The G Man

I’m pretty sure there are a whole range of people on here that are in a much more beneficial position than myself, with regards a large pension pots and lump sums.

Im also sure that there are a number of Porsche current and former owners who know their sh1t!

So, over the past few years I’ve been tempted by all sorts of stuff.

With that in mind, in the not too distant future, as well as financing myself relatively comfortably with a relatively good income and some sound investments in my 42yr working life, when I retire, I’ve come to the conclusion that I want a very, very special car, before I shuffle off this mortal coil.

This will be a Porsche 911

There are a few ‘caveats’ with my Porsche needs, set out below:

1.  Nearly new with less than 3 or 4K miles on it (I’m open to advice on depreciation, if there is any?, solid facts on this please)

2.  Needs to be a 911

3.  Budget £80-90k (maybe more)

4.  NOT track focused, comfortable, high optioned (adjustable suspension, seats, things like programmable keys, adaptive cruise (?), heated and cooled (?) seats, fully electric everything in fact.  Proper GT.

5.  Nothing garish, no neon pee pee colours, no ‘decal’ type sh1t that tells others and me what I already know.

6.  NOT convertible, solid roof, none of this wibbly wobbly chassis pish.

7.  Capable of not embarrassing my 9 year old granddaughter, but capable of making my two 5yr old grandsons the proudest wee boys in school when they get dropped off.

8.  At a push can, I could increase budget

9.  I have no idea, other than I want one, what they are like to drive, enlighten me.

10.  Must compliment our imminent M340D Touring 

17 minutes ago, coldel said:

 

It already is a second car, we have a Qashqai for family duties.

Living extremely north of the “liberal elite”, I’d rather not have any propulsion than run one of them 

Wonder where the V8 petrol beemer sits in the “liberal elite” London   still you n Dan can walk together tae the bus stop 

Get an Aygo 

Don’t rule out a 335d either

2 hours ago, Ekona said:

An E46 is a great car, no doubt, but the E92 is even better. Gives you that incredible V8 as well, the likes of which we'll never see again.

+1 on that, an awesome vehicle in every way.  Bonus is that normal sized adults or huge 9 year olds fit in the rear seats no probs 

One of the best cars I’ve ever driven

Bring me one back and I’ll tell ye    I would imagine that you’d pay tax on the new price for starters as well as tax on every other aspect of importing, mostly made up percentages.

sorry can’t help and I envy your position but I’m guessing your biggest problem will be support in getting it re-mapped (?) if that’s the right word to not talk and operate in Japanese, considering how new these are.  Unless of course, there’s massive import demand.

Emissions ?    I guess that’s why it won’t be available in the UK  

If it ever did come to the U.K. (moanty fck brexit ), I’d add one of them to my drive 

Mine was 0075, be interested if anyone on here had it, 2013 Pearl White, traded it in April 2016.

SN63 AAV

3 minutes ago, paulie said:

Hey Captain George, hows tricks.  Hows all the family.  Loving the tiny terrors, whats their names. 

I'll need to look out for a ruby red mustang 👀 

 not heard Captain George for a while, all good here Pauli, hoose fu’ o grandweans and dugs 

Thats Izzy on the left and Mabel on the right, just picked the wee monsters up on Saturday.

Muzzer has done a lot, over 5 years I’ve had it now, keep yer eye oot, but it’s slow, very, very slow  (about town ). Always loved the GTR, you have a great time in it 

Hey Pauli    I remember Nismo when he was a pup .  Great looking car hope you and the other half are doing well?  

Couple of changes for me as well, some Mustang madness and another two terriers, that have just joined the fold with their 3 series Touring pupmobile, cue dog pic 

Change of names and updated pic of both dogs.

Mabel and Izzy

Cheers Dan .  

Practicality in a small/medium estate was the priority, to be honest all beemers look the same to me , but that statement by Chris Harris a year or so back stuck in my mind and the Mazda, terrific little hatchback, wasn’t going to cut the mustard on our ‘newest’ dog adventure.

Lockdown and all the difficulties along with it has, I suspect, changed a lot of folks perspectives, certainly mine.

Packed full of tech (well enough for my Luddite mind) and, roomy in the rear for grandkids and an elderly dog, coupled with a more than useful boot for two young terriers, with room to spare, will suit our revised lifestyle.

Things I miss from the Mazda, memory seats aligned to each key, which made life easier when getting in the car after wifie, radar cruise control, fantastic on boring, long motorway/roadwork journeys, HUD, which was pretty trick in the Mazda.

Big euro trips are off the cards for a while and the Stang would still be first choice on that (minus dogs of course), staycations (I’m now a ‘mercan’), feature more prominently now for us.  

First Auto we’ve ever had as a family, I had an old Volvo 144 DL back in the day with a column shift auto box, no incidents so far and wifie is loving it after her initial fears of an auto box.

