w*******y
发帖数: 60932 | 1 During September, Acura has some good lease programs on the 2010 TSX sedans.
The interest rate is really low at 0.00064 = 1.53% and the 3 yr , 12K miles
/yr residual is 60% which is pretty high and good.
There is also a $750 incentive on the base and a $1000 incentive on the Tech
Pachage
2010 Acura TSX
36-month | 15k miles | residual 58% | .00064 base money factor
2010 Acura TSX Tech
36-month | 15k miles | residual 55% | .00064 base money factor
2010 Acura TSX V6 Tech
36-month | 15k miles | resi |
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d**g
发帖数: 1727 | 2 with bmw, not much room to negotiate residual value. it is set by bmw financ
ial. about 60% for 36 month lease.
however, there normally a huge room to push on money factor (related to inte
rest rate). bmw financial has it at around 0.0018. but most dealers ask for
0.0023 or higher for profit.
your monthly payment is about (initial value - residual value)/ N month + (i
nitial value + residual value) x money factor. |
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s******r
发帖数: 1439 | 3 发信人: forgotten (天道酬勤), 信区: Automobile
标 题: 攒点rp, 来写个lease指南
发信站: BBS 未名空间站 (Tue Sep 12 18:40:47 2006)
最近问lease的比较多, 俺来科普一下:
简单的说, lease和buy都是付贬值加利息:
lease cost: 买价 – residual value + 利息
buy cost: 买价 – 以后trade-in价格(或者卖给私人) + 利息
一般lease的residual value都比黑心dealer给的trade-in要高, 卖给私人的话, 买车
时交的几千块钱税可就都没了(lease只需要对贬值的那一部分交税), 所以贬值部分
lease更划算一点. 利息部分, lease用的是固定的money factor计算利率, 乘以24相当
于等效APR, 可以和自己贷款能得到的APR比看哪个更划算.
不过三年以上lease的residual value和money factor都很差, 所以要lease尽量在三年
以内. 如果准备开五年以上再转手, 肯定是买下来划算, lea |
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S******Q
发帖数: 475 | 4 关于手术后果CG XIAO 自己是这么说的
http://sci.rutgers.edu/forum/showthread.php?t=133933
3, What means 80% effective rate:
The effective rate included cured and improved, Cured means cath free,
infection free, no need for anticholineric (detropen)and residual urine
volume less than 100 ml. If residual urine is more than 100 with reduced UTI
, we classify it as improved.
但是有病人不满意继续追问这80%
cg xiao又如是说
Cured/improved=2/1
所以CG XIAO自己白纸黑字定位的治愈率是80% x 2/3 =53%
似乎和美国医生在护士会议上顺便扯扯出来的数据也相去甚远. |
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T**********1
发帖数: 2406 | 5 The basis of this Marxism thing is: value is objective, therefore we can
eventually determine scientifically the exact
value of each human needs and allocate perfectly the resources that we have
to achieve perfect society. That is also
what Ford assumed, that his workers all preferre 8 hour work day.
But is value objective, or was Henry Ford right that all the workers
preferred 8 hour day?
A simple example that most Chinese would understand in America: a movie
ticket cost $10, so is the value o... 阅读全帖 |
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c*******v
发帖数: 2599 | 6 Ford有WSJ原文,他说了,工人工作10几个小时,那就不会买他的东西.
既然有了这个自觉,他就努力造需求.然后工人需要多少东西,这和资本家的努力有关.
所以这个逻辑到最后就是资本家尽量多给工人报酬的逻辑.这就是今天的profit share.
另一方面,资本主义国家机器为了把钱收回来,培育人民的消费习惯.---看看身边的美国
人.
墨西哥大妈带几个孩子的,也要买iphone,你说这是她的主观需求还是可观的?
马克思左派可能会说,她的灵魂被国家机器操纵了,自觉地做个消费者,把钱还给资本家.
