Decision房屋及交通工具的决策.ppt

Prentice Hall Inc. Chapter 8 第八章 The Home and Automobile Decision房屋及交通工具的決策 Smart Buying Process聰明購買的步驟 Step 1: Do your homework步驟一:做家庭作業 Is the purchase a “need” or “want”?你的購買是基於”需要”或是“想要”? Consider alternative products and features.考慮替代物 Does the purchase fit your budget?購買符合你的預算嗎? Step 2: Make your selection步驟二:做抉擇 Comparison shop: price, product features, and quality.比較商店、價格、產品特色與品質 Be informed: check library and Web sources.多元化的資訊:查詢圖書館或上網資訊 Smart Buying Process (cont’d)聰明購買的步驟(續) Step 3: Make your purchase步驟三:購買行動 Negotiate the price.議價 Evaluate financing alternatives.評估對財務的影響 Complete the purchase.完成購買行動 Step 4: Maintain your purchase步驟四:維持購買權力 Resolve complaints; keep good records.解決不滿意的問題，保持良好的紀錄 Transportation Needs交通工具的需求 Step 1: Narrowing your choice步驟一:縮小你的選擇範圍 Step 2: Picking your vehicle步驟二:選擇車子 Step 3: Making the purchase步驟三:完成購買 Step 4: The lease-versus-buy decision步驟四:租賃或購買的決策 Step 5: Maintaining your purchase步驟五:購車的維護 Step 6: Consumer protection and your car步驟六:購車與消費者的保護 Step 1:步驟一Narrowing Your Choice :縮小你的選擇範圍 Consider your lifestyle and needs versus wants.衡量你的生活型態及所需的車種 Look at the alternatives.比較其影響力 Fit your car into your budget; calculate the payment.計算付款額讓夠符合你的預算 Step 2:步驟二Picking Your Vehicle選擇車子 Do your comparison shopping via the internet or publications:透過網路或公共資訊去比較 Compare price比較價格 Compare features比較性能 Compare quality比較品質 Determine what is available in your price range.計算何較符合你的價位 Test-drive the exact vehicle you are considering.你所考慮的車子做ㄧ道路駕駛測試 Step 3: 步驟三 Making the Purchase完成購買 Take advantage of sales, but negotiate the price: 利用購買優勢，並進行議價 Know the dealer’s cost of the vehicle and any holdback.知道汽車經銷商的成本價與任何佣金 Understand the various dealer markups.明瞭不同經銷商的報價 Be aware of any rebate(s) that may apply.知道可能會有哪些折扣 Step 3: 步驟三 Making the Purchase (cont’d) 完成購買(續) Evaluate financing alternatives:評估財務選擇性 Determine the length of financing.計算借款期限的長短 Shop around to find the best interest rate.找出最好的利率 Choose a financing period and