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Your NameYour EmailRecipient EmailEnter a MessageI read this article and found it very interesting, thought it might be something for you. The article is called 30+ Examples of Cisgender Privilege and is located at /2011/11/list-of-cisgender-privileges/.CaptchaYour NameYour EmailRecipient EmailEnter a MessageI read this article and found it very interesting, thought it might be something for you. The article is called 30+ Examples of Cisgender Privilege and is located at /2011/11/list-of-cisgender-privileges/.CaptchaCar Finance: The Math on Why You Should Pay Cash for Your Next Car - The Simple Dollar
Last updated August 27, 2014
Quite often, I get emails from readers asking about car finance. What is the “best” way to purchase a particular car that they want?
They have their eye on some new model and want me to essentially tell them that it’s okay to purchase it.
When Is It Ok To Finance A Car?
I rarely do.
Taking out a loan for a car is only a good move if (a) you’re buying your first or your second car and absolutely need one today to commute to work – and even then, you should be buying a used one or (b) you have enough cash to buy the car you want but you’re offered 0% or extremely low financing, making it cost-effective to take out the loan and then sit on your investment (a pretty rare case, but one we found ourselves in recently).
We fully own both of our automobiles and don’t intend to replace either one of them for years.
Of course, we’re slowly saving up for their replacements at a reasonable rate, but we’re not paying interest – interest is working in our favor.
Car Buying Scenarios: New Car vs. Used Car
Let’s run the math so that you can see, in real dollars, how much is saved by paying cash.
You have no cash at all, but you need wheels.
What do you do?
Option 1 – Buying New Now
You go to the dealership and take out a $25,000 loan on a new car.
That loan is offered to you at 6% for five years, meaning you have a monthly payment of $483.32.
You drive this car for seven years.
Each month, you pay $483.32 as a car payment.
After five years, you own the car, but you’ve paid out $28,999.20 for the loan – $3,999.20 of that being pure interest.
You then start saving $483.32 a month for your next purchase – after two years, your savings account totals $11,715.68 ($11,599.68 in savings, plus $16 in interest).
At the seven year mark, you trade in your used car for $6,000 in trade in and also make an $11,700 down payment on your next $25,000 car.
You’re still borrowing $7,300 to buy the car, which means monthly payments of $141.13 over the next five years, totaling $8,467.80 – $1,167.80 of that being pure interest.
At this point, you also need to save $285 a month so that you have $25,000 in cash ready for your next car purchase at the fourteen year mark – seven years after this one.
$23,940 of the savings will be cash and the rest will be interest – $1,104.64.
So, after all of this, you wind up paying out $73,006.68 over the course of these fourteen years and find yourself with a new car at the end of it.
Now, let’s look at fourteen years starting in a different fashion.
Option 2 – Buying Used Now
You go to the dealership and take out a $5,000 loan to buy a used car that will work for five years.
You make monthly payments of $483.33 each month.
For the first year, $430.33 of it goes towards the loan payment, while the other $53 goes into savings.
For the remaining four years, the whole $483.33 goes into savings.
At the five year mark, you have just shy of $25,000 saved and the trade-in on your junker puts you over the top.
New car time, paid for in cash.
You then start saving for your next new car in seven years, saving $285 a month.
At the twelve year mark, you replace that car and keep saving the $285 a month.
At the fifteen year mark, you have a three year old car and $10,414.67 in savings.
Over the course of all of this, you’ve actually only shelled out $63,199.80 out of your pocket for these cars.
Comparing The New Car vs Used Car Scenarios
Here’s the real take-home message here: simply by buying a low-end used car at first in the second scenario and driving it until the owner could pay cash on a new car (at the five year mark), that owner saves $10,000.
In other words, choosing to take out a loan for a new $25,000 car means that $10,000 is simply evaporating out of your wallet.
Remember that from here on out, both scenarios are going to be saving the same amount of money in their savings account to keep up with future car replacements, which essentially means that the money is a car payment.
I like to look at it this way: the owner of the second option is essentially paying himself $2,000 a year to drive a used car instead of a brand new one.
There are a few additional things to point out as well.
First, the insurance costs in the second scenario are lower as well.
For those first five years, the person owns a used car which will have lower insurance costs than a new automobile.
Second, considering used cars in your buying decision can save you money.
When you run the numbers on your car purchase, always include used cars, particularly ones from model years with a good reputation.
Sometimes, those cars can save you significant money over the long haul through insurance savings, plus they allow you to retain some of your cash savings for your next car purchase.
Finally, having the money in the bank puts you in control.
If you can buy the car in cash, you’re no longer worrying about your credit history or about whether a bank will offer you a good rate.
