Omega Owners Forum
Chat Area => General Car Chat => Topic started by: tunnie on 17 July 2015, 12:17:51
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MrsT has often hinted, why don't we get a new car? Save you from doing car work!
This popped on that book-of-face site.. (park the dealer name for now, we know how they are) - Also anything about the 1.4 in the Astra :-X
http://www.evanshalshaw.com/brands/vauxhall/vauxhall-new-car-offers/astra-gtc-models/astra-gtc-14i-sport/low-payment/ (http://www.evanshalshaw.com/brands/vauxhall/vauxhall-new-car-offers/astra-gtc-models/astra-gtc-14i-sport/low-payment/)
So...
48 Monthly Payments of - £164.00
On The Road Cash Price - £11,991.00
Customer Deposit - £0.00
Evans Halshaw Deposit Contribution - £1,000.00
Total Amount of Credit - £10,991.00
Total Amount Payable - £14,412.19
First Payment inc fee - £313.00
Option to Purchase Payment Inc Fee - £5,392.19
Term of Agreement 49 months
Rate of Interest (Fixed) 3.82%
So even after shelling out nearly £8k over 4 years, you own bugger all! Have to cough up another ~£5k to own it. Add in the fact that the value of a Vauxhall, drops faster than a brick in a swimming pool. So if you get hit/written off, you will have some fun and games.
That's a shit ton of money, for something you still need to insure, tax and maintain! I don't think I've spend £164 across both of my Omega's maintenance wise this year, including an air-con re-gas for the 3.2
A good reminder I think, need to remember this when I fill up the 3.2 ::) ;D
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Yes.
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Look on the bright side.
After paying out £13264 you will be the proud owner of a four year old 1.4 litre Astra. :)
A lurid green one would be nice.
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Yes.
....we know.
Well. Most of us do ::) :-X ;D
Does a snot green colour help re sale value ? ;D
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Unless your using it for Business, and can write off some of the costs and ownership, total waste of money buying a brand new car.
The car value drops dramatically within the first few feet of driving it off the Forecourt.
If you must do it, by ex demo, near new, failed delivery mileage etc.
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I was having the same discussion with one of the blokes downstairs as we went out in one of the works vans, (made by some lower-end car/van manufacturer based in Dagenham, I forget he name. :y) They of course have the work vans on finance, and we spoke of the costs of keeping them running vs simply trading in and getting a new one.
As I said at the time - all I have to do is spend less than £160 a month on my car and assuming that we factor into that that a modern car of equivalent cc get more to the gallon. In the last month I've spent £145 on her.
Now, that's including £60 on geometry
£25 on a tyre (brand new)
£50 spent at Billing on parts I have no immediate need for, they're literally spares for one day. (which incidentally total retail value comes to something like £200, so hardly 'dead' or 'wasted' money. The lot could be flogged on here tomorrow at the same price I paid in a heartbeat)
So deduct the above, as geometry setups are hardly a monthly occurrence, and tyres wear down on any car andthe figure we arrive at is..
a ten pound note. For a pair of like-new rear control arms, which are freed off, degreased, awaiting paint, ready for fitting this weekend.
And that's me when I'm veritably chucking money at her, just you wait until one month I'm being thrifty ;D :D ;D
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Tried explaining this to the wife. She thinks my miggy is to costly.
Second hand car comes with monthly payments on the loan say £150 - £200 monthly. this year my miggy has cost me to date £50. The car is 17 years old and cost £6500 in 2002 going rate then, which works out at £500 a year since then and every year I own it that figure reduces. I would say it is more financially beneficial than the monthly payments on a second hand vehicle let alone brand new even with repairs, which any vehicle will incur.
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There will be those that say 'After a period of time, you will still get some resale value'.
However, if you save that £164 a month, and just take out repair money for the Omega.....I bet at the end of 4 years or so, you will have a similar amount as to the amount required to buy the new car.
Obviously, haven't done the exact maths .......... :y
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There will be those that say 'After a period of time, you will still get some resale value'.
However, if you save that £164 a month, and just take out repair money for the Omega.....I bet at the end of 4 years or so, you will have a similar amount as to the amount required to buy the new car.
Obviously, haven't done the exact maths .......... :y
Exactly :y
Around £8k after 4 years, excluding MOT/Insurance/Tax, i don't think i spent £164 per year on either 2.2 or 3.2! 8)
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Yep!
And at the end of every week, I drive home in a car which is loaded with velour and leather, cruise control, 18-disc autochanger (I have two spare 6-disc cartridges full of CDs :y) plus a squillion songs via an ipod, if I bust a door mirror I have a spare waiting at home, if I get a wing drove into there's a choice of two at the local scrappy (ok, in completely the wrong colour, but try finding a wing in any colour for a 60-plate Corsa for £10 :y ) instead of a little whiney eurobox hatch with none of the above abilities :) get a diesel and the filter clogs up every 25 minutes, a harsh 'sporrrrty' ride, and it can't be jump-started :)
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Some places are giving free insurance , they must be desperate to sell them :-\
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Some places are giving free insurance , they must be desperate to sell them :-\
Just another perk, insurance in most cases is what, £300 ish? Maybe less, maybe more.
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The flip side is that of course what the world wants, is for no-one to own a second hand car, and we all drive brand new, leased or HP (which if effectively leased, as pointed out in the first post) pieces of effectively disposable boxes. What Mr Car Company wants is not for you to drop by once every year or two to buy a fanbelt or a tub of 10 40, but instead to be drizzling a couple of hundred quid in their accounts on a permanent basis. Of course the instant you notice anything less-than-perfect on your vehicle, simply bring it back, and claim your identical, but slightly newer model. The old one can then the slung to landfill/'recycled' (the ethics and lack of green credentials of taking something perfectly usable, and shipping it to the other side of the world, process it, melt it down and turn it into quite possibly an identical component may be discussed elsewhere ;)) and you drive out with another car with this year's new headlamps, or the newer version of powertrain.
Servicing will become, in a way, a thing of the past, in so far as manufacturers will extend the 'sealed for life' philosophy which even a 'dinosaur' like an Omega has with gearbox, diffs and such. Move forward a generation or two and we'll have Hybrid cars' battery cells which, upon the end of their usable lifespan, the entire unit is chucked in the bin. The concept of replacing the batteries on a car will be completely alien. The same for balljoints, hubs etc... Quite possibly we may see engine designed to 100k on the original factory oil with no means of changing it, whereupon the engine is killed. Who cares? It did its job. In the same way of making a disposable car perhaps anti-corrosion measures may actually be withdrawn as soon as car companies realise that all they have to do is bang a disclaimer in the specs saying 'this vehicle is a disposable product and is designed for a lifespan not exceeding 5 years continued use' or words to that effect. Imagine the weight, and cost you could save by stripping back rustproofing to 1960s levels? Again, 'so what' if the car rots, it's heading for the cuber in less than half a decade anyway.
There is only one member of staff at work who does not believe me to be 'mad' for working on my car, they are all convinced that simply taking it to a garage when the car actually physically ceases to move, and then paying out hundreds of £s to repair or scrap it is by far the better option compared with my 'madness' of cleaning the breathers every now and then, doing an oil change, cleaning the ICV etc.... MAINTENANCE. Therefore, as the home mechanic becomes effectively extinct who is there to work on one of these future vehicles? And at any rate why would you? Sitting in a Costa, downloading the latest car-app, to change the colour of the ambient lighting, download a new dashboard desktop theme to appear on your panoramic touchscreen fascia is going to be far far more pleasant and preferable than fiddling under the bonnet looking for an airleak.
Not a rant, just theorising what the future of 'car' is, and a potential direction. Of course when we can buy a Hydrogen fuel cell-powered spaceframe, and have a brand new 1963 Corvette bodyshell 3D printed for less than the price of a TV and have that sitting up the drive, well, who would buy a 'real' classic? One of those oily, smelly, constantly breaking down things with strange components you have to actually 'service', whatever that means. Only one word occurs by way of an answer. Soul.
