Buying vs. Leasing a car...

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  • buddyjuf
    • Jul 2026
    #1

    Buying vs. Leasing a car...

    What are the pros and cons?

    I mean I can't understand why people wh can afford to buy, lease.
    I mean even if you can't afford to buy a brand new one, why not buy one that is 2-3 years older?

    my friend is in the process of leasing a brand new 330CiCm and a X5 4.8Li
    I mean after 3 years, he has no cars left, and has spent some 70 000$ on the leases.

    I, on the other hand, bought a 2 year older M3, and in 3 years I still have a car and get get alot of my money back!

    can someone please explain to me the benefits of leasing a car instead of buying it?

    thanks!
    Tags: None
    • FuqALot
      Confirmed User
      • Dec 2001
      • 3817
      #2
      exotic = lease

      and with other rides it's just whatever you prefer. i prefer buying everything at once so i know it's my ride and am not one of those wannabee's hehe.

        Comment

        • buddyjuf
          #3
          and I mean, on a lease, you are on a contract! they have you by the balls, you can't really sell the car at a decent price, once your lease ends they will find anything to make the cars value depreciate, they collect intrest on the payments... I simply don't get it

            Comment

            • Sly
              Let's do some business!
              • Sep 2004
              • 31377
              #4
              You should talk to your accountant and see what he/she says. Leasing is a great option in the right situations.
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                • FuqALot
                  Confirmed User
                  • Dec 2001
                  • 3817
                  #5
                  Originally posted by Sly
                  You should talk to your accountant and see what he/she says. Leasing is a great option in the right situations.
                  Yep True. That's what I did.. my accountant is an expert.. buys new cars all the time. I wonder where he gets the money

                    Comment

                    • BV
                      wtf
                      • Sep 2001
                      • 10914
                      #6
                      for business you can deduct your whole lease payment
                      if you buy you have to depreciate a percentage each year

                      for a personal vehicle the only advantage to leasing is if you know you are going to get a new one in 2 or 3 years, so then you lease for 2 or 3 years, this way you only commit to pay for the depreciation.

                      So on a new $30K car after 2 years is worth $20K (residual) your committing and paying for 10K over 2 years.

                      so in short it's usually always better to lease if it's for a business or you get a new ride frequently

                        Comment

                        • clickclickclick
                          Confirmed User
                          • Jan 2005
                          • 1227
                          #7
                          if ur a biz, u should lease. deduct cost and shit

                          ur accountant can give u some good tips... all the big playa's got the biz plates on their kars
                          if you need more than 3 clicks to get to a join page, something is wrong ;)

                          p.s. i still bring the sales whores here.

                            Comment

                            • chadglni
                              Confirmed User
                              • Dec 2002
                              • 6924
                              #8
                              Leasing is retarded, yes you can deduct the full lease payment but when you buy you OWN THE FUCKING CAR! The only time you want to lease vs buy is when you plan on swapping cars every 3 years for as long as you live.


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                                Comment

                                • Alex
                                  So Fucking Banned (YEA!!)
                                  • Jun 2004
                                  • 10963
                                  #9
                                  It comes down to the same thing.
                                  The cost of a three year lease is usually the difference between the cars original price and its value in three years.

                                  EX:
                                  CAR A costs $45k to buy brand new. After three years it's value is 20K. So it dropped $15k in three years.
                                  That means your lease payment over those three years will add up to $15k ~$416/month.

                                  So if you were to lease, you would spend $15k for three years and at the end give it back. The pros are that you only spent $15k on it because you dont ahve to look for a buyer to buy it off you . And during those three years, almost any repairs done are covered by the dealership.

                                  If you were to buy. You would spend $45k initially. After three years you have a car only worth $20k, and that is if you can find a buyer. And and repairs done are paid by you.
                                  Care about me?
                                  Who?
                                  Me!
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                                    Comment

                                    • Sly
                                      Let's do some business!
                                      • Sep 2004
                                      • 31377
                                      #10
                                      Originally posted by BV
                                      for business you can deduct your whole lease payment
                                      if you buy you have to depreciate a percentage each year
                                      I believe you can also deduct some maintenance, gas, and insurance. It would depend how you have your corporation setup and how good your accountant is.

