MK5 Golf GTI
General => Random Chat => Topic started by: Deako on January 03, 2013, 08:27:40 am
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Just looked at the pricing for a Mk7 Golf GT TDI, managed to get my ideal spec to £26,840. Not that many options selected. Looked at the finance options, with a moderate deposit adn 20k miles per year it was £511 p/m, and that was on solutions (PCP) not hire purchase. So imagine the balloon payment after 3 years on top of that.
Now, unfortunately BMW have removed their finance offer of 3.9% APR, but when it was in place you could spec up a 120d 3dr Hatch to the same price and with the dealer deposit contribution and working out what BMW discount would be on top, you could get the payments somewhere around £300 p/m. Also on PCP.
Move to Vauxhall and they are offering ridiculouse discounts and 0% APR (until 7th Jan). You can buy an Astra GTC 2.0 SRi CDTi for about £18000 with a load of options added, and can buy it on hire purchase outright for less than the BMW on PCP. With a 1st owner lifetime warranty to 100k miles.
I know depreciation counts for a lot, but if you just want a car to commute in for 5 years and cover a lot of miles, how are VW selling so many cars? Are the figures skewed? Is this the reason there are so many Insignias and Astras out there? Obviously, some people can afford to buy new cars outright. I wish i was one of them, but to be honest, you lose out more taking the whole hit on depreciation.
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My Brain tells me that if a car can depreciate 50% in the first three years then the new price of it cannot reflect its actual value . I am sure you can find a 3 year old car for sale that will be half its original value , buy this car outright and sell it in 3 years time .
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Buy a Bmw at a car auction at 2 years old , its still covered by warranty and run it for 2 more. Then do the same again after selling
I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
Each to their own i say though :innocent:
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My Brain tells me that if a car can depreciate 50% in the first three years then the new price of it cannot reflect its actual value . I am sure you can find a 3 year old car for sale that will be half its original value , buy this car outright and sell it in 3 years time .
or
Buy a Bmw at a car auction at 2 years old , its still covered by warranty and run it for 2 more. Then do the same again after selling
I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
Each to their own i say though :innocent:
Unfortunately, we are ploughing all spare cash into our house purchase at the moment so i dont have anything other than about £3k to use as a deposit. I can budget up to £300 p/m after we move for a car. So cannot buy a car outright.
There are some great deals out there if you can find them, take Vauxhall for example. Other manufacturers are also offering 0%, but its the discount thats appealing with Vauxhall.
We do earn considerably more than £50k per annum combined. And even with a massive mortgage on our new house and car finance, we would have a considerable amount of cash spare on a monthly basis. But i want to be putting that into savings and no doubt will be spending £3k on a sofa, and £10ks decorating the house for the next few years.
The fact that i drive a sh*tty old Mk3 GTI is because at present we live over the road from work and just needed every spare penny to make the house happen. (Its a new build, so masses of cash was put up during the reservation process even though its not going to be ready until May).
I still need to save a small amount towards the house, but am in a forunate position that i can save about £2k per month.
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Top tip with a PCP. Set the mileage at the lowest figure possible, why would you pay up front and add interest to that figure?
APRs can also be negotiated, BMW dealers aren't going to be impressed to see that kind of rise, knowing how many they've shifted of late due to the cheap deals. Just push hard or demand more discount to cover the increase.
Going over the mileage only matters if you hand it back to the dealer, then they charge you excess. If you go and trade it in at another marque or sell privately, then all you have to do is clear the outstanding finance/balloon.
Oh, and VW and Audi's pricing is crazy. It'd be very hard to walk past Vauxhall/Seat/Skoda with the kind of deals they're doing.... It's still very much a buyer's market.
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
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Top tip with a PCP. Set the mileage at the lowest figure possible, why would you pay up front and add interest to that figure?
APRs can also be negotiated, BMW dealers aren't going to be impressed to see that kind of rise, knowing how many they've shifted of late due to the cheap deals. Just push hard or demand more discount to cover the increase.
Going over the mileage only matters if you hand it back to the dealer, then they charge you excess. If you go and trade it in at another marque or sell privately, then all you have to do is clear the outstanding finance/balloon.
Oh, and VW and Audi's pricing is crazy. It'd be very hard to walk past Vauxhall/Seat/Skoda with the kind of deals they're doing.... It's still very much a buyer's market.
Cheers Mike. Good idea about the mileage. Its unlikely it would ever get just handed back in anyway.
The Octavia vRS Blackline was also tempting. VAT free, meant the car could be had for £17,800. But its through VWFS which is about 7.9% APR. Just too high. VW just want to milk the low interest rates at present and cream the profit for their figures.
We shall see what happens. :happy2:
If only i wanted a Toyota Aygo Fire :signLOL:
PCP at 0% is just insane.
http://www.toyota.co.uk/cgi-bin/toyota/bv/generic_editorial.jsp?navRoot=toyota_1024_root&fullwidth=true&noLeftMenu=true&forceText=%3cnone%3e&edname=CC2-AYGO-offersandfinance&id=CC2-AYGO-offersandfinance&zone=Zone+NG+AYGO&sr=Mall
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Got my new car on solutions to get the £1,000 deposit contribution from VW, a further £1,000 deposit contribution was paid by the dealer and the remaining finance is getting paid off after the first month. :happy2:
Gets built this month and should be ready to pick up March time, then straight off to revo for stage 2 without it even having 30 miles on the clock :evilgrin:
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Get a Mercedes c-class, pcp a 35k car for 299 a month. Hell you can get a c63 amg for 520 a month. VW's are overpriced for what you are getting these days, to me, the way things are going its like they are pushing people towards Audi.
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Get a Mercedes c-class, pcp a 35k car for 299 a month. Hell you can get a c63 amg for 520 a month. VW's are overpriced for what you are getting these days, to me, the way things are going its like they are pushing people towards Audi.
Thats PCH, not PCP. :happy2: I was the one that pointed out the PCH deals on C63 AMGs in the thread.
A colleague at work just got a AMG Sport C250 CDI Coupe on PCH for just over £300 p/m. Fantastic value. However, with PCH there is no way you can get around the mileage issue. If you say you do 20k miles per year, the price goes up dramatically.