Oooh, I should send this off to Autocar and get it printed! :D :D
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Certain people will always queue up to chuck disproportionate amounts of money away to get something new and shiny.
Finance providers will always queue up to lend them the money that allows them to do so.
Doesn't mean there's any sense in it.
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You onto a winner there, I doubt very much I will DIY service next car, unless I take on a 406 HDI from the family.
Otherwise my next motors will be most likey be CLS Merc 320 CDi for me and an A or B Class for MrsT
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I think the way you are meant to look at it is, effectively the £164 a month for ever, and always have a 'new' car.
Start paying for this one, at end of 4 years give it back and start paying £164 a month for the next one.
Repeat infinitum.
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Better buying on HP rather than a PCP, but even then you're chucking money away unless, as Zirk suggests, you can claim the costs back...
And it doesn't take much of a hiccup and you're dropped right in the shit... doesn't much matter if that's a fault prang or another baby either :-\
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I think the way you are meant to look at it is, effectively the £164 a month for ever, and always have a 'new' car.
Start paying for this one, at end of 4 years give it back and start paying £164 a month for the next one.
Repeat infinitum.
This would be a more attractive option if you gave the car back after 12 months and got a 'new' one. :y
.....oh and £64 a month rather than £164.
.....oh........and all servicing included in that £64.
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Ok, since you are asking. My friend claims mileage on his work related trips. Contract dictates car must be less than 5 years old. So any Omega is out of the question.
So he decides to buy above car as per above plan. That works out to a cost of £5.46 per day over the first 4 years. No MOTs to worry about. Breakdown cover included for the first 12 months inc european recovery. Reasonably spacious hatch, smells nice as opposed to a 12 years old banger Omega like mine. Doesnt drip oil or leak from the sunroof like mine. Doesnt need to spend hours on an internet forum looking for help to sort out a variety of problems. In return he gets 50ppm as business mileage.
Could you suggest an alternative? That isnt more than 3 years old (otherwise he would have to change his car in 2 years time). Could he rent a car for £5.46 a day? He could perhaps lease but I dont think he would save much if any at all.
Some things work for some people. Just because you prefer to curtail your expenditure on your car does not mean every one has to follow the same path in life. People can choose what they want to buy and at what price. Not everyone wants to have an unreliable 12 year old banger and get their hands dirty every weekend.
My best mate has just purchased a 911 GT3 RS. No finance involved. But he is happy with the car/price/maintenance costs etc. Just because I cannot afford the same car does not make his purchase wrong in any way or form.
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Cheap and easy car finance here in the US where No Money Down, 72 month 0% deals are common! :)
Which accounts for all those new and shiney pickups and SUV's :y
Hmmm cheap and easy finance in The States...... Haven't we seen this before? ::)
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My 2.2 DTi ...
£180 purchase price 1 yr ago
Since then
- £150 clutch
- £40 pas pump and belt
Otherwise it's cost me next to zilch over the last 20k miles :y
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Cheap and easy car finance here in the US where No Money Down, 72 month 0% deals are common! :)
Which accounts for all those new and shiney pickups and SUV's :y
Hmmm cheap and easy finance in The States...... Haven't we seen this before? ::)
Ah a nice big V8 pickup and cheap fuel , life dont get any better :)
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Cheap and easy car finance here in the US where No Money Down, 72 month 0% deals are common! :)
Which accounts for all those new and shiney pickups and SUV's :y
Hmmm cheap and easy finance in The States...... Haven't we seen this before? ::)
Can you get easy terms for buying houses as well? Now here's a suggestion, why don't the Democrats pass a law making the banks lend on the same easy terms for buying a house to anybody regardless of their earnings and credit record, so they have a stake in the housing market. To cover the odd bad loan they could put a load together as a Collateralized Debt Obligation (CDO) and as most will perform brilliantly to cover the odd one that doesn't the banks can then sell them as AAA rated debt! What could possibly go wrong? :o :o :o :o ;D ;D ;D ;D
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Cheap and easy car finance here in the US where No Money Down, 72 month 0% deals are common! :)
Which accounts for all those new and shiney pickups and SUV's :y
Hmmm cheap and easy finance in The States...... Haven't we seen this before? ::)
Can you get easy terms for buying houses as well? Now here's a suggestion, why don't the Democrats pass a law making the banks lend on the same easy terms for buying a house to anybody regardless of their earnings and credit record, so they have a stake in the housing market. To cover the odd bad loan they could put a load together as a Collateralized Debt Obligation (CDO) and as most will perform brilliantly to cover the odd one that doesn't the banks can then sell them as AAA rated debt! What could possibly go wrong? :o :o :o :o ;D ;D ;D ;D
Sounds vaguely familiar..... ;)
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I have never bought a new car couldn't afford the payment's , this is the newest car i have ever owned (01) and i will keep it till its dies and, i will get another one
(maybe a bigger engine) will be a bigger engine :y.
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2nd car I ever had was a [well] used Mk3 Zephyr4 and I bought it on finance-after all it was up for sale at £99!! Finace lasted 3yrs. car lasted 2yrs!!Swore then that I'd never use finance to buy another car and I never have.However as said elsewhere for some people it works,others of course finance them just to have the newest/shiniest car on the street.Whatever the reason for or against it's each to their own I guess.
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Ok, since you are asking. My friend claims mileage on his work related trips. Contract dictates car must be less than 5 years old. So any Omega is out of the question.
So he decides to buy above car as per above plan. That works out to a cost of £5.46 per day over the first 4 years. No MOTs to worry about. Breakdown cover included for the first 12 months inc european recovery. Reasonably spacious hatch, smells nice as opposed to a 12 years old banger Omega like mine. Doesnt drip oil or leak from the sunroof like mine. Doesnt need to spend hours on an internet forum looking for help to sort out a variety of problems. In return he gets 50ppm as business mileage.
Could you suggest an alternative? That isnt more than 3 years old (otherwise he would have to change his car in 2 years time). Could he rent a car for £5.46 a day? He could perhaps lease but I dont think he would save much if any at all.
Some things work for some people. Just because you prefer to curtail your expenditure on your car does not mean every one has to follow the same path in life. People can choose what they want to buy and at what price. Not everyone wants to have an unreliable 12 year old banger and get their hands dirty every weekend.
My best mate has just purchased a 911 GT3 RS. No finance involved. But he is happy with the car/price/maintenance costs etc. Just because I cannot afford the same car does not make his purchase wrong in any way or form.
Of course not. If somebody wants a Porsche gt3 then bloody go for it I say. But, I'd also still say, don't buy new. As said by the guys previously, "unless it's a business decision" type of thing. :)
Arguably given our roads he'd still be better off with an omega for example, but if you have the passion for a car and the cash, damn right. :y
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unless of course when you rise in the morning, open the curtains & gaze across the road at the neighbours new red mini & with a resentful sneer say "He`s only bought her that new car, cos she`s threatened to leave him twice since christmas" :o How the hell does she know that ???
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A new small car would not impress swmbo, she only want's an Omega or a Mitsubishi Gallant V6...............she's quite cheap, doesn't even drink much when we go out..... :y :y
Tried her with a Mazda6 she would not even go and look at it..... ::) ::)
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If nobody bought/leased a new car every x years, there'd be no 2nd hand cars ;)
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A new small car would not impress swmbo, she only want's an Omega or a Mitsubishi Gallant V6...............she's quite cheap, doesn't even drink much when we go out..... :y :y
Tried her with a Mazda6 she would not even go and look at it..... ::) ::)
New mini..... as in bloated german sausage :-X, agree there I don`t like it either.
anything with a chrome door mirror, apparently will turn a womens head. :-\
" oh I do like that car"; what- where, colour or make women, "oh look at that those bling door mirrors"
I never did catch sight of that car, what has chrome door mirrors anyway ???
