BMW 1 Series Coupe Forum / 1 Series Convertible Forum (1M / tii / 135i / 128i / Coupe / Cabrio / Hatchback) (BMW E82 E88 128i 130i 135i)
 





 

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      11-20-2012, 05:34 PM   #23
808@702
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And I have owned both.
My 135 was stock. And winding out an M3 is what its all about...
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      11-20-2012, 08:12 PM   #24
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We're exactly the same Jim. Probably I will enjoy my E82 first and while saving money and looking for the market. When the time comes I believe there will be a car that fits me. If not, then M3 is my future destination, not now. It is quite simple but I don't know why I make this thing hard. It might be because if I bought an M3 it will be my first M3, that also my dream car back when I was 10 years old.
That's exactly what I'm going to do man. I figure I'll drive it for a year or two, and save save save, then put my order in for a brand new one, with what color and options I want. I'd rather do it right the first time than waste money jumping into something without a warranty and that could potentially have problems.

Best of luck with your decision bud.
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      11-20-2012, 08:24 PM   #25
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Quote:
Originally Posted by DemolitionJim
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Originally Posted by CL 19 View Post
We're exactly the same Jim. Probably I will enjoy my E82 first and while saving money and looking for the market. When the time comes I believe there will be a car that fits me. If not, then M3 is my future destination, not now. It is quite simple but I don't know why I make this thing hard. It might be because if I bought an M3 it will be my first M3, that also my dream car back when I was 10 years old.
That's exactly what I'm going to do man. I figure I'll drive it for a year or two, and save save save, then put my order in for a brand new one, with what color and options I want. I'd rather do it right the first time than waste money jumping into something without a warranty and that could potentially have problems.

Best of luck with your decision bud.
Highly appreciate it Jim! Few mods in my mind just in case if I didn't satisfy with my N55 135i. Even though it's more expensive compared to other tuners, I will do Dinan Stage 2 tune that puts out 100 more lb ft and 50ish hp. Keeping a warranty is number one priority for me in any case! Thanks man
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      11-20-2012, 10:48 PM   #26
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My 135 was stock.
That would be why
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      11-21-2012, 09:28 AM   #27
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Quote:
Originally Posted by CL 19
We're exactly the same Jim. Probably I will enjoy my E82 first and while saving money and looking for the market. When the time comes I believe there will be a car that fits me. If not, then M3 is my future destination, not now. It is quite simple but I don't know why I make this thing hard. It might be because if I bought an M3 it will be my first M3, that also my dream car back when I was 10 years old.
Haha im doin the same thing but im paying off my little polo tdi and then Just saving for a bmw 135 convertible. goodluck it sure is annoying having to wait!
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      11-21-2012, 11:10 AM   #28
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Haha im doin the same thing but im paying off my little polo tdi and then Just saving for a bmw 135 convertible. goodluck it sure is annoying having to wait!
I never understand when people say "paying off"..
My car loan is at like 2.9% .. i could pay it off tomorrow if i wanted. I am making like 10-15% in the market and took part of that money into real estate. have zero desire and would actually take a financial hit to "pay off" the car.
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      11-21-2012, 11:49 AM   #29
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I never understand when people say "paying off"...
Some people don't have the spare funds lying around to pay for a car in bulk.
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      11-21-2012, 12:41 PM   #30
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I never understand when people say "paying off"..
My car loan is at like 2.9% .. i could pay it off tomorrow if i wanted. I am making like 10-15% in the market and took part of that money into real estate. have zero desire and would actually take a financial hit to "pay off" the car.
Really?

I never financed any car, and unless you get at least 2.9% interest on your investment, it's also piece of mind and very satisfying not owing anything to any bank. So if I have the cash on hand, I would always purchase right out, I hate the thought of paying money for nothing. I was always thought that if you don't have the money, you can't afford it and had to save for it, obviously that strategy went out of the window with my first house purchase which took 15 Years to get get into the clear!
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      11-21-2012, 01:12 PM   #31
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Cash on hand is ALWAYS more valuable than car wrapped up in a depreciating asset.
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      11-21-2012, 02:43 PM   #32
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Originally Posted by KrisM3
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Originally Posted by 808@702 View Post
My 135 was stock.
That would be why
Bingo. Factory FI means there is a good bit of torque left on the table just waiting to be tuned back into it.
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      11-21-2012, 03:41 PM   #33
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Full cash will always the best option when buying a car, lol. Not owing anything to the dealer nor the bank.
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      11-21-2012, 03:49 PM   #34
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Quote:
Originally Posted by golf_234 View Post
I never understand when people say "paying off"..
My car loan is at like 2.9% .. i could pay it off tomorrow if i wanted. I am making like 10-15% in the market and took part of that money into real estate. have zero desire and would actually take a financial hit to "pay off" the car.
Well i wasnt given the car so i had to get a vehicle loan in order to get it. So i need to pay it off. After that im gona save till i can buy the bmw 135i cash...i also dont wana do monthly payments but have to start somewhere.

No other way arround it im affraid.
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      11-21-2012, 10:36 PM   #35
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Full cash will always the best option when buying a car, lol. Not owing anything to the dealer nor the bank.
So you buy the car for full cash then have a return of approximately -10% each year until the car is essentially worthless. The loan option costs you ~3% but allows you to put the rest of your available cash into the market and actually earn you money. I simply can not see how full cash up front on a depreciating asset will save you money.
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      11-21-2012, 10:54 PM   #36
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Except that there is no guarantee that you will make above 3%, even the best investor cannot assure that.
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      11-22-2012, 02:22 PM   #37
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Except that there is no guarantee that you will make above 3%, even the best investor cannot assure that.
There is no guarantee you won't. If you have investments making more than the cost of your loan, it is silly to pay it off. You pay the car out of dividend if at all possible
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      11-22-2012, 08:00 PM   #38
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Except that there is no guarantee that you will make above 3%, even the best investor cannot assure that.
Unless of course you live in Australia, I get 5% just leaving money in the bank...

But then again my 135i also cost about $80k USD
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      11-23-2012, 06:28 AM   #39
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Except that there is no guarantee that you will make above 3%, even the best investor cannot assure that.
Unless of course you live in Australia, I get 5% just leaving money in the bank...

But then again my 135i also cost about $80k USD
You never know what will happen to the economy and there's always trade off between bad and good. After all I'm not eligible to do loan or financing , lol
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