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I totally agree with you vw new prices are getting ridiculous, I've just got a 1 year old mk6 golf gti with 8000 miles on the clock for £20500 (white, 5 door, leather, nav, sensors, shadows, winter and lux pack) this would have been just shy of £30000 new! Nice car but no way worth that kind of money new in my opinion.
Even if I could have waited for the mk7 gti ( i need a 5 door for family reasons now), that would be the best part of £30000 with a few options, way more than I'm prepared to pay for hot hatch.
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Ignore what people call depreciation as the figures are screwed.
I got a lot of vw owners say on forums i should have not bought SEATs when I did because of depreciation. Golf golf was about 55% were the seats were ~30%
But workout what the actual cost of pounds I lost over the ownership period in depreciation because of the large discount price and then a large percentage of a small amount (seat) in depreciation v small % of a large amount i lost far less pounds in depreciation on the SEATs than I would have on the VW versions.
Depreciation % figures are just there to make expensive makes of cars look better. % figures are used to fool people.
Look at the astra figures carefully you posted on the other thread it will probably cost you thousands less in pound notes terms over the years than the vw.
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
If people dont borrow and the banks dont lend, then the country grinds to a halt. When used wisely, finance is an incredible tool. :happy2:
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
You sound just like my brother, he earns a fair amount over 100k per annum, but won't pay out when it comes to cars (yet he loves them); I know it's sensible, plow all your money into bricks and mortar (he's 35)... but there has to be a point where you enjoy the fruits of your labor, who wants to be driving around in an Astra with a household income over 150k :(
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I totally agree with you vw new prices are getting ridiculous, I've just got a 1 year old mk6 golf gti with 8000 miles on the clock for £20500 (white, 5 door, leather, nav, sensors, shadows, winter and lux pack) this would have been just shy of £30000 new! Nice car but no way worth that kind of money new in my opinion.
Even if I could have waited for the mk7 gti ( i need a 5 door for family reasons now), that would be the best part of £30000 with a few options, way more than I'm prepared to pay for hot hatch.
I agree the price of them has gone stupid. I would not buy one again they are just too expensive. If I think of what I paid in 2009 compared to the price now its shocking.
I'm actually trying to talk a family member out of paying inflated new car prices as they want an Audi A1 I've said if it must be new have a look at the Suzuki swift sport as at least its more sensible money for what you get.
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
You sound just like my brother, he earns a fair amount over 100k per annum, but won't pay out when it comes to cars (yet he loves them); I know it's sensible, plow all your money into bricks and mortar (he's 35)... but there has to be a point where you enjoy the fruits of your labor, who wants to be driving around in an Astra with a household income over 150k :(
Absolutely. You cant take it with you when you are dead. My wife and i never plan on kids, so we are just going to enjoy our money and hope to have a retirement nest egg. Sell up once we retire and tour the world. If we are phystically capable.
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Q1 offers for BMW are still ranging between 3.9% and 5.9% making them competitive particularly with the strong residuals.
At 20k p/a you are always going to have a fairly hefty payment, if your putting in zero cash deposit then select a mileage you will do and hand the car back at the eot.
If you putting in a few £k deposit then set the mileage at 8k (the lowest) as it doesnt make sense to return the car.
Finally if your after a BMW come and see me :drinking:
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Q1 offers for BMW are still ranging between 3.9% and 5.9% making them competitive particularly with the strong residuals.
At 20k p/a you are always going to have a fairly hefty payment, if your putting in zero cash deposit then select a mileage you will do and hand the car back at the eot.
If you putting in a few £k deposit then set the mileage at 8k (the lowest) as it doesnt make sense to return the car.
Finally if your after a BMW come and see me :drinking:
Which BMW are you at?
I may be coming to see you later in the year :wink:
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Stratstone Harrogate but i will be moving to Leeds shortly.
Generally most of our business is done via the web and phone so we cand deliver anywhere in the UK.
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With a PCP you've got to get out of the mindset of the car's value.
Just think of it as renting, what am I getting for £xxx/month. Assume worst case of handing the car back, and if you end up with equity, then that's a bonus.
Look on Hertz's website, see how much a car will cost per month! Not quite the same I know, but the difference will more than pay for your running costs.
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See, I told you the BMW APRs weren't heading North, they've probably just ended the Q4 and not announced the Q1 yet... So default rates are advertised for now.
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See, I told you the BMW APRs weren't heading North, they've probably just ended the Q4 and not announced the Q1 yet... So default rates are advertised for now.
It might still be a possiblity then.
Just found out work staff rates have just dropped to 4% flat on used cars for HP. We have a 123d MSport 3dr Hatch in at the moment. Will only cost me £202 p/m. Eeeeeeek....tempted by that one. Or a 120d MSport 3dr for £192. Both are used cars obviously.
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Are pcp interest rates the same for used cars as they are in the news. I ask as my sister is looking for a new car and wants minimal outlay. She's another one of those in the good wage but happily drive a sh*tter camp. Just so happens her last wreck got written off so me and my old man are trying to push her into a safe newish car.
A BMW 1 series for under 200 p/m sounds right up her street tbh.
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Generally no, APR on used is upwards of 8%.
Luke, for something to commute in and smash 20k p/a on, £200 a month for a 123d sounds ideal. Stick the extra money aside towards something fun to use on days off.
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Are pcp interest rates the same for used cars as they are in the news. I ask as my sister is looking for a new car and wants minimal outlay. She's another one of those in the good wage but happily drive a sh*tter camp. Just so happens her last wreck got written off so me and my old man are trying to push her into a safe newish car.
A BMW 1 series for under 200 p/m sounds right up her street tbh.
No, this is hire purchase and is a staff rate as i work for a large bank. To be honest, they give us mortgage rates at 0.5%, so its about time they offered us a discount on car finance too. The car is also a couple of years old, but has only done 29k miles.
PCP rates vary from manufacturers and even based on the car you buy.
Generally no, APR on used is upwards of 8%.
Luke, for something to commute in and smash 20k p/a on, £200 a month for a 123d sounds ideal. Stick the extra money aside towards something fun to use on days off.
Sounds good doesnt it. Its only done 29k miles too. Its in Grey. Need to see what options are, its only just been added to stock so im hoping our remarketing team take pictures of it by tomorrow.
