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<<Before I go any further, let me say that if David and I met face to face, I'm sure we would get along great and he would find me friendly and diplomatic.>>

Likewise, I'm sure. :)

I think the biggest difference in the comparisons is our starting assumptions. For example, with a car you negotiate your best price. Then you choose the financing or the rebate, which I interpret as "free money."

With a house, you negotiate your best price, then you pay more money for better financing.

I believe the difference is mostly semantics. But if you can't get the car dealer or the house seller to budge another inch on price, I see the car purchase a little differently because it is almost like someone walking in and giving the dealer a $1500 payment in your benefit. I wish someone would offer such a thing for a house. ;)

In either case, both of us are right. It's kind of like asking what is on a quarter? Washington or an eagle? The answer is "It depends on which side you are looking at." But either answer is correct.

Have a wonderful weekend!

David (But I'm not) Boring
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