮小你的選擇範圍,Consider your lifestyle and needs versus wants.衡量你的生活型態及所需的車種 Look at the alternatives.比
5、較其影響力 Fit your car into your budget; calculate the payment.計算付款額讓夠符合你的預算,5,Prentice Hall Inc.,Step 2:步驟二Picking Your Vehicle選擇車子,Do your comparison shopping via the internet or publications:透過網路或公共資訊去比較 Compare price比較價格 Compare features比較性能 Compare quality比較品質 Determine what is available in your pr
6、ice range.計算何較符合你的價位 Test-drive the exact vehicle you are considering.你所考慮的車子做道路駕駛測試,6,Prentice Hall Inc.,Step 3: 步驟三,7,Prentice Hall Inc.,Making the Purchase完成購買,Take advantage of sales, but negotiate the price: 利用購買優勢，並進行議價 Know the dealers cost of the vehicle and any holdback.知道汽車經銷商的成本價與任何佣金 Und
7、erstand the various dealer markups.明瞭不同經銷商的報價 Be aware of any rebate(s) that may apply.知道可能會有哪些折扣,8,Prentice Hall Inc.,Step 3: 步驟三 Making the Purchase (contd) 完成購買(續),Evaluate financing alternatives:評估財務選擇性 Determine the length of financing.計算借款期限的長短 Shop around to find the best interest rate.找出最好的利
8、率 Choose a financing period and rate to give you an affordable monthly payment.選擇一個你負擔的起的借款期限與利率 Consider a lease:考慮租賃 Negotiate a fair vehicle value and a low rent or finance charge.決定合理的汽車價值及租金與借款條件 Choose a vehicle with slow depreciation.選擇則折舊率低的車種,9,Prentice Hall Inc.,Step 4: The Lease-Versus-Bu
9、y Decision租賃或購買的決策,Closed-end leases, or walk-away leases:封閉式租賃 Normally offer a purchase option通常提供一個優先購買權 Require the dealer to be responsible for resale要求經銷商負責再將車子賣出 Account for about 80% of all leases有80%的車屬於封閉式租賃 Open-end leases:開放式租賃 Compare the market value to the leases residual value of the
10、 vehicle租約到期時，車子的剩餘價值與市價去比較其差額 Are to be avoided because you pay the difference避免選擇它，因為你可能要付這一筆差額,10,Prentice Hall Inc.,When is Leasing a Good Option?何時選用租賃的時候？,If you are financially stable你的財務狀況是穩定的 If you drive less than 15,000 miles annually你的行車里程數不超過15,000公里 If you take good care of your vehicl
11、es你相當會照顧你的車子 If you use your vehicles for business travel你使用車子做商務旅遊 If you do not modify your vehicles你不改裝你的車子 If the vehicle you are considering doesnt depreciate too quickly如果你所考慮使用的車種折舊損耗不是很迅速,11,Prentice Hall Inc.,Calculating Your Monthly Lease Payment計算你租賃的月付額,Your lease payment depends on the
12、following factors:你的租賃月付額須視下列因素而定 Agreed-upon price 相互認定的汽車價值 Up-front fees其他的外加費用 Down payment or trade allowance自備款或其他 Residual value租約期滿的汽車價值 Rent or finance charge租金或財務費用 Length of the lease租約期間的長短,12,Prentice Hall Inc.,Step 5:步驟五Maintaining Your Purchase購車的維護,Read the owners manual and perform
13、regular maintenance.詳讀汽車使用者手冊，並保持正常維修 Dont ignore warning signals.不要忽略警告訊息 Choose a good garage; check training and experience.挑選一個好的修護廠，受過正規訓練且經驗老到的,13,Prentice Hall Inc.,Step 6:步驟六Consumer Protection and Your Car購車與消費者的保護,Know and use your warranty.瞭解並使用你的保證條款 Use the “lemon laws,” if necessary, t
14、o get a refund:如果必要，使用”檸檬法案” 以爭取償還 Made 4 attempts to fix the problem做四個步驟來解決問題 Car out of service at least 30 days during the 12 months after purchase or the first 12,000 miles車子的問題經過30天以上無法解決，或是購買車後12個月內或是行駛里程數12,000公里內,14,Prentice Hall Inc.,Comparing Options for Housing住宅的選擇,Houses typically sing
15、le-family, free-standing dwellings房屋典型的單一家庭或獨棟住宅 Cooperatives multi-unit 合作公寓複合式或單一住宅 Condominiums multi-unit dwellings共同管轄複合式或單一住宅 Planned unit developments (PUDs) planned with common land單位計劃開發共同的土地共同分擔開發計畫 Apartments and other housing multi-unit dwellings公寓和其他住宅複合式或單一住宅,15,Prentice Hall Inc.,Hous
16、ing Options:房屋的選擇Houses房屋,Advantages:優點 More space 更多的空間 Greater privacy較好的隱私權 Builds equity建物的公共設施 Disadvantages:缺點 Maintenance time and costs維修費時且費成本 Repair costs修理成本 Resale hassles在銷售時的困擾,16,Prentice Hall Inc.,Housing Options:房屋的選擇Cooperatives合作公寓,Corporate-owned dwellings in which the residents, as shareholders, own stock representative of the value of their unit. Monthly homeowners fee.是由一家公司所擁有的公寓或是社區公寓，居住者就是這家公司的股東，每個月須支付房屋擁有費,Advantages:優點 Low maintenance低維修費 More amenities更多的公共設施 Highe