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
You sound just like my brother, he earns a fair amount over 100k per annum, but won't pay out when it comes to cars (yet he loves them); I know it's sensible, plow all your money into bricks and mortar (he's 35)... but there has to be a point where you enjoy the fruits of your labor, who wants to be driving around in an Astra with a household income over 150k :(
Absolutely. You cant take it with you when you are dead. My wife and i never plan on kids, so we are just going to enjoy our money and hope to have a retirement nest egg. Sell up once we retire and tour the world. If we are phystically capable.
Indeed you cannot take it with you ..... But in 6 months time i will retire from work at 50 , no mortgage , no debt , £130 k in the bank and £25k pa pension index linked for life ..... Happy Days ...
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Generally speaking new car rates are better as you get manufacturer support.
Anybody after an m135i? We have two stock cars ready to go that we can do a deal on?
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
You sound just like my brother, he earns a fair amount over 100k per annum, but won't pay out when it comes to cars (yet he loves them); I know it's sensible, plow all your money into bricks and mortar (he's 35)... but there has to be a point where you enjoy the fruits of your labor, who wants to be driving around in an Astra with a household income over 150k :(
Absolutely. You cant take it with you when you are dead. My wife and i never plan on kids, so we are just going to enjoy our money and hope to have a retirement nest egg. Sell up once we retire and tour the world. If we are phystically capable.
Indeed you cannot take it with you ..... But in 6 months time i will retire from work at 50 , no mortgage , no debt , £130 k in the bank and £25k pa pension index linked for life ..... Happy Days ...
That's good going - I hate to think what my generation will be like at a similar time in life, esp. with this buy it now pay for it later mentality :signLOL: I think it stems from the housing problems, most people rent, buy ipads and dont save (much).
Anyway, surely if your retiring in 6 months, any old scrapper will do until you get your retirement present (hmm, XKR?)
Edit: Or a nice 135i ^^^
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
You sound just like my brother, he earns a fair amount over 100k per annum, but won't pay out when it comes to cars (yet he loves them); I know it's sensible, plow all your money into bricks and mortar (he's 35)... but there has to be a point where you enjoy the fruits of your labor, who wants to be driving around in an Astra with a household income over 150k :(
Absolutely. You cant take it with you when you are dead. My wife and i never plan on kids, so we are just going to enjoy our money and hope to have a retirement nest egg. Sell up once we retire and tour the world. If we are phystically capable.
Indeed you cannot take it with you ..... But in 6 months time i will retire from work at 50 , no mortgage , no debt , £130 k in the bank and £25k pa pension index linked for life ..... Happy Days ...
Ahh, well at your age i can understand. Congrats!!!!
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VW prices are crazy, that is why I bought the Skoda
Skoda are keen to sell their cars, NO VAT offer on the car I bought and 3yrs Roadside assistance & 3yrs servicing
They gave me a good price for my car (the same as what a VW dealer offered over a year ago) and my monthly payments are reasonable at just over £210 per month
I'm fairly sure a lot of the cars that VW sell are lower spec versions
Only those with Deep pockets are going to add all the options to an already expensive car.
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
You sound just like my brother, he earns a fair amount over 100k per annum, but won't pay out when it comes to cars (yet he loves them); I know it's sensible, plow all your money into bricks and mortar (he's 35)... but there has to be a point where you enjoy the fruits of your labor, who wants to be driving around in an Astra with a household income over 150k :(
Absolutely. You cant take it with you when you are dead. My wife and i never plan on kids, so we are just going to enjoy our money and hope to have a retirement nest egg. Sell up once we retire and tour the world. If we are phystically capable.
Indeed you cannot take it with you ..... But in 6 months time i will retire from work at 50 , no mortgage , no debt , £130 k in the bank and £25k pa pension index linked for life ..... Happy Days ...
That's good going - I hate to think what my generation will be like at a similar time in life, esp. with this buy it now pay for it later mentality :signLOL: I think it stems from the housing problems, most people rent, buy ipads and dont save (much).
Anyway, surely if your retiring in 6 months, any old scrapper will do until you get your retirement present (hmm, XKR?)
Edit: Or a nice 135i ^^^
Our generation will be paying for the older generation who have already padded their own coffers. Expensive housing, sh*t pensions and ever increasing taxes. Welcome to Britian lol.
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Are pcp interest rates the same for used cars as they are in the news. I ask as my sister is looking for a new car and wants minimal outlay. She's another one of those in the good wage but happily drive a sh*tter camp. Just so happens her last wreck got written off so me and my old man are trying to push her into a safe newish car.
A BMW 1 series for under 200 p/m sounds right up her street tbh.
No, this is hire purchase and is a staff rate as i work for a large bank. To be honest, they give us mortgage rates at 0.5%, so its about time they offered us a discount on car finance too. The car is also a couple of years old, but has only done 29k miles.
PCP rates vary from manufacturers and even based on the car you buy.
Generally no, APR on used is upwards of 8%.
Luke, for something to commute in and smash 20k p/a on, £200 a month for a 123d sounds ideal. Stick the extra money aside towards something fun to use on days off.
Sounds good doesnt it. Its only done 29k miles too. Its in Grey. Need to see what options are, its only just been added to stock so im hoping our remarketing team take pictures of it by tomorrow.
That's not bad at all, I think her bank does something similiar, she showed me a new Mercedes slk with 800 deposit and 259 a month on pcp. Gobsmacked by that!
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
You sound just like my brother, he earns a fair amount over 100k per annum, but won't pay out when it comes to cars (yet he loves them); I know it's sensible, plow all your money into bricks and mortar (he's 35)... but there has to be a point where you enjoy the fruits of your labor, who wants to be driving around in an Astra with a household income over 150k :(
Absolutely. You cant take it with you when you are dead. My wife and i never plan on kids, so we are just going to enjoy our money and hope to have a retirement nest egg. Sell up once we retire and tour the world. If we are phystically capable.
Indeed you cannot take it with you ..... But in 6 months time i will retire from work at 50 , no mortgage , no debt , £130 k in the bank and £25k pa pension index linked for life ..... Happy Days ...
Retire at 50? You must be mad!
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30 years service , nice lump sum and a final salary pension, great times. If you've been savvy with your money, as it seems he has, why the hell would you continue to work?
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I can never understand how people can afford to buy new cars if they earn less than £50k pa . To lost £20k in 3 years equals losing about £130 a week .
I just look at it as another monthly outgoing. I could spend a fortune on a monthly train pass, or spend £300 a month on a loan, or finance. Swings and roundabouts.
