One single thing that makes you think "knob" Vol 4
Discussion
Olas said:
Making assumptions and/or jumping to conclusions is even more annoying than the fleets of rented cars blocking up our roads.
What’s your problem with rented or leased vehicles?I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
markyb_lcy said:
Olas said:
Making assumptions and/or jumping to conclusions is even more annoying than the fleets of rented cars blocking up our roads.
What’s your problem with rented or leased vehicles?I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
markyb_lcy said:
What’s your problem with rented or leased vehicles?
I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
In the past I used loans and credit cards as a means to artificially boost credit ratings. Mortgage has been and gone and I haven’t borrowed anything since it was paid off in the mid-80s.I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
After clearing the mortgage I have endeavoured to limit my daily/weekly/monthly costs to no more than half of my income over
the same period.
Consequently I have been accumulating more and more cash, constantly, since mid-86.
Renting is a waste of money because there is no asset to show for the expenditure.
Do you rent your watch? Do you rent your underpants? Most of us buy what we want, we don’t rent things.
Olas said:
markyb_lcy said:
What’s your problem with rented or leased vehicles?
I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
In the past I used loans and credit cards as a means to artificially boost credit ratings. Mortgage has been and gone and I haven’t borrowed anything since it was paid off in the mid-80s.I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
After clearing the mortgage I have endeavoured to limit my daily/weekly/monthly costs to no more than half of my income over
the same period.
Consequently I have been accumulating more and more cash, constantly, since mid-86.
Renting is a waste of money because there is no asset to show for the expenditure.
Do you rent your watch? Do you rent your underpants? Most of us buy what we want, we don’t rent things.
As for renting, why do you care what others do? People rent all sorts of items. The point is that you can use it for a short time and return it.
Lots of people who live in cities rent a car for the weekends that they need them. Are you saying that someone who uses a car 3 or 4 times a year should instead own one and pay for all the extras that entails?
I get that you’ve made your life choices and stand by them. If you want people to respect that, it might be an idea to extend that basic decency to others?
Olas said:
markyb_lcy said:
What’s your problem with rented or leased vehicles?
I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
In the past I used loans and credit cards as a means to artificially boost credit ratings. Mortgage has been and gone and I haven’t borrowed anything since it was paid off in the mid-80s.I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
After clearing the mortgage I have endeavoured to limit my daily/weekly/monthly costs to no more than half of my income over
the same period.
Consequently I have been accumulating more and more cash, constantly, since mid-86.
Renting is a waste of money because there is no asset to show for the expenditure.
Do you rent your watch? Do you rent your underpants? Most of us buy what we want, we don’t rent things.
People that go for the cheapest PCP deal possible JUST so they can say they own a [insert car brand here] and stretch themselves financially, then yeah, bit of a knob.
Europa1 said:
Fermit and Sexy Sarah said:
The knobs that got the Phillip Schofield thread locked down. Only being interested in if he is gay, bi, and spouting slurs and insulting terms. Good work 
I did wonder what had happened to it.Edited by InitialDave on Saturday 8th February 22:50
Olas said:
In the past I used loans and credit cards as a means to artificially boost credit ratings. Mortgage has been and gone and I haven’t borrowed anything since it was paid off in the mid-80s.
After clearing the mortgage I have endeavoured to limit my daily/weekly/monthly costs to no more than half of my income over
the same period.
Consequently I have been accumulating more and more cash, constantly, since mid-86.
Renting is a waste of money because there is no asset to show for the expenditure.
Do you rent your watch? Do you rent your underpants? Most of us buy what we want, we don’t rent things.
Absolutely, cars are for those who bought a house 50 years ago and haven't moved since. Young folk and other riff raff have no business driving.After clearing the mortgage I have endeavoured to limit my daily/weekly/monthly costs to no more than half of my income over
the same period.
Consequently I have been accumulating more and more cash, constantly, since mid-86.
Renting is a waste of money because there is no asset to show for the expenditure.
Do you rent your watch? Do you rent your underpants? Most of us buy what we want, we don’t rent things.
That said I'm surprised you can see to drive through that much entitlement.
Olas said:
In the past I used loans and credit cards as a means to artificially boost credit ratings. Mortgage has been and gone and I haven’t borrowed anything since it was paid off in the mid-80s.
After clearing the mortgage I have endeavoured to limit my daily/weekly/monthly costs to no more than half of my income over
the same period.
