Mods, PLEASE DELETE

[E31BMW]

Originally Posted by smithf80

LOL you must be joking, right?

Also not sure why you would get a policy on the windshield when glass coverage is required in NY.

Your effective payment is 998.83.

My car is nearly 4k less than yours for the life of the lease. How can you not consider the down payment? Its part of the cost of your lease, is it not? Doesn't matter whether you pay it upfront or in the monthly.

So, you pay 870 a month and I pay 699 WITH my policy, that's first. Your lease is 6,156 more than mine without the downpayment. Second, my downpayment is negotiable, even if it were not negotiable, my car was on offer with a coverage policy, something that costs money and something you dont have, so all things need to be considered. I also feel silly comparing your car to mine, since I have not idea what your build is. At the time of my posting, my car was available for assumption, I didn't post it so trolls would comment on if they liked or disliked my pricing or colors, I offered it for sale. If someone were interested in the car, they would make an offer, not throw out silly comments about pricing and their delusional math equations. Without my policy, my car is actually CHEAPER than yours. And considering the downpayment, can even be cheaper than yours WITH the policy.

870x36=31,320
699x36 = 25,164 (plus negotiable downpayment) MY POLICY IS INCLUDED, which you dont have = therefore, my car is cheaper. I hope you aren't a math professor.

The policy that i have for my car doesn't just cover windshield, it covers tires, wheels, windshield and unlimited PDR, that has a cost attributed to it and it has already paid for itself. Google how much a tire or rim costs. It is not your place to say most people do or dont or should or shouldnt have this... What is your point of reference for this?

Windshield coverage a must for NY??!?!?! you realize that you set the deductible for this on your policy, right? You realize what happens over time when you claim it and that goes on your claim history? You can put an extremely high deductible with the intention of not using it and having this policy pay for any incidents, which is WAY cheaper than filing a claim with your insurer. I hope you are also not in insurance.

Some people prefer to have a lower monthly payment and put some money down up front instead of having high payments.

[frankiebones]

Originally Posted by smithf80

You can't do MSD's anymore and the bank sets the MF rate, not BMW, so unless you were starting with a dealer inflated MF, then its not going to get any lower than the base rate.

Thank you! I didnt even want to get into with him. The guy also has the lowest rep score out of anyone with 1k + posts ive ever seen. His posts must not be well received, generally speaking.

[E31BMW]

Originally Posted by frankiebones

Thank you! I didnt even want to get into with him. The guy also has the lowest rep score out of anyone with 1k + posts ive ever seen. His posts must not be well received, generally speaking.

....if life were only about our rep score...

[frankiebones]

Originally Posted by F83M4MW

....if life were only about our rep score...

While not necessary dispositive of your overall emotional health, it is an excellent indicator of personality type.

[E31BMW]

Originally Posted by frankiebones

While not necessary dispositive of your overall emotional health, it is an excellent indicator of personality type.

My personality type is an excellent indicator of my rep score? Dang! Gotta be more active on the forum then. Thanks Yoda!

[///M4ster Yoda]

Originally Posted by F83M4MW

My personality type is an excellent indicator of my rep score? Dang! Gotta be more active on the forum then. Thanks Yoda!

[E31BMW]

Originally Posted by ///M4ster Yoda

lol YES!

He who pay more up-front to get lease payment lower is a fool and has terrible personality !

-Also Yoda

[ineedae46m3]

This is the car. Still available on Swapalease

http://www.swapalease.com/mobile/lea...?salid=1250489

[smithf80]

Originally Posted by F83M4MW

So, you pay 870 a month and I pay 699 WITH my policy, that's first. Your lease is 6,156 more than mine without the downpayment. Second, my downpayment is negotiable, even if it were not negotiable, my car was on offer with a coverage policy, something that costs money and something you dont have, so all things need to be considered. I also feel silly comparing your car to mine, since I have not idea what your build is. At the time of my posting, my car was available for assumption, I didn't post it so trolls would comment on if they liked or disliked my pricing or colors, I offered it for sale. If someone were interested in the car, they would make an offer, not throw out silly comments about pricing and their delusional math equations. Without my policy, my car is actually CHEAPER than yours. And considering the downpayment, can even be cheaper than yours WITH the policy.

870x36=31,320
699x36 = 25,164 (plus negotiable downpayment) MY POLICY IS INCLUDED, which you dont have = therefore, my car is cheaper. I hope you aren't a math professor.

