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AndyElZorro

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Posts posted by AndyElZorro

  1. I walked in to the Braunstone Victoria Working Mens club the other night and there was this crazy old woman sitting in the reception with her legs wide open and straw hanging out of her fanny. I just winked at her as I walked by and she said hay up me duck!

  2. The Buckeyes will avenge their loss to Indiana in the Championship game. I am a Buckeye fan for two reasons; the first is a close friend who is suffering from MD that used to play for them. His grandfather was also their first QB to play in the Horseshoe. The second reason is that a Buckeye is another word for Conker. What other team could invoke childhood memories of getting your knuckles broken on Braunstone park? And besides, could you imagine a team in the UK being called the Conkers? I know they play in red, but I can look past that at my age.

  3. 14 minutes ago, Bilo said:

     

     

    I barely comment here, but as someone who lives in NYC, was there that day and lost quite a few friends I don't find this post funny at all.

     

    • Like 2
  4. 28 minutes ago, Lichfieldfox. said:

    I'm in Spain for a few months and paid for the hub international pass at start of Jan. Saw Huddersfield game but tonight the website states I'm in an unauthorised territory. Rather unhelpfully the territories that games can be viewed on the hub web page for tonight's game is as follows just 2 hours before kick off. I might have to go to a pub instead but I'm unimpressed that this is so disorganised :

     

    Ipswich Town (H) | Monday 22 January | 8pm KO
     

    Broadcast availability will be confirmed for this fixture shortly. 

    Audio commentary is available everywhere. 

    This is because it is being broadcast on Sky (ESPN+ in the United States). The game will not be on FoxesHub tonight.

  5. On 16/12/2022 at 08:40, TK95 said:

    Quick Google, they look like proper savages. Gerremin!

     

     

    satan2.jpg

    This is not far from my house. It's next to a ski resort and river tubing. There is also a dive bar about 50 yards behind the sign and a pretty good brewery called Legitimus half a mile up across the street.

    • Like 2
  6. On 26/10/2022 at 14:12, tom27111 said:

     

    The lease will literally be a long term rent. You won't even have the option to buy it at the end.

     

    It's a good way to get access to a brand new car that you otherwise would pay a lot of money for on a PCP, but you build no equity in the car and you're tied in to the lease for the duration.

     

    You also do have to stick to the mileage, or they will charge you for anything over.

     

    A bank loan will give you a much better interest rate compared to car finance. But if you need a loan for some kind of emergency, you'll find it harder to get one if have an existing one, whereas car finance is secured on the car, so you still have the option of getting a bank loan if you ever needed to.

     

    My advice would be have a look around at what sort of thing you like, narrow it down, take some for test drives and chat to the salesman.

     

    If you get a good one, they'll be honest with you and quote you. Look at the figures for PCP and HP, then see what a loan for that amount would cost you.

     

    PCP would offer a lower monthly payment, you'd also get the option to buy the car at the end of the term, or re-finance it. And importantly, you can build equity.  For example, if you have a 4 year PCP, but want to change after 3, if you owe 10k, but your car is worth 12k, that extra 2k is yours as cash, or as a deposit to your next car.

     

    I hope that makes sense?! 

     

    Please feel free to PM me at any time. I've got contacts who deal with brand new cars and someone at a used car supermarket with access to virtually and brand.

    A lease payment is based on the difference between the agreed upon sale price and the residual value of the vehicle at the end of the agreed upon lease period, plus taxes and interest. The residual value is used to determine the vehicles worth at lease end and is the amount the dealer would ask you to pay to keep the vehicle - which you have the right to do. A lease payment is nearly always less than any kind of finance unless the finance is spread over a much longer period of time. A lease is a good idea for people who like new cars frequently or do not want to have any maintenance expenses over, say a three-year period. Also, as the worlds used car market it hot right now due to lack of supply chain issues and computer chips, people can actually turn a profit at the end of the lease as the residual value can now be much less than the used car sale price. In these situations dealers will try to buy you out of the lease early - or maybe offer you a new deal on a new lease which seems to be too good to be true. You should check the used values to determine if it makes sense to purchase at the end of the lease and then immediately sell for a profit, or flip the same back to the dealer using the equity you now have. Regardless, you always have the option to purchase at the end of the lease (it's contractual), and usually the payments are always less for more vehicle over the same measured period than a purchase.

  7. I'm a Jets fan currently on cloud 9 but well aware reality will set in sooner rather than later. Buffalo look very very good in the AFC and the Eagles likewise in the NFC. There have been some really good surprises so far this season. I never thought Tampa would be struggling as much as they are. I would never have imagined the Giants would be 5-1. I would never have imagined the Packers would be 3-3. Lots of thrilling matchups to come, but from what I have seen so far it will take a lot to knock off the Bills and Eagles.

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