前段时间有个新闻,一个大妈,穷到信用卡申请不到的,攒了点社会救助的cash去买ipad,
被拒了.电视上一曝光,第二天apple就来个VP接受采访,安排送礼物上门.
这背后的逻辑就是:你看这多好的消费者阿,穷到这个地步,还要做合格的消费者.
傻x店员居然敢不卖东西给人家.我们必须保卫这个消费者,这也是保卫这个社会.
另外马克思算的,我记得是最低需求.
The basis of this Marxism thing is: value is objective, therefore we can
e... 阅读全帖 |
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E*V
发帖数: 17544 | 7 98%的美国苹果农药残留!
The apple industry faces a potential public-relations headache in the wake
of federal testing that found pesticide residues in 98% of America's second-
most-popular fresh fruit, the highest rate among the produce screened by the
U.S. Department of Agriculture in a yearly survey.
In the vast majority of cases, residues of the 48 different pesticides the
USDA found in its sampling of apples—the nation's most widely consumed
fresh fruit after bananas—were within amounts that federal r... 阅读全帖 |
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z**n
发帖数: 22303 | 8 中国伤心,美国也不是那么美好.说到添加剂,麦当劳的奶昔就有上百种,无非是为了提升
口感降低成本,只不过都是正规实验室开发的,剂量控制得好不会有明显毒副作用罢了,
肉蛋奶产业的激素抗生素的使用剂量也是严格的试验过的.发达国家中癌症发病率最高,
肯定有它的原因,只是很难一下子找到直接的严格的联系罢了.
蔬菜产品的杀虫剂问题:
'Dirty dozen' produce carries more pesticide residue, group says
June 01, 2010|By Danielle Dellorto, Senior Medical Producer
If you're eating non-organic
celery
today, you may be ingesting 67 pesticides with it, according to a new report
from the Environmental Working Group.
The group, a nonprofit focused on public health, scoured nearl... 阅读全帖 |
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w*********g
发帖数: 30882 | 9 揭露抗草甘膦转基因大豆油对人类健康造成危害或“潜在危害”
作者：陈一文 更新时间：2011-7-29
陈一文：抗草甘膦转基因大豆油草甘膦残留量严重危害健康
http://blog.sina.com.cn/s/blog_4bb17e9d0102dr58.html
印度德里的Shiram实验室对除胶后的转基因大豆粗油、精炼油及其副产品检测草
甘膦残留量发现：不同的转基因大豆油发现草甘膦残留量差别较大为0.197-0.350mg/kg
，还发现：精炼油中的草甘膦残留量高于粗油。大豆油允许的草甘膦“最高允许残留量
”: 0.05mg/kg。卫生部2005年《国家标准食品中农药最大残留限量GB2763-2005》对对
棉籽油规定的“最大残留限量”规定为0.05mg/kg，与俄罗斯对大豆草甘膦残留量标准
一致。中国对大豆油没有规定草甘膦最大残留限量，应当认为是大豆油中不准有草甘膦
残留量。卫生部2011年《食品添加剂使用标准》（GB 2760-2011）列出的“食品添加剂
”清单不包括“草甘膦”，应当应当理解为，大豆油中如果检测出有毒草甘膦残留量，
应当视为非法“添加剂”！深圳市... 阅读全帖 |
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k*******2
发帖数: 1429 | 10 BT proteins are toxic to human cells
Cytotoxicity on human cells of Cry1Ab and Cry1Ac Bt insecticidal toxins
alone or with a glyphosate-based herbicide
Mesnage R., Clair E., Gress S., Then C., Székács A., Séralini G.-E
Article first published online: 15 FEB 2012, Journal of Applied Toxicology
DOI: 10.1002/jat.2712
ABSTRACT
The study of combined effects of pesticides represents a challenge for
toxicology. In the case of the new growing generation of genetically
modified (GM) plants with stacked t... 阅读全帖 |
|
s*********8
发帖数: 901 | 11 President Barack Obama and President Hamid Karzai of Afghanistan agreed
after talks at the White House on Friday to slightly speed up the process
that calls for American and other NATO forces to leave that war-torn country
by late 2014. But Obama hedged on the much-discussed possibility of a U.S.
military presence after that benchmark date.
