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  • Re: Свой truck.

    бери, Вейвер, семисотку!!! на автомате. один раз живем!!!

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    • Re: Свой truck.

      Originally posted by Tp-Tp Mитя
      Да. остается. Тока его стоимость уже не $120 тыс., а те же 40-50. Так что получается те же 70т точно так же ушли в никуда. А так пробег к тому времени уже под поллимона, то появляется проблема выгодно продать его, что бы взять новый. В случае с лизингом, по истечении трех лет, если оно шибко надо, то можно его взять в кредит по остаточной стоимости или просто поменять на новый трак.
      Наткнулся на интересную статью о лизинге (для перевода копируйте в https://translate.google.com - смысл будет понятен):

      Recently, OOIDA’s Business Assistance Department has noticed an alarming increase in people signing on to lease-purchase programs with large motor carriers. Our experience in reviewing these contracts and receiving numerous complaints over the years tells us these programs almost never benefit anyone except the motor carriers and should be avoided.
      Admittedly, at first glance a lease-purchase agreement can seem attractive – no credit check, no down payment, and truck payment generated from load pay.
      Sounds like a good deal, right?
      Well, what may not be clear if you fail to read the fine print is that if you sign one of these, you will have no ownership rights until the truck is paid off. One real big catch is that the truck must remain leased with the company that “owns” it. That is the motor carrier.
      What that means is you are tied to that company and unable to drive the truck wherever you want. Also, truck payments are usually deducted weekly instead of your making a monthly payment, and the truck payment is taken out before you receive your paycheck even if it means you receive a negative pay slip.
      And that’s just a start.
      Typical complaints we receive include:

      Truck needs constant repairs;
      Never receive a paycheck;
      Miles have been cut;
      No paycheck and getting further and further in the hole with the company;
      Can’t generate any money, and the company refuses to let you move the truck;
      Couldn’t make it so I turned the truck in and went back to being a company driver, but the company is still charging me payments on the truck; and
      Company requires a separate maintenance (escrow) account, but I never get to use it when the truck needs repairs. There may be other escrow accounts, too.

      Over the years, we have dealt with carriers that leased out trucks on which they did not hold titles. Some carriers that filed bankruptcy or simply closed their doors would often leave the equipment unsecured or not paid for, which meant the lessee lost the truck and all the money already paid toward it.
      In one case, we dealt with a company whose company shop charged unbelievable fees for repairs on equipment they took back after a default. Trick is, they never made the repairs.
      This same company would continue to charge lease payments to the original lessee on equipment they had already leased to another driver – with that driver making payments as well.
      When the original drivers refused to pay and demanded the maintenance and escrow money back, they were provided with bills showing outstanding balances owed to the company. This company went a step further by turning these outstanding debts over to a collection agency. To this day, the drivers who were in this company’s lease-purchase program are fighting the effects of a bad credit score.
      Probably the best way to avoid being ripped off in a lease-purchase situation is to not enter into one. But if you still think you can be one of the rare success stories, here are some things to check before you sign the dotted line.
      Run the numbers. Even if you are lucky enough to complete the lease, in most cases you may pay far more than the equipment is worth.

      Ask about the title. Does the company have a clear title or is the equipment financed?
      Is the finance company aware the equipment is being leased?
      What assurances can they give you that when you make your payments, they will make theirs?
      How many lessees has the equipment had? (This is a big one. If other drivers were in a lease on this equipment, what happened to them?)
      Check the mileage. Does it make sense for the year of the truck?
      Ask for maintenance records.
      Ask about freight availability. You can also check into the availability by talking to drivers before you have your meeting with the company.
      Beware of companies that have a company driver fleet as well as a lease-purchase fleet. The company pays the expenses on company trucks so those trucks will be dispatched first and for the best loads.
      What items are going to be charged back to you besides the truck payment? You need the cost breakdown, not just the list of items, and then run the numbers again. Determine how much revenue you will need to generate each week to keep your head above water. Then balance that out with the number of miles you believe you will realistically be dispatched.
      Review the contract completely to understand each and every condition specified in it. Watch for additional charges that will be assessed for excessive mileage, or clauses that allow the company to take the equipment back should you default. Also understand the conditions that warrant a default.
      Many agreements state you are in default if you fall behind on even one payment. This is important because the company controls the amount of revenue you generate.

