Young people and sensible boring saloons
Discussion
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It wasn't a show car by any means, but not broken. They just don't have much torque for 50 - 90 driving and aren't very good for high speed cruising.If you have a track car I totally understand this, but not as a daily driver.
C70R said:
Traditional wisdom is old news. Plenty of lenders will allow you to borrow 4-5x (or more) on a single salary. Hell, my parents borrowed 3.5-4x in 1976!
In the example above, the chap was taking home £1850/mth, and could have borrowed 5x his salary (£140k against £28kpa) for £570/mth over 30yrs @ 95%.
That's an extreme example of someone buying solo with a small deposit, but I personally don't think that 30% of net income on housing is at a level that would worry me. I can't imagine that renting would be significantly cheaper, as proven in the example.
Your cavalier attitude to taking on huge amounts of debt is jaw dropping. You'd better hope that house prices keep rising strongly for ever and ever, interest rates never rise again and you have 100% job security.In the example above, the chap was taking home £1850/mth, and could have borrowed 5x his salary (£140k against £28kpa) for £570/mth over 30yrs @ 95%.
That's an extreme example of someone buying solo with a small deposit, but I personally don't think that 30% of net income on housing is at a level that would worry me. I can't imagine that renting would be significantly cheaper, as proven in the example.
Edited by C70R on Thursday 20th October 16:56
Lucas Ayde said:
C70R said:
Traditional wisdom is old news. Plenty of lenders will allow you to borrow 4-5x (or more) on a single salary. Hell, my parents borrowed 3.5-4x in 1976!
In the example above, the chap was taking home £1850/mth, and could have borrowed 5x his salary (£140k against £28kpa) for £570/mth over 30yrs @ 95%.
That's an extreme example of someone buying solo with a small deposit, but I personally don't think that 30% of net income on housing is at a level that would worry me. I can't imagine that renting would be significantly cheaper, as proven in the example.
Your cavalier attitude to taking on huge amounts of debt is jaw dropping. You'd better hope that house prices keep rising strongly for ever and ever, interest rates never rise again and you have 100% job security.In the example above, the chap was taking home £1850/mth, and could have borrowed 5x his salary (£140k against £28kpa) for £570/mth over 30yrs @ 95%.
That's an extreme example of someone buying solo with a small deposit, but I personally don't think that 30% of net income on housing is at a level that would worry me. I can't imagine that renting would be significantly cheaper, as proven in the example.
Edited by C70R on Thursday 20th October 16:56
Not sure if you completely understand how interest rates work, but nothing the markets do are going to have a significant impact on a £570/mth payment (i.e. it's hardly going to double!). As for the "job security" thing, I don't see why that's more relevant here than in any other house-buying scenario.
Cars mean different things to different people. For some they are a necessity (kids, family etc), for some it's aspiration (just buying because of the badge) and for others it's a hobby. I drive an E Class for work, it's comfortable, pretty economical and a good place to be for the working week. That's where it stops for me, it's good at what it does but it will never be a car I would go out of my way to buy at the moment, in my current situation, I don't have kids so the back seats are just a place to put my bags or mates on occasions. So whilst I'd fit in to the category of a 'young person in a boring saloon' it's not really 'me' as I have a CSL at home in the garage and that's where I'd rather be all the time but let's be honest it's not a daily.
CraigyMc said:
C70R said:
Sh*t. I've just spotted that you claim to earn £60kpa and still 'lodge' in someone else's house. I should have realised this was an elaborate troll all along. 
Quite a few people have done that, myself included.The South is quite an expensive place to live.
C70R said:
...And the fact that my parents' generation weren't so aspirational and didn't piss all their money up the wall on tat, new cars and foreign holidays.....
I got married in 1990, we own our house, it's not a palace, but it's comfortable.We could have spent more of our income on the mortgage over the years and live in a 5 or 6 bed place, but I don't regret the 'new cars and foreign holidays' I had along the way.
In fact, as I get older, I recognise that you get a LOT more out of experiences than you do out of things...
I never look back and think "Oh, we could have an extra bedroom if I'd not going heli-skiing in Canada or taken the family to Brekenridge and skiied the Golden Eagle run or stood on the edge of the Grand Canyon or dived with Sharks and Manta Rays in the Azores"!
