RE: BMW M4 CS | Spotted
Discussion
Court_S said:
Julian Thompson said:
You doth protest too much, methinks.
So it’s your way or no way then?People on here are very intolerant of what others want to do.
Rather, the intolerance seems to come from the other direction, where those who express surprise at choices or attempt to point out alternatives are castigated for becoming involved in the discussion...
Julian Thompson said:
Not at all. Please reread my post, and observe my language, pointing out intolerance.
Rather, the intolerance seems to come from the other direction, where those who express surprise at choices or attempt to point out alternatives are castigated for becoming involved in the discussion...
A reasoned response was given and he was told he protests too much...sounds a wee bit dismissive of someone with a different attitude to you. Rather, the intolerance seems to come from the other direction, where those who express surprise at choices or attempt to point out alternatives are castigated for becoming involved in the discussion...
Julian Thompson said:
TyrannosauRoss Lex said:
Julian Thompson said:
Just my 2p’s worth - I still find it amazing that you guys acquire these expensive cars to use every day, enduring the depreciation/costs in whatever way you choose to take them and then, after a year or two rinse and repeat the whole thing. It doesn’t matter if you’re pcp-ing, leas-ing, hp-ing or old money-ing, the bulk of the costs are in the first few years of value drop.
I like to buy a car and cherish it - using it for entertainment and enjoyment only. If I’m going somewhere for work or to stick my vehicle in an airport car park or to muddy football practice I couldn’t think of any greater waste than going in a beautiful car. Used sparingly like this cars accrue mileage and wear very slowly, stay looking perfect and offer a genuine “new car excitement” every time you treat yourself to a drive.
I suppose it’s the automotive version of “if there is always biscuits in the tin where’s the fun in biscuits?”
We all like different things. Some people want to drive their nice car to and from work, to the shops etc and enjoy every minute of driving in it. They don't want to have a nice car at home whilst they come home from a hard day at work in a shed. For some, as amazing as this may sound, they're happy to pay the premium for that privilege. I like to buy a car and cherish it - using it for entertainment and enjoyment only. If I’m going somewhere for work or to stick my vehicle in an airport car park or to muddy football practice I couldn’t think of any greater waste than going in a beautiful car. Used sparingly like this cars accrue mileage and wear very slowly, stay looking perfect and offer a genuine “new car excitement” every time you treat yourself to a drive.
I suppose it’s the automotive version of “if there is always biscuits in the tin where’s the fun in biscuits?”
If you ignore the fact it's a car. Let's take mobile phones for example. Some people spend £70/month on a contract for the best phone available, and others scoff at how they couldn't dream of wasting that much money on things just to make phone calls. Those with the nicer phones want a nice phone, and they pay their monthly fee for it. Or is that a problem too?
This website is getting so full with those with a bee in their bonnet because people drive around in cars they don't think they should. It's crazy.
TX.
TyrannosauRoss Lex said:
Julian Thompson said:
You doth protest too much, methinks.
I'm sorry, what? Do you know what the word protest means? I'm pretty sure my reply to you wasn't a protest. Good to see you're so very dismissive of reasoned counter-arguments 
But, let me be clear, I’m not one of “those guys” that does four pages of arguments on the internet to try and escape the inescapable fact that - guess what - they were wrong!
So - for my response, I apologise. I was wrong and I’m sorry.
Now, with my cap in hand can we continue the discussion please?
Julian Thompson said:
Just my 2p’s worth - I still find it amazing that you guys acquire these expensive cars to use every day, enduring the depreciation/costs in whatever way you choose to take them and then, after a year or two rinse and repeat the whole thing. It doesn’t matter if you’re pcp-ing, leas-ing, hp-ing or old money-ing, the bulk of the costs are in the first few years of value drop.
Have to be careful not to assume everyone has the same circumstances. I have to maintain one car within the steep part of the depreciation curve as its a requirement of my car allowance (there is an age limit). To be honest, depreciation is still a bind, but its less of a bind than losing the benefit of the car allowance.I wouldn't do the cycle you describe otherwise, but others do, who knows their circumstances. ?
Julian Thompson said:
TyrannosauRoss Lex said:
Julian Thompson said:
You doth protest too much, methinks.
I'm sorry, what? Do you know what the word protest means? I'm pretty sure my reply to you wasn't a protest. Good to see you're so very dismissive of reasoned counter-arguments But, let me be clear, I’m not one of “those guys” that does four pages of arguments on the internet to try and escape the inescapable fact that - guess what - they were wrong!