Indeed .... I try to keep my monthly outgoings as low as possible ..... But everyones different :happy2:
You sound just like my brother, he earns a fair amount over 100k per annum, but won't pay out when it comes to cars (yet he loves them); I know it's sensible, plow all your money into bricks and mortar (he's 35)... but there has to be a point where you enjoy the fruits of your labor, who wants to be driving around in an Astra with a household income over 150k :(
Absolutely. You cant take it with you when you are dead. My wife and i never plan on kids, so we are just going to enjoy our money and hope to have a retirement nest egg. Sell up once we retire and tour the world. If we are phystically capable.
Indeed you cannot take it with you ..... But in 6 months time i will retire from work at 50 , no mortgage , no debt , £130 k in the bank and £25k pa pension index linked for life ..... Happy Days ...
Retire at 50? You must be mad!
lol it's alright for the older generation - i bet my generation won't be able to retire until 70 minimum (both due to policy and lack of the finances to be able to do so)
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Yep, everyone in my company basically lost their final salary pensions. Lucky for those that are of age that were able to buy cheap houses, and have such luxuries as a final sal pension.
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30 years service , nice lump sum and a final salary pension, great times. If you've been savvy with your money, as it seems he has, why the hell would you continue to work?
I like my job. I can't see myself not doing it, or if not this job it will be another one. My Dad is in his 60s and works as a Barrister. He has no plans to retire!
I get bored having a few days off so retiring sounds like hell to me!
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Oh, I agree I'd be bored as hell. I'd still retire though and do something else to keep me busy.
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I will still work , but won't need to . Voluntary stuff perhaps for charity , I really enjoy my job but need a change as the Government are ruining it , like it did with Teaching , NHS etc .
Now i had an idea of becoming a Professional Golfer at 50 (Seniors) , can't see that happening but you never know . I'm quite good at Teaching it too . If i lived in a more affluent area i would definitely . Most Good Teachers charge £50+ an hour too :evilgrin:
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If you retire on a good wage you are laughing. Just go travelling, and do trackdays and other hobbies lol.
Retiring at 50 is a dream of mine!
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Yup, I only managed 14 years of my final salary before I switched jobs. Still, 17% them and 6% me isn't too bad in my new one. I can't see me still having an appetite for IT and its constant learning process when I'm 55, so I'll be ready to go.
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My Dad retired at 50 from the Bank (Area Director) earned his money throughout his life in various roles before moving into senior management and put the majority of it into property and company share saves, he sold all his shares before it went boobies up and the properties they bought over the years are worth between 3-7 times what they paid for them (Even now with the "property slump"), he is now 62 and works part time with me and my mother Altho I don't think he wants to really (mother is a strong willed woman!) :grin:
Cannot ever see that I will get anywhere near their worth and I think that goes for the majority of our generation :sad1:
My brother works as an underwriter for a large finance/lease company and tells me about all the deals that come and go for cars, he also told me about the Merc C Class at £299pm and is encouraging me to lease a car once the ED30 has gone rather than buy a 2 year old BMW (which was my plan), will make some decisions once it's sold as I dont need a car until April tbh.
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Yup, I only managed 14 years of my final salary before I switched jobs. Still, 17% them and 6% me isn't too bad in my new one. I can't see me still having an appetite for IT and its constant learning process when I'm 55, so I'll be ready to go.
You need to get into Business Analyst type roles really. I cant seem myself doing IT much past the next 5 years either. Its so tiresome, especially in support. Move to infrastructure based roles? Maybe. But ill be approaching 40 and i earn a good coin.
The wife wants to move into SQL DBA / Business Intelligence roles, so i can just rely on her to rake it in instead. :signLOL:
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Cannot ever see that I will get anywhere near their worth and I think that goes for the majority of our generation :sad1:
I can't really understand why people are bothered about accumulating wealth, apart from having enough to enjoy a decent standard of living.
However I admit that I've never known poverty.
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I mainly do firewall network design at the moment, so I have to be right on the forefront of everything new, as I get older I'd rather be in IT security. Big rubber stamps YES and NO :laugh:
My other half already earns way more than me, that's my unofficial retirement plan.
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I can't really understand why people are bothered about accumulating wealth, apart from having enough to enjoy a decent standard of living.
Sounds corny, but for me it's about providing for my family's future, and my Grand Children (if I'm lucky enough to have any). My parents have bailed me out of a few situations (many years ago), they've been able to help with house deposits (they contributed £27k to our current house), and they paid for my University education. I want to able to do they same for my two.
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However I admit that I've never known poverty.
He is not a bad lad and has a nice car. PM him i am sure he is a nice guy. :rolleye:
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Like Brad Pitt said in Fight Club the things you own end up owning you.
At 24 i had a small brokerage firm specialising in BTL and BMV property, i was making good money and got a new s3 on finance moved into a £1500 per month penthouses and had more watches than fingers.
Anyway things didnt last and i ended up on my arse doing things i shouldnt have.
Whilst i love cars and nice things they end up ruling your life and making you unhappy.
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i am sure he is a nice guy. :rolleye:
Oh dear...sounds like I want to 'know' him in the Biblical sense. :sick: (No offence if you bat for the other side Poverty)
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Whilst i love cars and nice things they end up ruling your life and making you unhappy.
Doesn't that kind of make sure the equivalent of a drug dealer?
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Whilst i love cars and nice things they end up ruling your life and making you unhappy.
Doesn't that kind of make sure the equivalent of a drug dealer?
I need my fix, where is my 1 series quote so i can snort it!!!!
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My Dad retired at 50 from the Bank (Area Director) earned his money throughout his life in various roles before moving into senior management and put the majority of it into property and company share saves, he sold all his shares before it went boobies up and the properties they bought over the years are worth between 3-7 times what they paid for them (Even now with the "property slump"), he is now 62 and works part time with me and my mother Altho I don't think he wants to really (mother is a strong willed woman!) :grin:
And this is why deako and his generation cannot afford a house and can hardly scrape by.
Because that generation bought lots of houses. Made house prices quadruple at least (supply demand) Made rents so high people could hardly afford to live or save a deposit to buy.
Imo people who own more than one house should be massively taxed on it and buy to let morgages should be outlawed. Imo any other house people own they are not living in for more than 7 months of the year they should get stung / ass raped in tax for it.
