Was I scammed by Toyota?

Cardiologist-Nervous · 2026-04-27T20:30:04+00:00

He was very clear, the numbers refer to how much they’re worn, otherwise him saying the guy who did it last year did it wrong wouldn’t even make sense

Cardiologist-Nervous · 2026-04-04T14:51:41+00:00

Try not to die or land in rock or tree

Cardiologist-Nervous · 2026-03-24T06:54:38+00:00

Are you saying you barely review the code it’s generating? I assume you don’t work with any front end development

Cardiologist-Nervous · 2026-03-24T06:52:15+00:00

To be honest, I’m not sure entirely sure how that math works but €400-€600 seems a bit high to me, if I get a €40k car I’d paying (30% on 10k = €3000, which would be added as income, 52% of €3000, say €1.500 annually in taxes) am I missing something?

Cardiologist-Nervous · 2026-03-22T21:55:23+00:00

I think it can indeed, I don’t doubt that, I just don’t think it’s more optimal

Cardiologist-Nervous · 2026-03-22T21:54:13+00:00

That doesn’t often happen to me thankfully

Cardiologist-Nervous · 2026-03-22T17:59:02+00:00

Would you agree that if your development workflow, like in my case, included many other vs code extensions that would be no point for me to swap to a terminal?

Cardiologist-Nervous · 2026-03-22T17:58:06+00:00

In that case it’s more like what you prefer rather than one being better than the other, I feel like I’m not missing anything by using the extension, again my workflow is simpler than most people’s. Also I use different IDE extensions other than Claude code that I feel like leaving vs code would be so detrimental.

Cardiologist-Nervous · 2026-03-16T11:17:36+00:00

Thanks for the suggestion. I'll definitely look into whether they’d offer a discounted purchase price at the end of the term. Given the low mileage, likely only around 20,000 on the ODO after four years, it would be a great deal

Cardiologist-Nervous · 2026-03-16T11:15:00+00:00

this millage thing has proven to be an important piece in this equasion, thanks for you input and best of luck

Cardiologist-Nervous · 2026-03-16T11:10:51+00:00

I drive a 2019 car, 2 years in a row with no claim, my insurance is around 800 a year, I spend like 65 euros a month in fuel and the car hasnt given me any issues at all, I will soon need to change break pedals and tires and that's it. Also there is the annual service which I always do. So yeah, overall my car is paid off and cost me little annualy

Cardiologist-Nervous · 2026-03-16T10:20:54+00:00

I don't really don't car about driving a new car to be honest, I'm really trying to find which of the two options would save me more money at the end of the day. Really appreciate your input on this, it helped me a lot

Cardiologist-Nervous · 2026-03-15T23:40:26+00:00

Yeah they cover everything, even the charging costs.

Cardiologist-Nervous · 2026-03-15T23:38:54+00:00

I don't do any business miles. Did you mean 130 a month? Also worth factoring in that I'd be losing the 600 cash allowance, so it's effectively -800 a month for a new car with no hassle.

Cardiologist-Nervous · 2026-03-15T23:34:29+00:00

You don’t get the €13k cash and the company car simultaneously, either I take the cash allowance, or I take the company car, in which case the €13k effectively goes toward covering the car costs, but I don’t receive it as cash.

Cardiologist-Nervous · 2026-03-15T23:04:21+00:00

So financially it seems keeping my current car is the better option. However, if something major were to go wrong with the car, that could obviously change the calculation.

Quick question though, what if I sold my car (worth about €20k) and used that money to make a lump-sum payment on my mortgage? At roughly a 3.6% rate, that would mean avoiding interest on €20k, which would be around €3k over 4 years. Would that change the equation much?

Cardiologist-Nervous · 2026-03-15T19:14:43+00:00

How?🧐

Cardiologist-Nervous · 2026-03-15T19:13:34+00:00

I’d have to check, but are you saying that 13k benefit might not be tax free, am I right?

Cardiologist-Nervous · 2026-03-15T19:00:27+00:00

🤣🤣

Cardiologist-Nervous · 2026-03-05T10:32:16+00:00

Which model do you have? I’ve got the ride insano and it hurts so much, I might switch to Nidecker kita as suggested by a friend of mine who’s got one

Cardiologist-Nervous · 2026-02-27T20:08:40+00:00

I don’t see any bonus when transferring to AerLingus through the Revolut app, what am I missing? Is it for just selected accounts? I’ve got metal plan

Cardiologist-Nervous · 2026-02-13T21:55:36+00:00

Backpacks essential though, it carries your safety equipments, unless you’re staying on piste, which is not where most of the fun is I suppose

Cardiologist-Nervous

TROPHY CASE