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PENFED is DA BOMB!!!
Posted: 03 July 2009 06:39 PM   [ Ignore ]
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I was in the market to get back into a BMW (I’ll post pictures of it for Graph after I pick it up next week) and I was looking around for private party used car auto loan.  I looked at various lenders and ended up going with PenFed.  Those guys were such a pleasure to work with and the rate was unbeatable.  I got a super rate of 3.99% for a 60-month loan.  It was so easy to apply online and they actually called me the next morning to clear up the application because I did have a break in employment and I had to go over the lease amounts on my rents properties.  I had to fax them over the lease agreements and two paystubs and we were done.  I highly recommend using these guys!

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Posted: 03 July 2009 08:45 PM   [ Ignore ]   [ # 1 ]
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usctrojanman29 - 03 July 2009 06:39 PM

I was in the market to get back into a BMW (I’ll post pictures of it for Graph after I pick it up next week) and I was looking around for private party used car auto loan.  I looked at various lenders and ended up going with PenFed.  Those guys were such a pleasure to work with and the rate was unbeatable.  I got a super rate of 3.99% for a 60-month loan.  It was so easy to apply online and they actually called me the next morning to clear up the application because I did have a break in employment and I had to go over the lease amounts on my rents properties.  I had to fax them over the lease agreements and two paystubs and we were done.  I highly recommend using these guys!

M5?

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Posted: 03 July 2009 08:58 PM   [ Ignore ]   [ # 2 ]
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Stuff It - 03 July 2009 08:45 PM
usctrojanman29 - 03 July 2009 06:39 PM

I was in the market to get back into a BMW (I’ll post pictures of it for Graph after I pick it up next week) and I was looking around for private party used car auto loan.  I looked at various lenders and ended up going with PenFed.  Those guys were such a pleasure to work with and the rate was unbeatable.  I got a super rate of 3.99% for a 60-month loan.  It was so easy to apply online and they actually called me the next morning to clear up the application because I did have a break in employment and I had to go over the lease amounts on my rents properties.  I had to fax them over the lease agreements and two paystubs and we were done.  I highly recommend using these guys!

M5?

Very close…I was thinking about get an M5 which would be good for the realtor thing but I got an 05 M3 Comp package with 38k miles for $28k which I’ll track a few times a year (I attached a link to a picture).  I was looking at getting the new model of the M but wasn’t able to find the color/option combo I wanted and sellers weren’t very negotiable on their prices.  I wonder if Graph will give me a thumbs up on the purchase.

567353083_v3dZY-M.jpg

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Posted: 03 July 2009 09:12 PM   [ Ignore ]   [ # 3 ]
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usctrojanman29 - 03 July 2009 08:58 PM
Stuff It - 03 July 2009 08:45 PM
usctrojanman29 - 03 July 2009 06:39 PM

I was in the market to get back into a BMW (I’ll post pictures of it for Graph after I pick it up next week) and I was looking around for private party used car auto loan.  I looked at various lenders and ended up going with PenFed.  Those guys were such a pleasure to work with and the rate was unbeatable.  I got a super rate of 3.99% for a 60-month loan.  It was so easy to apply online and they actually called me the next morning to clear up the application because I did have a break in employment and I had to go over the lease amounts on my rents properties.  I had to fax them over the lease agreements and two paystubs and we were done.  I highly recommend using these guys!

M5?

Very close…I was thinking about get an M5 which would be good for the realtor thing but I got an 05 M3 Comp package with 38k miles for $28k which I’ll track a few times a year (I attached a link to a picture).  I was looking at getting the new model of the M but wasn’t able to find the color/option combo I wanted and sellers weren’t very negotiable on their prices.  I wonder if Graph will give me a thumbs up on the purchase.

567353083_v3dZY-M.jpg

Nice car. Never had an M before (had an alpina but not an M). I have been looking around for an M5 but waiting until I buy a house - so could be a looong time

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Posted: 03 July 2009 11:18 PM   [ Ignore ]   [ # 4 ]
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scman,

That’s nice…

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Posted: 04 July 2009 08:47 AM   [ Ignore ]   [ # 5 ]
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SC, your payments come out to around $515/month?  Watch out those cars are chick magnets…

I did the same thing when I was still single, enjoy it!  I drove around for years in my old beat up 89 Honda Prelude; saved every penny I had.  No girls took me seriously; they had to pass the Prelude test!  As soon as I went big and bought my M3, I got engaged within a year.  I thought I would always keep the bimmer, kinda like my get away car from the fiancé; but having three coupes between us just didn’t make any sense.  Had to sell the M3 within the first year of marriage; we deck the Yellow 95 out on our wedding day and drove it home, that was a nice memory!

