Wispy2891

I have a dedicated button for em dashes on my keyboard /s

And also that the car dealer takes a way fatter commission on a lease (commissions on insurances, commission on the extended warranty) so (at least here in my country) sometimes they “accidentally” incorrectly fill the request form with “wrong” data (like higher income, different employment status and so on)

They seems better, never heard them before, not a thing in my country

for cars it makes sense only if you really need to have a new vehicle every 3 years and you really need to have an all inclusive insurance that covers everything

otherwise you save thousands by taking a loan, get limited liability insurance, then sell it after 5-6 years

although the absolute savings (for a newish vehicle and not a shitbox) is to get a used one ex-leasing (max 3 years old, low mileage, all maintenance made correctly because the leasing company paid for it) then sell it after 3-4 years (or keep it until it becames a shitbox)

Leasing is not renting

For tech stuff basically a financial entity buys the goods for you at full MSRP (they calculate a almost 100% depreciation over the term), then you pay that full price + interest over 48/60 installments, and when you’re done, they take the goods back and sell it back via some liquidator.

And because the financial entity bought the stuff for you especially to lease it, you’re contractually obligated to pay until the end of the contract, can’t just get it for a month and then be done with it

You paid $1200 to use something worth $900 for four years and then it’s not yours

Unless you’re a business and the accountant says that’s better for taxes, leasing something doesn’t make sense