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Post by salopstick on Jan 17, 2024 8:04:50 GMT
My Mrs does pcp. Changes hers every three years. If you haven’t got the cash take a bank loan for the amount over the time period you are likely to have it. Cheaper than finance PCP does intrigue me - I like to change mine every 3-4 years. Feels like it’s a bit too good to be true though. Are the mileage restrictions quite limiting? And there are conditions around returning the car to its original state etc? Not really. Plus with second hand prices quite high she’s had good cash in values
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Post by salopstick on Jan 17, 2024 8:05:35 GMT
It is strange that a 25k car could have nearly triple spent on it during its life
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Post by scfcno1fan on Jan 17, 2024 8:06:55 GMT
PCP does intrigue me - I like to change mine every 3-4 years. Feels like it’s a bit too good to be true though. Are the mileage restrictions quite limiting? And there are conditions around returning the car to its original state etc? Not really. Plus with second hand prices quite high she’s had good cash in values Does she just hand them back at the end then and not pay the balloon payment? How does the cash in value affect it her next car? Sorry for all the questions. It’s hard to find good info on it!
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Post by elystokie on Jan 17, 2024 8:25:29 GMT
Not really. Plus with second hand prices quite high she’s had good cash in values Does she just hand them back at the end then and not pay the balloon payment? How does the cash in value affect it her next car? Sorry for all the questions. It’s hard to find good info on it! Maybe starting a thread on the subject would attract folk more knowledgeable on the matter? I'm just trying to help and not having a go about the thread deviating btw, it's really not something that bothers me 🙂
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Post by questionable on Jan 17, 2024 8:28:41 GMT
How do people on here fund new cars? Cash, loan, PCP or are they company cars? Starting the process of changing mine, one last petrol one for me I think (on the theme of the thread), but was trying to work out the best way of finding it. Read contrasting things about the best way. We purchased the wife’s outright as her brother works at Bentley in Crewe and benefited from a 15% discount. It’s really down to what you need the car for IMO, the BMW I like I’ve offered cash but they wouldn’t budge on price whatsoever, finance on new cars via the “main” dealership is superb, sure Hyundai are doing 0% APR now and BMW on “new” cars are as little as 4 % for their EV’s and 4.9% on certain petrol/diesel. I’ve had cars now on PCP (don’t have to be company) for the past 14 or so years which suits me as I get bored very easily of them, so swop them every 2-3 years into a 4 year deal, you have the option to hand them back after 2 years but apparently it goes against your credit rating, certain manufacturers allow you to purchase the car after the end of the PCP deal, friends just purchased hers at the end of the PCP deal and the cars worth more than she owed by a few thousand, low mileage, fully serviced etc she then paid for an extended warranty with vauxhall, no brainer for me.
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Post by salopstick on Jan 17, 2024 12:14:52 GMT
Not really. Plus with second hand prices quite high she’s had good cash in values Does she just hand them back at the end then and not pay the balloon payment? How does the cash in value affect it her next car? Sorry for all the questions. It’s hard to find good info on it! she uses any equity as the deposit on her next one i think. tbh it goes in one ear out the other when she tells me.
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Post by dutchstokie on Jan 17, 2024 13:14:17 GMT
To answer the subject question - hydrogen fuel cell cars are where the clever money should be invested and purchases made.
Mentioned it a few times on other threads related to this.
Thank me later
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Post by flea79 on Jan 17, 2024 13:26:19 GMT
To answer the subject question - hydrogen fuel cell cars are where the clever money should be invested and purchases made. Mentioned it a few times on other threads related to this. Thank me later absolutely this! I was lent a brand new bow ix1 yesterday which was a lovely car too drive and it made sense driving it in traffic yesterday but outside of that the consumption of juice from the batteries was terrible not too mention how quickly the one pedal driving mode could go wrong if you drop concentration
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Post by mtrstudent on Jan 17, 2024 17:01:07 GMT
To answer the subject question - hydrogen fuel cell cars are where the clever money should be invested and purchases made. Mentioned it a few times on other threads related to this. Thank me later I was working on a tech project in 2010 and researched the state back then, decided that EVs were the future and hydrogen wouldn't be able to compete. Has something big changed since then? If anything, the general feeling nowadays seems like EVs are an even safer bet than hydrogen, but that's without looking much into it recently.