PS… really enjoy it while you can… NOW we have two sedans, I drive a Volvo and the wife a Camry… and we’re contemplating a mini-van :-(

[ Edited: 04 July 2009 08:56 AM by roundcorners ]
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Posted: 04 July 2009 11:52 AM   [ Ignore ]   [ # 6 ]
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roundcorners - 04 July 2009 08:47 AM

SC, your payments come out to around $515/month? Watch out those cars are chick magnets…

I did the same thing when I was still single, enjoy it! I drove around for years in my old beat up 89 Honda Prelude; saved every penny I had. No girls took me seriously; they had to pass the Prelude test! As soon as I went big and bought my M3, I got engaged within a year. I thought I would always keep the bimmer, kinda like my get away car from the fiancé; but having three coupes between us just didn’t make any sense. Had to sell the M3 within the first year of marriage; we deck the Yellow 95 out on our wedding day and drove it home, that was a nice memory!

PS… really enjoy it while you can… NOW we have two sedans, I drive a Volvo and the wife a Camry… and we’re contemplating a mini-van :-(

Tman, quick! We’ll meet at my place at noon to plot out the intervention.

RC, trust me when your kids get older you got have the nice souped up car and the bumping stereo to maintain some sort of coolness in your child’s eye. You are going to be doing a lot of drop offs and pick ups two blocks away from your child’s real destination if you get that minivan.

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Posted: 04 July 2009 01:08 PM   [ Ignore ]   [ # 7 ]
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roundcorners - 04 July 2009 08:47 AM

SC, your payments come out to around $515/month?  Watch out those cars are chick magnets…

I did the same thing when I was still single, enjoy it!  I drove around for years in my old beat up 89 Honda Prelude; saved every penny I had.  No girls took me seriously; they had to pass the Prelude test!  As soon as I went big and bought my M3, I got engaged within a year.  I thought I would always keep the bimmer, kinda like my get away car from the fiancé; but having three coupes between us just didn’t make any sense.  Had to sell the M3 within the first year of marriage; we deck the Yellow 95 out on our wedding day and drove it home, that was a nice memory!

PS… really enjoy it while you can… NOW we have two sedans, I drive a Volvo and the wife a Camry… and we’re contemplating a mini-van :-(

Yeah, $515 and change per month.  I’m going to do the auto debt from the account I opened with them.  I actually used to have a Carbon Black 05 M3 which I bought in 05 right after I got my job offer coming out of SC B-school.  I used to track that car about 4-5 times a year and plan on doing it with this car.  The nice thing about this car is it has an extended maintenance and warranty from BMW North American and is worth at least $30k but the seller had to sell it since his wife got laid off recently.

Btw, the new M3s come in sedans as well plus they are cheaper than the coupes.

[ Edited: 04 July 2009 01:13 PM by USCTrojanCPA ]
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Posted: 04 July 2009 01:11 PM   [ Ignore ]   [ # 8 ]
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Mcdonna1980 - 04 July 2009 11:52 AM
roundcorners - 04 July 2009 08:47 AM

SC, your payments come out to around $515/month? Watch out those cars are chick magnets…

I did the same thing when I was still single, enjoy it! I drove around for years in my old beat up 89 Honda Prelude; saved every penny I had. No girls took me seriously; they had to pass the Prelude test! As soon as I went big and bought my M3, I got engaged within a year. I thought I would always keep the bimmer, kinda like my get away car from the fiancé; but having three coupes between us just didn’t make any sense. Had to sell the M3 within the first year of marriage; we deck the Yellow 95 out on our wedding day and drove it home, that was a nice memory!

PS… really enjoy it while you can… NOW we have two sedans, I drive a Volvo and the wife a Camry… and we’re contemplating a mini-van :-(

Tman, quick! We’ll meet at my place at noon to plot out the intervention.

RC, trust me when your kids get older you got have the nice souped up car and the bumping stereo to maintain some sort of coolness in your child’s eye. You are going to be doing a lot of drop offs and pick ups two blocks away from your child’s real destination if you get that minivan.

