Lease Or Buy

A simple guide to a smarter strategy for the individual investor A Wealth of Common Sense sheds a refreshing light on investing, and shows you how a simplicity-based framework can lead to better investment decisions. The financial market is a complex system, but that doesn't mean it requires a complex strategy; in fact, this false premise is the driving force behind many investors' market "mistakes." Information is important, but understanding and perspective are the keys to better decision-making. This book describes the proper way to view the markets and your portfolio, and show you the simple strategies that make investing more profitable, less confusing, and less time-consuming. Without the burden of short-term performance benchmarks, individual investors have the advantage of focusing on the long view, and the freedom to construct the kind of portfolio that will serve their investment goals best. This book proves how complex strategies essentially waste these advantages, and provides an alternative game plan for those ready to simplify. Complexity is often used as a mechanism for talking investors into unnecessary purchases, when all most need is a deeper understanding of conventional options. This book explains which issues you actually should pay attention to, and which ones are simply used for an illusion of intelligence and control. Keep up with—or beat—professional money managers Exploit stock market volatility to your utmost advantage Learn where advisors and consultants fit into smart strategy Build a portfolio that makes sense for your particular situation You don't have to outsmart the market if you can simply outperform it. Cut through the confusion and noise and focus on what actually matters. A Wealth of Common Sense clears the air, and gives you the insight you need to become a smarter, more successful investor.

Outlines the benefits of leasing, examines different types of leasing arrangements, and discusses the tax considerations

Vehicle leasing is one of the most cost-effective ways of solving transportation needs in Canada. Still, it doesn’t mean everybody does it right. It took more than 15 years to gather all the information provided in this book. It is a guide that will help anyone to confidently sign and satisfy his/her transportation needs with a lease contract. You will learn to easily understand the numbers. How to sign a contract that gives you peace of mind. How to transfer your lease without affecting your credit. You will learn the right way of leasing a car you can afford without hurting your finances. And many more other tips for your insurance, warranty, saving money and time. This book is divided into three main parts: Vehicle Leasing Basics, Lease Transfer & Takeover, and Car Leasing Statistics in Canada. If you are new to car leasing (or financing) or just want to get rid of all those doubts you may have regarding a vehicle purchase, Part One: Vehicle Leasing Basics, is a must-read. You will learn to understand all the way down from pricing, kilometers (km), term, agreement and all other factors that define a lease contract. You will come to understand these all in a way that won’t make getting your next car a big deal. Simply put, leasing a vehicle will seem like the regular transaction it was always supposed to be. Additionally, you will learn about the coverage products that come along with your car. Those designed to cover the “unexpected” and give you peace of mind. Scratches, dents, and damage will always happen because your vehicle (and others) are on the go. It was designed and expected to receive damage, wear, and depreciation. You just need to be prepared for it! Next, in Part Two: Lease Transfer & Takeover, you will learn the perks of one of the most important components of a lease contract: the opportunity to terminate your contract by giving it away to someone else. You will learn about the process, the benefits, and the costs of doing this. Although we can all estimate how long we might need a car, life will always throw surprises at us and our loved ones: a newborn, a new work vehicle, new routes to a new office, downsizing, or any other major life change. After operating the LeaseCosts™ Lease Takeover Marketplace for years, I’ve learned so many things that would love to share with you here, from both the buyer and the seller perspective. And Part Three: Car Leasing Statistics in Canada, will give you a lot of new insights on how we Canadians consume our vehicles. You will also get a look into a deep 15-year study that involves over 23,000 vehicle leasing contracts cross-country that will help you understand things like: - How much Canadians pay per month on average on a car lease. - The average for each specific car make. - The most popular leasing terms by manufacturer. - The average down payment for Volkswagen, Audi, KIA, etc. and how many people make a down payment. - How many people actually take the Wear & Tear coverage [LA1] [JD2] and how it can impact on future unexpected events. - The kind of average payment you should expect for high-end vehicles compared to mass-market ones. - How much you should offer as an incentive if you need to transfer your lease. After finishing all three parts, you will walk away with a solid understanding of how car leasing works in Canada – and I guarantee that you will feel prepared and confident when considering and signing your new car lease.

