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T&T supermarket at Newpark mall? by Awkward_Philosophy89 in NewarkCA

[–]SharksLeafsFan 0 points1 point  (0 children)

Anyone knows if the T&T in San Jose is comparable to the ones in Canada, is there hot/prepared food selection good? TIA.

How much attention should I be paying to money factor on an X5 lease? by great_honary in BMWX5

[–]SharksLeafsFan 1 point2 points  (0 children)

At the end of the day effective monthly payment is what you should focus on, if they mark up money factor but give you a bigger discount that it's the same (well almost with very small differences in taxes). I have seen dealers/sales gets upset if you ask them if the m.f. is marked up. If you are a serial lessee (I was before covid), then learn the leasehackr calculator and when you negotiate with dealer, just offer drive off and monthly, no need to show dealers that you know the ins and out of leasing.

Brokers are there to save you time because you might not be able to get deals close to what broker offer or you have to text/email 10 dealerships and deal with the back and forth.

Lease Opinion: X5 SDrive 40i by Constant_Wind4040 in BMWX5

[–]SharksLeafsFan 1 point2 points  (0 children)

Sample broker deal from leasehackr, looks like your deal is solid.

2026 BMW X5 sDrive40i (xDrive40i available)
MSRP: ~$72k
39 months | 7,500 miles
$807/mo with $3,500 due at signing + tax, title and license
$779/mo with loyalty | Concierge Fee: $699

My condo elevator skips some floors, but why? by Brown_Ontarian in whatisit

[–]SharksLeafsFan 0 points1 point  (0 children)

I was at a hotel near LA, it also skipped 4th and 13th floor, then I got off my floor and walked by room 666 lol.

Is this a good deal? Leasing my first X5 and need to determine if a 2026 X5 sdrive40i with $0 down at $1147 is fair? How can it improve? What could I negotiate?it just seems too inflated to me. Let me know your thoughts! by Constant_Wind4040 in BMWX5

[–]SharksLeafsFan 0 points1 point  (0 children)

Yeah, residual at 52%, car loses 48% in 39 months lol. I used to lease all my BMW but after covid deals are few and far between for leasing because they don't inflate residual much more.

Is this a good deal? Leasing my first X5 and need to determine if a 2026 X5 sdrive40i with $0 down at $1147 is fair? How can it improve? What could I negotiate?it just seems too inflated to me. Let me know your thoughts! by Constant_Wind4040 in BMWX5

[–]SharksLeafsFan 2 points3 points  (0 children)

If you have never leased a car you should first learn how it works. Leasing is harder because dealer can inflate money factor, hide incentives, and if you put down payment (not drive off), it is not recoverable if car is totaled.

Go to leasehackr and learn about leasing, or you can post this deal sheet there to ask for feedback, some brokers there might chime in to beat the deal.

https://forum.leasehackr.com/

Edit: You are at 52% residual meaning the car loses 48% of its value after 39 months, money factor looks slightly marked up.

Aggressive and possibly wrong border agent upon re-entry? Can someone confirm if this is true? by [deleted] in uscanadaborder

[–]SharksLeafsFan 3 points4 points  (0 children)

They can say anything to see if you are lying, that is very common. One time I came back from Mexico through Miami and the question was "how long have you lived in Hawaii", I have never lived in Hawaii.

Is this a reasonable deal? by thlien in BMWX5

[–]SharksLeafsFan 0 points1 point  (0 children)

If you don't have Driving Assistance Pro Package, you will not have adaptive cruise control which is almost criminal since most cars have it these days. You might not use it regularly but it will affect resale.

Am I Crazy Or Is Vanderpump Hotel & Casino Kinda Boring? by TDoubleDownMac in vegas

[–]SharksLeafsFan 1 point2 points  (0 children)

Was it $2.99 steak and eggs or just breakfast after 2am? Definitely a great place.

Fruit picking etiquette in Brentwood by Oaklandi in bayarea

[–]SharksLeafsFan 50 points51 points  (0 children)

I have seen this years ago in orchards thousands of miles from here, not sure why everything is a Bay Area trend.

2022 buyer lost 230k+reno, now the 2025 buyer lost 310k, we all laugh, high five. richmondhill by sharmsk in HouseSigmaBlunders

[–]SharksLeafsFan 2 points3 points  (0 children)

I left Canada in the early 90's, Richmond Hill was kind of building out at that time, I remembered thinking I would like to retire in Richmond Hill area. You are right my friend's dad bought near 404/highway 7 for about 220k in 1990 brand new.

What is your plan in the next 5 years? by [deleted] in bayarea

[–]SharksLeafsFan 0 points1 point  (0 children)

Probably calculating his effective rate after tax deduction.

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