When looked at long-term, leasing costs more than buying. However, when comparing two short-term periods, leasing may not look too bad (because the huge depreciation expense of the first two years makes both expensive). And in some cases, mostly those with large manufacturer subsidies, leasing might even be cheaper. Here’s how to do a short-term comparison using a “typical” price, residual, interest rate, and wholesale value:
We’ll compare lease and loan payments on a $20,000 car, no down payment, both at 8% APR. The terms will be 3 years on the lease and 5 years on the loan, with the loan terminated—and the car sold—at the end of 3 years. (Why use a 5-year term on the loan? Because that’s the term that most people choose when they’re buying. Plus, on a 3-year lease, you’ll pay almost as much interest as you would on a 5-year loan, so the two are very similar in total costs.)
In our example, monthly lease payments would be $378 and loan payments would be $406, a difference of only $28. On the loan, you would owe $8,966 at the end of 3 years, and the car
would be worth at least $10,000 to $11,000 wholesale— more if you sold it yourself.
The extra $28 per month that the loan costs over the lease adds up to $1,008 over 3 years, which would cancel out most (or all) of the profit if you sold the car at the end o 3 years. (If you got more than $10,000 for the car, the purchase would come out ahead of the lease, otherwise I L’s about even.) Factor in lease expenses of $450-800 for acquisition/disposition fees, and the scales might tip in favor of the conventional purchase.
How can you get a short-term lease that’s cheaper than a purchase? Find one with a subsidized residual and interest rate: Looking at Table 8, notice that a four-point residual increase saves $20 per month on the 3-year lease example, and Table 3 shows a savings of $25 per month I rom a two-point APR discount. The combined savings 1mm those subsidies would be $1,620 over 3 years, making the lease a lot more attractive.

All of those terms and promises were nothing but smoke. Very few people who lease (from Ford or anyone else) ever have “equity” at the end of a lease, because residuals are usually set higher than the actual wholesale values. Over 75% of all new-car leases end with the customer giving the car back to the dealer and not receiving any real money or credit towards another vehicle. Even in cases where a “credit” is given, it’s usually just “funny money” that disappears in another lease containing overcharges.
The few exceptions involve leases that are a bad deal to begin with because the monthly payments are set outrageously high using a low residual. And in a few rare cases, some customers have ended up with a vehicle that’s worth more than the residual because the lender accidentally set the residual too low. But that doesn’t happen very often, and Ford knows it.
Customers are not told that the “Guaranteed Future Value” used in most Ford leases is based on an unrealistic estimate of future wholesale values, which means that there won’t be any real equity at the end of a lease.
A recent article in Automotive News contained a good illustration of Ford’s “inflated residuals.” The article told of a pilot program at Ford’s Lincoln-Mercury Division that allows dealers to purchase off-lease Lincolns for less than the residual amounts. According to Automotive News , late-model Lincolns were selling at auction for $1,000 to $5,000 below anticipated residual values, and the company wanted to keep the cars out of the auctions.
However, the article said that dealers weren’t interested in buying off-lease vehicles from Lincoln because they could buy the same cars at auction for as much as $1,500 below the company’s discounted price. A company official confirmed that their dealers preferred to buy through auctions.

Monthly payments on a lease should be a lot lower than payments on a loan, since less principal (equity) is being paid off during the whole term. However, Ford salespeople were taught to quote Plan payments that were only a little lower than 48-month loan payments. This was done to secretly raise the effective price of the car to a higher amount than the one shown on the worksheet— and no one would ever notice.
According to salesmen who attended the training, they were taught how to use the “Comparison Example” worksheets to secretly inflate prices and steal customers’ down payments. Notes taken during a training seminar show exactly how this was done.
The instructor told them to use the same selling price, down payment, and balance on both sides of the worksheet—under “Conventional” and “Half-A-Car Way.” Then they were told to write down the conventional loan payment on the left, showing a payment on the right for the Half-A-Car Plan that was about $50 lower. However, the payment on the Plan side was actually the proper payment for a “zero-down” lease, so the cap cost was being secretly increased to cancel out the effect of the down payment.
What they had been taught was a perfect example of the “disappearing down payment” trick. And since they were being taught to lie about the selling price, they were teaching salespeople to commit fraud.

As an employer i did provide my employee the uniform that they can use as they work on my company. The kind of uniform that they can use as the protection while they are working. But this year I wanted to give them a tshirt with the company logo on the coming companies anniversary.

It will serve as their uniform and passes as they enter on the location of the celebration as well as serve as the give away for them for that anniversary. The site that I had found that offer the blank t-shirts gave that idea. I found their site while I reading some post of some businessman like me, who thought of having new uniform and identity to their employee. There are those business man who did buy the blank t shirt for wholesale that they can give to their regular customer every Lenten season. After reading their story, I did thought of ordering the t shirts wholesale and printed it out with the company logo and name as the identification that they are an employee also the reason for the celebration which is the anniversary. Visiting their site gave me more idea about the quality of the shirt as well as the prices of the tshirt.

The “first turn” in speech preparation is deciding on a good topic that fits both you and your audience.
Fortunately, there are some good ways to meet this challenge.
Your “second turn” will be to develop a clear sense of purpose for your speech.
Your “third turn” is to expand your knowledge so that you can make a responsible presentation. Negotiate these turns.
Selecting your topic, determining your purpose, and acquiring responsible knowledge form. “Major Steps in the Preparation of a Speech.”
But for now, back to that first turn. What is a good topic? It is one that involves you, that allows you to express something that is important to you, and/or that explores something that fascinates you. It should also enrich the lives of your listeners by providing them with useful information or advice. Finally, a good topic is one that you can speak about responsibly, given the lime allowed for your speech and the preparation time available.

