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Post by Big Blue on Nov 27, 2020 22:11:42 GMT
I feel better for knowing all that. Well done Yes: sorry for that. Try to think of it more as a message giving hope. When I got divorced I had around £80k of unsecured personal debt and a huge mortgage, all controlled only by the fact I was paid a large salary and received two annual bonuses. It meant work was an absolute imperative, personal interest or not, and whilst I enjoyed most aspects of corporate life I objected mostly to the toxic nature of the greasy pole climbers. Divorce basically forced me to rethink my lifelong attitude that regarded personal debt as just part of the western world, a change of thought that was accelerated by W2.1 who would not countenance that mentality. What I’m saying is if someone in their 50s who hasn’t really carried cash since 18 years old when his first credit card appeared; who carried a spreadsheet around with a monthly budget on it to balance the incoming finance and who routinely refused calls from unknown numbers can get to where I am there is light at the end of the “all your income is gone as soon as it arrives” tunnel. The most bittersweet element is that when I said goodbye to my Pop for the last time six years ago he knew I’d already managed to get to that position so it’s his grandchildren that his legacy looks after because he raised me to make sure I could look after myself. I’d still rather he was here. Perhaps that’s why I’m now that way, to keep an element of him alive. |
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Post by michael on Nov 28, 2020 17:11:18 GMT
The Volvo was the only car I’ve ever borrowed money on and that was because it was interest free and they gave me £500 for the privilege. The reason I’m reluctant to borrow money is my reasonable suspicion that I’ll soon be discovered as a fraud at work and I’ll be unable to service any debt.
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Post by johnc on Nov 28, 2020 17:53:43 GMT
The Volvo was the only car I’ve ever borrowed money on and that was because it was interest free and they gave me £500 for the privilege. The reason I’m reluctant to borrow money is my reasonable suspicion that I’ll soon be discovered as a fraud at work and I’ll be unable to service any debt. That's one of the very few benefits of working for yourself, I'm unlikely to sack myself. I am however currently enduring one of the many downsides which is working on a Saturday. |
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Post by michael on Nov 28, 2020 17:58:24 GMT
I have a consultancy i run on the side as back up. That said there are times I’d fire me.
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Post by PG on Nov 28, 2020 19:30:32 GMT
I feel better for knowing all that. Well done Yes: sorry for that. Try to think of it more as a message giving hope. When I got divorced I had around £80k of unsecured personal debt and a huge mortgage, all controlled only by the fact I was paid a large salary and received two annual bonuses. Indeed it is a message of hope. When I moved from London to Shropshire in 1992 post divorce, I had a large overdraft and no equity in my London property that I needed to sell as my money grabbing ex wife took a lot of it and the 1991 property crash took the rest. At least I did not have negative equity unlike a lot of other people, so I was lucky really. |
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Post by racingteatray on Nov 29, 2020 16:42:52 GMT
I feel better for knowing all that. Well done Divorce basically forced me to rethink my lifelong attitude that regarded personal debt as just part of the western world, a change of thought that was accelerated by W2.1 who would not countenance that mentality. To a degree marriage forced me to rethink mine, because my wife also abhors debt. It stresses her. Whereas as I do debt finance for a career, the notion of leveraging debt is perfectly normal for me and I'm not scared of it. When we finished the work on our house, there was a very substantial costs overrun that I funded via a credit card. Santander did me £20k for 0% interest for 41 months with no transfer fee. That is literally free money for 3.5yrs. What's not to like? You just have to be disciplined. I'll take finance any day if it's low interest or no interest. |
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Post by racingteatray on Dec 18, 2020 11:34:31 GMT
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Post by Martin on Dec 18, 2020 11:43:56 GMT
£50k feels like a lot for a 3 year old Macan, but that’s a very good spec (no, it’s excellent) and will sound better than the S you tried thanks to it being pre GPF and having the sports exhaust. With a gold plated 2 year warranty and lower servicing costs (after 3 years) getting a Porsche of that age does make sense and the mileage isn’t an issue as you’d bring the average down. Full saddle brown leather (inc steering wheel), with matching leather covered trim strips and brown seat belts is definitely an acquired taste, you might like it but other may think it horrendous..... I’m in Swindon now, if you didn’t have to make an appointment, I’d drop in later and get some pictures for you. |
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Post by racingteatray on Dec 18, 2020 11:51:14 GMT
Thanks. The salesman said it's not at Swindon right now in any event - it's somewhere else being prepped. Cannot be far as he was thinking of driving over there to see if he could do a video of it for me.