Intervention, huh?  haha Don’t worry, I’ll let one of you guys drive next time we go check out some homes…just no redlining it please.  raspberry

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Posted: 04 July 2009 02:27 PM   [ Ignore ]   [ # 9 ]
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[quote author=“usctrojanman29” date=“1246763514 :-(

Intervention, huh? haha Don’t worry, I’ll let one of you guys drive next time we go check out some homes…just no redlining it please. raspberry

“Had to sell the M3 within the first year of marriage….. and we’re contemplating a mini-van”

Yeah, intervention! you must of glanced over the highlighted parts above. Take RC out on the track before he is cast to uncool parent land. smile

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Posted: 04 July 2009 10:37 PM   [ Ignore ]   [ # 10 ]
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Hey… don’t be hatin’ on a mini-van until you’ve actually used one for a while. ALL family cars should have auto sliding doors (or those wing-type DeLorean ones).

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Posted: 05 July 2009 12:15 AM   [ Ignore ]   [ # 11 ]
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roundcorners - 04 July 2009 08:47 AM

SC, your payments come out to around $515/month?  Watch out those cars are chick magnets…

I did the same thing when I was still single, enjoy it!  I drove around for years in my old beat up 89 Honda Prelude; saved every penny I had.  No girls took me seriously; they had to pass the Prelude test!  As soon as I went big and bought my M3, I got engaged within a year.  I thought I would always keep the bimmer, kinda like my get away car from the fiancé; but having three coupes between us just didn’t make any sense.  Had to sell the M3 within the first year of marriage; we deck the Yellow 95 out on our wedding day and drove it home, that was a nice memory!

PS… really enjoy it while you can… NOW we have two sedans, I drive a Volvo and the wife a Camry… and we’re contemplating a mini-van :-(

Oh, man. Please don’t say that. Haha!

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Posted: 05 July 2009 01:59 AM   [ Ignore ]   [ # 12 ]
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Very nice.  Looks like a lot of car for the money.  SMG?

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Posted: 05 July 2009 02:22 AM   [ Ignore ]   [ # 13 ]
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usctrojanman29 - 03 July 2009 08:58 PM

Very close…I was thinking about get an M5 which would be good for the realtor thing but I got an 05 M3 Comp package with 38k miles for $28k which I’ll track a few times a year (I attached a link to a picture).  I was looking at getting the new model of the M but wasn’t able to find the color/option combo I wanted and sellers weren’t very negotiable on their prices.  I wonder if Graph will give me a thumbs up on the purchase.

567353083_v3dZY-M.jpg

M3, that price, with that mileage, with that color combo definitely gets my thumbs up. Great purchase, and two thumbs up for not being a sissy bimmer owner and wanting to go track the bad boy. That is what they are made for. Take you on the twistys FTW!

Wait… you did go with old school stick, and not the SMG. If you went with the SMG, then you might regret it as a commuter in traffic. I can shift smoother in a 58 VW bus with a half blown clutch in bare feet than I can shift in a brand new SMG.

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Posted: 05 July 2009 02:32 AM   [ Ignore ]   [ # 14 ]
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roundcorners - 04 July 2009 08:47 AM

SC, your payments come out to around $515/month?  Watch out those cars are chick magnets…

I did the same thing when I was still single, enjoy it!  I drove around for years in my old beat up 89 Honda Prelude; saved every penny I had.  No girls took me seriously; they had to pass the Prelude test!  As soon as I went big and bought my M3, I got engaged within a year.  I thought I would always keep the bimmer, kinda like my get away car from the fiancé; but having three coupes between us just didn’t make any sense.  Had to sell the M3 within the first year of marriage; we deck the Yellow 95 out on our wedding day and drove it home, that was a nice memory!

PS… really enjoy it while you can… NOW we have two sedans, I drive a Volvo and the wife a Camry… and we’re contemplating a mini-van :-(

Okay… I have been nice to you so far, but now you have crossed the line. Go into your wife’s LV bag and grab your balls, at least for the day, and go get yourself a new M3 sedan. DO IT! You have no excuse, it is a sedan, a comfy sedan at that, and it is what you want. Sedan + hawtness = roundcorners the cool dad. If I am right about the LV bag, then I am right about your balls, go get them back and go get your manhood back. Get the M3 sedan. Don’t be a loser like IHO, no one wants that for you to be the one who thinks sliding rear doors are cool, we only need one person around here who thinks that is cool. Sacrifices have already been made, you don’t need to make any more. Using a sliding door for convenience, just means you are sacrificing your manhood. If you don’t do it now, when you do it later, it may already be too late. You are a mid-life crisis waiting to happen if you don’t.