                                      What's a lease on a $30k vehicle? Like $300-400 monthly? Ok, that's roughly $10k after 2 years. You buy the $30k vehicle and after 2 years its probably worth anywhere between $18-22k, right? So by both buying and leasing you're paying $5k a year just for "control" of the car.

                                      If you're going to want a new car in 2 years anyway, why not lease? Who cares if you actually "own" the car? Will it make you sound cooler to your buddies?
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                                        • Sly
                                          Let's do some business!
                                          • Sep 2004
                                          • 31377
                                          #11
                                          Oh, and Alex pointed out the other thing I forgot to mention. Who really wants to sit around and sell their car? It costs money to advertise, costs money for any last repairs you may want to do, and it eats up your time. All of that after you already spent the lease amount into the vehicle.
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                                            • Alex
                                              So Fucking Banned (YEA!!)
                                              • Jun 2004
                                              • 10963
                                              #12
                                              Originally posted by Sly
                                              Oh, and Alex pointed out the other thing I forgot to mention. Who really wants to sit around and sell their car? It costs money to advertise, costs money for any last repairs you may want to do, and it eats up your time. All of that after you already spent the lease amount into the vehicle.
                                              This is who leases cars. People who plan to fuck up thier car so bad in the three years that they will have trouble selling it and will make it easier to just give it back.
                                              Care about me?
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                                                • pornguy
                                                  Too lazy to set a custom title
                                                  • Mar 2003
                                                  • 62912
                                                  #13
                                                  CON= I paid 11k for mileage
                                                  PornGuy skype me pornguy_epic

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                                                    Comment

                                                    • BV
                                                      wtf
                                                      • Sep 2001
                                                      • 10914
                                                      #14
                                                      Originally posted by Sly
                                                      I believe you can also deduct some maintenance, gas, and insurance. It would depend how you have your corporation setup and how good your accountant is.

                                                      What's a lease on a $30k vehicle? Like $300-400 monthly? Ok, that's roughly $10k after 2 years. You buy the $30k vehicle and after 2 years its probably worth anywhere between $18-22k, right? So by both buying and leasing you're paying $5k a year just for "control" of the car.

                                                      If you're going to want a new car in 2 years anyway, why not lease? Who cares if you actually "own" the car? Will it make you sound cooler to your buddies?
                                                      Yep, technically you can deduct everything, gas maintenance all that shit as long as it's all used for business.

                                                      I now lease a Tahoe for 36 months for one of my businesses. Sticker was $46K, not exactly sure what I paid but the monthly pmt is roughly $740. Had a another lease before that, I turned it in almost 1 year early and they waived the remaining years worth of pmts because when GM needs to move vehicles they come up with special programs like that to do so. Think it was called pay it forward or something.

                                                      When they offer special deals for leasing they also usually offer specials for buying.

                                                      Like when I bought my 50th Anniversary ZO6 Vette, 0% interest no money down for 5 years. Can't beat that. That's free money.

                                                        Comment

                                                        • Peaches
                                                          Old broad
                                                          • Oct 2002
                                                          • 13933
                                                          #15
                                                          I've always leased cars. Bought my last 3. One I did OK on because it didn't lose a ton of appreciation. One was totaled after a year and depreciated so much gap insurance had to kick in about $5K. The third one is 3+ years old and has depreciated so much I can't sell it for what I owe on it even though it's a 0% loan.

                                                          Leasing has always worked out better for me because I want a new car every 3 years.

                                                            Comment

                                                            • bigdog
                                                              Confirmed User
                                                              • Jul 2001
                                                              • 6964
                                                              #16
                                                              I think also with a leased car you are more likely to drive it safely because you know you have to return it.

                                                                Comment

                                                                • sonofsam
                                                                  Too lazy to set a custom title
                                                                  • Dec 2004
                                                                  • 18646
                                                                  #17
                                                                  is it possible to get unlimited mileage with a leased car?
                                                                  I like turtles.

                                                                    Comment

                                                                    • BV
                                                                      wtf
                                                                      • Sep 2001
                                                                      • 10914
                                                                      #18
                                                                      Originally posted by sonofsam
                                                                      is it possible to get unlimited mileage with a leased car?
                                                                      not for free, but yes you can buy extra miles

                                                                        Comment

                                                                        • PinkElectric
                                                                          So Fucking Banned
                                                                          • Sep 2005
                                                                          • 1064
                                                                          #19
                                                                          Bdjuf, you´re still young...i wish you the very best! And that comes from the bottom of my heart!!