The policy that i have for my car doesn't just cover windshield, it covers tires, wheels, windshield and unlimited PDR, that has a cost attributed to it and it has already paid for itself. Google how much a tire or rim costs. It is not your place to say most people do or dont or should or shouldnt have this... What is your point of reference for this?

Windshield coverage a must for NY??!?!?! you realize that you set the deductible for this on your policy, right? You realize what happens over time when you claim it and that goes on your claim history? You can put an extremely high deductible with the intention of not using it and having this policy pay for any incidents, which is WAY cheaper than filing a claim with your insurer. I hope you are also not in insurance.

Some people prefer to have a lower monthly payment and put some money down up front instead of having high payments.

Well, this has been one hell of a funny thread.

I've got some news for you.

Your deal:

77k MSRP, 699x36=$25,164+8995=$34,159/36=948/mo

My deal:

81k MSRP, 870x36$31,320+$1400(wheel & tire)=$32,720/36=908/mo

So yeah, my car is cheaper, and for a MORE expensive car. If you scale my deal down to your MSRP, it becomes significantly cheaper.

No one is going to give you $8,995, since according to your listing your "Down payment is non-negotiable".

You can't just say "its cheaper with the down payment" thats like if I just said "I paid 34k down and paid the whole lease up front, the car is basically free".

[Mandi90TT]

I love reading these trainwrecks of threads in which someone foolishly pays too much for a lease, or for a purchase, and then tries to convince someone else that it's a good deal.

Another interesting one is the guy trying to sell his Dinan 'tune' (aka piggyback) for close to MSRP...

[E31BMW]

Originally Posted by smithf80

Well, this has been one hell of a funny thread.

I've got some news for you.

Your deal:

77k MSRP, 699x36=$25,164+8995=$34,159/36=948/mo

My deal:

81k MSRP, 870x36$31,320+$1400(wheel & tire)=$32,720/36=908/mo

So yeah, my car is cheaper, and for a MORE expensive car. If you scale my deal down to your MSRP, it becomes significantly cheaper.

No one is going to give you $8,995, since according to your listing your "Down payment is non-negotiable".

You can't just say "its cheaper with the down payment" thats like if I just said "I paid 34k down and paid the whole lease up front, the car is basically free".

What you are conveniently leaving out is my car care policy THIS IS NOT JUST A WHEEL/TIRE POLICY and does not cost 1,400 ( I realize that you dont care for it, but you aren't a prospective buyer, you are a troll. I literally have the same deal that you have, potentially cheaper than your deal, based on the downpayment that is agreed upon, the difference being that I have a lower payment with more money down AND you get a policy that isnt on your car (this costs money).... do you know how much money you would have had to put down to get to 699 with this policy? a lot more than I am asking.

I am not sure if you have ever sold anything, but wiggle room needs to exist, please remember for the future, this will help you in life. Like selling carbon fiber splitters on here, you list it for 475 and get offers for 180. I listed my car for sale, you have no interest in it and are being a troll. Even if it were 1400 for just wheel and tire, which it is NOT, you are talking about a 40 dollar difference per month and I have a terrible deal?

[smithf80]

Originally Posted by F83M4MW

What you are conveniently leaving out is my car care policy THIS IS NOT JUST A WHEEL/TIRE POLICY and does not cost 1,400 ( I realize that you dont care for it, but you aren't a prospective buyer, you are a troll. I literally have the same deal that you have, potentially cheaper than your deal, based on the downpayment that is agreed upon, the difference being that I have a lower payment with more money down AND you get a policy that isnt on your car (this costs money).... do you know how much money you would have had to put down to get to 699 with this policy? a lot more than I am asking.

I am not sure if you have ever sold anything, but wiggle room needs to exist, please remember for the future, this will help you in life. Like selling carbon fiber splitters on here, you list it for 475 and get offers for 180. I listed my car for sale, you have no interest in it and are being a troll.

I added wheel and tire, what more do you need? BMW Ultimate Care? That adds 20 a month, still cheaper.

Also, are you forgetting that MY MSRP is more than yours by at least 4k? If you scale my deal down which is ZERO cap cost reduction AND all taxes included in the lease, meaning pickup cost is 1st month and DMV, to your MSRP, it becomes even cheaper.

If you put $8,995 down on my lease, you get around $650 a month, this is really all basic math.