The training of Afghan forces and the battleground successes against
Islamist insurgents have gone well enough to meet NATO-set withdrawal goals
and “acceler... 阅读全帖 |
|
M******8
发帖数: 10589 | 12 http://blog.sina.com.cn/s/blog_4b2ed3c30101en3b.html
黎蜗藤 http://blog.sina.com.cn/dddnibelungen 2013-05-09 22:55:20
黎蜗藤
提要：琉球问题并非悬而未决，中国政府多次承认琉球是日本不可分割的一部
分，无论从历史法理和现实上，所谓的“琉球问题”都不是一个问题。如果悍然
提出琉球问题只会令中日关系变得不可挽回，也难免受到日本提出台湾问题的反
制，最终将葬送了东亚十几亿人民的和平和福祉。此等局面为右翼分子所喜，但
决不是爱好和平的东亚人民所期待的。
前天，两个中国专家提出“悬而未决的琉球问题也可再议”的观点。在《人民日
报》这种报纸中刊登这类文章，自不免引起争议。那么，琉球问题是不是这些右
翼专家所言是“悬而未决的问题”呢？从历史和法理上看都是否定的。
首先，从历史上看。
琉球在1879年为日本吞并。尽管当时清政府并没有通过条约明确确认这一点，但
琉球本身并非清朝领土，日本吞并琉球在法理上并不需要中国同意。而在当时，
征服是一种主权的合法来源。而事实上，在1879年到1945年之间... 阅读全帖 |
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d******r
发帖数: 16947 | 13 美国司法部 FBI也要介入调查。
这个其实和欧巴马没啥关系，当年洛杉矶骚乱
是老布什把警察送到监狱去的，金还没被打死，
只是录像被打得很惨。
Parcells, who assisted former New York City chief medical examiner Baden
during the private autopsy, said a bullet grazed Brown's right arm. He said
the wound indicates Brown may have had his back to the shooter, or he could
have been facing the shooter with his hands above his head or in a defensive
position across his chest or face.
Police Blame Ferguson Violence on 'Criminals&# … Play Video
Police Blame Ferguson Violence o... 阅读全帖 |
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t********t
发帖数: 1070 | 14 昨天贴了个关于张汤姆证明的帖子，引来几个装逼傻叉的质疑，怀疑老子装逼看不懂，
所以现在我觉得有必要科普一下张汤姆的证明原理。这里强调是原理，不是详细过程，
但这并非是因为我没看懂过程，而是因为张汤姆的文章有56页，要解释清楚每个证明大
概需要两倍的56页。而且，这是个需要大量函数和公式的证明，没有公式将极其难以说
清楚，而本版帖子是没法打公式的。所以，你要是看懂了没有公式的本贴，就知道叔是
如何的牛逼且又是如何的低调，而且也会发现你是多么的牛逼，能看懂张汤姆的素数对
是咋回事。
本贴分两部分，第一部分是给我一样的数论钓丝门外汉看的，第二部分是张汤姆文章导
读。重点是第一部分，如果你看懂了第一部分，那么看第二部分应该象上厕所一样的容
易。而如果你看懂了第二部分，自然会去读张汤姆的原文，那时也就没我什么事了。
不过还是有几个前提条件，一，你得去下载一份张的文章，可以与第二部分对照，原文
网上到处都是。二，如果你想看第二部分或原文，则至少应该对原文page 3 notation
中的概念有所了解，不然会造成写本贴和看本贴的人互骂一声傻逼的严重后果。也就是
你必须对如下概念有所了解，admis... 阅读全帖 |
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h******1
发帖数: 16295 | 15 【 以下文字转载自 Mathematics 讨论区 】
发信人: hsh (三胡), 信区: Mathematics
标 题: 电工科普：张汤姆素数对证明原理 (转载)
发信站: BBS 未名空间站 (Mon Feb 2 12:23:30 2015, 美东)
发信人: threeheart (氷), 信区: Military
标 题: 电工科普：张汤姆素数对证明原理
发信站: BBS 未名空间站 (Sun Feb 1 23:37:08 2015, 美东)
昨天贴了个关于张汤姆证明的帖子，引来几个装逼傻叉的质疑，怀疑老子装逼看不懂，
所以现在我觉得有必要科普一下张汤姆的证明原理。这里强调是原理，不是详细过程，
但这并非是因为我没看懂过程，而是因为张汤姆的文章有56页，要解释清楚每个证明大
概需要两倍的56页。而且，这是个需要大量函数和公式的证明，没有公式将极其难以说