                                                                            Comment

                                                                            • candyflip
                                                                              Carpe Visio
                                                                              • Jul 2002
                                                                              • 43069
                                                                              #20
                                                                              Originally posted by chadglni
                                                                              Leasing is retarded, yes you can deduct the full lease payment but when you buy you OWN THE FUCKING CAR! The only time you want to lease vs buy is when you plan on swapping cars every 3 years for as long as you live.
                                                                              You know better than that man...you only OWN the car after you've made the final payment to the bank.

                                                                              After 4 years of payments you spent $30k on your $20k ride that's now worth $10k if you're lucky.

                                                                              Very few people pay for the car in full when they drive it off the lot. Probably less than 2%.

                                                                              I worked in car sales during the summer while in collage. In the two years I did this, I didn't deal with a single person who paid in full.

                                                                              Spend you some brain.
                                                                              Email Me

                                                                                Comment

                                                                                • sonofsam
                                                                                  Too lazy to set a custom title
                                                                                  • Dec 2004
                                                                                  • 18646
                                                                                  #21
                                                                                  Originally posted by PinkElectric
                                                                                  Bdjuf, you´re still young...i wish you the very best! And that comes from the bottom of my heart!!
                                                                                  bdjuf doesn't need luck.... hes already got an m3.... hes already in the top 1% of his age group
                                                                                  I like turtles.

                                                                                    Comment

                                                                                    • $5 submissions
                                                                                      I help you SUCCEED
                                                                                      • Nov 2003
                                                                                      • 32195
                                                                                      #22
                                                                                      Disclaimer: Ask your accountant. If you have a corporation, I'd suggest you LEASE. You only pay for the % of the car you use and you don't get stuck with a depreciating asset. Plus you get to swap out cars every three years.

                                                                                        Comment

                                                                                        • Alex
                                                                                          So Fucking Banned (YEA!!)
                                                                                          • Jun 2004
                                                                                          • 10963
                                                                                          #23
                                                                                          Originally posted by pornguy
                                                                                          CON= I paid 11k for mileage

                                                                                          You deserved it. Any mechanic can turn back the milege for a few hundred. Would have saved you 11k.
                                                                                          Care about me?
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                                                                                            • Sly
                                                                                              Let's do some business!
                                                                                              • Sep 2004
                                                                                              • 31377
                                                                                              #24
                                                                                              Originally posted by Alex

                                                                                              You deserved it. Any mechanic can turn back the milege for a few hundred. Would have saved you 11k.
                                                                                              You must know some shady mechanics as that is highly illegal. Both the mechanic and I suspect the payee can land in quite a bit of trouble if caught.
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                                                                                                • Alex
                                                                                                  So Fucking Banned (YEA!!)
                                                                                                  • Jun 2004
                                                                                                  • 10963
                                                                                                  #25
                                                                                                  Originally posted by Sly
                                                                                                  You must know some shady mechanics as that is highly illegal. Both the mechanic and I suspect the payee can land in quite a bit of trouble if caught.
                                                                                                  Like you really care. You would do the same thing if you knew it would save you 11k.

                                                                                                  Dont try to tell me you wouldnt.
                                                                                                  Care about me?
                                                                                                  Who?
                                                                                                  Me!
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                                                                                                    • Sly
                                                                                                      Let's do some business!
                                                                                                      • Sep 2004
                                                                                                      • 31377
                                                                                                      #26
                                                                                                      Originally posted by Alex
                                                                                                      Like you really care. You would do the same thing if you knew it would save you 11k.

                                                                                                      Dont try to tell me you wouldnt.
                                                                                                      Like I really care about paying large fines and possibly seeing steel bars? Actually, yeh, I do care. And furthermore, the punishment has nothing to do with paying the bill. If I rack up a bill, I pay it. I guess you aren't the honest type?

                                                                                                      I wouldn't rack up $11k in overages either. You can buy a new car with $11k. No offense pornguy, but what the fuck were you doing to rack up $11k in overages? That is just plain stupid.
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                                                                                                        • broke
                                                                                                          Confirmed User
                                                                                                          • Aug 2003
                                                                                                          • 4501
                                                                                                          #27
                                                                                                          Originally posted by BV
                                                                                                          Yep, technically you can deduct everything, gas maintenance all that shit as long as it's all used for business.
                                                                                                          How much business do you do via car??? I left my PC to get a slurpee...