The rich get richer the poor get poorer. As long as I'm alright jack, Screw the next generation seems to be that generations legacy.
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My Dad retired at 50 from the Bank (Area Director) earned his money throughout his life in various roles before moving into senior management and put the majority of it into property and company share saves, he sold all his shares before it went boobies up and the properties they bought over the years are worth between 3-7 times what they paid for them (Even now with the "property slump"), he is now 62 and works part time with me and my mother Altho I don't think he wants to really (mother is a strong willed woman!) :grin:
And this is why deako and his generation cannot afford a house and can hardly scrape by.
Because that generation bought lots of houses. Made house prices quadruple at least (supply demand) Made rents so high people could hardly afford to live or save a deposit to buy.
Imo people who own more than one house should be massively taxed on it and buy to let morgages should be outlawed. Imo any other house people own they are not living in for more than 7 months of the year they should get stung / ass raped in tax for it.
The rich get richer the poor get poorer. As long as I'm alright jack, Screw the next generation seems to be that generations legacy.
let's just take your scenario for a minute:
money doesn't just appear. to get a deposit you have to save for it, so what do people do in the mean time? buy to let is outlawed, and those that have 2nd houses with regular mortgages are heavily taxed.
in this world, rent will be more expensive because the tax would be heavier. this would mean that less people could afford to save for a deposit.
what i do think is that in high demand places like London foreign investment should be heavily curtailed. rich foreign investors shouldn't be allowed to make massive profits on rent from our housing market to siphon off to their own country. if money is being made in this country, there should be some sort of law that governs that either it remains in this country in a UK bank account, spent on UK goods and services for the upkeep of the property concerned, or if the investor wishes to export the money it should be taxed at 90%.
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Whilst i love cars and nice things they end up ruling your life and making you unhappy.
Doesn't that kind of make sure the equivalent of a drug dealer?
Come again?
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You sell cars right?
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I think auto correct knackered your joke.
Thatcher f*cked housing by allowing council tenants to own their homes at a massively discounted price. The population boom has hammered the nails in the coffin.
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Retire at 50? You must be mad!
....Why mad? I retired at 52yo - It beats working! Very limited income but a great quality of life and that's far more important.
Re losing faith in VW, it's a very long time indeed since Adolf offered the wagen to the volks as a cheap people's car. ALL car prices, not just Volkswagen, continue and will continue to rise.
(https://www.mk5golfgti.co.uk/forum/proxy.php?request=http%3A%2F%2Fdaz.co%2Fmedia%2FRedRobin_05%2FVW%2FBeetle_stampbook.jpg&hash=8e85e15016b940cc63b68252142fc019d746dd58)
^ In those days you could save enough stamps to buy a Volks Wagen [trans. People's Car].
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I think auto correct knackered your joke.
Thatcher f*cked housing by allowing council tenants to own their homes at a massively discounted price. The population boom has hammered the nails in the coffin.
Biggest F*** up of all time i say was allowing Council Tenants to buy their houses , this has caused the housing shortage we now have and has led to the "Buy to Let" madness that has caused house prices to rise so much ahead of wage increases . I will have to pay my sons and daughters deposits if they ever want to get on the housing ladder before they are too old .
We've gone a bit off topic though :innocent:
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Retire at 50? You must be mad!
....Why mad? I retired at 52yo - It beats working! Very limited income but a great quality of life and that's far more important.
I explained myself in reply no.36. Everyone is different but I can't see how my quality of life could be better just because I'm not working?
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Retire at 50? You must be mad!
....Why mad? I retired at 52yo - It beats working! Very limited income but a great quality of life and that's far more important.
I explained myself in reply no.36. Everyone is different but I can't see how my quality of life could be better just because I'm not working?
....Yes, I read it and I understand and respect that your reasons apply to you but not necessarily to someone else, as you were addressing someone else in your post.
As you say, each to their own. I very much enjoyed my job working for myself but am nevertheless glad to now have much more 'me-time'. It doubtless helps that I'm also happily divorced and that my daughter is grown up.
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I agree with the above. Time is priceless! So what somebody has 200k plus salary when working 320 hours a month?? Best to keep the balance in everything in life.
Paul
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I agree with the above. Time is priceless! So what somebody has 200k plus salary when working 320 hours a month?? Best to keep the balance in everything in life.
Depends on their motivation...
Doctors and surgeons work long hours and get paid a lot, but ask any of them if money is their motivation and they'll say it isn't. Their job is what makes them tick - it's their life.
On the other hand I have a default dislike for people who are purely motivated by money. Greed is not a good personality trait.
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Must it be new Luke?
Does a finance deal on a 6-12 months old car with a decent remaining warranty, low mileage and 20+% less off new price not appeal at all?
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Must it be new Luke?
Does a finance deal on a 6-12 months old car with a decent remaining warranty, low mileage and 20+% less off new price not appeal at all?
The best finance deals are normally on new cars. Discounts and subsidised finance rates are the appeal. I'd rather have a new car at 0-4% than a used car at 9%+. Take a look at the VW site and their finance examples on used cars. Crazily, some of them are listed with finance available at 27%+. Mental!!!
Luckily my company have just started offering HP @ 4% on used cars for staff. We have a few good offers on low mileage cars going pretty cheap.
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Here's an example. Click on the finance tab!! :confused:
http://usedcars.volkswagen.co.uk/used-vw-scirocco/coupe-3-dr/2.0-tdi-gt-dsg/west-midlands/602657359-123230.aspx?srcmdc=se_na_re_
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19-20% APR is stupidity, I agree.
You don't have to go through the manufacturer/franchise dealer for finance though necessarily, would you?
- Maybe there's more info I don't know.
Maybe I'm old fashioned (for 25 :grin:) but isn't forking less up front for something 1-2 years old with all the trimmings (where possible) going to leave more in your pocket over X years?
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My Dad retired at 50 from the Bank (Area Director) earned his money throughout his life in various roles before moving into senior management and put the majority of it into property and company share saves, he sold all his shares before it went boobies up and the properties they bought over the years are worth between 3-7 times what they paid for them (Even now with the "property slump"), he is now 62 and works part time with me and my mother Altho I don't think he wants to really (mother is a strong willed woman!) :grin:
And this is why deako and his generation cannot afford a house and can hardly scrape by.
