Advice on new car

Why does it seam that some lads turn this into a dick measuring contest? Not everything is a johnson measuring contest ☹️

Besides that there are some good overall comments here as well as the obligatory derailings.
 
The_Traveller said:
What's so funny? You don't know you can (retrofit OEM) style your cars ? You're a unique Ahole.
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You know, unique means being one of its kind. Nowhere have you said you retrofit your cars with a night rider kit. I can buy a bleedy polo and change the look of it. Read what you wrote. Dick
 
3lOH55A said:
You know, unique means being one of its kind. Nowhere have you said you retrofit your cars with a night rider kit. I can buy a bleedy polo and change the look of it. Read what you wrote. Dick
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Oh so you're an Ahole and a Dick. Don't get more unique than that :thumbsup:
 
From a dick measuring contest to name calling, if only you guys stuck to the topic. Maybe OP should request the mods to close this thread, nothing good is going to come out of it now.
 
thechamp said:
From a dick measuring contest to name calling, if only you guys stuck to the topic. Maybe OP should request the mods to close this thread, nothing good is going to come out of it now.
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Name calling ? His user/profile name is Ahole and he signed off as Dick.
 
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Robvd said:
Any recommendations on an aftermarket warranty?
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Take Sauronza's advice, but take the 5K car payment and pump it into your bond (needs to be one where the extra funds are accessible). With prime at 10.25%, this is what your investment will earn tax free. After 12 months, you'll have 60k which should be more than enough (and a few months off your bond). If the car breaks, dip into the fund. I know of no other investment that's as solid as that, plus no paperwork, broker's fees or haggling over claims.
 
infscrtyrisk said:
Take Sauronza's advice, but take the 5K car payment and pump it into your bond (needs to be one where the extra funds are accessible). With prime at 10.25%, this is what your investment will earn tax free. After 12 months, you'll have 60k which should be more than enough (and a few months off your bond). If the car breaks, dip into the fund. I know of no other investment that's as solid as that, plus no paperwork, broker's fees or haggling over claims.
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Odd I thought I had mentioned that but seems I didn’t.

Maybe didn’t want to assume there is a home loan at the time. Or just went along with people liking to keep things separate.

I also dump most extras into my bond with a spreadsheet to indicate what is what.
 
The_Traveller said:
Yeah, I have no desire for very fast cars. Ironically I still buy them (R, SQ5,335 etc. albeit not super powerful) , but I prefer unique looking rides all the time.
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So do I. What is more "unique" about your drive?
 
SauRoNZA said:
I also dump most extras into my bond with a spreadsheet to indicate what is what.
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Why do you need a spreadsheet? The simple philosophy (which you disagreed with at one point) is that financing something at a cheaper interest rate is cool as long as you push the extra cash into the long term finance. No use paying off something at a lower interest rate if using a longer repayment term.
 
Splinter said:
Why do you need a spreadsheet? The simple philosophy (which you disagreed with at one point) is that financing something at a cheaper interest rate is cool as long as you push the extra cash into the long term finance. No use paying off something at a lower interest rate if using a longer repayment term.
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Well no I never had a problem using the home loan prepaid account to store money. I had an issue with using a bond extension to finance stuff.

I don’t use mine as a credit facility at all. And as you say like we’ve discussed before the numbers work out as long as you make the appropriate payments but I’ve just always liked keeping my vehicle finance separate.

Besides as it stands now I get more eBucks for it being separate so that’s another thing to consider.

But I only use the spreadsheet in so far as when I plan to pull money out again at some point so I know what went in and don’t end up taking away from the more static amounts attached to my debit orders and such.

So I generate my own annual bonus via home loan and may very well start using it as an MSA next year instead of having Discovery keep my money etc.

Rather than split all that out into another account with a lower interest rate I just keep a spreadsheet.

Besides if you were to do the whole vehicle finance using my home loan I would spreadsheet that as well anyway as I’m just super anal and want to know exactly what is going where and for how long.
 
SauRoNZA said:
Well no I never had a problem using the home loan prepaid account to store money. I had an issue with using a bond extension to finance stuff.

I don’t use mine as a credit facility at all. And as you say like we’ve discussed before the numbers work out as long as you make the appropriate payments but I’ve just always liked keeping my vehicle finance separate.

Besides as it stands now I get more eBucks for it being separate so that’s another thing to consider.

But I only use the spreadsheet in so far as when I plan to pull money out again at some point so I know what went in and don’t end up taking away from the more static amounts attached to my debit orders and such.

So I generate my own annual bonus via home loan and may very well start using it as an MSA next year instead of having Discovery keep my money etc.

Rather than split all that out into another account with a lower interest rate I just keep a spreadsheet.

Besides if you were to do the whole vehicle finance using my home loan I would spreadsheet that as well anyway as I’m just super anal and want to know exactly what is going where and for how long.
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I'm confused - your home loan has separate e-bucks?
 
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