                                                                                                          LOL


                                                                                                          Originally posted by BV
                                                                                                          Like when I bought my 50th Anniversary ZO6 Vette, 0% interest no money down for 5 years. Can't beat that. That's free money.
                                                                                                          No -- that's throwing away money without paying interest on the money thrown away.
                                                                                                          Perfect Gonzo

                                                                                                            Comment

                                                                                                            • broke
                                                                                                              Confirmed User
                                                                                                              • Aug 2003
                                                                                                              • 4501
                                                                                                              #28
                                                                                                              Originally posted by Alex
                                                                                                              Like you really care. You would do the same thing if you knew it would save you 11k.

                                                                                                              Dont try to tell me you wouldnt.
                                                                                                              Honestly -- it's never occurred to me.

                                                                                                              I understand that there are people like you out there that would cut out my eyes for $.10, but that's not me and I'm not going to worry about it.
                                                                                                              Perfect Gonzo

                                                                                                                Comment

                                                                                                                • xcitecash
                                                                                                                  Confirmed User
                                                                                                                  • Nov 2005
                                                                                                                  • 801
                                                                                                                  #29
                                                                                                                  anyone who needs real advice on this hit me up
                                                                                                                  I spent 10 years running 20 dealerships finance depts......

                                                                                                                  now i do this shit ..........

                                                                                                                    Comment

                                                                                                                    • Alex
                                                                                                                      So Fucking Banned (YEA!!)
                                                                                                                      • Jun 2004
                                                                                                                      • 10963
                                                                                                                      #30
                                                                                                                      Originally posted by broke
                                                                                                                      Honestly -- it's never occurred to me.

                                                                                                                      I understand that there are people like you out there that would cut out my eyes for $.10, but that's not me and I'm not going to worry about it.
                                                                                                                      Thats right. Go and compare $.10 to $10,000

                                                                                                                      Care about me?
                                                                                                                      Who?
                                                                                                                      Me!
                                                                                                                      Who?

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                                                                                                                        • broke
                                                                                                                          Confirmed User
                                                                                                                          • Aug 2003
                                                                                                                          • 4501
                                                                                                                          #31
                                                                                                                          Originally posted by Alex
                                                                                                                          Thats right. Go and compare $.10 to $10,000

                                                                                                                          Oops -- did I get out of 'character'.... sorry.

                                                                                                                          Fact remains -- you're a cheat that would scam someone by rolling back an odometer, if it meant $10K in your pocket. I'm not.

                                                                                                                          Put that in your pipe and smoke it... SCAMMER.
                                                                                                                          Perfect Gonzo

                                                                                                                            Comment

                                                                                                                            • Sly
                                                                                                                              Let's do some business!
                                                                                                                              • Sep 2004
                                                                                                                              • 31377
                                                                                                                              #32
                                                                                                                              Originally posted by Alex
                                                                                                                              Thats right. Go and compare $.10 to $10,000

                                                                                                                              I wouldn't risk going to jail for $10k anymore than I would risk going to jail for $0.10. Life must suck to think $10k is enough money to sell your soul.
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                                                                                                                                • pawsregd
                                                                                                                                  Confirmed User
                                                                                                                                  • Jun 2005
                                                                                                                                  • 2290
                                                                                                                                  #33
                                                                                                                                  Two words....write off

                                                                                                                                    Comment

                                                                                                                                    • Alex
                                                                                                                                      So Fucking Banned (YEA!!)
                                                                                                                                      • Jun 2004
                                                                                                                                      • 10963
                                                                                                                                      #34
                                                                                                                                      [QUOTE=Sly $10k is enough money to sell your soul.[/QUOTE]

                                                                                                                                      Are we talking about the same thing?
                                                                                                                                      Rolling back some miles on the odometer. Not killing my dealship owner to avoid the fee.
                                                                                                                                      Care about me?
                                                                                                                                      Who?
                                                                                                                                      Me!
                                                                                                                                      Who?

                                                                                                                                        Comment

                                                                                                                                        • broke
                                                                                                                                          Confirmed User
                                                                                                                                          • Aug 2003
                                                                                                                                          • 4501
                                                                                                                                          #35
                                                                                                                                          Is Alex affiliated with a program in any way???

