re: Leasing a vehicle

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Their calulations never factor in things like your concept of normal wear

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What is considered normal wear is spelled out in the lease agreement.

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and the dealer's not being quite the same.

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What does this have to do with it? When you lease, the lease is done through whatever financing arm the manufacturer designates and the dealer gets paid just like they sold you the car. Inspections are done by a 3rd party inspection company which is many times designated in the lease agreement and you don't have to return the car to the same dealership you purchased it from.

The biggest problem with leases is that most people don't go into it fully educated which really isn't different from people not understanding credit card cardholder agreements or mortgage closing documents People = stupid.