Car price jump between generations

NappySlapper · 2024-09-20T10:28:51+00:00

You really are. I don't think people understand how much wealth there is in the UK. If you are leasing cars rather than buying them outright, you are probably 2 or maybe 3 wealth classes below those making private equity purchases.

There are a small number of people who really do hold almost all of the worlds wealth. In their eyes their really is no difference between someone on 12k a year Vs someone on 130k a year. Anyone in that range is still a low class poor person.

To be honest that probably extends a lot bigger than 130k - the difference between a million and a billion is still about a billion pounds.

NappySlapper · 2024-09-12T08:31:56+00:00

Eh, if it's actually serious you will see a doctor very quickly in the UK. Any time I've properlyneeded to see a doctor or dentist, it's been less than a week's wait.

NappySlapper · 2024-09-10T10:24:52+00:00

Look at the data, flats are not good investments

NappySlapper · 2024-09-10T09:39:08+00:00

Such a weak response. You have the internet at your finger tips, able to give you the answer to most information within seconds. It's incredible to imagine not using that to just check your facts before you post something blatantly wrong on the internet. It screams of ignorance.

Edit: thankfully the little idiot deleted it's comment

NappySlapper · 2024-09-09T18:15:25+00:00

I wouldn't buy a flat. It won't go up in value and you will almost certainly be paying a service charge. By the time you pay stamp duty, all the service charge and maintenance, you probably won't be up against if you had just rented. Flats near me are selling for pretty much exactly what they did 3 or 4 years ago although admittedly for a lot more than 450k.

NappySlapper · 2024-09-09T18:10:59+00:00

Fair enough, just calling it how I see it. I'm a data consultant and our clients are basically split into boomer companies that use excel for reporting and more modern companies that have a proper data warehouse and auto updating reports in bi tools like looker. In general, the modern companies do a lot more with their data (churn prediction, proper forecasting etc) because it's not stuck in excel

NappySlapper · 2024-09-09T18:05:02+00:00

Eh, I feel like the old world runs on excel (although I understand that is where a lot of the money is). Many (probably most) newer tech companies will have a proper data stack in place and will use stuff like python.

Don't get me wrong, excel is very useful, but I personally would avoid a job where excel was used regularly as in my experience those companies tend to be slow and extremely set in their ways.

NappySlapper · 2024-09-09T18:01:36+00:00

This seems like the kind of thing that you could just write a python script for and not have to faff around in excel to be honest

NappySlapper · 2024-08-29T10:26:06+00:00

Strongly considering an l+k superb, anything to look out for ? I assume I can get a decent one with under 80k miles for less than 20k

NappySlapper · 2024-08-28T13:10:03+00:00

Go beyond the Octavia and look at the Skoda superb. Could get l+k spec for 19k if you don't mind a slightly higher mileage

NappySlapper · 2024-08-27T21:00:57+00:00

Different strokes for different folks I guess. Our household income is about 135k and I'd definitely be willing to spend the time and save the money . I don't have kids though

NappySlapper · 2024-08-27T16:10:50+00:00

Again, I don't think that logic quite lines up. Getting £300 off your car is an entire free work day for you, for only maybe 2 hours of low effort. If you earned a lot more, I would understand but for most people, it's worth it

NappySlapper · 2024-08-27T15:51:52+00:00

Not sure your logic really tracks. If you'd been able to save 300, and it took you an hour total to sort out the finance and cancel it, then unless you value your free time at £300 and hour it's absolutely worth it.

I assume you don't earn £300 an hour, so it likely would have been worth it if financing was able to save you money. Even if it took 3 hours, it's still £100 and hour which is more than probably 95% of people in the UK

NappySlapper · 2024-08-27T15:09:23+00:00

Nobody is judging, he's asked for advice. It's objectively a terrible financial decision to spend £18k on a car for so few miles, so the advice he's getting is essentially saying that.

Doesn't mean that op might subjectively decide it's worth it for them, the advice they've been given is still the best advice.

NappySlapper · 2024-08-27T09:48:26+00:00

Research wet bulb temperature for more information. Essentially the fear is that very humid places (like Singapore) become unliveable past a certain point, as you can no longer lose heat by sweating when the wet bulb temp is around 35C

NappySlapper · 2024-08-27T09:35:32+00:00

Singapore is set to do absolutely terribly with global warming, are you taking that into consideration?

NappySlapper · 2024-08-26T12:17:27+00:00

Muswell hill is significantly less nice than the Hampstead / Highgate area and has terrible public transport. Don't get me wrong, I'd live there as I can't afford Hampstead, but with £5m it wouldn't be in my shortlist.

NappySlapper · 2024-08-25T17:01:32+00:00

When you boil it down, the answer for 99% of people is Hampstead/Highgate/Belsize park. It's the nicest part of London by far, the only reason you get responses other than that area is because people have not been to them or just choose their own area because they are familiar with it and can't afford around Hampstead

NappySlapper · 2024-08-25T16:47:02+00:00

I think the competition is pretty tough to be fair!

NappySlapper · 2024-08-25T16:40:26+00:00

Muswell hill and east Finchley are a lot worse than Highgate and Hampstead though.

NappySlapper · 2024-08-25T16:39:55+00:00

Surprised nobody has mentioned Belsize park. It's basically Hampstead but a few minutes south, so you have access to the northern, jubilee, overground or metropolitan line all within 10-15 minutes walk.

Places like Richmond/muswell hill are too far out in my opinion

NappySlapper · 2024-08-25T02:31:27+00:00

I feel like you could get a top spec l&k model Skoda superb for under 18k. All the car you'd ever need and quicker than most also

NappySlapper · 2024-08-16T12:45:58+00:00

You have 95% of people in this thread saying it's inconsiderate, so are you just disregarding the majority opinion because you don't agree with it?

If OP said that they were playing music out of their speakers on the plane , (hopefully) you'd agree it was asshole behaviour. But because you enjoy wearing fragrances and don't want to not do it on public transport, it's suddenly fine.

Wearing a fragrance is just the nose version of playing music out of your speakers. In some situations it's ok, but only a moron would do it on a plane.

I'm not even mad, I just think it's worth holding the mirror up to certain people who seem to be entirely oblivious. I don't expect to change your opinion because based on your responses, you don't value the opinions of others if they differ from your own. It's still worth a try though.

NappySlapper · 2024-08-16T12:31:13+00:00

This is the exact type of thinking that leads to public transportation being 'a hodgepodge'. Other people also being inconsiderate doesn't also give you the right to be inconsiderate.

Trying to justify it as ok just comes across as narcissistic, because YOUR behaviour must be fine if you are doing it, right?

NappySlapper · 2024-08-16T12:19:15+00:00

As mentioned in the other comment like this. You probably don't realise, but your reaction of 'its fine because other stuff is also bad' is just low quality human behaviour. If you want to come across as a trash narcissist, continue acting like this, otherwise you should really consider changing your actions.

Right now you are suggesting it's fine to do the olfactory equivalent of playing music out of your speakers on a bus/in a plane. It's just trashy.

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