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...rich fantasy life is important, but a fantasy life that drains your riches is, in this particular economy, perhaps not the greatest idea. And yet there you are - if you count yourself among the millions of Americans who indulge in fantasy football - spending your hard-earned money and precious time pretending to be an NFL general manager. Tom Brady is not really on your team, my sweet - dare I say deluded? - friend. Your draft decisions don't affect reality. They only, sadly, bore your nonfantasy friends...
...before you conclude that this trend is the final sign that American education is doomed, know this: fantasy math may be working. According to preliminary research by the University of Mississippi, most teachers who use Flockhart's program are reporting higher levels of math enthusiasm - and better grades - among students...
Then there's the current-day math. A good many carmakers - among them VW - are offering no-interest loans for new cars, while others are advertising rates ranging from 1.9% to 3% for 24-, 36- and 60-month loans. (Compare that with the 5%-to-6% rates for used cars.) "This has been some year," notes Craig Rosenfeld, founder of the Vision Auto Group in Leesport, Pa., which sells Porsches, Audis and VWs. "There have been a lot of changes in marketplace dynamics, in buying habits, sales strategies. We're seeing a lot of traffic, a lot of interesting things...
...want to drive some hot number off a dealer's lot this afternoon, perhaps a higher-priced, geeked-out cruiser you might not be able to afford. Despite all the sales rebates, leasing is still a viable alternative. It's not as popular as it was among manufacturers, whose bad arithmetic cost them a fortune a few years back. But if you can find a leasable model you like - GMAC Financial Services and GM are offering packages for the 2009 Cadillac CTS, several new Chevrolet models and the 2010 Buick Enclave and LaCrosse - the numbers might work if you drive...
...drive more miles than the lease allows, return the vehicle to the dealer in lousy shape or terminate the lease early, you could be on the hook for some heavy fees, which can dramatically add to a car's overall cost. That's one reason Consumer Reports, among other reputable research outfits, has long determined that purchasing, rather than leasing, makes better financial sense for most individual drivers...