Because that generation bought lots of houses. Made house prices quadruple at least (supply demand) Made rents so high people could hardly afford to live or save a deposit to buy.
Imo people who own more than one house should be massively taxed on it and buy to let morgages should be outlawed. Imo any other house people own they are not living in for more than 7 months of the year they should get stung / ass raped in tax for it.
The rich get richer the poor get poorer. As long as I'm alright jack, Screw the next generation seems to be that generations legacy.
Having seen my fathers tax returns for the last 8+ years I know well enough he contributes plenty to HMRC :happy2:, they also pay council tax on all the properties even tho they dont get any of the services they pay for (they dont rent them out as they use them all due to our family being located all over the country).
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19-20% APR is stupidity, I agree.
You don't have to go through the manufacturer/franchise dealer for finance though necessarily, would you?
- Maybe there's more info I don't know.
Maybe I'm old fashioned (for 25 :grin:) but isn't forking less up front for something 1-2 years old with all the trimmings (where possible) going to leave more in your pocket over X years?
You don't no. Loans are readily available too, depends if you want PCP, loan or Hp. If I can get a brand new car with a huge discount and 0% surely that's the best option? ;)
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19-20% APR is stupidity, I agree.
You don't have to go through the manufacturer/franchise dealer for finance though necessarily, would you?
- Maybe there's more info I don't know.
Maybe I'm old fashioned (for 25 :grin:) but isn't forking less up front for something 1-2 years old with all the trimmings (where possible) going to leave more in your pocket over X years?
You don't no. Loans are readily available too, depends if you want PCP, loan or Hp. If I can get a brand new car with a huge discount and 0% surely that's the best option? ;)
I always thought buying a 2-3 year old car (Where most of the initial depreciation has been paid by someone) else is the best thing, but looking at lease deals it might be better, who knows for sure until you work the figures on the 2 cars.
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Popped to a Vauxhall dealer. Would only offer 4% discount on a VXR. Can get 12% through work at just over £3k. Ridiculous to be honest. At work we purchase from Vauxhall dealers too, we do buy in volume to get discounts but I always though Vauxhall discounted big. Lookers Yardley for information. Don't bother. Also, I do look young (for 32) but the guy insulted me by saying "If you can insure it".
We could have gotten £6500 off a GTC CDTi through work too, and that's only a £22k car. Nearly 33%!!
Popped to my work outlet to take a look at new car stock and have reserved an Audi A1 1.6 TDI Sport. Done 13k miles, just 1 year old, getting it for £13,595 if we pull the trigger. Quite cheap on the current staff finance rate. Got 2 years of the Audi warranty left and could be extended for another 2 years. With up to 75mpg it should be cheap motoring for a few years.
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Sounds like you found the donkey jacket tool at that particular dealer. I hope you laughed at him.
A1 - Perfect commuter car. Save the rest of the brass for something silly once you've finished getting the house sorted. :happy2:
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To be honest, if I could get the discount that has been quoted by the guy on here back in June, with our deposit combined it would have been under £20k. On straight HP @ 0% it would have been about £300 p/m and is happily pay that for the VXR for the added fun factor.
I spoke to 2 donkies at the dealership, neither of them really knew the company I work for (we have 300k cars on UK roads and are down the road), considering most of our Vauxhall maintenance would go through them too.
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So what happened to the supposed 7k discount Luke?
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So what happened to the supposed 7k discount Luke?
Well, we can get nearly £7k through work (not on the VXR can get £3200 on that). Assumed dealers were doing similar. Especially after this post:
http://www.mk5golfgti.co.uk/forum/index.php/topic,49181.msg564826.html#msg564826
Just read the last post on that thread, and looks like family/friends discount. If he replies to me before tomorrow, I might still be tempted. Bet it's cash only though and can't take advantage of 0%.
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How much for the m135
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So what happened to the supposed 7k discount Luke?
Well, we can get nearly £7k through work (not on the VXR can get £3200 on that). Assumed dealers were doing similar. Especially after this post:
http://www.mk5golfgti.co.uk/forum/index.php/topic,49181.msg564826.html#msg564826
Just read the last post on that thread, and looks like family/friends discount. If he replies to me before tomorrow, I might still be tempted. Bet it's cash only though and can't take advantage of 0%.
Ah ok, be interested to know what the deal is as and when you find out! :happy2:
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30 years service , nice lump sum and a final salary pension, great times. If you've been savvy with your money, as it seems he has, why the hell would you continue to work?
And if you've put up with half the c**p he has in that 30 years service then i say fair play :happy2:
The job is one step closer to cells, than you and me on the street, if it goes wrong.
Enjoy the retirement, my mate has 2 years and counting after his last 10 on plain clothes firearms, so he doesnt call it a job now, more play time each day :signLOL:
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Vw are going mental with the pricing !!
Mk4 gti - £15500
Mk5 GTI - £19900
Mk6 GTI - £24000
That's crazy inflation !!!
The mk7 is ment to be cheaper to make though so mabe the prices will start to level out.
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Vw are going mental with the pricing !!
Mk4 gti - £15500
Mk5 GTI - £19900
Mk6 GTI - £24000
That's crazy inflation !!!
The mk7 is ment to be cheaper to make though so mabe the prices will start to level out.
I doubt it. I specced a GT on the configurator to nearly £27k with just a few options.
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What mk7 ?
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What mk7 ?
Yep!! :sad1:
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The MK6 was cheaper to make than the Mk5.
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Must it be new Luke?
Does a finance deal on a 6-12 months old car with a decent remaining warranty, low mileage and 20+% less off new price not appeal at all?
The best finance deals are normally on new cars. Discounts and subsidised finance rates are the appeal. I'd rather have a new car at 0-4% than a used car at 9%+. Take a look at the VW site and their finance examples on used cars. Crazily, some of them are listed with finance available at 27%+. Mental!!!
Luckily my company have just started offering HP @ 4% on used cars for staff. We have a few good offers on low mileage cars going pretty cheap.
Glad you've raised this Luke, i purchased on PCP new when i was 17, on a Saxo, as it came with 2 yrs free insurance, which in a BD postcode at 17, enabled me to own a car. Since then i have always used a private loan if needed to change my car.
The reason being is that in my head it means i own the car and not that garage, Personal loans are pretty cheap, Tesco 5.3%, which is better than i have seen at some dealers.
