Train Posted February 4, 2008 Report Share Posted February 4, 2008 Is 'bags' the new way of saying 'bills' now?Did you just come through immigration last week?No, I dont really hang around with people who use such silly terminology. Neither do you, so I wonder where you get it from. Still, ang tite u init fam. Down wid the mandem an all dat jazz Quote Link to comment Share on other sites More sharing options...
Badman Posted February 4, 2008 Report Share Posted February 4, 2008 get a Loan rather than car finance coz the interest is too high for car finance.... Quote Link to comment Share on other sites More sharing options...
Simply D Posted February 4, 2008 Report Share Posted February 4, 2008 bbbbbboooyyy talkin from experience car finance is not the one still, although i handled it nicely over the term, its just a bump in the amount u take out to the amount you pay back. IF ur really serious about tings, then bbbbboyyy if anything try n get a loan, the intrest rates are MUCH better!!Never spit that ur gettin a FRESH new golf gti as ur first car though? as u'll be needin a next loan for the insurance too, then another loan for when gordon browns tax crew decide to take ur ass apart with the road tax, fuel cost, n whatever new taxs there lookin to bring out to f*ck over the motorist even more!!Im not bitter honest Quote Link to comment Share on other sites More sharing options...
Spawn Posted February 4, 2008 Report Share Posted February 4, 2008 Is 'bags' the new way of saying 'bills' now?Did you just come through immigration last week?No, I dont really hang around with people who use such silly terminology. Neither do you, so I wonder where you get it from. Still, ang tite u init fam. Down wid the mandem an all dat jazzCretin.Bag of Sand - GrandYou should start going down the boozer with E15 Yoot. Quote Link to comment Share on other sites More sharing options...
TAKE HEED Posted February 4, 2008 Report Share Posted February 4, 2008 You can buy a decent condition 1.4 MK4 Golf for 2 bags. Just be happy with that. First car and all that.jus save up ur money e15 youtget a mark 5 wen ur ready Is 'bags' the new way of saying 'bills' now?Did you just come through immigration last week?No, I dont really hang around with people who use such silly terminology. Neither do you, so I wonder where you get it from. Still, ang tite u init fam. Down wid the mandem an all dat jazzCretin.Bag of Sand - GrandYou should start going down the boozer with E15 Yoot.skooled.... Quote Link to comment Share on other sites More sharing options...
ShowermanSamuel Posted February 4, 2008 Report Share Posted February 4, 2008 If you can't buy it outright. Don't buy it. The only thing you should ever get into debt for is a house.Car finance is the bump of all bumps. Most brand new cars are bought on finance, no matter how welloff you are. <<<Sense... bags = grands for refernece.Pure ignorance talk in here. The real working world doesn't save up for everything, it's just not plausible in society to do this forever.You need to know what you're doing and what kind of agreement you are entering into.You must realise the following...- You will never see your deposit again, put ONE grand down and use the rest for insurance. Write it off as like an entrance fee the first time you get in your 'new' whip.- NEVER buy new, let a next d*ckhead take the big depreciation. Six months to a year old is you. You still have at least two years manufacturers warranty left which should also include AA/RAC cover. Even an ex demo off the dealer forecourt is a nice look, will probably be fully loaded to entice the dealer sales and not been driven TOO bad cos they'll always have had a salesperson with them on test drives.- You WILL lose money if you try to get out of the finance agreement before getting halfway through it. EG taking the 'finance' over a 3yr period, you will lose money if you try to get out before 18 months in. At half way through you will break even - You could sell it for pretty much what you still owe, move on and start again on a new whip for example.If all of the above are acceptable to you then you want a PCP agreement. This means you finance the car for say two, three or four years paying a monthly payment along the way - and once this time is up you either give the car back or pay the balloon payment and own it outright.I've done this on four or five whips now. You just need to understand how it works and be happy in the fact that you will never see the deposit again, are stuck with it for at least half the term and are happy with the monthly payment.Furthermore I would advise using a 3rd party leasing/finance company. The one I use is based in Wales, they find me the car I want, arrange the finance, check the car over, deliver it to me at work/home, find a buyer for my old whip and take it away for me. It's the most hassle free thing I've ever had the pleasure of doing.If you want any more info just ask. Quote Link to comment Share on other sites More sharing options...
Fly Boy Posted February 4, 2008 Report Share Posted February 4, 2008 I have never understood the theory behind buying something you dont have enough money to buy. Quote Link to comment Share on other sites More sharing options...
Illusion Posted February 4, 2008 Report Share Posted February 4, 2008 By the time you've paid for the car it wont be worth what you've paid for it.Cash ISA is you. Quote Link to comment Share on other sites More sharing options...
FACE OFF Posted February 4, 2008 Report Share Posted February 4, 2008 any of u man ever got a whip on finance?i can afford to put a 2 grand deposit on a carwith monthly payments of 4 billson the new golf gtiwill it bump it in a way or is dat criss?only serious replies plzTalking from experience.Take your 2 gees and just buy a car.this man is more qualified to tell you this and its real talklook on the autotrader online for 2 g you will find something decent and remember when you buy a second hand car one of the first things you get NEW is a CAM BELT. Quote Link to comment Share on other sites More sharing options...
