Anyone into cars but not credit?
Discussion
PorkInsider said:
I struggle to understand why anyone responds.
He writes some b
ks intended to get people to bite and every time, without fail, people fall over themselves to reply.
Just ignore.
But it's so easy to call him out and better him, might as well have some fun and at least it gives him some attention, which he so desperately needs. At least it might stop him spiraling further into his depression. He writes some b
ks intended to get people to bite and every time, without fail, people fall over themselves to reply.Just ignore.
Driver101 said:
You've gone though this entire thread,and other finance threads on here, repeating the same things over and over. You've provided absolutely nothing to back up your opinion when you keep "challenging" others.
Yes, i'm adapting the "learning by repetition" approach that people use with small children - if i repeat it often enough, maybe the people its aimed at will actually at some point listenMy view is quite reconciled and i have no issues with it - to run a car over a specific timeframe, buying with cash isnt always best. It might well be, but not always. There are other options available to people, particularly leasing, where companies with access to massive manufacturer incentives are falling over themselves to provide the cheapest deals. These deals OFTEN - but not always - can cost less than buying the same car, suffering depreciation and reselling.
Leasing doesnt particularly work for me, as once you pile on options the figures might not stack up as well as you'd hope, and likewise due to my job role, my mileage can be all over the place, so its hard to commit to a set mileage over a set time.
I can see how leasing works for many, just as i can see how making a cash purchase works for many too.
There is this new view that leasing is bad for the global economy, however the people who are vocal about that, once the surface is scratched its usually fairly easy to see they've got a great big chip on their shoulder, rather than having a balanced view. Also if those same people are so concerned about the planet, you'd think they wouldnt be driving TVRs, etc, but there you go.
I dont accept that everyone who leases is living hand to mouth every month and i dont accept that leasing is the road to ruin. Like anything, used in moderation, it can serve a purpose.
I dont have issues with how people finance their cars, however i do have issues with people who have issues with how people finance their cars, and their views tend to be based on massive broad brush generalisations that dont stand up to any scrutiny.
Driver101 said:
When you get asked a simple question your only evidence contradicted your own point of view that you challenged me over.
My evidence didnt contradict my own point. I opposed your view that everyone who had finance was living hand to mouth, by saying that i believed those people did exist, but were in the minority.You asked me to show evidence of that. I did. And it showed that approx 10% of people fell in to that category. THAT is a minority.
Driver101 said:
Now I've asked a couple more simple questions you've gone into your shell, are being defensive and editing out questions from posts.
I have not in the least gone in to my shell. I am more than happy to answer any questions - which is more than be said for quite a few on here who have a broad brush negative view of finance.
MWM3 said:
PorkInsider said:
I struggle to understand why anyone responds.
He writes some bks intended to get people to bite and every time, without fail, people fall over themselves to reply.
Just ignore.
But it's so easy to call him out and better him, might as well have some fun and at least it gives him some attention, which he so desperately needs. At least it might stop him spiraling further into his depression. He writes some b
ks intended to get people to bite and every time, without fail, people fall over themselves to reply.Just ignore.
Driver101 said:
You're something else.
Ironically i did actually agree with you.daemon said:
Driver101 said:
Your life shouldn't be financed that tightly that you account for every penny every month.
Of course not. There are no doubt a minority out there who are. 
daemon said:
Driver101 said:
You've gone though this entire thread,and other finance threads on here, repeating the same things over and over. You've provided absolutely nothing to back up your opinion when you keep "challenging" others.
Yes, i'm adapting the "learning by repetition" approach that people use with small children - if i repeat it often enough, maybe the people its aimed at will actually at some point listenMy view is quite reconciled and i have no issues with it - to run a car over a specific timeframe, buying with cash isnt always best. It might well be, but not always. There are other options available to people, particularly leasing, where companies with access to massive manufacturer incentives are falling over themselves to provide the cheapest deals. These deals OFTEN - but not always - can cost less than buying the same car, suffering depreciation and reselling.
Leasing doesnt particularly work for me, as once you pile on options the figures might not stack up as well as you'd hope, and likewise due to my job role, my mileage can be all over the place, so its hard to commit to a set mileage over a set time.
