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Comments

  • ab348ab348 Dartmouth, Nova Scotia, CanadaPosts: 10,651
    I think Driver feels bad karma with the Audi and wants it gone ASAP. I can understand that. I did a similar thing with my '09 Buick Lacrosse (called the Allure in Canada) which had a bad transmission that 2 dealers could never get right. I dumped it after 2 years when I saw a car I liked, the 2011 Regal Turbo, without a second thought and no regrets.

    2017 Cadillac ATS Performance Premium 3.6, 1968 Oldsmobile Cutlass S Holiday Coupe

  • abacomikeabacomike South FloridaPosts: 10,409
    Driver, you are the one buying the car and you are the one who knows best if you got a good deal.  I hope it works out for you and especially the wife.

    Yes, they deal down here in the U.S. and it is obvious the deals in Canada are not as lucrative.

    Just enjoy it.

    2018 Mercedes S450

  • abacomikeabacomike South FloridaPosts: 10,409
    edited April 2015
    ab348 said:
    I think Driver feels bad karma with the Audi and wants it gone ASAP. I can understand that. I did a similar thing with my '09 Buick Lacrosse (called the Allure in Canada) which had a bad transmission that 2 dealers could never get right. I dumped it after 2 years when I saw a car I liked, the 2011 Regal Turbo, without a second thought and no regrets.
    I agree.  I had the same thing with that Lexus GS 350.  I couldn't wait to get out of that awful car and away from all the aggravation I had with the dealer and Lexus consumer affairs.  Sometimes you do what you have to do and that is driver's right and prerogative.

    Pricing and models are very different in Canada.  It's not a fair comparison - certainly not like comparing apples with apples but more like comparing apples with oranges.

    2018 Mercedes S450

  • MichaellMichaell ColoradoPosts: 117,601
    Driver, congrats on the new MB ... as others have noted, I think the clutch issue with the Audi soured you on the brand and when the opportunity came along to trade out of it at a value much higher than you expected, you jumped on the deal.

    On another note, for those BMW and Audi experts, I've got a guy looking at a used 328i vs a used A4 and wants some feedback:

    http://forums.edmunds.com/discussion/33720/audi/x/used-bmw-or-audi#latest

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • driver100driver100 Burlington, ON 7 mo/Tampa FL 5 moPosts: 24,634
    ab348 said:

    I think Driver feels bad karma with the Audi and wants it gone ASAP. I can understand that. I did a similar thing with my '09 Buick Lacrosse (called the Allure in Canada) which had a bad transmission that 2 dealers could never get right. I dumped it after 2 years when I saw a car I liked, the 2011 Regal Turbo, without a second thought and no regrets.

    Right on ab! The logical thing would be to keep the Audi until October 2016, when the Warranty expires.

    But, it will be worth $5000 less by then, maybe even $6k. A new car will probably cost more at that time.

    I think it will cost less to trade now, get the car my wife wants to drive and she likes it...while it is available, and the GLK is a strong car that could last 8 or 10 years if it has to. I wouldn't trust the Audi once the warranty runs out.

    But, the biggest factor is I don't trust the Audi any more, and my wife is totally insulted that she was blamed for their defective clutch.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • abacomikeabacomike South FloridaPosts: 10,409
    Driver, your wife is so sweet and charming (from my experience speaking with her on the phone) that there is no way anyone should/could accuse her of abusing anything, let alone a clutch in a car!

    2018 Mercedes S450

  • driver100driver100 Burlington, ON 7 mo/Tampa FL 5 moPosts: 24,634
    edited April 2015
    abacomike said:


    ab348 said:

    I think Driver feels bad karma with the Audi and wants it gone ASAP. I can understand that. I did a similar thing with my '09 Buick Lacrosse (called the Allure in Canada) which had a bad transmission that 2 dealers could never get right. I dumped it after 2 years when I saw a car I liked, the 2011 Regal Turbo, without a second thought and no regrets.

    I agree.  I had the same thing with that Lexus GS 350.  I couldn't wait to get out of that awful car and away from all the aggravation I had with the dealer and Lexus consumer affairs.  Sometimes you do what you have to do and that is driver's right and prerogative.

    Pricing and models are very different in Canada.  It's not a fair comparison - certainly not like comparing apples with apples but more like comparing apples with oranges.
    I remember, you were excited when you got the Lexus but the honeymoon was over quickly. Life is too short unless it just can't work out financially. I still love driving the Audi, and if it was just me I would just ride it out....at least until the warranty expired. But, it won't cost too much more to drive a new GLK, especially if we keep it for about 6 years...may even be less. I think this is a car that will hold up for a long time.

    My wife has also been upset that the Audi has 260 hp and her 335 had 300 hp. She likes the horses for getting into traffic. She'll have 330 horses now, and the GLK can really move out.

