Sarnie

+1 - mine has always been high and I like em like that as it makes for faster gear changes So long as its not slipping, I cant see it being a problem. Can someone explain to me in laymans terms what happens when a clutch slips? How can you tell?

You cant envisage the rate going up again in the near future?? 4% by this time next year That's interesting , I would have thought with raw materials going through the roof (steel, copper alloy etc.) , fuel /gas prices rising , food costs escalating(price of wheat has nearly doubled in 6months ) that it was a sure fire bet that inflation would rise Inflation yes, but interest rates will consequently go down , tenner on it 12 months from now a tenner will wing it's way up to Cumbria if inflation is lower than today No the bet is on interest rates at 4% - besides, there are so many measures of inflation, I doubt I can justify paying my lawyer to get my winnings I'll take £100 on the BoeBR being higher than 4% OK , I'll take your bet if you take it until after the Jan 2009 BofE monetary policy meeting - that's 13 meetings from now Its only 12 as they have had the Jan 08 one, but yeah, your on: +4% after the Jan 08 PS: I really hope I lose the best as I'll make a fortune if the rates come down that low.........

class jay Only 5 months behind up to date with the present posts Your graving diggin posts

You cant envisage the rate going up again in the near future?? 4% by this time next year That's interesting , I would have thought with raw materials going through the roof (steel, copper alloy etc.) , fuel /gas prices rising , food costs escalating(price of wheat has nearly doubled in 6months ) that it was a sure fire bet that inflation would rise Inflation yes, but interest rates will consequently go down , tenner on it 12 months from now a tenner will wing it's way up to Cumbria if inflation is lower than today No the bet is on interest rates at 4% - besides, there are so many measures of inflation, I doubt I can justify paying my lawyer to get my winnings I'll take £100 on the BoeBR being higher than 4%

That's it exactly. Liam, you can't compare leasing a car to renting a house because your house won't lose 40% of its value in 18 months. If the lease payments on a car are no more than the depreciation over the same time, what have you lost? Other than the grief of getting rid of the damn thing at the end. I didn't compare it to leasing a house, Dorian did But only for the hell of it the flaw was 2 pages back Exactly, you started it as usual

PX'd against the lease car. How does that work? Didn't know you could do that?

That's it exactly. Liam, you can't compare leasing a car to renting a house because your house won't lose 40% of its value in 18 months. If the lease payments on a car are no more than the depreciation over the same time, what have you lost? Other than the grief of getting rid of the damn thing at the end. I didn't compare it to renting a house, Dorian did

You cant envisage the rate going up again in the near future?? 4% by this time next year No chance. It would have to come down every other month to reach that. It has to, to avoid a recession - it will be a no-brainer once the US slowdown turns into a recession in Q1-2008 It won't, Its not been 4% since Feb 04, which is nearly 4 yrs: http://www.bankofengland.co.uk/mfsd/iadb/Repo.asp The rate will drop but not to 4% in 12 months.......

You cant envisage the rate going up again in the near future?? 4% by this time next year That's interesting , I would have thought with raw materials going through the roof (steel, copper alloy etc.) , fuel /gas prices rising , food costs escalating(price of wheat has nearly doubled in 6months ) that it was a sure fire bet that inflation would rise True. No way will it go to 4%. I think it will vary between 5% and 6% for a year or two. The econonmy needs to give people a confidence boost in the housing market.

You cant envisage the rate going up again in the near future?? 4% by this time next year No chance. It would have to come down every other month to reach that.

You cant envisage the rate going up again in the near future?? No. 6% and above and the market will start to collapse in on itself. All imo of course....

Never thought about house buying in those terms before Dorian.., very thought provoking.... Hence the inception of Lifetime mortgages Bugger that... I pay enough to the taxman , vatman etc..without giving it a finance house as well I agree mate, I was pointing out what options are available to benefit from spending a lifetime of paying off a house. Whats the point in sitting on a mortgage free house, especially when peoples pensions annuities are providing bugger all and livving in poverty. Assett rish, cash poor? Perhaps because you have a nice house, no bills and quite a few quid to spend Thats not the typical person though......

