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Hi Shaw. Thanks for the suggestion. I really hadn't considered BMW Select. I don't even know how to make a spreadsheet for it but I definitely could try. I want to make some good templates for everyone so I can share it with you guys. But you're right about the payments being the same. But if I decide to trade it back in and the value is higher than the remaining balloon payment, will they reimburse me the difference? Also, I looked at PenFed and they have a Payment Saver option for a really low interest rate. Would that be a better choice over BMW Select?
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