View Full Version : Leasing an E92


djpfine
09-22-2007, 03:28 PM
Guys, I got into an accident in my E36 M3 last night and am almost sure it will be written off. It looks like the most logical next step would be to use the money from that car and lease a 335. I did some searching today and saw a couple of older posts saying that 335's with the 6MT were still very hard to find and that dealers really didn't have much room for negotiating.

Is this still true, even at this time of year? I'd love to get a 335, but if it's too expensive might have to look into a 328. Also I don't know much about leasing in general. Any links to articles/posts with details on how the process works and advice on what the best deal is?

DrRT
09-22-2007, 07:28 PM
Get an 335i automatic.

Blue330i2006
09-22-2007, 10:21 PM
PM GOZ 2 11. he is selling his. 6sp. coupe. 5k miles.

Ty Vil
09-22-2007, 10:39 PM
It sounds like he wants to lease as it's cheaper.

Don't buy an autotragic.

djpfine
09-23-2007, 10:25 AM
An automatic is out of the question.

Arustik1
09-23-2007, 10:24 PM
Thank god!!

ferrari355fi
09-23-2007, 11:14 PM
my dealership has a space gray/black 335i coupe 6MT with, Cold Weather Package, Sport Package, Park Distance Control, Premium Package. It is used with only 800 or so miles on it. call 610-668-2200 and ask for a sales person or the used car manager.

DrRT
09-23-2007, 11:27 PM
An automatic is out of the question.

Have you at least test driven it? Auto is better than manual for the 335i.

grubster
09-24-2007, 12:16 AM
Why is auto "better" than manual? I actually test drove an automatic, while it was fun, it felt kind of video game like with the paddle shifters. Coming from an E36 M3, a 335i coupe with 6spd is the OBVIOUS upgrade car if you don't go with an E46 M3 or wait for E92 M3. I would agree automatic is fine, but not sure what makes it BETTER than a 6spd, it's personal preference in to what you want.

Ty Vil
09-24-2007, 02:30 AM
Have you at least test driven it? Auto is much more boring than the manual for the 335i.

fixed.

DrRT
09-24-2007, 07:05 AM
Why is auto "better" than manual? I actually test drove an automatic, while it was fun, it felt kind of video game like with the paddle shifters. Coming from an E36 M3, a 335i coupe with 6spd is the OBVIOUS upgrade car if you don't go with an E46 M3 or wait for E92 M3. I would agree automatic is fine, but not sure what makes it BETTER than a 6spd, it's personal preference in to what you want.

Because I said so.

djpfine
09-24-2007, 07:47 AM
Auto will never be better than manual for me, even if advances in technology eventually make it faster. Nothing beats the feel of rowing your own gears and heel-toeing into a corner.

335eye
09-24-2007, 04:07 PM
..Also I don't know much about leasing in general. Any links to articles/posts with details on how the process works and advice on what the best deal is?

This link could save you money. Leasing is one of the easy ways car dealers rip people off. Arm yourself with knowledge.

http://www.edmunds.com/advice/leasing/articles/48365/article.html

Also, I believe you can negotiate discounts off msrp. First rule: Order your car on the last day of the month. That's when they're forced to accept any reasonable offer. I got over $2k off msrp on mine and the stated BMWFS money factor.

djpfine
09-24-2007, 08:35 PM
Thanks for the link - very helpful.

Beer Goggles
09-24-2007, 08:54 PM
Good old AT vs MT argument.

I'll use my infamous quote-

You go for a RIDE in an AT
You DRIVE your MT

If going for rides is what you want the AT is for you.

The advantage of MT is that it's simple and shouldn't break and it puts more power to the ground.

An SMG or DSG combines the best of both with more efficient and quicker shifts (and if you think it's hard to push your leg down or move your arm you don't have to) but the majority of people I know with them and reviews I've read say SMG/DSG is good for the track and not real world driving.

fshull
09-24-2007, 10:44 PM
Good old AT vs MT argument.

I'll use my infamous quote-

You go for a RIDE in an AT
You DRIVE your MT

If going for rides is what you want the AT is for you.

The advantage of MT is that it's simple and shouldn't break and it puts more power to the ground.