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If nobody bought/leased a new car every x years, there'd be no 2nd hand cars ;)
Ex-bloody-actly. ::)
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If nobody bought/leased a new car every x years, there'd be no 2nd hand cars ;)
Where do you reckon all the lease/finance deal cars end up after 3 years ::)
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If nobody bought/leased a new car every x years, there'd be no 2nd hand cars ;)
Where do you reckon all the lease/finance deal cars end up after 3 years ::)
A good few at DK motors ;D
One in particular was a Blue 2.5 cdx omega. ;D ;D :y
Edit to add, it even had LexVehichle leasing on the mats. :)
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If nobody bought/leased a new car every x years, there'd be no 2nd hand cars ;)
Where do you reckon all the lease/finance deal cars end up after 3 years ::)
At auction or a used car dealer for me to buy second hand after someone else has taken the hit on depreciation :y
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There's always a deal to be had on new vehicles which can make it more viable, if that's your thing. I buy all of my vans new because of the heavy usage they get. Last one, an Auto Expert, I got roughly £9k (about 30%) off list price, meaning the initial depreciation hit has already happened before I bought it brand new ;)
I've actually just done a deal for a very close friend of my mum (who is giving her his old car when the new one arrives) on a Peugeot 2008. Got him about £5k off (or nearly 25%) so, again, the initial hit is minimal. Now this is someone who can't do any DIY and only really understands where to put the fuel! So he's got a brand new car that he really wants and will keep 10 years or so, at a price he is happy with. The only condition is that it has to be registered to me first because it is on a business discount ;)
SWMBO had a brand new Panda in 2009... Again, I got sufficient discount that the first year hit was minimal.
Deals are there to be had, if you are willing to go and get them.
That said, I wouldn't buy a brand new car for myself because of my requirements of big, luxurious car. Unless, of course, I won the lottery... Then I might consider it! ;D
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Oooh yes lottery win, straight down to Belingers for a Fast black gts sport wagon thankyouverymuchyesindeedthankyoukindly :y ;D
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Ok, since you are asking. My friend claims mileage on his work related trips. Contract dictates car must be less than 5 years old. So any Omega is out of the question.
So he decides to buy above car as per above plan. That works out to a cost of £5.46 per day over the first 4 years. No MOTs to worry about. Breakdown cover included for the first 12 months inc european recovery. Reasonably spacious hatch, smells nice as opposed to a 12 years old banger Omega like mine. Doesnt drip oil or leak from the sunroof like mine. Doesnt need to spend hours on an internet forum looking for help to sort out a variety of problems. In return he gets 50ppm as business mileage.
Could you suggest an alternative? That isnt more than 3 years old (otherwise he would have to change his car in 2 years time). Could he rent a car for £5.46 a day? He could perhaps lease but I dont think he would save much if any at all.
Some things work for some people. Just because you prefer to curtail your expenditure on your car does not mean every one has to follow the same path in life. People can choose what they want to buy and at what price. Not everyone wants to have an unreliable 12 year old banger and get their hands dirty every weekend.
My best mate has just purchased a 911 GT3 RS. No finance involved. But he is happy with the car/price/maintenance costs etc. Just because I cannot afford the same car does not make his purchase wrong in any way or form.
Of course not. If somebody wants a Porsche gt3 then bloody go for it I say. But, I'd also still say, don't buy new. As said by the guys previously, "unless it's a business decision" type of thing. :)
Arguably given our roads he'd still be better off with an omega for example, but if you have the passion for a car and the cash, damn right. :y
I disagree. Why should you not buy new if you can get a good deal (as per LD's post above, there are deals to be had), can afford it and want the luxury of a new car?
Do you buy second hand gifts for your family for Christmas? What about left overs from your local chippie for breakfast? Second hand pacifier for your baby? Or even used undergarments and shoes off ebay (they are there if you look)?
People have different priorities and disposable incomes. So just because the OP likes running a 10+ year old car, driving extremely slowly to save fuel and getting his hands dirty on the weekend does not mean the rest of the world has to follow suit. In fact be thankful that some people do spend money on new cars that enables you to pick up a used bargain 10 years down the line.
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I've got several speeding tickets to my name :y
Should also add, in last 12 months all I have done is pop some new spark plugs, air filter and pollen filter in the 2.2 and the 3.2 has had an oil change. That is all. Not exactly much!
DIY is a big benefit though, if I had to garage service the Omega's they would have gone long ago
I think a basic bank loan is best way for a new car, personally I would never, ever touch car credit.
I'd never buy new either, 18 months old is about the best age. But luxo barges, makes sense for a 5+ years old.
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I've got several speeding tickets to my name :y
Should also add, in last 12 months all I have done is pop some new spark plugs, air filter and pollen filter in the 2.2 and the 3.2 has had an oil change. That is all. Not exactly much!
DIY is a big benefit though, if I had to garage service the Omega's they would have gone long ago
I think a basic bank loan is best way for a new car, personally I would never, ever touch car credit.
I'd never buy new either, 18 months old is about the best age. But luxo barges, makes sense for a 5+ years old.
How on earth did someone with your reputation for travelling slowly manage to rack up multiple speeding tickets? :-\
And why the thumbs up? :-\
The three key attributes that will keep you safe on the road are observation, observation & observation. If you travel slowly but still get speeding tickets I worry for you and your fellow road users :(
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Nothing handles like a hire car in another country :D
Got done in Slovenia :(
Also got done for 50 in a 30 zone, managed to get a course :o
So don't believe all you read here, on how heavy my right foot is!
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Ok, since you are asking. My friend claims mileage on his work related trips. Contract dictates car must be less than 5 years old. So any Omega is out of the question.
So he decides to buy above car as per above plan. That works out to a cost of £5.46 per day over the first 4 years. No MOTs to worry about. Breakdown cover included for the first 12 months inc european recovery. Reasonably spacious hatch, smells nice as opposed to a 12 years old banger Omega like mine. Doesnt drip oil or leak from the sunroof like mine. Doesnt need to spend hours on an internet forum looking for help to sort out a variety of problems. In return he gets 50ppm as business mileage.
Could you suggest an alternative? That isnt more than 3 years old (otherwise he would have to change his car in 2 years time). Could he rent a car for £5.46 a day? He could perhaps lease but I dont think he would save much if any at all.
Some things work for some people. Just because you prefer to curtail your expenditure on your car does not mean every one has to follow the same path in life. People can choose what they want to buy and at what price. Not everyone wants to have an unreliable 12 year old banger and get their hands dirty every weekend.
My best mate has just purchased a 911 GT3 RS. No finance involved. But he is happy with the car/price/maintenance costs etc. Just because I cannot afford the same car does not make his purchase wrong in any way or form.
Of course not. If somebody wants a Porsche gt3 then bloody go for it I say. But, I'd also still say, don't buy new. As said by the guys previously, "unless it's a business decision" type of thing. :)
Arguably given our roads he'd still be better off with an omega for example, but if you have the passion for a car and the cash, damn right. :y
I disagree. Why should you not buy new if you can get a good deal (as per LD's post above, there are deals to be had), can afford it and want the luxury of a new car?
Do you buy second hand gifts for your family for Christmas? What about left overs from your local chippie for breakfast? Second hand pacifier for your baby? Or even used undergarments and shoes off ebay (they are there if you look)?
People have different priorities and disposable incomes. So just because the OP likes running a 10+ year old car, driving extremely slowly to save fuel and getting his hands dirty on the weekend does not mean the rest of the world has to follow suit. In fact be thankful that some people do spend money on new cars that enables you to pick up a used bargain 10 years down the line.
...disagree with reality. Fire away. Off to the Bmw dealers with you, and their BMW economics designed for the unwary with more money than sense. I'm just the stupid kid from the local comprehensive that spent more time over the fields on his bike than he did in class. And even I know you'll be fishing money up the wall. ;D there is NO Escaping that fact.
If you can afford to do so, fire away. But then wtf are you doing hanging round here? Off to Bmw land or whatever their forums called.
I presume your education is good enough to fathom the indicators btw? Hmm? ;D
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Your post just repeats the point I am trying to make. A person makes money to enjoy the niceties of life. If someone can afford to buy a new BMW then that doesnt make them stupid or abnormal. It just means that they have a disposable income that allows them to make a purchase without having to worry about it. NOT "more money than sense" as you state; simply more money than you can afford to spend/want to spend!