Some people obviously do, and that's their business, but most of the people I know like that are more worried about the fact that they know someone with a house with one more bedroom than them or this year's model of executive saloon...
If I could do it again, I'd spend LESS on the mortgage and MORE on experiences!
M.
Sparkzz said:
24, Drive an S class. Not sure what people mean by 'perceived luxury'
Had a tuned 330d before this, about 350bhp.
For me, I just can't see the reason why anyone would want most hot hatches. I see these cars as shopping trolleys which are mildly quick. There probably are people my age who got and PCP buy an Audi, Merc or BMW based purely on image but I'm certainly not one of them. My old (2008) S Class isn't particularly popular with the 'showy' types of idiots my age, one of the best bits IMO.
I can't understand why people would want a hot hatch really, new ones cost a fortune, old ones are slow. Most diesel rep cars are pretty quick, look good and have nice interiors. Personally, I couldn't contemplate driving a new civic or similar. I'd much rather go for an old one, a new one just says you willingly spend a good amount of money on something hideously styled with an uncomfortable interior. At least if you drive a £500 its costing you nothing.
Much of this will be driven by impressing your peers and the ladies, I think it's desirable now for a lass to have a boyfriend that has a nice motor. I don't think many are really impressed by hatches, they look like what their dads drive but make a lot of noise. Mostly s
t noise too because they're all hyper stressed 1.4 turbo wotsits.
You obviously don't enjoy driving that much then, do you like going for a B road blast for example? Have you driven the likes of a Megane 265, Fiesta ST or M135i for example? I can't understand why you would want a tuned diesel or a big, potentially ruinous, barge, unless you are maybe doing over 100 miles per day commute or have 3 kids.Had a tuned 330d before this, about 350bhp.
For me, I just can't see the reason why anyone would want most hot hatches. I see these cars as shopping trolleys which are mildly quick. There probably are people my age who got and PCP buy an Audi, Merc or BMW based purely on image but I'm certainly not one of them. My old (2008) S Class isn't particularly popular with the 'showy' types of idiots my age, one of the best bits IMO.
I can't understand why people would want a hot hatch really, new ones cost a fortune, old ones are slow. Most diesel rep cars are pretty quick, look good and have nice interiors. Personally, I couldn't contemplate driving a new civic or similar. I'd much rather go for an old one, a new one just says you willingly spend a good amount of money on something hideously styled with an uncomfortable interior. At least if you drive a £500 its costing you nothing.
Much of this will be driven by impressing your peers and the ladies, I think it's desirable now for a lass to have a boyfriend that has a nice motor. I don't think many are really impressed by hatches, they look like what their dads drive but make a lot of noise. Mostly s
t noise too because they're all hyper stressed 1.4 turbo wotsits.Edited by Sparkzz on Thursday 20th October 18:23
You think it is desirable for a lass to have a boyfriend with a nice motor? What does that even mean?
So you think your 330d (tuned) and S class are for impressing people and hot hatches are a waste of time? I thought this was PistonHeads?
By the way, what did you do to your 330d to achieve 350bhp?
neil1jnr said:
Sparkzz said:
24, Drive an S class. Not sure what people mean by 'perceived luxury'
Had a tuned 330d before this, about 350bhp.
For me, I just can't see the reason why anyone would want most hot hatches. I see these cars as shopping trolleys which are mildly quick. There probably are people my age who got and PCP buy an Audi, Merc or BMW based purely on image but I'm certainly not one of them. My old (2008) S Class isn't particularly popular with the 'showy' types of idiots my age, one of the best bits IMO.
I can't understand why people would want a hot hatch really, new ones cost a fortune, old ones are slow. Most diesel rep cars are pretty quick, look good and have nice interiors. Personally, I couldn't contemplate driving a new civic or similar. I'd much rather go for an old one, a new one just says you willingly spend a good amount of money on something hideously styled with an uncomfortable interior. At least if you drive a £500 its costing you nothing.