An SMG or DSG combines the best of both with more efficient and quicker shifts (and if you think it's hard to push your leg down or move your arm you don't have to) but the majority of people I know with them and reviews I've read say SMG/DSG is good for the track and not real world driving.

1) whatever - I guess formula 1 race car drivers are out there with autos for a Sunday RIDE.

2) as for as real world driving, all reviews I have seen in MT, R&T, C&D love the DSG for city or track.

I am sure some folks believe riding horses and wood stoves are the only way to go as well.

mryakan
09-24-2007, 11:40 PM
You guys argue MT vs AT as if there is a right or wrong answer. There isn't, it is all personal preference. SOme like to shift, other don't (well maybe except if they are driving a dump truck :D).

julesbmw
09-25-2007, 01:24 AM
mryakan,
once again, the voice of reason.
people - driving a stick shift is not the equivalent of having more uh, testosterone. driving AT isn't the equivalent of a soft ride.
it's personal preference.

mryakan
09-25-2007, 01:52 AM
mryakan,
once again, the voice of reason.
people - driving a stick shift is not the equivalent of having more uh, testosterone. driving AT isn't the equivalent of a soft ride.
it's personal preference.
I remember driving my dad's 1978 730 AT which only had Drive, 2nd and 1st and I enjoyed it as much as a manual back when autos were not very great. Even though I learned how to drive on a manual car and then drove a manual for like 5 years and that was my 1st auto, I still enjoyed it. Floor the gas and the thing would kick down and launch like a rocket (while I watch the gas tank needle drop by 25% of course :mad). I also used to kick it manually into 2nd or even 1st to pass slower traffic, giving my passengers whiplash.
All in all, I'd choose MT anyday over AT, but if I had no choice for whatever reason, I'd be happy with the AT on almost any BMW with enough power. Now AT on a low powered car sucks though.
My 2 cents.

fshull
09-25-2007, 08:17 AM
You guys argue MT vs AT as if there is a right or wrong answer. There isn't, it is all personal preference. SOme like to shift, other don't (well maybe except if they are driving a dump truck :D).

I agree personal preference.

DrRT
09-25-2007, 12:46 PM
You guys argue MT vs AT as if there is a right or wrong answer. Well there is and the right answer is AT.

fixed.

Ty Vil
09-25-2007, 12:49 PM
fixed.
Ok Grandpa

mryakan
09-25-2007, 12:53 PM
fixed.
Thanks for distorting my quote. Very classy. You must work for Fox News.

SocratesBMW
09-25-2007, 02:41 PM
You guys argue MT vs AT as if there is a right or wrong answer. There isn't, it is all personal preference. SOme like to shift, other don't (well maybe except if they are driving a dump truck :D).

I have a step and shift all the time. Nothing like not having to worry about a clutch or letting off the gas. Its my preference to be faster than a manual, that's why I have one.

Beer Goggles
09-25-2007, 04:00 PM
1) whatever - I guess formula 1 race car drivers are out there with autos for a Sunday RIDE.

2) as for as real world driving, all reviews I have seen in MT, R&T, C&D love the DSG for city or track.

I am sure some folks believe riding horses and wood stoves are the only way to go as well.

You really don't understand the difference of SMG and AT.

F! cars are clutchless Manual....except maybe if you paid attention when the pit the word CLUTCH is on the pool in front of the driver ;)

Clutchless manual is a computer controlled manual. And I bet if you asked an F1 driver they would say they drive MT.

BimmerGirly
09-25-2007, 04:33 PM
Here's some help to your original question...

Leasing is pretty much out of the question unless your financial supply is great and you have very few fixed expenses (rent, insurance, etc.)

Say you want to finance 22K over 60 months at 5.9%. That's 385$/mo and at the end of the five years, you own the car flat out. You can keep making that 385$ payment to an investment like a mutual fund or ETF and at the end of the year have 4,060$ without any of the interest even tacked on. Your lease payment will be around that, if not higher, and you'll get screwed in the end - same money out of pocket, but no car ownership. Don't forget that if you go over your mileage, those fees suck. They used to be around .15$ per mile over...might be higher now. Leasing is just a borrow for a few years...it'll never truly feel like your own and you'll constantly be worrying about every little thing in the car so that you don't have to pay the stealership back at the end for damages.