I can see how leasing works for many, just as i can see how making a cash purchase works for many too.
There is this new view that leasing is bad for the global economy, however the people who are vocal about that, once the surface is scratched its usually fairly easy to see they've got a great big chip on their shoulder, rather than having a balanced view. Also if those same people are so concerned about the planet, you'd think they wouldnt be driving TVRs, etc, but there you go.
I dont accept that everyone who leases is living hand to mouth every month and i dont accept that leasing is the road to ruin. Like anything, used in moderation, it can serve a purpose.
I dont have issues with how people finance their cars, however i do have issues with people who have issues with how people finance their cars, and their views tend to be based on massive broad brush generalisations that dont stand up to any scrutiny.
Driver101 said:
When you get asked a simple question your only evidence contradicted your own point of view that you challenged me over.
My evidence didnt contradict my own point. I opposed your view that everyone who had finance was living hand to mouth, by saying that i believed those people did exist, but were in the minority.You asked me to show evidence of that. I did. And it showed that approx 10% of people fell in to that category. THAT is a minority.
Driver101 said:
Now I've asked a couple more simple questions you've gone into your shell, are being defensive and editing out questions from posts.
I have not in the least gone in to my shell. I am more than happy to answer any questions - which is more than be said for quite a few on here who have a broad brush negative view of finance.
BigLion said:
Genuine question, how on earth do you retain the motivation to write such a lengthy response? I seem to have a writing style in a couple of paragraphs, beyond that i (and often the reader) get bored
I've been waiting all day to unleash that. Cant really type much on my phone, but back on my lappy top keyboard now
daemon said:
Driver101 said:
You've gone though this entire thread,and other finance threads on here, repeating the same things over and over. You've provided absolutely nothing to back up your opinion when you keep "challenging" others.
Yes, i'm adapting the "learning by repetition" approach that people use with small children - if i repeat it often enough, maybe the people its aimed at will actually at some point listenThe best thing to do to educate people is to provide them with fact. So far you've just been "challenging" people. It appears you are a bit challenged yourself.
daemon said:
Driver101 said:
You're something else.
Ironically i did actually agree with you.daemon said:
Driver101 said:
Your life shouldn't be financed that tightly that you account for every penny every month.
Of course not. There are no doubt a minority out there who are. k me. I want an argument? You've got how many posts in this thread alone? Every time you get into a thread you just bite and relentlessly keep going like a broken record. It never matters that you are wrong or have a differing opinion you always want the last word.You appear to be more concerned with bumping your post count that you have for providing any factual or worthwhile substance in your posts.
I'll end my argument with you here. There's no point actually entering a debate with you.
Driver101 said:
The best thing to do to educate people is to provide them with fact. So far you've just been "challenging" people. It appears you are a bit challenged yourself.
I've been providing people with the facts that leasing can be cheaper than an outright cash purchase over a set timeframe.
Driver101 said:
fk me. I want an argument? You've got how many posts in this thread alone? Every time you get into a thread you just bite and relentlessly keep going like a broken record. It never matters that you are wrong or have a differing opinion you always want the last word.
You appear to be more concerned with bumping your post count that you have for providing any factual or worthwhile substance in your posts.
I'll end my argument with you here. There's no point actually entering a debate with you.
Most of us arent having an argument, we're having a debate.k me. I want an argument? You've got how many posts in this thread alone? Every time you get into a thread you just bite and relentlessly keep going like a broken record. It never matters that you are wrong or have a differing opinion you always want the last word.You appear to be more concerned with bumping your post count that you have for providing any factual or worthwhile substance in your posts.
I'll end my argument with you here. There's no point actually entering a debate with you.
Clearly you want an argument, given how wound up you've got yourself.
Sad really.
Edited by daemon on Wednesday 26th October 18:46
Spending it maxing out the overpayments and pension i.e. what this thread is trying to teach you more common folk. Just because you have x amount after bills it is not true disposable income. I will say this again slowly..... you should be thinking long term especially when young.
If you dont have a house then you shouldn't be thinking about buying a car over £25k.
