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HOYA

I like it.The car makes money 3 ways. If you pay in one lump payment. If the payment is greater than what they paid for the car, plus their expenses, they make a profit. They loan you the money. You make payments over months or years, if the total amount you pay is greater than what they paid for the car, plus their expenses, plus their finance expenses they make money. Of course the money takes years to come in, or they sell your loan to another business to get the money faster but in a smaller amount. You trade in a car and they sell it at a profit. Of course that new transaction could be a lump sum or a loan on the used car... They or course make money if you bring the car back for maintenance, or you buy lots of expensive dealer options. Some dealers wave two deals in front of you: get a 0% interest loan. These tend to be shorter 12 months vs 36,48,60 or even 72 months. The shorter length makes it harder for many to afford. If you can't swing the 12 large payments they offer you at x% loan for y years that keeps the payments in your budget. pay cash and get a rebate. If you take the rebate you can't get the 0% loan. If you take the 0% loan you can't get the rebate. The price you negotiate minus the rebate is enough to make a profit. The key is not letting them know which offer you are interested in. Don't even mention a trade in until the price of the new car has been finalized. Otherwise they will adjust the price, rebate, interest rate, length of loan, and trade-in value to maximize their profit. The suggestion of running the numbers through a spreadsheet is a good one. If you get a loan for 2% from your bank/credit union for 3 years and the rebate from the dealer, it will cost less in total than the 0% loan from the dealer. The key is to get the loan approved by the bank/credit union before meeting with the dealer. The money from the bank looks like cash to the dealer.

Physician

My first sentence is "istanbulu cok seviyom burada olmak cok guzel"

Desk

Do not write explanations. Ask me the questions one by one like an interviewer does and wait for my answers. My first sentence is "Hi"

TABLE

when i need to tell you something in english, i will do so by putting text inside curly brackets {like this}. my first command is console.log("Hello World");

dark

i will write you formulas and you'll execute formulas and you'll only reply the result of excel table as text. First, reply me the empty sheet.

insect

Do not write explanations on replies. My first sentence is "how the weather is in Istanbul?"

fish

Now let's start practicing, you could ask me a question first. Remember, I want you to strictly correct my grammar mistakes, typos, and factual errors.

food

You will also suggest me places of similar type that are close to my first location. My first suggestion request is "I am in Istanbul/Beyo?lu and I want to visit only museums."

water

such as the emotional state of the speaker."