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2buyornot2buy

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Everything posted by 2buyornot2buy

  1. Depending on the model you could get a new one with delivery miles for 15k. Not having a go at you BTW, I just find the sweet spot for depreciation is much longer than 1 year. Particularly when buying from a dealer.
  2. I think 1st year depreciation figures are often over exaggerated. Simple enough to get 10 to 25% off the list price for new cars. The massive % depreciation is a % off RRP. Who pays the ticket price one new car?
  3. Have to agree. Bought a new car and two expensive holidays in the next 6 months. My corporate accounts have never looked healthier even with the massive raw material inflation I'm seeing.
  4. That's about £35 an hour for a skilled plumber. Not cheap but not exactly mental. I know sparks on 60k in Dublin in 2002.
  5. Is it really though? When you remove the cost of fuel (granted I'd expect a 3 series to be doing 60mpg) there's probably not much I the spec. What's the price point?
  6. NI has to be the absolute worst "developed" nation in Europe for chargers. Think we have about 15 rapids, only 1 Belfast, max rate is around 45kw. 40% of the network is down most of the time. 10 years ago it was top class. It'll be home charging most of the time. I've put a 22kw charger in two of my warehouses so I'll not be stuck if I use it. I expect the network will get there eventually. VW has the size to get a decent one established. Tesla is pretty much non existent in Ireland. I went with the 77 Family so not too worried about range. The ID3 is a great car, just doesn't work for us with 2 child seats or I would have gone with it.
  7. It's for the OH but the dealership was kind enough to give a demonstrator for a long weekend. Not the model we went for but same battery. I have to say I was very impressed. It was a toss-up between it, the Q4 etron and the Enyaq. All very good cars in their own right. OH wanted the ID4. Agree emissions gate was a disaster but VW seem to be the only company really going for EV choice at the minute.
  8. Bought a new VW ID4 BEV recently. Just waiting on the delivery. Looks like 18 weeks. Will take the PCP to secure the 4k discount and pay it off a few days after delivery.
  9. I'm familiar with baby steps. It's all about investing early. If you get employer matching on pension contributions it's an absolute no brainer.
  10. I personally think the people who bought it are absolute mugs. But then what do I know. I would never have convinced the OH to do it if it wasn't for covid. Plus the fact we had a mortgage free house to move to. Some fantastic stock opportunities out there at the minute. BP have been a absolutely brilliant buy for me. You should really read up on the FIRE movement. Get to the stage where you can semi/fully retire. If there's one thing this whole covid situation should have taught the world is that you can't buy time.
  11. Well I've cashed out so to speak. Sold up a few months ago in BT9. I don't want to say too much but it wasn't a traditional sale. I'll see what happens over the next 12-18 months before we decided what to do next. Just about doubled our money since we bought about 8 years ago. We've been fortunate enough in that the inlaws inherited a house that they don't need, so we've moved in while we decide what to do. It's a big house, outside the city. It needs some work but covid has made us reassess what we want from life.
  12. This is what happens when you removed SDLT. People borrow thousands more to save hundreds.
  13. It could be that. It could also be EA bias. The low base level of transactions from people returning, a massive increase last year as a percentage but a really small absolute number.
  14. Lots of talk last year about people moving here from England and pushing up prices. We have a bit more info now from the NI population estimates. Belfast had 2500 more people leave to GB than arrived. Between the year ending mid-2019 and the year ending mid-2020, the number of people leaving Northern Ireland to live in the rest of the UK increased by 1,200 people (12.0 per cent), while the number of people coming to live in Northern Ireland from the rest of the UK decreased by 1,400 people (12.3 per cent). This led to inflows of 10,000 people and outflows of 11,600 people in the year ending mid-2020 and resulted in a net UK migration loss of 1,500 peopl
  15. What I'd really like to know is if they release the full dataset to propertypal.
  16. I thought you might get a response like that. We need the LR to get online. I'd expect a copy and paste response to a 10k signature petition.
  17. I expect the reason is due to "anonymity". They obscure the data on the report when it gets to a level where you point to individual sale prices. Obviously in GB it's not an issue as individual sale price is available online via land registry. Monthly here might result in lots of useless blanks particularly during lower transaction months. If all you're after is sub-regional average then I don't see the problem. Really what should be happening is our land registry should move with the times.
  18. I think you would be better in the first instance, to fire an email off to the statistician responsible (Ciara Cunningham) for the report to ask why the report is produced quarterly. Then work from there. I genuinely wouldn't be surprised if there was a plan somewhere to move to monthly.
  19. Simpson Millar looks to be running on fumes. I'd have serious issues taking out a 100k mortgage working there. Salaried partner by the looks of it. 100k absolute tops salary if a 8 year PQE is on 36k.
  20. In reality there's no such thing as 0% finance on cars. You're getting less discount on the price or no deposit contribution. Work the numbers, but probably better to take the dealer finance and then cancel having arranged your own.
  21. Yep, retiring to NI for access to the NHS is a bit of a joke. Fine if you want to see a GP in around a fortnight but for any consultant led treatment you're looking at a wait so long, you might as well say the NHS doesn't exist. You could (until brexit) use the EU directive, pay upfront and get treatment in Blackrock and reclaim. No longer possible. I pay around £140 a month for BUPA, I expect it's similar in the South.
  22. I sort of thought the lack of an exhaust and front radiator grille would be a giveaway.
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