Good luck :)

Beer Goggles
09-25-2007, 04:42 PM
Here's some help to your original question...

Leasing is pretty much out of the question unless your financial supply is great and you have very few fixed expenses (rent, insurance, etc.)

Say you want to finance 22K over 60 months at 5.9%. That's 385$/mo and at the end of the five years, you own the car flat out. You can keep making that 385$ payment to an investment like a mutual fund or ETF and at the end of the year have 4,060$ without any of the interest even tacked on. Your lease payment will be around that, if not higher, and you'll get screwed in the end - same money out of pocket, but no car ownership. Don't forget that if you go over your mileage, those fees suck. They used to be around .15$ per mile over...might be higher now. Leasing is just a borrow for a few years...it'll never truly feel like your own and you'll constantly be worrying about every little thing in the car so that you don't have to pay the stealership back at the end for damages.

Good luck :)


You're slightly incorrect.

You lease at 36 months or less and have a lower payment than purchasing for 5 years.

If you put the difference between the lease payment and purchase payment in the bank you will have money collecting interest, not investing in a depreciating asset.

Example (numbers out of my hat)

$500 for 60 months = $30K
$450 for 36 months = 16,200

That's 14K you will have paid out less, probably what you would sell the car for in 5 years. So technically that is a wash.

And the $50 you save (which in reality is more than that) x 36 months is $1,800 you can put in the bank. That's a 18,000 cash flow difference in the 5 years.

Leasing isn't the best option for everybody but it makes much more sense in lots of cases, and you really have to understand the lease and how to make it work for you.

Jhunter
09-25-2007, 04:47 PM
Here's some help to your original question...

Leasing is pretty much out of the question unless your financial supply is great and you have very few fixed expenses (rent, insurance, etc.)

Say you want to finance 22K over 60 months at 5.9%. That's 385$/mo and at the end of the five years, you own the car flat out. You can keep making that 385$ payment to an investment like a mutual fund or ETF and at the end of the year have 4,060$ without any of the interest even tacked on. Your lease payment will be around that, if not higher, and you'll get screwed in the end - same money out of pocket, but no car ownership. Don't forget that if you go over your mileage, those fees suck. They used to be around .15$ per mile over...might be higher now. Leasing is just a borrow for a few years...it'll never truly feel like your own and you'll constantly be worrying about every little thing in the car so that you don't have to pay the stealership back at the end for damages.

Good luck :)

We have gone back and forth on this issue before so I hate to open up this can of worms again but just about everything you just said is incorrect.

Given your example, if you leased the same car for five years your payment will be much lower than the $385 loan payment. When you lease you are amortizing an amount over the term (like a loan payment) but this is only half the cost of the car. For the rest (the residual value) you are only paying interest. So unless the there is a large difference in interest rates, its mathmatically impossible to get to the same or higher on a lease.

Where are you getting a new car loan at 5.9%? Current market rates are about 8%. However BMWFS often has incentives built into the lease money factor that equate to interest rates of 3-6%. I know, mine is around 3.5% even though I leased an in demand E92. I don't think I have ever seen BMW offer incentives with traditional financing.

I have leased and owned many cars, I have never had a difference in feeling. I take care of any car I own, no matter what form of financing I used to acquire it. I have turned in 3 leases in my life. Total paid for damage $0.

BimmerGirly
09-25-2007, 04:50 PM
Very good call! I still like the idea that I'll own my car and can ride it out for ten years if I choose. So at the end of five years, I'll be out 30K for my car (but let's say I can still sell it for 15K...and after five years, depreciation slows down quite a bit), but at the end of five years, a leaser will be out of 16,200$ (the first three year lease), another 10,800$ (let's just say he starts another lease with the same terms) for those two years to get to five years total. So at five years, I own my car and am out of 30K. At five years, leaser owns no car and is out 27,000$, but still has another 5,400$ of payments coming his way for the third year on his lease. Meanwhile, I'm taking my 5400$ to my investment firm. ;)

Leasing and buying is a totally personal decision. I guess since I'm a financial adviser, I lean towards the owning side...even if it is an expensive side for the bimmer. :) Everyone says I'm thrifty and then makes fun of me for the bmw... I say, save money in little ways to afford the big things!

