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1
General discussion / Re: Buying a new car - finance plans
« on: October 16, 2017, 06:12:10 PM »
I'm just wondering if it's more cost effective to buy a car outright/using a loan vs using something like pcp or pch so that you can keep getting a new car.
If i buy a car for 8k and i have it for 10 years that's £800 per year which is a hell of a lot less than any monthly payments with pcp/pch. Would the extra service and maintenance that go with an older car make up for the difference?

Various people have said that they would never own a car again as it's not worth it financially.

Service/maintennace is part of if but the main cost in your analogy above is that under PCP  in year ten you are driving a "new" car, not a ten year old car so you are constantly paying for that privilege. As such cost effective is probably the wrong term as you are not comparing like with like.

2
General discussion / Re: Buying a new car - finance plans
« on: October 16, 2017, 11:57:18 AM »
I am considering buying a new car. Various people have said that there is no value in buying a car outright or owning a car - that it is much more cost effective to use Personal Contract Payments (PCP) allowing you the option of changing cars every few years.

Does anyone have any experience of these contracts? I always just assumed that buying a car or paying instalments towards owning a car was the only way to go but I have been told that it is more cost effective to go the PCP route. Any advice, opinions or expertise would be greatly appreciated!

First question is how many miles will you do in a year? PCP usually has pretty low mileage allowances in their headline prices. (about 10-12k normally). If you are going to do more it could change the costs significantly.

3
General discussion / Re: Premier League 2017/18
« on: October 16, 2017, 10:58:47 AM »
The range of options they have in the attacking area of the field is unreal..

DeBruyne's performance on Saturday was one of the best individual performances I have ever seen. Was it Jose who let him go from Chelsea?

That's the biggest one nil defeat you'll see all season, fair play City, the juggernaut continues

Formidable team but it's not fair play, at least not in the sense that that the FFP rules were brought in to address. It's financial doping as it's now called. City have spent multiple times their true commercial income value on whatever players they want.  Either have proper FFP rules independently assessed by a commercial revenue panel and enforce them or scrap them totally.

While I find it slightly amusing that a United fan is whinging about FFP, i do agree that something needs to be done. I would like to see something like a salary cap/draft like the NFL or AFL that benefits the worse performing teams the previous year in terms of choice of young players the following year to level the playing field. I think there have been 8 different Superbowl winners in the last ten years. Unfortunately I do not think it would be transferable to soccer because a) the big clubs have too much power and will not give up their advantage and b) the examples I gave above are single country markets predominantly (albeit massive in terms of NFL). If one country's FA decided to implement in their country to make it more competitive, it would disadvantage those teams in the Champions League which given the money involved is never going to happen.

Leaves every team hoping for a Sugar Daddy or else picking up the scraps from the Big boys table. It does make you admire Spurs consistency over the past few years as, although they are by no means short of  a pound, they cannot compete with the likes of Chelsea/Utd/City on the big money transfers.

4
Not often you hear of a road death being talked of as a murder.
It seems strange.

That's what I thought as well. Obviously more to it but such a tragic loss for the family

5
General discussion / Re: The OFFICIAL Liverpool FC thread
« on: October 13, 2017, 11:45:29 AM »
https://dugout.com/liverpoolfc/moreno-nets-a-stunning-scorpion-kick-in-training

"Stunning" might be overstating it a bit  :P . Higuita he aint.

As for tomorrow I have to say I feel really nervous about it. Mané is a massive blow and I worry about our lack of cover in front of the back four.  United have serious pace in Martial, Rashford, Lukaku and Mkitharyan and I can see them sitting back (Not to the extent that they did last year) and looking to hit us on the  break. Would prefer Robertson to Moreno and probably Firmino leading the line.

6
Sounds like a tragic case. Really strange statement by the family.

Off topic but on the same day a murder case has been launched for the young mother who was killed in a car crash in Fermanagh last week.

http://www.impartialreporter.com/news/15591784.40_year_man_arrested_as_police_launch_murder_investigation_following_death_of_Natasha_Carruthers/

Awful tragedy.

7
General discussion / Re: TV Show recommendations
« on: October 10, 2017, 11:33:30 AM »
Theresa May plagiarised the West Wing in her speech today...

Rewatched a couple of the earlier series over the summer. Awesome show even after so many years. Acting and scripting was top notch. Definitely in my Top 5 boxsets ever.

Basically it's great up until Rob Lowe and Sorkin left. Have watched it a good few times and the dip in quality is very noticeable.

I doubt you'll have many arguments there. Having said that without Sorkin it was still better than half the stuff that's out there today!!

Speaking of Sorkin,
I really enjoyed The Newsroom.
Its a pity they didn't make more series of it.

Have not seen The Newsroom but you reminded me of another favourite of mine of the early nineties, Drop the Dead Donkey. Brilliant show that never got the recognition it deserved. Something I would have thought could be reincarnated relatively easily as it is based on current events. The writers would have a field day with Trump!

8
Tyrone / Re: Tyrone Club Football and Hurling
« on: October 10, 2017, 10:13:15 AM »
What are peoples views on the current state of reserve football within the county?
I feel it is dying a  death with a huge number of fixtures not being fulfilled and this seems to get worse every year.
Is there any appetite for change in the way the whole thing is structured?

It is the same every year, everything ok until about June then as soon as teams go out of the Championship, unfulfilled fixtures galore. Very difficult to see a solution. It does seem to be that Reserve teams are increasing made up of  older players who have stepped down from the seniors. These guys have family/work commitments and committing to being around every Sunday in the summer on the off chance of a game is a problem from a family perspective. Especially if the game is called off on the morning of the match. 

