09-15-2020, 05:40 PM | #23 | |
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I don't pay any money down. Always Base MF. All factory available incentives + what's available to the customer as well as loyalty, UDE, Fleet etc. |
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09-15-2020, 05:42 PM | #24 |
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09-15-2020, 05:44 PM | #25 |
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40i Build ->
Model Code 21XG X5 xDrive40i USD 61,700.00 Color C27 Arctic Grey Metallic 550.00 Upholstery MCEW Ivory White Vernasca Leather N/C Options ZMP M Sport Package 5,750.00 3DZ Without Lines designation outside ZPK Parking Assistance Package 800.00 5DN Parking Assistant Plus 6DR Drive Recorder ZX1 Active Park Distance Control ZX3 Surround View w/ 3D View ZPP Premium Package 1,750.00 1CR Remote Engine Start 4NB 4-zone automatic climate control 610 Head-up Display 688 Harman Kardon surround sound system 6NW Wireless Charging 6U8 Gesture Control 6WD WiFi Hotspot with complimentary 3-month or 3GB trial ZEB Enhanced USB & Bluetooth 337 M Sport Package N/C 1TD 20" M Star-spoke bi-color wheels, styl e 740M with all- 2TB 8-Speed Sport Automatic Transmission 2VF Adaptive M Suspension 3MC Roof rails in High-gloss Shadowline 4AW SensaTec Dashboard 710 M steering wheel 715 Aerodynamic kit 760 Shadowline exterior trim 775 Anthracite headliner 4HA Front and Rear Heated Seats 350.00 4HB Heated Front Seats, Armrests & Steering Wheel 250.00 4KR Fineline Stripe Brown High Gloss Wood Trim N/C 5AP Decoding for no-dazzle high-beam assistance N/C ZAX Apple CarPlay and Android Auto Compatibility N/C ZN1 Active Blind Spot Detection N/C ZN3 Frontal Collision Warning w/ City Collision Mitigation N/C ZN4 Lane Departure Warning N/C ZTM Tier 2 N/C ZX2 Rear view camera N/C Net Total 71,150.00 Destination Charge 995.00 Training/Service Fee N/C Total Suggested Price 72,145.00 |
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09-15-2020, 09:17 PM | #26 |
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I am also deciding between 40i vs 45e in Canada. Here is my research notes (some points have already been stated by forum members, paraphrasing). I'll be glad if these notes helps someone.
Positives: • If you drive a lot in town/country roads, and not a lot of motorway, and you charge it overnight then 45e will be a good choice in the long run. • User averaging 5.4l/100km on local roads. 8.5l/100km on highways and 13l/100km on highways when battery is empty. • Pre-heating possible in the garage without starting the ICE and opening the garage door (need to have some battery charge left). It seems as if the car cannot draw electricity to directly pre-heat. Plug charges and warm-up the battery and battery heats up everything else ?!? • Quiet electric city driving and anxiety free long trips. • Few trips to gas station. May be keep the tank half filled to balance some weight when driving in the city ?!? 1 liter of gas is roughly 710 to 775 grams. If the gas tank remains half empty then we are looking at reducing about 21 kg weight. What is the weight gain on 45e compare to 40i? 350 kg. • Electric torque. • Transition technology until BEVs are mainstream. • Drivers who regularly recharge the car's battery, the X5 can be configured to default to Electric mode every time you turn the car on. • Green license plate, HOV lane access, preferred parking spots • The heavy weight of the 45e because of the batteries makes trailer towing very stable at high speeds. • B58 I6 ICE instead of four cylinder I4 ICE on F15 40e Tax brakes/exemptions where applicable Negatives: • You need to have access to charging outlets, preferably a home garage. Many apartments are not equipped with chargers. • Hybrid and PHEV has complex electronics, cost more upfront, not DIY repairable, cannot recoup extra cost. • More equipment, thus potentially more maintenance costs. Hybrids parts are not widely available and wait time to get parts might be longer. • There is no space for spare tire in 45e • X5 45e doesn't have heat pump, this tech is usually efficient. • Recharging costs. Electricity is not free even if you have solar panels. • Cost of home charger installation for 45e • Resale value after 5-7 years (very difficult to predict, but generally people don't want used hybrids). Some predicts resale value after 5 years will be pretty bad. The technology, battery and mileage on the battery will be outdated. Hybrid powertrain will be considered out of date 5 years from now due to technology advances (and our government already removing Hybrid grants). • Many F15 40e owners have had hard time get rid of it. It's just a question of time when the 45e will also become a false hybrid. For resale alone and speed of repairs many would NOT recommend the 45e. F15 40e had higher MSRP than the 35i, but the resale value on it is drastically lower than a comparable 35i. When it came to repairs, because of the lower volume of the car, BMW Canada never had any stock on parts so repair lead times were always longer. Perhaps the 45e will do better but doubtful. • Whilst it is the same engine as 40i, when running purely on ICE, you are also carrying 350 kg dead weight of batteries; hence the gas mileage on ICE is poor compared to 40i without extra weight. • Cost of battery replacement for 45e after warranty runs out (8 years) • Cost of air suspension replacement (only for 45e as it is standard equipment) vs cost of adaptive m suspension replacement (for M Sport 40i) • The fuel tank is a bit smaller: 69 liters (18.2 gallons). • Smaller trunk. No place under the trunk floor for the space-saver spare tire. • No quick charge option when plugged in, although recharges fast during driving. Would BMW add fast charging option in the next mid-cycle LCI refresh and make current slow charging model unwanted? Most likely. Notes/Questions: • MyBMW app display the range for fuel and electricity separately. • Heating and cooling can be remotely started with the app or display key and is powered by the high voltage battery. The HV battery needs to be charged about 20%. • How many cycle lithium ion battery will last in colder climate. 8 years warranty. Upgradeable?Replacement cost? • You cannot order 45e without air suspension. • Solar panel could complement some charging during day time, but with added cost. • Charging time with the normal BMW charger is 10h for a full charge on 220v - for euro specs 21 kWh available capacity. North American 17 kWh capacity might take less time to charge. • Europeans usually get 32-33 kWh/ 100 km in all electric. So if in the US the battery has 17 kWh net capacity. You should get around 50 km. • It seems to solve one problem PHEV introduces many more complexities in design and packaging. Last edited by SmartSaves; 09-16-2020 at 07:43 AM.. Reason: Added more pros and cons |
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09-15-2020, 11:46 PM | #27 | |
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09-16-2020, 12:04 AM | #28 |
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For the last couple of years, I was having the same debate in my head 40i or waiting for the 45e.
