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F10 / F11 (2011 - Current)
The new chapter in the highly successful story of the BMW 5 Series Sedan (F10) and wagon (F11)

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  #76  
Old 09-10-2012, 11:44 AM
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Ralph1201 Ralph1201 is offline
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Quote:
Originally Posted by Leslierc View Post
I agree with you regarding the practicality of the 528i, even though Prius owners might provide some friendly argument in opposition to your point. For me, though, it's more about the personal satisfaction of driving something that I like a lot, can afford, and makes be happy.
Great! maybe i misunderstood your post about insanity.
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  #77  
Old 09-10-2012, 11:54 AM
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Leslierc Leslierc is online now
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Originally Posted by Ralph1201 View Post
Great! maybe i misunderstood your post about insanity.
Intended only as purely self deprecating humor.
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  #78  
Old 09-10-2012, 12:20 PM
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Originally Posted by AggieKnight View Post
If space aliens moved my house from the ATL to the San Jose area, it would be worth in excess of $4M.
You can then sell it pay a commission to the space aliens and still retire.
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  #79  
Old 09-10-2012, 12:21 PM
Beemerican Beemerican is offline
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Ok so I have a friend (more like loose acquaintance) that was declined by BMW FS on the purchase of an F10...so he went to several banks and got 4 loans at 20k each. He refuses to tell me his interest rates and the payments on each loan and simply declares that being able to walk back into the dealership and pay "cash" a week after getting clowned out of there is well worth it. This is my definition of reckless abandon. He is single, no known kids, rents an apt. Thoughts...
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  #80  
Old 09-10-2012, 12:23 PM
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Originally Posted by tadtaggert View Post
S...When you're younger, drive a car an extra year or two after it's paid off and save something. Later when you walk into a dealership you can just negotiate a good deal and write them a check.
I can't imagine ever owning a car, I have been leasing for 15yrs+. While I agree that it is not the best financial decision, I also had a family member die at a young age and the money he saved - went to his funeral expenses.

"Everybody has a plan 'til they get punched in the face" - Mike Tyson

I say live now and enjoy the ride. At some point life will FORCE you to be prudent, fight it as long as you can.
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  #81  
Old 09-10-2012, 12:27 PM
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BMWs are considered a luxury item. Life is too short not to enjoy the little things. But of course, you need to know your finances, budget and be within your limits.
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  #82  
Old 09-10-2012, 12:30 PM
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Quote:
Originally Posted by Beemerican View Post
Ok so I have a friend (more like loose acquaintance) that was declined by BMW FS on the purchase of an F10...so he went to several banks and got 4 loans at 20k each. He refuses to tell me his interest rates and the payments on each loan and simply declares that being able to walk back into the dealership and pay "cash" a week after getting clowned out of there is well worth it. This is my definition of reckless abandon. He is single, no known kids, rents an apt. Thoughts...
Why are you talking trash about me Bee???

This is not about income, but rather pride. I wonder how he got 4 loans without the collateral??? If I were him I would have bought a Benz and then honked as I drove by :-)

I am single, no kids, and sold my home in FL in 2006 (before the crash) and very financially irresponsible. But I am happy as a mother #$%@***$, now if I could just get my hair back and lose a few lbs..
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  #83  
Old 09-10-2012, 12:35 PM
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miamiboyca miamiboyca is offline
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Quote:
Originally Posted by AggieKnight View Post
You obviously don't live in America!
(I kid...I kid...)

The point on region of America and Cost of Living is well made. I've recently been looking at homes in the Bay Area (lightly considering a relocation opportunity). If space aliens moved my house from the ATL to the San Jose area, it would be worth in excess of $4M. That would put a damper in my car slush fund.

My gross income is irrelevant in the equation. What is relevant is what my wife lets me spend of my paycheck.
Perception changes all the time.

I moved from Miami to the Bay Area (San Jose) in 2006 ish and I remember being at my girlfriends house and say You paid $600K for this piece of ... (Obviously, I sent flowers ) Here I am 4 years later in Dallas and when I see a house for $200K my first reaction is to question if its in the ghetto... LOL

BTW - for those of you who live in CA... the weather is worth the price difference!!!
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  #84  
Old 09-10-2012, 12:38 PM
Beemerican Beemerican is offline
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Quote:
Originally Posted by miamiboyca View Post
Why are you talking trash about me Bee???