Onwards and upwards, let the adventures begin! (again )

New Mazda 3 is gone, to be replaced with the new  pup mobile (following on from ‘Fran & Anna’ reveal in the pet thread)

BMW 3 Series Touring, M Sport X drive (and no, The Muzzer stays, it’s a car thang!)

couple of jobbyish pics, but you’ve all seen them before!

One half of Fran and Anna, due to bed down on 03/07 

Not sure if this one will be Fran or Anna

Epic looking car   GLWTS

(MPS4S available btw, fitted a new set of rears @ 6 weeks ago )

Today, near Galston, I was heading eastbound after the best fish supper at the Wee Hurry, in my Stang.  Stunning colour and paintwork, but jeezo, that looked an uncomfortable ride 

,any vids of the drive out?

11 hours ago, Ebized said:

Is it me, seeing more or a 370 - particularly in the profile?

Thought the exact same

What we all need to remember regards pension contribution, which I’ve found a staggering amount of people don’t, is that you don’t pay any tax on pension contributions, you’re taxed after pension contributions on your salary are taken off.

Tax comes later when lump sum payments are calculated and accordingly, what income a pension pays out.  It’s all very complicated for us mere mortals but it’s never too early to start learning and hoping you’ve done the best with your money.

You missed taxing them in every country appropriately to the revenue they accrue.  Of course it needs to be retrospective, then the tax that should’ve been paid, would still be in the pots of millions of pensioners pensions, not in the Cayman islands or similar.

But then we come right back to the myth of brexshit, when the truth is, billionaires don’t like to be taxed fairly, not at any cost and certainly not to help a country or individuals to have a comfortable future.

If you’re happy at that, then I suppose you are happy to die ‘in service’, when you may well be 75 patrolling some landing full of criminals and thugs (think about that for a second) with no hope of retiring, despite the ‘5% - 25%’ input to your pension 

1 minute ago, Ekona said:

Tax them at the point of use, not at the point many years later. That’s my point. 

Tax them in ALL the countries they operate in, on the revenue they accumulate in that country, not som tax haven, convenient minimal tax regime.  Tax them now and make it retrospective.

5 minutes ago, Ekona said:

Someone started those, from absolutely nothing. So yes, it still applies. And yes, if the state doesn’t like them circumventing perfectly legally the tax laws at source then change the tax laws. 

Exactly!  Change the tax laws, tax the rich and powerful more, thankyou for confirming that point 

8 hours ago, Ekona said:

Ive got a banging pension with the prison service, 5% from me and 25% from them, can’t complain at that at all. Also got a private one from previous work but that’s just a tiddler really. Tbh I’m expecting to die in service so it’s all irrelevant

You're just in the job, that’ll be worth next to nothing just now.  5% from you? Used to be zero %, non contributory, except widows and orphans fund (2.5%).  2 for 1’s in some cases.

Good luck I hope you don’t die IN service or in service, hope you have a long retirement 

1 hour ago, Ekona said:

Half a million is easy to pass though if you’re including property, that’s my issue. Make it £5M+ and I’d consider it vaguely sensible. 
 

That being said, if it’s been earned legitimately (ie not via crime) then tax has been paid at source, so why should it have to be paid again? We already have inheritance tax which is bad enough, this would be an absolute urine-stealer. Let’s say I work hard and make a company that employs thousands, creates huge amounts of wealth for the country, and am able to set my kids up for life, why should I be punished? If people are following the rules on tax and avoiding it legally, then change the rules on tax in the first place. Don’t move the goalposts because the state is too inept to create something that’s not possible to bend. 

What, like Amazon, Google, Facebook .  

Well, the financial crash, which cost @ 1/4 of what Covid so far has cost.  For the little misadventure of a global financial crisis, women of a certain age lost 7 years of state pension and their male counterparts lost a minimum 2 years, in today’s terms that was @ £72,000 pounds in saved (which were paid for) state pension income for a couple who had full NI contributions.

That was before they started dismantling the final salary pension schemes that were once a fantastic work benefit, through tax changes, national insurance changes and a multiple of stealth tax on investments on a level pertinent to probably people like most on here.

Pension pots are already being raided with tax cuts to lifetime pot accumulation.  There’ll be more legislation, on a quite aggressive scale, to further claim from the big pension funds.

Im no expert but at 37, if I were you, I would be heavily investing in a pension if you’ve not done so yet.  There is a lot of good organisations out there that will help.

Even my cast iron final salary pension has moved position in the last few years due to government raids (I’m talking two years ago) to push what I was due at 60, to 62.  All this in the last 10 years, the next 4 years will see a massive influx of legislation not for an imminent pensioners benefit.

All this and we’re only 6weeks into brexshit, in another 6 weeks we’ll be under new pressure from that jobby sandwich.

i think the markets, if you know how to work in/with them, is the way to go now.

Most of NASA’s $2billion was spent on shift allowance for all that 24hr a day computer watching.......I mean flying a spaceship......