I choose the 45e because I wanted to try something new, with more driving range than the previous electric version. My normal commute is 5-10 minutes to the office, so daily I can drive it just in electric mode. The only hybrid will be on the weekends if going with the family to the beach or somewhere else. From a financial point of view, you get more for your money with the 45e due to Federal, State and local incentives depending on where you live. At least, the $7,500 Federal. For a really similar build, I was getting around $5k less (it might be up to $10k as other members wrote). Also, you get 30% back from your home EV charging installation. The potential problem of the 45e, I suppose it will depreciate much more quickly than the 40i because of the battery and its 8 year warranty. You have more parts in the 45e, plus relatively new in BMW, so there is a potential higher risk of errors. I am thinking getting the extended warranty before my 45e is delivered. Last edited by Finito84; 09-17-2020 at 07:56 PM.. |
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09-16-2020, 01:19 AM | #29 | |
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Thanks for writing detailed summary. It helps! |
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09-16-2020, 09:23 AM | #30 |
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Decided to go 40i.
- My wife is not sold on hybrids, she will probably never plug the car in. As we all know happy wife... - I'm afraid of issues, 40i is a pretty proven platform, 45e is very new - Resale values are somewhat unknown, but history says the hybrid is lower - Spare tire; had a sidewall blowout on a 335 years ago with runflats and was stranded for 5 hours. Don't want a repeat of that. Giving up the tax credit sucks, but the 40i is still a good value relative to the competition. For me, its ICE or EV, not sold on PHEV at this time. The good news is BMW gives us the option. |
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09-16-2020, 12:23 PM | #31 |
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I am also reaching to that conclusion. It seems to solve one problem PHEV introduces many more complexities in design and packaging. By designs EV won't have as many parts as PHEV. Everyone in Auto Industry knows that PHEVs are just stopgap measures until car manufactures catch up with their R&D, testing, certifications, and battery productions.
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09-17-2020, 09:31 PM | #33 | |
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Lease is an expense for the business - Example: $1,000 lease a month, is $1,000 deduction, so $12,000 a year deduction. If you buy a car, depending on the car, you can depreciate up to $18,100 the first year in 2019. If you buy for example an SUV or truck over a certain weight, you could deduct the whole price, for example $80,000 (Section 179). Especially with the Tax Cuts and Jobs Act of 2017, you can get an additional 20% deduction (199A) if your income is under a certain threshold, after that you get it partially, and then, nothing (phase out). Imagine someone that is in the phase out (no 20% deduction), going to be able to save the 20% 199A deduction, plus whatever the income tax bracket due to buying an SUV and fully depreciating it. If you are a business owner, talk to your CPA or Enrolled Agent (EA) or any other professional before the end of the year. A little of tax planning can go a long way (just friendly advice). Last edited by Finito84; 09-17-2020 at 10:53 PM.. |
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09-17-2020, 11:51 PM | #34 | |
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Leasing is a risk mitigation strategy, giving you maximum optionality for minimum cost since it shifts the financial risk from the individual to the leasing company and its portfolio. For anybody planning on buying a new car in 3 years, not only is *BMWFS* leasing *usually* cheaper than financing, it comes with way fewer financial risks (e.g., car crash, market drop, etc). For the last decade, even considering mileage costs, BMWFS leasing has always been cheaper for us (e.g., miles aren't free when selling a used car), plus we get all the optionality and low risk of the lease. We use the same strategy with housing - after owning multiple homes for many years, we sold them and now we lease ... and hedge with shares of the REIT that owns our building! Much lower risk, lower cost. (thought model: what things do I want to use this month and how can I pay the least for them? Leasing! ) To your point, like credit cards, leasing has been used to prey on less financially savvy consumers; but also like credit cards, if you shop around, leasing can be a great way to hedge risk and lower costs. BMWFS has always given us a great deal and we'd be using it for the X5 if it weren't for the 45e's FTC.
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