    We had lots of problems with our 95 Volvo all under warranty. But, it still took time and frustration to try to get it fixed all the time. We like Volvo's, but it would be hard for us to buy another one.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • driver100driver100 Burlington, ON 7 mo/Tampa FL 5 moPosts: 24,634
    Michaell said:

    Driver, congrats on the new MB ... as others have noted, I think the clutch issue with the Audi soured you on the brand and when the opportunity came along to trade out of it at a value much higher than you expected, you jumped on the deal.

    On another note, for those BMW and Audi experts, I've got a guy looking at a used 328i vs a used A4 and wants some feedback:

    http://forums.edmunds.com/discussion/33720/audi/x/used-bmw-or-audi#latest

    Exactly! No confidence in the Audi, but the numbers surprised me when I really analyzed it. We are getting a much better car but I think we will pay more if we wait another year to trade.

    Plus, I am so relieved my wife found a car she really likes. I can't think of any other car that would have worked.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • abacomikeabacomike South FloridaPosts: 10,409
    Driver, those GLK's are very popular down here, but they do not offer a 330 hp version in the U.S.   I drove the 302 hp version and found it quiet, powerful and smooth riding.  I like riding higher up and the visibility is excellent.

    As long as the one you are getting has the blind spot monitor, you can't go wrong.

    2018 Mercedes S450

  • 28firefighter28firefighter Seattle, WAPosts: 5,343
    Beautiful car, Mike! Love the color. 

    Congrats, Driver, on the new ride!
    2019 Subaru Outback 3.6R Limited, 2016 BMW X1 xDrive28i, 2002 Saab 9-3 Viggen
  • abacomikeabacomike South FloridaPosts: 10,409
    Beautiful car, Mike! Love the color. 

    Congrats, Driver, on the new ride!
    Thanks FF!

    2018 Mercedes S450

  • steverstever Posts: 52,462
    Congrats! Happy wife...life is short... it's only money...yada yada. :)
  • 28firefighter28firefighter Seattle, WAPosts: 5,343
    I could use some guidance from you experienced homeowners.

    My wife and I bought our home last year putting 20% down and financed at 4.5 percent for 30 years. We only did that because the 7/1 ARM was at 4.2 percent at that time - we are not intending for this to be our forever home. 

    I have been watching rates lately and interest rates on a 30 year fixed rate is now around 3.5% and a 7/1 ARM is now down around 2.8%.

    What I'm wondering is if it makes sense to refinance after just a year?  The monthly savings would not be insignificant - on the order of $500 a month.  However, it's a hassle and we don't need to do it. 

    Thoughts?
    2019 Subaru Outback 3.6R Limited, 2016 BMW X1 xDrive28i, 2002 Saab 9-3 Viggen
  • abacomikeabacomike South FloridaPosts: 10,409
    I could use some guidance from you experienced homeowners.

    My wife and I bought our home last year putting 20% down and financed at 4.5 percent for 30 years. We only did that because the 7/1 ARM was at 4.2 percent at that time - we are not intending for this to be our forever home. 

    I have been watching rates lately and interest rates on a 30 year fixed rate is now around 3.5% and a 7/1 ARM is now down around 2.8%.

    What I'm wondering is if it makes sense to refinance after just a year?  The monthly savings would not be insignificant - on the order of $500 a month.  However, it's a hassle and we don't need to do it. 

    Thoughts?
    It all depends on how long you plan to remain in your current home.  An ARM is not the best alternative with rates expected to rise in the next 10-12 months.  A 3.5% 30 year fixed would be great if you remain in the house for another 4-5 years.  I predict mortgage rates will rise at least a full percent in the next 10-12 months and will continue to rise over the next 2-3 years at least.

    Either way, you save money - but you have to decide on the risk with an ARM.

    2018 Mercedes S450

  • henrynhenryn Houston, TXPosts: 2,575
    edited April 2015
    abacomike said:




    I could use some guidance from you experienced homeowners.

    My wife and I bought our home last year putting 20% down and financed at 4.5 percent for 30 years. We only did that because the 7/1 ARM was at 4.2 percent at that time - we are not intending for this to be our forever home. 

    I have been watching rates lately and interest rates on a 30 year fixed rate is now around 3.5% and a 7/1 ARM is now down around 2.8%.

    What I'm wondering is if it makes sense to refinance after just a year?  The monthly savings would not be insignificant - on the order of $500 a month.  However, it's a hassle and we don't need to do it. 

    Thoughts?


    It all depends on how long you plan to remain in your current home.  An ARM is not the best alternative with rates expected to rise in the next 10-12 months.  A 3.5% 30 year fixed would be great if you remain in the house for another 4-5 years.  I predict mortgage rates will rise at least a full percent in the next 10-12 months and will continue to rise over the next 2-3 years at least.

