生活的故事

美人鱼

现在是洛杉矶的早上5点半，
到了也有一个星期了，

可还是该睡的时候睡不着，不该睡的时候睡不醒，

就是倒时差，老外还给这起了个外号，叫Jet leg 会一下其中之意，有趣吧，

睡不着就要上网，上网自然也要上新城网，
真是天涯若比邻啊，我就在这跟大家说说这大洋比岸吧，，

[ 本帖最后由 美人鱼 于 2007-10-16 22:41 编辑 ]

老狼

美人鱼又到大洋彼岸了,问候

美人鱼

北京是在东8时区，
洛杉矶是在西8时区，

洛杉矶应该比北京晚16个小时，
可现在是晚了15个小时，

应该是洛杉矶这里还在用夏季时间，这都10月了，还用夏季时间，纽约的夏季时间是4月到9月，
这洛杉矶的时间跟纽约不同，连实行夏时制的时间也不同，可真够乱的， 这事等我找美国政府问个清楚再跟大家汇报吧，
总之，纽约比北京晚12个小时，时间不变就是昼夜颠倒就行了，所以到纽约不用调表，，
洛杉矶，比纽约又晚3个小时，就用北京时间减3小时，再昼夜颠倒，，
洛杉矶比北京晚15个小时，24－15＝9，那他们之间最小的时间差就是9个小时，
据说，有9个小时的时差，就要用9天才能倒过来，

希望我到第九天的时候，这灌汤包似的脑袋能清楚起来，，，

[ 本帖最后由 美人鱼 于 2007-10-16 22:17 编辑 ]

美人鱼

原帖由 老狼 于 2007-10-16 20:46 发表
美人鱼又到大洋彼岸了,问候

谢谢来自远方的老狼的问候，真的很亲切啊，

美人鱼

现在是早上6点钟了，外面响起了垃圾车的声音，

这样的居民小区不会有大车通过的，
昨晚上我看到大家把自家的垃圾桶拖到街边，就是说今天早上要来收垃圾了，

是那种特大的卡车，一般每周来一次，分别不同的收生活垃圾和绿色垃圾，就是除下的草和树枝树叶什么的，
刚才我就像好事者一样，开窗看到了垃圾车上的字：

Athens Services 伴有让人能联想到回收环保的大箭头的图案，

为了不对居民生活造成影响，垃圾车一般都是在半夜工作，最晚不超过早上7点，
记得来美国几次倒是差的经历，都是清晨睡不着觉，就盼着大家也都早点儿起来，

我印象中最先弄出声响都是垃圾车，，因为车大，在小街里拐来拐去的，特别是倒车时还会嘀嘀地响，，

记得在纽约（曼哈顿）的清晨，最先响动的也是垃圾车，虽然纽约被认为是世界出名的不夜城，但是在人门日常的生活中，打破夜幕沉寂的还是把大家的垃圾收走的垃圾车，，，

美人鱼

垃圾车走了，外面又恢复了平静，
看看，还是黑沉沉的，离天亮还早，，，

记得以前来洛杉矶总是有朋友接机送机，安排住家，周末假期运动出游，逢年过节聚会联欢，

可这次来就我一个孤家寡人的，原来大家都变成海龟游过太平洋回去了，只有我一人“逆历史潮流而动”，

自问为什么，也就是为了这明媚的阳光清新的空气自由的天空吧，，，

美人鱼

好久也没看到春梦来自纽约的报道了，
这洛杉矶之于纽约还真有很多不同呢，

就说说这衣食住行吧，

我觉得这行是第一位的，如果这行没安排好，你能到哪去买衣服，吃饭，睡觉呢，，

如果从“行”而论，我还是比较喜欢洛杉矶，，，

喜欢琥珀

好久没有“新作”的小美JJ，原来又回到米国去了；写中文很亲切吧

穿协的活动你咋不再来参加了，在米国除了自驾，会去徒步吗？


新城还有一个MM在俄勒冈州，因为记得Columbia的滑雪服装是在那里生产的。


愿JJ你早日把时差倒过来哈

[ 本帖最后由 喜欢琥珀 于 2007-10-16 22:05 编辑 ]

美人鱼

谢谢琥珀，
我也很怀念我们一起穿行的时候，一直关注穿协的发展长大，
只是后来也是到处乱跑，就参加的少了，，

在这边徒步很流行，也有像新城那样志同道合的朋友一起去走走，上次我去大峡谷的时候参加了一个专为游人组织的，在峡谷里走了走，这次刚到还没去参加这样的活动，
就是去健身房的跑步机上走了走，，