I presume you go on holidays? Isnt that wasting money? I mean why go on holiday when you could save money and sit at home?
Or why waste money buying prezzies at Christmas? Save that too. Only a fool would waste money on gifts that are going to be thrown away within a few months? Correct?
Statements like "I'm just the stupid kid from the local comprehensive" dont really help. What are you trying to prove? That you havent got a good education? Or a good job? Or a good lifestyle? I would think not. So keep it sensible. My mate who bought the 911 was also state educated and earns £175k per year, he is only 37. Why should he not buy a new BMW with that sort of a salary?
As to what I am doing hanging round here; I didnt realise there was a financial barrier to being a forum member. Could you clarify where that is in the forum rules?
In response to Tunnie, the best bank loan rates are 6.5 - 7.9% APR. Your example is 7.4% APR? So not that bad really. And you have the advantage that if your circumstances were to change, you can simply hand the car back and not worry about the last 5k. Remember a recent discussion by a member with a car with outstanding finance?
Also if you have a problem with the car and say you get to the point of having to reject it or you are having issues getting the dealer to sort out a problem with the car; then having the car on finance is very helpful as you can put the onus on the finance company to pressurise the dealer to sort out your problems. Friend of ours had a Golf R on finance with significant paint issues. The dealership was not helpful and it was the finance company that helped sort it out in the end (remember they own the car till you pay it all off, so have a vested interest in sorting out any issues with it).
It is similar to credit card purchases. I put everything through my credit card (greater than £100) as then I get protection via my credit card (Section 75 of the Consumer Credit Act). This may be the deposit on a new or used car. As long as it is over £100.
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D. Are you suffering from depression?
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D. Are you suffering from depression?
Do you really think that is funny? Sometimes I do not understand you. Why do you need to ridicule everything including a mental health condition?
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D. Are you suffering from depression?
Do you really think that is funny? Sometimes I do not understand you. Why do you need to ridicule everything including a mental health condition?
It's a genuine question out of concern.
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D. Are you suffering from depression?
Do you really think that is funny? Sometimes I do not understand you. Why do you need to ridicule everything including a mental health condition?
It's a genuine question out of concern.
Why,because he didn't agree with you,not everyone has too you know ::)
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One of the few freedoms left in this country is how we spend our money after we have paid our essential bills and there is no right or wrong how you spend it, just what is right for you and your dependents. :y :y :y
People's priorities also depend upon their personal circumstances. Somebody that earns mega money through working very long hours, would say that the money they would lose through instead of working, by repairing a car, would cost them more than throwing money at a new / leased car every 3 years, where any problems are for the garage to sort out. Shortage of time and time management are their priorities. Whereas somebody working a 37 hour week or maybe only part time and struggling to run a car, would say a cheap secondhand one and home maintenance is essential. Then there's the hobbyist who enjoys repairing his car, so regardless of money would do it for the enjoyment. :y :y :y
So IMO this thread and some very opinionated opinions and arguments are all a bit pointless as it is horses-for-courses and what personally suits you and your circumstances. :y :y :y
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One of the few freedoms left in this country is how we spend our money after we have paid our essential bills and there is no right or wrong how you spend it, just what is right for you and your dependents. :y :y :y
People's priorities also depend upon their personal circumstances. Somebody that earns mega money through working very long hours, would say that the money they would lose through instead of working, by repairing a car, would cost them more than throwing money at a new / leased car every 3 years, where any problems are for the garage to sort out. Shortage of time and time management are their priorities. Whereas somebody working a 37 hour week or maybe only part time and struggling to run a car, would say a cheap secondhand one and home maintenance is essential. Then there's the hobbyist who enjoys repairing his car, so regardless of money would do it for the enjoyment. :y :y :y
So IMO this thread and some very opinionated opinions and arguments are all a bit pointless as it is horses-for-courses and what personally suits you and your circumstances. :y :y :y
Finally, a reasonable post.
Cannot agree more, spend as you see fit and what suits your circumstances. Calling someone stupid just because they choose to spend money (on something they like) is plainly not correct.
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D. Are you suffering from depression?
Do you really think that is funny? Sometimes I do not understand you. Why do you need to ridicule everything including a mental health condition?
It's a genuine question out of concern.
Why,because he didn't agree with you,not everyone has too you know ::)
Not at all, because he only ever posts to disagree with aggression. Not one post helpful post. Not one post of participation. Not a kind or helpful word to say to anyone. Can't fix his omega, won't ask for or accept help to do so. It therefor must be the car at fault as the windscreen seal is leaking, among other very minor issues. Obviously these, iirc, mean the omega should be replaced.
Ok fine, but don't tell me it's not more expensive to replace the car with a new one than fix the old one. ;D
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One of the few freedoms left in this country is how we spend our money after we have paid our essential bills and there is no right or wrong how you spend it, just what is right for you and your dependents. :y :y :y
People's priorities also depend upon their personal circumstances. Somebody that earns mega money through working very long hours, would say that the money they would lose through instead of working, by repairing a car, would cost them more than throwing money at a new / leased car every 3 years, where any problems are for the garage to sort out. Shortage of time and time management are their priorities. Whereas somebody working a 37 hour week or maybe only part time and struggling to run a car, would say a cheap secondhand one and home maintenance is essential. Then there's the hobbyist who enjoys repairing his car, so regardless of money would do it for the enjoyment. :y :y :y
So IMO this thread and some very opinionated opinions and arguments are all a bit pointless as it is horses-for-courses and what personally suits you and your circumstances. :y :y :y
Finally, a reasonable post.
Cannot agree more, spend as you see fit and what suits your circumstances. Calling someone stupid just because they choose to spend money (on something they like) is plainly not correct.
Rods you've fallen into the trap. D has manipulated this to appear that there's some sort of argument. There's isn't. I don't give a shot who spends money in what. In fact if you re read you'll see that I agree. If you want something go for it.
But here's the point. It IS more expensive. Simple maths. Most expensive omega, say 3k for arguments sake. Fix every common issue. Say another 3k working worst way.
Now. Find me a new car for 6k.
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If your not cable of diy, that will cost you as well btw. If you don't have the time, that will cost you. And so on. But it will still be cheaper than a new car. ANY new car.
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D. Are you suffering from depression?
Do you really think that is funny? Sometimes I do not understand you. Why do you need to ridicule everything including a mental health condition?
It's a genuine question out of concern.
Why,because he didn't agree with you,not everyone has too you know ::)
Post 26. ;)
Actually no. I'll start again.
Of course, disagreeing with me is entirely a ridiculous notion. Apparently we all have to think the same, get along, and never dis agree on anything. ;D ;D ;D
:D ;)
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Perhaps the economics are not so ridiculous. IF you know nothing about cars so DIY isn't an option. Consider a brand new Kia Rio 1.4cdti, run for 7yrs and 90k (12k pa). This is a pertinent example as it's what my colleague has just bought £13,500 plus £500 for 5 services (5yrs worth).
Assuming 2 remaining services are £150 each.
Car cost: £13,500
Finance cost £800 (based on double what I've just paid for £15k bank loan over 2yrs)
Servicing £800
Tax £210 (£30 pa)
Insurance £1260 (based on actual quote for me of £180 pa)
Fuel £10,600 (based on his actual 50mpg)
Residual £1500 (guess)
Total cost: £25,670
Vs an omega
Car cost: £800 (buy a good'un, treat yourself ;))
Servicing £500 (£70 pa - probably would need more than this)
Tax £2100 (£300 pa)
Insurance £2100 (based on actual quote for me of £300 pa)
Fuel £19000 (based on my actual 26.5mpg)
Residual £200 (scrap)
Total cost: £24,700
So, for the privilege of lying under your car for 7years, you've saved a grand total of £970. Or £2.66 per week.