Much of this will be driven by impressing your peers and the ladies, I think it's desirable now for a lass to have a boyfriend that has a nice motor. I don't think many are really impressed by hatches, they look like what their dads drive but make a lot of noise. Mostly st noise too because they're all hyper stressed 1.4 turbo wotsits.
You obviously don't enjoy driving that much then, do you like going for a B road blast for example? Have you driven the likes of a Megane 265, Fiesta ST or M135i for example? I can't understand why you would want a tuned diesel or a big, potentially ruinous, barge, unless you are maybe doing over 100 miles per day commute or have 3 kids.Had a tuned 330d before this, about 350bhp.
For me, I just can't see the reason why anyone would want most hot hatches. I see these cars as shopping trolleys which are mildly quick. There probably are people my age who got and PCP buy an Audi, Merc or BMW based purely on image but I'm certainly not one of them. My old (2008) S Class isn't particularly popular with the 'showy' types of idiots my age, one of the best bits IMO.
I can't understand why people would want a hot hatch really, new ones cost a fortune, old ones are slow. Most diesel rep cars are pretty quick, look good and have nice interiors. Personally, I couldn't contemplate driving a new civic or similar. I'd much rather go for an old one, a new one just says you willingly spend a good amount of money on something hideously styled with an uncomfortable interior. At least if you drive a £500 its costing you nothing.
Much of this will be driven by impressing your peers and the ladies, I think it's desirable now for a lass to have a boyfriend that has a nice motor. I don't think many are really impressed by hatches, they look like what their dads drive but make a lot of noise. Mostly s
t noise too because they're all hyper stressed 1.4 turbo wotsits.Edited by Sparkzz on Thursday 20th October 18:23
You think it is desirable for a lass to have a boyfriend with a nice motor? What does that even mean?
So you think your 330d (tuned) and S class are for impressing people and hot hatches are a waste of time? I thought this was PistonHeads?
By the way, what did you do to your 330d to achieve 350bhp?
Since 19 I have had larger cars and still enjoy driving them. Can get my old Range Rover down roads faster than a lot of the young lads in hatches would be doing it. Obviously not straight line stuff.
neil1jnr said:
You obviously don't enjoy driving that much then, do you like going for a B road blast for example? Have you driven the likes of a Megane 265, Fiesta ST or M135i for example? I can't understand why you would want a tuned diesel or a big, potentially ruinous, barge, unless you are maybe doing over 100 miles per day commute or have 3 kids.
You think it is desirable for a lass to have a boyfriend with a nice motor? What does that even mean?
So you think your 330d (tuned) and S class are for impressing people and hot hatches are a waste of time? I thought this was PistonHeads?
By the way, what did you do to your 330d to achieve 350bhp?
I've driven a 135i yes, they're nice cars, a little small for me really I'd probably buy a 335i. Even the 135i is probably a german barge to some people.You think it is desirable for a lass to have a boyfriend with a nice motor? What does that even mean?
So you think your 330d (tuned) and S class are for impressing people and hot hatches are a waste of time? I thought this was PistonHeads?
By the way, what did you do to your 330d to achieve 350bhp?
When I bought the 330d my commute was substantial, it would have made no sense to have a petrol car. Moreover, the 330d is quicker than the petrol, especially with a tune.
The 330d had a full exhaust system, induction kit, hybrid turbo and different injectors. Probably went a bit over board with it really, should have bought a 335 but hey ho.
I think that many young lasses do want a boyfriend with a nice car and I suggest this as a reason for why people my age and younger buy them. It's not my personal reason however, as I don't think my S Class is regarded as 'cool' by many people. I'd also much prefer it this way.
Have you ever driven an S Class, they're rather good fun to drive in a comical sort of way.
In terms of B road blasts, yeah, done it loads living out in the countryside, used to do it every night until I was about 20, car full of mates etc. I've never really understood how you can get a kick out of driving unless your on the limit, and if you've never been in a field, you've never been on the limit either. I couldn't even drive my 330d to it's limit on the road to be honest with you. The S class is air driven suspension so it corners as well as something much smaller anyway, I'd much rather run around in something that looks nice and what I enjoy than a hot hatch (which usually aren't that quick)
I don't understand how you can think the car is ruinous either, expensive to run maybe, but much cheaper than buying a new civic and spending a fortune on fuel and depreciation. I also bought the car, with enough money to run it - however inconceivable this is to you.
