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Type: Posts; User: jaylo

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  1. A lot of kids these days just want to get rich...

    A lot of kids these days just want to get rich quickly with instant gratification. The long-term strategies are almost non-existent.


    I had a convo with my friend, back in Mar. 2021 wanted to buy...
  2. https://www.scotiabank.com/ca/en/personal/loans-li...

    https://www.scotiabank.com/ca/en/personal/loans-lines/auto-loan/auto-loan-payment-calculator.html

    Financing a Tacoma TRD Pro at 3.79% will add on $6,700 interest on top of what you agreed to pay.
  3. Not so smart to buy a depreciating asset......

    Not so smart to buy a depreciating asset... Unless you are willing to take the risk.

    Plus, you have to finance. You'd be under your initial investment and barely making a profit, paying for...
  4. Same idea. Time in the market will pay off...

    Same idea. Time in the market will pay off eventually.
  5. The only way to mitigate this is to be smart with...

    The only way to mitigate this is to be smart with whatever money you have, whether you start off as rich or poor.

    Don't be lazy. Time is money. Stay away from social media, news, reality shows....
  6. Borrow HELOC or pay cash for used vehicle. ...

    Borrow HELOC or pay cash for used vehicle.

    Yeah you can afford the monthly but by the time you're done you've added 10-25% cost of the vehicle because of interest.
  7. I did not just walk in and ask for a discount. We...

    I did not just walk in and ask for a discount. We were under the negotiation phase since November and built a relationship over the months, as a customer and seller in a business transaction.

    No...
  8. I do not get a discount on a factory order as...

    I do not get a discount on a factory order as well.

    Dealers are willing to move the vehicle already in stock.

    Being a repeat customer helps as well.

    What is the breakdown of the dealer...
  9. Talk to Wayne Ivan, at Wolfe Calgary,...

    Talk to Wayne Ivan, at Wolfe Calgary, 403-660-5445.

    Let him know Jay sent you so he is aware.
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    I have used this tactic many times. The poorer...

    I have used this tactic many times. The poorer you look, the more buying power you have.

    Obvious that if I show up in a BMW in a private or any dealership, no negotiation.

    I showed up in my...
  11. Replies
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    Tesla for EV and Genesis for ICE?

    Tesla for EV and Genesis for ICE?
  12. Replies
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    This graph is pure FUD (playing on your Fear,...

    This graph is pure FUD (playing on your Fear, Uncertainty, and Doubt)

    Go variable. Variable always win.
  13. Thanks all. There are 2 2021's I was eyeing at...

    Thanks all.

    There are 2 2021's I was eyeing at Jack Carter with performance cat-back exhaust installed - Sand Dune Metallic and Orange Crush in color.
  14. Thank you shakalaka Dealership laundry list: ...

    Thank you shakalaka

    Dealership laundry list:

    BAD

    Shaw GMC Calgary - inflated financing interest way beyond what TD Auto, Scotia, and RBC asking and 6 months locked
    Northgate Chevrolet Buick...
  15. There are incoming 2022 2.8L Duramax but the...

    There are incoming 2022 2.8L Duramax but the 2022's are 1.99% and $4K more approaching the $61K territory
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    This car is super sexy in real life with the wide...

    This car is super sexy in real life with the wide hips.
  17. I don't want to flex, but it has an Aston Martin...

    I don't want to flex, but it has an Aston Martin suspension...

    https://i.ibb.co/F80wPsp/option-1.jpg
    https://i.ibb.co/ZL3xSS8/option-2.jpg
    paste upload
  18. The saga ends as I was able to find a dealer...

    The saga ends as I was able to find a dealer (surprisingly in Calgary) and gave $2K off MSRP with no bull.

    The remaining 2021's which are still arriving at GM dealers have a 0% interest up to 60...
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    I visited Porsche Calgary in the summer and never...

    I visited Porsche Calgary in the summer and never felt so poor.

    From what I recall, Michael mentioned a deposit and a 20% downpayment during the build which could take at least 12 months.
  20. Here is a good example of what you will be...