清楚，而本版帖子是没法打公式的。所以，你要是看懂了没有公式的本贴，就知道叔是
如何的牛逼且又是如何的低调，而且也会发现你是多么的牛逼，能看懂张汤姆的素数对
是咋回事。
本贴分两部分，第一部分是给我一样的数论钓丝门外汉... 阅读全帖 |
|
g***j
发帖数: 40861 | 16 Indiana turkeys to be euthanized in new avian influenza outbreak
The U.S. Dept. of Agriculture’s (USDA) Animal and Plant Health Inspection
Service (APHIS) confirmed the presence of highly pathogenic H7N8 avian
influenza (HPAI) in a commercial turkey flock in Dubois County, Indiana, on
January 15. This is a different strain of HPAI than the strains that caused
the 2015 outbreak.
USDA finds pesticide residues do not pose a safety concern
The U.S. Dept. of Agriculture’s (USDA) Agricultural Marketin... 阅读全帖 |
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|
BR
发帖数: 4151 | 18 土鳖的问题在于用法律规定外国国籍优先于本国国籍,中国国籍是个 residual。按国籍
法，绿卡子女有没有中国国籍取决于其出生时是否获得了所在国国籍，如果没有就还是
中国国籍。这就是用中国法律规定一个人是否有中国国籍，首先看外国法律怎么规定，
外国没有说这个人是他们国籍的，我们才认这个人的中国国籍，外国说这个人是他们国
籍的，我们就不敢认。中国就是个residual,剩国，外国人不要的，我们才要。这像是
个所谓泱泱大国、厉害国做的事吗？
都别说什么剩女剩男了。咱整个国家就是个剩国。
更别说单方绿卡子女不是中国国籍，这个绿卡人加入外国国籍后其子女反而是中国国籍
这种荒唐事了。 |
|
BR
发帖数: 4151 | 19 土鳖的问题在于用法律规定外国国籍优先于本国国籍,中国国籍是个 residual。按国籍
法，绿卡子女有没有中国国籍取决于其出生时是否获得了所在国国籍，如果没有就还是
中国国籍。这就是用中国法律规定一个人是否有中国国籍，首先看外国法律怎么规定，
外国没有说这个人是他们国籍的，我们才认这个人的中国国籍，外国说这个人是他们国
籍的，我们就不敢认。中国就是个residual,外国人不要的，我们才要。这像是个所谓
泱泱大国、厉害国做的事吗？
都别说什么剩女剩男了。咱整个国家就是个剩国。
更别说单方绿卡子女不是中国国籍，这个绿卡人加入外国国籍后其子女反而是中国国籍
这种荒唐事了。 |
|
BR
发帖数: 4151 | 20 还得理解剩国，residual 国的真谛。按国籍法，绿卡子女有没有中国国籍取决于其出
生时是否获得了所在国国籍，如果没有就还是中国国籍。这就是用中国法律规定一个人
是否有中国国籍，首先看外国法律怎么规定，外国没有说这个人是他们国籍的，我们才
认这个人的中国国籍，外国说这个人是他们国籍的，我们就不敢认。中国就是个
residual,外国人不要的，我们才要。都别说什么剩女剩男了。咱整个国家就是个剩国。 |
|
BR
发帖数: 4151 | 21 中国国籍法明确向世界宣布中国是个residual国（剩国）。按国籍法，绿卡子女有没有
中国国籍取决于其出生时是否获得了所在国国籍，如果没有就还是中国国籍，有就不是
中国国籍。这就是用中国法律规定一个人是否有中国国籍，首先看外国法律怎么规定，
外国没有说这个人是他们国籍的，我们才认这个人的中国国籍，外国说这个人是他们国
籍的，我们就不敢认。外国人不要的，我们才要，中国就是个大residual。这像是个所
谓泱泱大国、厉害国做的事吗？
都别说什么剩女剩男了，咱整个国家就是个剩国。 |
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W*******n
发帖数: 4140 | 22 Limin Wang
136-09 59th Ave
Flushing, NY 11355
Oct. 1, 2019, Tue
State of New York
Workers’ Compensation Board
PO Box 5205
Binghamton, NY 13902-5205
WCB Case #: G2029240
WC Insurance Carrier Case #: 18D48F512440
Date of Injuries: Jan. 16, 2018
Employer: B.Q. Wide Auto Body Parts Supply, Inc.; KSI Trading Corp; TriNet/
Strategic Outsourcing Inc.
Stated Insurance Carrier: Indemnity Insurance (Co) of North America
Third Party Administrator: Cannon Cochran Management Services, Inc. (CCMSI)