Consequently I have been accumulating more and more cash, constantly, since mid-86.
Renting is a waste of money because there is no asset to show for the expenditure.
Do you rent your watch? Do you rent your underpants? Most of us buy what we want, we don’t rent things.
How you got to where you are now, bears no resemblance, to how young people can afford to live nowadays. Many can not afford a mortgage either because the deposit is so high or the criteria set by the mortgage companies. After clearing the mortgage I have endeavoured to limit my daily/weekly/monthly costs to no more than half of my income over
the same period.
Consequently I have been accumulating more and more cash, constantly, since mid-86.
Renting is a waste of money because there is no asset to show for the expenditure.
Do you rent your watch? Do you rent your underpants? Most of us buy what we want, we don’t rent things.
Renting may be the only option for them. Apart from Council houses private renting when I got our first mortgage was almost unheard of. (outside of London)
The underpants and the watch comment are just stupid. (to be honest the rest of the post isn't much better)
Woman reversing her Nissan Juke across a fairly busy main road (Bird Hall Lane in Cheadle Heath), I was overtaking a cyclist but abandoned as she was reversing from our right, without looking and we werent sure where she was planning on going. I slowed down, the cyclist slowed and I had got to a point that was fairly close and potentially in her trajectory so as she wasnt looking I gave her a brief, single beep of the horn which I believe is actually what the horn is for.
She s
t herself and she turned and glowered at me whilst mouthing obscenities and gesturing, I dont think she was actually going to reverse right across the road, but neither I nor the cyclist knew that, suspect she was just manoeuvring her car onto the pavement to park.
She wound her window down to make her rant clearer, this is the point at which the driver of the 368 bus coming the other way had seen enough and blew his horn and she visibly jumped in her seat and then decided to get back on with parking.
She s
t herself and she turned and glowered at me whilst mouthing obscenities and gesturing, I dont think she was actually going to reverse right across the road, but neither I nor the cyclist knew that, suspect she was just manoeuvring her car onto the pavement to park.She wound her window down to make her rant clearer, this is the point at which the driver of the 368 bus coming the other way had seen enough and blew his horn and she visibly jumped in her seat and then decided to get back on with parking.
J4CKO said:
Woman reversing her Nissan Juke across a fairly busy main road (Bird Hall Lane in Cheadle Heath), I was overtaking a cyclist but abandoned as she was reversing from our right, without looking and we werent sure where she was planning on going. I slowed down, the cyclist slowed and I had got to a point that was fairly close and potentially in her trajectory so as she wasnt looking I gave her a brief, single beep of the horn which I believe is actually what the horn is for.
She st herself and she turned and glowered at me whilst mouthing obscenities and gesturing, I dont think she was actually going to reverse right across the road, but neither I nor the cyclist knew that, suspect she was just manoeuvring her car onto the pavement to park.
She wound her window down to make her rant clearer, this is the point at which the driver of the 368 bus coming the other way had seen enough and blew his horn and she visibly jumped in her seat and then decided to get back on with parking.
It’s quite worrying how the horn often used in this country for its correct purpose can lead you into a situation where one must face a torrent of verbal abuse or, one worries, even worse.She s
t herself and she turned and glowered at me whilst mouthing obscenities and gesturing, I dont think she was actually going to reverse right across the road, but neither I nor the cyclist knew that, suspect she was just manoeuvring her car onto the pavement to park.She wound her window down to make her rant clearer, this is the point at which the driver of the 368 bus coming the other way had seen enough and blew his horn and she visibly jumped in her seat and then decided to get back on with parking.
If I was reversing in such a situation, and I heard a horn, it would be clear to me that I’m potentially being warned about a developing situation in which I might be a factor and I would stop and make observations.
It’s a shame that for a lot of people they’re making observations as to where to direct their abuse.
What a sorry state of affairs.
Olas said:
markyb_lcy said:
What’s your problem with rented or leased vehicles?
I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
In the past I used loans and credit cards as a means to artificially boost credit ratings. Mortgage has been and gone and I haven’t borrowed anything since it was paid off in the mid-80s.I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
After clearing the mortgage I have endeavoured to limit my daily/weekly/monthly costs to no more than half of my income over
the same period.
Consequently I have been accumulating more and more cash, constantly, since mid-86.
Renting is a waste of money because there is no asset to show for the expenditure.
Do you rent your watch? Do you rent your underpants? Most of us buy what we want, we don’t rent things.