So - for my response, I apologise. I was wrong and I’m sorry.
Now, with my cap in hand can we continue the discussion please?
Hungrymc said:
Have to be careful not to assume everyone has the same circumstances. I have to maintain one car within the steep part of the depreciation curve as its a requirement of my car allowance (there is an age limit). To be honest, depreciation is still a bind, but its less of a bind than losing the benefit of the car allowance.
I wouldn't do the cycle you describe otherwise, but others do, who knows their circumstances. ?
Same here; I have two options take a company car and get reamed on BIk each month and have nowt to show for it when the lease is up or take the allowance and buy my own car with the allowance but there are age restrictions etc. I wouldn't do the cycle you describe otherwise, but others do, who knows their circumstances. ?
Rather than buy something close to the age limit and keep changing it, I bought new fully aware that there’ll be a big hit. It’s softened by the fact they it’s funded by a car allowance.
I did an M4 experience at oulton park at the weekend which my mate had booked but couldn’t make last minute. I liked it! Thought it would be similar to my 204 c63 but felt much more solid put together inside (although on a smooth track) and handled a lot better hiding its weight fairly well I thought.
Also thought I was doing fairly well until I went for the ‘hot lap’ ride with the instructor Jesus it was quick! I don’t know weather it was because I was now in the passenger seat being flung about but it seemed properly fast and gripped and gripped taking some rather impressive corner speeds and it was wet! He also showed some nice drifting ability round a couple of the bends making it look very balanced and controllable, although I’d probably still end up in the barrier if I tried! I do prefer the looks of the M3 and have been scouring the classifieds since!
Also thought I was doing fairly well until I went for the ‘hot lap’ ride with the instructor Jesus it was quick! I don’t know weather it was because I was now in the passenger seat being flung about but it seemed properly fast and gripped and gripped taking some rather impressive corner speeds and it was wet! He also showed some nice drifting ability round a couple of the bends making it look very balanced and controllable, although I’d probably still end up in the barrier if I tried! I do prefer the looks of the M3 and have been scouring the classifieds since!
TyrannosauRoss Lex said:
bilo999 said:
Amazing - almost £35k off for a two year old M4, that is almost unused !
Where as, a few weeks ago a three year old Giulia QF with 45k miles on the clock was for sale, for about £32k, having lost about £30k from new and it was implied that Alfa's depreciate !!!! and are still unreliable ....... surprised that the article didn't say they rust as well!
This BMW is great value motoring, just the heavy depreciation to contend with, and possible unreliability ......but when you get overtaken by the Giulia, will you be so happy?
But it isn't depreciating worse than any of the others. You're just asssuming the original owner paid £89k for this, which they almost certainly didn't.Where as, a few weeks ago a three year old Giulia QF with 45k miles on the clock was for sale, for about £32k, having lost about £30k from new and it was implied that Alfa's depreciate !!!! and are still unreliable ....... surprised that the article didn't say they rust as well!
This BMW is great value motoring, just the heavy depreciation to contend with, and possible unreliability ......but when you get overtaken by the Giulia, will you be so happy?
Edited by bilo999 on Monday 27th January 12:14
rmuss said:
On Carwow apparently BMW are offering £17k off of list price on the M4 right now (brand new), so yea very unlikely.
But they might not have got more than 10% discount at the time, also you could say the the Giulia might have seen a 10% discount as well....so all things being equal, the BMW depreciates much more heavily than the Alfa av185 said:
Hungrymc said:
Ares said:
Is the only definition of 'afford' having cold hard cash sat under the bed in a tin?
If a car is £600/mth, and the person has £7000/mth disposable income, how can that possibly be 'cannot afford'?
As for the financial savvy, how is it more sensible to lose £40,000 in depreciation over 4 years rather than pay £30,000 to lease the same car for the same period?
This is my issue..... My aversion to finance means I decided to buy and play depreciation roulette. Without any doubt, I'd have been better off to take finance.If a car is £600/mth, and the person has £7000/mth disposable income, how can that possibly be 'cannot afford'?
As for the financial savvy, how is it more sensible to lose £40,000 in depreciation over 4 years rather than pay £30,000 to lease the same car for the same period?
This is the crux of it. There are good, bad and horrendous finance deals.
Just like there are good bad and horrendous cash deals.