You have your cash, you find the best deal, and you buy.
Simple as that.
I’ll say this much: every time I run the long term numbers with regards to paying cash or taking out a loan for a car, I further reinforce my own plan to never again borrow a dime for a car (unless, as I mention above, I have the money in an investment that offers a better guaranteed return than the interest rate of the car loan).
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Where is the cash value for the bumper to bumper warranty on a new car (first three years), and when a used car needs repairs or the older new car (out of warranty) needs repairs.
That takes money away from your future car savings, and with a lemon, or non-optimal used car scenario that could keep you in a hole.
For my new car with warranty, i was guaranteed that the only payment i would need to make to that car was for the loan.
That security in budgeting was highly valuable.
Otherwise, wonderful calculations that really spells out what a car budget and savings can do for you. Thanks.
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Become a subscriber of The Simple Dollar and get a free copy of Trent's e-book today plus exclusive updates.Not long ago
as a part of bipolar disorder. She was
and so was hesitant to talk about her own delusions of grandeur during mania.
I’m not familiar with delusions of grandeur in mania and bipolar disorder so I looked it up and I asked if anyone had stories of their mania and delusions of grandeur. Naturally, my lovely readers provided.
Delusions of Grandeur as a Part of Mania of Bipolar Disorder
Delusions of grandeur is not officially listed as part if the diagnostic and statistics manual (DSM) of mental illness. Accoding to the DSM-IV TR (the latest version) one of the symptoms of bipolar mania is:
Inflated self-esteem to levels of grandiosity
Without mention of delusions in mania. However, this e adds:
Mania may also include . . . delusions of grandeur. Delusions associated with mania frequently center around an expansive sense of self that goes well beyond narcissism, eg, believing oneself to have special (eg, supernatural) powers or to be the chosen leader of the world or universe.
Delusions of grandeur are part of mania and bipolar disorder I, not bipolar disorder type II . (Delusions themselves can be part of other disorders as well.)
Different Types of Mania in Bipolar Disorder Type I
There has been an attempt made by researchers at Duke University to
(using a sample of 327 inpatients with bipolar disorder):
Pure type 1: (20.5%) – similar to hypomania, no aggression or paranoia, low irritability
Pure type 2 (24.5%) – severe mania including grandiosity and psychosis
Group 3 (18%) – psychosis, paranoia, delusional grandiosity and delusional lack of insight, lower levels of psychomotor and hedonic activation
Group 4 (21.4%) – high dysphoria, low psychomotor and hedonic activation
Group 5 (15.6%) – dysphoria, euphoria
Mania-Related Definitions
Dysphoria: emotional state marked by anxiety, depression and restlessness
Grandeur: affectation of personal greatness or splendor or by absurd exaggeration
Hedonic (hedonia, hedonist): pleasure seeking above all else
Delusions of Grandeur Common in Bipolar I Mania
In short, delusions of grandeur are pretty common in type I bipolar disorder mania. (According to the above, almost 45% of bipolars in a manic episode experience it to some degree.)
You’re not weird or a freak at all. You’re not alone in your delusions of grandeur. Delusions of grandeur are just another thing about bipolar disorder that people don’t want to talk about.
Real Life Stories of Delusions of Grandeur in Bipolar Disorder
is a really great example:
As the week progressed and my mania increased everything started coming in brilliant detail. As I drove past fields of grass no longer could I see the wind blowing across a field, but instead as I looked out I saw millions of individual blades of grass blowing. It was like a clarity I have never seen. Everything was in super sharp focus. It was like a whole new world, and it was beautiful. But as it progressed the more I saw in detail the more I felt “one” with nature, to the point where I thought that I could BE one with the wind.
One afternoon driving home from work I thought that I was so in tune to the nature around me I could drive with my eyes closed. I rolled down my window and extended my arm out as far as I could, each finger spread out wide. I gently at first started letting the wind guide my arm up and down, then at the precise moment I felt it “carry” me I closed my eyes and let the wind guide me down the interstate. This abruptly ended when I hit the side of the road. I was so torn between some part of my mind telling me I was crazy and the utter disappointment I felt with the wind for not guiding me and keeping me on the road.
I ended up in the hospital the next week.
From another person with bipolar disorder (kept anonymous for privacy reasons):
I thought I was the incarnation of Bast, Egyptian cat goddess, and I could talk to every kitty in the universe.
Most people when they get in that state think they are Jesus. I was brought up Jewish and I am a cat person, so I guess I thought of Bast. It got bad when the cat was talking to me and I could swear I could hear the kitty in the apartment across from me talking to me.
Manic Delusions of Grandeur Examples
Both of the above are from great people. Just like you. T you’re not alone in this.
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