I've googled pictures of the full SB interior. I like it and I guess that's the main thing. But I shall reserve judgment until I see pics of the actual car (and said as much).
It's actually the cheapest PP car (albeit also the leggiest) available. The others are all comfortably over £50k and not as well specified. I'd not want one without the upgraded lights and pano roof for example. Plus I object to black cars with black leather. I have two friends with Macan Turbos and both are black with black leather. It's quite smart but also funereal and impersonal.
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Post by Roadrunner on Dec 18, 2020 12:36:37 GMT
That looks lovely. Would be rude not to...
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Post by Martin on Dec 18, 2020 12:43:08 GMT
The PP cars have a strip of red leather on the seats if the interior pack had been specced, I don’t particularly like that either.
Funnily enough I was looking at them at the weekend, wondering what you could get for around the £50-55k mark as a Golf replacement. Not that I particularly want to change and I don’t want 2 SUVs, so a bit academic, even more so as the Golf isn’t even 2.5 years old yet and has only done just over 22k miles.
A discounted new Golf R in my spec would be £45k (£5k discount already), an A45S is high £50s after discount, there’s nothing that interests me that feels like reasonable value even with some man maths.
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Post by franki68 on Dec 18, 2020 13:28:04 GMT
That looks like a very nice spec,I am no macan expert but air suspension is not very common I would guess and it is very nice. |
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Post by Andy C on Dec 18, 2020 14:10:38 GMT
Sounds good but i still think I’d keep the 440
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Post by racingteatray on Dec 18, 2020 14:24:27 GMT
Sounds good but i still think I’d keep the 440 Well indeed. That is now mine and I no longer have to fork out £390 per month for it. Whereas the Macan would cost me circa £460 per month, albeit that it would return the majority of the cash now locked up in the BMW to my bank balance. |
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Post by Martin on Dec 18, 2020 15:54:58 GMT
Sounds good but i still think I’d keep the 440 Well indeed. That is now mine and I no longer have to fork out £390 per month for it. Whereas the Macan would cost me circa £460 per month, albeit that it would return the majority of the cash now locked up in the BMW to my bank balance. Not much benefit putting cash back into the bank really unless you’ve got something else to spend it on and is it worth c£30k more for something only 1 year newer and quite a bit more ‘used’ than the BMW that will cost more to run? Only you can answer that! |
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Post by racingteatray on Dec 18, 2020 16:10:06 GMT
It's a year newer and has 12k more miles.
It will also cost more to insure at a guess and attract full-fat tax for another two years.
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Post by PetrolEd on Dec 18, 2020 16:16:58 GMT
Yes but change is as good as a rest and all that.
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Post by Martin on Dec 18, 2020 16:36:15 GMT
It's a year newer and has 12k more miles. It will also cost more to insure at a guess and attract full-fat tax for another two years. And fuel costs would be quite a bit more. I know someone who went from a current M3 to a GTS and the low 10mpg difference on the motorway shocked him. But unsurprisingly, I’m with Ed.....I’d be more than ready for a change by now. Porsche will make it feel like close to new, with a front end respray, fresh wheels etc. LR do the same (wheels in my cars case) and they must have some chassis cleaning equipment as when you looked into the wheel arches it all looked brand new. edit: good man maths in the mileage, 12k sounds so much better than 40% more! |
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Post by michael on Dec 18, 2020 16:40:58 GMT
You get over fuel costs by not having the trip set to MPG and not bothering to calculate it.