This is not about income, but rather pride. I wonder how he got 4 loans without the collateral??? If I were him I would have bought a Benz and then honked as I drove by :-)

I am single, no kids, and sold my home in FL in 2006 (before the crash) and very financially irresponsible. But I am happy as a mother #$%@***$, now if I could just get my hair back and lose a few lbs..
No no my friend! No trash talk intended or implied. I am merely posting an example as to how far people will go to get the things they really want.
I am of the live for today mindset myself. Seen too many of my frugal friends scrimp and save and miss out on life only to have it cut short by an IED. I save some but I won't let my savings plan interfere with my living plan. Hahahahaha! My portfolio lost nearly 30k last year. My BMW didn't depreciate that much!!
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  #85  
Old 09-10-2012, 01:03 PM
The X Men The X Men is offline
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A better question might be what percentage of your play money do you spend on car payments. Some people spend thousands a year for vacations, cigarettes, gambling, strip clubs, boat etc. etc. Some people just choose to spend most of their play money on their car, there is absolutely nothing wrong with that if they can afford it.
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  #86  
Old 09-10-2012, 01:08 PM
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Quote:
Originally Posted by Beemerican View Post
No no my friend! No trash talk intended or implied. I am merely posting an example as to how far people will go to get the things they really want.
Was joking... insinuating that I was the acquaintance.



Quote:
Originally Posted by The X Men View Post
A better question might be what percentage of your play money do you spend on car payments. Some people spend thousands a year for vacations, cigarettes, gambling, strip clubs, boat etc. etc. Some people just choose to spend most of their play money on their car, there is absolutely nothing wrong with that if they can afford it.
Is it wrong to do all of the above?
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  #87  
Old 09-10-2012, 01:19 PM
Beemerican Beemerican is offline
Hey man, check this out..
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Quote:
Originally Posted by miamiboyca View Post
Was joking... insinuating that I was the acquaintance.





Is it wrong to do all of the above?
It's not wrong to do any of the above if you are pimpin an F10!!
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  #88  
Old 09-10-2012, 01:23 PM
kc1953 kc1953 is offline
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Originally Posted by miamiboyca View Post
I can't imagine ever owning a car, I have been leasing for 15yrs+. While I agree that it is not the best financial decision, I also had a family member die at a young age and the money he saved - went to his funeral expenses.

"Everybody has a plan 'til they get punched in the face" - Mike Tyson

I say live now and enjoy the ride. At some point life will FORCE you to be prudent, fight it as long as you can.
The question is how long before one becomes prudent. I have seen many wait too long, and that is tragic as well.
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  #89  
Old 09-10-2012, 01:25 PM
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miamiboyca miamiboyca is offline
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Originally Posted by kc1953 View Post
The question is how long before one becomes prudent. I have seen many wait too long, and that is tragic as well.
KC there is nothing more tragic than a youth not mis-spent...
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  #90  
Old 09-10-2012, 01:30 PM
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Originally Posted by miamiboyca View Post
KC there is nothing more tragic than a youth not mis-spent...
All a matter of degree, no?
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  #91  
Old 09-10-2012, 02:09 PM
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Originally Posted by miamiboyca View Post
BTW - for those of you who live in CA... the weather is worth the price difference!!!
I find this statement to be the most accurate piece of the entire thread. I've lived in California my entire life, but have traveled a decent portion of the country. I've yet to find a better spot, weather-wise, to wake up each and every day.

