tailieunhanh - Don’t Be Taken for a Ride Guide to Auto Leasing

Our homes, businesses and factories account for more than 70 percent of the energy we consume, and we need to invest in energy efficiency in the residential, commercial, and industrial sectors to improve . competitiveness, lower electricity bills, and protect our environment. This is why the President has laid out a bold vision for sparking a new home-grown industry in making our homes, buildings, and factories more energy efficient. The President’s plan lays a foundation for the private sector to dramatically scale up investments and reap the enormous benefits that come with greater energy efficiency. Because. | Don t Be Taken for a Ride Guide to Auto Leasing Table of Contents If you are considering leasing a vehicle you should know that . . . .2 Why do people lease .2 What is a lease .2 How often do you purchase a new vehicle .3 What can you afford .4 Do you put a lot of wear and tear on a car .4 Understand the effect of trade-ins and down payments . . . .5 Be on the lookout for special factory-subsidized lease deals . . .5 Balloon-Note . so you think leasing is a good idea for Know the language of the industry . 8 Auto Leasing Guide Let s review the basics of buying a Now let s look at Learn how to calculate the interest rate or money factor . . . .20 What are your insurance needs . 21 The Advertising requirements for lessors . 21 What to expect at the end of the lease .23 Conclusion . 24 Introduction In recent years the number of drivers who lease rather than buy their cars has increased tremendously. A large percentage of New Jersey residents now lease a vehicle. Unfortunately as the number of leases has increased so has the number of complaints of consumer fraud and deception. New Jersey s Consumer Protection Leasing Act . . 56 12-60 et seq. established what are perhaps the strongest motor vehicle leasing standards in the nation. The law ensures greater protection for New Jersey consumers by requiring lessors to disclose detailed information about crucial terms of their leases. On October 1 2005 the New Jersey Streamlined Sales and Use Tax Agreement became effective. This legislation made significant changes to the New Jersey Sales and Tax Use Law and changed the formula for calculating the tax on auto leases. In addition the Board of Governors of the Federal Reserve System has changed the federal leasing law. The federal leasing law which took effect on January 1 1998 incorporates many of the concepts embodied in Newjersey s . The . requires the Divrsion o f .

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