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Post by Martin on Dec 18, 2020 16:50:42 GMT
You get over fuel costs by not having the trip set to MPG and not bothering to calculate it. True, although only if someone is paying the bills or you do so few miles you don’t really notice. I don’t really mind what the mpg is as long as it has a tank to suit and can do an easy 400+ miles. |
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Post by Deleted on Dec 18, 2020 17:00:44 GMT
I believe that although change can be good, it HAS to bring something truly sensational to the party. Change for change sake with increased cost is imho, vanity, pure and simple. For at least the next few years money in the bank and less stress with a product that does everything you need it to with style to boot is a no brainer. We still do not know what the next two years or so will bring so until we do, unless we can write off a sizeable chunk of money, logic rules.
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Post by michael on Dec 18, 2020 17:09:13 GMT
You get over fuel costs by not having the trip set to MPG and not bothering to calculate it. True, although only if someone is paying the bills or you do so few miles you don’t really notice. I don’t really mind what the mpg is as long as it has a tank to suit and can do an easy 400+ miles. Last year I did 20k in the Discovery. It is what it is and I knew what I was getting into. If fuel economy is that much of an issue look at a Prius instead. |
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Post by racingteatray on Dec 18, 2020 17:19:46 GMT
I believe that although change can be good, it HAS to bring something truly sensational to the party. Change for change sake with increased cost is imho, vanity, pure and simple. For at least the next few years money in the bank and less stress with a product that does everything you need it to with style to boot is a no brainer. We still do not know what the next two years or so will bring so until we do, unless we can write off a sizeable chunk of money, logic rules. Absolutely agree. But I must say, purely as a car, I did like a lot the Macan S I test-drove in September. It was a jolly nice way to go from A to B. Nicer than my current car - it's a decidedly more attractive and luxurious interior for starters. It just needed a good dollop more power and much fruitier vocals. I actually wasn't aware that such a thing as a Performance Pack version of the Macan Turbo existed. I clicked on this one because of the colour combination and only then did the rabbit hole open up before my eyes... The real dampener is likely to be my wife who'd probably kill me if I even suggested it. |
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Post by Martin on Dec 18, 2020 17:23:23 GMT
True, although only if someone is paying the bills or you do so few miles you don’t really notice. I don’t really mind what the mpg is as long as it has a tank to suit and can do an easy 400+ miles. Last year I did 20k in the Discovery. It is what it is and I knew what I was getting into. If fuel economy is that much of an issue look at a Prius instead. A Prius....no need to be nasty, I was only pointing out that it would be worse!  I actually agree with you. I bought a 4.4 petrol V8 to do 30k miles a year in, but the fuel costs were a drop in the ocean compared to the depreciation! I knew exactly what I’d be getting into on both points. |
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Post by PG on Dec 18, 2020 17:34:45 GMT
I've been a front seat passenger in our friend's Macan Turbo. I think it is about 18 months old. It didn't sound particularly fruity, so may be post GPF etc. It's black with a black interior. No red piping so, as I now know, that means no PP. What does the PP give you?
The interior felt a very nice place to sit and the seats were firm but comfy and I would not say the suspension was too hard either. I don't know if it was on air springs or coils.
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Post by Martin on Dec 18, 2020 17:51:36 GMT
The PP is a Turbo with a bit more power, bigger brakes and GTS suspension. Pick of the range IMO. The interior with the red leather sections is an upgrade, Turbo interior pack iirc, also available on the normal Turbo which added contrast stitching (like the GTS).
All academic though if Racing hasn’t got authority to proceed.
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Post by michael on Dec 18, 2020 18:15:25 GMT
Is the Power Pack available on other Porsches or is it called a Turbo S in those instances?
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Post by racingteatray on Dec 18, 2020 19:29:28 GMT
All academic though if Racing hasn’t got authority to proceed. My only chance is that my wife has commented that she'd like a medium-sized SUV. |
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Post by Martin on Dec 18, 2020 19:31:16 GMT
Is the Power Pack available on other Porsches or is it called a Turbo S in those instances? The 911 had the option of a power upgrade for a while, but normally it’s the Turbo S, I’m not aware of other power upgrades. |
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Post by Martin on Dec 18, 2020 19:32:00 GMT
All academic though if Racing hasn’t got authority to proceed. My only chance is that my wife has commented that she'd like a medium-sized SUV. Good luck! |
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