Because i can, I've worked hard for my money and life is too short to keep driving my Proton Persona Elegance or anything of the same level

As you grow your income you upgrade your lifestyle too. As long as you do it within your means you will be OK

1. Faster car, and I need to go to places quickly
2. Much more comfortable
3. Helps close the deal. When you have two great agents, one drives a BMW and the other drives one-step lower, subconsciously you will be attracted to the Bimmer. My sales numbers as of May have equaled my previous year's
4. The Persona was too old. I could have jumped to a mid-level like a Civic or a Mazda 3 but I'd say why not quantum leap all the way to a German marque?
5. It was my dream car anyway, the 3 Series (or a C-Class)
6. As an extension to number (3), I am an insurance/takaful agent. Of course I have to drive a BMW/Merc/Audi

This post has been edited by wild_card_my: Jun 1 2020, 02:22 AM

Yes, but I could have gone for some old-model BMW F30 3 Series, the 2017 318i, with only three cylinders, 1.5L engine that sells for only RM100k, my clients most likely would not know that it was quite cheap (cheaper than a new Civic)

Instead I went for the G20 330i (2L engine with 258 HP and 400 Nm) because I wanted the best-in-class. There isn't any better performing 3 Series or C-Class model in Malaysia (German marques only, not interested in Japanese or Korean)

So the first few reasons was as I claimed: fast car, to get to places quickly. And it had to be BMW or Merc

This post has been edited by wild_card_my: Jun 1 2020, 02:37 AM

At this rate I will double my 2019 numbers. So easy to close the deals now. My confidence have shot through the roof. A number of k/tards hate my guts now

But that's fine, my clients can see that I am more gungho now and more have become repeat-customers

"the carriage maketh the man"

This post has been edited by wild_card_my: Jun 1 2020, 02:42 AM

Thanks. And at the same time I zoom through the highways on my new car feeling good. Just so much benefits


But wait, don't go buying into my tales if you work an office job. You would need a different type of motivation and/or reward. If your income is rm4k now, will buying a Mercedes ensure your salary to double next year? Unlikely

Different methods for different people

yes. Im a traveling salesman, meet clients at the four corners of Klang Valley, sometimes Seremban too. Barring speed traps, a good car is more stable and you would be less likely to feel the vibrations when driving fast; gets you to your destination faster and arriving fresher and flashier

Luckily I enjoy cars in general. So i get double benefits, good for my well-being and good for my work performance

Correct. And different people have different priorities

People who complain about other people's car spending probably spend ungodly amount on other things too like watches, vacations, weddings, foods, etc

I just don't care about those things as much as I care about my car. Plus my flashy car helps close my insurance deals

To be honest, it is no different than clothes

"The carriage maketh the agent. Proton-driving-agents have no influence in the market". I was driving my Persona Elegance for the longest time, the Bimmer really makes it easier to close deals, even if all it does is boost my confidence

That is fair, and you won't see me criticizing your spending. Problem is that many would criticize those spending so much on cars while they themselves have their own "vice spending" that do not make much if any personal finance sense

Correct. Ive never skimped on my meals, never concerned about the cost of my meals and clothes too, im doing OK

But here's the problem, plenty of people are quick to jump on the conti buyers without understanding how much they earn. I am not about to publish my borang B or my spending receipts to show that I can afford the car and live a good life la haha

This post has been edited by wild_card_my: Jun 1 2020, 11:07 AM

Can you explain this counter effect?

Ah those kinds of clients; tell you what, for every client like that, there will be 10x clients who think that you got your car/house/clothes/watches/career/life in good order because you are enthusiastic about your job

Don't drive lesser cars just because of clients that are unable to keep their fingers to themselves. If it wasn't your car, they would still be looking for other excuses for them to ask for a discount. I prefer to win my prospects over based on my knowledge and experience; while my Bimmer is a testament to my abilities and trust afforded to me; if the prospects can't see past solely on the money I make, then I do not want to be my clients because they will be fussy and would bullshit their way for premium holidays, yearly "gifts", etc.

As for myself, since I got my 330i in January I have equaled my 2019 sales by end of May, so it is likely that I will double my 2019 numbers by the end of this year; my performance is based on my abilities as well as my confidence, and the Bimmer reminds me that I am good at my job, it is a life yardstick, so to speak. Plenty of insurance agents spend years and still end up earning similar levels to when they started. I started selling insurance in early 2017, it has been three years since January 2020 when I registered my Sunset Orange; I should have been able to do it in a year after joining, but I took some time through the learning the curves

The commission rate and structure are not adjustable, if the clients wants a piece of that, they can take a hike and find other agents. They have to treat me with as much respect as I give them, we are both on equal grounds, neither party is superior to the other. I do not beg for their patronage; nor should they long for my services

This post has been edited by wild_card_my: Jun 1 2020, 11:59 PM