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Post by mtrstudent on Jan 25, 2024 17:12:22 GMT
To answer the subject question - hydrogen fuel cell cars are where the clever money should be invested and purchases made. Mentioned it a few times on other threads related to this. Thank me later Looks like Toyota's chairman agrees with you mate. Smart guy who has enough extra info to see the future, or someone who's made the wrong bet and trying to defend it? Time will tell.
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Post by mickeythemaestro on Jan 25, 2024 17:23:55 GMT
To answer the subject question - hydrogen fuel cell cars are where the clever money should be invested and purchases made. Mentioned it a few times on other threads related to this. Thank me later This is the fallacy of the whole thing. In order for these things to gain traction the worlds govts need to bang in massive subsidies to get industry moving. Seems govts have gone all in on EVs. And then they build the narrative around that and so do all their NGO buddies. And before you know it cracks start appearing in the set narrative. Which in turn creates the "conspiracy theorists" who spot obvious flaws in their plan. Extend that out to many of the narratives surrounding CO2 and you can see where we are being fed some major bullshit about many many things. Most EV sales by a very big margin are company purchases. Very few private sales because the maffs ain't stacking up. Wait till the subsidies dry up and they start charging VED etc on EVs and the house of cards could come crashing down. Lots of smoke and mirrors going on here in my humble opinion.
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Post by questionable on Jan 25, 2024 18:20:53 GMT
To answer the subject question - hydrogen fuel cell cars are where the clever money should be invested and purchases made. Mentioned it a few times on other threads related to this. Thank me later This is the fallacy of the whole thing. In order for these things to gain traction the world’s govts need to bang in massive subsidies to get industry moving. Seems govts have gone all in on EVs. And then they build the narrative around that and so do all their NGO buddies. And before you know it cracks start appearing in the set narrative. Which in turn creates the "conspiracy theorists" who spot obvious flaws in their plan. Extend that out to many of the narratives surrounding CO2 and you can see where we are being fed some major bullshit about many many things. Most EV sales by a very big margin are company purchases. Very few private sales because the maffs ain't stacking up. Wait till the subsidies dry up and they start charging VED etc on EVs and the house of cards could come crashing down. Lots of smoke and mirrors going on here in my humble opinion. A chap down the road worked in RD for Bentley and I mentioned I’d considered an EV and he advised me for now to stay well clear. I mentioned that the APR from certain manufacturers for EV’s were zero % to which he replied I rest my case VED for EV’d start next year
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Post by mtrstudent on Jan 26, 2024 2:00:35 GMT
Extend that out to many of the narratives surrounding CO2 and you can see where we are being fed some major bullshit about many many things. What narratives? 🤔
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Post by cvillestokie on Jan 26, 2024 2:21:04 GMT
To answer the subject question - hydrogen fuel cell cars are where the clever money should be invested and purchases made. Mentioned it a few times on other threads related to this. Thank me later I was working on a tech project in 2010 and researched the state back then, decided that EVs were the future and hydrogen wouldn't be able to compete. Has something big changed since then? If anything, the general feeling nowadays seems like EVs are an even safer bet than hydrogen, but that's without looking much into it recently. I also thought that hydrogen were only offering good advantages over long distances. I can’t remember why (cost of build or efficiency) but I was under the assumption that they’d be far better suited to long-hauls than shopping dashes.
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Post by mickeythemaestro on Jan 26, 2024 7:57:06 GMT
Extend that out to many of the narratives surrounding CO2 and you can see where we are being fed some major bullshit about many many things. What narratives? 🤔 Boiling points. Promotion of Thunberg telling us we've got 5 years left. Basically the promotion of fear. Cos fear sure is a good way to tax the shyte out of people and get them behaving themselves. And I'm no climate denier either. Just wish a more reasoned debate could take place and sensible targets could be agreed. Getting rid of ICE vehicles for example by 2030 is totally unrealistic. And why is the development of ultra low emission cars not a thing. Doesnt make sense. Its EV or the highway. Not buying it.
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