FACE OFF Posted February 4, 2008 Report Share Posted February 4, 2008 the thing that takes the piss aswell is that certain places have big boy cars for really good pricesbut you can only get them on finance i can turn up with 8k cash and would get turned awayeven doing this with phones you couldnt buy the iphone at one stage WITHOUT a making it a card payment imagine that.the way people are in bare debt just be mindfull of what your signing if you decide to do it and be aware that whatever damage you incur on this car it will cost money one way or another.you could get a ford puma for 2 gs still or you could save up an extra 1 and a half and get an a3. Quote Link to comment Share on other sites More sharing options...
That's That Kid Posted February 4, 2008 Report Share Posted February 4, 2008 Car finance is fine if you're sensible.Unfortunately the majority of borrowers are idiots, hence the current credit crunch. Quote Link to comment Share on other sites More sharing options...
FACE OFF Posted February 4, 2008 Report Share Posted February 4, 2008 we have all been dumb with credit/money at some stage in our lives lets not talk like we are the most sensible in the world thats why it continues.from experience just get a car for the money you have ya still gotta spend money on other things for the car like insurance. Quote Link to comment Share on other sites More sharing options...
nyeleman Posted February 4, 2008 Report Share Posted February 4, 2008 If you can't buy it outright. Don't buy it. The only thing you should ever get into debt for is a house.Car finance is the bump of all bumps. Most brand new cars are bought on finance, no matter how welloff you are. ExactlyFinancing a car isn't that bad. These chumps need a lesson on depreciation of motor vehicles. Even the biggest ballers don't buy cars for cash because cars are the worst investment you can ever puchase. the price of a car plummets faster than as asteroid. The point of having a car is the 'priviledge' not owning a piece of metal which in 3 years will be worth the steering wheel. Besides when you finance a car you are giving free repairs and maintenance for the period and when you don't need it anymore or want a better car just replace it. the people that buy punto's from the year 2000 and walk around with bird chests puffed proud as hell are teh real clowns. The point of having a car isn't owning a peice of metal its how fly you look in it . Quote Link to comment Share on other sites More sharing options...
FACE OFF Posted February 4, 2008 Report Share Posted February 4, 2008 If you can't buy it outright. Don't buy it. The only thing you should ever get into debt for is a house.Car finance is the bump of all bumps. Most brand new cars are bought on finance, no matter how welloff you are. ExactlyFinancing a car isn't that bad. These chumps need a lesson on depreciation of motor vehicles. Even the biggest ballers don't buy cars for cash because cars are the worst investment you can ever puchase. the price of a car plummets faster than as asteroid. The point of having a car is the 'priviledge' not owning a piece of metal which in 3 years will be worth the steering wheel. Besides when you finance a car you are giving free repairs and maintenance for the period and when you don't need it anymore or want a better car just replace it. the people that buy punto's from the year 2000 and walk around with bird chests puffed proud as hell are teh real clowns. The point of having a car isn't owning a peice of metal its how fly you look in it .CALM DOWN FAM LOLin my opinion a car is a car. Quote Link to comment Share on other sites More sharing options...
That's That Kid Posted February 4, 2008 Report Share Posted February 4, 2008 What car you driving face off? Quote Link to comment Share on other sites More sharing options...
nyeleman Posted February 4, 2008 Report Share Posted February 4, 2008 If you can't buy it outright. Don't buy it. The only thing you should ever get into debt for is a house.Car finance is the bump of all bumps. Most brand new cars are bought on finance, no matter how welloff you are. <<<Sense... bags = grands for refernece.Pure ignorance talk in here. The real working world doesn't save up for everything, it's just not plausible in society to do this forever.You need to know what you're doing and what kind of agreement you are entering into.You must realise the following...- You will never see your deposit again, put ONE grand down and use the rest for insurance. Write it off as like an entrance fee the first time you get in your 'new' whip.- NEVER buy new, let a next d*ckhead take the big depreciation. Six months to a year old is you. You still have at least two years manufacturers warranty left which should also include AA/RAC cover. Even an ex demo off the dealer forecourt is a nice look, will probably be fully loaded to entice the dealer sales and not been driven TOO bad cos they'll always have had a salesperson with them on test drives.- You WILL lose money if you try to get out of the finance agreement before getting halfway through it. EG taking the 'finance' over a 3yr period, you will lose money if you try to get out before 18 months in. At half way through you will break even - You could sell it for pretty much what you still owe, move on and start again on a new whip for example.If all of the above are acceptable to you then you want a PCP agreement. This means you finance the car for say two, three or four years paying a monthly payment along the way - and once this time is up you either give the car back or pay the balloon payment and own it outright.I've done this on four or five whips now. You just need to understand how it works and be happy in the fact that you will never see the deposit again, are stuck with it for at least half the term and are happy with the monthly payment.Furthermore I would advise using a 3rd party leasing/finance company. The one I use is based in Wales, they find me the car I want, arrange the finance, check the car over, deliver it to me at work/home, find a buyer for my old whip and take it away for me. It's the most hassle free thing I've ever had the pleasure of doing.If you want any more info just ask.spit some more brain food on thiswhats the company's name? Quote Link to comment Share on other sites More sharing options...
