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標題: 精明車主：持有座駕長久最慳錢 [打印本頁]
作者: myversa    時間: 2008-3-17 07:50     標題: 精明車主：持有座駕長久最慳錢

精明車主：持有座駕長久最慳錢         
2008年3月17日



最近有朋友心思思想換車，與車迷傾起，傾到一般買車人士所經常關注的問題，例如到底買車好，還是租車好？持有車輛長時間好，抑或短時間好？

如同購買其他物品一樣，買車人士會有多種心態及不同的需求，這些不同的心態及需求會決定了我們的選擇。舉個例說，如果我們不想長年守住一輛車，想快些換款新車的話，你會去租車，3年4年租約，約滿就換車；當然即使買車，亦可考慮大約4至5年就換新車。

不過，如果大家精打細算，以慳錢多為主要目標的話，則買輛可靠耐用的車輛，

將它持有愈久就愈數。根據權威消費雜誌《消費者報告》(Consumer Reports)的介紹，如果買一輛可靠耐用的汽車，將它使用至極限的話，可以節省3萬元以上。

《消費者報告》指出，由於現時的機油、引擎、防鏽等科技的改良，令到車輛比起以前耐用很多，一般來說，假如維修恰當，其壽命可以長達20萬哩(32萬公里)而毋須很多的修理。

所以即使對供車的人來說，汽車的壽命比起供款期(4至6年)長很多，如果不換車，終汽車的一生，可以節省很多錢。

當然，要汽車能跑20萬公里，首先要揀一輛本身質素好的汽車，可靠耐用，同時要跟足車主手冊的指示維修汽車，以及更換原廠零部件，才可以極大化汽車的壽命。

《消費者報告》比較購買及維修一輛Honda Civic EX，讓它跑超過15年(或22.5萬里)，以及同一款車，每5年換一次車的成本，發現節省相當可觀，如能將節省投資，節省就更多。

車迷
作者: SAZABI    時間: 2008-3-17 08:50

Assuming the numbers are correct (I don't agree the 50% profit on investment), 30000 over 15 years is about 2000 a year.  I would say it is worth it to get new car every 5 year.  

Let say there is no loss/no gain on the "investment", 20000 over 5 years is 1333 per year.  I would hit it for sure :p

However, I would say it should be a case by case study instead, b/c the depreciation on luxury car or more expensive car is significantly more.  The saving should be magnified in a long run...
作者: shutterbug    時間: 2008-3-17 11:24

no la...it says make 10k in investment in 15 yrs not 30k la...so about 50% increase in 15 yrs which I think is very doable and conservative...just a simple compound interest of 3%/annual in 15 yrs will give you that amount!

anyway....lots of people are willing to pay the premium to drive a new car in our city... and so many people lease too cuz they're self employed

if the calculation is for a "new" used car every 5yr, then it will be closer.  Used car that is about 1-2 yrs old are pretty much like new....
作者: SAZABI    時間: 2008-3-17 11:36

hee... SB... 3%/year interest won't be more than 10,000 la.
作者: shutterbug    時間: 2008-3-17 12:22

it's 3% COMPOUND interest!  do you know what compound means???

plug in your numbers here

http://www.moneychimp.com/calcul ... rest_calculator.htm

作者: shutterbug    時間: 2008-3-17 12:26

oh btw...even if not compound...

3% of 20000 = 600
600 x 15 yrs = 9000 already la...

so you save 20k initially plus 9k of investment income => 29k

do you get it now?
作者: SAZABI    時間: 2008-3-17 12:29


All interest you earn is taxable... so your effective rate is only (let say you pay 25% tax) 2.25%
Compound annually will give u about $8000
作者: Catpiano    時間: 2008-3-17 12:41

Silly ..  

wear a same shirt ..and wear for 15 yr .. can save more money tim  ..  lol ..  ( if not wash it .. save more! )  

LOL   keep a car for 15 yr ??

Actually, I have kept one car for 15 yr ..  ended up .. I "half sell half give" to my landscape guy ..
作者: shutterbug    時間: 2008-3-17 14:35

原帖由 SAZABI 於 2008-3-17 12:29 發表

All interest you earn is taxable... so your effective rate is only (let say you pay 25% tax) 2.25%
Compound annually will give u about $8000

Haha...what an argument!  Since when we take income tax into account?  "Cannon behind horse"...

What if this person doesn't have to work...so doesn't need to pay any tax?  Anyway...pointless going further...
作者: shutterbug    時間: 2008-3-17 14:39

原帖由 Catpiano 於 2008-3-17 12:41 發表
Silly ..  

wear a same shirt ..and wear for 15 yr .. can save more money tim  ..  lol ..  ( if not wash it .. save more! )  

LOL   keep a car for 15 yr ??

