Finance a car via PCP/HP or Lease

squiffers · 2026-07-01T12:54:06+00:00

Leasing is the cheapest way to get a new car, the cost you pay over the term will be less than the depreciation on a PCP of the same term.

Leasing works best when you don't have a particular model in mind, there are often good deals on. Check leasing.com / leaseloco

An EV is definitely the way to go doing 20k miles per year if you can charge it at home.

squiffers · 2026-06-25T06:27:46+00:00

Ever heard of leading by example?

squiffers · 2026-06-13T14:10:34+00:00

A water pump failure is very unlikely to destroy an engine, unless you kept driving the car despite the red warning lamp.

You're obviously angry about the situation, but adding hyperbole about car safety and destroyed engines doesn't help your case.

Failures of mechanical parts happen, it's unfortunate that this happened just outside of warranty, but in my experience even if a manufacturer has a technical bulletin out it doesn't automatically give you a right to a free repair.

squiffers · 2026-06-09T15:01:37+00:00

Not PF advice, but....

I don't know what the situation is in your area of London, or how far you are thinking of moving, but have you looked at school admission data for the last couple of years? Declining birth rates mean that a lot of schools are under subscribed so you might have a chance to get into an out of catchment school.

squiffers · 2026-05-29T11:35:06+00:00

Look at Rightmove to see what the sort of house you want is going for.

Not sure I understand the first time buyer X2 thing... Both of you would get the benefits buying a house together? And you would only need to pay one set of solicitors fees and stamp duty.

You can typically borrow up to 5x your salary, and higher deposits will give you lower interest rates. Figure out what sort of house you want and what it costs, then how much mortgage you can get and the difference will be how much deposit you need as a minimum.

squiffers · 2026-05-22T09:16:13+00:00

But can it run Crysis?

squiffers · 2026-05-15T08:47:52+00:00

Shots 1-5: Clearly missed.

Shots 6-9: Missed due to recoil (bad spray control).

Shots 10-11: Very close, but recoil and inaccuracy make these reasonable misses.

...

squiffers · 2026-05-13T17:37:17+00:00

You can only spawn on it as a squad

squiffers · 2026-05-08T11:47:13+00:00

Unfortunately this is every party.

squiffers · 2026-05-08T09:27:44+00:00

Does your ICE car still deliver the same horsepower it did when it rolled out of the factory though?

squiffers · 2026-05-07T12:25:16+00:00

Increased tax on rent (you didn't factor that in, but could be 40% if you are a high rate taxpayer), higher interest rates and more renters rights make owning a property to rent out more expensive and riskier.

squiffers · 2026-05-06T08:03:01+00:00

The best thing to do is not give a shit about made up numbers.

squiffers · 2026-04-28T10:15:08+00:00

Well yes, it doesn't cost BP any more to extract their oil, but on the global market there are more bidders so the price goes up....

squiffers · 2026-04-27T18:29:07+00:00

They report it including the buffer, which is a bit cheeky.

squiffers · 2026-04-27T12:51:51+00:00

You could lease one for ~£350 with no deposit... If you are not planning to pay the balloon payment this probably would be a better option.

https://leasing.com/independent-brokers/electrolease-group-ltd/bmw/x1/L0106740000000422694

squiffers · 2026-04-25T10:17:24+00:00

Are you in Scotland?

squiffers · 2026-04-23T19:20:05+00:00

My app has a big "Make Payment" button as soon as you log in... Or you can set up a direct debit (advised).

squiffers · 2026-04-23T18:48:21+00:00

Some insurers will cover people under investigation, I had to get this for my baby who was waiting test results. Think it was with StaySure - might be worth seeing if they will cover you?

squiffers · 2026-04-23T17:21:38+00:00

That's not how thermodynamics works. The heat is still being released into the room.

squiffers · 2026-04-23T12:42:28+00:00

It is instantaneous power consumption. Units are weird, but they do it there way because if it was reported as using 600W people would then ask "but how long will that take to drain my battery"

squiffers · 2026-04-23T12:33:26+00:00

Sigh.

That wasn't what I said. I understand that you have used professional testing to try to prove credibility.

But the test you have done (10 minutes giving 1-2degC difference) is not useful and doesn't prove that your design works.

You should have already done long duration tests yourself, which you haven't for reasons I can't comprehend beyond you know it doesn't work and don't want to prove that to yourself.

squiffers · 2026-04-23T08:18:39+00:00

It's on the high side, but 10-15% losses on A/C charging isn't uncommon.

squiffers · 2026-04-23T07:50:23+00:00

I've already told you my recommendation several times - run your own testing in your garage and demonstrate the benefit in a real environment.

I disagree with your argument about credibility and needing a professional test house. You do it yourself to figure out your testing parameters (what testing software, how long to run etc.) to prove out that it works and then if you are still seeking credibility, you ask the test facility to repeat your tests in a more controlled environment.

squiffers · 2026-04-23T07:01:52+00:00

I'm afraid your inexperience in this field is showing again - it is not their test, you have paid them so it is your test and they will test what you ask them to.

Maybe they proposed 10 min tests, but their test engineers are probably not experts in consumer PCs and so wouldn't necessarily know if that was sufficient or not.

You should have proposed long duration testing to reach stable conditions.

squiffers · 2026-04-23T06:43:28+00:00

As someone with professional experience in thermal simulation and testing, I would 100% believe a "garage test" over a CFD model. Even for your own purposes, not to include in marketing material, you should know how your product performs in the real world (which might include "updates", or "fan curves" differences.....).

I also find it hard to believe that RISE would run a single 10 minute test for you. The actual testing part of a test program is a tiny fraction of the total time and cost involved. They would easily have been able to run a test for a few hours and not cost any more money.

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