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Motors Chat - Round 6

Alanstrainor

Continuation from motors chat round 5

1.This thread is for motoring topics which you feel are not worthy of starting a new thread for, banter from a meet or general motoring related chit chat.

2.No lonely hearts (This is not a personal dig at anyone, it's how we feel is the best way to describe what we want to avoid. )

3.Keep it clean.

4.The Motors charter applies.

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Supergurrier

Make sure and throw up a picture of your knob once its fitted.

Dia1988

Kopparberg Strawberry and Lime wrote: »

If your all familiar with the flash for cash scam while driving,

one happened there about an hour ago on griffith avenue, Dublin

What cars were involved?

Were there a gang in the car and was the car victim a woman?
I hear they prey on vulnerable women!

ba_barabus

New premium mats order for the 159 and a new chrome insert for the original gear knob.

Exciting times.

[Deleted User]

If your all familiar with the flash for cash scam while driving,

one happened there about an hour ago on griffith avenue, Dublin

toastedpickles

Noccy_Mondy wrote: »

Okay.... frame it or something, something to show the grandkids :pac:

Yeah :P he was like imagine the size of your wisdom teeth now compared to this, luckily mine are grand so they don't need to come out

Noccy_Mondy

toastedpickles wrote: »

I have it, got it back for some odd reason, but sure there you go

Okay.... frame it or something, something to show the grandkids :pac:

toastedpickles

Noccy_Mondy wrote: »

Hehehe. Did you look at the one he took out. The roots are massive!

I have it, got it back for some odd reason, but sure there you go

Noccy_Mondy

toastedpickles wrote: »

My jaw...she hurts damn dentist!!

Hehehe. Did you look at the one he took out. The roots are massive!

toastedpickles

My jaw...she hurts

damn dentist!!

Foxhole Norman

Just ran a car check on the 520i, all good bar this mileage problem, looks like they just entered the wrong data but just want to be sure:

Previous Readings Mileage Source
23/10/2012 210,824 Kms (131,000 Mls) INMR
19/09/2012 209,215 Kms (130,000 Mls) INMR
19/09/2006 78,189 Kms (48,584 Mls) INMR
11/07/2006 125,833 Kms (78,189 Mls) INMR

It looks like they just entered miles as the KM's.

Cleveland Hot Pocket

String wrote: »

But for example you loose your job, you then have zero savings, whereas if you have the loan, you can use the savings to cover the direct debits plus other stuff so hopefully you will be back in work before your savings run out. In my current situation, a 3 year car loan, my savings would cover it but I would expect to be back in work within a few months.

and if not? You're left with loan repayments, savings used, and nothing.
Can't always plan for the worst.

String

Cleveland Hot Pocket wrote: »

I disagree. As someone who had a 15k loan from the CU a year ago.

if you spend your savings and then set up a dd as "repayments" you will end up saving more than the loan total (cu is 9%+ interest rates)

But for example you loose your job, you then have zero savings, whereas if you have the loan, you can use the savings to cover the direct debits plus other stuff so hopefully you will be back in work before your savings run out. In my current situation, a 3 year car loan, my savings would cover it but I would expect to be back in work within a few months.

Foxhole Norman

jenizzle wrote: »

Smaller loans are also a good way to build credit history with a bank, to show you can always meet repayments etc.

I've always had a loan for my cars - nothing major, but I don't have the patience to save up to change car. Means I have savings then for the inevitable engine explosion 2 years down the line :pac:

That's my problem too, not patient enough to save, especially with other expensive hobbies. A loan would mean I'd have to save and it'd build my CR for when I leave college.

jenizzle

Smaller loans are also a good way to build credit history with a bank, to show you can always meet repayments etc.

I've always had a loan for my cars - nothing major, but I don't have the patience to save up to change car. Means I have savings then for the inevitable engine explosion 2 years down the line :pac:

Cleveland Hot Pocket

Supergurrier wrote: »

Alternatively.

While people here seem dead set against loans they are a great way to budget.

However 5k seems a bit extreme for a car sub 3k.

If getting a cu loan try and limit it to cost of car+ 6 months tax maybe and save for insurance between now and september.

You like cars.
You have a bit in the cu saved already which means worst case scenario you can clear loan halfway through if your circumstances change
You aren't paying rent
You said yourself you are not paying mad uni fees.
Your interests don't include pissing 100e against the wall at the weekend.
You will now be able to cart your big thick cork heads around in comfort and up hills
It will give you a goal(saving for insurance balance etc)

Plus you will leave uni with a successfully paid car loan and if you opt for it to be taken out of current account by DD ultimately an improved credit rating.

Personally if you keep the loan sub 4k and at a two year term its a no brainer.

Clearing out your CU savings would be silly IMO.

I disagree. As someone who had a 15k loan from the CU a year ago.

if you spend your savings and then set up a dd as "repayments" you will end up saving more than the loan total (cu is 9%+ interest rates)

Foxhole Norman

Old diesel wrote: »

What could you afford to buy/tax/insure today - WITHOUT a loan and without putting yourself under financial pressure???

