5 minutes ago, blindside said:

Sorry, I should’ve been more clear. 
 

When you finance a vehicle through a bank, you pay the total amount of the car and taxes divided by the length of your term. The most common being 60 months plus the APR which is going up as we speak. It’s a pretty simple loan. 
 

With a lease, every car has a residual value, which is essentially a projection of what that car should be worth after three years (the lease term). It’s calculated as a percentage. The payment you pay, is the difference between the car’s total value and the residual, divided by the lease term which is usually 36 months (the three years) and a money factor which is like an interest rate, but usually extremely low. That probably sounds confusing so I’ll break it down with an example. 
Car cost= $20,000

Residual= 60% so $12,000. (What the car’s value will be and what you can buy it for at the end of the lease)
 

Difference= $8,000 

so you’re financing that $8,000 over 36 months plus the money factor. I don’t know the specifics about difference between it and an interest rate, but it’s calculated differently. But any good lease should be a 0.0001 money factor which is next to no interest at all. Some are higher though, but usually less than regular interest rates because the banks incentivize leasing. 
 

But that’s buying a car that holds its value is better, because if you’re leasing a Hyundai Accent which probably has closer to 40% residual, now you’re financing (leasing) $12,000 for 36 months with (hopefully) very little interest. 
 

So if you’re financing a $20,000 car for 60 months at 3.9%, your payment will be $367.43

 

If you lease the car with a 60% residual, with a .0001 money factor, your payment is somewhere around $230 a month for three years with the option to buy it for $12,000 at the end of your lease, or turn it in. 
 

But with a 40% residual your payment is like $340. 
 

Granted, 60% is VERY GOOD and 40% is VERY BAD. I don’t know if any go that low. Lowest I’ve seen is 45% but you can see how that’s much less attractive. I’d consider realistically good between 55-60%. I probably wouldn’t lease a car with less than a 54%. Highest I’ve seen is that new Jeep Wrangler pickup truck thing.. I think it’s called the commander... it was 91% so your payment was dirt cheap, but the buyout at the end was a lot. But that’s an anomaly. 
 

Hopefully this makes sense. I’ve never typed about leases before. It’d be a lot easier just talking, but here we are 😂

I'm in a similar situation with my AT4 lease coming up in May 23. Are the dealerships allowed ot change the buyout price with the price of trucks/cars rising? So if my buyout was at 42k in 2020 can they say well the truck is now worth blah so the buyout is now 52? 

1 hour ago, ToastJenkins said:

Safety is more cerebral. Corner more physical traits imho. Safety needs to understand route combinations in a spatial manner. Corner is a man or a space most times. Corner must be faster. Safety must be smarter.

example: playing lb i can tell you i wasnt the fastest or strongest. I got by on my brains and technique. I could rush and drop into coverage. If i had curl/flat and that rb started coming out to my side i knew there was a route behind me without even turning my head

 

 Last year including the Eagles it seemed more teams were playing Cover 2 just with 5 DB’s instead of 3 LB’ers.  I haven’t seen Houston’s but Lovie is likely gonna play Tampa 2.  I have no idea who he has MLB, or if he’ll use a DB to play his version of it since the MLB has a lot of coverage responsibilities in that defense.  

10 minutes ago, bpac55 said:

Glad you know what you're talking about!  So any idea what a 2022 SQ5 would look like estimating sale price of $60k

Sq5s have a new generation coming out so push hard for a deal

8 minutes ago, ShawneeEagleFan said:

I'm in a similar situation with my AT4 lease coming up in May 23. Are the dealerships allowed ot change the buyout price with the price of trucks/cars rising? So if my buyout was at 42k in 2020 can they say well the truck is now worth blah so the buyout is now 52? 

No that’s locked into the lease contract. But if you were to trade yours in they could do whatever they want 

11 minutes ago, Allhaildawk said:

Also keep in mind right now dealers are incentivized to lean away from leases.  Market conditions are more desperate now than they will be when you’re turning the car in. God willing. They want to sell you a car with a full market adjustment on it, and take your used car. And sell that with a market adjustment on it. They’re not going to give you a typical residual in this market when they get such a beneficial deal on the sale side. 

Idk, they want cars bad. The lease makes it so they have a good chance of being able to resell the car in three years. I stopped working at the dealer right when covid happened, so idk, you may be right, but the dealers used to push leases so they could resell them, and no one has cars to sell. I can call and ask my buddies and see. You may be right and they may have funny residuals or money factors. 

Just now, blindside said:

Idk, they want cars bad. The lease makes it so they have a good chance of being able to resell the car in three years. I stopped working at the dealer right when covid happened, so idk, you may be right, but the dealers used to push leases so they could resell them, and no one has cars to sell. I can call and ask my buddies and see. You may be right and they may have funny residuals or money factors. 