Now, it's arguable that an omega is a nicer place to be than a Rio. However, that's personal opinion so should not be considered. Especially as some would argue being easier to park and more reliable is more important! I've also not factored anything outside of routine servicing, again I think the Rio would benefit if this were included.
Now, you could lpg, and assuming a 40% fuel saving you would save a further £6k (after fitting cost). However that adds a further level of servicing. Also it's not practical for everyone and would still only see you make savings of £20.87 per week.
If you aren't someone who can DIY, I'd wager the miggy would cost you significantly more. Perhaps let's not be so quick to rubbish the new option ;).
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A £13,000 Kia is not a comparison... Especially when you completely ignore the not insignificant issue of £12,800 depreciation on the Kia ::)
Redo those numbers with a 12 year old Astra ;)
Like for like, you should be comparing the Omega with a brand new 525 or E250... And factoring in seven years depreciation to boot...
Ignoring of course the whole using finance to buy the bloody thing in the first place :-X
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A £13,000 Kia is not a comparison... Especially when you completely ignore the not insignificant issue of £12,800 depreciation on the Kia ::)
Why not? It has AC, heated seats, dab, cruise, MP3 cd and (in the case of my 2.2) is as fast. Aesthetics shouldn't come into a rational debate on cost. Also, look at the resale values I used. Depreciation is factored in ::).
Ignoring of course the whole using finance to buy the bloody thing in the first place :-X
Finance cost is in there too. Did you even read what I wrote before replying? ;)
Like for like, you should be comparing the Omega with a brand new 525 or E250... And factoring in seven years depreciation to boot
Why?? These cars are faster, better equipped, safer and more economical. Not to mention that Vaux is not an equivalent premium brand. The only way a miggy is objectively comparable to these is kerb weight.
The original post was new vs old in terms of cost. I was trying to demonstrate it isn't that clear cut.
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Plus, you forget lpg potential. 1/3 saving of fuel, plus you need somewhere to put the tank. Which means a bigger car. Which means the Rio is not comparable to the Omega. Hence the Astra referance.
Rio not too bad a car tbh. But it's too small for my needs. And of course, is Wrong wheel drive.
Finance deals obviously add their cut on top of the purchase price. You might get 0% interest, but it's rarely available on the top models more on the stuff they want shifted, and immediately you loose any bargaining power on the purchase price as the finance company takes that as their profit.
If you need finance then question if you can actually afford it. There's always the fact the finance frees up cash flow, but that has a cost. Thereby adding the massive differential between what's paid in total, and what the car is actually worth.
Like adding loans to a mortgage which is the most expensive form of loan there is, car finance and depreciation runs it to second place.
So, unless you have a massive tax bill that needs offsetting, buy cheaper, buy used, and keep your cash in YOUR pocket. Not someone else's.
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Oh AND there's the old warranty/servicing conundrum to add in as well. Adding to the cost of the new car as dealer servicing prices claw at the wallet further to keep a warranty valid that you'll have to fight to enforce anyway should it go wrong.
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New cars can make sense... Must admit I've considered it for my business use as the Omega is taking a bashing now with a lot of work travel!
But... You have to be able to get a very good deal and understand that it will depreciate!
I've also considered another cheap Omega and running it into the ground ;)
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Perhaps the economics are not so ridiculous. IF you know nothing about cars so DIY isn't an option. Consider a brand new Kia Rio 1.4cdti, run for 7yrs and 90k (12k pa). This is a pertinent example as it's what my colleague has just bought £13,500 plus £500 for 5 services (5yrs worth).
Assuming 2 remaining services are £150 each.
Car cost: £13,500
Finance cost £800 (based on double what I've just paid for £15k bank loan over 2yrs)
Servicing £800
Tax £210 (£30 pa)
Insurance £1260 (based on actual quote for me of £180 pa)
Fuel £10,600 (based on his actual 50mpg)
Residual £1500 (guess)
Total cost: £25,670
Vs an omega
Car cost: £800 (buy a good'un, treat yourself ;))
Servicing £500 (£70 pa - probably would need more than this)
Tax £2100 (£300 pa)
Insurance £2100 (based on actual quote for me of £300 pa)
Fuel £19000 (based on my actual 26.5mpg)
Residual £200 (scrap)
Total cost: £24,700
So, for the privilege of lying under your car for 7years, you've saved a grand total of £970. Or £2.66 per week.
Now, it's arguable that an omega is a nicer place to be than a Rio. However, that's personal opinion so should not be considered. Especially as some would argue being easier to park and more reliable is more important! I've also not factored anything outside of routine servicing, again I think the Rio would benefit if this were included.
Now, you could lpg, and assuming a 40% fuel saving you would save a further £6k (after fitting cost). However that adds a further level of servicing. Also it's not practical for everyone and would still only see you make savings of £20.87 per week.
If you aren't someone who can DIY, I'd wager the miggy would cost you significantly more. Perhaps let's not be so quick to rubbish the new option ;).
Been away fromthis thread for a few days and it appears things have become more heated than the front seat of an Omega PFL with a black interior in direct sunlight :)
Have to say, however, as an advocate of the 'bangernomics' the above post has brought a very fair point to the table, and although I could start splitting hairs about 'ooh, that cost is off here and there by a few p' etc I have to say that's a surprisingly similar lump of cost, there. Of course a Kia Rio isn't a comparable vehicle in many ways, as said, but the point about a car that goes, stops, and will do so on a cold and frosty morning reliably makes that almost identical final sum total very....worrying/interesting/shocking in equal measure.
Having just learned that I'm earning slightly less than I thought I was, and basically at one gnat's hair's breadth above minimum wage, the bangernomics, vs a brand new 525 etc will have to wait. I'm one of those people that will gladly spend my hard-earned on eg: a set of 30 pieces of royal worcester 70s tacky vintage crockery for £20, rather than the same sum on some brand new Tesco rubbish, or some made in Sheffield scissors for 50p at a car boot, that will still be sharp in 20 years, instead of some Poundland ones that will be blunt in a year, and so on and so on. But nevertheless that comparison does make interesting reading. And of course the fact that if people didn't but the things new in the first place, there'd be no second hand cars/crockery/scissors is a very fair point. :)
The lively debate is good to see, I say :)
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Also I'm averaging 21.9mpg.
eek! :D
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My 2.2 LPG, if I had a diesel car it would need to average 54mpg , to give me same cost on the wallet. So Kia is no better on fuel.
I've looked at these service plans, considering one if i went Merc,£500 for few years, £40 a month etc. It's only basic oils and filters.
It won't take into account, brake discs, pads, shocks, belts, exhaust, sensor failures etc. So I doubt the service costs would be fixed for the term.
So based on Jimmys figures, I've saved more like £10k :)
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tunnie:
In many ways (mixing my metaphors) I'm playing Devil's advocate to the choir!
I don't run a new Rio, and I doubt it would make sense for anyone on this forum to do so either - by virtue of the fact that we are here, we are, by necessity or inclination, people who take an interest in and work on, our own cars.
However, in many ways, a large saloon car, with a heavily modified fuel system (such as yours) is a highly specialist vehicle which would not suit 90%+ of road users. Ie, those who don't understand and don't want to take the time to understand their cars.
For a lot of people, "a minor vac leak" or similar expected minor annoyances would be a £200 bill (£75 for "diagnostics" to see what the light on the dash was and onwards from there) add to that the "fear" of being stranded or left with a big bill. Now in reality the bill probably wouldn't be "big", but most people don't know that.
Also, its worth considering that, although married I currently don't have any children. My opinions on new vs old might well change when a 2hr service or a day changing belts is time which I don't get to spend with my wife and children. When that time comes, tinkering has a whole additional cost associated with it. A young family means that there are moments which are both brief and never come again and I wouldn't want to miss them because I was lying under a banger! Add to that I don't know how I would feel putting them in a car with no ISOFIX points that was 3 star rated over a decade ago.
Just my 2p ;)
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Some good points there :y
I became a father myself 14 months ago now, after 10 years of running Omega's now that there is a MrsT and Little MissT, DIY service does become less attractive. (mainly time being the issue) Given the situation I'm now in, both my Omega's combined in value would barely crack £1k, so really sod all point in selling them. All adverts I see for new cars, easily start at £199/m - Hence my post on the economics of it all.
