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 Can I afford a BMW f30 with my current income?

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cybermaster98
post Jan 11 2016, 01:55 PM

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QUOTE(Darren @ Jan 11 2016, 09:12 AM)
Different people, different perspective...

Got a cousin already millionaire but still drive a japanese sedan... cars are not for everyone's...

For some, nothing more than a convenient tool...
Is being a millionaire these days a big deal? I don't think so. Quite a number of those in their 30's/early 40's are already past the million mark for NAV.
cybermaster98
post Jan 11 2016, 01:58 PM

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QUOTE(wobbles @ Jan 11 2016, 09:40 AM)
Agree wholeheartedly. Very important to buy what you're comfortable driving, and more importantly, to buy well within your means. As I've shared in this thread, my rule of thumb is never to buy a car that costs more than 10% of my annual income. Some members of the forums then came to attack me to say that was a stupid rule, and that it should be never to buy more than the sum of one's annual income etc etc. To each their own la.
I think the bold is a bit nonsensical don't you think?

If my annual income is RM300,000, then I should get something that costs less than a Myvi???
wobbles
post Jan 11 2016, 02:03 PM

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QUOTE(cybermaster98 @ Jan 11 2016, 01:58 PM)
I think the bold is a bit nonsensical don't you think?

If my annual income is RM300,000, then I should get something that costs less than a Myvi???
*
Like I said, that's my rule. Obviously, my rule only applies to myself, and to me, it makes perfect sense. I'm not so bigheaded as to say that everyone else needs to follow what I set for myself. I keep to that rule for a simple reason - different strokes for different folks. If I made only $300,000 a year, I wouldn't want to own a car. I'll wait until I made more. I'd like to think that's how I ended up making the kind of money I'm making now. But, obviously, if you made RM300,000 and you wish to splurge on a set of wheels, who am I to stop you? Peace.
cybermaster98
post Jan 11 2016, 02:09 PM

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QUOTE(wobbles @ Jan 11 2016, 02:03 PM)
Like I said, that's my rule. Obviously, my rule only applies to myself, and to me, it makes perfect sense. I'm not so bigheaded as to say that everyone else needs to follow what I set for myself. I keep to that rule for a simple reason - different strokes for different folks. If I made only $300,000 a year, I wouldn't want to own a car. I'll wait until I made more. I'd like to think that's how I ended up making the kind of money I'm making now. But, obviously, if you made RM300,000 and you wish to splurge on a set of wheels, who am I to stop you? Peace.
OK noted. Was wondering if it was a typo. But fair enough. That's your rule.
cybermaster98
post Jan 11 2016, 02:12 PM

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Anyway, I managed to get myself a brand new unregistered zero mileage 2015 F10 520i last month with a 65K cash discount and about 11K worth of freebies (excluding the 5 yr or 100,000km free servicing).
wobbles
post Jan 11 2016, 02:33 PM

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QUOTE(cybermaster98 @ Jan 11 2016, 02:09 PM)
OK noted. Was wondering if it was a typo. But fair enough. That's your rule.
*
No worries. Different people make different salaries. I want to keep a tight lid on my car spending otherwise money will go down an endless tube very quickly! Besides, the wife wouldn't have any of it - and we all know that the wife must always be obeyed! Haha.

QUOTE(cybermaster98 @ Jan 11 2016, 02:12 PM)
Anyway, I managed to get myself a brand new unregistered zero mileage 2015 F10 520i last month with a 65K cash discount and about 11K worth of freebies (excluding the 5 yr or 100,000km free servicing).
*
Congratulations! Please post some pictures over at the thread for new cars and share with all of us!

Edited to include link for cybermaster98 to post his pictures!!

