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Messages - qwerty123

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General discussion / Re: Poppy Watch
« on: October 31, 2020, 11:18:40 PM »
Paul O'Connell...I never thought I would see the day

General discussion / Re: Holidays
« on: July 29, 2019, 08:18:38 AM »
I'm looking for a holiday in October or perhaps November, but struggling slightly. There are plenty of travel agents with different deals but I'm wondering if I could do it myself somehow without going through them. I'm essentially looking for warm weather (mid 20s hopefully!), a beach would be nice and a place with a few things to do and see. Any advice? Thanks in advance!

General discussion / Christmas markets in Europe
« on: September 16, 2018, 10:45:39 AM »
Has anyone any experience of good Christmas markets in Europe? Thinking of going on a weekend break somewhere in Decemeber and would like to go one.

Hurling Discussion / Hurling blogs
« on: July 18, 2018, 12:13:45 PM »
Are there any decent and insightful hurling blogs out there? Would like to extend the aul' reading list!

GAA Discussion / GAA blogs
« on: July 18, 2018, 12:13:12 PM »
Are there any decent and insightful GAA blogs out there? Would like to extend the aul' reading list!

General discussion / Columnists you like to read
« on: March 21, 2018, 09:23:30 PM »
Any recommendations on any good/funny/thought provoking columnists that you like to read? It can be about any topic under the sun (just not those in The Sun).

Just looking for new reading material, it can be as funny and lighted hearted as you want or as serious  and heavy as you please! I'm happy to read anything!

Also, have you any favourite articles - would appreciate it if you shared the link here :)

General discussion / Re: Buying a new car - finance plans
« on: October 17, 2017, 01:49:34 PM »
I would never buy a new car either and my thoughts were to do something like Eamonnca1 but then I heard about these other schemes and wondered if it made more financial sense. In theory leasing a new car should greatly reduce the service bills, no MOT etc. Even less sure now!lol

General discussion / Re: Buying a new car - finance plans
« on: October 16, 2017, 05:30:48 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.

General discussion / Re: Buying a new car - finance plans
« on: October 16, 2017, 01:38:42 PM »
I have a car to trade in at the minute but my understanding was that at the end of the pcp you give back the car and can begin another contract with a new car.

General discussion / Re: Buying a new car - finance plans
« on: October 16, 2017, 12:16:29 PM »
I've heard the payments are lower than Hire Purchase. Then you get the chance to get a new car again when the contract is up.

In the long run which would be cheaper? Owning a car means you won't be making repayments but you would think that owning a new car would mean that the associated service and maintenance costs would be much lower.

Thats my understanding of it anyhow!

General discussion / Buying a new car - finance plans
« on: October 16, 2017, 11:47:24 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!

General discussion / Re: First time buyers advice
« on: June 09, 2017, 09:15:37 AM »
qwerty, can you kick decent ball at all?

If so, Aghagallon's your spot.  30 quid a year club membership too.
Haha! I wish I could but unfortunately not! I'm nearly as bad at house hunting!!!

General discussion / Re: First time buyers advice
« on: June 08, 2017, 12:21:03 PM »
I had just searched for Newtownabbey on propertypal and like someone said they looked lovely and unbelievable prices, but with a quick search on googlemaps you could see flegs. It may mean the increase of 20K to the house but it's worth it in the long run and these houses I assume are more likely to keep their value that bit better.

It's a hard one to decide to buy something cheaper or buy a house that would be an extra 40/50K but that I would be happy with for years.

General discussion / Re: First time buyers advice
« on: June 08, 2017, 08:38:48 AM »
I've mostly read bad opinions on places like Newtownabbey and Carrickfergus and while some of the houses there I do like it would put me off buying if they were held in bad regard. I presume these are places to avoid or have you other thoughts?

What places are up and coming? The area I live in is nice enough but prices can be expensive enough.

It's beginning to frustrate as to what to do...stick and save a little longer or buy something although not wishing to compromise too much on location.

General discussion / First time buyers advice
« on: June 08, 2017, 12:10:02 AM »
I have been trying to save for a deposit on a house for a few years now and have got to an amount that I'd be happy enough with. I'm undefined about where I should buy though. Whether it's where i live now or somewhere closer to Belfast although i wouldn't be sure of the areas and if the properties would hold their value. Especially as property prices seem to be on the rise right now.
Anyone's thoughts on these areas? Some great houses but then the areas don't look great sometimes.

I don't know whether to go for somewhere smaller and slightly cheaper (with the thought of selling and moving if i was to build a family) or take a long term view (potential family etc) and go for a bigger and more expensive place now and buy as if this is where I'll live for 30 years.

Any advice would be great!

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