                                                                                                                                          "No -- we won't scam you while rolling back our odometers."



                                                                                                                                          picassocash just got crossed of the list.
                                                                                                                                          Last edited by broke; 01-07-2006, 05:49 PM.
                                                                                                                                          Perfect Gonzo

                                                                                                                                            Comment

                                                                                                                                            • studiocritic
                                                                                                                                              Confirmed User
                                                                                                                                              • Jun 2005
                                                                                                                                              • 2442
                                                                                                                                              #36
                                                                                                                                              Originally posted by Alex
                                                                                                                                              Are we talking about the same thing?
                                                                                                                                              Rolling back some miles on the odometer. Not killing my dealship owner to avoid the fee.
                                                                                                                                              Alex needs all the cash he can get to cover that OSU-ND bet he didn't cover on.
                                                                                                                                              254342256

                                                                                                                                                Comment

                                                                                                                                                • $5 submissions
                                                                                                                                                  I help you SUCCEED
                                                                                                                                                  • Nov 2003
                                                                                                                                                  • 32195
                                                                                                                                                  #37
                                                                                                                                                  Another advantage re LEASING is you can WRITE OFF the expense on your taxes.

                                                                                                                                                    Comment

                                                                                                                                                    • Sly
                                                                                                                                                      Let's do some business!
                                                                                                                                                      • Sep 2004
                                                                                                                                                      • 31377
                                                                                                                                                      #38
                                                                                                                                                      Here's a little information about Odometer Fraud for any of you interested:
                                                                                                                                                      http://www.laag.org/publications/odometerfraud.htm

                                                                                                                                                      I haven't found the exact punishments yet but it is a felony.
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                                                                                                                                                        • LlEeOo
                                                                                                                                                          Registered User
                                                                                                                                                          • Jan 2006
                                                                                                                                                          • 16
                                                                                                                                                          #39
                                                                                                                                                          always lease, trust me .
                                                                                                                                                          SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, you may use a 624x80 instead of a 120x60. Let me repeat... A 120 x 60 button and no more that 3 lines of DEFAULT SIZE AND COLOR text.

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                                                                                                                                                            • johnnyhey
                                                                                                                                                              Confirmed User
                                                                                                                                                              • Jan 2004
                                                                                                                                                              • 1172
                                                                                                                                                              #40
                                                                                                                                                              Originally posted by chadglni
                                                                                                                                                              Leasing is retarded, yes you can deduct the full lease payment but when you buy you OWN THE FUCKING CAR! The only time you want to lease vs buy is when you plan on swapping cars every 3 years for as long as you live.
                                                                                                                                                              call me crazy, but i own a business and don't like driving a "beater" any longer
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                                                                                                                                                                • Theo
                                                                                                                                                                  HAL 9000
                                                                                                                                                                  • May 2001
                                                                                                                                                                  • 34515
                                                                                                                                                                  #41
                                                                                                                                                                  40 replies and so far none mentioned why actually leasing is popular in the business field and it's not the tax write off. Let's see lol

                                                                                                                                                                    Comment

                                                                                                                                                                    • BV
                                                                                                                                                                      wtf
                                                                                                                                                                      • Sep 2001
                                                                                                                                                                      • 10914
                                                                                                                                                                      #42
                                                                                                                                                                      Originally posted by broke
                                                                                                                                                                      How much business do you do via car??? I left my PC to get a slurpee...

                                                                                                                                                                      LOL




                                                                                                                                                                      No -- that's throwing away money without paying interest on the money thrown away.
                                                                                                                                                                      Go Fuck Yourself asshole and learn how to read.
                                                                                                                                                                      Like I said quote: "For one of my businesses I lease a Tahoe" It's not a website business. ASSume too much and you make an ass out of yourself.

                                                                                                                                                                      As far as you thinking me buying a vette is throwing away money, ask me if I care what the fuck you think. cocksmoker.

                                                                                                                                                                        Comment

                                                                                                                                                                        • iwantchixx
                                                                                                                                                                          Too lazy to set a custom title
                                                                                                                                                                          • Oct 2002
                                                                                                                                                                          • 12860
                                                                                                                                                                          #43
                                                                                                                                                                          keep in mind, mileage. You can get hit prety hard when you go to bring the car back.