It turns out my new tenants with the M4 are using dad as guarantor. Wheres the roll eyes smiley.
If you dont have a house then you shouldn't be thinking about buying a car over £25k.
It turns out my new tenants with the M4 are using dad as guarantor. Wheres the roll eyes smiley.
Edited by Audemars on Wednesday 26th October 18:42
daemon said:
Most of us arent having an argument, we're having a debate.
Clearly you want an argument, given how wound up you've got yourself.
Sad really.
I take it you suffer from Asperger syndrome?Clearly you want an argument, given how wound up you've got yourself.
Sad really.
It would help people understand you a bit better if they were aware.
I'll let you carry on.
Edited by Driver101 on Wednesday 26th October 18:54
Edited by Driver101 on Wednesday 26th October 19:02
Driver101 said:
daemon said:
Most of us arent having an argument, we're having a debate.
Clearly you want an argument, given how wound up you've got yourself.
Sad really.
I take is you suffer from Asperger syndrome?Clearly you want an argument, given how wound up you've got yourself.
Sad really.
It would help people understand you a bit better if they were aware.
I'll let you carry on.
Edited by Driver101 on Wednesday 26th October 18:54
Audemars said:
Spending it maxing out the overpayments and pension i.e. what this thread is trying to teach you more common folk. Just because you have x amount after bills it is not true disposable income. I will say this again slowly..... you should be thinking long term especially when young.
If you dont have a house then you shouldn't be thinking about buying a car over £25k.
You expect people to take life lessons or advice from someone that is obviously talking out of their anus?If you dont have a house then you shouldn't be thinking about buying a car over £25k.
Should be thinking long term? Not everyone wants to think longterm. Plenty of people don't reach pension age and you can't take it with you.
"Better to have a short life that is full of what you like doing than a long life spent in a miserable way" - Alan Watts.
Audemars said:
Spending it maxing out the overpayments and pension i.e. what this thread is trying to teach you more common folk. Just because you have x amount after bills it is not true disposable income. I will say this again slowly..... you should be thinking long term especially when young.
If you dont have a house then you shouldn't be thinking about buying a car over £25k.
I agree with the first sentence, but to me your second sentence indicates that you suffer from the English disease, i.e. an obsession with owning property, and a non-economic view towards the rewards of ownership.If you dont have a house then you shouldn't be thinking about buying a car over £25k.
Edited by Audemars on Wednesday 26th October 18:42
NickCQ said:
I agree with the first sentence, but to me your second sentence indicates that you suffer from the English disease, i.e. an obsession with owning property, and a non-economic view towards the rewards of ownership.
In other countries like Germany people are far less obsessed about owning their own home. However I think that there are greater protections in place for tenants in Germany.Audemars said:
Its hurts doesn't it when you realise you a living life like a commoner.
Cant take the truth as other have mentioned so resort to insults. Lol
Cant take the truth as other have mentioned so resort to insults. Lol
I've tried to hold back but here goes
You are I strongly suspect a rather psychologically damaged individual.
There may be a grain of truth to some of what you say about yourself.
You either are as financially successful as you say but deeply unhappy about other aspects of your life because you feel the need to not just repeatedly tell strangers about it but also mock them for not achieving to a similar level
Or .....
You are a strange kind of person who doesn't get much attention in real life, is as normal as the vast majority of the rest of us but through fantasy and anonymity can be somebody else, somebody you'd like to be but are unlikely ever to become
I don't really care which, If you are the first I don't want custard themed proof either, I just content myself knowing that the vast majority of people in life are happier in their own skins than you are.
Devil2575 said:
In other countries like Germany people are far less obsessed about owning their own home. However I think that there are greater protections in place for tenants in Germany.
Indeed. Another advantage of the German market is that a lot of rental resi property is owned by large listed REITs, so the whole business is professionalised. Compared to the UK where people have to put up with mostly small-scale (£100k - £10M property value) part-timers looking for pension income. The only comp in the U.K. is Grainger, which isn't really that similar. Gassing Station | General Gassing | Top of Page | What's New | My Stuff