The S Class is the first car I've owned that I really enjoy, the others were just for pratting around in to be honest. Toys.
Slow said:
Other than the BMW I don't like hot hatches because they are fwd (exceptions like a45/rs3are so expensive). Often need to carry quite a lot of people, at least once I a week I have 4/5 people in my car. Being 6 foot 4 no one would fit behind me in a hatchback.
Since 19 I have had larger cars and still enjoy driving them. Can get my old Range Rover down roads faster than a lot of the young lads in hatches would be doing it. Obviously not straight line stuff.
Personally, I can't see why anyone would buy a hatch over a saloon anyway. They look ugly and are less practical unless you use your car as a van.Since 19 I have had larger cars and still enjoy driving them. Can get my old Range Rover down roads faster than a lot of the young lads in hatches would be doing it. Obviously not straight line stuff.
Was actually thinking of getting a Range Rover when I bought the S Class but couldn't find a real nice one in budget.
Slow said:
Other than the BMW I don't like hot hatches because they are fwd (exceptions like a45/rs3are so expensive). Often need to carry quite a lot of people, at least once I a week I have 4/5 people in my car. Being 6 foot 4 no one would fit behind me in a hatchback.
Since 19 I have had larger cars and still enjoy driving them. Can get my old Range Rover down roads faster than a lot of the young lads in hatches would be doing it. Obviously not straight line stuff.
Fair point, I am 5'10", regularly have no more than one passenger in my car and I like FWD. I still can't see how you wouldn't enjoy a good FWD hatch though. I mean I love hot hatches but I like driving anything in general a lot. I've gave my mates 4.4 tdV8 a go round our local B road routes and all I can say is that young lads round your way must not know how to drive! Since 19 I have had larger cars and still enjoy driving them. Can get my old Range Rover down roads faster than a lot of the young lads in hatches would be doing it. Obviously not straight line stuff.
C70R said:
If you earn 60kpa and can't afford to rent a place of your own, your personal finances have gone very badly wrong.
Working away perhaps? Quite a few colleagues of mine on 60k or there abouts and lodge during the week. One of them lodges and goes back to mum and dads at the weekends while saving for a house. Some people have different priorities I guess!
AshBurrows said:
What's the deal?
I'm not old really, but all of my friends about a decade ago wanted civic type Rs/Golf GTIs/Astra VXRs/etc and then Evos/Skylines/etc. Now it seems as though a huger percentage of youngish people aspire to own something insanely dull and slow?
Is it because of insurance on anything remotely fun/quick?
Is it to give the illusion of success? (Being a rep is aspirational if so?!)
Perceived reliability?
My wife's little brother is spending a fortune to finance a 4 year old base spec C220D and I just cannot see the appeal. This is what got me thinking.
I could understand it if it was a brutal, showy C63 or something, but not this.
It's quite funny to see something my dad would have bought getting ragged through a town and sounding like it's running on ballbearings.
I'm sure there's a fair few people on here who have kids that age or are that age themselves that can shed some light on it.
But ultimately what is the difference between spending a fortune to run a C220D and an EVO/VXR etc?I'm not old really, but all of my friends about a decade ago wanted civic type Rs/Golf GTIs/Astra VXRs/etc and then Evos/Skylines/etc. Now it seems as though a huger percentage of youngish people aspire to own something insanely dull and slow?
Is it because of insurance on anything remotely fun/quick?
Is it to give the illusion of success? (Being a rep is aspirational if so?!)
Perceived reliability?
My wife's little brother is spending a fortune to finance a 4 year old base spec C220D and I just cannot see the appeal. This is what got me thinking.
I could understand it if it was a brutal, showy C63 or something, but not this.
It's quite funny to see something my dad would have bought getting ragged through a town and sounding like it's running on ballbearings.
I'm sure there's a fair few people on here who have kids that age or are that age themselves that can shed some light on it.
As long as it is what they want, the outcome is the same. Actually I'd imagine that it is considerably cheaper to run a C220d than a can like an EVO.
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