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BMW 3-Series (E90 E92) Forum
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Test drove a couple coupes today, impressions and what to do now?
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01-02-2013, 04:35 PM | #67 | |
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I think you don't understand how to become wealthy. Dealing in debt will not permit you to do so unless you can out earn your stupidity which most people can not do. |
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01-02-2013, 04:39 PM | #68 | |
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01-02-2013, 06:19 PM | #69 | |
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01-02-2013, 06:27 PM | #70 |
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50K for a 3 series!? Eff that, I'd get a used 2nd/3rd gen Viper instead.
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01-02-2013, 06:35 PM | #71 | |
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I think the op is making a mistake to get that much debt for a luxury when 1. he has no fixed revenues yet, 2. other costs that are more important are piling up (student loans, etc), 3. he cannot afford it, as illustrated by the fact that the loan proposed to him are of predatory nature (balloon loans are very expensive, and there is a significant chance that he will default on it, being left with no car, bad credit history, and having paid still more than the face value of the car). Getting in debt in his situation is probably unwise. Last edited by Meeni; 01-02-2013 at 06:41 PM.. |
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01-02-2013, 07:55 PM | #72 |
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Well sorry i opened this can of worms!
For the record, i have a fixed income. Was just looking for a few opinions and boy did i get them! As i previously stated i am going to buy used, just maybe not a pos used honda for 5000. I am in position where i will have to attain some debt in order to get a vehicle. I have no equity in the one i have and need to sell it to get a more fuel efficient and less used vehicle so that it will last me a long time. Current vehicle has over 190k. I know debt is the devil, but when you need a ride you need a ride, and as stated sometimes luxuries are worth a cost, which is why i am willing to finance a nicer car. NOT a 50k car at this point, maybe one day. E46 m3 is a sweet car, just has a pretty hefty maintenance and repair cost. Ill post up when my poor decision is made. |
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01-02-2013, 09:47 PM | #73 | |
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Time to leave the thread.
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01-02-2013, 11:04 PM | #74 | |
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That fact that you can't tell my car is used means it is in great condition. Not that i'm trying to fool people into thinking I purchased it brand new. I actually own my BMW out right and nobody in my family or circle of friends has told me that is silly. The verbiage "conserving capital base" is loser language for people who deal in debt and think they are smart by financing and leasing. When in fact they are ignorant about what they are actually doing to themselves. |
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01-02-2013, 11:10 PM | #75 | |
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Again...more loser language. Sounds like you need "stuff" to be happy right now. So you're going to get a bunch of stuff and be in a bunch debt and then be even more miserable. Stuff doesn't make you happy but that's a whole other topic. And don't lump going to the movies or buying a TV in with purchasing a big ticket item like a car. Cars are the second most expensive item people buy besides their house. That's why it is so bad on personal finances to finance or lease them. You guys probably don't want to hear what I think about mortgages I'm sure. |
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01-03-2013, 01:15 PM | #76 | |
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In the “live debt free world” the only guy building wealth is the one on the infomercials selling the CD’s to the gullible. Ever wonder where he financed the commercial & his company?
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01-03-2013, 02:32 PM | #77 | |
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If you understood people at all you might realize that life for many people is not about being perfect and acting only in the most logical and robotic manner possible. It is possible for people to strike a balance in their lives between enjoying some of the opportunities afforded to them by living in a country with a credit system and also being frugal and saving their money in order to provide for their kids or whatever it is that floats their boat. If you don't agree with that then that is fine, but repeating yourself over and over again won't help anybody, especially not the OP. |
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01-03-2013, 02:34 PM | #78 |
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Enough already boys. If any of us were truly interested in building wealth through minimizing our transportation expenses we would all be driving used Corollas, not BMWs which are expensive new or used. Frankly, I would rather walk than drive a Corolla.
My BMW makes me happy every time I get in it. Or look at it for that matter. Or kick back and think about the three weeks in Europe I spent with great friends in amazing places while taking delivery of it. Well worth the price of entry. And at .9% I would have had to be stupid NOT to finance it. Debt is a useful tool, but by all means minimize the amount of interest paid.
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01-03-2013, 02:53 PM | #79 | |
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As for the original thread topic... Move over, because building wealth and expert financial advice is coming through. |
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01-03-2013, 03:46 PM | #80 | |
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Do what you want man you are old enough to decide, you did not ask for financial advice yet you are getting a lesson. The house is the worst investment you can make!! Thousands go down the crap shoot and you don't even know where it goes and nobody notices. Aske me how I know? Example: lawn maint, plumbing, utilities, you name it. And then the values crash 50% due to crooks and handicapped Govt. Get the car you want and load pu$$y every day all day long!! You'll enjoy every second. What is the value of that!? Or would you rather be in Home Depot buying crap?? Once you get to be 60+ buy a house, watch TV and drink bear in your lazy boy like 99% of society. Until then pedal to the metal and hit it hard!! Last edited by Mavus; 01-03-2013 at 03:54 PM.. |
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01-03-2013, 03:52 PM | #81 | |
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At least somebody gets it here!! |
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01-03-2013, 06:44 PM | #82 | |
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It makes me sick to see so many people hurt themselves buying shit they can't afford with money they don't have. And some how they rationalize it to themselves that its ok, or its sold to them in that regard and they are too ignorant to even realize it. |
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01-03-2013, 09:14 PM | #83 | |
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01-03-2013, 09:16 PM | #84 | |
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01-03-2013, 10:12 PM | #85 | |
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You keep telling us how to live our lives to build wealth on your terms so I thought you would be just rolling in money. You are so adamant & dogmatic about it anyone would rightly think it was from very successful actual experience. Instead you are trying to find fault with what I can enjoy from what I have accomplished in my life without imposing a draconian way of life on my family or myself so it looks to me like your world is just a fail. In my personal experience if someone does not hamstring themselves with a lot of nonsensical ridged plans & is willing to work as much as it takes, also take a risk when its prudent they can go from the housing projects in Jersey City to a comfortable way of life that gives their kids a jump start into their futures with an education at a good school. Last edited by BEAR-AvHistory; 01-03-2013 at 10:36 PM.. |
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01-03-2013, 10:57 PM | #86 | |
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My wife and I are in our mid thirties and own everything we have out right with no debt. House, cars, boat, motorcycle...everything. And we did it because we saved our money and made payments to nobody. Instead we pay into our retirement accounts and will be millionaires because of it. My family is financially well off and debt free with everything we want in life. How is that draconian? We sacrificed to win. So if our world is a fail then I wish failure for everyone. Btw, I always wanted to be a pilot. I bet it is a great time up there in the air. |
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01-04-2013, 12:22 AM | #88 | |
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You said the sweet spot on buying a car IIRC is 5 years old so I just can't imagine you buying anything new or anything costly. Having a boat, cars, house, bike might sound impressive to some people at first glance but possiably not so much if they are all like your 100K mile 6 year old used BMW. I do boats & bikes too, show me yours & I will show you mine
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