As you say, even a brand new car can get issues, and easily get stung by £300 bill. Something thanks to OOF, Omega issues could be sorted for a fraction of that.
I would not consider the LPG a heavily modified system personally, it still drives just the same, the filler point is just different. But I see your point, I get many odd looks when filling up with LPG.
ISOFix, well that's an interesting one too. Neither of mine have it, but the Omega is a big and fairly safe car. I've been quite happy with the seat belt method using a Maxi-Cosi Easybase2, it's very secure. The law around child seats is a bit of a mine field, there is talk if rear facing becoming law for much longer. Also, ISOFix vs the so called i-Size which is being introduced:
http://www.huffingtonpost.co.uk/2015/04/04/child-car-seat-confusion-our-guide-to-the-new-regulations-and-products_n_7331866.html (http://www.huffingtonpost.co.uk/2015/04/04/child-car-seat-confusion-our-guide-to-the-new-regulations-and-products_n_7331866.html)
Given the miles each car does (~3k for 3.2 - ~7k for 2.2 and ~5k on the bike), for me new cars do not make sense. If forced, but hoping not for at least 3 years, will most likey go down the route of a Merc CLS 320 for me, around 2006-9 Vintage and a Merc A or B Class for MrsT.
This appeals to me:
http://www.autotrader.co.uk/classified/advert/201507054933714?radius=1500&channel=cars&make=mercedes-benz&search-target=usedcars&maximum-mileage=up_to_80000_miles&fuel-type=diesel&onesearchad=used%2Cnearlynew%2Cnew&sort=default&page=5&price-from=6000&postcode=tw89de&model=cls&logcode=p (http://www.autotrader.co.uk/classified/advert/201507054933714?radius=1500&channel=cars&make=mercedes-benz&search-target=usedcars&maximum-mileage=up_to_80000_miles&fuel-type=diesel&onesearchad=used%2Cnearlynew%2Cnew&sort=default&page=5&price-from=6000&postcode=tw89de&model=cls&logcode=p)
and this for MrsT:
http://www.autotrader.co.uk/classified/advert/201507185307210?channel=cars&onesearchad=used%2Cnearlynew%2Cnew&maximum-mileage=up_to_80000_miles&fuel-type=diesel&search-target=usedcars&make=mercedes-benz&sort=default&radius=1500&model=a_class&postcode=tw89de&price-from=6000&page=1&logcode=p (http://www.autotrader.co.uk/classified/advert/201507185307210?channel=cars&onesearchad=used%2Cnearlynew%2Cnew&maximum-mileage=up_to_80000_miles&fuel-type=diesel&search-target=usedcars&make=mercedes-benz&sort=default&radius=1500&model=a_class&postcode=tw89de&price-from=6000&page=1&logcode=p)
Both those cars new for me to buy would be significantly more, CLS was what, £50k new, the A, around £15?
So for £15k combined, got £60k's+ worth of car new.
Downside of course is need to find an independent to service them, plus fact things could go wrong. (but my miles are fairly low) - But I think I'd much rather have a CLS, enjoy driving that and factor in those costs, than drive a 1.4 Astra drab box :)
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Funny you should post the CLS, I've hung my nose over one more than once in the past, always been too tight though :P. Love the exterior styling, unlike most other things on the road!
Also, in the interests of shooting my new car argument in the foot, I have NOTHING to recommend a brand new car over one like this which is 8 months and 5,000 miles old and is less than £10k (http://www.autotrader.co.uk/classified/advert/201505303885411?fuel-type=diesel&make=kia&radius=1500&maximum-mileage=up_to_25000_miles&sort=default&page=1&channel=cars&maximum-age=up_to_1_year_old&onesearchad=used%2Cnearlynew%2Cnew&postcode=dy116tu&search-target=usedcars&engine-size-cars=1-4l_to_1-6l&model=rio&logcode=p) ::)
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We looked at the A class when sorting out a comoAny car for H's work. Golf Td with double clutch auto gear box won that contest hands down. But only because we wouldn't be paying for the auto box repairs if it went wrong. A manual though....?
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Cls nice car. (I can't cope with the boot shape personally) some very nice features I would like. But then I look at the omega on the drive that owes me nothing and think, are those features worth 10k extra or x amount a month ? When diesel economics works out so similar to lpg...?
These are all decisions taken to drive at the car I already have. But that's not to say we should revisit the subject of course.
How much would I spend ? Depends on the performance available. Vxr8 type performance costs a lot more. But is cheap compared to other models that perform similarly. Is more reliable and costs less to run in parts. Economy will depend entirely how it's driven. (Do that will be expensive then! ;D )
But even the vxr8 that I desperately crave, or the Phaeton is cheap now too, are they that much better to warrant the outlay? Well, omega still on the drive. That answers that then :y ;D
Inevitably though, an older car will over load its owner with repairs. We all have dfifferant tollersnce levels to that.
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Just announced that diesel is cheaper than petrol for the first time in 15 years.... dammit, when I bought my V6 (replacing the Turbo Weasel) those few short months ago, such was the difference that the extra few % in lower mpg, vs. the money saved by owning petrol meant I was averaging a mere £1 extra per week to own a petrol 167bhp sexy vixen, instead of a saggy old Turbo Weasel, hehe.
I'll be sticking to my Omega for the every day car until they're at the scarcity of a Carlton, and then she'll be upgraded to weekend fun car. By then I'll be onto an XF Estate, A8 or something I hope as my daily driver :)
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Funny you should post the CLS, I've hung my nose over one more than once in the past, always been too tight though :P. Love the exterior styling, unlike most other things on the road!
Also, in the interests of shooting my new car argument in the foot, I have NOTHING to recommend a brand new car over one like this which is 8 months and 5,000 miles old and is less than £10k (http://www.autotrader.co.uk/classified/advert/201505303885411?fuel-type=diesel&make=kia&radius=1500&maximum-mileage=up_to_25000_miles&sort=default&page=1&channel=cars&maximum-age=up_to_1_year_old&onesearchad=used%2Cnearlynew%2Cnew&postcode=dy116tu&search-target=usedcars&engine-size-cars=1-4l_to_1-6l&model=rio&logcode=p) ::)
Hummm yeah, drive that or my 3.2 Elite. Humm! ;D
How much would I spend ? Depends on the performance available. Vxr8 type performance costs a lot more. But is cheap compared to other models that perform similarly. Is more reliable and costs less to run in parts. Economy will depend entirely how it's driven. (Do that will be expensive then! ;D )
But even the vxr8 that I desperately crave, or the Phaeton is cheap now too, are they that much better to warrant the outlay? Well, omega still on the drive. That answers that then :y ;D
Inevitably though, an older car will over load its owner with repairs. We all have dfifferant tollersnce levels to that.
Here is the problem, if my 2.2 gets written off by a truck tomorrow. Would I replace it with a CLS or pay around 10% cost of a CLS to LPG the 3.2? Think I'd be keeping the 3.2 :-\
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Funny you should post the CLS, I've hung my nose over one more than once in the past, always been too tight though :P. Love the exterior styling, unlike most other things on the road!
Also, in the interests of shooting my new car argument in the foot, I have NOTHING to recommend a brand new car over one like this which is 8 months and 5,000 miles old and is less than £10k (http://www.autotrader.co.uk/classified/advert/201505303885411?fuel-type=diesel&make=kia&radius=1500&maximum-mileage=up_to_25000_miles&sort=default&page=1&channel=cars&maximum-age=up_to_1_year_old&onesearchad=used%2Cnearlynew%2Cnew&postcode=dy116tu&search-target=usedcars&engine-size-cars=1-4l_to_1-6l&model=rio&logcode=p) ::)
Brand new car via DTD is £12500 with 0% APR. So cost for a new car once you subtract a bank loan @ an average 7% APR would be £1250 more than the used car. Then take away £110 for first year road tax and it is £1140 more for the new car. Now that is a deal available to all via DTD. There will be dealer specific deals that will narrow the gap even more. Sub £1000 why would you want to buy a used car? I would go for the new car.
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Funny you should post the CLS, I've hung my nose over one more than once in the past, always been too tight though :P. Love the exterior styling, unlike most other things on the road!
Also, in the interests of shooting my new car argument in the foot, I have NOTHING to recommend a brand new car over one like this which is 8 months and 5,000 miles old and is less than £10k (http://www.autotrader.co.uk/classified/advert/201505303885411?fuel-type=diesel&make=kia&radius=1500&maximum-mileage=up_to_25000_miles&sort=default&page=1&channel=cars&maximum-age=up_to_1_year_old&onesearchad=used%2Cnearlynew%2Cnew&postcode=dy116tu&search-target=usedcars&engine-size-cars=1-4l_to_1-6l&model=rio&logcode=p) ::)
Brand new car via DTD is £12500 with 0% APR. So cost for a new car once you subtract a bank loan @ an average 7% APR would be £1250 more than the used car. Then take away £110 for first year road tax and it is £1140 more for the new car. Now that is a deal available to all via DTD. There will be dealer specific deals that will narrow the gap even more. Sub £1000 why would you want to buy a used car? I would go for the new car.
That has been my point... Deals are there to make new viable if you are looking to spend that much money ;)
Tunnie, look carefully at A Class... They have their issues ;)
As for safety... I'd rather have my child seat strapped in with a seatbelt (fitted by me) in an Omega than a small car. There's a lot of metal around her in an Omega ;) Plus... I reckon her seat in my car is probably tighter than an ISOFIX one would be anyway ::)
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Funny you should post the CLS, I've hung my nose over one more than once in the past, always been too tight though :P. Love the exterior styling, unlike most other things on the road!
Also, in the interests of shooting my new car argument in the foot, I have NOTHING to recommend a brand new car over one like this which is 8 months and 5,000 miles old and is less than £10k (http://www.autotrader.co.uk/classified/advert/201505303885411?fuel-type=diesel&make=kia&radius=1500&maximum-mileage=up_to_25000_miles&sort=default&page=1&channel=cars&maximum-age=up_to_1_year_old&onesearchad=used%2Cnearlynew%2Cnew&postcode=dy116tu&search-target=usedcars&engine-size-cars=1-4l_to_1-6l&model=rio&logcode=p) ::)
Brand new car via DTD is £12500 with 0% APR. So cost for a new car once you subtract a bank loan @ an average 7% APR would be £1250 more than the used car. Then take away £110 for first year road tax and it is £1140 more for the new car. Now that is a deal available to all via DTD. There will be dealer specific deals that will narrow the gap even more. Sub £1000 why would you want to buy a used car? I would go for the new car.
That has been my point... Deals are there to make new viable if you are looking to spend that much money ;)
Tunnie, look carefully at A Class... They have their issues ;)
As for safety... I'd rather have my child seat strapped in with a seatbelt (fitted by me) in an Omega than a small car. There's a lot of metal around her in an Omega ;) Plus... I reckon her seat in my car is probably tighter than an ISOFIX one would be anyway ::)
MrsT's Mum has had an A-Class, had no issues for her. But will look into it when the time comes :y
However I don't plan to change either until I have to, or 'told to' ::) so that means a 7 seater when the time comes :-X
I've not actually tried an ISOFIX, but the seatbelt setup works well, the base is really solid. As you say, there is a lot of boot, bonnet and doors in the Omega.
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... so that means a 7 seater when the time comes :-X
.....
Mercedes R Class :y :y :y
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A £13,000 Kia is not a comparison... Especially when you completely ignore the not insignificant issue of £12,800 depreciation on the Kia ::)
Why not? It has AC, heated seats, dab, cruise, MP3 cd and (in the case of my 2.2) is as fast. Aesthetics shouldn't come into a rational debate on cost. Also, look at the resale values I used. Depreciation is factored in ::).
Because the Omega was well over double the price new... comparing a 21-28 mpg exec saloon with a diseasal grotbox isn't in any way, shape or form a fair fight. Besides, anyone of sound mind would buy a delivery mileage pre reg Astra for £13k if they were looking for a modest family car... hell, my first Insignia was only £12,500... 2.0 CDTI, alloys, aircon, cruise, and that had a whole 35 miles on the clock when I collected it ::)
Ignoring of course the whole using finance to buy the bloody thing in the first place :-X
Finance cost is in there too. Did you even read what I wrote before replying? ;)
No, I replied blind drunk... of course I read it. I was refering to the principal of using finance to buy it ;)
Like for like, you should be comparing the Omega with a brand new 525 or E250... And factoring in seven years depreciation to boot
Why?? These cars are faster, better equipped, safer and more economical. Not to mention that Vaux is not an equivalent premium brand. The only way a miggy is objectively comparable to these is kerb weight.
The original post was new vs old in terms of cost. I was trying to demonstrate it isn't that clear cut.
The Omega is the same size as those two alternatives. Ok, so Vauxhall isn't a premium brand, but neither of those suggestions have heated rear seats, a sunroof, dual zone climate control or 17" wheels as standard. And comparing like for like physically, using the Omega as a starting point is very relevant to this debate because most of those involved are thinking towards Omega replacement. Besides, my EClass dropped £30,000 over 4 years/83,000 miles. So I would suggest the badge is actually irrelevant.
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... so that means a 7 seater when the time comes :-X
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Mercedes R Class :y :y :y
Could be an option, although MrsT already finds the Omega too big ;D
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My 2.2 LPG, if I had a diesel car it would need to average 54mpg , to give me same cost on the wallet. So Kia is no better on fuel.
I've looked at these service plans, considering one if i went Merc,£500 for few years, £40 a month etc. It's only basic oils and filters.
It won't take into account, brake discs, pads, shocks, belts, exhaust, sensor failures etc. So I doubt the service costs would be fixed for the term.
So based on Jimmys figures, I've saved more like £10k :)
The Merc service plan includes transmission fluid/filter, brake fluids and ANY scheduled service item when it becomes due, but they are potentially expensive... I was paying £55 a month for 3 services over two years. The car had received two services in four months. Including the initial payment I had paid in £330. To cancel the plan I had to pay a further £157 to cover the difference between the two services and £330. There is no way on this planet, that the next service would have cost £990 left had I continued the plan. That said, it is a useful budgeting device.
Discs and pads were replaced twice by me over 30k miles.
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Funny you should post the CLS, I've hung my nose over one more than once in the past, always been too tight though :P. Love the exterior styling, unlike most other things on the road!
Also, in the interests of shooting my new car argument in the foot, I have NOTHING to recommend a brand new car over one like this which is 8 months and 5,000 miles old and is less than £10k (http://www.autotrader.co.uk/classified/advert/201505303885411?fuel-type=diesel&make=kia&radius=1500&maximum-mileage=up_to_25000_miles&sort=default&page=1&channel=cars&maximum-age=up_to_1_year_old&onesearchad=used%2Cnearlynew%2Cnew&postcode=dy116tu&search-target=usedcars&engine-size-cars=1-4l_to_1-6l&model=rio&logcode=p) ::)
Brand new car via DTD is £12500 with 0% APR. So cost for a new car once you subtract a bank loan @ an average 7% APR would be £1250 more than the used car. Then take away £110 for first year road tax and it is £1140 more for the new car. Now that is a deal available to all via DTD. There will be dealer specific deals that will narrow the gap even more. Sub £1000 why would you want to buy a used car? I would go for the new car.
Why? All you have to do is fix the windscreen seal the one you have. Plus a couple of other jobs that escape me currently.
Versus over £1000 a month for another car ...?
Get a new screen on insurance. £75 excess. Plenty of life in the old omega yet. Easily capable of 200,000 miles.
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My 2.2 LPG, if I had a diesel car it would need to average 54mpg , to give me same cost on the wallet. So Kia is no better on fuel.