Sure, but 36 months puts us past the expected pandemic crunch for cars that’s all I’m saying. I’d expect that they’d want to sell a current 25k car with a 5k adjustment now as opposed to for 25 three years from now.  Unless, as I fear they might, they build that adjustment into the lease. That’s my concern with the original example of the x3 OP mentioned. 

17 minutes ago, bpac55 said:

Glad you know what you're talking about!  So any idea what a 2022 SQ5 would look like estimating sale price of $60k

I just looked it up. It’s not great. I wouldn’t even call it good. And I don’t know how to calculate money factor without the program we used at work.. 

 

But the residual is $50 which is.. average, I guess. But Mazdas were never less than like 54%. But they do hold their value better than Audi. But the money factor isn’t good. I saw money factors ranging from .00132 to .005 which the latter is terrible. I also saw .0023 which isn’t good. .005 is like 12% interest. 
 

So in that situation you’re looking at between $850 and $1000 a month for the lease payment. That sounds outrageous to me but maybe you’re a rich mofugga 😂 

And with leading it’s fine, because you’re still under full warranty for the entire lease term, but I wouldn’t but a VW or Audi, personally because of the reliability. Those things are electrical nightmares. Idk if I’ve ever traded one in without a check engine light or ABS light or that all the windows worked. But that’s only if you’re planning on keeping it long term. 60k miles is about when the issues pop up. Their engines are fine, it’s just the electrical, but I don’t like having my car in the shop. But I like the Japanese crap. I love Mazda. I know they don’t sound like premium crap, but they’ve really come a long way since they split from ford and make some really nice crap for the money. And they’re sporty. But if you want true luxury, Mercedes and BMW usually have really attractive leases, but like homie said, maybe all leases are f-ed up right now. 

26 minutes ago, ShawneeEagleFan said:

I'm in a similar situation with my AT4 lease coming up in May 23. Are the dealerships allowed ot change the buyout price with the price of trucks/cars rising? So if my buyout was at 42k in 2020 can they say well the truck is now worth blah so the buyout is now 52? 

Nope, you’re locked in. And they’re gonna BEG you to trade that car in. You’re gonna come out fantastic. Buy that thing and sell it yourself, you’ll make probably $10k. If you trade it, you’ll probably make $6-7k.

17 minutes ago, Allhaildawk said:

Sure, but 36 months puts us past the expected pandemic crunch for cars that’s all I’m saying. I’d expect that they’d want to sell a current 25k car with a 5k adjustment now as opposed to for 25 three years from now.  Unless, as I fear they might, they build that adjustment into the lease. That’s my concern with the original example of the x3 OP mentioned. 

That’s what I don’t know. Theoretically, the higher Re-sale for cars would make for a higher residual which benefits the customer. But the banks might not want to lease for that reason. The dealers don’t really give a crap because they don’t make anything on the lease except the profit from invoice to Sale price because they don’t make anything off the money factor and can’t sell you a warranty: their only incentive is potentially reselling the car after the lease is up and selling you a lower payment to move product. You could be exactly right. Leasing is a crap shoot for both the customer and the manufacturer/bank right now. It could go either way. I’ll call my friend tomorrow and see what he says. He’s been doing it 25 years and knows his crap. 

3 hours ago, justrelax said:

How is he best suited to safety? I'm not clear on what makes him better at that position as opposed to CB. I'm not being argumentative. I just want to know what difference in skill set there is between the two positions. I have a notion but it is far from definitive.

To me it's both mental and physical

A good corner, especially a man corner, has to have good hips. A zone corner can have stiffer hips, but needs to be better at breaking on the ball and reading QBs. That translates more to safety, b/c a good safety needs similar skills, but as far as reading QBs, at a higher level, b/c he's not focused on a smaller area but the whole field at times.

Zone CBs and safeties also have to be good tacklers against the run and be able to work off blocks. It would be nice in man corners, but if you can shut down a top WR, HCs will forgive your sins.

8 hours ago, DEagle7 said:

So far I've heard people suggest we move Maddox, Gowan, Vincent Jr, and Jobe to safety.  Anyone I'm missing?

Not trying to call anyone out.  I frankly don't know enough about it to know if any of these are good or bad ideas. Mostly just curious because we have F all at safety right now and I'm interested to see how it shakes out.

It's tough to know who's smart enough and who has the instincts to do it.

Jobe probably has a leg up given his experience with Saban.

38 minutes ago, 4for4EaglesNest said:

No.  Of course not.  I just was revealing it originated in NC not Texas.  You can carry that knowledge with you, the rest of your life.  