      When considering a lease-purchase program, remember that until the final payment is made, you are paying the bills, expenses, insurance, maintenance, repairs and taxes on equipment owned and controlled by someone else. At any time during your agreement you could lose the equipment and your investment.
      Are you really ready to sign up for that?
      Keep in mind this question: If there was so much money to be made by owning a truck, why would the company be trying so hard to sell you theirs? LL

      This article was prepared by OOIDA’s Business Assistance Department, with OOIDA Executive Vice President Todd Spencer.

      Comment


      • Re: Свой truck.

        Хорошая статья, правильная. Ей уже лет 5-6 если не ошибаюсь, однако жертв хватает. Не всё так однозначно, в казино тоже кто то выигрывает, однако это не меняет правил. "Casino always wins!"

        Comment


        • Re: Свой truck.

          Originally posted by Solo379
          Хорошая статья, правильная. Ей уже лет 5-6 если не ошибаюсь, однако жертв хватает. Не всё так однозначно, в казино тоже кто то выигрывает, однако это не меняет правил. "Casino always wins!"
          Отличная память Solo! Статья вышла сразу после кризиса в 2009 году. Но, как я понимаю, за это время в лизе принципиально ничего не изменилось. Так же как и то, что для потребителя это был и есть самый дорогой способ приобретения собственности, если использовать опцию выкупа. Мы в колледже как-то прсчитывали оба метода - лиз vs. кредит - разница была существенной...

          Comment


          • Re: Свой truck.

            Дело даже не в разнице, вернее не столько в ней, а в том что они контролируют полностью твой инком. Т.е. по существу, ты находишься в рабстве у трака. Однако везде и всегда есть варианты, кто то и в безнадежном деле может остаться с выигрышем. Вон посмотри хотя бы на лоттерею....
            Вот почитай например....
            Right or wrong, I'm doing it - Page 1

            Comment


            • Re: Свой truck.

              Originally posted by Beckenbauer View Post
              Наткнулся на интересную статью о лизинге (для перевода копируйте в https://translate.google.com - смысл будет понятен):

              Recently, OOIDA’s Business Assistance Department has noticed an alarming increase in people signing on to lease-purchase programs with large motor carriers. Our experience in reviewing these contracts and receiving numerous complaints over the years tells us these programs almost never benefit anyone except the motor carriers and should be avoided.
              Admittedly, at first glance a lease-purchase agreement can seem attractive – no credit check, no down payment, and truck payment generated from load pay.
              Sounds like a good deal, right?
              Well, what may not be clear if you fail to read the fine print is that if you sign one of these, you will have no ownership rights until the truck is paid off. One real big catch is that the truck must remain leased with the company that “owns” it. That is the motor carrier.
              What that means is you are tied to that company and unable to drive the truck wherever you want. Also, truck payments are usually deducted weekly instead of your making a monthly payment, and the truck payment is taken out before you receive your paycheck even if it means you receive a negative pay slip.
              And that’s just a start.
              Typical complaints we receive include:

              Truck needs constant repairs;
              Never receive a paycheck;
              Miles have been cut;
              No paycheck and getting further and further in the hole with the company;
              Can’t generate any money, and the company refuses to let you move the truck;
              Couldn’t make it so I turned the truck in and went back to being a company driver, but the company is still charging me payments on the truck; and
              Company requires a separate maintenance (escrow) account, but I never get to use it when the truck needs repairs. There may be other escrow accounts, too.