If you are working at or attending trade shows, you’re going to go back to your room with sacks of brochures and sales materials. These are mostly clutter. I try to pick up as little as possible and pitch what I get foisted on me before I leave the floor. There never seems to be enough trash cans at these shows, so I leave a pile of them by the front door There are people who are paid to clean up. Let them earn their keep.

Back in the room, I immediately pitch the fancy folders and pretty brochures. All I keep are fact sheets and really pertinent data. Gifts like mouse pads, and t-shirts. I leave for the maid with a note and a tip. Business
cards should be entered into your contact manager right away, but nobody does that. At least keep them together with note scribbled on the back as to who the person was (use your dominant learning skills to describe them) and date the cards.

Carry a notebook or your PDA and take notes when you’re talking to people at the trade show booths. Put business cards into a plastic card holder with clear pages. I found that a three-ring binder with several clear plastic pages was perfect for the little useful information I needed to collect. For the rest of the year, I referred back to that binder and always found what I was looking for. Make an index as you go. You can clean it up later.

If you have one of those really nice, lightweight, useful with advance technology, expensive laptop carry cases with lots of foam padding, pitch the padding. It only adds weight and takes up space. But is one way of being over protected with an expensive things, they are overkill. Always to be sure to carry your Windows start up disk. You probably don’t need many program disks, that you usually thought that you needed but make sure of that before you leave. Mapping programs are usually happier if they can find the maps. Put CD’s into the newer, thin jewel cases. What a wonderful invention. Once again, use your detailed checklist for computer gear you’ll need.
Having what you need and makes you comfortable is not clutter. Working on the road is tough enough without having to adapt to cramped workspaces. I like a trackball and hate touch pads. For me, it is worth the extra space to carry a trackball. There are some tiny ones made for laptops, but I never could get used to them. Be sure to have a long (25 feet) telephone cord, with a double connection on one end. You may want to work on your balcony, or on the bed instead of a teeny-tiny desk. A 12-foot extension cord will give you plenty of freedom. Be sure to have some blank floppy disks or CD’s, depending on whether your laptop still has a floppy drive or a CD-burner. If you need to print, there are some really nice, small printers today that will fit in your laptop case if you get rid of the extra padding. And, yes, that extra battery takes up space and weight, but can be a lifesaver. Whatever you think you’ll need, put it on the list. Then check it off if you never use it.

As you practice, imagine your audience in front of you. Begin practicing from your full outline, then move gradually to your key word outline as the other becomes imprinted in your mind. Maintain eye contact with your imaginary listeners, just as you will during the actual presentation. Look around the room so that everyone feels included in your message. Try to be enthusiastics about what you are saying. Let your voice suggest that you are confident. Strive for variety and color in your vocal presentation avoid speaking a monotone, which never changes pace or pitch, Pause to let important ideas sink in. Let your face, body, and voice respond to your ideas as you utter them.

Speech classroom often have a speaker’s lectern mounted on a table at the front of the room. Lecterns can seem very formal and can create a barrier between you and your listeners. Therefore, if you are attempting to build identification and good feelings, standing behing the lectern may be inappropriate. Moreover, short people can almost disappear behind a lectern. Because their gestures are hidden from view, their messages lose much of the reinforcing power of body language. For these reasons, when you practice you may wish to experiment with speaking from the side of the lectern or in front of it.

If you plan to use the lectern, place your outline high on its surface so that you do not have to noticeably lower your head to look at it. That way, you reduce the loss of direct eye contact with your listeners. Print your key word outline in large letters that you can read easily with a glance. If you are using note cards, don’t try to hide them or look embarrassed if you need to refer to them. Most listeners probably won’t even notice it when you use them. Remember, your audience is far more interested in what you have to say than in any awkwardness you may feel.

Your specific purpose helps focus your topic. It spells out what you want your listeners to understand, believe, feel, or do. Having a specific purpose clearly in mind helps direct your research toward relevant information so that you don’t waste valuable time. You should be able to state your specific purpose clearly as a single idea. Let’s look at how a specific purpose statement gives focus to your speech:
General function: To persuade
Specific purpose:
To persuade my audience that global warming poses a serious threat to our environment
How can you tell if you have a good specific purpose? Your specific purpose should ensure that you provide listeners with new or useful informatioii or advice. When you tell listeners something they already know, you simply bore them and waste their time. Your specific purpose also should be manageable in the time allotted to you. In a five-minute speech you have only about seven hundred words to get your message across. If you can’t cover the material in the time allowed, then you must narrow your focus to something you can handle. Let’s look at some examples of poor specific purpose statements and see how they might be improved:
Topic: National parks
General function: To inform

Specific purpose: To inform my audience about hiking trails in Shenandoah National Park

Topic: Global warming

General function: To persuade
Specific purpose: To persuade my audience that global warming poses a serious threat to our environment

How can you tell if you have a good specific purpose? Your specific purpose should ensure that you provide listeners with new or useful information or advice. When you tell listeners something they already know, you simply bore them and waste their time. Your specific purpose also should be manageable in the time allotted to you. In a five-minute speech you have only about seven hundred words to get your message across. If you can’t cover the material in the time allowed, then you must narrow your focus to something you can handle.