But what i'm talking about is using someone else money to do that..

My thing, would be that after 18 months of leasing you have nothing to show for your money, e.g no car to sell or px against the next one..... Same as renting a house I guess - some prefer to do that whilst others mortgage themsleves to the hilt, pretending they can afford what they can't. Incidentally for what, when is that investment ever realised whilst you're alive Granted, but in todays market renting is often as expensive if not more so than buying Also, from a biz persective, if the car was bought then the balance will be reducing month by month. And, If business dictates then the car could be sold to realise the capital (albeit that the monthly payments would continue) What happened to the old concept of just buying something when you have the money for it ?? It no longer exists - until it all goes pear-shaped when the mind is (so I'm told) re-focussed If the housing market goes tits up again like it did in the early 90's.. there will be more than refocussing needed Hence the BoeBR coming down last month, the market was at breaking point........

My thing, would be that after 18 months of leasing you have nothing to show for your money, e.g no car to sell or px against the next one..... Same as renting a house I guess - some prefer to do that whilst others mortgage themsleves to the hilt, pretending they can afford what they can't. Incidentally for what, when is that investment ever realised whilst you're alive Granted, but in todays market renting is often as expensive if not more so than buying Also, from a biz persective, if the car was bought then the balance will be reducing month by month. And, If business dictates then the car could be sold to realise the capital (albeit that the monthly payments would continue) What happened to the old concept of just buying something when you have the money for it ?? It no longer exists - until it all goes pear-shaped when the mind is (so I'm told) re-focussed Or the BoeBR hits 15% again and people default on everything

Never thought about house buying in those terms before Dorian.., very thought provoking.... Hence the inception of Lifetime mortgages Bugger that... I pay enough to the taxman , vatman etc..without giving it a finance house as well I agree mate, I was pointing out what options are available to benefit from spending a lifetime of paying off a house. Whats the point in sitting on a mortgage free house, especially when peoples pensions annuities are providing bugger all and livving in poverty. Assett rish, cash poor?

My thing, would be that after 18 months of leasing you have nothing to show for your money, e.g no car to sell or px against the next one..... Same as renting a house I guess - some prefer to do that whilst others mortgage themsleves to the hilt, pretending they can afford what they can't. Incidentally for what, when is that investment ever realised whilst you're alive Granted, but in todays market renting is often as expensive if not more so than buying Also, from a biz persective, if the car was bought then the balance will be reducing month by month. And, If business dictates then the car could be sold to realise the capital (albeit that the monthly payments would continue) What happened to the old concept of just buying something when you have the money for it ?? Old news mate.

Never thought about house buying in those terms before Dorian.., very thought provoking.... Hence the inception of Lifetime mortgages

My thing, would be that after 18 months of leasing you have nothing to show for your money, e.g no car to sell or px against the next one..... Same as renting a house I guess - some prefer to do that whilst others mortgage themsleves to the hilt, pretending they can afford what they can't. Incidentally for what, when is that investment ever realised whilst you're alive Granted, but in todays market renting is often as expensive if not more so than buying Also, from a biz persective, if the car was bought then the balance will be reducing month by month. And, If business dictates then the car could be sold to realise the capital (albeit that the monthly payments would continue)

Pies? Ewoks?

At singing? holding a microphone? Closing her eyes, opening her mouth, sticking her tongue out............

Lol no need to blush...I am a HUGE transformers geek as you can tell probably my biggest interest apart from cars to be honest. Have more than enough toys, statues & DVD's to last me a life time I think...but always want more lol Thanks again for the welcomes guys Neil lol,got back into them about 3 years ago and since have spent over £3k on g1 stuff I love transformers too

class jay Only 5 months behind

Middle one looks 'adept' also

Totally agree, Sarnie. The rear diffuser and spoiler are a complete joke. It may appeal more if it was painted a decent colour.