    Either way, you save money - but you have to decide on the risk with an ARM.


    I am not an economist, but I do pay some attention to that area. And I think abacomike is most likely correct in his prediction that mortgage rates will be rising. I recently saw 15 year fixed rates at a little under 3%, I think that would be the direction that I would lean.


    On Edit: There are definitely bugs in this software. I just made 4 attempts at editing this post before I got the last

    / blockquote

    in the right place.
    2018 Ford F150 XLT Crew Cab, 2016 Chrysler Town & Country Touring
  • henrynhenryn Houston, TXPosts: 2,575

    ab348 said:

    I need the group to cheer me up. Just did my income taxes. Govts of Canada and Nova Scotia get a total of nearly $56,000 from me, by far the most I ever paid and likely the most I will ever pay in the future. I know that tells me I had a very good year but still and all it stinks.

    Sorry, I would love to make enough to have a $56k tax bill. Just think of all the poor folks whose lifestyle you are improving with your high taxes......

    ......nah, doesn't help me either. :'(

    I paid around 22k last year in taxes. I guesstimate my ex-wife paid around 33k, so if we were still together that would be ... too d____ much!

    2018 Ford F150 XLT Crew Cab, 2016 Chrysler Town & Country Touring
  • roadburnerroadburner Posts: 12,191

    I could use some guidance from you experienced homeowners.

    My wife and I bought our home last year putting 20% down and financed at 4.5 percent for 30 years. We only did that because the 7/1 ARM was at 4.2 percent at that time - we are not intending for this to be our forever home. 

    I have been watching rates lately and interest rates on a 30 year fixed rate is now around 3.5% and a 7/1 ARM is now down around 2.8%.

    What I'm wondering is if it makes sense to refinance after just a year?  The monthly savings would not be insignificant - on the order of $500 a month.  However, it's a hassle and we don't need to do it. 

    Thoughts?

    I agree with Mike, if you are going to live in the house a while go with the fixed rate. What are the closing costs? Divide the closing costs by $500 and that will tell you how long you have to stay to break even. For example,if the closing costs are $6000 you will be ahead of the game after one year. In the current market I'd want to get out of an ARM anyway.

    Mine: 1995 318ti Club Sport; 2014 M235i; 2009 Cooper Clubman; 1999 Wrangler; 1996 Speed Triple Challenge Cup Replica Wife's: 2015 X1 xDrive28i Son's: 2009 328i

  • fezofezo Manahawkin, NJPosts: 10,376
    Well, not getting into what's been appending in here but my wife and I went up to Red Bank, NJ (a seriously nice town) to see John Mellencamp. Great show in ways I wasn't expecting. He knows what people want to hear and does that but lots if interaction within the band.

    Add to that just down the street from the theater is a wonderful Italian restaurant that serves huge portions and will refrigerate you doggy bag until after the show, so I have a nice piece of veal tomorrow.

    Washed the Prius today. Maybe tomorrow I'll wax it. Depends on the time I can put in. Harvey's pitching.

    Driver, I'd have paid $18,000 for the Audi....
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • 28firefighter28firefighter Seattle, WAPosts: 5,343
    So I don't think we could swing the monthly nut for a 15 year mortgage refi. We don't anticipate being in this house for the long haul since it isn't big enough for kids (which we want in the future). 

    I really appreciate the feedback. I definitely need to run the numbers again for a fixed rate refi and go from there.

    Thanks everyone!
    2019 Subaru Outback 3.6R Limited, 2016 BMW X1 xDrive28i, 2002 Saab 9-3 Viggen
  • explorerx4explorerx4 Central CTPosts: 13,729
    When we bought our first house, the best fixed rate we could get on a 15 year mortgage was14%. Next year we refinanced @11.25. The next year @9 5/8ths, and the year after that 7%!
    2017 Ford Fusion SE 2017 Ford F-150 Limited
  • driver100driver100 Burlington, ON 7 mo/Tampa FL 5 moPosts: 24,634
    stever said:

    Congrats! Happy wife...life is short... it's only money...yada yada. :)

    Well said, and thanks to all for good wishes.


    .life is short... it's only money...yada yada. AND, I can only add, if I don't spend it the SIL will!

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • driver100driver100 Burlington, ON 7 mo/Tampa FL 5 moPosts: 24,634
    fezo said:

    Well, not getting into what's been appending in here but my wife and I went up to Red Bank, NJ (a seriously nice town) to see John Mellencamp.

    Driver, I'd have paid $18,000 for the Audi....

    Sounds like a great concert....I still like Frankie Valli concerts though.

    About the $18k for the A4.........thanks for the offer, .and I would give Mike $30k for his E400.