                                                                                                                                                                          Example. Friend of mine thought it would be cheaper to lease her civic. big fucking mistake. She's at 130k already and has a half year left on the lease.

                                                                                                                                                                          They willc harge her 12c a kilometer over the 12k per year in the contract.

                                                                                                                                                                          That's $12,000 in excess mileage she has to pay. So she's forced to purchase teh car outright for $10,000. At $320 with tax per month she would have paid $11,520 into it with lease payments then another $10,000 to keep the car. So that's almost 22k for a 16k car that would have only costs her 18k with financing and taxes on the financing.

                                                                                                                                                                          Moral of the story is, if you can keep the mileage within the contract and are using the vehicle for business, sure go ahead and lease. If it's for personal and/or you do a lot of mileage, buy it and save yourself a ton. Justs ll it when you want a new one and walk away less ripped off.

                                                                                                                                                                            Comment

                                                                                                                                                                            • Mr. Marks
                                                                                                                                                                              Confirmed User
                                                                                                                                                                              • Jun 2001
                                                                                                                                                                              • 7517
                                                                                                                                                                              #44
                                                                                                                                                                              If you're a real businessman and not a hobbyist, leasing is the only way to go. So many benefits compared to buying. Not even close.

                                                                                                                                                                                Comment

                                                                                                                                                                                • DateDoc
                                                                                                                                                                                  Outside looking in.
                                                                                                                                                                                  • Feb 2005
                                                                                                                                                                                  • 14243
                                                                                                                                                                                  #45
                                                                                                                                                                                  I'm waiting for the day bdjuf posts that he bought something without asking GFY's advice. Something major that is and not some homo shoes!

                                                                                                                                                                                    Comment

                                                                                                                                                                                    • Dirk Reems
                                                                                                                                                                                      Registered User
                                                                                                                                                                                      • Aug 2004
                                                                                                                                                                                      • 82
                                                                                                                                                                                      #46
                                                                                                                                                                                      I got one question.
                                                                                                                                                                                      For example if somebody scratched your car on parking lot and when you return it to the dealership after leasing is done, do you have to pay for the damages?

                                                                                                                                                                                        Comment

                                                                                                                                                                                        • Theo
                                                                                                                                                                                          HAL 9000
                                                                                                                                                                                          • May 2001
                                                                                                                                                                                          • 34515
                                                                                                                                                                                          #47
                                                                                                                                                                                          Originally posted by Dirk Reems
                                                                                                                                                                                          I got one question.
                                                                                                                                                                                          For example if somebody scratched your car on parking lot and when you return it to the dealership after leasing is done, do you have to pay for the damages?
                                                                                                                                                                                          insurance covers everything and you are oglibated to have,it's part of the leasing contract

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                                                                                                                                                                                            • Dirk Reems
                                                                                                                                                                                              Registered User
                                                                                                                                                                                              • Aug 2004
                                                                                                                                                                                              • 82
                                                                                                                                                                                              #48
                                                                                                                                                                                              Originally posted by Soul_Rebel
                                                                                                                                                                                              insurance covers everything and you are oglibated to have,it's part of the leasing contract
                                                                                                                                                                                              Thanks man.

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                                                                                                                                                                                                • Veterans Day
                                                                                                                                                                                                  Confirmed User
                                                                                                                                                                                                  • Jul 2003
                                                                                                                                                                                                  • 8403
                                                                                                                                                                                                  #49
                                                                                                                                                                                                  if you idiots think you can turn back mileage on new cars, your lost in space. The PCM's have been recording mileage for years now. Never fly. Shit when I worked at Ford years ago, we always downloaded pcm specs on lease trade-ins.
                                                                                                                                                                                                  Build a Massive Traffic Network, Hands FREE, Totally Automated

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                                                                                                                                                                                                    • DateDoc
                                                                                                                                                                                                      Outside looking in.
                                                                                                                                                                                                      • Feb 2005
                                                                                                                                                                                                      • 14243
                                                                                                                                                                                                      #50
                                                                                                                                                                                                      Originally posted by Soul_Rebel
                                                                                                                                                                                                      insurance covers everything and you are oglibated to have,it's part of the leasing contract
                                                                                                                                                                                                      except for the deductible - 500, 1000 whatever yours is.

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