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  1. Past hour
  2. STARGAZER

    New Car: Which one? Buy or lease?

    Tragic what has happened to the JEEP brand since the Italians bought it. Some how FIAT, and a rough tough 4 wheeler just don't mix. For that matter, are Chryslers even being sold anymore in US. FIAT-CHRYSLER.....what a joke. Where is Lee Iococca when you need him.
  3. KhunDon

    Ever Broken A Bone?

    Was that due to wanking over the woman you knocked down? 🤔
  4. KhunDon

    New Car: Which one? Buy or lease?

    Over here, we have a Dildo called “The Rabbit”. Don’t think VW make it though. 🤣
  5. STARGAZER

    New Car: Which one? Buy or lease?

    What happened to the ole reliable Nissan 4X4? If decision is made to lease....go large! 2020 Ford Mustang Shelby GT500
  6. STARGAZER

    Soi dogs

    Amazing animals!
  7. STARGAZER

    Ever Broken A Bone?

    quite a few over the years....never one below the waist though, and knock on wood been 8 years since the last major one. But it was a doozy. 17 breaks in one shot. Held together now by a lot of hardware. Stitches a whole different ball game...for every broken bone have had at least 100 stitches if not more. Again been a long time so fingers crossed. As a kid I was an insurance companies worst nightmare!
  8. Today
  9. farangme

    2 weeks and not one cigarette..

    When we're younger we can get away with anything Gerry but it catches up with most of us. Just stay off em mate.
  10. farangme

    2 weeks and not one cigarette..

    Absolutely.
  11. farangme

    Soi dogs

    I know that, it's called Glasgow humour.
  12. farangme

    Brexit

    Dave, they are ALL in the pay packet of Brussels. Cameron quit instantly when He disappointed and infuriated His Masters in Brussels. On that morning the BBC did a quick interview with an EU leader (Can't remember whom) his only comment was "you are not leaving" as He brushed by the camera team. Our house of commons and electoral system is more crooked than Quasimodo's back. We are not leaving it's simple as that. Brexit will be stopped.
  13. Smiler

    Ever Broken A Bone?

    I am an ex rugby player so yeah I have had my fair share. Nose a couple of times, ribs, wrist, toes, fingers and put my shoulder out twice. The older I get the more my body reminds me of old injuries, especially when it is cold, like now in UK.
  14. Murchie

    Cheap luggage or expensive luggage?

    Ok not ideal for a holiday but one of the best and most durable bags you can get. Offshore guys will know it well.
  15. Scotty

    Cheap luggage or expensive luggage?

    Always buy decent quality, Samsonite, Delsey etc. Once had my cheap suitcase disintegrate when taking it off the carousel in Pakistan . Had to go and get some string and tape from airport staff to try and hold it together until I could get a new one, never want to have to do that again.
  16. drifter

    New Car: Which one? Buy or lease?

    I loved my Jeep. That said, it was a real Jeep, a Wrangler, where the roof and the doors came off, and the windshield folded down. That baby would go anywhere. I still miss it. The Cherokee is a very nice vehicle as well. That said, the Compass is essentially an econobox with a few Jeep badges added. I’d never even consider it. If I was going in that direction, I’d just buy a small SUV or a small to midsized Toyota or Honda.
  17. tommy dee

    New Car: Which one? Buy or lease?

    yes, all leases have a balloon payment, its what the whole payment schedule is based on. your payments are based on the reducing value of the portion of the original balance that you will have satisfied during the schedule of payments, and the continued NON REDUCING interest on the balloon. the balloon is based on a system called GAP, guraranteed asset payment.. a forecast value of the vehicle at the end of the lease. that is "isnured" for the finance company provided that you take care of the vehicle and the mileage is below the annual limit set. 10k is a stupid deposit on a lease, the idea of a lease it to have 1-3 months payment " up front" if you are putting 10K down then finance it dont lease it. so back to the payments and bolloon.. here is a simpe example of how payments work out example.. car costs 30,000 guaranteed asset value in 3 yrs is 10000 so in this example ray has to have paid off 20K in principle plus a reducing interest ( like a mortgage) on that balance PLUS flat rate interest on the balloon at the end of the term he hands the car back, it is under the mileage and so he has to pay nothing more to them. there are penalties for damage and extra mileage which can be horrendous. but he WILL see that in the contract the manufacturer will supply with a standard 5yr/50K mile egnine and drivetrain warranty.. Ray may opt for an extended warranty ( unlimited) to protect the asset the good news is that he doent have to give a jot what the real value is at the end of the term. quite often used car values plummet,. if he OWNS the car, his asset loses value, in a lease the finance company's insurance will ay them the 10K even if its only worth 8. either way it doesnt affect ray at all. Catch for Ray. if he leaves the US before the term, he will be liable for the balance of all payments remaining, no break no discount, so he is tying himself to working and living inthe US for the next 3 yrs
  18. Rompho Ray

    New Car: Which one? Buy or lease?