This post has been edited by wobbles: Jan 11 2016, 03:26 PM
Brandon323
post Jan 11 2016, 03:20 PM

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QUOTE(cybermaster98 @ Jan 11 2016, 02:12 PM)
Anyway, I managed to get myself a brand new unregistered zero mileage 2015 F10 520i last month with a 65K cash discount and about 11K worth of freebies (excluding the 5 yr or 100,000km free servicing).
*
Appreciate if you can elaborate a bit on what is the OTR price, what is the price you pay and what exactly is 11k of freebies? Thanks thumbup.gif
TSjay881209
post Jan 11 2016, 04:51 PM

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Guys, give some opinion leh...

Any A4 user here? How is the car overall?
hilal74
post Jan 11 2016, 04:55 PM

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Go to BMW Premium selection. You can get better bargain over there. The cars also comes with warranty and free maintenance.
amdxp
post Jan 11 2016, 05:02 PM

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2012 A4 is the 1.8T version ? It's front wheel drive plus CVT. I think E90 325i is the better bet.
kelvinftg
post Jan 11 2016, 07:15 PM

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QUOTE(jay881209 @ Jan 10 2016, 07:51 PM)
Hi Guys,

Recently I found a very good bargain used car due to bad economy. Hehe..

Used 2012 E90 325i @ RM100k vs Used 2012 Audi A4 @ RM100k

What do you guys think of these 2? Which one should I put my chip into?
*
Are both of them the facelifted versions? Is the E90 325i an M Sport? For me, I will go for the A4 if it is the 2.0t Quattro but that is unlikely the case given the price.
TSjay881209
post Jan 11 2016, 07:19 PM

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QUOTE(kelvinftg @ Jan 11 2016, 07:15 PM)
Are both of them the facelifted versions? Is the E90 325i an M Sport? For me, I will go for the A4 if it is the 2.0t Quattro but that is unlikely the case given the price.
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The E90 is facelift version but not m sport. A4 is not the facelift version, and it's 1.8 tfsi.
kelvinftg
post Jan 11 2016, 08:34 PM

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QUOTE(jay881209 @ Jan 11 2016, 07:19 PM)
The E90 is facelift version but not m sport. A4 is not the facelift version, and it's 1.8 tfsi.
*
Forget about the A4 then.
amdxp
post Jan 12 2016, 09:09 AM

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QUOTE(jay881209 @ Jan 11 2016, 07:19 PM)
The E90 is facelift version but not m sport. A4 is not the facelift version, and it's 1.8 tfsi.
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Is the E90 a recon car instead of local LCI model ? As I am aware, all LCI 325i sold by Autobavaria were all M sport right ? And does it have the idrive screen ?

If no then that is a low spec version ler

TSjay881209
post Jan 12 2016, 11:27 AM

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QUOTE(amdxp @ Jan 12 2016, 09:09 AM)
Is the E90 a recon car instead of local LCI model ?  As I am aware, all LCI 325i sold by Autobavaria were all M sport right ?  And does it have the idrive screen ? 

If no then that is a low spec version ler
*
I see. Then yes, It's a local LCI model with idrive screen. But my lady boss said F30 is nicer... 😔
wobbles
post Jan 12 2016, 12:23 PM

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F30 is da bomb. It's a great car smile.gif I had a base model F30 316i from 2013 to 2014, simply because I loved the look so much, I just had to have it. Of course, buyer's regret soon after plonking down my hard earned money for it, because as a base model, it lacked a lot of the creature comforts that I was used to. Still, it's one of BMW's best looking cars in my humble opinion:

user posted image
6UE5T
post Jan 12 2016, 07:48 PM

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QUOTE(cybermaster98 @ Jan 11 2016, 01:58 PM)
I think the bold is a bit nonsensical don't you think?