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Posted: 05 July 2009 09:03 AM   [ Ignore ]   [ # 15 ]
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You just trapped yourself graph… real men don’t need a car to define their manhood.

RC… don’t listen to graph… taking care of your wife and kid is more manly than most.

EDIT: This is what happens when I type too fast… I meant Graph… not USC.

[ Edited: 05 July 2009 10:56 PM by irvine_home_owner ]
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Posted: 05 July 2009 09:21 AM   [ Ignore ]   [ # 16 ]
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USC

Nice pick. M3 is a great ride. Its not the Porsche but it will get the job done.
And I think your good for using it for business as well. There is some “write off” mileage
for sure. Excellent price. Now is the time to buy these used higher end cars.

But still second best German Car made. LOL.

If my business keeps picking up I may go for a used “F” car next year and sell my AMG.
You only live once and I am getting up there on lifes odometer.

Enjoy the new ride !!!

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Posted: 05 July 2009 09:25 AM   [ Ignore ]   [ # 17 ]
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Graph, I appreciate the gesture, but it’s been a long, long time, since I tied my manhood to an object.  I know you probably won’t understand this (and I’ll be more than happy to explain) but for me, true masculinity comes from God.  My identity as a man, as a husband and father comes from Him alone.

Yeah, I get caught up all the time, and forget that.  Thanks for reminding me!  And this is what the OC Pathology is all about, right?  To be a man, you have to get the girl, the house, the car, right?  Without it, you’re just not The Man!  What happens when your car gets stolen, breaks down or gets old?  What happens if your wife/girlfriend leaves you or your house slides into the ocean?  It’s really tricky when your manhood depends on it!

No, the wife does not have the LV bag; although there is one $1,600 bag she’s been eyeing for the longest time.  I keep telling her that she can have it, just go pick it up!  But she never does.  She also knows her identify does not depend on the bag alone.  Now, that is not to say she does not like fine things.  I hate to brag but she does have a $25,000 Tiffany wedding ring and band.  But since the baby, she just chooses to wear the $500 band I got from a San Gabriel jewelry store.

I ask her sometimes, when we see a M3 or an M5 on the road.  Hey dear, can I have that car?  She always says, yes!  And that is good enough for me…

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Posted: 05 July 2009 09:25 AM   [ Ignore ]   [ # 18 ]
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RC - don’t listen to Graph. He’s never had his little boy run a Hotwheels car down the side of his door and scrape it or accidentally leave a cup of milk on the floor overnight, spoil, and explode on the carpet under the seat. It sounds cool until they’re jumping up and down on the hood of your car.

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Posted: 05 July 2009 10:08 AM   [ Ignore ]   [ # 19 ]
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I am anxiously awaiting Graph’s entrance in fatherhood, it will be exceedingly interesting. Of course, even though my husband always chooses the minivan over his car when he has to take the kids, he still NEVER calls the minivan his car. I’m sure Graph was joking and would never suggest that RC goes out and blows the family budget on a car to make himself look good, right Graph?

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Posted: 05 July 2009 11:26 AM   [ Ignore ]   [ # 20 ]
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Daedalus - 05 July 2009 01:59 AM

Very nice.  Looks like a lot of car for the money.  SMG?

Hello no, 6-speed all the way.  The first mod on the list is a Rogue short shifter kit.

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Posted: 05 July 2009 11:27 AM   [ Ignore ]   [ # 21 ]
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graphrix - 05 July 2009 02:22 AM
usctrojanman29 - 03 July 2009 08:58 PM

Very close…I was thinking about get an M5 which would be good for the realtor thing but I got an 05 M3 Comp package with 38k miles for $28k which I’ll track a few times a year (I attached a link to a picture).  I was looking at getting the new model of the M but wasn’t able to find the color/option combo I wanted and sellers weren’t very negotiable on their prices.  I wonder if Graph will give me a thumbs up on the purchase.

567353083_v3dZY-M.jpg

M3, that price, with that mileage, with that color combo definitely gets my thumbs up. Great purchase, and two thumbs up for not being a sissy bimmer owner and wanting to go track the bad boy. That is what they are made for. Take you on the twistys FTW!

Wait… you did go with old school stick, and not the SMG. If you went with the SMG, then you might regret it as a commuter in traffic. I can shift smoother in a 58 VW bus with a half blown clutch in bare feet than I can shift in a brand new SMG.

Not to worry Graph, 6-speed was the only kind of trans I’d get in this kind of car.