BimmerGirly
09-25-2007, 04:56 PM
Where are you getting a new car loan at 5.9%? Current market rates are about 8%. However BMWFS often has incentives built into the lease money factor that equate to interest rates of 3-6%. I know, mine is around 3.5% even though I leased an in demand E92. I don't think I have ever seen BMW offer incentives with traditional financing.




Current market rates can differ depending on your FICO. Totally depends on who you're leasing with and often times, the amount you're leasing. USAA has some stellar rates and BOAmerica quoted us a below 5.9% rate for us.

The 385$ was just an example...I haven't done any research on the going rate for a lease. The question noted that he's taking his cash from his M3 and also noted that the 335 might be too expensive, meaning there might not be alot of other cash on hand to free up and use towards a car. I guess this would just be my financially conservative opinion.

mryakan
09-25-2007, 05:02 PM
Very good call! I still like the idea that I'll own my car and can ride it out for ten years if I choose. So at the end of five years, I'll be out 30K for my car (but let's say I can still sell it for 15K...and after five years, depreciation slows down quite a bit), but at the end of five years, a leaser will be out of 16,200$ (the first three year lease), another 10,800$ (let's just say he starts another lease with the same terms) for those two years to get to five years total. So at five years, I own my car and am out of 30K. At five years, leaser owns no car and is out 27,000$, but still has another 5,400$ of payments coming his way for the third year on his lease. Meanwhile, I'm taking my 5400$ to my investment firm. ;)

Leasing and buying is a totally personal decision. I guess since I'm a financial adviser, I lean towards the owning side...even if it is an expensive side for the bimmer. :) Everyone says I'm thrifty and then makes fun of me for the bmw... I say, save money in little ways to afford the big things!
You don't necessarily have to turn in your car at lease end. My previous car (e36 compact) was leased for 5 years and then I paid 10 or 11K residual to buy it out and kept it for 5 more years. All in all, I paid the same to own it as I would have if I had financed it over 5 years, but had the benefit of lower payments over those 5 years and then at the end when I saw the residual was much lower than market cost, I paid off the rest (a much smaller amount). Had the market cost been lower or close to the buyout price, I would have turned it in and not lost any penny v.s. financing then selling after 5 years, plus it is less hassle to turn in the car rather than try to sell it. It was a hell of a time selling it last month, but believe me after 10 years, if not for a bit of rust on the wheel well, it would have still passed the leasing inspection with flying colors.
I am leasing again now and depending whether in 3 years I would want to upgrade from the 323 or like the car enough to keep it, and depending on market value and depreciation, I may keep the car or turn it in for an upgrade.

335eye
09-25-2007, 05:04 PM
Thanks for distorting my quote. Very classy. You must work for Fox News.

Fox slightly distorts news due to it's conservative slant. CNN the same, due to it's liberal slant. This is true of all media outlets. However, liberal news outlets outnumber conservative ones 50:1. Hence the massive left-leaning bias being tossed into hard news stories.

Your quote about Fox is a great example. It speaks more about you than Fox, or reality in general.

mryakan
09-25-2007, 05:07 PM
Fox slightly distorts news due to it's conservative slant. CNN the same, due to it's liberal slant. This is true of all media outlets. However, liberal news outlets outnumber conservative ones 50:1. Hence the massive left-leaning bias being tossed into hard news stories.

Your quote about Fox is a great example. It speaks more about you than Fox, or reality in general.
I am left speechless. The fact I am Canadian seemed to fly over your head. Democrats and Republicans alike are all equally south of the border to us, but I will say this "Choose your next president wisely" :D.

Jhunter
09-25-2007, 05:13 PM
Given your example, the leasee is driving a new car after three years, this has value. Plus you are assuming a $22,000 car will be worth $15,000 after three years. Not likely.

