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Comments
I have yet to determine how I'm gonna get there. I may have an ex-girlfriend (current friend) who is from Lafayette take me. Or it might be best just to pay the $145 and fly. It would be great if we can hook up and arrive together. That way one might not be stranded should a car overheat as I continue to read about.
Let me know your plans. Hopefully we can take delivery by the end of next week.
Tom
I was recently laid off when my company failed ( bye bye, big wad 'o options ), and because i had significant cash and not much debt, i was(am) able to be picky about my next job--which is good in the long run.
Another thing to remember is that getting a return of 10% is only just as good as saving 7.5% because of cap gains taxes.
I used to beleive in mutual funds, but now, with cheap online trades, and for tax reasons, i pick a few good stocks every month to plow money into for the long term. Dividends get reinvested, of course.
Back on topic, if my wife's car self-destructed, i'd get her an AWD car because of her skiing. But i like to drive cars for a long time. Would anyone mechanically inclined care to comment on the potential longevity of the BMW AWD system? Would a 325xi be a good bet for a 7-10 year ownership? I see in roundel that a 325xi wagon can be had via euro delivery for 28,995. I think that makes it very price competitive with the audi, and i, of course, prefer the driving experience of the bimmer.
dave
I am a technical lead for a PeopleSoft implementation partner and do not have any professional investment experience whatsoever. Everything I know about investments has been DIY. Yep, last year was brutal for mutual funds. A lot of them were under pressure to buy momentum stocks because of fund underperformance worries. What happened is they realized a lot of short-term trading gains and huge long-term trading losses. So at the end of the year, a lot of tech-heavy mutual funds were halved in value but investors still had to pay capital gains because the funds were too focused on short-term momentum stocks. See, I don't have a crystal ball and I may well be wrong about my predictions. They are only predictions and they may change if conditions warrant that. But keep in mind that the stock market is typically about 6-12 months ahead of the economy. If you wait for stocks to start showing a healthy profit before you buy them, that will be much too late. The key thing is perception and that's toughest to gauge. It's not whether cisco will turn a profit and how much. Rather, is it better or worse than the broader investment community expectations, that's the key thing. Right now, we are seeing a lot of momentum because of Fed easing but the interest rates alone will not help us long-term because we have structural problems that will take years to resolve. So yes, I think it's OK to buy tech for 4-5 months but I would not be holding it next year. Good luck.
A million dollars (just an example, right) in a 401K does a body good :0) 401K loans have been around for a while. You do pay interest on the loan but you pay it to yourself and it's like moving money from one pocket to the other. The only disadvantage of these loans is that the interest you pay to yourself is after-tax. Bottom line is, 401K plans are more liquid than you think. I always find it amusing how little people know about stuff that determines a lot of their future. I've seen benefits business consultants who can take apart any benefits-related issue but they have no idea after all these years that you don't have to invest your 401k money in mutual funds; some of them can't believe they didn't know you could keep your 401k funds in a money market w/o taking a withdrawal )
Brave1heart, let's agree to disagree, OK? I too have had this conversation many times. I personally would rather match the market every time than lose to it once. I know I'm young (36), I've been investing for over ten years and have a pretty hefty portfolio, including my 401K and personal investments. I've got my plan and I'm sticking to it. Based on historical rates of return (always tricky, but what else have you got?) the stock market should return 10-12% over a 20 year period and at this rate and with my current assets, I expect to retire moderately wealthy. You might be able to tweak a bit more through careful asset allocation. However, my own view is that anyone who expects a higher rate of return, over the long term (i.e. 20+ years), is unrealistic. Based on 10-12%, anyone who starts investing early and doesn't stop will be wealthy when they retire.
I realize that in any given year, there are individuals and fund managers who can beat the market. Show me one who can average a higher rate of return over a 20 year period than the S&P 500. That person is rare indeed, and may not even exist. There have been numerous studies that have shown that over the long term, market timers will have a lower rate of return that the buy and hold crowd, and no, I don't follow Peter Lynch.