    Not that I'm aware of. If you want to keep the car you have to then buy out the lease though. I'll have to ask about that.
  19. Rompho Ray

    Travel horror stories

    Bwahahahahahaha! Absolutely priceless.
  20. Sir_Fondles

    New Car: Which one? Buy or lease?

    Do leases in the USA have balloon payments at the end ?
  21. Rompho Ray

    New Car: Which one? Buy or lease?

    I know you're a former car salesman, but I've told both salesmen so far that I'm not sure whether I'm buying or leasing. I'd have no way of knowing what the price basis of the lease payment is, so it really doesn't matter; I'll have to haggle down the lease payment anyway. I've both done this and done the "build your own car" thing on the corporate websites. Interestingly the stickers don't seem to be quite as expensive as I remember, maybe I'm just a little looser now that I'm actually on the payroll. Really where you make your best gains is with the dealer options, since they can give you those at their cost. That "throw in the fancy floor mats" shit. And this is the thing I just don't know yet. I'm expecting an order from a customer for my side business, already been notified that contracts are being signed etc., and if I get that I should be able to put about $10K down. That will put me into a nicer trim level on the cars I've been looking at, and lower my monthly payments. I won't look at fancier models, Beemers, etc. if/when I get it.
  22. tommy dee

    New Car: Which one? Buy or lease?

    both prices :) you wont tho ray thats how leasing works in the US. you negotaite a price, then opt for a lease with the F&I guy. he will load it with options, warrnaty etc.. and quote you payments only. the price isnt part of the equasion, for you ... there isnt any point in seeing the price.. and even if you do, you will never know how close it is to what they bill the finance company for. one good way to do it is find the model you want, then do a ray and google it for best price. email the stors and simply ask for best lease price over x years, asking rentla and number of months deposit. the deposit is a major facotr, as every month you pay in advnace increases their YIELD.. as its more money outof the real "loan" value. email , say, 5 dealerships. they will gag for your business as you are a "roll over and play dead" customer IF they can get u in the door. you will be surprised at the difference . that old moroney label means nothing Salesmen LOVE lease cusotmers... they pay the big commissions.. thousnad instead of a few hundred bucks.
  23. Rompho Ray

    Ever Broken A Bone?

    Sounds like a thread topic to me.
  24. Rompho Ray

    New Car: Which one? Buy or lease?

    Yep, correct. It was standard on both cars I looked at, at the higher trim levels. Feck me, I was relieved when they told me how to turn it off! No, not available here that I know of. That's another point in favor of leasing, totally agree. That's OK, I want to see both prices. I'll negotiate when the time comes, already teeing them up for that.
  25. tommy dee

    New Car: Which one? Buy or lease?

    somen started the leasing habit in the Uk for private individuals and nows its exploded there.. and of course in the US its been on the go for decades. you have to answer the question. do you want a new car every 3 yrs? that way your car is gonna be in tip top condition.. or do you want to OWN a car in 5-6 yrs that is worth nothing. I woudl lease as nowadays all those cars are built to be disposable.. (bit like the hardware you dug at me about 555) the taurus in the 90s, for example, was designed for 100K miles!. Leasing is just renting.. but it puts you into lower payments, and the promsie that it doesnt matter what the value si at the end, you just hand int he keys and walk away or into a new car.. makes snese nowadays if you are employed and in a good place If you buy on the knock, in 3 yrs you will still how half of its new car value and can look forward to paying the sdame for it as you paid when it was new, every month, and highter payments BUT.. here is the kicker.. in the US, they quote car prices until you lease THEN they quote payments. the dealr actually marks the car up to the full sticker price or above!!! so that rental is negoatiable by at least 50 dollars a month. you will NEVER see the price for the car in a US lease.. only the payments. dealer make a fortune on leases i promise you ;) but then again you have never been shy of arguing, so maybe a time to put mangobollox to use
  26. bigstuy75

    Ever Broken A Bone?

    mangled my knee in a motorbike accident in 1996, 9 screws and a six inch plate inserted in bits now waiting on a knee replacement
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