Actually, I have kept one car for 15  ...

how about walk for 15 yrs....free!  and you gain good health too...LOL

how about same wife for 15 yrs...how much can you save?
作者: utopia    時間: 2008-3-17 14:44

I kept my car for 10 years now... it seems another 5 years is not a problem wor
作者: SAZABI    時間: 2008-3-17 15:08

原帖由 shutterbug 於 2008-3-17 14:35 發表

Haha...what an argument!  Since when we take income tax into account?  "Cannon behind horse"...

What if this person doesn't have to work...so doesn't need to pay any tax?  Anyway...pointless going ...


LOL, sorry, that's sth that I always do automatically (except those money I put in HK) before I do the compounding as I believe that is a more realistic figure.  Don't you agree?  It is important, b/c those deducted amount each year won't be compounding...

If we take inflation into account too... CRAP! Buy new cars!!

hee... if someone doesn't need to work, I doubt he/she would perform such calculation to save 20k over 15 years.

[ 本帖最後由 SAZABI 於 2008-3-17 15:15 編輯 ]
作者: myversa    時間: 2008-3-17 15:36

I kept my last car for 16 years and I ended up have to sell only for $100.  

I think it depends on what kind of car and what is the depreciation rate for that car.  My car depreciated fast so after 10 years it basically worthed less than 1 grand.
作者: Catpiano    時間: 2008-3-18 08:07

BUS PASS is the way to go!
作者: SAZABI    時間: 2008-3-18 08:37

原帖由 Catpiano 於 2008-3-18 08:07 發表
BUS PASS is the way to go!


Heard that bus fare is going up... was funny listening to people's comments on radio yesterday...
作者: myversa    時間: 2008-3-18 10:57

原帖由 Catpiano 於 2008-3-18 08:07 發表
BUS PASS is the way to go!


Maybe in other cities/countries but not in Vancouver.

1.  Skytrain does not go through some some major part of the metro vancouver such as Richmond/Delta/Vancouver West.
2.  The price keeps on going up.
3.  Some major buses are always crowded and the driver always refused people to get on.
4.  For some connection is not easy to go such as (richmond -> main street/Marine drive) even with the new skytrain build.
作者: Traum    時間: 2008-3-18 12:22

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作者: shutterbug    時間: 2008-3-18 15:01

scooter is pretty dangerous...especially if you're in Richmond and you know why...

how about a smart car?  cheaper gas and maintanence and can be driven all year around!
作者: SAZABI    時間: 2008-3-18 15:09

原帖由 shutterbug 於 2008-3-18 15:01 發表
scooter is pretty dangerous...especially if you're in Richmond and you know why...

how about a smart car?  cheaper gas and maintanence and can be driven all year around!


yeah! my friend with a scooter told me that it doesn't feel that great when the car decided to pass by @ 80 km/h 5 cm away.
作者: Traum    時間: 2008-3-18 16:27

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作者: Traum    時間: 2008-3-18 16:30

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作者: excel    時間: 2008-3-24 10:28

原帖由 Catpiano 於 2008-3-17 12:41 發表
Silly ..  

wear a same shirt ..and wear for 15 yr .. can save more money tim  ..  lol ..  ( if not wash it .. save more! )  

LOL   keep a car for 15 yr ??

Actually, I have kept one car for 15  ...



Funny example !   Actually, it's not fair only compare cost. Safety, enjoyment, comfortable also count. If cost is the only concern, bike may be good choice - healthy, green & save.
作者: blowfish    時間: 2008-4-1 11:37

Older cars can be kept 15 yrs, a new car I doubt it, as soon as Warranty ran out your maint. could go up. Rice cars are less cha bo. Domestic cars, even within W u still have lots to fix. Cant imagine whats after W gone?
作者: shutterbug    時間: 2008-4-1 13:25

原帖由 blowfish 於 2008-4-1 11:37 發表
Older cars can be kept 15 yrs, a new car I doubt it, as soon as Warranty ran out your maint. could go up. Rice cars are less cha bo. Domestic cars, even within W u still have lots to fix. Cant imagine ...

What makes you think newer cars can't be kept for 15 yrs lei?  The newer powertrains are built better than before.  However, the electronics are way more complicated than before and that's probably why the repair cost can go up; one sensor can easily cost you 200 bucks and plus diagnostic charge per hour...  So if you buy a manufacturer with a good reputation on electronics (i.e. generally not German), you should be fine.



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