Howdy, Stranger!

It looks like you're new here. If you want to get involved, click one of these buttons!


Kirstie_H ·


Last Active


  • mtmcgraw

    How do I post a question? I see no post box

    August 21
    • Kirstie_H
      If you are on any forums page, look to the right - there's a link right under your user name that says "New Discussion." That's where you can start your own thread. If that's not what you're looking to do, write back and I'll be happy to help.
  • Kirstie_H changed their profile picture.
    July 10
  • kuls4

    Looking at leasing a 2014 Audi S4. new done a lease before, so looking for some help. Looking at a Prem Plus stickered at $54,150 (with Nav, metallic paint, sport diff). What is invoice or what would be a VERY good price for it?

    With exception credit, what should a 36 month/10K year lease look like with $2K down + closing costs in Sourthern California (MV, residual, etc) and anything else I should know? Looking to lease in June/July unless better deals/incentives would be coming by the end of the year?


    June 18
    • Kirstie_H
      'm not a lease specialist by any means, but I do know the guys who are - you can find them in our S4 Lease Questions discussion here:

      If you post your question there, michaell or kyfdx should be able to help you out.
    • nring
      @Kuls4 definitely post in lease area. it is very simple. the dealer will make it hard for you. when leasing you need 4 important things, most of which is right here on Edmunds. 1. MSRP 2. Net Cap Cost (selling price or negotiated deal on the vehicle you and the sales nerd agree too. FYI Cap Coast always includes the vehicles destination fee if 895), 3. Money Factor (MF) is is basically the APR of vehicle an looks like .000123 for example 4. Residual- this is a number usually 40-55%. It is what the car is worth after the is up. The MF and the residual are affected by the term of the lease ie 36, 48 months and the mileage per year 10K, 12K, etc. but #2 NET CAP COST is so important to have. Without it you have no negotiating room. Edmunds TMV or True Market Value is an avg of what people in your are are negotiating the cap cost. it is a guide to where you should be. definitely lower then MSRP, sometimes way below invoice or at invoice. all depends. i suggest you read a few articles, jump in a forum for audi and ask people in the the area you live what they negotiated, and let @kyfdx help you with the current MF and residual rates. I also suggest staying away from TrueCar application. It is nonsense and very confusing. i like sending a generic email to the web managers at dealers detailing the exact numbers you need from them. they will call (if you have a google # or something use that) and they will email nonsense to get you to come in (again grab an email alias or set up a google one cause the spam will roll in). here is a great link to a lease calculator your can run: (click run in the middle of the page. also on under car reserach find your local audi group and see what people are saying. I got a great deal as an awesome edmunds member gave me the name and number to a sals rep and even introduced me to him and gave me the same deal. finally,under car research tab on edmunds read a few articles. you can type in search bar "lease for example. here is an article: 10 steps to leasing it good to familiarize yourself with glossary terms. Good luck. Don't act desperate. hopefully u have time, and the longer you hold the them out the better for you. if you want to tst drive the car do so locally. Always tell em your looking to buy, this way you can negotiate the Cap cost. When the dealer asks you what prices your being quoted tell them 1 million dollars. its frustrating because who cares and what does that have to do with the conversation. its none of his business. I say, "i dont have time for games, answer my questions, tell me to go away, there is a dealer out there who will make a deal. it's ok mr dealer to say NO. I prefer you to then play games. every dealer has a different appetite. ie/ in NJ Ray Catina moves volume and his prices are really good- customer service eh, but he makes money on dealer kick backs so gives low price. My dealer down the street who sells 2 care a week compared to Ray who sells 25 week, well he cant compete. thats ok." Have fun. it is really a simple thing but the auto business is a commodity, saturated, worst of all hires "sale people" who dont know about their product or even how to do a lease long hand. they know the consumer has tons of info at their finger tips. why they play games, no idea. -Noah Ring
  • sb55

    Kirstie, How to you attach photos? Copy/paste doesn't work. SB55

    June 2
    • nring
      scroll up this page. see the white activity box? the last icon looks like a pice of paper. you can click the arrow and spawn a window to open to attach a file from computer or just drag and drop the attachment into the box
  • Kirstie_H earned the 25 Likes badge.
    You received 25 Likes. You're posting some good content. Great!
    June 2
  • ccambre

    Kirstie- I am looking at the 2014 BMW X3 lease special. I can arrive at the advertised numbers is I add $1750 dealer contribution in addition to the $2000 build out cash. Another website mentioned the $1750. Is it reasonable to assume that I can still negotiate several thousand off the MSRP in addition to receiving $3750 in incentives? THx

    May 30
    • Kirstie_H
      I'm not a lease specialist by any means, but I do know the guys who are - you can find them in our X3 Lease Questions discussion here:

      If you post your question there, michaell or kyfdx should be able to help you out.
  • rravin

    Hi Kirstie, Can you please tell me what the current RV, MF is on the BMW 2014 535i for 36mo and 15k/yr is. Also what the MSD reduction is for each SD. (I believe you can do a max of 7MSD's) Thanks for your help, Ross

    May 30
    • Kirstie_H
      Hi rravin - I'm not a lease specialist by any means, but I do know the guys who are - you can find them in our 5-Series Lease Questions discussion here:
      If you post this question there, you'll likely get an answer in short order.
  • uplanderguy

    Kirste, care to give a specific about my warning? Sheesh.

