<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"><head><meta http-equiv=Content-Type content="text/html; charset=utf-8"><meta name=Generator content="Microsoft Word 12 (filtered medium)"><style></style></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>To each his own but I like to pay cash myself. $2,000 down for starters goes along way towards a nice down payment on good used vehicle and they are around, it just takes a little looking to find one. We have to pay for the tires etc., on our own cars.. No difference there. 35 x $256 a month = $8,960. Plus $2,000 = $10,960 plus oil changes, plus tires, plus brakes plus…. That’s a lot of repairs. </span><span style='font-size:11.0pt;font-family:Wingdings;color:#1F497D'>J</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> That’s how I look at it anyway. </span><span style='font-size:11.0pt;font-family:Wingdings;color:#1F497D'>J</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>I bought a nice Caddy that was in (still is) excellent condition with less than 80,000 on it, literally showroom condition, engine and all with a boat load of paper work, tire changes, oil changes to go along with it for $5,000 less than 2 years ago. It’s a 1997. Who cares for that price, I don’t. You’d never know it to look at it either. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Now, I have close to $120,000 on it but, no serious issues at all so far. Gas mileage is 28-32 on the highway on long trips. 18-24 in the city, on average (depends on how many times I floor it) and it goes like a scared rabbit if I want it too… Depends on what a person wants but, that’s my preference. I’m a big guy, I like the bigger cars. </span><span style='font-size:11.0pt;font-family:Wingdings;color:#1F497D'>J</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>I deduct mileage at I think it’s .58¢ a mile, (?) that = $7,000 a year for me as an average deduction on 25,000 miles every single year. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Dave Ramsey doesn’t recommend “fleeces.” </span><span style='font-size:11.0pt;font-family:Wingdings;color:#1F497D'>J</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Jer <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] <b>On Behalf Of </b>Tom Driscoll<br><b>Sent:</b> Monday, November 07, 2011 4:38 PM<br><b>To:</b> pianotech@ptg.org<br><b>Subject:</b> Re: [pianotech] vehicle lease<o:p></o:p></span></p></div><p class=MsoNormal><o:p> </o:p></p><div><div><p class=MsoNormal><span style='font-size:7.0pt;font-family:"Arial","sans-serif";color:black'> List,<br>i just checked my mileage and I drove 12 k miles last year and  I could cut down on the mileage with some discipline.One quote received was for 15,000 miles per year. They want  $ 2000 down (hopefully that's my trade in value). which includes the first payment and all the misc. charges and fees , then 35 payments @ $256 per month. <br>The Kia soul has a ten year- 100.000 mile  bumper to bumper on all the big stuff. I'm responsible for oil change, tires ,batteries brakes etc. The fuel economy will be 10 MPG better.<br>Food for thought and any input appreciated of course.<br> Tom D.<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:7.0pt;font-family:"Arial","sans-serif";color:black'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:7.0pt;font-family:"Arial","sans-serif";color:black'> <o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:7.0pt;font-family:"Arial","sans-serif";color:black'>On 11/07/11, Gerald Groot<tunerboy3@comcast.net> wrote:<o:p></o:p></span></p><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>I drive 25,000 + miles a year so leasing isn’t practical for me either.  Too costly for the additional mileage.  Most only allow 12,000, some, up to 15,000 miles a year.  </span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='color:black'><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Jer</span><span style='color:black'><o:p></o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:black'> <a href="mailto:pianotech-bounces@ptg.org" target="_blank">pianotech-bounces@ptg.org</a> [<a href="mailto:pianotech-bounces@ptg.org" target="_blank">mailto:pianotech-bounces@ptg.org</a>] <b>On Behalf Of </b>John Ross<br><b>Sent:</b> Monday, November 07, 2011 3:04 PM<br><b>To:</b> <a href="mailto:pianotech@ptg.org" target="_blank">pianotech@ptg.org</a><br><b>Subject:</b> Re: [pianotech] vehicle lease</span><span style='color:black'><o:p></o:p></span></p></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'>Depends on your mileage.<o:p></o:p></span></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'>Lease price is 100% deductible, assuming business vehicle. Otherwise just depreciation, and interest on the loan is deductible.<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'>A lease didn't make sense in my situation, as there was a premium for the extra kilometres/miles I needed to drive.<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'>With a purchase, you may have some years free of payments, not possible with a lease.<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'>Things down there may be different.<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'>John Ross<o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'>Windsor, Nova Scotia<o:p></o:p></span></p><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'>On 07-11-2011, at 3:44 PM, Tom Driscoll wrote:<o:p></o:p></span></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt'><span style='color:black'><o:p> </o:p></span></p><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>List,</span><span style='color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>  Anyone out there lease their service vehicle ?</span><span style='color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>My Hyundai Santafe has been great but it's bigger than I need and I'm at the tipping point so to speak. That is big $ repairs on the horizon.</span><span style='color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> I'm thinking about a fuel efficient little wagon --Kia soul, nissan cube. Chevy  whatever it it's called.</span><span style='color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> Any way your collective thoughts, experiences appreciated.</span><span style='color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> Tom Driscoll</span><span style='color:black'><o:p></o:p></span></p></div></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='color:black'> <o:p></o:p></span></p></div></div></div></div></div></body></html>