              Over the years, we have dealt with carriers that leased out trucks on which they did not hold titles. Some carriers that filed bankruptcy or simply closed their doors would often leave the equipment unsecured or not paid for, which meant the lessee lost the truck and all the money already paid toward it.
              In one case, we dealt with a company whose company shop charged unbelievable fees for repairs on equipment they took back after a default. Trick is, they never made the repairs.
              This same company would continue to charge lease payments to the original lessee on equipment they had already leased to another driver – with that driver making payments as well.
              When the original drivers refused to pay and demanded the maintenance and escrow money back, they were provided with bills showing outstanding balances owed to the company. This company went a step further by turning these outstanding debts over to a collection agency. To this day, the drivers who were in this company’s lease-purchase program are fighting the effects of a bad credit score.
              Probably the best way to avoid being ripped off in a lease-purchase situation is to not enter into one. But if you still think you can be one of the rare success stories, here are some things to check before you sign the dotted line.
              Run the numbers. Even if you are lucky enough to complete the lease, in most cases you may pay far more than the equipment is worth.

              Ask about the title. Does the company have a clear title or is the equipment financed?
              Is the finance company aware the equipment is being leased?
              What assurances can they give you that when you make your payments, they will make theirs?
              How many lessees has the equipment had? (This is a big one. If other drivers were in a lease on this equipment, what happened to them?)
              Check the mileage. Does it make sense for the year of the truck?
              Ask for maintenance records.
              Ask about freight availability. You can also check into the availability by talking to drivers before you have your meeting with the company.
              Beware of companies that have a company driver fleet as well as a lease-purchase fleet. The company pays the expenses on company trucks so those trucks will be dispatched first and for the best loads.
              What items are going to be charged back to you besides the truck payment? You need the cost breakdown, not just the list of items, and then run the numbers again. Determine how much revenue you will need to generate each week to keep your head above water. Then balance that out with the number of miles you believe you will realistically be dispatched.
              Review the contract completely to understand each and every condition specified in it. Watch for additional charges that will be assessed for excessive mileage, or clauses that allow the company to take the equipment back should you default. Also understand the conditions that warrant a default.
              Many agreements state you are in default if you fall behind on even one payment. This is important because the company controls the amount of revenue you generate.

              When considering a lease-purchase program, remember that until the final payment is made, you are paying the bills, expenses, insurance, maintenance, repairs and taxes on equipment owned and controlled by someone else. At any time during your agreement you could lose the equipment and your investment.
              Are you really ready to sign up for that?
              Keep in mind this question: If there was so much money to be made by owning a truck, why would the company be trying so hard to sell you theirs? LL

              This article was prepared by OOIDA’s Business Assistance Department, with OOIDA Executive Vice President Todd Spencer.
              Один из многочисленных примеров работы финансовых схем, не более. Таких примеров можно приводить тысячи, практически во всех сферах деятельности современного общества, и во главе всего этого стоит очень отлаженная работа ФИНАНСОВОЙ СИСТЕМЫ, отточенной тысячелетиями. Любое финансирование это петля, в которую людей затаскивают по доброй воле. Одно дело, когда петля наброшена "на руку" или "на ногу", и есть шанс выпутаться с помощью оставшихся конечностей. Другое дело когда она "на шее", где процент шансов уцелеть практически сводиться "к нулю"...

              О чём это я? Да всё о том же, хотите избежать "летального исхода", не лезьте в петлю с головой, лучше используйте её (голову) по прямому назначению.

              С Новым Годом вас друзья и всех благ! И чтобы не дай Бог, никому и никогда, попасть в тотальную финансовую зависимость! Удачи всем в 2015!!!

              Comment


              • Re: Свой truck.

                В тему.Два часа назад(успел до нового года) повесил себе 30 пэйментов(обновил рифер),мог взять за кэш,но надоть восстанавливать кредитную историю(подпорченную изрядно)-пришдлсь финансироваться.

                Truck inside 294.jpg

                Comment


                • Re: Свой truck.

                  С обновкой! Однако кто то мне говорил, что когда финансируешь экуипмент, история идет только специфическая. Кстати тоже не мог найти в своей выплаты по траку....

                  Comment


                  • Re: Свой truck.