    May 15
  • akalizzy

    i am looking to lease a 2014 a5 convertible premium model. What is current money factor and residual value %

    April 24
    • Kirstie_H
      Hi akalizzy - the best place to get info is in our A5 Lease Questions discussion. You can find that here: If you ask there, you'll most likely get feedback today.
  • Patv

    I am planning to lease a Honda Odyssey 2014 Touring. The offer that the dealer offer me

    Down - $1500 Monthly payment for 35 months - 439 +tax Miles -12K per year

    Please let me know if its a good deal

    April 22
    • Kirstie_H
      Hi Patv - I see you found our Odyssey Lease Questions discussion. That's the best place to get feedback on your deal. I suspect someone will be along shortly with a response.
  • driver100

    Hi Kristie, I Finally mastered how to add a picture to my post and all of a sudden the format changes. The format thing above....the one on the right, that used to be easy to use has changed. Seems you may have to download pictures to your computer and then put them on.....way too much trouble IMO.

    Is there an easy way to do it using the image location still?

    April 5
    • Kirstie_H
      That's been fixed now. When you click on the little icon that looks like a piece of paper, you'll see the option to drag and drop a file, or upload from your computer. Right under that, there's a shaded pink box that says "Image URL". That's where you can type (or paste) the image location on the web. (
      If you can't see that box, clear your browser's cache and then reload the page. That did the trick for me. If you need help with clearing the cache, let me know what browser you use and I'll try to help.
  • Kirstie_H earned the 5 LOLs badge.
    You received 5 LOLs. We like that.
    March 27
  • bobd21

    Hi Kristie,

    I am negotiating on a 2014 A8L 3.0 TFSI, MSRP is $86,300. Sale price is $76,500. Plus BMW $3K conquest. Looking at a 3yr, 12k/mile lease with $3K down.

    Can you please confirm the MF and residual, also what is the sweet spot? Should I get 10K/yr or 15/yr instead? What is the best deal from a MF and residual perspective?

    Looks like I get an additional $1K rebate along with the $3K conquest money.

    For the 12k/yr, they are quoting .00110 and a residual of 50%. The money factor seems very high compared with the ones I see in your responses for this vehicle. Please advise. Thank again in advance!

    Thanks for your help! Trying to close the deal today or tomorrow.

    March 13
    • Kirstie_H
      Hi Bob, and glad you've joined our forums! I see you found our A8 Lease Questions discussion and posted there. Our resident leasing expert will see your question, probably as early as this evening. He's the one you want advice from, not me! I help manage the forums, so that's why you saw my name at the top of the discussion. If you don't get feedback later today, write back to me and I'll make sure he sees your question. He's pretty attentive.
    • bobd21
      Thank you Kristie, he did answer my question and I am all set. I appreciate the help.
  • Kirstie_H earned the 5 Awesomes badge.
    You received 5 Awesomes. We like that.
    February 19
  • test

    February 12
  • rem00

    I am buying a premium Q5 with an MSRP of $47945. minimum money down, excellent credit, 12k miles. I got a $661/ mo lease price offer. Is that high or low.

    February 5
    • Kirstie_H
      Hi rem00 - please post in our 2014 Q5 Lease Questions discussion - you can find that here::
  • audifan123

    Hi. I have seen a few of your helpful posts in regards to these types of inquires. Looking for some assistance :) I was just at my dealer in New York today and got numbers on an 2014 A4 P+ ,12k a year/36 month lease. Looking to trade in my 2007 Audi A4 Quattro with 79,500k Appraised at $9,000.00 debt still owed on car $1,900.00. Was wondering if this is a good deal or not and if there's room to negotiate. See below a break down. Trade in: 2007 Audi A4 Prem. Package Milage:79,500k Purchased as Certified Pre Owned at the same dealer Also leased another A4 from this dealer. Appraised Trade Value: $9,000.00 Audi 2014 P+ 12k a year / 36 month lease MSRP:$44,680.00 L.E.V %: 54.00% Lease End Value: $24,127.20 Initial Cap Cost: $42,533.00 Trade In:$9,000.00 Loyalty: $1,500.00 Adjusted Cap Cost: $34,942.59 Sales Tax: $1,198.91 Money Factor: 0.00039 Amount Due at signing: $1,305.29 ( Came to 360 a month with no money out of pocket) Monthly Payment with down payment: $323.47

    February 2
  • imidazol97


    Richard64, now Sterlingdog, tried to recover his password on the new site. But that's not working.

    He asked me to email you to send him his password or help him recover it. He wasn't used to using it before because he always clicked on the email notices of new posts to log on. He has tried the two passwords he thought it had to be and neither works.

    Thanks and Happy New Year,


    January 3
    • Kirstie_H
      Thanks for the heads-up, Keith! I'll connect with him today by email and get him a new password. Happy New Year to you & your family as well.
  • b25nut


    This is the article that Craig did for Bloomberg: Thanks for the changes on the web site!

    January 2
    • Kirstie_H
      That's great! Thanks for helping out - nice quotes from you.
  • Kirstie_H and Karen_CM earned the 5 Insightfuls badge.
    You received 5 Insightfuls. We like that.
    December 2013
  • houdini1

    My first post on the new format. This thing looks great. Congratulations.

    December 2013
    • Kirstie_H
      Thanks, houdini1! Glad to see you made it over here, even though the random icon assigned to you looks like it's got a zipper for a mouth. Hope that doesn't mean you'll be silent - ha!