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Old 02-13-2013, 02:51 PM   #26
Badler
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Member#: 133597
Join Date: Nov 2006
Chapter/Region: SCIC
Location: Orange
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Originally Posted by WRXLTD View Post
I don't think so...depends mostly on the type/cost of the car. I could see leasing a cheap Honda Civic, but not an expensive STI.

Too many people lease cars for all the wrong reasons...the main one is since they could never afford to buy such a vehicle, they lease it and end up paying more for those first 2 or 3 years of ownership compared to if they'd had bought it...plus the mileage and/or "condition" penalties...all of which can exceed the initial vehicle depreciation.
You can finance something you can't afford too? I didn't say always. Once again, there are plenty of reasons for SOME PEOPLE leasing/financing a vehicle makes more sense.

If you have a low enough interest rate it makes more sense to keep the capital tied into investments/accounts that see returns.
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Old 02-13-2013, 03:54 PM   #27
SW21MR2
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Member#: 60135
Join Date: Apr 2004
Location: California
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2005 Kona Stink-E
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Originally Posted by Mr Wrex View Post
We can't give you an estimate. Contact subaru if you want your estimate. In the mean time....

IBTL
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ibtl.
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Old 02-13-2013, 04:01 PM   #28
Swpsti2013
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Chapter/Region: Tri-State
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2013 Sti ltd
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0 down on my STI financed with credit union at 1.95% 656 a month
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Old 02-13-2013, 04:23 PM   #29
Jack
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Location: Hopkinton, MA
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Originally Posted by Badler View Post
If you have a low enough interest rate it makes more sense to keep the capital tied into investments/accounts that see returns.
Say the interest rate is 2%.

Name me an investment that I can see better than that, thus justifying the lease/finance? Keep in mind that I'll be taxed at about 33%, so I need to have a return of 3% guaranteed to just break even. So let's put it at 4% so I can walk away with almost 1%. So where might that guaranteed return place be?
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Old 02-13-2013, 06:03 PM   #30
Cocoa Beach Bum
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Originally Posted by Jack ffr1846 View Post
Say the interest rate is 2%.

Name me an investment that I can see better than that, thus justifying the lease/finance? Keep in mind that I'll be taxed at about 33%, so I need to have a return of 3% guaranteed to just break even. So let's put it at 4% so I can walk away with almost 1%. So where might that guaranteed return place be?
Zero-coupon munis. Hold to maturity.
http://online.wsj.com/article/SB1000...053339880.html
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According to one measure from Barclays, zeroes yield about 3.4% compared with about 2.1% for municipal bonds overall.
Exempt from Federal income tax, but not necessarily AMT.
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