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andydclements last won the day on December 22 2013
andydclements had the most liked content!
About andydclements
- Birthday 16/03/1971
More Info
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Name
Andy Clements
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Car
Turbo Esprit, Excel-x3, Europa Special
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Location
Norwich
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andydclements's Achievements
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Which sports exhaust for GT3
andydclements replied to shaunw's topic in Induction/Turbo/Chargecooler/Manifold/Exhaust
Word of warning @shaunw . I have a Larini on mine with standard manifold (2.2l not GT3), I've been told by a GT3 owner that mine drowns his out even when he's driving along at the same speed as me, and he has a relatively free-flowing non-standard system. That's not to say that I'd have it any other way, just that it may not be as quiet (relatively) as you expect. -
Wordle 334 5/6 ⬜⬜⬜🟨⬜ ⬜⬜⬜⬜🟨 🟨⬜⬜⬜🟩 ⬜🟩🟩🟨🟩 🟩🟩🟩🟩🟩 I guessed this 5-letter word in 5/6 tries. ⬛⬛🟨🟨🟨 🟨🟩⬛🟨🟨 🟨🟩⬛🟩⬛ ⬛⬛🟨🟩🟨 🟩🟩🟩🟩🟩 Can you guess this word? https://wordlegame.org/uk?challenge=Y2FtZWw
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At the moment it seems unclear what his statement was, in terms of was it his personal view and so political/career suicide (and possibly actual suicide) by varying from the kremlin policy line, or was it a well-planned Kremlin move to start to alter the narrative and so soften the ground for some less-positive news. Either way, it was a bit of a shock.
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Wordle 333 4/6 ⬜🟨⬜⬜⬜ ⬜🟨🟨⬜⬜ ⬜⬜⬜⬜🟨 🟩🟩🟩🟩🟩 I guessed this 5-letter word in 4/6 tries. ⬛🟨🟨⬛⬛ ⬛🟩⬛⬛⬛ ⬛⬛🟨🟩⬛ 🟩🟩🟩🟩🟩 Can you guess this word? https://wordlegame.org/uk?challenge=Zm9ydGU
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I recall having a boost leak, turned out to be one of the silicone hoses having slipped slightly (less grippy that original rubber ones), but the problem was a PITA to find as you cannot easily replicate it whilst looking at the engine. perhaps time to dust with a tiny amount of talc (using a brush not throwing copious amounts about) and having driven, look for where the talc has been blown away.
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Wordle 332 4/6 ⬜⬜🟨⬜⬜ ⬜⬜⬜🟩🟩 ⬜🟨⬜⬜⬜ 🟩🟩🟩🟩🟩 I guessed this 5-letter word in 4/6 tries. ⬛🟩🟨⬛⬛ ⬛⬛⬛⬛🟨 ⬛🟨🟨⬛⬛ 🟩🟩🟩🟩🟩 Can you guess this word? https://wordlegame.org/uk?challenge=Z3JpZWY
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Wordle 331 4/6 🟩⬜🟨⬜⬜ ⬜⬜⬜⬜⬜ 🟨⬜⬜⬜⬜ 🟩🟩🟩🟩🟩 I guessed this 5-letter word in 5/6 tries. ⬛⬛🟨🟨⬛ 🟨⬛⬛⬛⬛ ⬛⬛⬛⬛⬛ ⬛🟨🟨⬛🟨 🟩🟩🟩🟩🟩 Can you guess this word? https://wordlegame.org/uk?challenge=cGF5ZWU
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Now the worry is that Putin hits back with an "If I can't have it, nobody can" tactic.
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Wordle 330 3/6 🟨⬜🟩⬜⬜ 🟩⬜⬜⬜⬜ 🟩🟩🟩🟩🟩 I guessed this 5-letter word in 5/6 tries. ⬛🟩⬛⬛⬛ ⬛🟨⬛⬛⬛ ⬛⬛⬛⬛⬛ ⬛🟩🟩🟨⬛ 🟩🟩🟩🟩🟩 Can you guess this word? https://wordlegame.org/uk?challenge=Y3Jvb2s
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Wordle 329 3/6 ⬜⬜🟨🟩🟨 ⬜⬜⬜⬜⬜ 🟩🟩🟩🟩🟩 I guessed this 5-letter word in 5/6 tries. 🟨🟨⬛⬛⬛ ⬛🟨⬛⬛⬛ 🟨🟨🟨⬛⬛ ⬛⬛⬛⬛🟨 🟩🟩🟩🟩🟩 Can you guess this word? https://wordlegame.org/uk?challenge=Y2hvcmQ
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Wordle 328 5/6 ⬜⬜⬜⬜⬜ 🟨⬜⬜⬜⬜ ⬜🟩⬜🟨🟨 ⬜🟩🟨🟩🟩 🟩🟩🟩🟩🟩 I guessed this 5-letter word in 4/6 tries. 🟨⬛⬛🟨⬛ ⬛⬛🟨⬛⬛ ⬛🟨⬛🟨⬛ 🟩🟩🟩🟩🟩 Can you guess this word? https://wordlegame.org/uk?challenge=YXVkaXQ
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Myself & a colleague had to do an online assessment of whether we needed to go on one of those. He drives rather steadily in his Ford Fiesta (think 1l), me in the Turbo Esprit driving slightly differently. he had to do the day course, I didn't.
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Wordle 327 4/6 ⬜⬜⬜⬜⬜ ⬜⬜🟩🟩🟩 🟨⬜⬜⬜🟨 🟩🟩🟩🟩🟩 I guessed this 5-letter word in 3/6 tries. ⬛⬛⬛🟨⬛ 🟨🟨⬛🟩🟨 🟩🟩🟩🟩🟩 Can you guess this word? https://wordlegame.org/uk?challenge=YWdvbnk
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What Credit Score Do I Need To Lease A Car?
andydclements replied to mateo95's topic in General Chat
There's no real direct answer to this @mateo95 for a few reasons, but it's a common misconception that's (I think) reinforced by the adverts/ info the credit bureaus put out about "see your score" etc. It makes people believe there is just one score for each person. Each lease company will use their own scorecard (assign different points than another company for the same situation), so each company may rate your circumstances higher or lower as a proportion of their theoretical maximum, because they will assign different weight to different things. For example one firm may block any person who has missed 3+ payments, but another firm may simply knock the score down but still consider the applicant. This depends on the business model & credit risk appetite. Each lease company may have different theoretical highest possible scores. Each lease company may use different data sources (there is more than one credit bureau and not all credit history goes to all credit bureaus). You will be unable to see their confidential data on modelling of the credit risk they are prepared to take, so you'll not be able to compare companies. Some lease companies may take on customers who have worse credit history if there's a bigger deposit, than if the same person was going for a lower deposit option. The way you would see your score, is via the credit bureau's services, these vary just as the lease companies, so one bureau may assign a person one arbitrary figure, but another bureau may assign a very different figure. Think of it as giving a score out of 5 starts vs giving a score out of 10 stars, unless you know how many stars it is out of, the figure is meaningless. The lenders. lease companies don't use bureau scores as such, they use bureau data to give them the ability to calculate a score. The bureaus use the data available to them, but as mentioned above, they may not have a full picture. Generally, lenders etc have to report to the bureau payment history etc for things where that bureau provided the data to assess whether to lend, so if the lender didn't ask Bureau "x" then if a person defaults, the lender may not report the default to bureau "x" but may report it to bureau "y".