If you are a financial professional you should understand a present value cash flow analysis. I compare leasing versus a loan when I buy. My analysis, using actual numbers, showed the cost of the two option over five years of ownership (for the lease I assume a purchase with a loan at the end of the 36 month lease term) to be within a couple hundred dollars of each other. What tips the decision to a lease is that on the five year loan, I am out of pocket almost $1,000 per month compared to a lease where I am paying less than $600 a month. I would rather keep this $400 a month in my pocket than put it in the car as "equity"

335eye
09-25-2007, 11:42 PM
I am left speechless. The fact I am Canadian seemed to fly over your head. Democrats and Republicans alike are all equally south of the border to us, but I will say this "Choose your next president wisely" :D.

I made no mention of Democrat or Republican. You made an uninformed comment about an American news outlet, that's all.

mryakan
09-26-2007, 12:23 AM
I made no mention of Democrat or Republican. You made an uninformed comment about an American news outlet, that's all.
Chill out guy, I was going to say CNN or NBC, but I just picked Fox randomly. Oh btw, we are very informed about American news outlets, we just choose not to listen to their rhetoric. Too Biased one way or another. Anyway, this is not a politics forum, so let's end this here and now.
Peace :buttrock

Beer Goggles
09-26-2007, 12:44 AM
Hey does Canada have an army? Does an army on horses still work?

Kidding one of my best friends lives in the Toronto area, I get to hear him bitch about America all the time, but he sells product here and his currency exchange business is now better for me, lol.

mryakan
09-26-2007, 01:04 AM
Hey does Canada have an army? Does an army on horses still work?

Kidding one of my best friends lives in the Toronto area, I get to hear him bitch about America all the time, but he sells product here and his currency exchange business is now better for me, lol.
Yeah we have an Army, they are all in Afghanistan, all 12 of them :D.

Yeah it sucks if you sell to the US now, seeing that the US dollar would get you 1 Canadian barely. It used to fetch 1.5-1.6 when I moved back from Boston. But for buying stuff from the US, it can't be beat such as me getting my winter tires from Tirerack. Even with a 20% tax/duty levy, I still save, go figure. I almost ended up in Silicon Valley this summer with a startup, but opted for a US company branch here locally due to family reasons. So really, nothing to differentiate us Northerners from you Yankees anymore other than our laid back attitude :D.

Beer Goggles
09-26-2007, 01:13 AM
One of the guys here is from "upstate" New York, which I started calling SoCan. Like SoCal...which I now call NorMex...really NoMex, but that seems worse than what I meant.

galahad05
09-26-2007, 02:26 AM
I considered buying my car outright, but the numbers (slightly) favored me leasing it. It all depends on what return I can get by investing the money I would have spent on the car. Worst case, leasing is slightly worse financially than buying for me--I'm assuming that I wouldn't keep the car longer than 7-8 years if I bought it.

Not to mention the peace of mind of having everything under factory warranty the whole time when leasing.

We'll see how well it turns out; time will tell.

335eye
09-26-2007, 02:33 AM
Chill out guy, I was going to say CNN or NBC, but I just picked Fox randomly. Oh btw, we are very informed about American news outlets, we just choose not to listen to their rhetoric. Too Biased one way or another. Anyway, this is not a politics forum, so let's end this here and now.
Peace :buttrock

Never met a Canadian I didn't like. Or, one that didn't feel a need to cast stones at the US.

Arustik1
09-26-2007, 09:45 AM
You really don't understand the difference of SMG and AT.

F! cars are clutchless Manual....except maybe if you paid attention when the pit the word CLUTCH is on the pool in front of the driver ;)

Clutchless manual is a computer controlled manual. And I bet if you asked an F1 driver they would say they drive MT.


Once again...nicely said.

djpfine
09-26-2007, 10:04 AM
Great, this thread is back on track...finally.

Lots of good back and forth here on leasing vs other options guys, I appreciate it. Do you think leasing becomes an even more attractive options if I only want to do a 2-year lease vs. a 3-year or longer? Would I be paying a much higher premium for the short lease window and thus be better off buying the car and then selling it in 2 years?

djpfine
09-26-2007, 10:05 AM
I should also mention that the primary reason for me looking into a lease is because I do not have the capital on hand right now to buy a car without financing/taking out some debt. I do however have enough to cover a 2 year lease payment right now, which makes it the safer, more attractive investment from my naive financial perspective.

galahad05
09-26-2007, 10:22 AM
Don't forget that after your (2 or 3 year) lease term is up, you have to buy/lease another car. Thus, you'll be making payments for another 2-3 years on top of your current lease (if leasing the next car). This is a factor--one of the negatives for me, and one that weighed with me and almost convinced me to buy instead.

