Anyone into cars but not credit?
Discussion
RSK21 said:
BigLion said:
I don't have time to use crayons to help explain the obvious - sorry.
Why would you need crayons ?
You still haven't answered the perfectly reasonable question about your mate / colleague.
Why are so aggressive in your tone on this subject ?
Granfondo said:
RSK21 said:
Granfondo said:
But we're you going on forums telling people to smoke?
I didn't once see BF attempting to sell on behalf of his employer.
Cars generally depreciate. A £30K mass produced new car is going to be worth £15K in three years ish.
If you want to drive a new car, there are rarely avoidable financial consequences.
Buying with cash doesnt change that.
Driver101 said:
I'm giving my opinion from what I see. I've copied surveys highlighting the amount of cars being sold is going up, as is the value of the debt at the same time.
Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
I honestly don't think Daemon has spent t the whole thread telling people they are wrong Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
Has he not repeatedly said there are options and circumstances to consider rather than one way is right and one way is wrong ?
daemon said:
Granfondo said:
RSK21 said:
Granfondo said:
But we're you going on forums telling people to smoke?
I didn't once see BF attempting to sell on behalf of his employer.
Cars generally depreciate. A £30K mass produced new car is going to be worth £15K in three years ish.
If you want to drive a new car, there are rarely avoidable financial consequences.
Buying with cash doesnt change that.
RSK21 said:
Driver101 said:
I'm giving my opinion from what I see. I've copied surveys highlighting the amount of cars being sold is going up, as is the value of the debt at the same time.
Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
I honestly don't think Daemon has spent t the whole thread telling people they are wrong Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
Has he not repeatedly said there are options and circumstances to consider rather than one way is right and one way is wrong ?
RSK21 said:
Driver101 said:
I'm giving my opinion from what I see. I've copied surveys highlighting the amount of cars being sold is going up, as is the value of the debt at the same time.
Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
I honestly don't think Daemon has spent t the whole thread telling people they are wrong Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
Has he not repeatedly said there are options and circumstances to consider rather than one way is right and one way is wrong ?
Granfondo said:
Really?
You obviously think differently, I''m not going to go over every post but that's my sense. As it is of most posters who have mentioned finance products as having merit at times.Some questions ?
What car do you drive ?
Have you ever or do you still smoke ?
Have you ever placed a bet ?
Do you drink alcohol ?
RSK21 said:
Granfondo said:
But you won't get the manufacturers 0% if you want 25% discount though will you?
Yes and I did.
And that's exactly the point, in the right circumstances at the right time on the right car finance can be used to good effect.
I just don't understand why some people cannot accept this.
Granfondo said:
RSK21 said:
Driver101 said:
I'm giving my opinion from what I see. I've copied surveys highlighting the amount of cars being sold is going up, as is the value of the debt at the same time.
Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
I honestly don't think Daemon has spent t the whole thread telling people they are wrong Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
Has he not repeatedly said there are options and circumstances to consider rather than one way is right and one way is wrong ?
Your life shouldn't be financed that tightly that you account for every penny every month.
Driver101 said:
I'm giving my opinion from what I see. I've copied surveys highlighting the amount of cars being sold is going up, as is the value of the debt at the same time.
Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
You are adding statistics together to draw a conclusion. Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
"The most prevalent type of food eaten in the UK is indian food"
"People from India eat predominantly indian food"
Therefore most people in the UK are from India?
I'm not saying everyone is wrong, i am merely challenging the opinion and prejudices that i see on here, when i see them.
And moreoften once you scratch beneath the surface, theres little substance there.
The most common one cited here is "most new cars are financed by lease or PCP" and "the average UK wage is £26K" therefore "people who lease cars are on a low wage and cant really afford it"...
Driver101 said:
Just to reiterate my point, I'm not actually anti-finance at all. I've nothing against people using finance responsibly. My issues is the volume of debt that I see people taking on.
I honestly have not seen anybody advocating that's a good thing or promoting irresponsibility on this thread and therefore am baffled as to how it has become quite so vitriolic.
Granfondo said:
daemon said:
Granfondo said:
RSK21 said:
Granfondo said:
But we're you going on forums telling people to smoke?
I didn't once see BF attempting to sell on behalf of his employer.
Cars generally depreciate. A £30K mass produced new car is going to be worth £15K in three years ish.
If you want to drive a new car, there are rarely avoidable financial consequences.
Buying with cash doesnt change that.
DoubleD said:
I think something that we can all agree on is if you earn it, then you can spend it however you like.
No, clearly people cant agree on that.Thats the whole point - we've people on here saying that people are "too stupid" to take on finance deals rationally or that they "cant really afford it", even when those individuals saying it dont know everyones circumstances.
We've also people saying that people cant be allowed to spend their money as they like because they're not saving money for their retirement.
And we've people saying no people cant be allowed finance because they dont have a certain amount of savings.
So, no, people on here WONT agree with that.
Granfondo said:
daemon said:
Whats the issue with that?
I dont think anyone is saying "leasing / PCP is the ONLY way to buy a car, otherwise you're stupid".
Its AN option. Suits some people, some times. Sometimes doesnt suit at all.
I dont see why you have to try and twist things, just to "win" an argument on the internet?
Only stating facts!I dont think anyone is saying "leasing / PCP is the ONLY way to buy a car, otherwise you're stupid".
Its AN option. Suits some people, some times. Sometimes doesnt suit at all.
I dont see why you have to try and twist things, just to "win" an argument on the internet?
RSK21 said:
You obviously think differently, I''m not going to go over every post but that's my sense. As it is of most posters who have mentioned finance products as having merit at times.
Some questions ?
What car do you drive ?
Have you ever or do you still smoke ?
Have you ever placed a bet ?
Do you drink alcohol ?
I totally agree about finance products having a place and I have used them in the past and will be maybe shortly! Some questions ?
What car do you drive ?
Have you ever or do you still smoke ?
Have you ever placed a bet ?
Do you drink alcohol ?
Bianchi Infinito
Non smoker.
Lottery
Nothing since August but partial to wine and occasional Drambuie.
Granfondo said:
RSK21 said:
Driver101 said:
I'm giving my opinion from what I see. I've copied surveys highlighting the amount of cars being sold is going up, as is the value of the debt at the same time.
Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
I honestly don't think Daemon has spent t the whole thread telling people they are wrong Other surveys are telling us that people have nothing in the bank.
You've spent this entire thread telling everyone else they are wrong, but you're only using your opinion. Where is the evidence to back up what you think?
Has he not repeatedly said there are options and circumstances to consider rather than one way is right and one way is wrong ?
Really.
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