Although it certainly does appear that there are a disproportionate number of bad pcp type deals with mugs stuck in a never ending cycle of debt paying monthly amounts they cannot afford presumably because they do not understand basic economics.
Porsche911R said:
TyrannosauRoss Lex said:
I have no idea. That's like saying to someone who spends £1000/month renting a property saying they shouldn't live there because they can't afford it, even if they are paying their rent every month on time and lead an otherwise OK life and aren't in financial ruin. Madness.
NO it's like saying you cannot afford a house that size so you are renting it.people can afford to rent cars and houses, but it seems they cannot afford to buy them !
renting a house is lost money also, madness.
What about if you are not stupid enough to buy the car because leasing will be significantly cheaper?
Earthdweller said:
The difference is that if you save and pay you have £60k
If you buy it on finance then all you can afford is around £50k
To have that £60k car now will cost you £1200 a month on finance and cost you £72k .. so you pay £12k to the bank for the privilege of having it now
It doesn’t mean it’s unaffordable or wrong .. but having it now comes with a cost
£60k car will cost £1200/mth?? Jeez, they saw you coming.If you buy it on finance then all you can afford is around £50k
To have that £60k car now will cost you £1200 a month on finance and cost you £72k .. so you pay £12k to the bank for the privilege of having it now
It doesn’t mean it’s unaffordable or wrong .. but having it now comes with a cost
My £65k car costs me just over £600/mth, but will depreciate £800-1000/mth over the 4yrs of the lease. And I'll save £2000 in RFL.
Scorpion22 said:
I love the colour ??
Would you say that renting/hiring cars is the way forward. the depreciation is ridiculous unless you earn a well paid salary and can afford to loose the large lump sum when you drive a new car off the forecourt.
The method of finance doesn't affect the depreciation of the asset so it is a case by case basis. Sometimes it works, sometimes it doesn't, depending on where the manufacturer puts the support, or discount in plain English. Manufacturers seem to enjoy supporting lease as it is perhaps a neat way for them to discount. Would you say that renting/hiring cars is the way forward. the depreciation is ridiculous unless you earn a well paid salary and can afford to loose the large lump sum when you drive a new car off the forecourt.
Ares said:
£60k car will cost £1200/mth?? Jeez, they saw you coming.
My £65k car costs me just over £600/mth, but will depreciate £800-1000/mth over the 4yrs of the lease. And I'll save £2000 in RFL.
If you read the post I was replying too you might see it wasn’t my £60k car or my money My £65k car costs me just over £600/mth, but will depreciate £800-1000/mth over the 4yrs of the lease. And I'll save £2000 in RFL.
Earthdweller said:
Ares said:
£60k car will cost £1200/mth?? Jeez, they saw you coming.
My £65k car costs me just over £600/mth, but will depreciate £800-1000/mth over the 4yrs of the lease. And I'll save £2000 in RFL.
If you read the post I was replying too you might see it wasn’t my £60k car or my money My £65k car costs me just over £600/mth, but will depreciate £800-1000/mth over the 4yrs of the lease. And I'll save £2000 in RFL.
But it doesn't, so it still doesn't make sense.
Glenn63 said:
I did an M4 experience at oulton park at the weekend which my mate had booked but couldn’t make last minute. I liked it! Thought it would be similar to my 204 c63 but felt much more solid put together inside (although on a smooth track) and handled a lot better hiding its weight fairly well I thought.
Also thought I was doing fairly well until I went for the ‘hot lap’ ride with the instructor Jesus it was quick! I don’t know weather it was because I was now in the passenger seat being flung about but it seemed properly fast and gripped and gripped taking some rather impressive corner speeds and it was wet! He also showed some nice drifting ability round a couple of the bends making it look very balanced and controllable, although I’d probably still end up in the barrier if I tried! I do prefer the looks of the M3 and have been scouring the classifieds since!
I think cars often feel quicker from the passenger seat.Also thought I was doing fairly well until I went for the ‘hot lap’ ride with the instructor Jesus it was quick! I don’t know weather it was because I was now in the passenger seat being flung about but it seemed properly fast and gripped and gripped taking some rather impressive corner speeds and it was wet! He also showed some nice drifting ability round a couple of the bends making it look very balanced and controllable, although I’d probably still end up in the barrier if I tried! I do prefer the looks of the M3 and have been scouring the classifieds since!
Sounds like a good day.
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