Unless you have another car that you own outright? I'm in that situation, so the pressure's off when I turn in the bimmer--no having to buy/lease a car right then.

EDIT: Just to throw in a positive in this post, I should say that leasing allows you to drive a nicer/more expensive car than buying, assuming the same monthly payments.

djpfine
09-26-2007, 10:30 AM
I did have another car that I owned outright, however I unfortunately got into an accident and it now looks like the car is going to be a write-off.

The reason I'm considering a 2 year lease is because of uncertainty in terms of where I will be working in 2 years. I plan to move/leave my current job and either find something new or go b-school, and I might not have need for a car at that point.

galahad05
09-26-2007, 10:50 AM
There's an excellent site that discusses all thing lease-related: I'll dig it up and post the link here (if I can).

I should mention one thing--leases get a little...funny...when you're moving out of state. Just be aware. Some lease-holders explicitly don't allow their cars to be moved out of state. While most do allow it, it gets a little squirrelly because of the recalculation of taxes. Just be aware of this, if you plan on leaving your State.

mryakan
09-26-2007, 02:16 PM
Not sure, but depreciation numbers after 2 years may favor a lease, but never really looked into 2 year leases. And how could you live without a car even if you don't need it! Unless you leave the country, just take your leased car with you anywhere you go. I bet you'll find time to drive your bimmer no matter what job you get (unless you leave the country of course).

galahad05
09-27-2007, 01:14 PM
There's an excellent site that discusses all thing lease-related: I'll dig it up and post the link here (if I can).

I should mention one thing--leases get a little...funny...when you're moving out of state. Just be aware. Some lease-holders explicitly don't allow their cars to be moved out of state. While most do allow it, it gets a little squirrelly because of the recalculation of taxes. Just be aware of this, if you plan on leaving your State.

Here's the site. Pretty informative.

http://www.leaseguide.com/

fshull
09-27-2007, 02:08 PM
You really don't understand the difference of SMG and AT.

F! cars are clutchless Manual....except maybe if you paid attention when the pit the word CLUTCH is on the pool in front of the driver ;)

Clutchless manual is a computer controlled manual. And I bet if you asked an F1 driver they would say they drive MT.


That is the point. How do you heel-n-toe in a clutchless? DSG has twin clutches with one engaged and the other anticipating next gear. It is FASTER than a manual.

The only reason to manually shift over a DSG transmission is personal preference. Amish drive horse buggies for personal preference as well so you are in good company. W/o a clutch, the driver can focus more on the other driving inputs. Btw- I am not against manuals (have driven four of them) but against manual or nothing BS. It is a personal preference. It is not RIDE vs DRIVE - that is bunk.

Beer Goggles
09-27-2007, 02:26 PM
That is the point. How do you heel-n-toe in a clutchless? DSG has twin clutches with one engaged and the other anticipating next gear. It is FASTER than a manual.

The only reason to manually shift over a DSG transmission is personal preference. Amish drive horse buggies for personal preference as well so you are in good company. W/o a clutch, the driver can focus more on the other driving inputs. Btw- I am not against manuals (have driven four of them) but against manual or nothing BS. It is a personal preference. It is not RIDE vs DRIVE - that is bunk.

DSG isn't the argument, you don't have that option in a 335. IT's AUTO and yes it's preference, but driving (to me) is more than playing Grand Tourismo...and yes I use MT when I play that (actually Forza).

We all get lazy when we are older and complain about "work" of shifting, or sitting in traffic.