Re: Rebut ... 阅读全帖 |
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O**W
发帖数: 58 | 23 翻译貌似不是完全一句一句对译
原文应该是这一段里面后半段
The phenylalanine (F) at residue 486 in the SARS-CoV-2 S protein corresponds
to L472 in the SARS-CoV Urbani strain. Notably, in SARS-CoV cell culture
experiments the L472 mutates to phenylalanine (L472F)5, which is predicted
to be optimal for binding of the SARS-CoV RBD to the human ACE2 receptor6.
However, a phenylalanine in this position is also present in several SARS-
like CoVs from bats (Figure 1a). While these analyses suggest that SARS-CoV-
2 may be capable of... 阅读全帖 |
|
s**********t
发帖数: 1846 | 24 President Barack Obama and President Hamid Karzai of Afghanistan agreed
after talks at the White House on Friday to slightly speed up the process
that calls for American and other NATO forces to leave that war-torn country
by late 2014. But Obama hedged on the much-discussed possibility of a U.S.
military presence after that benchmark date.
The training of Afghan forces and the battleground successes against
Islamist insurgents have gone well enough to meet NATO-set withdrawal goals
and “acceler... 阅读全帖 |
|
h*********r
发帖数: 10182 | 25 Facts are:
video clearly shows
1.he has no bloody nose,
2.no cut or bruise on the back of his head.
3.There is no blood on any of his cloth. If martin is on top of him and he
shots from below, it is impossible to not have any blood on this cloth.
4.There is no gun residue on his gun. If he fires his gun in close range,
there must be gun residue on his gun.
According to funeral home owner who tended martin's corpse.
5.There is not any sign on martin's hand to suggest that he punched
zimmerman rep... 阅读全帖 |
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m**i
发帖数: 9848 | 26 中产被各种其他的诉求分化了，形不成一个阶级。
而且中产本身就是一个定义很模糊的概念，一个社会，刨去穷人，刨去富人，剩下的
residuals就是中产，所以中产再怎么折腾也就是个residuals，政客们倒不如去照顾那
些诉求很明确的团体。 |
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m**i
发帖数: 9848 | 27 中产本身就不是一个阶级。一个社会，除去富人，除去穷人，余下的residual就起个名
字，叫中产。residual, 乌合之众。 |
|
l****z
发帖数: 29846 | 28 Lab tests show gunshot residue on Vonderrit Myers
October 14, 2014 - 4:33 PM
Associated Press
ST. LOUIS (AP) — Lab tests by the Missouri State Highway Patrol show
gunshot residue was on the hand, waistband and shirt of an 18-year-old
killed by a St. Louis police officer.
