Ask a dealer

[morgie2]

I am getting the Navigation system in my 135i. Do I still need LOJACK? Can't the BMW Assist track the GPS of the car? If I do need LOJACK, what would a fair price be?

[Bruck]

From what i've read on different forums, BMW assist can do that, but its not fool proof. I'd get lojack ALSO.

[morgie2]

On a convertible, do you need comfort access to allow you to put the roof down with the key when standing outside the car, or can you do it without the comfort access?

[Raman]

newbie here what option do we need, to have bluetooth working in the 1er (iPhone).

[jkp1187]

What is the deal with "Priority One" options such as terracotta or lemon leather for the 1er? I saw the wholesale price list posted above for 2009, but how would I get a 1er with one of these options? They aren't listed on the BMW website.

[moose127]

Do you know if ED will count against the dealers allocation for 1 series in 2009? I am looking for July 09 ED pick up but if its going to count against their allocation I would like to get my order in soon

[dbtheo]

Originally Posted by Raman

newbie here what option do we need, to have bluetooth working in the 1er (iPhone).

639 , bmw assist or premium package

[dbtheo]

Originally Posted by jkp1187

What is the deal with "Priority One" options such as terracotta or lemon leather for the 1er? I saw the wholesale price list posted above for 2009, but how would I get a 1er with one of these options? They aren't listed on the BMW website.

just ask your CA, he/she can order it for you

[dbtheo]

Originally Posted by moose127

Do you know if ED will count against the dealers allocation for 1 series in 2009? I am looking for July 09 ED pick up but if its going to count against their allocation I would like to get my order in soon

it does come out of our allocations

[BeamerDreamer]

I was wondering if it was possible to lease a car and pay for the lease payments up front minus any interest that would have been added over the term of the lease.

For example, say my lease payment for 36 months is going to be $600 a month with $150 of that being interest. Could I pay $450 X 36 at the time of signing the lease and avoid paying interest for 3 years?

I know this isn't a good idea because if the car gets totaled or stolen, I will lose most of the money that I put into the car. I'm just trying to explore my options and see if I can avoid paying interest if I don't have to.

[jeff]

Hmmm. Buy the car and plunk down the cash upfront and have less principle on which they calculate interest.

or

Determine the interest rate for the lease and see if you can match or better it in the market for a similar term.

Just noticed the forum, I am not a dealer

[dbtheo]

Originally Posted by BeamerDreamer

I was wondering if it was possible to lease a car and pay for the lease payments up front minus any interest that would have been added over the term of the lease.

For example, say my lease payment for 36 months is going to be $600 a month with $150 of that being interest. Could I pay $450 X 36 at the time of signing the lease and avoid paying interest for 3 years?

I know this isn't a good idea because if the car gets totaled or stolen, I will lose most of the money that I put into the car. I'm just trying to explore my options and see if I can avoid paying interest if I don't have to.

not through bmw, you'll still pay the interest. I doubt any bank would lease a car interest free

[mile2424]

Would love to be able to order a 1 in dakar yellow! Can any dealers help me out with that or is it even possible.

[dbtheo]

Originally Posted by mile2424

Would love to be able to order a 1 in dakar yellow! Can any dealers help me out with that or is it even possible.

i've already tried a couple of times, nothin doin

[BeamerDreamer]

Originally Posted by dbtheo

not through bmw, you'll still pay the interest. I doubt any bank would lease a car interest free

Please correct me if I'm wrong but if you are paying for everything up front, why would be you paying interest? The way I understand the lease payments is that it is comprised of depreciation and interest. If I were to pay all the depreciation at the time of signing the lease, why would I have to pay interest? It's like using cap cost reduction to buy down your payment all the way to $0. :iono: Right?

[3toM]

Originally Posted by BeamerDreamer

Please correct me if I'm wrong but if you are paying for everything up front, why would be you paying interest? The way I understand the lease payments is that it is comprised of depreciation and interest. If I were to pay all the depreciation at the time of signing the lease, why would I have to pay interest? It's like using cap cost reduction to buy down your payment all the way to $0. :iono: Right?

Yes, true, but then where would the financial department make any money?? It's the same as doing 0% financing on a car. Not likely to happen. The financial division has to make some money to pay the bills.

[stevenc]

Originally Posted by BeamerDreamer

Please correct me if I'm wrong but if you are paying for everything up front, why would be you paying interest? The way I understand the lease payments is that it is comprised of depreciation and interest. If I were to pay all the depreciation at the time of signing the lease, why would I have to pay interest? It's like using cap cost reduction to buy down your payment all the way to $0. :iono: Right?

Please note that in a lease, the is no "interest". Leases have a "money factor". You are promising a steady stream of payments in return for using the vehicle.

[BeamerDreamer]

Originally Posted by 3to1

Yes, true, but then where would the financial department make any money?? It's the same as doing 0% financing on a car. Not likely to happen. The financial division has to make some money to pay the bills.

Does the financial division make money if I pay for a car in cash? I would be paying for 3 years of depreciation in market value on the car. It would be the same as if I paid cash for the car then traded it in after 3 years with guaranteed trade in value. I don't really see any difference.

[3toM]

Originally Posted by BeamerDreamer

Does the financial division make money if I pay for a car in cash? I would be paying for 3 years of depreciation in market value on the car. It would be the same as if I paid cash for the car then traded it in after 3 years with guaranteed trade in value. I don't really see any difference.

It's not really the same. In your situation, BMW financial is providing a lease, but makes no money on it. In the cash scenario, BMW financial is not even involved, and they provide no service at all. It's just you and the dealer.

[BeamerDreamer]

Originally Posted by 3to1

It's not really the same. In your situation, BMW financial is providing a lease, but makes no money on it. In the cash scenario, BMW financial is not even involved, and they provide no service at all. It's just you and the dealer.

Sorry if I seem like I am being combative. I'm just trying to understand which options will work best for me. I was really thinking about leasing but it doesn't seem all that attractive anymore. I think the only way to avoid paying interest is to just pay for the car in cash.

[3toM]

Originally Posted by BeamerDreamer

Sorry if I seem like I am being combative. I'm just trying to understand which options will work best for me. I was really thinking about leasing but it doesn't seem all that attractive anymore. I think only way to avoid paying interest is to just pay for the car in cash.

Doesn't seem combative to me at all. In reality, paying for the car with cash is the ONLY way to avoid interest. Leasing makes sense for some people for tax purposes or due to their desire to frequently get a new car. I am leasing my current 3 series - got a good rate, can deduct a bit more on my taxes due to my situation. For my future 1er, will likely finance due to the poor leasing rates available.

PS - sorry to Dave for hijacking your thread. Sorry. "Now back to your regular programming"

[dbtheo]

Originally Posted by 3to1

Doesn't seem combative to me at all. In reality, paying for the car with cash is the ONLY way to avoid interest. Leasing makes sense for some people for tax purposes or due to their desire to frequently get a new car. I am leasing my current 3 series - got a good rate, can deduct a bit more on my taxes due to my situation. For my future 1er, will likely finance due to the poor leasing rates available.

PS - sorry to Dave for hijacking your thread. Sorry. "Now back to your regular programming"

don't apologize to me, it's not just "my" thread, these kind of discussions are exactly what this thread is for. The more people that contribute the better:smile: