Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Wish i'd rented my TV the one I got 3yrs ago is fucked now & i'd like a Samsung 8000 series in replacement 
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
It's not the same scenario because lots of people will be able to buy the TV outright.
Most people won't have 30k cash sitting about for a car or want to wait long enough to save it up.
|
Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
|
On the grand scheme of things, it is.
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
It's not.
If you want to be stupid about it why not lease bread or milk.
Paying up something that costs 30k is not the same as paying up something that costs 2k.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Buying a high value car outright is absolute brain damage if you've got any other debt with higher APR's.
|
Dave
Member
Registered: 26th Feb 01
Location: Lancs
User status: Offline
|
quote:
Originally posted by Corsa_Sport21
So just like renting a big widescreen television.
Do you'se do that aswell?? Have a house full of rented appliances, cooker, washing machine, the lot.
Sounds like it if thats you're outlook on renting a car. Same scenario in the grand scheme of things.
Even by CS standards that's a pretty poor analogy. The two aren't even remotely similar.
|
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
|
People that say "if you can't afford to buy something outright, don't get it all" are fucking stupid IMO.
You will just go through life having nothing nice.
What about buying a house? I would say 9 out of 10 people will probably NEVER have the cash to buy a house outright. So are you just going to piss money up the wall by renting just because it's "how you were brought up"?
|
Sunz
Member
Registered: 12th Jan 07
Location: SE England
User status: Offline
|
people who waste their money on stupid material things, latest phone, booze, smoking, top brand clothes because they worry how others see them and then don't have any savings, then have to work like a dog to pay off their mortgages and finances each month are more stupid I think.
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
What about people who don't waste it on booze and smoking but want to have a nice car for the next 25 years while paying off the mortgage?
|
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
|
What about the people who don't do everything you just mentioned but still buy a house with a mortgage and a car on finance?
|
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
|
Dammit John 
|
Sunz
Member
Registered: 12th Jan 07
Location: SE England
User status: Offline
|
Then good luck to them, all going to die in the end anyway.
[Edited on 30-03-2012 by Sunz]
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
Exactly, all going to die, except the people who never get finance will either be very rich or not have any nice stuff.
I would never take out anything I couldn't easily afford btw, wouldn't be able to sleep at night.
[Edited on 30-03-2012 by John]
|
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
|
Yeh I'm not saying I agree with people getting £25k finance on a car with no deposit, that's just stupid. But I think finance has its place.
|
Sunz
Member
Registered: 12th Jan 07
Location: SE England
User status: Offline
|
So you can't have nice things unless you lend money ? 
Is the problem with the western World I guess, people thinking material things make their life better, like driving around in rav4's because it's cool ! 
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
What are you talking about, yes you can have nice things.
I'm driving around in the rav4 specifically so I didn't have finance on anything else.
|
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
|
quote:
Originally posted by Sunz
So you can't have nice things unless you lend money ?
Is the problem with the western World I guess, people thinking material things make their life better, like driving around in rav4's because it's cool !
I'm not saying you can't have nice things unless you borrow money.
I'm saying if I had £10k in my pocket and wanted to buy a £25k Porsche, I could either buy it tomorrow on finance and end up paying £28k for the luxury of getting it. Or save up for god knows how many years and buy it outright. By the time you've saved up, your situation might have changed so that you can't get the Porsche any more, so you've missed out on that opportunity.
[Edited on 30-03-2012 by James]
|
Dave
Member
Registered: 26th Feb 01
Location: Lancs
User status: Offline
|
quote:
Originally posted by Sunz
So you can't have nice things unless you lend money ?
Is the problem with the western World I guess, people thinking material things make their life better, like driving around in rav4's because it's cool !
I think you'd be much happier if you put the Internet down and went to live in a tree in Tibet, there you can really lament on the wrongs of the western world.
|
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
|
I'm starting to get bored of these arguments TBH. The arguments against using finance are stupid/non-existent.
|
Sunz
Member
Registered: 12th Jan 07
Location: SE England
User status: Offline
|
John, you bite too easy when Ravvy is talked about, so protective, it's cute.
Fair enough James.
I guess I just have an issue as I'm some sort of hippe, the western World's ways are to lust for material things.
It's almost child like to continusly want things, house I can understand but cars, phones, clothes etc all has an affect on the enrviroment. We buy something, use it for x amout of time, throw it away and start again.
But if people want a new car and want to get it on finance then that's their choice, is no right or wrong way to pay for things, only what you believe.
Thanks Dave, I think you are correct. 
Peace and Love 
[Edited on 30-03-2012 by Sunz]
|
Rick Draper
Member
Registered: 10th Feb 01
Location: Cheshire
User status: Offline
|
Colin if you want return to invoice insurance cover try ALA.
I am just waiting for my alpine white 123D to arrive at the dealer. Dealer wanted stupid money for GAP insurance, ALA offers a extra £7.5K worth of cover and costs a lot less. Think I am even taking out tyre cover, its about £260 and covers you for up to 5 new tyres if you get punctures, pot hole damage etc. It does not cover wear and tear though but it is sods law I would leave the dealer and get a double puncture!
|
JordyCarter
Member
Registered: 14th Mar 10
User status: Offline
|
What about people who don't need to do pay monthly shit and can just buy everything straight up? Nobody thinks of them 
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
quote:
Originally posted by Sunz
John, you bite too easy when Ravvy is talked about, so protective, it's cute.
I'm not biting at all, have to try harder to get me annoyed about the internet.
|