[ 本帖最后由 美人鱼 于 2007-10-16 22:20 编辑 ]

美人鱼

太阳出来了，今天又是个大晴天，

据说洛杉矶是一年360个晴天，可就上个周末这里下了一夜的雨，天气转凉了，天色也更清爽了，跟北京似的，一场秋雨一场寒吧，

美人鱼

我约了TOYOTA车场今天上午9点，他们帮我的新车做个Details，就是里外都清洁一下，
什么上光打蜡什么的，Dealer说这值400多元呢，白送的，就是卖车一噱头吧，不过，刚下过雨，我还没洗车，先去免费洗洗车吧，

我得出发了，明天再向大家汇报买车，租车，租赁车的算计，，，，

美人鱼

Lease vs Buy
It's a common dilemma: lease versus buy — to lease or buy a car — which is better?. Everyone who has ever considered leasing has had this question cross their mind.

So what is the answer?

Lease versus buy?

The answer is – it depends. It's not possible to simply say that one is always better than the other because the answer depends on the specifics of each individual situation.

Leases and purchase loans are simply two different methods of automobile financing. One finances the use of a vehicle; the other finances the purchase of a vehicle. Each has its own benefits and drawbacks.

When making a 'lease or buy' decision you must look not only at financial comparisons but also at your own personal priorities — what's important to you.

Is having a new vehicle every two or three years with no major repair risks more important than long-term cost? Or are long term cost savings more important than lower monthly payments? Is having some ownership in your vehicle more important than low up-front costs and no down payment? Is it important to you to pay off your vehicle and be debt-free for a while, even if it means higher monthly payments for the first few years?

So we find out that making a lease-or-buy decision is not quite cut and dry. There are some things you need to consider. Let's take a look at some of these things.

First, it's important to understand that buying and leasing are fundamentally different, not just two versions of the same thing.

Buying and leasing are different

When you buy, you pay for the entire cost of a vehicle, regardless of how many miles you drive it. You typically make a down payment, pay sales taxes in cash or roll them into your loan, and pay an interest rate determined by your loan company, based on your credit history. You make your first payment a month after you sign your contract. Later, you may decide to sell or trade the vehicle for its depreciated resale value.

When you lease, you pay for only a portion of a vehicle's cost, which is the part that you "use up" during the time you're driving it. You have the option of not making a down payment, you pay sales tax only on your monthly payments (in most states), and you pay a financial rate, called money factor, that is similar to the interest on a loan. You may also be required to pay fees and possibly a security deposit that you don't pay when you buy. You make your first payment at the time you sign your contract — for the month ahead. At lease-end, you may either return the vehicle, or purchase it for its depreciated resale value.

Buy vs lease example

As an example, if you lease a $20,000 car that will have, say, an estimated resale value of $13,000 after 24 months, you pay for the $7000 difference (this is called depreciation), plus finance charges, plus possible fees.

When you buy, you pay the entire $20,000, plus finance charges, plus possible fees.

This is fundamentally why leasing offers significantly lower monthly payments than buying.




Lease payments are made up of two parts: a depreciation charge and a finance charge. The depreciation part of each monthly payment compensates the leasing company for the portion of the vehicle's value that is lost during your lease. The finance part is interest on the money the lease company has tied up in the car while you're driving it. In effect, you are borrowing the money that the lease company used to buy the car from the dealer. You repay part of that money in monthly payments, and repay the remainder when you either buy or return the vehicle at lease-end.


先贴个咨询，我就是看了这篇文章后觉得租赁车的，，，

西夏名猪

咋又跑回去啦，看来这回要久呆了。。。

美人鱼

是啊，这次我沙家浜扎下去了，

刚从车厂回来，我没作Details，刚几天的新车也懒得让他们折腾了，还要等上好几个小时，只是洗洗车，打打腊，所以仅20多分钟就好了。好在是免费的，也不枉我跑一趟32英里出去了，，

在车厂有Subway和Starbucks，正好在那吃个早饭，一个Subway Club，一杯Starbucks Regular，在车厂大厅的休息室看看新闻，再去汽车配件小店逛逛，车就出来了，我跟那位师傅又聊了聊车上让我不太明白的事项，给卖给我车的Dealer通个电话，就回来了。 在回来的路上突然又想起没有给洗车的师傅小费，就又给dealer大个电话，跟他说说这情况，他说这种情况不用付小费的，这我就放心了，，，

浮游

你可以在这里咨询一下平板电视的事情，哈哈，比较一下哪里的电视性价比最好