Car Snobs - I Despise Them
Discussion
av185 said:
Ahbefive said:
By your reasoning you must have bought your house with cash, otherwise it's a sure sign that you really can't afford it.
I agree.I did.
RobM77 said:
investments can return a much higher percentage than you pay on the loan for the car, so it makes more financial sense to finance the car rather than pay cash.
.
That is true, investment returns CAN be higher but not always. You could take the view with the financial markets at an all time high atm and USA interest rate spike likely now would be a good time to cash in and buy cars or other assets instead of financing..
av185 said:
Ahbefive said:
By your reasoning you must have bought your house with cash, otherwise it's a sure sign that you really can't afford it.
I agree.I did.
Unfortunately that doesn't mean your point stands, finance can be used for all sorts of reasons, multi millionaires often use it too.
av185 said:
RobM77 said:
investments can return a much higher percentage than you pay on the loan for the car, so it makes more financial sense to finance the car rather than pay cash.
.
That is true, investment returns CAN be higher but not always. You could take the view with the financial markets at an all time high atm and USA interest rate spike likely now would be a good time to cash in and buy cars or other assets instead of financing..
RobM77 said:
buying a car on finance doesn't always mean someone can't afford it.
Agree but it would be interesting to know how many actually can truly afford it as oppose to the apparent majority who simply want the latest 'shiny bauble' in a vain attempt to impress their equally shallow neighbours with their ubiquitous tdi on the drive.As you know many threads discuss this but imo the overstretched pcp thing could well be the next 2008 financial crisis brewing a crisis in part at least brought about by principally car snobs in a vain attempt to have a car with which to impress the neighbours which is essentially above their means.
Roll on the next Freddie May and Fanny Mac lol!
Gary C said:
Gaspowered said:
TooMany2cvs said:
smashy said:
2 sMoKiN bArReLs said:
I drove this when I was 18.
Look on the bright side
We had a very nice HB Viva when I was a kid. Don't know what it started out as but my dad converted it to a 4/108 diesel with an Eight Speed Overdrive box. Went pretty well for it's time (RCV 267 G)Look on the bright side
As others have said, enjoy what you have. My first car was a reasonably average 1.0 petrol thing. Did the job, but I enjoyed it. Nowadays my fleet consists of an old Landie and a diesel Citroen. Shortly about to add a Rover 75 estate to the line up. Not PH cars and I find it amusing, I'm mid 20's yet for some reason I'm more interested in an old Rover than some of the cars my mates have - M140i, A45, Golf GTI, M2 etc. I find it comical anyway, and I still enjoy my cars, regardless of what others have keys to.
Interesting thread. The reality is that the so called 'snobs' in my experience are generally up to their eyes in debt with cars (leased or HP), credit cards, mortgage etc just to maintain their 'image'. That is not snobbery just financial Irresponsibility, and It does not take much for it to all come crashing down. Imagine if interest rates went up by a few percent (could soon happen) all these people will be totally f****d. If you drive a car you own (which is rare these days) you can always say to the snobs 'well at least I actually own it and I'm not in debt'.
RobM77 said:
av185 said:
Not paying cash for your cars is a sure sign you cannot really afford them.
? I'm not sure I follow your logic there. When buying a new car, there are many reasons why someone may choose finance. The most common one is that if you have a lot of savings, investments can return a much higher percentage than you pay on the loan for the car, so it makes more financial sense to finance the car rather than pay cash.Just to stop you guessing, I buy my cars secondhand with cash, so I'm not being defensive, I'm just pointing out that your statement is untrue.
A lot of people lease because it gets their credit rating up, which is useful when applying for a home loan. They've got the cash to buy a Fiesta outright but are saving that for a house deposit. Others lease simply because they don't want the hassle and like to chop and change cars a lot. If they can afford it, I've no issue with it.
anonymous said:
[redacted]
Yes and if every man and his dog 'hangs himself' simply in the name of snobbery and a vain attempt to keep up/ impress the Jones next door 
to 'own' the latest but increasingly ubiquitous poverty spec white tdi this is a recipe for pcp economic disaster facing the UK. And the cracks are already beginning to show.
And all largely driven by the snobby mentality affecting the UK together with in part a sense of entitlement in living beyond their means.