10 hours ago, 4for4EaglesNest said:

If your eyes don’t glisten when you look at Hurts, like RTK’s eyes glisten when he looks at Hurts, you’re a racist.  

Hi I'm greend, and I'm a racist.

18 minutes ago, greend said:

Hi I'm greend, and I'm a racist.

Hi greend

9 hours ago, DEagle7 said:

So far I've heard people suggest we move Maddox, Gowan, Vincent Jr, and Jobe to safety.  Anyone I'm missing?

Not trying to call anyone out.  I frankly don't know enough about it to know if any of these are good or bad ideas. Mostly just curious because we have F all at safety right now and I'm interested to see how it shakes out.

This is where I am as well. I agree with the posters about the physical and cerebral trait differences between CB and S but I don't know enough about any of these guys to say which traits each player has. For instance, the comment that Jobe played for Saban is well-taken, but it could also mean that Saban saw Jobe as better suited to corner than to safety. We have a lot of young fast guys. Hopefully the coaches can figure it out.

9 minutes ago, justrelax said:

This is where I am as well. I agree with the posters about the physical and cerebral trait differences between CB and S but I don't know enough about any of these guys to say which traits each player has. For instance, the comment that Jobe played for Saban is well-taken, but it could also mean that Saban saw Jobe as better suited to corner than to safety. We have a lot of young fast guys. Hopefully the coaches can figure it out.

Makes we wonder if we could see a mutant version of the 3-3-5 with corners playing the "down” safety spots…

i agree it is hard to project players into roles when we arent even sure what the roles will be

10 hours ago, DEagle7 said:

So far I've heard people suggest we move Maddox, Gowan, Vincent Jr, and Jobe to safety.  Anyone I'm missing?

Not trying to call anyone out.  I frankly don't know enough about it to know if any of these are good or bad ideas. Mostly just curious because we have F all at safety right now and I'm interested to see how it shakes out.

Was actually thinking about this morning ....  Which young CB prospect would have the highest chance of making the switch successfully to Safety?

TIL people pay over a grand a month for a car. Buy a house and rent it out for less, and make money.

1 hour ago, greend said:

Hi I'm greend, and I'm a racist.

25 minutes ago, 4for4EaglesNest said:

JJAW makes a ton of sense at Safety, and I suspect they'll try him out there.  Good special teams player, good enforcer, nice build to him and certainly a smart player.  Has the ball skills to play in the secondary.  I like it.  Not sure how he would be down in the box, but I guess we'll see.   

He would be able to swat passes down too, rather than always work on catching them. As a former WR, he would know route trees fairly well.

10 hours ago, purplefiggy said:

In this market, there is no "argue it down."  My transmission went on my car in the fall and I bought a "used" dealer demo car that had only 1k $ reduction off of sticker.  I said "really, you want me to buy this with over 3k miles for just 1k less than sticker?"  His response - you don't have to buy it.  I'll sell it next week for full sticker price, no problem.

And he was right, so I bought it.  Sucks but that's the market today.  You make bank on what you sell and then pay through the nose for what you buy as replacement.

We have a three-year-old MB C300. I was in the dealership for routine service. They had just sold two 2022 GT Coupes for $100K over ask!

25 minutes ago, Swoop said:

He would be able to swat passes down too, rather than always work on catching them. As a former WR, he would know route trees fairly well.

...and give up a HOF career as an H-back?

43 minutes ago, Swoop said:

He would excel at swatting passes down too, rather than always work on catching them. Since he has brick hands

FYP

So I was just told over in CVON that I am not a real fan because I have never been in a fight in the 700 level of the Vet, and apparently you can only be a real fan if you are a native of Philadelphia, thoughts ??

1 hour ago, 4for4EaglesNest said:

JJAW makes a ton of sense at Safety, and I suspect they'll try him out there.  Good special teams player, good enforcer, nice build to him and certainly a smart player.  Has the ball skills to play in the secondary.  I like it.  Not sure how he would be down in the box, but I guess we'll see.   

 

53 minutes ago, Swoop said:

He would be able to swat passes down too, rather than always work on catching them. As a former WR, he would know route trees fairly well.

Agreed.  Having stiff hips makes him horrible as a WR or CB, but TE and Safety fit his physical skills quite well.  I think he needs to be an enforcer for the offense, defense and ST.

9 minutes ago, downundermike said:

So I was just told over in CVON that I am not a real fan because I have never been in a fight in the 700 level of the Vet, and apparently you can only be a real fan if you are a native of Philadelphia, thoughts ??

Hmmm... I've never been in a fight in the 700 level, but was a 700 level season ticket holder from 1996 - 1999.   I witnessed plenty of fights up there, especially in 1998.  More action in the stands than on the field.