                    Originally posted by Solo379 View Post
                    С обновкой! Однако кто то мне говорил, что когда финансируешь экуипмент, история идет только специфическая. Кстати тоже не мог найти в своей выплаты по траку....
                    Хоть какая нибудь,надо с мертвой точки сдвинуться.Господа и дамы-берегите кредитную историю смолоду

                    Comment


                    • Re: Свой truck.

                      [QUOTE=RedOctober;864892]В тему.Два часа назад(успел до нового года) повесил себе 30 пэйментов(обновил рифер),мог взять за кэш,но надоть восстанавливать кредитную историю(подпорченную изрядно)-пришдлсь финансироваться.:

                      Может кому интересно - почти в каждом банке есть специальные продукты для улучшения/восстановления кредитной истории. А есть маленькие credit union которые специализируются на такого рода инструментах:

                      1. Trucker loan (может называться и по другому) - открывается кредитный счёт на $500, но деньги не выплачиваются клиенту, а зачисляются на сберегательный счёт на его имя. Когда клиент погашает кредит - сбережения плюс проценты выплачиваются назад клиенту. Такой "фиктивный" кредит поднимает credit score в год при полной его выплате примерно на 60 пунктов. Отдельные личности с очень плохой историей (обычно после банкротства) открывают по 3 и более таких кредитов. С ними как правило работают адвокаты по прохождению через банкротство, так вот они их и направляют в такие специализирующиеся банки.
                      2. Credit cards secured (здесь всё просто и они предлагаются почти в любом банке) - под депозит допустим в $500 открывается кредитная линия на эту сумму на год. Вы регулярно ей пользуетесь и выплачиваете соответственно. Здесь важно, чтобы эта карта сообщалась (reported - немного неправильный перевод) в 3 основных кредитных института определяющих кредитный скор: Experian, TransUnion, & Equifax.
                      3. Можно также работать с "обычными" кредитными картами - разделить небольшую сумму, допуситм $1,000 на 12 и выплачивать её регулярно/ ежемесячно. Свяжитесь со своей кредитной компанией - они это делают охотно, т.к. процент обычно большой, как правило двухзначный. Здесь главное - небольшая сумма кредита, тогда будет не так больно.

                      Самое интересное что всякого рода махинаторы знают об этих продуктах и прекрасно в них ориентируются, а обычные клиенты нет. Я видел как такого рода специлисты, поднимали свой скор за пару тройку лет и опять давай кредит! А кредит юнион созданное для такого рода бизнеса по определению должен помогать этому клиенту. У них как правило прописан короткий срок для выдачи кредитов после банкротства...

                      Comment


                      • Re: Свой truck.

                        Originally posted by RedOctober View Post
                        Господа и дамы-берегите кредитную историю смолоду
                        Присоединяюсь к совету. Разница между плохой и отличной кредитной историей, может съэкономить много тысяч $$$. Кроме того это просто как ваша "визитная карта"!

                        Comment


                        • Re: Свой truck.

                          Подскажите где выгоднее будет открыть свою компанию? На выбор такие штаты Иллинойс, Флорида, Северная каролина. Где какие таксы? где выгоднее оформить все? Зависит ли от штата иншунернс? Сколько он стоит на трак и на легковую в этих штатах?

                          Comment


                          • Re: Свой truck.

                            Originally posted by RedOctober View Post
                            В тему.Два часа назад(успел до нового года) повесил себе 30 пэйментов(обновил рифер),мог взять за кэш,но надоть восстанавливать кредитную историю(подпорченную изрядно)-пришдлсь финансироваться.

                            [ATTACH=CONFIG]31663[/ATTACH]
                            Дима, поздравляю! Все как надо, с юбочками! )

                            Comment


                            • Re: Свой truck.

                              Тракеры, вот самый правильный дизайн!

                              Comment


                              • Re: Свой truck.

                                Originally posted by nawarra View Post
                                Дима, поздравляю! Все как надо, с юбочками! )

                                Спасибо!Только что обратил внимание,трейлер(муж.рода) - в юбке и решетки, на рифере ,какого то подозрительного цвета(в духе времени ).Сразу скажу(поймите правильно )выбирал я его ,по другим характеристикам.

                                Comment

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