nyeleman Posted February 4, 2008 Report Share Posted February 4, 2008 If you can't buy it outright. Don't buy it. The only thing you should ever get into debt for is a house.Car finance is the bump of all bumps. Most brand new cars are bought on finance, no matter how welloff you are. ExactlyFinancing a car isn't that bad. These chumps need a lesson on depreciation of motor vehicles. Even the biggest ballers don't buy cars for cash because cars are the worst investment you can ever puchase. the price of a car plummets faster than as asteroid. The point of having a car is the 'priviledge' not owning a piece of metal which in 3 years will be worth the steering wheel. Besides when you finance a car you are giving free repairs and maintenance for the period and when you don't need it anymore or want a better car just replace it. the people that buy punto's from the year 2000 and walk around with bird chests puffed proud as hell are teh real clowns. The point of having a car isn't owning a peice of metal its how fly you look in it .CALM DOWN FAM LOLin my opinion a car is a car.A car isn't a carSome cars have = the power to get a girl's inside produce that sticky icky while others have the power to turn her insides unhydrous. A car is not a necessity its a luxury . In life i want to own necessities not luxuries . Quote Link to comment Share on other sites More sharing options...
FACE OFF Posted February 4, 2008 Report Share Posted February 4, 2008 okay a car is erma car is whatever you want it to be i mean some people actually live in their cars so i guess ya right. Quote Link to comment Share on other sites More sharing options...
nyeleman Posted February 4, 2008 Report Share Posted February 4, 2008 Okay here let me explain brand new car feels like thisOld car Quote Link to comment Share on other sites More sharing options...
Mr. Gayle Posted February 4, 2008 Report Share Posted February 4, 2008 If your working and can afford the repayments, its no biggiePlus if you do it welll you can have a new car every 3 years or so Quote Link to comment Share on other sites More sharing options...
Uncle Fargas Posted February 4, 2008 Report Share Posted February 4, 2008 dont bother u cant stunt when ur telling gash not to smoke in the car coz it aint paid for yet Quote Link to comment Share on other sites More sharing options...
dotcomma Posted February 4, 2008 Report Share Posted February 4, 2008 If you can't buy it outright. Don't buy it. The only thing you should ever get into debt for is a house.Car finance is the bump of all bumps. Most brand new cars are bought on finance, no matter how welloff you are. ExactlyFinancing a car isn't that bad. These chumps need a lesson on depreciation of motor vehicles. Even the biggest ballers don't buy cars for cash because cars are the worst investment you can ever puchase. the price of a car plummets faster than as asteroid. The point of having a car is the 'priviledge' not owning a piece of metal which in 3 years will be worth the steering wheel. Besides when you finance a car you are giving free repairs and maintenance for the period and when you don't need it anymore or want a better car just replace it. the people that buy punto's from the year 2000 and walk around with bird chests puffed proud as hell are teh real clowns. The point of having a car isn't owning a peice of metal its how fly you look in it .I understand where ur coming FROM, but shiiiiiiiiiiiiiiiit, dont you think your taking it a bit far.There's no general rule, you just go the route which best compliments your situation, a lie?EG. Im in Uni, didnt wanna add anymor unecessary debt so i took my 2grand saved and brought a whip outright rather than financing. I dont own my car for 'privillege', its a necessity, i drive to my uni rather than pay £180 a week student rent. Quote Link to comment Share on other sites More sharing options...
Mr. Gayle Posted February 4, 2008 Report Share Posted February 4, 2008 dont bother u cant stunt when ur telling gash not to smoke in the car coz it aint paid for yetlolThey shouldnt be smoking in your car regardless Quote Link to comment Share on other sites More sharing options...
L Posted February 4, 2008 Report Share Posted February 4, 2008 rather than pay £180 a week student rent.£720 a month?You go uni in dubai? Quote Link to comment Share on other sites More sharing options...
Afroman Posted February 4, 2008 Report Share Posted February 4, 2008 logically financing a car is a smart move and its the way the majority pay for their new/close to new cars.Obviously they are cob webs here and there.. but its best u do ur research on finance and interest + add ons b4 u do anything.Its something I will be looking to do pretty soon because it makes alot of sense. The disadvantages are there obviously. E.g what if u lose ur job or a source of income for a short while , how u gonna pay for it?U need to fork out money for insurance & road tax , that alone is a bitch..InterestAdvantages.U can change ur car regularly.U have peace of mind with the car condition lol @ people saying they donet see the logic in buying what you cant afford..How many of u can or have paid for there house cash down?Seeing the latest mobile phone and thought yeaaaaah am getting that cash?Its almost the same principle in buying a car.Just do some research an d u will be fine. Quote Link to comment Share on other sites More sharing options...
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