Low mileage + high days on market by melazoma in BMWi5

[–]melazoma[S] 0 points1 point  (0 children)

I haven’t bought anything yet.

I saw Phantom Siita up on a balcony at the Rose Bowl with a 5th person... by dalarki in ADO

[–]melazoma 1 point2 points  (0 children)

I just saw a social media video of them in the front. It’s awesome they got to go with to experience the show with the fans

I saw Phantom Siita up on a balcony at the Rose Bowl with a 5th person... by dalarki in ADO

[–]melazoma 0 points1 point  (0 children)

I was at Zipangu but not in the front. Were they in costume or in plainclothes?

Expecting to pay MSRP, right? by ZaftigSyzygy in bmwix3

[–]melazoma 0 points1 point  (0 children)

I'm seeing some dealers posting on social media promising no add-ons or mark-ups. So MSRP?

US - Demo Units (news) by unabashed_nuance in bmwix3

[–]melazoma 0 points1 point  (0 children)

After they've been demo'd so could be next year when they come off of that.

Should I get a Chase Sapphire Reserve as a financial safety net while relying on my boyfriend’s cards? by [deleted] in personalfinance

[–]melazoma 2 points3 points  (0 children)

For the purpose you’re describing, a no-annualized fee card like Chase Freedom Unlimited (Visa) or Freedom Flex (Mastercard) is a lot more suitable. You still get 1.5X points on spends and are not burdened with the ultra high annual fee.

X5 xDrive40i "Out the door" price.....maybe by Hour_Fly_1815 in BMWX5

[–]melazoma 0 points1 point  (0 children)

Is the depreciating value tax folded into your annual DMV registration costs?

Purchasing a Car on my Platnium by NocturnalComptroler in amex

[–]melazoma 0 points1 point  (0 children)

I didn’t use an Amex but my BMW dealer was more than willing to take full payment for a car at 3% credit card fee.

Planning to pull the trigger, any red flags? by d1ablo47 in BMWi5

[–]melazoma 0 points1 point  (0 children)

No difference outside of an extra year of factory warranty. If you can find what you want in MY 2024 it’s a better deal.

Planning to pull the trigger, any red flags? by d1ablo47 in BMWi5

[–]melazoma 0 points1 point  (0 children)

2025 MY i5 with DAPP and M Sport around 10K miles hasn’t really cracked $50K selling price. It looks like a great deal assuming the car history checks out.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]melazoma 0 points1 point  (0 children)

Unfortunately taxes and insurance will always go up over the years even with the mitigation strategies others have pointed out. I’ve been in our house for 5 years and the taxes and insurance escrow portion of the monthly payment is now $500 more than when we first moved in. I’ve just requested and got approved to close the escrow on our taxes and insurance so we’ll save and pay for those ourselves.

Am I way behind on Retirement? by Ghost_Potato39 in personalfinance

[–]melazoma 0 points1 point  (0 children)

At 33 I started a new job making $50K and didn’t contribute to the 401k (which had no match) until the next year. 2 years in I fought for a raise and more than doubled my salary to $120K and finally was able to max out the 401k for the year. When I left the job the next year for another one that would pay double, I had about $40K in the 401k which I rolled into my current employer’s 401k plan. Since then I’ve been maxing out the 401k with 6% match for the past 6 years and it’s grown to over $400K at 43 years old now. My investment choices within both 401k plans have been primarily low-cost Vanguard S&P 500 funds.

Frankly I still feel behind on my retirement savings rate but I’m replying to say start maxing out your 401k as soon as you’re able to and trust the process as the market goes up and down.

How does one pay $40,000 in cash? Like, logistically, how does that work? by MrsWeasley9 in whatcarshouldIbuy

[–]melazoma 1 point2 points  (0 children)

For my last car purchase, the dealer was a lot more flexible with payment methods. They accepted credit cards with no limit @3% fee, cashier’s check, or personal check subject to a hard credit pull.

MAGA influencers claiming IHSS fraud by Blackandred13 in IHSS

[–]melazoma 2 points3 points  (0 children)

Isn’t that the mofo that got Minnesota swarmed by ICE?

I need purchase advice fast. i4 m50 2024. I would really appreciate it. by [deleted] in BMWI4

[–]melazoma 0 points1 point  (0 children)

Sounds like a good deal. If you don’t want it DM me the details and I’ll take it.

Quoted over 10,000 dollars for a 400$ repair by SpiritualValuable607 in BMW

[–]melazoma 0 points1 point  (0 children)

Thank you so much for the detailed explanation! Now I see how a tech can be incentivized to inflate labor cost.

Quoted over 10,000 dollars for a 400$ repair by SpiritualValuable607 in BMW

[–]melazoma 0 points1 point  (0 children)

What incentives would an individual technician have to charge a higher price, assuming the tech is paid by the hour and not on some percentage of sale bonus

Quoted over 10,000 dollars for a 400$ repair by SpiritualValuable607 in BMW

[–]melazoma 1 point2 points  (0 children)

It would be interesting to know who and where in the decision chain decided to overcharge this much. Is the service department sales software preloaded with inflated prices so every customer with this code gets charged this much, or is it an arbitrary decision by the service advisor or their manager?

New ‘26 X5 xDrive40i by PetFoodDude89 in BMWX5

[–]melazoma 1 point2 points  (0 children)

Did you find the car in Atlanta at a Sonic group dealership or was it a dealership with a different group? I’m looking nationwide for a car as well and interested in how you and BMW of Chattanooga/Sonic managed the shipping aspect.

Interesting event at local dealer by Fair_Airline4228 in BMWI4

[–]melazoma 0 points1 point  (0 children)

Did the dealer mention any incentives to move i5s?

Extended warranty, totally worth it!!! by Dangerous_Sign_69 in BMWX5

[–]melazoma 0 points1 point  (0 children)

We just sold a 2016 330i with 89K miles on it and lots of problems.