I've looked at these service plans, considering one if i went Merc,£500 for few years, £40 a month etc. It's only basic oils and filters.
It won't take into account, brake discs, pads, shocks, belts, exhaust, sensor failures etc. So I doubt the service costs would be fixed for the term.
So based on Jimmys figures, I've saved more like £10k :)
The Merc service plan includes transmission fluid/filter, brake fluids and ANY scheduled service item when it becomes due, but they are potentially expensive... I was paying £55 a month for 3 services over two years. The car had received two services in four months. Including the initial payment I had paid in £330. To cancel the plan I had to pay a further £157 to cover the difference between the two services and £330. There is no way on this planet, that the next service would have cost £990 left had I continued the plan. That said, it is a useful budgeting device.
Discs and pads were replaced twice by me over 30k miles.
Interesting. Thanks :y
So discs were not included as you replaced them yourself? I think these plans could work out on 18month-3 year old example.
But on say a 2007 CLS, were dealer history is worth FA, I think it's better on a good independent? Just setup a DD into another account, to save up....
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Lots of facts and figures being quoted and pro and cons of the stated alternative cars. For me I will be a sad old git and keep the old miggy, reliable and an old friend I trust stuff the badge snobbery of the BMW and Merc clans.
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My 2.2 LPG, if I had a diesel car it would need to average 54mpg , to give me same cost on the wallet. So Kia is no better on fuel.
I've looked at these service plans, considering one if i went Merc,£500 for few years, £40 a month etc. It's only basic oils and filters.
It won't take into account, brake discs, pads, shocks, belts, exhaust, sensor failures etc. So I doubt the service costs would be fixed for the term.
So based on Jimmys figures, I've saved more like £10k :)
The Merc service plan includes transmission fluid/filter, brake fluids and ANY scheduled service item when it becomes due, but they are potentially expensive... I was paying £55 a month for 3 services over two years. The car had received two services in four months. Including the initial payment I had paid in £330. To cancel the plan I had to pay a further £157 to cover the difference between the two services and £330. There is no way on this planet, that the next service would have cost £990 left had I continued the plan. That said, it is a useful budgeting device.
Discs and pads were replaced twice by me over 30k miles.
Interesting. Thanks :y
So discs were not included as you replaced them yourself? I think these plans could work out on 18month-3 year old example.
But on say a 2007 CLS, were dealer history is worth FA, I think it's better on a good independent? Just setup a DD into another account, to save up....
Mr Tunnie......Derv drinking CLS hold their value far better than CLS running on 'proper fuel'... :)
It might be worth considering a full fat CLS 500/550. It will prove far more entertaining and the money
you save over a soot chucker will buy an awful lot of petrol. :y
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Lots of facts and figures being quoted and pro and cons of the stated alternative cars. For me I will be a sad old git and keep the old miggy, reliable and an old friend I trust stuff the badge snobbery of the BMW and Merc clans.
Couldn't agree more ;)
Considering scrapping the white estate after 6 years and 170k (now at 270k) :-\ if only to get the black one on the road...
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My 2.2 LPG, if I had a diesel car it would need to average 54mpg , to give me same cost on the wallet. So Kia is no better on fuel.
I've looked at these service plans, considering one if i went Merc,£500 for few years, £40 a month etc. It's only basic oils and filters.
It won't take into account, brake discs, pads, shocks, belts, exhaust, sensor failures etc. So I doubt the service costs would be fixed for the term.
So based on Jimmys figures, I've saved more like £10k :)
The Merc service plan includes transmission fluid/filter, brake fluids and ANY scheduled service item when it becomes due, but they are potentially expensive... I was paying £55 a month for 3 services over two years. The car had received two services in four months. Including the initial payment I had paid in £330. To cancel the plan I had to pay a further £157 to cover the difference between the two services and £330. There is no way on this planet, that the next service would have cost £990 left had I continued the plan. That said, it is a useful budgeting device.
Discs and pads were replaced twice by me over 30k miles.
Interesting. Thanks :y
So discs were not included as you replaced them yourself? I think these plans could work out on 18month-3 year old example.
But on say a 2007 CLS, were dealer history is worth FA, I think it's better on a good independent? Just setup a DD into another account, to save up....
Mr Tunnie......Derv drinking CLS hold their value far better than CLS running on 'proper fuel'... :)
It might be worth considering a full fat CLS 500/550. It will prove far more entertaining and the money
you save over a soot chucker will buy an awful lot of petrol. :y
Yes, had considered that. I could also speak to the resident OOF car dealer, Mr Wyatt. See what he could get me at the auctions. Could pick up a 500 (dreamworld CLS 55) but more likely a 500 on a knock down price.
Have enough spare to the get it LPG'd - Best of both worlds 8)
Prob combined, would come to same retail price as a 500, going by the markups dealers put on :)
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... so that means a 7 seater when the time comes :-X
.....
Mercedes R Class :y :y :y
Could be an option, although MrsT already finds the Omega too big ;D
SWMBO has yet to sit behind the wheel of mine ....... too big & doesn't like the funny transmission lever
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... so that means a 7 seater when the time comes :-X
.....
Mercedes R Class :y :y :y
Could be an option, although MrsT already finds the Omega too big ;D
SWMBO has yet to sit behind the wheel of mine ....... too big & doesn't like the funny transmission lever
Is it a Yank style one?
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Er Indoors has a new car, the advantage, brand new and exactly what she wants for less than the cost of a 1 year old used one (in the type she wanted). Plus 10 years of hassle free motoring thanks to the warranty.
As we can afford it, it makes good sense as I don't have to do a dam thing to it!
Plus bought for cash so no dicking about with finance.
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Because the Omega was well over double the price new... comparing a 21-28 mpg exec saloon with a diseasal grotbox isn't in any way, shape or form a fair fight.
But that wasn't the point of the OP, or my post. By your reckoning the "grotbox" the op suggested wouldn't be comparable either. Sure its petrol but that doesn't even have climate or heated seats, or any of the other items you listed.
Besides, anyone of sound mind would buy a delivery mileage pre reg Astra for £13k
Really? Anyone would pay the same money for a less economical car, with less equipment, and with an extra owner on the V5, oh and with 4 years less warranty. Interesting definition of sound mind.
neither of those suggestions have heated rear seats, a sunroof, dual zone climate control or 17" wheels as standard. And comparing like for like physically,
Nor does the OP's suggested car, hence my point. Those characteristics are clearly not relevant to the OP's replacement choice. Nowhere in the original post are level of features mentioned.
using the Omega as a starting point is very relevant to this debate because most of those involved are thinking towards Omega replacement
So let me get this straight, you're saying if I buy a New big saloon car, it'll cost me more than on Old big saloon car...... :o. Well Shut The Front Door! I never would have guessed that! ::)
What my post was trying to demonstrate that the superficial calculation of "Finance payments on new small car vs cost to maintain my old one" (which was the OP's starting point) needs a greater level of analysis before it is a useful starting point for discussion.
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It looks like an indicator stalk on the column. A lot of new Mercedes seem to use them thse days
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It might be worth considering a full fat CLS 500/550. It will prove far more entertaining and the money
you save over a soot chucker will buy an awful lot of petrol. :y
Ahh, yes. Always wanted a V8 powered suppository...
Bend over now.. :o
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Is it a Yank style one?
It looks like an indicator stalk on the column. A lot of new Mercedes seem to use them these days
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(http://www.consumerreports.org/content/dam/cro/news_articles/cars/Mercedes-ML-shifter.jpg)
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And how many times did you press the button in when moving the lever... :D
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And how many times did you press the button in when moving the lever... :D
I've not done that. But ....... where are the screen washers on an Omega and where is the transmission stalk on my Merc? It's a good job the Merc doesn't always take notice of you when you're doing 50mph!!!! :o :o :o
And is it just me .... but you'd think you'd move the lever in the direction that you want to go, ie forward to go forward & backwards to go ....errr .. backwards, just like on a forktruck. But Merc decide to do it the other way ..... funny how when I drive a forktruck it doesn't always go in the right direction ::)