With lease options and subject-to deals, investors can control properties worth much more than what they could normally afford to purchase. The potential for profit is great and the costs of getting started are low. This book shows novice investors how author Wendy Patton and thousands of other Americans--including well-known real estate developers and business moguls--use lease options and subject-to deals to control valuable property without necessarily owning it. The cost of purchasing an option or subject-to deal is a fraction of what it costs to buy a home. That's why these kinds of deals are typically found in every serious investor's portfolio. Sharing the secrets and strategies investors use to profit from low- and no-money-down deals, Patton gives investors all the information they need to succeed. "Finally, a book that explains lease option and subject-to deals in depth and detail. This book is essential for anyone who wants to make money in real estate without using a lot of cash or taking on a lot of risk. A gold mine of great information." --Robert Shemin, New York Times bestselling author of Secrets of Buying and Selling Real Estate?Without Using Your Own Money! "Few can rival Wendy's knowledge and experience with lease option and subject-to deals. This is a must-read for beginning and advanced investors and the real estate agents who serve them." --Gary Keller, New York Times bestselling author of The Millionaire Real Estate Investor "The techniques Patton teaches here are invaluable--especially for working with Realtors and still getting properties for little- or no-money-down. The detail in this book will make you want to read every page." --Albert Lowry, PhD, New York Times bestselling author of How You Can Become Financially Independent by Investing in Real Estate

Adopt the investment strategy that turned a school teacher into a millionaire Millionaire Teacher shows you how to achieve financial independence through smart investing — without being a financial wizard. Author Andrew Hallam was a high school English teacher. He became a debt-free millionaire by following a few simple rules. In this book, he teaches you the financial fundamentals you need to follow in his tracks. You can spend just an hour per year on your investments, never think about the stock market's direction — and still beat most professional investors. It's not about get-rich-quick schemes or trendy investment products peddled by an ever-widening, self-serving industry; it's about your money and your future. This new second edition features updated discussion on passive investing, studies on dollar cost averaging versus lump sum investing, and a detailed segment on RoboAdvisors for Americans, Canadians, Australians, Singaporeans and British investors. Financial literacy is rarely taught in schools. Were you shortchanged by your education system? This book is your solution, teaching you the ABCs of finance to help you build wealth. Gain the financial literacy to make smart investment decisions Learn why you should invest in index funds Find out how to find the right kind of financial advisor Avoid scams and flash-in-the-pan trends Millionaire Teacher shows how to build a strong financial future today.

There are definitely some inside secrets you must know before setting out to shop for a new car, especially if you are a woman. Armed with the information in this book, you will have enough knowledge to confidently go after the vehicle you want, and buy it at the best possible price -- on your terms! With years of experience in the retail automobile industry, Ms. Lyle reveals her secrets for not getting hung out to dry by this cutthroat industry. PK Lyle spent 13 years learning the material she needed to write this book. Tired of watching good, innocent people being parted unnecessarily from their hard-earned money, she decided to "go public" in an effort to stop the "slaughter." Her candid and savvy consumer tips are presented in a lucid, easy to understand, and refreshing manner.

Negotiate commercial leases and renewals like a pro Renting space for businesses and navigating a commercial lease can be a daunting task for those without expertise, as errors or oversights can cost thousands of dollars. Thankfully, Negotiating Commercial Leases & Renewals For Dummies takes the mystery out of the commercial leasing process and offers expert tips and advice to help small business owners successfully negotiate their leases???without losing their cool, or their cash. From one of the industry's most respected and experienced consultants, Negotiating Commercial Leases & Renewals For Dummies provides tenants with tips and advice on finding the best location and amenities for a business; understanding space needs and maximizing lease space; ensuring fair operating costs and keeping rent fees at a manageable level; minimizing the deposit requirement; mastering and executing negotiation strategies and tactics; and much more. Discover the rights and responsibilities associated with commercial leases Find out how much negotiability and flexibility you can expect in commercial leases and renewals Get to know which laws protect you and your business Negotiating Commercial Leases For Dummies is essential reading for the more than 10 million business owners, entrepreneurs, retailers, restaurants, doctors, and franchise tenants who lease commercial, office, and retail space across North America.