Regarding mutual funds, Vanguard Index funds are all no load, no redemption fee, and have very low management fees. That's because they only buy and sell when stocks fall off or join the tracking index. They don't run around and try to figure out what's the latest and greatest, so their fees are typically lower than other funds - about .5% per year. Also, since there is less buying and selling, your tax liability on realized capital gains is lower. Of course, anyone can get a diversified portfolio by buying 20 - 30 individual stocks, and blowing off mutual funds. However, you can't beat mutual funds for convenience. I do agree that I would never buy a mutual fund that had a load or redemption fee.
BOT - salivating reading about your cruising w/e, can't wait to be able to report my driving escapades, hopefully starting next week!
VIN - there is an FAQ, I believe that it's on www.e46fanatics.com, that deciphers the VIN and explains what each position indicates.
What's WOT - wasting our time, I'm guessing. I really don't know, just a guess.
Now let's get back to talking about cars, OK?
Now let's get back to talking about cars, OK?
No offense taken and none intended.
danhug - I was wondering, since yuo are going to keep the car for a long time, did you purchase the 7 year/100K extended warranty? I bought my extended warranty from my insurance company and it cost me an additional 70 dollars a year on my insurance policy. I thought that was a pretty decent deal.
Alpine325i - could you pls let me know where you bought your kleen wheels from? I am having a tough time locating a set for my Star spoke 43 rims. thanks
Has anyone gotten chrome tips for their exhaust? I saw one on a dark blue 325xi and I think they look great.
One last note - I have been lurking at some other e46 boards and this one is the best, hands down. The members on some of the other boards are rude and even abusive and that is kinda sad from an E46 driver whom you assume to be more mature.
This is the Motorweek review I have been yammering about. It just went up on their site today.
Of particular note, I am extremely pleased with the 0-60 time they clocked (6.2 seconds!) and the 1/4 mile results (14.7 seconds at 96 MPH!). I am also very pleased with their review of the handling capabilities.
I guess I can add this to a long list of reviews making me more and more comfortable with my purchase decision. I'd hate to get buyer's remorse before I even take delivery!
As an aside, I would be interested in any links to any good reviews of the 3 Series, especially the 330xi. I am particularly interested in any technical discussions concerning performance (torque and HP output) and the steering issues that we have all heard about.
"In fact, the added grip allowed us to shave a few tenths of a second off our 0 to 60 pace, as the 330xi hit 60 in just 6.2 seconds versus 6.8 seconds in the 330i." Am I the only one laughing here? BMW conservatively rated the 330i at 6.4 secs and the 330xi at 6.9 or 7.0, I forgot. Let's just say that there is half a sec difference. These guys also came up with half a second, only in the reverse direction. Wondering if they drove the 330i in reverse to achieve this time or maybe they couldn't figure out how to get it past first gear.
At any rate - you should not have second thoughts - the 330xi is a great choice for an enthusiastic driver who wants AWD. Just don't believe everything you read. The 330i will still be a little faster and will also brake better because it is lighter but for a lot of people, the security of AWD more than justifies the small disadvantage of the AWD's added weight at the drag strip and braking distance.
BTW, has anyone seen the guru?
FYI, you were correct, BMW has the 330xi listed as doing 0-60 in 6.9 and the 330i in 6.4.
The motorweek guys are usually pretty careful in their reviews. I don't know why their 0 - 60 time is so quick compared to the "official" stats. FWIW, they put it down to the the extra grip off the line afforded by the AWD system. I also agree that Denright made an excellent choice. I understand the concept of buyer's remorse before taking delivery. I had a bit of a panic recently for not ordering SP, but I got over it.
BTW, what's the 0 - 60 time for the 325i? Is it around 6.9? Brave and alp, others, are you happy with the acceleration from the 325i? Considering I'll be upgrading from a '94 Dodge Shadow with a 2.0 liter 4 banger, I'm sure I'm going to be more than happy with it. BTW, lest you think poorly of me, that Shadow was inherited from my wife who bought it before I met her. She drives our '91 Camry now ;-)
I have a question for all of you. Can anyone explain if the car accelerates the fastest in absolute terms at the max torque point or at the max HP point? I kept thinking it was the torque point but that must depend on the speed of the car, no? Also, is low-end torque better for, say, 0 - 100 mph acceleration or a higher max torque level would be more beneficial? As always, just hypothetically, other things equal.