What is laughable imo this has largely been created by the meteoric rise in popularity by way of relatively low 'monthlies' thus affordability to generation rent on the previously so called 'premium brands'
(Audi Merc Bmw) which imo have for quite some time been anything but premium (further evidenced by Audi recently being being of the most unreliable cars fwiw) and basically provide little more than white goods mainstream cars such as Ford or Vauxhall. But this is a triumph of marketing over substance imo appealing to the snobbishness of the typical UK punter..... even more so than Apple.All it takes of course is a hike in interest rates and cue the next financial crisis.
IJB1959 said:
Interesting thread. The reality is that the so called 'snobs' in my experience are generally up to their eyes in debt with cars (leased or HP), credit cards, mortgage etc just to maintain their 'image'. That is not snobbery just financial Irresponsibility, and It does not take much for it to all come crashing down. Imagine if interest rates went up by a few percent (could soon happen) all these people will be totally f****d. If you drive a car you own (which is rare these days) you can always say to the snobs 'well at least I actually own it and I'm not in debt'.
Wow, tarring a lot of people with that tired old brush there. In my experience they are people who just want a "nice car" without hassle 
Just because someone is driving around in a nice car that may or may not be leased/financed what on earth makes the OP think they are "looking down on him"? It just sounds like jealousy to me? If someone drives past me in a nice car, I think "nice car" not "look at that prick looking down at me because he's in a better car"
IJB1959 said:
Interesting thread. The reality is that the so called 'snobs' in my experience are generally up to their eyes in debt with cars (leased or HP), credit cards, mortgage etc just to maintain their 'image'. That is not snobbery just financial Irresponsibility, and It does not take much for it to all come crashing down. Imagine if interest rates went up by a few percent (could soon happen) all these people will be totally f****d. If you drive a car you own (which is rare these days) you can always say to the snobs 'well at least I actually own it and I'm not in debt'.
I don't think so. Majority of these people I think are in relatively secure average paying jobs and paying out of what they have been brainwashed into thinking of as 'disposable income' i.e. Just not saving and if no inheritance down the line, will struggle to buy a home later.It would be losing the job and not getting another quickish that would sink them rather than the expected soft and gradual interest rates rise.
TarpaTow said:
It probably isn't that people look down on you just because you have a Ford, and a little Fiesta at that. Having started with a Peugeot but always wanted to be in a BM it's just that when you're in a proper quality ultimate driving machine you just know that other drivers are looking enviously at you.
It's a great feeling when I'm in the BM and I just know that people are looking at me and know how successful I've been, even the ones who deliberately look the other way.
Having a great car really impresses on others the calibre of person they're dealing with, people that are successful in closing deals, have great taste and the financial ability to get behind the wheel of a status symbol. Why do you think Presidents etc are driven around in big limousines like 7-series BMs and not little Fiestas or Aygos etc.
I wouldn't necessarily look down on you in your car but I suppose the fact that I was in a BM might mean you were subconsciously looking up to me and that's understandable but it's only because you recognise the messages that a BM delivers.
Anyway, once you're a bit older and in your 20s like me you'll be able to get into a decent car and won't feel quite so bad.
If you speak to one of your local BM sales executives now, they'll be able to start working with you in a personal relationship manager type of way to get you into a better car as you get a bit older.
Just calling your Fiesta a ST170 doesn't really get away from the fact that it's a Ford, not a BM or Maserati but I suppose might make you feel better. Don't worry about that, I used to refer to my second Peugeot as a 206CC as I had the drop top sports and Peugeot wouldn't make the right impression in conversation.
And girls would be more impressed if you said you drove a BM than an ST.
I'm sorry but you really have no idea...... You talk like a certain infamous forum poster known as DarkMatter, who became a total laughing stock on several forums a few years ago.It's a great feeling when I'm in the BM and I just know that people are looking at me and know how successful I've been, even the ones who deliberately look the other way.
Having a great car really impresses on others the calibre of person they're dealing with, people that are successful in closing deals, have great taste and the financial ability to get behind the wheel of a status symbol. Why do you think Presidents etc are driven around in big limousines like 7-series BMs and not little Fiestas or Aygos etc.
