Finance haters gonna hate :-)

Firestar_3x said:
Its interesting actually, since i have:

1) The best premium tyres money can buy with a 225 cross section

2) ABS / EBD / ESP

3) 4 Pot brembos with 312mm discs and redstuff pads at the front

4) discs at the back

5) quite stiff suspension

6) lots of weight

You have:

1) Non Premium tyres with a very small cross section

2) Just ABS

3) Small discs all round

4) Wobble tastic suspension

5) low weight

But lets face it, i could get to 40 and back to 0 before you've even got to 40.
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So the i10 has a weight of about 925kg, I guess weight must increase grip on tyres ?, there is some very complex physics involved.

My bike stops not that well, but will get to 40 and back to 0 before you even done 40 :)
 
Yep, complex stuff indeed, but light weight will be a major advantage at lower speeds, my guess would be as the speed increases the brakes ability to disperse more heat and generate more friction coupled with the wider tyres will make it stop quicker.

spaz said:
Sorry, he will stop quicker than you because with redstuff pads, you won't stop at all :p
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**Tests to be conducted once i've warmed them up, from cold i'm a dead man :p
 
Flukester said:
yes, I wanted brand new, but after finding this one I thought I'd save a couple of grand and end up with same result as getting a new one (ok minus 2 of 5 yrs warranty but heyho)

2000 miles on a car is not very much, wear and tear will be extremely minimal, you can't argue against that

edit: and no it wasnt the same price as a new one, it was cheaper (when you take into consideration finance on both)
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But finance on a new one is 5.9% which is less than half what you pay?
 
Flukester said:
but monthly payments much much higher.... cant remember how much, and not just the odd tenner
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Along with 2 years newer car. 2000 miles less distance. 2 years less rain / rust. 2 years more guarantee. 2 years better resale value when time comes to sell.

I'm genuinely curious if you did or didnt consider those points?
 
[TW]Fox;17235618 said:
But you keep telling us you are loaded so it does not matter? Total cost is lower?
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yes, ... I like to keep finance payments really low rather than pay higher, even if clearly a better deal.

the deal suited my cash flow and I'm not worried about total cost at full length of term, for one as I wont be keeping it full term.
 
matt_fsr said:
Along with 2 years newer car. 2000 miles less distance. 2 years less rain / rust. 2 years more guarantee. 2 years better resale value when time comes to sell.

I'm genuinely curious if you did or didnt consider those points?
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2000 miles is hardly a issue on a modern car ?, even a hyundai
 
Disco Boy said:
Why does a monthly payment matter? you have £7 sat around so it's not like the cash flow is an issue is it?
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I'm not going to run deep into my financials in this thread... it's not big or clever. Generally I don't leave money sitting around, I tie it up, though of course I can 'untie' it if I felt the need.
 
Flukester said:
I'm not going to run deep into my financials in this thread... it's not big or clever. Generally I don't leave money sitting around, I tie it up, though of course I can 'untie' it if I felt the need.
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That's a complex way to say 'I spend money'. Always sounds like you know what you are doing when you tie up instead of buy things and release capital instead of sell things eh :D
 
[TW]Fox;17235711 said:
That's a complex way to say 'I spend money'. Always sounds like you know what you are doing when you tie up instead of buy things and release capital instead of sell things eh :D
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:D, im very good at spending money, but also making it ....sorta balances out

seriously though I buy a lot to sell... if I buy abit less I have more to waste on korean cars etc...in this case I didn't want to have less to sell for a town runabout.

..... or something like that :)
 
Flukester said:
2000 miles is hardly a issue on a modern car ?, even a hyundai
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It isnt an issue when you get to 144k like my car has :p

But if I was paying that much for a car, I'd consider all aspects of it. What would matter far more to me would be the much lower resale value in x years time.

A car that is 2 years newer will fetch a much better price.

But he's loaded so who cares? :D
 
[FnG]magnolia;17235710 said:
I think you may have misunderstood the previous 690-odd entries ...
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Most of which were misinformed (ok by me lol)

I think only one person summed up the finance deal properly and came to the conclusion is wasn't that bad a car / deal... though finance a little spendy (like £10 a week)

At end of day if I had posted before I bought I could have saved a tenner a week... you live and learn huh ;)
 
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matt_fsr said:
It isnt an issue when you get to 144k like my car has :p

But if I was paying that much for a car, I'd consider all aspects of it. What would matter far more to me would be the much lower resale value in x years time.

A car that is 2 years newer will fetch a much better price.

But he's loaded so who cares? :D
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Not that 'much', it's a cheap car, if mint and low milage they don't vary that much in price at all even over 2 years
 
Flukester said:
Miles ?
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Why does the mileage matter - your selling in 2 and half years?

Who cares if it has 2k on the clock, 5k on the clock or 25k on the clock.

You've said she hardly does any miles so in 2 and half years time it's still gonna be 'low mileage' no matter what i10 you got.

All you've done is shafted yourself so you can claim it's 'nearly new'.
 
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