St. Louis police announced the test results Tuesday. Police union leaders
say it dispels any claims that Vonderrit Myers didn't shoot at the officer
in the Oct. 8 confrontation.
Relatives of Myers have said he was unarmed. Myers... 阅读全帖 |
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U*E
发帖数: 3620 | 29 发信人: wayofflying (小破熊), 信区: Military
标 题: 冷汗：揭露转基因大豆油对人类健康造成危害或“潜在危害”
发信站: BBS 未名空间站 (Fri Jul 29 23:55:48 2011, 美东)
揭露抗草甘膦转基因大豆油对人类健康造成危害或“潜在危害”
作者：陈一文 更新时间：2011-7-29
陈一文：抗草甘膦转基因大豆油草甘膦残留量严重危害健康
http://blog.sina.com.cn/s/blog_4bb17e9d0102dr58.html
印度德里的Shiram实验室对除胶后的转基因大豆粗油、精炼油及其副产品检测草
甘膦残留量发现：不同的转基因大豆油发现草甘膦残留量差别较大为0.197-0.350mg/kg
，还发现：精炼油中的草甘膦残留量高于粗油。大豆油允许的草甘膦“最高允许残留量
”: 0.05mg/kg。卫生部2005年《国家标准食品中农药最大残留限量GB2763-2005》对对
棉籽油规定的“最大残留限量”规定为0.05mg/kg，与俄罗斯对大豆草甘膦残留量标准
一致。中国对大豆油没有规定草甘膦最大残留限量，应当认为是大豆油中不... 阅读全帖 |
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d******g
发帖数: 6966 | 30 audi的residual value设的太低...lease太贵。。。估计是买合算。。具体要看利率了
bmw的residual value设的非常高..特别是1,x5,x6,m3 convt...如果mf不特别离谱。。
基本上
肯定是lease合算。。。当然首先你是适合lease的人。。比如喜欢三年换车之类的 |
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d******g
发帖数: 6966 | 31 也取决于lease term里面的residual value。。。像现在bmw这样随随便便假设3年都是
6x%以上
的。。我看真实情况下的residual value没那么高.. ...
所以很有
可能是lease 便宜 |
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a*****r
发帖数: 681 | 32 glk 35k otd 只能买辆两驱，无天窗的白车或黑车，加天窗1700，其他颜色+700，加四
驱，2000，除非增加5k的budget到4万，勉强来辆两驱加package1.如果finance的话和c
的monthly pay 差不多，如果lease的话，厂家设定的glk的56%的residual value 相对
低了，没有c的58%到60%的residual value划算。 |
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d******g
发帖数: 6966 | 33 我看你是bmw俱乐部的。。那么就是我假设你是开bimmer的。。下次搞的时候研究一下
bmw的lease
program...bmw的lease program可以说是最倾向于lease之一了。。什么m3 convt 36m
residual 63%之类的。。然后这个月的27m lease speciall看看那些巨高无比的residual特别
是考虑到e90/e92两三年之后都是老一代产品...怎么想都是lease合算。。同样27m/三年换的话 |
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R******k
发帖数: 357 | 34 我看到板上说
lease cost=买价-residual value+利息
我担心就是出了车祸以后，还车时候dealer那里算的residual value变低了。。 |
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k*****u
发帖数: 14053 | 35 ☆─────────────────────────────────────☆
RedClock (红钟就是红色的钟) 于 (Thu May 19 13:32:58 2011, 美东) 提到:
新手想lease车，不知道如果出了车祸，在还给dealer的时候，是不是要多付赔偿的钱
呢？
☆─────────────────────────────────────☆
iMaJia (iMac,iPod,iPad,i馬甲) 于 (Thu May 19 13:45:30 2011, 美东) 提到:
insruance
☆─────────────────────────────────────☆
RedClock (红钟就是红色的钟) 于 (Thu May 19 13:50:53 2011, 美东) 提到:
肯定买insurance修车了，但是想到出过车祸的车有记录，dealer再卖的时候估计要折
价了，不知道到时候dealer会不会把这个钱算到我的头上，在我还车的时候，要我赔偿。
☆─────────────────────────────────────☆... 阅读全帖 |
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k********a