It would be better to let (some of) your savings take the hit for these costs - and for what would have been loan repayments - to replenish your savings account.

Don't forget - there will be interest on top of the 5 k too :eek:

Right now? Nothing, but I will have in a few months and I have my heart set on an E39 and nothing else. To be honest it's really that I just want to finally see the back of the Yaris, it's grand like but it's load, not that comfortable, you feel every bump in the road and right now, not up to the load carrying ability that I need.

Supergurrier wrote: »

You will now be able to cart your big thick cork heads around in comfort and up hills

This is important :pac:

Supergurrier

Alternatively.

While people here seem dead set against loans they are a great way to budget.

However 5k seems a bit extreme for a car sub 3k.

If getting a cu loan try and limit it to cost of car+ 6 months tax maybe and save for insurance between now and september.

You like cars.
You have a bit in the cu saved already which means worst case scenario you can clear loan halfway through if your circumstances change
You aren't paying rent
You said yourself you are not paying mad uni fees.
Your interests don't include pissing 100e against the wall at the weekend.
You will now be able to cart your big thick cork heads around in comfort and up hills
It will give you a goal(saving for insurance balance etc)

Plus you will leave uni with a successfully paid car loan and if you opt for it to be taken out of current account by DD ultimately an improved credit rating.

Personally if you keep the loan sub 4k and at a two year term its a no brainer.

Clearing out your CU savings would be silly IMO.

Old diesel

Foxhole Norman wrote: »

I think I'm going to go for a CU loan for the new car, what do people think? I was thinking about trying for 5K as that would cover initial purchase price, tax and insurance for the year along with a little left over for repairs/problems.

What could you afford to buy/tax/insure today - WITHOUT a loan and without putting yourself under financial pressure???

It would be better to let (some of) your savings take the hit for these costs - and for what would have been loan repayments - to replenish your savings account.

Don't forget - there will be interest on top of the 5 k too :eek:

Toyotafanboi

Ardennes1944 wrote: »

Why the hell dont people keep their receipts like! "Is the timing belt done? It is yeah it was done at 63k miles. Do you have the receipt for it? No I don't.
Well thats no fcuking good to me so! If they are telli the truth why oh why would you not keep the receipt even for parts for something that costs like 400e

i will say this. some people are just thick.

my dad is a retired mechanic and maintains his car himself. he's had it 4 years, serviced it every year way before the mileage is up, bought tyres, bushings, and just recently a full timing belt kit.

every year i tell him just to slip the parts receipts into the front page of his owners manual as he will never know when he might want them. "ah sure what would i ever want them for" :rolleyes: even after explaining it he still doesn't really get it. he's more accustomed to an ireland where people don't understand or care about cars and buy them because its black and has cheap tax.

i guess what i'm saying is, it could well be genuine. but i still wouldn't trust it :P

Ardennes1944

Why the hell dont people keep their receipts like! "Is the timing belt done? It is yeah it was done at 63k miles. Do you have the receipt for it? No I don't.
Well thats no fcuking good to me so! If they are telli the truth why oh why would you not keep the receipt even for parts for something that costs like 400e

Toyotafanboi

i will echo what others have said. i took out a €4k personal loan to buy a car at age 18. never EVER again. ever.
the loan is still there long after the car is gone, i couldn't pay mine off fast enough, paid it back a year early i wanted rid of it so bad.
from here on out, i will only drive cars i can afford to buy outright, it's just so much more financially comfortable.

Kaiser D

Also, I meant to say, I met geogrefalls with his GT today, seriously clean car!! Really lovely.

Supergurrier

Buy a horse bai

toastedpickles

Foxhole Norman wrote: »

I'm working for this one

Well then :P but yeah that's my view on it

Foxhole Norman

toastedpickles wrote: »

Some of us had to work for our cars :P

I'm working for this one

toastedpickles

Foxhole Norman wrote: »

Yeah I'm going to have a sit down and discuss it with the parents and see what the story is, another option is to take a loan from my parents where there's no repayment time :pac:

Some of us had to work for our cars :P

Foxhole Norman

toastedpickles wrote: »

Well as i said, do the sums, if it seems ok, then go for it but just be prepared for any unforeseen issues

Yeah I'm going to have a sit down and discuss it with the parents and see what the story is, another option is to take a loan from my parents where there's no repayment time :pac:

toastedpickles

Foxhole Norman wrote: »

That would work out around €35 a week for me. I typically earn minimum €140 a week and with little drinking and no smoking leaves (I think anyway) a decent bit.

Well as i said, do the sums, if it seems ok, then go for it

but just be prepared for any unforeseen issues

[Deleted User]

Foxhole Norman wrote: »

That would work out around €35 a week for me. I typically earn minimum €140 a week and with little drinking and no smoking leaves (I think anyway) a decent bit.

What leaves were you smoking??

Foxhole Norman

YbFocus wrote: »

€5510 by my calcs over 3 years but I could be wrong also.

That would work out around €35 a week for me. I typically earn minimum €140 a week and with little drinking and no smoking leaves (I think anyway) a decent bit.