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Posted: 05 July 2009 12:25 PM   [ Ignore ]   [ # 22 ]
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What’s all this lame talk about “define” and “depends”.  You buy fun stuff because it’s fun.  It doesn’t have to define anything. Sometimes a car or a purse is just a car or a purse.  Chill out. 

And I don’t think anyone was being literal about the object having anything to do with manhood, but rather the sacrificing of your own happiness and the possible crisis you could bring upon your family later if you sacrifice it too much for too long.  I think it is possible for a man to be a father and be himself at the same time.

This thread reminds me of the diet advice I read in magazines all the time: if you don’t allow yourself to have a little bit of the thing you crave and makes you happy, then you will probably binge later and regret it.

And, about Graph and fatherhood: our sacrifice would likely be that we would pay for 3 cars.  I would have my sportscar, he would have his sportscar, and a third car to toss the kids in.  Who says sacrifice = denial?  Sometimes sacrifice = paying more to reduce risk and increase happiness.

Trojanman - awesome car. I approve of the color.

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Posted: 05 July 2009 12:43 PM   [ Ignore ]   [ # 23 ]
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roundcorners - 05 July 2009 09:25 AM

I ask her sometimes, when we see a M3 or an M5 on the road.  Hey dear, can I have that car?  She always says, yes!  And that is good enough for me…

RC, I am so jealous… I asked my wife today if i can buy that Kawasaki Ninja ZX6R bike I’ve always wanted. Her answer was “No” I said, “Sweetie, but I would never ride it in the freeway. Can you please think about it? “NO!”

2008+new+kawasaki+ninja+zx6r+black.jpg

[ Edited: 05 July 2009 01:29 PM by PANDA ]
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Posted: 05 July 2009 01:25 PM   [ Ignore ]   [ # 24 ]
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tmare - 05 July 2009 10:08 AM

I am anxiously awaiting Graph’s entrance in fatherhood, it will be exceedingly interesting. Of course, even though my husband always chooses the minivan over his car when he has to take the kids, he still NEVER calls the minivan his car.

The first step of interesting will be if I ever get to the point where fatherhood is a possibility. I need to have a lot more of my ducks in a row, and right now it is like trying to heard a bunch of wild cats. However, eating in my car will be prohibited, just as it is now. Meal times are meal times, and they don’t happen when you are in a car. That was the way I was raised, and it is probably why I enjoy having my meal times as more that just eating to this day. There will be no hot wheels on the car or jumping on the hood either, the fear of the consequences of that alone will prevent that from happening, just as it was for me growing up. I never knew if they were idle threats, but I chose never to find out. Either that, or they will be mowing a lot of lawns/having bake sales to replace a hood or paint the bimmer. Like Cayci said, we would most likely have a kid friendly car, but I would have my own car, and the kid friendly car would NOT be mine EVER!

I’m sure Graph was joking and would never suggest that RC goes out and blows the family budget on a car to make himself look good, right Graph?

You are correct, I would never condone that. I think RC missed my joke and my point completely, but he seems to have some higher understanding that obviously I don’t understand, at least that is what he assumes. And you know what they say about ASSume.

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Posted: 05 July 2009 02:00 PM   [ Ignore ]   [ # 25 ]
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caycifish - 05 July 2009 12:25 PM

What’s all this lame talk about “define” and “depends”.  You buy fun stuff because it’s fun.  It doesn’t have to define anything. Sometimes a car or a purse is just a car or a purse.  Chill out. 

And I don’t think anyone was being literal about the object having anything to do with manhood, but rather the sacrificing of your own happiness and the possible crisis you could bring upon your family later if you sacrifice it too much for too long.  I think it is possible for a man to be a father and be himself at the same time.

This thread reminds me of the diet advice I read in magazines all the time: if you don’t allow yourself to have a little bit of the thing you crave and makes you happy, then you will probably binge later and regret it.

And, about Graph and fatherhood: our sacrifice would likely be that we would pay for 3 cars.  I would have my sportscar, he would have his sportscar, and a third car to toss the kids in.  Who says sacrifice = denial?  Sometimes sacrifice = paying more to reduce risk and increase happiness.

Trojanman - awesome car. I approve of the color.

Thank you, the color is Mystic Blue Metallic and looks awesome in person.  You are completely right, I didn’t buy this car other than the fact that I used to have one and enjoyed the driving experience.  It’s a car that can go from the track to a nice night out on the town, plus I missed not driving a stick (my Honda Accord is an automatic).

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