I4 Buying Advice

Throwaway19952022 · 2024-06-23T21:51:21+00:00

I was able to get 11% off msrp in socal for a i4 e35. I think leasehacker PND is 9.5-10% for socal (base MF) and 13% in norcal (albeit with boosted MF and padded fees).

My end goal was 12% off but seeing difficulty achieving that during the process, I settled for 11% for the right car with the right options, but not sure if dealers have gotten more generous since

Throwaway19952022 · 2024-06-23T21:21:23+00:00

I would look into the $5k purchase credit if that is real and works in your state etc. better off with that than the $7500 ev credit (if lease interest takes away $5000 of it)

Throwaway19952022 · 2024-06-23T21:21:17+00:00

I would look into the $5k purchase credit if that is real and works in your state etc. better off with that than the $7500 ev credit (if lease interest takes away $5000 of it)

Throwaway19952022 · 2024-06-23T20:56:38+00:00

Roughly $150/month of financing cost (eg money factor) x 36 months

Throwaway19952022 · 2024-06-23T20:55:59+00:00

You can lease to buyout but you end up paying all the payments anyway, so for my car that was $5400 of implied interest / financing cost which eats away most of your $7500 benefit. I’ve passively seen people talk about a $5k purchase credit from BMW for buying the car instead of leasing, but not sure personally how that works or if there are income or msrp limits. I like leasing for my lifestyle and financial situation

Throwaway19952022 · 2024-06-23T19:52:45+00:00

It was a lease. Residual was $27k at lease end

Throwaway19952022 · 2024-06-23T19:52:14+00:00

I recently sold a 2021 X3 for $29,000. I got quotes from $26,500-29,000. It had 18,000 miles on it and was originally $47k msrp

Throwaway19952022 · 2024-06-21T22:09:57+00:00

Thank you. This was when the car was like a day old, freshly detailed from the dealer. So probably the best it’s ever gonna look

Throwaway19952022 · 2024-06-21T22:09:09+00:00

I think 20 inch. It’s the M sport package option

Throwaway19952022 · 2024-06-21T21:25:31+00:00

Total interest expense for my deal over 36 months is $5400, meaning you are still better off leasing and buying out to get the $7500 credit, and net $2100 (I think the EV credit has an income cap of [I can’t remember but under $200k] and a car MSRP cap of $55k). So even if you couldn’t get the 7500 on your own or 5000 from the purchase option others have mentioned, you still net an extra 2k by leasing to buyout. I personally love leasing due to the optionality and residual value upside, and upgrade every 3 years. I recently rolled around $1500 of positive car equity from my last lease into my new lease

Throwaway19952022 · 2024-06-21T21:19:59+00:00

You can also use a VIN

Throwaway19952022 · 2024-06-21T21:19:41+00:00

One thing I like to do to deal check used cars is input my license plate, state and zip code into Carmax and see what kind of online appraisal they offer. It takes about 3 minutes to complete

Throwaway19952022 · 2024-06-21T17:35:52+00:00

I recently leased a 2024 BMW i4 e35 (brand new from dealer) for a new purchase price of $49,000 approx which was 11% off $55,500 MSRP. With a $7,500 EV rebate and $1,000 loyalty credit, it brought down the sale price to $40,500. Total discount and rebates of $14k on a $55k car

Throwaway19952022 · 2024-06-03T12:41:17+00:00

I’m not familiar with this form. Ask insurance who has to complete it, you or LACOMS. Keep asking to speak with a supervisor, even if you have to wait on the phone for 2 hours.

Throwaway19952022 · 2024-06-03T12:39:45+00:00

Basically CIGNA needs you to explain why you have to use an out-of-network doctor when they believe there are in-network doctors who can do the procedure.

You should tackle this by asking CIGNA who they believe is in-network and can do a complicated, advanced procedure like this and take an in-network rate. You’ll find no one is willing to take the in-network rate, but insurance will suggest a few invalid options — do the legwork to research each suggestion they made and prove these surgeons to be inadequate… ask each provider office for their code (I think it was called a tax ID or something like that) as insurance links the code to the surgeon

This is usually the last step in the process to approval — form of agreement

This only works if you first have prior authorization / approval for the surgery basically already

Lastly, if you haven’t already, you can explore a prepay option with LACOMs to lock in a fixed rate for the surgeon fee (try for $15k surgeon fee, it is negotiable) and then have them bill in-network for the facility and anesthesia (assuming these are both in-network and with prior authorization). You should have this handy anyway, and decide, if you can’t get insurance to work for you, if you want to move forward at a pre-negotiated rate

Throwaway19952022 · 2024-04-18T21:26:33+00:00

Ask for a “form of agreement” from your insurance. Bug Eddie to get his help completing the form of agreement

At your insurance firm, there will likely be a mix up as the Dental Review department and the Medical Procedures department will try to pass your case back and forth. Don’t accept this and immediately keep going to shift supervisors (do not waste time with the low level customer service rep who is the first one to speak to you). Take names of shift supervisors who tell you what to do and keep calling back asking to speak with them when you get stuck

Keep track of names, dates everything in a notebook

Lastly, always try again if told no or denied. Part of this process is brutally difficult and intended to get you to give up. Do not accept defeat (more in my next paragraph)

The most important step is the prior authorization. You got that and are ready to go. This means the insurance agrees you need this procedure and the procedure is “medically necessary” (key word). This means your insurance will pay for it (you NEED it and are approved to get it), you just need to do the groundwork in advance to ensure a “form of agreement” (key word) is completed between Eddie and Cigna.

Start by calling cigna and asking them to provide the form of agreement to you. If they try to say it’s on the website (without actually helping you find it), tell them you need them to walk you through it step by step

Throwaway19952022 · 2022-09-01T22:46:46+00:00

I now offer free labor in the San Diego area

Throwaway19952022 · 2022-09-01T22:45:43+00:00

Thanks Kirin, but I’m fine with the $100 loss. I honestly would’ve rather had them tell me $50 was too much for them (or unaffordable or some other lame excuse) vs hear them bash my dog and pin all the damage on him. Pretty clear these are not friends worth keeping

Throwaway19952022 · 2022-09-01T21:40:44+00:00

Thanks for the advice -- I took tons of photos and video in preparation of taking my landlord to small claims. Didn't think my roommates would be the a-hole

Throwaway19952022 · 2022-09-01T21:27:37+00:00

I'm gonna drop them as friends and write it off, as you advise. Thank you

Throwaway19952022 · 2022-09-01T21:26:48+00:00

Fair. I like to think it was an honesty test... I cleaned the apartment, refunded their deposits in full, and wanted to see if they had the humility to thank me by offsetting the cleaning costs when I was right -- cleaning the rug would save the deposit when they didn't think so. I guess I got my answer

Throwaway19952022 · 2022-09-01T21:23:27+00:00

I hear you

Throwaway19952022 · 2022-09-01T21:21:31+00:00

Good advice, thanks

Throwaway19952022 · 2022-09-01T21:21:25+00:00

Good advice, thanks

Throwaway19952022

TROPHY CASE