发帖数: 7225 | 36 Dealer最新报价:
Here is the lease comparison of the in stock 2011 vs. an ordered base model
2012. The residuals of the 2012 will be lower as it is earlier on in the
model year, thus resulting in a higher payment comparably:
*********
MINI # 1--2011 MINI Cooper--in stock
*********
Laser Blue Metallic
White Roof and mirrors
White Bonnet Stripes
Automatic Transmission
Premium Package
*Sunroof
*auto a/c
*harman/kardon sound system
Bluetooth Phone/USB iPod Adapter
$24,550--MSRP
36 months / 12,000 miles p... 阅读全帖 |
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k********a
发帖数: 7225 | 37 2011 Mini Cooper S,自动，加premium package（天窗，音响，自动空调）和ipod、蓝
牙接口，巧克力色。原价27700，dealer自己在网页上降到26182。然后还有599的doc，
725的MINI Financial's acquisition fee，还有100来块钱的title什么的。
我大概用10000迈一年的lease，总共36个月。Dealer给我60% residual value和0.
00180的money factor。查了edmund，好像这都是S lease能拿到的最好的了。Down2500
，每个月354。
我跟dealer说，see if you can make my monthly payment below 320, otherwise I
may consider to get a Mini Cooper. 丫给我发来一个Down3500的还款计划，说这样
就差不多了。。。姐姐我只好问，How much can you lower the price to get to my
monthly payment rang... 阅读全帖 |
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b***t
发帖数: 1104 | 38 discuss sale price and make sure the money factor and residual value are
the current offering
monthly payment can be calculated by sale price, MF, residual and MSRP |
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n*******e
发帖数: 4894 | 39 恩，lease的话要做些research的。一般是你要付cap cost - residual，再乘以一个系
数 money factor，就是APR，然后除以term，比如36个月，就是你的每月要付的。
我觉得就算要买，lease完之后买也可以。我是一个月316+tax，36个月一共要掏12000多
一点，加上residual 17000多，差不多29500，就算是买车finance，3年下来，利息也差
不多了。 |
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l*********0
发帖数: 2508 | 40 对leasing有些兴趣，专门查了一下，抛砖引玉，如有说得不对的请楼下指正：
lz的第二个问题：“如果lease完keep住，这样算下来比直接financing买要贵吗？”
这个问题是我，也应该是很多人最关心的一个问题，根据我从网上得来的信息，我的答
案是：贵！而且贵不少！
1.leasing比financing要多付一个“acquisition fee”也叫bank fees，这是lease
company收的，跟dealer没多大关系，免不掉的，大概$750，车出门之前一次性交付;
2.leasing比financing要多付一个“Rent / Finance charge”，这个是我以前不知道
的，以前我以为customer主要支付车辆在lease期间贬值的那部分就可以了，原来这个
Rent payment也是个大头，是用来补偿lease company把新车借给你开所带来的风险以
及购车款不能及时回笼所带来的投资损失的；
Rent / Finance Charge = (Net Cap Cost + Residual Value) x Money Factor x
Lease ... 阅读全帖 |
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p********0
发帖数: 89 | 41 Total Monthly Payment = Depreciation Fee + Finance Fee
Depreciation Fee = ( Net Cap Cost – Residual ) ÷ Term
Finance Fee = ( Net Cap Cost + Residual ) × Money Factor
就BMW而言,一般可以拿到Net cap cost=93% MSRP+acquisition fee+dealer cost+title license fee-any conquest/incentives. 做7个security deposit可以降低利率.