There will usually be 3-4 younger men in every reserve  team who are pushing for a senior spot and will always be around. The balance of the team, the  "recreational" younger players who have no real ambitions of breaking into the senior team will also get pissed off with sitting in on a Saturday night and then have the match called off Sunday morning. Becomes a vicious circle then.

I know people have talked about playing the Reserves separately to seniors, maybe on a Friday night which I think they do in other counties. Might be worth a rattle to run the Reserve league off over a four month period, say on Friday nights/Saturday evenings from Apr-August with only set July holidays. Players know what they are signing up for and have all day Sunday free if they want.

Will also get rid of the  scenario where someone plays a full reserve game then comes on after 10 minutes in the senior game as a sub!

Seems as good an idea as any, but you'll end up with senior teams maybe training that same night with limited numbers which will cause trouble too. If it's anything like my own club in recent years, you'd be looking at at least half of every Tue/Fri training session what you would label 'reserve players'.

You aren't going to please everyone with regards to reserves, but get it nailed down and run off - play the games on a Friday night, weekends are free and maybe leave the reserve Championship to August which would keep numbers up at training over the summer and help people push on if they want to try and break into senior team for championship?

Yeah that is the big problem. If  a senior team trains on Friday night as well it kind off limits them to a maximum of 15 assuming everyone shows up. Less of a problem later in the year when you can could the number of reserves training on one hand which is part of the problem! ;)

9
General discussion / Re: The OFFICIAL FAI Thread.....Roll on France 2016
« on: October 10, 2017, 09:45:43 AM »
MON gets way too much criticism, Ireland have over achieved to get to a play off and based on players Wales & Serbia are ahead so its a good achievement to get this far.

Wales with far more talent would love to be waking up this morning in Ireland's position.

Agreed.

10
Tyrone / Re: Tyrone Club Football and Hurling
« on: October 10, 2017, 09:31:24 AM »
What are peoples views on the current state of reserve football within the county?
I feel it is dying a  death with a huge number of fixtures not being fulfilled and this seems to get worse every year.
Is there any appetite for change in the way the whole thing is structured?

It is the same every year, everything ok until about June then as soon as teams go out of the Championship, unfulfilled fixtures galore. Very difficult to see a solution. It does seem to be that Reserve teams are increasing made up of  older players who have stepped down from the seniors. These guys have family/work commitments and committing to being around every Sunday in the summer on the off chance of a game is a problem from a family perspective. Especially if the game is called off on the morning of the match. 

There will usually be 3-4 younger men in every reserve  team who are pushing for a senior spot and will always be around. The balance of the team, the  "recreational" younger players who have no real ambitions of breaking into the senior team will also get pissed off with sitting in on a Saturday night and then have the match called off Sunday morning. Becomes a vicious circle then.

I know people have talked about playing the Reserves separately to seniors, maybe on a Friday night which I think they do in other counties. Might be worth a rattle to run the Reserve league off over a four month period, say on Friday nights/Saturday evenings from Apr-August with only set July holidays. Players know what they are signing up for and have all day Sunday free if they want.

Will also get rid of the  scenario where someone plays a full reserve game then comes on after 10 minutes in the senior game as a sub!

11
General discussion / Re: American Sports Thread
« on: October 09, 2017, 10:38:53 PM »
Nasty looking injury for OBJ

Both him and Jj Watt could be done for season.  Broken ankle and leg respectively. 

12
Tyrone / Re: Tyrone Club Football and Hurling
« on: October 09, 2017, 03:33:08 PM »
Well done to the Tatts. A bit of me delighted for them as they hit the bar so often and for what they've been through this year.

A bit of me regretful it wasn't us in action today.

Looking forward to another battle with them in 2018.

+1. Fair play to them, some tough times for them  this year and great to see them honouring their former teammate yesterday.

What way does that leave the Div 3 playoffs? Derrytresk I imagine would fancy their chances, both of coming through from Div 3 and in the decider against the Div 2 teams?

13
General discussion / Re: More Active/Stricter Moderation - Yes/No
« on: October 06, 2017, 03:10:54 PM »
Leave things as they are.  As people have said there is an ignore button.  You know who annoys you, so don't read their posts even the are part of a long number quotes.

 There are a number of threads that descend into anarchy because of the polarised views of the main protaginists (Anything church related, US Politics etc) but you can tell from the posters on both sides that they genuinely believe what they are posting. These should be left alone and anyone who wants to contribute knows what they are getting into.

What I would like to see a tighter rein on is the obvious shitstirrers who go onto specific  threads with the sole aim of twisting and getting a rise (Soccer threads probably the best example) and the usual suspects who will take any thread and if their hobby horse topic is even remotely connected to the new topic will turn  it into a slanging match with their usual foes from the threads above and the original topic gets lost. The Vegas Shooting thread is a prime example of this.

These punters should either be warned or told to take it back to the original thread.

14
General discussion / Re: TV Show recommendations
« on: October 05, 2017, 11:31:03 AM »
Theresa May plagiarised the West Wing in her speech today...

Rewatched a couple of the earlier series over the summer. Awesome show even after so many years. Acting and scripting was top notch. Definitely in my Top 5 boxsets ever.

15
General discussion / Re: 2017 AFL Season
« on: October 03, 2017, 08:14:02 AM »
See, we all know nothing when it comes to tipping :)

Well done to Richmond, incredible pressure around the ball stopped Adelaide ever getting moving. I think the Crows got into a panic about Dusty which left free players all around him. Crows would have thought those players wouldn't have been able to step up if they could shut down the superstar but step up they did.

Now we move on to the trade period and all the gossip, rumour and enough outright lies to make the Donald envious.

Even Plan A failed miserably!

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