There is a school of thought that you are a long time dead, may as well have fun, nice things and not worry about what everyone else is doing.
I dont owe anyone a penny either, but I may borrow a few quid later in the year and splurge on something nice as I go into my 50th year, as I can afford to pay it back and I wont live forever. I may end up incapacitated or unable to drive, a mate of mine died of a brain tumour at 50.
But, look forward to being the highest roller in the nursing home, well, until the government grabs it or your family gets it, then pisses it up the wall.
Olas said:
markyb_lcy said:
What’s your problem with rented or leased vehicles?
I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
In the past I used loans and credit cards as a means to artificially boost credit ratings. Mortgage has been and gone and I haven’t borrowed anything since it was paid off in the mid-80s.I take it you don’t have a credit card, never had a loan for anything and if you do own a house you purchased it outright?
After clearing the mortgage I have endeavoured to limit my daily/weekly/monthly costs to no more than half of my income over
the same period.
Consequently I have been accumulating more and more cash, constantly, since mid-86.
Renting is a waste of money because there is no asset to show for the expenditure.
Do you rent your watch? Do you rent your underpants? Most of us buy what we want, we don’t rent things.
k that means. Leasing cars used to be niche, and now it's very popular as people realise that owning a vehicle gives them nothing of value over and above leasing, and because of the way manufacturer support works, you can often pay far less over the term of the lease than the depreciation, if you really know how to work it out. If you don't, and you know nothing about money at all, then you uphold the "owning is always best" bullst because it's requires no intelligent critical thinking, and thinking is a bit hard for knuckle draggers who inherit all their opinions from their parents. Pan Pan Pan said:
For myself, I have inherited some very valuable (to me at least) opinions from my parents which have put me in good stead for life's little problems. Like in so many things, the intelligence comes in, in being able to sort out the good opinions from the not so good.
and how do you do that? Logic and evidence, intelligence, critical thinking, bit of sense thrown in... the "if you can't afford it cash you can't afford it" and "owning is always best" crowd tend not to be strong on those points, because they never actually qualify their opinions. Blown2CV said:
Renting is not a waste of money as the point is you pay for the utility of the vehicle without owning a heavily depreciating asset under the deluded stupidity of requiring something "to show" for it, whatever the fk that means. Leasing cars used to be niche, and now it's very popular as people realise that owning a vehicle gives them nothing of value over and above leasing, and because of the way manufacturer support works, you can often pay far less over the term of the lease than the depreciation, if you really know how to work it out. If you don't, and you know nothing about money at all, then you uphold the "owning is always best" bullst because it's requires no intelligent critical thinking, and thinking is a bit hard for knuckle draggers who inherit all their opinions from their parents.
I’ve done a mixture of things when buying cars. Owned outright, PCP and now a lease. Whichever way you do it obtaining a new car is with a few exceptions a terrible decision financially. We all know that the worst depreciation occurs in the first couple of years. Personally I don’t care about that so when working out how I’m going to finance my next new car I go with whatever option appears the cheapest. I leased my RRS because to PCP would have cost £300pcm more and there’s no way I would have got that back out of it at the end. I didn’t buy cash because quite honestly I didn’t and still don’t have £78k kicking around and if I did I wouldn’t be sinking it into a Range Rover that’s going to lose £30k+ over 3 years, I’d be investing it in something that had a chance of increasing in value. I believe it’s called opportunity cost? So I leased it. I know exactly what it’s going to cost me and if (when) it breaks it’s not my problem.k that means. Leasing cars used to be niche, and now it's very popular as people realise that owning a vehicle gives them nothing of value over and above leasing, and because of the way manufacturer support works, you can often pay far less over the term of the lease than the depreciation, if you really know how to work it out. If you don't, and you know nothing about money at all, then you uphold the "owning is always best" bullst because it's requires no intelligent critical thinking, and thinking is a bit hard for knuckle draggers who inherit all their opinions from their parents. TLDR: I like shiny new things and renting them is sometimes the cheapest way of obtaining them.
I prefer to own my cars, but I realise that doesn’t work for everyone. That’s fine, I’m all for choice and I understand everyone has different situations and options.
What I don’t understand is when people make their own choice and look down upon anyone else who doesn’t choose the same path.
Live and let live, innit?!
What I don’t understand is when people make their own choice and look down upon anyone else who doesn’t choose the same path.
Live and let live, innit?!
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