Best Regards,
Shipo
I really hate to waste my first post on a topic that has probably been beaten to death on this board. However, I'm kind of going nuts reading posts about how everyone is having such a great time with their new toys. I want my toy!!!
Here's the question, typically how long do cars manufactured in Germany have to wait before they are loaded onto a ship bound for the states? According to the Owner's Circle, my 325i (Orient Blue, Black Leather, PP, CWP, Step., CD) has been "Produced not Shipped" since May 11. BMWNA and my dealer gave me the same info late last week. Is this normal and I'm just getting impatient? I hope to have something meaningful to add to the discussion soon.
Thanks
Make sense?
Best Regards,
Shipo
P.S. i know about 401K loans, but i agree we should let this drop.
dave
has an interesting explanation on this - follow the link to "Horsepower vs. Torque explained". However, the article is too technical for those like me who are mechanically challenged and I can barely make sense out of the summary even: "Repeat after me: It is better to make torque at high rpm than at low rpm, because you can take advantage of *gearing*." Help, please.
Best Regards,
Shipo
that comes up. There's a first-person article on the steering "fix" , a good overview of the BMW engine, and others.
BTW, denright will not be interested in the steering fix - his car should have the original heavy steering.
How did you figure on a 20% increase in footprint? I am intrigued.
Is there any way to track a car without knowing the production #? My salesman is refusing to give me the production #! Is there any way I can force him to give it to me, or can I call BMW NA, or can you suggest another course of action?
It's a week 25, steel gray metallic 325xi, SP, PP, Xenons, business CD, black leather. Ordered at BMW of North Haven in New Haven, CT. My last name is Cerio (but they may have misspelled it "Ciero" on the order - at least that's the way it looks based on the report I have which the salesman crossed out the production #).
Thanks for your help / advice in advance.
- MCC
You can call BMWNA and they can give you the name of the ship once it is loaded. Then you can go to the ship's website "www.wlna.com" and track the schedule of the ship. The departure will be Breverhaven, the arrival will be Charleston, SC.
Couple of potential factors delaying departure from Europe: I know the car sits awhile at Breverhaven while they do some final preparations, and they may be waiting for the next ship to arrive.
Hope any/all this helps.
-Getz
What kind of lease deals have you guys seen recently? Specifically, residuals/money factors for 36/15K lease on 325xi/330xi? I know there were lease specials on 330's back in April, but havn't been keeping up with the board as well lately (just got married!)
Thanks for any help in advance
Ryan
Best Regards,
Shipo
Brave, I hope I'll be satisfied with the 325's power. I'm getting a 5-speed so that should improve my chances. I've read up on Dinan's CAI and Stage 2 chip, and will probably do the upgrade too eventually. I'll wait and see how things go before deciding. Are you getting their muffler too? I wonder if that does anything other than sound cool.
aaa330, I think I will have the same problem as soon as my wife drives the bimmer. I think she'll probably ask for one too!
Here's something I've been wondering. What do you more mechanically minded guys think about downshifting/engine braking vs. using the brakes? I've heard that since a clutch is a mechanical device, the more it's used the sooner it wears out. I think I heard the guys on Car Talk on NPR say that your clutch will last longer if you use engine braking in the gear you're in when you start to slow down, but that you should avoid downshifting. I currently downshift all the time, and have had no problems with my clutch in the Dodge at 82K. Any thoughts?
bavarian - glad to see you enjoyed my post. Yes, there are cons to ED (payment 30 days in advance, extra waiting time for car), but they are FAR outweighed by the pros. Just do it!
I've decided just to wait for my car to hit Texas rather than pick it up earlier in Maryland. I was contemplating combining a MD pick-up with the two-day driving class at the BMW Performance Center in South Carolina, but there are no open seats until October. :-(
Maybe later in the year or next year...
Concerning the 0-60 time in MT of the 330xi, I thought I read somewhere that they recently declared that the 5.8 second split was indeed an error - off by a second - actual being 6.8 seconds. This makes more sense and is in-line with official BMW specs.