If my annual income is RM300,000, then I should get something that costs less than a Myvi???
*
The richer a person is, the smaller the portion of income is used to buy cars or most other things.
If you notice his posts and his list of cars in his signature and his other thread, he is implying how extremely well he is doing already now. brows.gif
wobbles
post Jan 12 2016, 08:08 PM

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QUOTE(6UE5T @ Jan 12 2016, 07:48 PM)
The richer a person is, the smaller the portion of income is used to buy cars or most other things.
If you notice his posts and his list of cars in his signature and his other thread, he is implying how extremely well he is doing already now.  brows.gif
*
As I mentioned, it's MY rule - one which has served me very well, in order to keep my otherwise insatiable thirst for all things petrol on wheels in check. I never said it was something you or anyone else should follow - it's not my place to pontificate, and it's certainly not my intention to preach. What has worked for me might not work for you - otherwise, you'd be the one listing the cars you own, in your signature.

I realise one thing - there are a lot of jealous people here in the forum. Where as, in other forums that I frequent, there's a lot more constructive and intelligent criticism and dialogue, there's an undercurrent of envy, jealousy and the "tall poppy syndrome" quite prevalent in this one. I've tried my best not to offend the sensitivities of the forum users (as shown by my amended threads), but honestly, I don't feel the need to apologize for having done well in life, because I did it without stealing, without cheating, without any handouts, without any affirmative bumiputra policies or political benefits or racial considerations, and I certainly didn't get to where I am today by way of generous anonymous donors. In fact, if anything at all, I should feel a certain amount of pride that I got to where I am today INSPITE OF and DESPITE the discrimination, the racism, the politics, the NEP, the Bumiputra-first, the cronyism, the nepotism and the apartheid unfairness that is Malaysia.

In closing, I need to make a minor correction to your assertion:

QUOTE
If you notice his posts and his list of cars in his signature and his other thread, he is implying how extremely well he is doing already now.  brows.gif


I'm not implying anything - I don't need to. I know how much I'm worth, I know how much I make, and I'm comfortable where I am. If my success offends you, that's your problem, not mine.

Good day.
6UE5T
post Jan 12 2016, 08:28 PM

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QUOTE(wobbles @ Jan 12 2016, 08:08 PM)
As I mentioned, it's MY rule - one which has served me very well, in order to keep my otherwise insatiable thirst for all things petrol on wheels in check. I never said it was something you or anyone else should follow - it's not my place to pontificate, and it's certainly not my intention to preach. What has worked for me might not work for you - otherwise, you'd be the one listing the cars you own, in your signature.

I realise one thing - there are a lot of jealous people here in the forum. Where as, in other forums that I frequent, there's a lot more constructive and intelligent criticism and dialogue, there's an undercurrent of envy, jealousy and the "tall poppy syndrome" quite prevalent in this one. I've tried my best not to offend the sensitivities of the forum users (as shown by my amended threads), but honestly, I don't feel the need to apologize for having done well in life, because I did it without stealing, without cheating, without any handouts, without any affirmative bumiputra policies or political benefits or racial considerations, and I certainly didn't get to where I am today by way of generous anonymous donors. In fact, if anything at all, I should feel a certain amount of pride that I got to where I am today INSPITE OF and DESPITE the discrimination, the racism, the politics, the NEP, the Bumiputra-first, the cronyism, the nepotism and the apartheid unfairness that is Malaysia.

In closing, I need to make a minor correction to your assertion:
I'm not implying anything - I don't need to. I know how much I'm worth, I know how much I make, and I'm comfortable where I am. If my success offends you, that's your problem, not mine.

Good day.
*
Nope, I'm not offended by your success, I also have known many very successful people too, just telling the other poster if he/she doesn't realize that yet.
Good day to you too.
TSjay881209
post Jan 13 2016, 01:19 PM

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QUOTE(wobbles @ Jan 12 2016, 12:23 PM)
F30 is da bomb. It's a great car smile.gif I had a base model F30 316i from 2013 to 2014, simply because I loved the look so much, I just had to have it. Of course, buyer's regret soon after plonking down my hard earned money for it, because as a base model, it lacked a lot of the creature comforts that I was used to. Still, it's one of BMW's best looking cars in my humble opinion:

user posted image
*
I think I should not make my decision now, wait till the F30 price drop and I would get a good 2nd hand F30. Agree?

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