    Here is a good example of what you will be dealing with when it comes to forced dealer add-ons:

    https://i.ibb.co/dJYqn3v/Stadium-Nissan-Frontier-PRO-4-X.jpg
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    I would compare the QX60 more to the Acura MDX.

    I would compare the QX60 more to the Acura MDX.
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    The X7 starts at $109K there is no comparison...

    The X7 starts at $109K there is no comparison with the technology, driving feel, materials, included as standard versus the QX60.
  23. More updates, different dealership. Luckily,...

    More updates, different dealership. Luckily, there are no dealer add-ons pushed to me BUT...

    Make sure you check the numbers before you sign the dotted line.
    ...
  24. I haven't driven the Diesel but it's definitely...

    I haven't driven the Diesel but it's definitely underpowered. I like the allure of saving gas but the 3.6 gasoline engine does have Active Fuel Management.

    There is a significant delay of power...
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    I just looked up the spec and unfortunate that...

    I just looked up the spec and unfortunate that they are not using the TT V6 and is very underpowered in its class.

    With Calgary's high elevation, it will feel like a luxury turtle.
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    Hey Buster, I have a good relationship with my...

    Hey Buster, I have a good relationship with my dealership. They can get you an X7 but will be missing wireless charging and BMW Display Key (option).

    They have a couple in stock probably willing...
  27. They are not allowed to charge a markup on the...

    They are not allowed to charge a markup on the vehicle MSRP.

    Aside from botching the interest rates, they will upcharge on unnecessary add-ons you can't opt-out of like admin fees, ceramic, tint,...
  28. Just like what max_boost says, HELOC it up ...

    Just like what max_boost says, HELOC it up

    https://i.ibb.co/G0pTzQS/heloc.jpg
  29. Yes, definitely for a diesel version which is a...

    Yes, definitely for a diesel version which is a $4,000 engine package.

    With 2022 at 1.99%, it's the lowest interest you can get on a mid-size.
  30. I love it when the Finance department becomes...

    I love it when the Finance department becomes dyslexic and botches the simple math numbers (deliberately?!):

    https://i.ibb.co/GCQWyB7/wheaton-red-deer.jpg
    insta image download hd

    Numbers...
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    Impressive. I thought the plate number was...

    Impressive.

    I thought the plate number was "Faster, Later"
  32. As a BMW fan, there is definitely better driver...

    As a BMW fan, there is definitely better driver feel and comfort in the X5 vs the X3 when I test drove them, but I get what you mean by the size.

    In today's standards, the X5 seems small compared...
  33. I was also quite surprised that Mike Heninger was...

    I was also quite surprised that Mike Heninger was CC'ed in the email.
  34. Twin_Cam_Turbo, Thinking of placing the '14 X5...

    Twin_Cam_Turbo, Thinking of placing the '14 X5 for sale in early spring. It is not an M Sport BMW but it checks many boxes:

    -One owner, no accidents (some door dings, some rock chips on original...
  35. I actually left work to take a career break. With...

    I actually left work to take a career break. With a huge demand in the workforce since last year, I do not see any issues landing a role at least here in Alberta.

    It is a great time to check off...
  36. New vehicle order and dealership interest hike at Shaw GMC Calgary?

    Buying a 2022 Camaro ZL1 and a 2022 Colorado ZR2...

    What is happening here?

    -Politely telling me to eff off, we don't want to do business with you, or
    -Times are tough, we can do what we want....
  37. Wi-fi thermostats and flood detectors will...

    Wi-fi thermostats and flood detectors will compensate for tenant negligence in the future.
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    -A good battery, you can get it tested at any...

    -A good battery, you can get it tested at any auto shop.
    -Lock/arm the vehicle after use to minimize parasitic draw.
    -Plug it into a smart trickle charger daily.

    Going into 9th year with the...
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    It depends on your definition of what detailing...

    It depends on your definition of what detailing is. It ranges from a quick wash and wax to a full paint correction which is about 20 hours on average.

    A 3-4 hour job usually consists of light...
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    I would not decrease CI payments just to offset...

    I would not decrease CI payments just to offset and use the rest of the fund to invest in the stock market.

    CI and LI are no joke when you need them. The monthly payments, though not appreciating...
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