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      04-22-2015, 09:56 PM   #45
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Originally Posted by E90potentialbuyer View Post
Across the river in JC now - 7%!
^^ Yeah I just saw that and edited my post. Taxes out the ass man. 33% income tax, then an additional 8.875% sales tax on the money I'm already paying taxes on.
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      04-22-2015, 10:04 PM   #46
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Originally Posted by Crisp View Post
You're in NY aren't you? What are you paying for tax? Haha.

Edit - Just saw NJ.

So I'm at $945; an $12/month discrepancy that I'm trying to figure out currently.
So based on those inputs, I calc:
Monthly: $855.54
Tax: $75.93
Total (monthly + tax): $931.46 / month which is very close to what you have of $933.xx?
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      04-23-2015, 07:57 AM   #47
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Originally Posted by E90potentialbuyer View Post
Not really. 15% ROI? You put $6,300 up front and you get a benefit per month in lease payment reduction (~$75 for the said car) + you get principal back at the end (assume at the end of month 36 in a 36 month lease). Your IRR on this investment (value of lower monthly payments) is about 1.2% on a time value basis. Happy to send you my excel.
Sorry, you got something wrong. If u put $6300 in the bank and get $80/mo for 36 months that's $2880 on a $6300 investment in 3 years.


ROI = Net Profit / Net Investment x 100

$960/$6300x100= 15.2%

Now I understand that there's is a loss on value of your money some where in the neighborhood of 2-3% annually. Still , show me where u can get a no risk ROI like this.

Last edited by Thor2j; 04-23-2015 at 08:24 AM..
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      04-23-2015, 01:29 PM   #48
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Quote:
Originally Posted by Thor2j
Quote:
Originally Posted by E90potentialbuyer View Post
Not really. 15% ROI? You put $6,300 up front and you get a benefit per month in lease payment reduction (~$75 for the said car) + you get principal back at the end (assume at the end of month 36 in a 36 month lease). Your IRR on this investment (value of lower monthly payments) is about 1.2% on a time value basis. Happy to send you my excel.
Sorry, you got something wrong. If u put $6300 in the bank and get $80/mo for 36 months that's $2880 on a $6300 investment in 3 years.


ROI = Net Profit / Net Investment x 100

$960/$6300x100= 15.2%

Now I understand that there's is a loss on value of your money some where in the neighborhood of 2-3% annually. Still , show me where u can get a no risk ROI like this.
You're right. It's 15.25% IRR and same for ROI. Drinking and excel'ing not a good idea. Good catch
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      04-23-2015, 09:48 PM   #49
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Quote:
Originally Posted by Thor2j
Quote:
Originally Posted by E90potentialbuyer View Post
Not really. 15% ROI? You put $6,300 up front and you get a benefit per month in lease payment reduction (~$75 for the said car) + you get principal back at the end (assume at the end of month 36 in a 36 month lease). Your IRR on this investment (value of lower monthly payments) is about 1.2% on a time value basis. Happy to send you my excel.
Sorry, you got something wrong. If u put $6300 in the bank and get $80/mo for 36 months that's $2880 on a $6300 investment in 3 years.


ROI = Net Profit / Net Investment x 100

$960/$6300x100= 15.2%

Now I understand that there's is a loss on value of your money some where in the neighborhood of 2-3% annually. Still , show me where u can get a no risk ROI like this.
It's good if you have the cash laying around and if you're the type of person that can commit to a 3 year lease.
It's horrible if you need to get out of a lease early.

I see a bunch of people trying to get out of a lease with MSD in place and asking to recoup 100% of this money. One guy on this forum has a great monthly ~$900 for an M5 but is asking for $6k in MSD's. The car isn't budging - that's the problem.

Again, great investment if you can commit to a 3yr lease.

I can't commit.
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      04-24-2015, 10:51 AM   #50
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You're right. It's 15.25% IRR and same for ROI. Drinking and excel'ing not a good idea. Good catch
Ha-ha, all good!!!
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      05-02-2015, 03:40 PM   #51
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May numbers anyone?
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      05-02-2015, 07:30 PM   #52
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Quote:
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May numbers anyone?
ill post them monday. David is out and we are closed tomorrow
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      05-03-2015, 07:20 PM   #53
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Originally Posted by GOLFFRR View Post
ill post them monday. David is out and we are closed tomorrow
Since you are helping people in this forum (which is appreciated) it would be a good idea if moderators dedicate a special section for you to post monthly numbers of all M cars (M3/M4/M5/M6/X5M/X6M,...)
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      05-03-2015, 07:55 PM   #54
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ill post the rates in each of the pricing threads when I can.
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      05-03-2015, 08:49 PM   #55
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Quote:
Originally Posted by M6-Coupe View Post
Since you are helping people in this forum (which is appreciated) it would be a good idea if moderators dedicate a special section for you to post monthly numbers of all M cars (M3/M4/M5/M6/X5M/X6M,...)
I agree, this should be a sticky. GOLFFRR has queitly helped this forum tremendously here and other threads. Never a controversial post either! That's worth something, lol. Even though I don't live in SoCal, he gave info that helped me to negotiate my car from this thread.
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      05-04-2015, 02:09 PM   #56
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2015 BMW M5  [0.00]
Would also love to know the May numbers!
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      05-04-2015, 03:04 PM   #57
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36 mo
Mf .00129
M5
15k 60%
12k 62%
10k 63%
M6
15k 53%
12k 55%
10k 56%
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      05-04-2015, 03:07 PM   #58
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The MF can be lowered?
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      05-04-2015, 05:31 PM   #59
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The MF can be lowered?
Yes , with MSDs
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