Jump to content

rabbitstew

Moderators
  • Posts

    4,960
  • Joined

  • Last visited

Everything posted by rabbitstew

  1. Sounds like a good warranty you have. When I asked about some work I wanted under warranty they said anything which was regarded a service item - like suspension, belts, brakes etc.. were not covered, and anything to do with the bodywork (which included the soft top) was not covered! Whats up with roof?
  2. I'm sure that cruising at low speeds in a high gear (40mph in 6th) actually uses more fuel, may be wrong Surely its down to the RPM? so if your doing 1500rpm which is about 40 in 6th your using less fuel than if you were in 2nd gear at 40mph which is a higher RPM? I may be wrong?
  3. She certainly likes sitting on cars!
  4. As a biker I can safely say this guy is some sort of idiot. Firstly, theres a difference between riding or driving fast and driving dangerously - he is riding like a muppet in the clip there. Secondly, someone needs to teach him out to wheelie properly, he keeps trying to clutch it up in 2nd gear without any success. And finally... why video it and why upload it to youtube? Back "in the day" me & my mates did silly things on motorbikes, but we never endangered anyone other than ourselves. Its one thing having a fast ride out on a back road, but its another being silly in a built up area and putting other drivers at risk.
  5. Out of interest, who did you speak to at Nissan to get the photos? I wonder if they have any of my car as it was also used as one of the LUST cars, but in 2007!
  6. Mine originally was registered as L66UST by Nissan and also used for publicity shots etc... like the one I found on the internet of my car in my signature below!
  7. Nice one!!!!!! Congratulations!!!!! As others have said, watch the probation period before you celebrate too much!
  8. Less than 5 grand for a zed?! My god...
  9. Plan at the moment is to spend no more than £2k to get a economical car for the commute and use the Zed at the weekends. If I get the job then I will have the car ready for the drives - and until then I'll probably only have to fill it up once a month with my current commute. As for renting vs buying - I really don't want to rent, it feels like throwing money down the drin and will just make it harder when saving to buy somewhere. Renting..... well you either pay (for example) £500 a month to rent somewhere, or £500 a month in interest to line a banks greedy palms for your mortgage. Then, with property prices falling, i know people whose houses have dropped by 25% this last year alone, so on a 150k house thats £37500 you have just thrown away over 12 months. Of course, people say that over the long term property goes up in value... and it does.. but it would have to go up by a hell of a lot to give you a better return over what you are paying in interest on the mortgage. I'm sorry but that's utter rubbish. A £500 a month mortgage is not £500 of interest. A certain % is capital unless your on interest only. Even if a property loses 25%, it's only relevant when you sell. If you sell in 10 years times, it's value 9 years before that is wholly irrelevant. House prices are not like car depreciation; they actually go both ways If someone rents for ten years, thats 120 rent payments (120 x £500 = £60,000) down the drain. A 100% waste of money. There is no return on that money. If you bought a place, yes a % is interest but you may have paid off £25,000 or so and the property may have risen £20,000, thats £45,000 of accessible equity that you have. Even if the house price was the same as when you bought it, you could sell up and get £25k back. What would you get if you were renting for ten years? Sweet FA. I can only go based upon my own personal experience. I rented a house for 5 years, paying £450 a month rent. So thats £27k I paid. I could also afford to save £250 a month up in a savings account which gave me £15k plus whatever the interest was at the time. 5% or whatever. I then bought a house, and the mortgage was £650 a month for the same sized property, I used my £15k of savings as a deposit so I would no longer get any interest on that money. Of that £650 a month, something like £450 was interest to the bank and the £200 was paying off the house. Then after 5 years, I had paid the bank £27k in interest (no return on that money), only paid £12k off the property capital and had not saved a penny as the mortgage was more expensive than renting. I had to also spend about £15k on the house in maintenance as it was a cheap house and needed everything replacing. So, in actual fact, excluding the actual value of the house, comparing rent to mortgage at this point I was actually £18k worse off. If I had been lucky to get a house needing no maintenance then id only have been £3k worse off than renting, but would have to have settled for a much smaller house. As you say, the house value itself is largely irrelevant as all the prices rise & fall over the market, so in my case if my house increased in value, the house id probably want to move into next would also have increased and id have to fork out more for it. On the other hand, people like my brother & my ex missus both bought their houses around 6 years back and now they are both worth 30k less than they paid - but that only becomes a problem should they want to sell. So based on my experience, renting enabled me to save more money and not worry about any maintenance, mortgage or property dropping in price. Of course, everyones situation is different, and in some areas its cheaper to get a mortgage than rent etc. etc. Where I think mortgage would be better is if you have a huge amount of savings or a large income, where you only have a very small or very short term mortgage. That way your monthly expenditure on a mortgage would be much lower than renting and would save you money.