    You have a really good imagination.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • tommister2tommister2 Mechanicsville, VAPosts: 330
    @28firefighter look for a mortgage place that has zero closing costs. We have a few in my area that I have used. Usually the rates are slightly higher but if you won't be there forever you can save money.
    2011 Toyota Camry, 2014 Jeep Wrangler, 2015 Subaru Forester, 2017 Honda Civic Coupe
  • driver100driver100 Burlington, ON 7 mo/Tampa FL 5 moPosts: 24,634

    @28firefighter look for a mortgage place that has zero closing costs. We have a few in my area that I have used. Usually the rates are slightly higher but if you won't be there forever you can save money.

    tommister2 "Mechanicsville, VA" Is that a good town to get my car fixed? How did they come up with that name?

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • Beautiful MB, Mike. It was fun to see the Flordia condo complex you've told us so much about, too.

    My GTI dream may be delayed a bit. Friday I met with a new orthopedic surgeon and we reviewed some images of my left knee. The lateral compartment, in his words, is "toast." It's totally collapsed and I have no seperation in the joint, so an artificial implant is my only hope to reduce pain and minimize further degradation of the bone. The good news, and shocking news as well, is my ACL appears to be in good shape despite all the injuries over the years.

    Recovery is expected to include one day in the hospital, two to six weeks out of my work place, three months of swelling and discomfort, one year until complete results are known. After chatting about the situation with my wife we've decided to target early fall for the procedure and enjoy our summer, but I'll need to be gentle on the joint until then. Not knowing how successful the procedure will be I'm thinking a manual transmission may be a risky move right now. An auto GTI is an obvious option, but that half defeats the purpose of getting the GTI :)
    Tesla Model 3, 2015 Subaru Outback
  • graphicguygraphicguy Edmunds Poster EmeritusPosts: 11,497
    What's scary....I just found out my new company has an agreement with Mercedes to buy at substantial discounts off their vehicles AFTER you negotiate with the dealer.

    Not in the market, but good to know for the future.
    2018 Acura TLX 3.5 SH AWD A-SPEC
  • fezofezo Manahawkin, NJPosts: 10,376
    See what kind of deals they'll offer. I ma let you keep my half of the Miata...
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • graphicguygraphicguy Edmunds Poster EmeritusPosts: 11,497
    fezo said:

    See what kind of deals they'll offer. I ma let you keep my half of the Miata...

    fezo....you're generosity overwhelms me...:)

    I didn't look too closely, but the cursory look was for an E Class. Invoice minus some sort of dealer incentive minus $3,500 for my employee discount. Doesn't sound too shabby.

    Not in the market for an E Class (nor any car for that matter). Might be tempted in a couple of years on some sort of AMG model, though.
    2018 Acura TLX 3.5 SH AWD A-SPEC
  • abacomikeabacomike South FloridaPosts: 10,409
    edited April 2015
    driver100 said:
    Well, not getting into what's been appending in here but my wife and I went up to Red Bank, NJ (a seriously nice town) to see John Mellencamp. Driver, I'd have paid $18,000 for the Audi....
    Sounds like a great concert....I still like Frankie Valli concerts though. About the $18k for the A4.........thanks for the offer, .and I would give Mike $30k for his E400. You have a really good imagination.
    Driver, your offer of $30,000 for my E400 ($72,000+ MSRP) is most generous and much appreciated!  When do the psychiatrists plan on releasing you from the loony bin?  Not soon, I hope!!! :angry: :worried: 

    2018 Mercedes S450

  • abacomikeabacomike South FloridaPosts: 10,409
    edited April 2015
    We just got home from our regular pit stop at the Sunday Brunch at NYY Steak House.  We always have a great time Sunday mornings there.  We only eat one meal on Sunday's because they offer so much and we always "accept", if you know what I mean.

    Today they had fresh Alaskan King Crab Legs, Jumbo Cocktail Shrimp, fresh Oysters, smoked salmon with cream cheese and bagels, lobster bisque, carved beef tenderloin, sautéed deep sea scallops, eggs Benedict over bacon and cream sauce, omelets made to order, fresh rhaspberries, blueberries, strawberries, blackberries, unlimited champagne and mimosas, pancakes, waffles, ice cream and gelato, and a dessert array that would cause apoplexy.  And always all you can eat.  They charge $75.00 per person, but we get comped every Sunday.

    We usually go there on Tuesdays for their steaks for dinner.  I look at it this way - I need to get my Dad out of the house several evenings a week and I detest cooking.  So it it well worth the trip over there a few times a week.

    Dad seems to eat well when I take him out for brunch or dinner - I wonder if it has anything to do with my cooking?  Nah, couldn't be! :worried: 

    2018 Mercedes S450

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