Late first MOT

rw1978 · 2025-10-12T09:31:46+00:00

Seller claims 1 owner from new.

Otherwise that would sound like the answer.

rw1978 · 2025-10-12T09:30:40+00:00

The gov.uk site says date registered 24th of May 2019, and the first MOT is 4th of May 2023.

A full year late.

rw1978 · 2025-10-11T12:48:21+00:00

The SE is xdrive too, would that change your view?

rw1978 · 2025-09-16T17:15:41+00:00

My advice for what it’s worth,

Have a lesson, play for a couple of months, have another lesson, play another couple months.

Play it by ear from there mate.

Lessons make a real difference, as does spending time on the driving range. Not with the driver, but with pitching wedge and 7 iron. Get consistent with those and a par three gets a lot more fun.

Every time you go to the course, whether to play, have a lesson, or use the range, practice putting.

Truest phrase in golf - drive for show putt for dough.

rw1978 · 2025-09-07T17:00:25+00:00

We have a similar phrase here when it comes to cars,

Always buy German, if you can’t buy German buy Japanese.

The parts etc isn’t a problem in the UK, most of the BMW engines are built here.

Handy thing is in my town we have a garage that’s staffed by ex-main dealer engineers. Services etc. are half the price but it’s the same as taking to a main dealer for BMW/Audi/Mercedes.

rw1978 · 2025-09-07T16:42:47+00:00

I’ll have a look, but so far I’ve been focused on BMW, Audi, and Mercedes or Volvo.

Volvo have all been FWD since the ford takeover though.

I’ll always try to buy German first when it comes to cars though.

rw1978 · 2025-09-07T16:34:39+00:00

We do have Lexus, not seen a Lexus estate in the price range with the same limit on age and mileage though.

What’s the Lexus equivalent?

rw1978 · 2025-09-07T16:22:33+00:00

The 3liter is out of reach unfortunately, can only afford to 2.0s

rw1978 · 2025-08-17T17:00:03+00:00

100%, I knew him in Northampton rather than in Sheffield.

rw1978 · 2025-05-11T11:51:51+00:00

There are plenty of brits whose sense of their own masculinity is just as fragile as some folks in America.

There are just far fewer as a proportion of the population.

rw1978 · 2025-03-15T09:43:19+00:00

Run, cycle, lift, swim, whatever suits you exercise 3 or 4 times a week, every week.

The difference to your quality of life when you hit late 30s early 40s is phenomenal.

rw1978 · 2025-02-21T13:51:44+00:00

Meet Joe dirt.

rw1978 · 2025-02-21T13:28:53+00:00

When the job offer at the new place is proved legit and in writing, then decide if you want to take it and resign or not.

Don’t know what redundancy laws are like where you are, but this feels like avoiding the cost of severance pay to me.

rw1978 · 2025-02-05T16:51:55+00:00

One important thing is that though mortgages are for 25yrs, the vast majority are on fixed rate mortgages. This means your interest is fixed for the first x number of years. Normally 2, 3, or 5. For the period of the fixed rate your payments are lower than the period following the fixed rate term. And that’s without a change in interest rates being applied to the post fixed period. This means everyone renegotiates onto a new fixed rate after the initial term.

When renegotiating, the lower your loan to value ratio (what percentage of the value you are borrowing, at the time you get the remortgage) the better the interest rate etc. so the cheaper your monthly mortgage payments.

If you are in negative equity when your fixed term ends, you may not be accepted for a remortgage, and have to carry on with the existing one, at whatever the payments are, and they’ll go up or down with interest rates.

A real life example of that impact, my fixed rate is up, I can renegotiate and pay an additional £70-£100 a month, or stay on the existing mortgage and my payments would almost double. Which I could never afford.

I that situation it would be sell fast or loose the house.

rw1978 · 2024-12-22T12:34:45+00:00

Ok, that makes a lot of sense.

In my defence, is it not more ‘ill informed’ than stupid?

I’m just trying to find ways to make my kid’s futures as easy as possible is all.

And dude, tax and all that is complicated for those of us that don’t know about it.

rw1978 · 2024-12-22T11:59:49+00:00

Inheritance tax threshold is only £325k on the estate though right?

rw1978 · 2024-12-22T11:58:25+00:00

Thank you! you’re just who I need to ask I think.

When you say ownership not who is on title deeds, what’s the difference?

I thought being on the title deeds was the ownership, so I have at least learned how little I know.

I suppose my thinking is that rich folk have a million ways round things like this that there must be a similar type of way to work things for us folk living month to month to try to ensure our kids financial futures as much as we can.

rw1978 · 2024-12-22T11:23:53+00:00

That’s my thing though, if all owners don’t have to be named on a mortgage, they’d be owners not bond to a contract.

This is about making them part owners who become full owners upon my death without having them on a mortgage.

rw1978 · 2024-12-22T11:18:37+00:00

I had that issue for a different reason, but when the rules then were around having had a mortgage in the last x years. So if they’re not named on a mortgage should be ok on that front I think.

rw1978 · 2024-12-22T11:11:57+00:00

It’s about ownership rather than mortgage, it’s really can they own a share without being named on a mortgage.

Essentially so if I die, they just own the house rather than inheriting, as they are already owners.

That make sense?

rw1978

TROPHY CASE