  10. I'm hoping to move to devon or cornwall next year...buy my house and you'll have an NN15 postcode... £240k and it's yours.. Don't put the car in the garage though or it's £50 more...mental. Yeah your only just down the road from me. Isnt Kettering nearer to Corby tho? So Id have thought a higher risk?! I put that the cars parked on the road, rather than locked up on my secure driveway to try and reduce the premium. Not sure what else I can do. 800quid seems rediculous when they will insure me on a new GTR for 720quid and I was only paying £220 for my Golf GT TDI. :EDIT: Just gone on confused.com again and resubmitted my quote - exactly the same details as yesterday - i just clicked next, next, next, next, view quote. And Admiral are now coming back at £789. So it seems they vary their prices on a daily basis and its pot luck as to which day you get the estimate as to what you pay. Okay, so ive just spent the last 30mins playing with confused.com Price started out at £839 fully comp. Put in that there are other cars in the household drops the premium to £831. Change it to common-law rather than single, as im living with my missus drops it to the £789 im getting. Add my 70 year old mother to the policy drops the premium to £691. Add my 75 year old dad to the policy drops it to £660. Do they really think having a couple of old pensioners driving a 300bhp zed is a safer risk than someone like myself who has driven high performance cars & motorbikes all their life? My mum normally drives a 1.1 Polo for christ sake.
  11. Thats very sound advice. When I bought my house i didnt stretch myself. My mortgage was twice my income. Not cos i was earning loads, but i bought a cheap house. I could have got 5 times my income if i wanted, but i wanted a safety net. That meant I could still keep my motorbike as a fun toy whilst i did the house up and paid the bills.
  12. Im getting well peed off with this, is postcode NN10 really that bad? I live in a exceptionally quiet cul-de-sac where the average age is about 70 and the only excitement which happens is when someone dies of old age. Looks like id be better off moving to Brixton or somewhere?!!
  13. Well my insurance is due for renewal this month, so just went onto confused.com and Admiral have increased their quotation by 70quid over the last 3 weeks alone! Last month they were quoting me 730quid, now its coming in at 800quid. Thats fully comp, im nearly 40 and got 19 years NCB. Privilage are coming in slightly cheaper, 798quid, but their compulsary excess is something like 600quid!!! AAARRRGGHHHH!!!!! EDIT: Liverpool Victoria coming in at £817quid, plus they require I have a tracker fitted else they wont cover me. WTF?
  14. So she did okay out of it. They gave her 750quid more than her 2grand car was worth effectively!
  15. Plan at the moment is to spend no more than £2k to get a economical car for the commute and use the Zed at the weekends. If I get the job then I will have the car ready for the drives - and until then I'll probably only have to fill it up once a month with my current commute. As for renting vs buying - I really don't want to rent, it feels like throwing money down the drin and will just make it harder when saving to buy somewhere. Spending £2k on a car, then tax, insurance, mot, tyres, servicing..... you will have to do a lot of miles on the zed before that actually works out "cheaper". My old car was a Golf TDI which was worth about £2500. Including tax / insurance / mot / tyres / servicing and diesel it worked out it would cost me about 15p a mile based on 20,000miles a year to run it as a 2nd car. My zed currently costs me about 30p a mile just on petrol, tyres, servicing. Assuming over a 12 month period the shed looses £1000 in value, then id have to do over 6666 miles in it before it would start saving me money over using the zed. Then if you think you may need a new cambelt on the other car (400quid odd), and maybe something else goes wrong, it ends up actually not saving you anything at all. Renting..... well you either pay (for example) £500 a month to rent somewhere, or £500 a month in interest to line a banks greedy palms for your mortgage. Then, with property prices falling, i know people whose houses have dropped by 25% this last year alone, so on a 150k house thats £37500 you have just thrown away over 12 months. Of course, people say that over the long term property goes up in value... and it does.. but it would have to go up by a hell of a lot to give you a better return over what you are paying in interest on the mortgage.
  16. The K1 exhaust.... im deaf as a post now.
  17. Thats really bad, but i can see their point to some degree. If she knew her car keys had been nicked then maybe she should have done something to stop anyone nicking the car. I know if i someone nicked my car keys id make sure that id use the spare keys to park my car someone else until i could change the locks. On a similar vein, a friend of mine once had their car stolen and had a spare set of house keys in it and a letter with his address on it. Burglers simply drove around to his house and used his own keys to rob the house. So I am now extremely careful that I dont leave my keys or anything with my address on it in the car.
  18. I thought there were regulations that meant you couldnt have kitchens so narrow as that?! Ive fitted 3 kitchens now, completely gutted, replumbed, rewired and refitted, incl tiling and everything. A small kitchen like that isnt a massive job, but it can still take you a fair old while to get perfect. As others have said, the materials will cost you next to nothing. You can get carcases and doors cheap from wickes, a sink is 25quid, a worktop can be had for 40quid etc. etc... But its the labour involved etc. Personally id do it myself if i was you. Its easier than you think! Good luck!!!
×
×
  • Create New...