Umm... I forgot to mention that I'm still an illegal alien :). My wife received her residence just last year so the BMW (1.5 y.o when bought) was really a gift

Umm... I forgot to mention that I'm still an illegal alien :). My wife received her residence just last year so the BMW (1.5 y.o when bought) was really a gift to her. Plus, I really wanted one after driving the 2004 Fiat Punto (no air conditioning!) for over 2 years. I still have the Punto and hope to get a residence this year. It's an 80% mortgage when I do and 50% while I don't so I'd rather wait.