The comments from yourself and Mike, have got me thinking though. I receive a car allowance each month from my company, which i do use to fund the ED30, but i suppose with it i could do a PCP, low miles, i do 8k ish a year and use the equity in my car to give me financial security or if the girlfriend realises get married :signLOL:
I just cant get my head around the feeling that i will never own the car or i have to hand it back at the end of 3 years etc.. and walk away with nothing, i do like owning a car outright... :confused:
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I never thought it would be cheaper than the mk6 but that price is stupid, still the GT tdis weren't far away from the price of the GTis on the mk6 anyway were they !
Just buy a mk2 again ! Tell you what i wouldn't be without mine and I have more fun in it than just about anything ive ever owned - despite it not being the fasted now-a-days
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The comments from yourself and Mike, have got me thinking though. I receive a car allowance each month from my company, which i do use to fund the ED30, but i suppose with it i could do a PCP, low miles, i do 8k ish a year and use the equity in my car to give me financial security or if the girlfriend realises get married :signLOL:
I just cant get my head around the feeling that i will never own the car or i have to hand it back at the end of 3 years etc.. and walk away with nothing, i do like owning a car outright... :confused:
Just use the allowance on a VW UP! or something to keep the mileage off the Ed30.
I never thought it would be cheaper than the mk6 but that price is stupid, still the GT tdis weren't far away from the price of the GTis on the mk6 anyway were they !
Just buy a mk2 again ! Tell you what i wouldn't be without mine and I have more fun in it than just about anything ive ever owned - despite it not being the fasted now-a-days
I do love my Mk1/2s. I will have one sat in the garage for fun. But I would never take one on the motorway commute every day. They get squashedike tin cans by modern cars in crashes.
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Oh yea big time ! Sorted then mk2 and Aygo fire !
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Loans at 5.3% is a load of rubbish. Try meeting their criteria for that rate. My wife and I sought finance for home improvements earlier this year and despite earning a combined wage of nearly £90k and both having perfect credit rating we couldn't get anything near the best rates that were being quoted.
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Loans at 5.3% is a load of rubbish. Try meeting their criteria for that rate. My wife and I sought finance for home improvements earlier this year and despite earning a combined wage of nearly £90k and both having perfect credit rating we couldn't get anything near the best rates that were being quoted.
I have done just that, but i do work in financial services, so need to be 'fit and proper' for my job, guess i must have squeeky clean credit rating.
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Loans at 5.3% is a load of rubbish. Try meeting their criteria for that rate. My wife and I sought finance for home improvements earlier this year and despite earning a combined wage of nearly £90k and both having perfect credit rating we couldn't get anything near the best rates that were being quoted.
I've found similar in the past. Best rates I've been offered in the past have been via my own bank. But we have a Barclays Premier account.
And I work for a company owned by a bank too^^, so had to have criminal and credit based checks before I got my job.
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I think I have narrowed it down to 2 cars. Can you help me decide?
Audi A3 2.0 TDI Black Edition S-Tronic
59 plate, 42k miles
Bose
Phantom Black Pearl
£14,195
BMW 123d 3dr Hatch Manual
59 plate, 29k miles
18" Rims
Metallic Grey
Rear parking sensors
Has a few scuffs on paint
£12,695
So torn between the 2.
BMW is incredible value, but lacking options. Twin turbo out of warranty, issues?? Will be more fun to commute in.
Audi keeps it VAG, but DSG out of warranty is scary. I can get aftermarket, but how much of a DSG repair would be covered. I know I have probably just been unlucky with the Scirocco.
:popcornsoda:
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My A3 Black edition was £4k more than that @26k miles on an MY10' plate.
Feels like that one is a good buy on paper.
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Is that S-Tronic as well? :)
To be honest, the Audi feels like a nicer place to sit in as well. Sure the BMW would cover ground astonishingly quick, but at the expense of fuel economy, looks like you are lucky to see 40mpg in one.
The A3 is loaded in spec being a Black Edition. Oh, it's a 140ps only but that doesn't bother me too much when Mr.Revo can sort it out.
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Send jhtrophy a pm he has been running his 123d for a while now and does some mileage in it too. Good car too and he has been enjoying it
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Is that S-Tronic as well? :)
To be honest, the Audi feels like a nicer place to sit in as well. Sure the BMW would cover ground astonishingly quick, but at the expense of fuel economy, looks like you are lucky to see 40mpg in one.
The A3 is loaded in spec being a Black Edition. Oh, it's a 140ps only but that doesn't bother me too much when Mr.Revo can sort it out.
Tis' a manual chief. It's the 170ps which is possibly why it was more too - this was back in July last year.
It's certainly a 'made' cabin, that's for sure.
I think if you replaced the runflats with regular rubber and mapped it, you'd possibly see a bit closer to manufacturers claimed MPG figures driving gingerly in the 1'er.
You'd be surprised with the Black Edition spec, check it. You may have found a well kitted one, but the equivalent Mk6 GTD's are better specc'ed from factory when I did a like for like.
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My average in the 123d is always above 40 mpg, 47 at mo, you can't really compare the 2 tbh, the engines are totally different as are the chassis. A 120d would be a far better car than the a3 if the engine out of Warrenty and mpg concerns you.
I love my 123d as I see it for what it is, it's by far the best 4 pot Diesel engine that feels very much like a petrol, but you can't get away from the fact it's all out of puff at 5k. The mpg is very good considering its 200bhp stock, cheap tax and a good rwd chassis. Just don't think it's going to be as much fun as a focus rs and its a difficult car to beat.
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Well, the BMW won!!!! :laugh: Took it for a test drive this morning. Needs a couple of bits of bodywork fixing, hope they do an ok job of it. Just a scrape on the N/S sill and the lower parts of both sides on the rear bumper are a bit scuffed, probably from stone chips tbh. But for the price its just insane value.
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Hurrah!
Get the Mondial cover, I forgot to add it also gives full Euro recovery too with a replacement car. Not that you'll need it.
Is it on 18s? Camskill have BMW fitment 225/245 SuperSports on offer :wink:
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Yeah, its on 18"s. I get 12 months warranty free with the car, so next year ill probably take up the Mondial/Allianz BMW Insured Warranty.
Here it is. Love this colour to bits!!!