My reply is "if you bought a "drivers car" you bought it to exploit when you're not in traffic. You didn't need 300hp to go 20mph. I bought my car to enjoy when I have the time. If that's one haripin on the way to work, one on ramp where i"m flat out, it makes it worth the "work".

mryakan
09-27-2007, 04:18 PM
If that's one haripin on the way to work, one on ramp where i"m flat out, it makes it worth the "work".
No hairpins on my way to work :( except the one the lady in front of me dropped out the window while I was waiting for her to get out of my freaking way :stickoutt. I still chose the manual.

djpfine
09-27-2007, 04:48 PM
Here's the site. Pretty informative.

http://www.leaseguide.com/

nice, great site.

mryakan
09-27-2007, 04:54 PM
I especially like this part. I've always looked for these words to describe the benefits of a lease and defend the argument that you are losing money with a lease, but somehow they don't come out as convincing as the way they put it:

"It's true that you'll own nothing at the end of a lease; you'll have nothing "to show" for the money you've put into it. But... what you don't own is the same part of the car's original value — the depreciated part — that a buyer too doesn't own at the end of his loan. Again, a car's value depreciates the same amount whether it is leased or purchased. That money is gone forever, lease or buy.With leasing, you may have the option of putting your monthly payment savings into more productive investments, such as mutual funds or stocks that have the possibility of increasing in value. In fact, many experts encourage this practice as one of the benefits of leasing, though most people will typically find other uses for the money they save by leasing — such as paying the mortgage or buying groceries.
"

Beer Goggles
09-27-2007, 06:19 PM
nice, great site.

That site is pretty close on accuracy, but is a little low. I saved tons of money and really understood what to look for when I did my first lease by plugging #s in and learning.

fshull
09-27-2007, 09:01 PM
DSG isn't the argument, you don't have that option in a 335. IT's AUTO and yes it's preference, but driving (to me) is more than playing Grand Tourismo...and yes I use MT when I play that (actually Forza).

We all get lazy when we are older and complain about "work" of shifting, or sitting in traffic.

My reply is "if you bought a "drivers car" you bought it to exploit when you're not in traffic. You didn't need 300hp to go 20mph. I bought my car to enjoy when I have the time. If that's one haripin on the way to work, one on ramp where i"m flat out, it makes it worth the "work".

The ZF sourced tranny on the 335i is as fast as a manual. Probably faster since the manual would require perfect shifts to keep up on a road course.

A good transmision (DSG, ZF on 335i) is as fast as a manual. Driving a manual may be more fun b/c you control one more driver input (personal preference). Manual shifting does not make it a more or less sporty car. What you can do with a clutch and a knob, some autos can do as well or better by computer.

Shifting just makes it appear more sporty - you are not faster than the ZF tranny. Note: The 328i tranny is left sporty and slower than the manual.

To your lazy point - Get an old sports car w/o power steering, w/o ABS, w/o auto seats, etc. "You young wipper snappers are all lazy - back in the good ole days we had to hand crank the car.":)

Beer Goggles
09-27-2007, 09:43 PM
The ZF sourced tranny on the 335i is as fast as a manual. Probably faster since the manual would require perfect shifts to keep up on a road course.

A good transmision (DSG, ZF on 335i) is as fast as a manual. Driving a manual may be more fun b/c you control one more driver input (personal preference). Manual shifting does not make it a more or less sporty car. What you can do with a clutch and a knob, some autos can do as well or better by computer.

Shifting just makes it appear more sporty - you are not faster than the ZF tranny. Note: The 328i tranny is left sporty and slower than the manual.

To your lazy point - Get an old sports car w/o power steering, w/o ABS, w/o auto seats, etc. "You young wipper snappers are all lazy - back in the good ole days we had to hand crank the car.":)

Actually my next purchase is an old car with what you list. Power stuff isn't computer controlled.

There's a lot of things that other people or other things can do better but where's the pride of accomplishment in that.

galahad05
09-27-2007, 10:13 PM
I'm waiting for the car that has the optional chauffeur mode; reading the paper/surfing the web on the daily commute to work, now THAT is a nice feature.

/off-topic

psucelticXI
09-27-2007, 11:26 PM
Good to see you're alright after the accident... Cars can be replaced, people can't..

djpfine
09-28-2007, 09:00 AM
Good to see you're alright after the accident... Cars can be replaced, people can't..

thanks man. physically fine, but still somewhat emotionally damaged. hopefully I can swing into a 335 soon and put this whole mess behind me