I wouldn't necessarily look down on you in your car but I suppose the fact that I was in a BM might mean you were subconsciously looking up to me and that's understandable but it's only because you recognise the messages that a BM delivers.
Anyway, once you're a bit older and in your 20s like me you'll be able to get into a decent car and won't feel quite so bad.
If you speak to one of your local BM sales executives now, they'll be able to start working with you in a personal relationship manager type of way to get you into a better car as you get a bit older.
Just calling your Fiesta a ST170 doesn't really get away from the fact that it's a Ford, not a BM or Maserati but I suppose might make you feel better. Don't worry about that, I used to refer to my second Peugeot as a 206CC as I had the drop top sports and Peugeot wouldn't make the right impression in conversation.
And girls would be more impressed if you said you drove a BM than an ST.
I can't honestly say i've ever thought this way, but I imagine most people grow out of it when life smacks them in the face.
lyonspride said:
TarpaTow said:
It probably isn't that people look down on you just because you have a Ford, and a little Fiesta at that. Having started with a Peugeot but always wanted to be in a BM it's just that when you're in a proper quality ultimate driving machine you just know that other drivers are looking enviously at you.
It's a great feeling when I'm in the BM and I just know that people are looking at me and know how successful I've been, even the ones who deliberately look the other way.
Having a great car really impresses on others the calibre of person they're dealing with, people that are successful in closing deals, have great taste and the financial ability to get behind the wheel of a status symbol. Why do you think Presidents etc are driven around in big limousines like 7-series BMs and not little Fiestas or Aygos etc.
I wouldn't necessarily look down on you in your car but I suppose the fact that I was in a BM might mean you were subconsciously looking up to me and that's understandable but it's only because you recognise the messages that a BM delivers.
Anyway, once you're a bit older and in your 20s like me you'll be able to get into a decent car and won't feel quite so bad.
If you speak to one of your local BM sales executives now, they'll be able to start working with you in a personal relationship manager type of way to get you into a better car as you get a bit older.
Just calling your Fiesta a ST170 doesn't really get away from the fact that it's a Ford, not a BM or Maserati but I suppose might make you feel better. Don't worry about that, I used to refer to my second Peugeot as a 206CC as I had the drop top sports and Peugeot wouldn't make the right impression in conversation.
And girls would be more impressed if you said you drove a BM than an ST.
I'm sorry but you really have no idea...... You talk like a certain infamous forum poster known as DarkMatter, who became a total laughing stock on several forums a few years ago.It's a great feeling when I'm in the BM and I just know that people are looking at me and know how successful I've been, even the ones who deliberately look the other way.
Having a great car really impresses on others the calibre of person they're dealing with, people that are successful in closing deals, have great taste and the financial ability to get behind the wheel of a status symbol. Why do you think Presidents etc are driven around in big limousines like 7-series BMs and not little Fiestas or Aygos etc.
I wouldn't necessarily look down on you in your car but I suppose the fact that I was in a BM might mean you were subconsciously looking up to me and that's understandable but it's only because you recognise the messages that a BM delivers.
Anyway, once you're a bit older and in your 20s like me you'll be able to get into a decent car and won't feel quite so bad.
If you speak to one of your local BM sales executives now, they'll be able to start working with you in a personal relationship manager type of way to get you into a better car as you get a bit older.
Just calling your Fiesta a ST170 doesn't really get away from the fact that it's a Ford, not a BM or Maserati but I suppose might make you feel better. Don't worry about that, I used to refer to my second Peugeot as a 206CC as I had the drop top sports and Peugeot wouldn't make the right impression in conversation.
And girls would be more impressed if you said you drove a BM than an ST.
I can't honestly say i've ever thought this way, but I imagine most people grow out of it when life smacks them in the face.
Looks like it's time for another of these
Why does every anti-lease post seem bitter?
seriously - who gives a flying f
k how people are funding their cars? Its up to them right?
'it puts cars in the reach of others that wouldn't normally be able to afford them' - so fking what?
'21 year olds shouldn't have access to those powerful cars" - really? last time i checked you can get a 500bhp 200mph v10 M5 for about £15k, not to mention the shed-load of £3k Subarus pushing out 300+bhp
Makes a nice change from them screaming around in their redtop converted 'still 1.2 on the logbook' Corsas.