Granted, my idea of great weather isn't everyone's. My wife wants us to "move to a place with seasons (translated - snow and various manifestations of wet)." OY!
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  #92  
Old 09-10-2012, 02:23 PM
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Quote:
Originally Posted by Beemerican View Post
Ok so I have a friend (more like loose acquaintance) that was declined by BMW FS on the purchase of an F10...so he went to several banks and got 4 loans at 20k each. He refuses to tell me his interest rates and the payments on each loan and simply declares that being able to walk back into the dealership and pay "cash" a week after getting clowned out of there is well worth it. This is my definition of reckless abandon. He is single, no known kids, rents an apt. Thoughts...
This is why we need more regulation in this country! Tax returns should determine if somebody is allowed to make a specific large purchase
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  #93  
Old 09-10-2012, 02:24 PM
MELLOWYELLOW06 MELLOWYELLOW06 is offline
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  #94  
Old 09-10-2012, 02:55 PM
Alpine300ZHP Alpine300ZHP is offline
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Quote:
Originally Posted by Beemerican View Post
Ok so I have a friend (more like loose acquaintance) that was declined by BMW FS on the purchase of an F10...so he went to several banks and got 4 loans at 20k each. He refuses to tell me his interest rates and the payments on each loan and simply declares that being able to walk back into the dealership and pay "cash" a week after getting clowned out of there is well worth it. This is my definition of reckless abandon. He is single, no known kids, rents an apt. Thoughts...
Thoughts....yes many of them and none of them polite enough to post here. It is his life, but what he just did is about the dumbest financial decision one could make. Hope he loves the car enough to make up for it. If I were him I would have purchased a 20k Jetta that I could afford and wait until I could afford what I want, but that is just me.
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  #95  
Old 09-10-2012, 03:05 PM
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My lemonade stand generates 85.76$/Week net. I forecast a 15% increase next month due to a drop in price of lemons.
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  #96  
Old 09-10-2012, 03:20 PM
Beemerican Beemerican is offline
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Originally Posted by Ilan View Post
My lemonade stand generates 85.76$/Week net. I forecast a 15% increase next month due to a drop in price of lemons.
Sooooo...if I open a shaved ice Vodka store next to yours. Do you think the electric lemonade will boost sales?
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  #97  
Old 09-10-2012, 03:34 PM
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miamiboyca miamiboyca is offline
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Originally Posted by Alpine300ZHP View Post
Thoughts....yes many of them and none of them polite enough to post here. It is his life, but what he just did is about the dumbest financial decision one could make. Hope he loves the car enough to make up for it. If I were him I would have purchased a 20k Jetta that I could afford and wait until I could afford what I want, but that is just me.
Hmmm - to clear though financial resources does not necessarily jive with credit score. So he/she may be able to afford it, but maybe in the past something affected his credit that still keeps him from being able to get the loan.
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  #98  
Old 09-10-2012, 03:42 PM
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Stealth.Pilot Stealth.Pilot is offline
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Originally Posted by Beemerican View Post
Sooooo...if I open a shaved ice Vodka store next to yours. Do you think the electric lemonade will boost sales?
Great idea. And I will open a DUI defense shop a mile down the street. I can even give you guys a cut for demand generation.
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  #99  
Old 09-10-2012, 03:58 PM
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miamiboyca miamiboyca is offline
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Originally Posted by Raddius View Post
I find this statement to be the most accurate piece of the entire thread. I've lived in California my entire life, but have traveled a decent portion of the country. I've yet to find a better spot, weather-wise, to wake up each and every day.

Granted, my idea of great weather isn't everyone's. My wife wants us to "move to a place with seasons (translated - snow and various manifestations of wet)." OY!
Don't get me started. Its amazing how you mature and your thinking really changes over the years.

Then
What a bunch of morons to pay all that money just to live in California for weather. Bunch of hippy. sissy ass, coffee drinking, wine sipping... well you get the idea.

Now
I miss the weather and complain when it is below 40 or above 85, stand in line at Starbucks for 15 minutes, order my wine from my favorite winery directly in Napa (where I am on first name basis with the guy).

Oh California how I miss you...

Now I am in TX.. great people but OMFG 106 degrees... really? I mean really?
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  #100  
Old 09-10-2012, 04:08 PM
The X Men The X Men is offline
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Great idea. And I will open a DUI defense shop a mile down the street. I can even give you guys a cut for demand generation.
If Obama get elect again, I am going to open up a road paving business. There is this river road near my house that must have been repave over 4 times in the last 3 years under Obama's American jobs act. I think the four 6' x 6' American jobs act signs themself cost about $1000 a piece.
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