[E31BMW]

Originally Posted by Dave 90TT

I love reading these trainwrecks of threads in which someone foolishly pays too much for a lease, or for a purchase, and then tries to convince someone else that it's a good deal.

Another interesting one is the guy trying to sell his Dinan 'tune' (aka piggyback) for close to MSRP...

I love how people jump on a thread with a 2018 m3 for 699 a month and 8995 down with a FULL car care policy, which breaks down to 948 per month TOTAL and I foolishly paid too much for my lease???? I have no problem shaving a couple of dollars off this downpayment, but I guarantee the people that think its crappy are paying more than me, all things considered.

[Mandi90TT]

Originally Posted by F83M4MW

I love how people jump on a thread with a 2018 m3 for 699 a month and 8995 down with a FULL car care policy, which breaks down to 948 per month TOTAL and people who have a similar deal or even worse deal than this think its terrible. I have no problem shaving a couple of dollars off this downpayment, but I guarantee the people that think its crappy are paying more.

29 mos remaing on lease.

8995/29 = 310.17 =~310

310 + 699 = 1009

1009 =/= 948

Am I missing something?

[E31BMW]

Originally Posted by smithf80

I added wheel and tire, what more do you need? BMW Ultimate Care? That adds 20 a month, still cheaper.

Also, are you forgetting that MY MSRP is more than yours by at least 4k? If you scale my deal down which is ZERO cap cost reduction AND all taxes included in the lease, meaning pickup cost is 1st month and DMV, to your MSRP, it becomes even cheaper.

If you put $8,995 down on my lease, you get around $650 a month, this is really all basic math.

If your car is 81k even, your car is $3,185 more than mine, thats not 4k Mr. basic math. My policy alone is worth more than your difference

So...by you saying 0 down, you didn't mean 0 down, since you paid 1st month and probably other fees (you forgot to add those up with your basic math). 650 a month with or without a full car care policy with 8995 TOTAL out of pocket? LMAO, good luck.

[E31BMW]

Originally Posted by Dave 90TT

29 mos remaing on lease.

8995/29 = 310.17 =~310

310 + 699 = 1009

1009 =/= 948

Am I missing something?

There are 30 months left, swapalease had an incorrect start date which you cannot modify once the listing is created, that was the discrepancy.

[Mandi90TT]

Originally Posted by F83M4MW

There are 30 months left, swapalease had an incorrect start date which you cannot modify once the listing is created, that was the discrepancy.

Ok...

30 mos left

8995/30 ~= 300

699 + 300 = 999

999 =/= 948

And you are claiming someone else is bad at math?

[frankiebones]

Originally Posted by F83M4MW

lol YES!

He who pay more up-front to get lease payment lower is a fool and has terrible personality !

-Also Yoda

I'll go a step further and say you make terrible car decisions because you're already trying to get rid of a car you just leased. However, you're in the majority in that respect.

Clearly, you're insecure about your rep score and are using various defense mechanisms, i.e., humor, to deflect. We can help you. Just stop being so...you.

[E31BMW]

Originally Posted by Dave 90TT

Ok...

30 mos left

8995/30 ~= 300

699 + 300 = 999

999 =/= 948

And you are claiming someone else is bad at math?

uhhmmmmm, I never claimed it was 948 per month, that was smithf80. Are you claiming he has bad math?

[Mandi90TT]

Originally Posted by F83M4MW

uhhmmmmm, I never claimed it was 948 per month, that was smithf80. Are you claiming he has bad math?

Originally Posted by F83M4MW

I love how people jump on a thread with a 2018 m3 for 699 a month and 8995 down with a FULL car care policy, which breaks down to 948 per month TOTAL and I foolishly paid too much for my lease???? I have no problem shaving a couple of dollars off this downpayment, but I guarantee the people that think its crappy are paying more than me, all things considered.

Edit: Multiple personality disorder?

[E31BMW]

Originally Posted by frankiebones

I'll go a step further and say you make terrible car decisions because you're already trying to get rid of a car you just leased. However, you're in the majority in that respect.

Clearly, you're insecure about your rep score and are using various defense mechanisms, i.e., humor, to deflect. We can help you. Just stop being so...you.

Hey, thanks for your message. By terrible deal, do you mean less than most other people are paying?

I am insecure about a number of things, just not my rep score......

[E31BMW]

Originally Posted by Dave 90TT

Edit: Multiple personality disorder?

That was pasted from smithf80's comment