'my neighbor/friend has a nice car that he ordinarily wouldn't be able to afford' - be fking happy for them you miserable dinosaur.
Can we knock this recycled bks on the head now? Please?
seriously - who gives a flying f
k how people are funding their cars? Its up to them right? 'it puts cars in the reach of others that wouldn't normally be able to afford them' - so f
king what?'21 year olds shouldn't have access to those powerful cars" - really? last time i checked you can get a 500bhp 200mph v10 M5 for about £15k, not to mention the shed-load of £3k Subarus pushing out 300+bhp
Makes a nice change from them screaming around in their redtop converted 'still 1.2 on the logbook' Corsas.
'my neighbor/friend has a nice car that he ordinarily wouldn't be able to afford' - be f
king happy for them you miserable dinosaur. Can we knock this recycled b
ks on the head now? Please?hyphen said:
IJB1959 said:
Interesting thread. The reality is that the so called 'snobs' in my experience are generally up to their eyes in debt with cars (leased or HP), credit cards, mortgage etc just to maintain their 'image'. That is not snobbery just financial Irresponsibility, and It does not take much for it to all come crashing down. Imagine if interest rates went up by a few percent (could soon happen) all these people will be totally f****d. If you drive a car you own (which is rare these days) you can always say to the snobs 'well at least I actually own it and I'm not in debt'.
I don't think so. Majority of these people I think are in relatively secure average paying jobs and paying out of what they have been brainwashed into thinking of as 'disposable income' i.e. Just not saving and if no inheritance down the line, will struggle to buy a home later.It would be losing the job and not getting another quickish that would sink them rather than the expected soft and gradual interest rates rise.
av185 said:
Agree but it would be interesting to know how many actually can truly afford it as oppose to the apparent majority who simply want the latest 'shiny bauble' in a vain attempt to impress their equally shallow neighbours with their ubiquitous tdi on the drive.
As you know many threads discuss this but imo the overstretched pcp thing could well be the next 2008 financial crisis brewing a crisis in part at least brought about by principally car snobs in a vain attempt to have a car with which to impress the neighbours which is essentially above their means.
Roll on the next Freddie May and Fanny Mac lol!
Rather than speculating you can actually find out and your statement will be proved to be inaccurate, most unsecured lending is by those with good credit scores and no mortgage As you know many threads discuss this but imo the overstretched pcp thing could well be the next 2008 financial crisis brewing a crisis in part at least brought about by principally car snobs in a vain attempt to have a car with which to impress the neighbours which is essentially above their means.
Roll on the next Freddie May and Fanny Mac lol!
https://uk.reuters.com/article/uk-britain-boe-cons...
PixelpeepS3 said:
Why does every anti-lease post seem bitter?
seriously - who gives a flying fk how people are funding their cars? Its up to them right?
'it puts cars in the reach of others that wouldn't normally be able to afford them' - so fking what?
'21 year olds shouldn't have access to those powerful cars" - really? last time i checked you can get a 500bhp 200mph v10 M5 for about £15k, not to mention the shed-load of £3k Subarus pushing out 300+bhp
Makes a nice change from them screaming around in their redtop converted 'still 1.2 on the logbook' Corsas.
'my neighbor/friend has a nice car that he ordinarily wouldn't be able to afford' - be fking happy for them you miserable dinosaur.
Can we knock this recycled bks on the head now? Please?
Yes, I totally agree providing you can really afford it.seriously - who gives a flying f
k how people are funding their cars? Its up to them right? 'it puts cars in the reach of others that wouldn't normally be able to afford them' - so f
king what?'21 year olds shouldn't have access to those powerful cars" - really? last time i checked you can get a 500bhp 200mph v10 M5 for about £15k, not to mention the shed-load of £3k Subarus pushing out 300+bhp
Makes a nice change from them screaming around in their redtop converted 'still 1.2 on the logbook' Corsas.
'my neighbor/friend has a nice car that he ordinarily wouldn't be able to afford' - be f
king happy for them you miserable dinosaur. Can we knock this recycled b
ks on the head now? Please?Gassing Station | General Gassing | Top of Page | What's New | My Stuff