Chen Yunzheng

      "Today you are going to purchase a car, it should be less than 50000 dollars. It could be any kind. You are going to loan it . (today you are going to buy a car, but you have to use the loan. This car does not exceed $50000, no style limit) " economy class teacher Ms. Sheets said, he gave us two. "The small paper shows how much you get pay each month ----2500 dollars, subtract your basic needs 800 dollars is 1700 dollars. You could use 1700 dollars to do anything you want, shopping, traveling... The remainder is for your car. (this little piece of paper to write -- $2500, pay your monthly basic need to subtract your $800 to $1700. You can use this 1700 dollars do anything -- shopping, tourism...... The rest of the money is your car use."

      Then, Ms. Sheets took us to the computer room, commanded us to surf the Internet to find a car of his own love vehicle. "The bigger paper has a chart of your loans per month depends on the price of your car and your insurance, extra package if you want .So remember, the insurance and the package will also cost money . (the big point of the paper is listed on your monthly loan scale, this and your choice of car, car insurance and you if you want additional packages related. Remember, insurance and package also need payment. )"

   I estimate that, for $250 as a free spending enough, 1700 minus 250 with 1450 dollars. Wow, great! I looked at the table -- even buy the best car ($50000) per month, as long as it is a $1389 loan, 3 years to pay off! However, it seems not too realistic, because it has little money to buy insurance. If I choose the 5 year loan, every month only need $834, so that more ample.

   Now have to choose the car. Since there is so much money, buy a car and got. Because my dad at the America open is used Lexus (Ling Zhi) car, although only spent $6800 (see chart 1), but sat up feeling good, so I'll try the Lexus. I search to Lexus site in Google, WOW! There are many models, see I see things in a blur. Buy a car or car? The car looks very cool, but not practical -- most can only sit two people. Finally, I look down to Lexus ES 350. The $40000 ES 350 car not only the price is right, but the style good-looking, equipment inside the vehicle is also quite luxurious.

So, the basic information I write ES 350 on large sheets of paper: year, price etc.. Then, I will work out the monthly loan: a $40000 car, with 3 years of the loan, the monthly repayment of $1111; if you use the 5 years of the loan, the monthly repayment of $666; if you use the 6 years of the loan, the monthly repayment of $556.

In fact, I ought to "Sheets car business" there now, "director business MS Sheets" help me deal with the monthly loan and insurance. "Sheets automobile service" business is so good, a customer has a long queue in front of Ms. Sheets's office.

Finally my turn. I walked into the "Sheet car business", and in the Sheets's desk for "customer" to the chair and sat down. MS Sheets looked at the two pieces of paper on my side, said to me: "So are you sure you want to purchase 40000 dollars Lexus Es 350?(are you sure you want to buy a $40000 Lexus Es 350 car?)"

I nodded my head.

"Okay." Sheets woman gave her eyes locked on the loan on the table, "You have 1450 dollars left for your car, lets pick 1111 dollars for your loan, you have to pay it for 3 years. Okay ($1450 ? You have left to spend on your car, now I have to choose a 3 year mortgage now, you need to pay $1111 a month, right?)".

"OK"

"Now, $1450- $1111= $399 399.You have dollars left for your insurance. ($ 1450 $-1111 $=399, you have 399 dollars to spend on insurance. "Ms. Sheets) take 3 cards," Pick a card and see about you driving history. (pick a card, have a look how your driving record. )"

In American, driving record better people, pay the premium cheaper. So, I took a -- see card reads "POOR (difference)". Ah, it seems to pay more.

Miss Sheets took my monthly insurance and loans together again -- the total is $1390. I give "Sheets car business" wrote a $1390 "check", MS Sheets took it gave me a receipt.

Wow, take the receipt, I really have the feeling of adults!

(image: I see on the network's 2007 launch of Lexus ES 350's new, very attractive!)

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