如果三年后到期,一般还可以再和dealer做个还价, 还能升2k左右(328i).
bimmerfest.com 有讨论. |
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p********0
发帖数: 89 | 42 it is my bad.
Finance Fee = ( Net Cap Cost + Residual ) × Money Factor
Technically, you're paying finance charges on half the depreciation (the
average value) and all of the residual for the term of the lease.
If you buy with finance, you still have to pay finance charge for the cap
cost.
率. |
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g********d
发帖数: 19244 | 43 Residual Value != resale value
high residual value means low monthly lease payment |
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r*****g
发帖数: 9999 | 44 咬文嚼字了，说的好像audi赔本赚吆喝一样。
ALG's Residual Value Awards honor the vehicles in each segment that are
predicted to retain the highest percentage off their MSRP after a
conventional three-year period.
"Residual value is a great indicator of brand strength which in turn
contributes to greater sales and profitability," said Raj Sundaram for ALG.
"We have seen a strong focus this year on producing high-quality products
with great pricing and packaging delivering real value for vehicle buyers." |
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r*****g
发帖数: 9999 | 45 lease完了以后车去哪里了？lease的residual value是dealer拍脑袋出来的？residual
value和resale value是什么关系？ |
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S******4
发帖数: 2865 | 46 I think you guys are wrong and OP is right.
For example Audi S5 and A6 lease residual is terrible (51-55%)... while BMW
is known to lose money on lease deal and have artificial high residual
values to attract young customers, who can't afford to buy the whole car
otherwise.
But if you look at used car market, used S5 price is really high. I can't
even find one actually. |
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S******4
发帖数: 2865 | 47 (1) Contact your lease company and buy mileage now. They usually offer it at
a much cheaper price than the penalty you have to pay at the lease end.
What's your car? For BMW and Audi, normally it's around 15-20 cents per mile
, which is not too bad.
(2) You can try to negotiate the buy-out price with the leasing company. Go
to car forums to see how much people paid for their buy-out. If your car has
a high residual, it's easier for you to negotiate as the car might not
worth that much.
For examp... 阅读全帖 |
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P***0
发帖数: 368 | 48 .... 3 yrs ... still new car?
if you priced right, every car can be sold.
for some make/model, yet it will drop more than 50% from MSRP. Just a
illustration:
Cadillac lease residual is about 40% in 3 yrs.
Many BMWs lease residual is about 50-60% in 3 years and Benz/Volvo are lower.
Will your car price drop more than 50%?
-- That depends on how much you cut from MSRP when you buy the car. |
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P***0
发帖数: 368 | 49 first of all, that lease program translate to $22658 or similar selling
price. You could pay the car at MSRP 21450 I think but I am not familiar
with mini. The only question is whether you are satisfied with this selling
price. Nevertheless lease starts with the selling price, like buying a new
car.
the residual for cooper is pretty high (in your case 68% MSRP). You could
check with 30m, 33m, 48m or 10k/m 15k/m program to see the residual and
money factor (instead of standard 12k/m, 36m term... 阅读全帖 |
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w*****n
发帖数: 42 | 50
你怎么算汽车贬值？按多少年Depreciation，最后Residue Value 是多少。我的FORD
Fusion，开了五年，维修总共是一千九百。所以一年是380刀左右。准备开到二十万迈
，也就是八年。 Residue 估计是五百。买得时候是两万刀。按straight line
depreciation，每年使两千四百三十八刀。加起来是每年两千八左右吧。 |
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