(https://www.mk5golfgti.co.uk/forum/proxy.php?request=http%3A%2F%2Ffarm9.staticflickr.com%2F8496%2F8364453384_d6c31d540b_c.jpg&hash=005280dc56792744d9b5417a9d538fd7237eb773) (http://www.flickr.com/photos/lukedeakin/8364453384/)
BMW 123d M-Sport (http://www.flickr.com/photos/lukedeakin/8364453384/) by LukeDeakin (http://www.flickr.com/people/lukedeakin/), on Flickr
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Needs a remap! :happy2:
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Needs a remap! :happy2:
:grin:
Agree. Will have to wait. New house needs new furniture, decorating etc. Or maybe the sofa can wait as i need some Supersports and a remap.
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Im sure your other half will understand.... :happy2:
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Looks a belter. :happy2:
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I'll spend some money for you too.....
E46 Clubsport weighted gear knob and the BMWP short shift rod really help the notchy change.
E90 M3 front ARB and wishbones add camber and remove any understeer, completely.
225 fronts and knocking off some of the toe-in help lots too
Non run flats ride sooo plusher.
E82 coupe rear subframe brace stiffens the rear nicely
135i/BMWP 6 port Brembos don't fade on track with the right pads/fluid. No matter how much abuse you give them.
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:signLOL:
In an ideal world maybe, but this is just a commuting car. A fun commuting car, granted.
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LOL.
A friend's put 80k on one of those commuting and it's been faultless
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Thats what im hoping!! :happy2:
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I pay £37 per month for the bmw comprehensive Warrenty with euro breakdown cover, that's on 25k per year. Car looks spot on mate :happy2:
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Yeah, i just got quoted £36.90 p/m on the BMW Insured Warranty site for Comprehensive cover. It does include roadside recovery (but i have full RAC European Breakdown anyway with my Barclays Premier account), but i cant see the point in paying the extra £10 p/m for the Emergency Cover.
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Well, the BMW won!!!! :laugh: Took it for a test drive this morning. Needs a couple of bits of bodywork fixing, hope they do an ok job of it. Just a scrape on the N/S sill and the lower parts of both sides on the rear bumper are a bit scuffed, probably from stone chips tbh. But for the price its just insane value.
Glad you went for the hatch and not the coupe, seem to come across more in the coupe variety but I think it looks a little squashed :happy2:
Enjoy your new wagon.
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Don't get me wrong, I would have gone for the coupe had one been available through work!!
I love the hatch though. Used to proper hate it, but it grew on me and then pounced when I wasn't looking.
Seriously classy shape now.
I'm just terrifying myself reading about timing chain failures on babybmw.net!! :scared:
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Good work mate, looks like a superb car. Enjoy it!
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Cheers. Stereo is a bag o sh*te though compared to the audi concert + Bose. Need to get a professional head unit ASAP as a minimum.
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Ahh, poverty radio?
There's many options, even a handy Alpine retrofit kit.
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Ahh, poverty radio?
There's many options, even a handy Alpine retrofit kit.
The Alpine retrofit kit is horrendously expensive. Obvious, easy to install, but dealers need to code the unit into Hifi mode as well.
I've heard that you can just wap a pro head unit in, but should keep standard in case the car needs a full software update. Can the pro unit not be coded to the car too?
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Oh, I dunno. How stupid expensive is stupid?
I had the Logic7 option, I believe some people use the speakers to upgrade theirs.
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Oh, I dunno. How stupid expensive is stupid?
I had the Logic7 option, I believe some people use the speakers to upgrade theirs.
Well, not expensive by some stretches, but we are talking up to 8% of the cost of the car if you just want a dealer to stick it in for you.
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Nuts to the dealer!
http://www.babybmw.net/howtos/how_to-_upgrade_the_standard_speaker_setup.pdf
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So it looks like the £350 Alpine kit and retain the Business HU is the way to go really.
Or if i dont want to do the speaker\amp upgrade, then just install the Pro HU.
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Don't get me wrong, I would have gone for the coupe had one been available through work!!
I love the hatch though. Used to proper hate it, but it grew on me and then pounced when I wasn't looking.
Seriously classy shape now.
I'm just terrifying myself reading about timing chain failures on babybmw.net!! :scared:
Before I bought the golf I put a deposit down on a 1 serious coupe. Went to a local specialist who spoke about nothing but timing belt failures. Hence I ended up with the golf. However, cant be that bad with how many are on the road!
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I'm sure there's independents or forum members who can do HiFi coding, but at least there's some tried and tested upgrade options.
As for timing chains, every car has a timebomb, most VAGs included. If you spent your life reading forums and worrying, you'd never buy anything. That's what warranties are for.
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If my memory serves me correctly the timing chain isn't made by bmw so they refuse to fix it under warranty, and because it's at the rear of the engine it's a complicated job if it snaps. A few grands worth I was told.
Either way, like I said, if it was that much of an issue there wouldn't b so many :smiley:
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Utter rubbish, who told you that?
75% of the components on your car won't be made by VW themselves, they contract it out to 3rd parties. Same with BMW.
They fix your car, then go and kick the arse of the 3rd party for the money.
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Haha a bmw specialist in Stourbridge.
Apparently not such a specialist :signLOL:
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Well, the BMW won!!!! :laugh: Took it for a test drive this morning. Needs a couple of bits of bodywork fixing, hope they do an ok job of it. Just a scrape on the N/S sill and the lower parts of both sides on the rear bumper are a bit scuffed, probably from stone chips tbh. But for the price its just insane value.
good call! with the current BMW prices it's a bragain for what you're getting really as discussed at this forum! VAG will go down if they continue this pricing policy as VW and BMW are two diffrent classes of vehicles and VW should always be cheaper!
Paul
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Haha a bmw specialist in Stourbridge.
Apparently not such a specialist :signLOL:
Specialising in scaremongering and inflating repair bills, no doubt...
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I can't understand why though
Surely he should have been pushing me to buy one? If he was so certain something would inevitably go wrong it would benefit him if I purchased one!
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Some people are just by default glass half empty doom mongerers. I wouldn't try and look too deeply into it. :grin:
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I'll be getting the comprehensive mondial BMW warranty and my car has full BMW MDSH. So it would be impossible for them to refute a claim. :)
Like i said, if it happens, it happens. At least it will be covered. Luckily on the model year, its just chains/tensioners/sprockets that would need replacing with uprated items. On earlier engines, its crank and all sorts of gubbins!!!