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DJW

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Everything posted by DJW

  1. I’ve seen 35% wiped off my main stocks in pension this year. If I was looking to purchase an annuity then I would be worried , as I would have to take that hit “now”. However as I’m looking to use a flexible drawdown of pension pot over next 25 years, there is plenty of time for market to recover and make some. This explains the risk angle well.
  2. Found this guys videos very informative . Worth having a scan of his channel and watching a few that are relevant to you
  3. Main concern I would have buying a used car now, is the the amount they have risen in last 18 months. When that corrects that’s a big hit of additional depreciation.
  4. My understanding is the 25% tax free part of a private pension is there whether you decide to take as a lump sum, or as part of a regular draw down over the years. I’ve decided to go latter as unless you need the lump sum, as others state just leave it in pension to hopefully accumulate growth and drawdown when needed.
  5. Planned to retire at 55 and hammered money into pension in last 4 years including all, back allowances. Best bit of advice I was ever given was the true value of your life between 55-65 is worth 4 x that of between 65-75, taking into account health, mortality. So I did 2 things to help model retirement. :- 1) downloaded all bank statements for last year into a spreadsheet and tag group the amounts to house bills, car , etc etc. From that I established the minimum I needed to live a comfortable life with a more basic car, house and less hols, that I would be happy with. 2) created a 2nd spreadsheet that totalled up all my pensions, for wife and I , plus savings , plus equity release from downsizing. From that I modelled what I could “drawdown” from pension each year against my age, take from savings and also take into account state pension at 67 onwards. For us personally we wanted a bit more money when younger so front loaded based on following calcs - reserve 25% of all pots for contingency - between age 55-66 drawdown approx 5% of pension and savings each year - between age 67-80 drawdown approx 3% of pension and savings each year - basically aim to empty the pots by 80 enjoying life , with 25% reserve in place plus state pension. it’s a very simple model but works for us, to such an extent that whilst I’m only 53 I retired a month ago as had enough of rat race. Note this is something that works for us, but may not for others so please do your research and take professional advice if needs be. Now have dilemma of whether to proceed with June Emira and enjoy for a few months at minimal loss or possibly none, or just bail and enjoy the Plus 2. Either way enjoying life whilst you can is the most important thing. YOLO.
  6. Had one of the first Premier Edition A110 when they came out. Great to drive in the B roads, extremely rapid and gearbox was fine. Ultimately I didn’t gel with the looks so moved it on. At the time I remember saying an A110 with Lotus looks would be my ideal car. (tried to insert link to thread on this forum but it’s not working. I’ll mention OP in said thread instead. ) Re McLaren I did my research after selling my AMG GT via Alistair Bols ( probably largest indie used mclaren seller) . Great guy to deal with asked frankly if I was to buy a used 570S and keep for 12 months, what would it honestly cost to own taking into account SOR fees renew warranty etc to sale. His advice was £20k would be realistic cost . Hope that helps.
  7. Well I’ve had a GT3 and a couple of Evoras and totally different beasts. Personally I found the Evora not to be a great track car in stock trim (GT430 excluded), vs likes of an Exige V6 and way off any GT3. Preferred Evora as a road car though Of course this is all personal views and everyone has a different one, so all good in the hood 🤜🤛
  8. Too heavy for track work imho, as found the Exige much better for track work than Evora. Instead I’ll enjoy the Cotswold roads around me and a trip to the highlands 😁
  9. Congrats. Loved the handling of mine . Enjoy.
  10. Love the photos. Any chance you can share more photos from other angles on the car, as best chance for us to imagine how it will look on the Emira ?
  11. Red leather , Spider-Man style 😝
  12. Did a fly by a friend in the Evora 400 auto at full revs on the motorway and was told there was some nice blue flame from the exhaust at upshift. The 400 was actually too loud when on it. A tad quieter will be perfect 👍
  13. Hmmmm 488 is 1952mm width, the Huracan is 1933, the Emira is 1895. I suppose that extra 4-6 cm is too much for some Personally I think it has super car looks, but referred to as junior super car due to price point and performance Each to their own though, as all subjective 😄
  14. Updated with 2nd deposit paid 11 March 21 - 6970K - 27 April 21: Lotus company update and Emira name announced 27 April 21 - TomE - UK - V6 manual 28 April 21 - JamesDG - UK - V6 manual 30 April 21 - Pugwash - UK - V6 manual 4 May 21 - Philsport300 - UK - V6 manual 7 May 21 - Mark030358 - Undecided 15 May 21 - JCR - Undecided 19 May 21 - Gashead1105 - Undecided 20 May 21 - Evotion - V6 Manual 20 May 21 - Evotion - i4 22 May 21 - KennyN - V6 Manual 4 June 21 - DJW - V6 FE Auto ordered - 2nd deposit paid 5 June 21 - Worldwidewebs - 9 June 21 - Lavazza - undecided 7 June 21 - MarkWilliams1 - Undecided 23 June 21 - KJD - V6 manual 28 June 21 - DaveC72 - i4 29 June 21 - greg/valetpro - Not decided which engine yet. 6 July 21: Emira reveal at Hethel 6 July 21 - Duncs - V6, but cost dependent. 6 July 21, 22:00 - EmiraSi - 6 July 21, 08:00 - Claymore - 6 July 21, 23:09 - Abgreenbank - 7 July 21 - Lockey - i4 7 July 21 - freefall_junkie - V6 manual UK 7 July 21 - glen8 - i4 7 July 21 - Al_C - I4 7 July 21 - Neilread - I4 7 July 21 - Philnotts - V6 Manual 7 or 8 July 21 - JJ - Cost dependant 7 July 21 - marclurr - UK - V6 Manual 7 July 21 - LotusAmateur - UK - undecided 7 July 21, 15:45 -Emiralust - UK - V6 Manual 8 July 21: Goodwood Festival of Speed Day 1 (Thursday) 8 July 21, 09:39 - mctaff - UK - V6 manual 8 July 21, 16:34 - JimH - i4 8 July 21 - MJON - i4 8 July 21 - Wake - i4 (V6 cost dependant) 8 July 21 - Johnhoward - V6 Auto 8 July 21 - EmiraJam - 9 July 21: Goodwood Festival of Speed Day 2 (Friday) 9 July 21 - Beady - I4 (probably) 9 July 21, 08:00 - Beancounter - probably i4, but maybe v6 manual 9 July 21 - Speedluvver - i4 (most likely) 9 July 21 - E1M2I3R4A - V6 manual 10 July 21: Goodwood Festival of Speed Day 3 (Saturday) 10 July 21 - Washy - undecided 10 July 21 - Al - completely undecided. 11 July 21: Goodwood Festival of Speed Day 4 (Sunday) 12 July 21: post Goodwood Festival of Speed 12 July 21 - emstan - V6 12 July 21 - Denno - i4 (most likely) 15 July 21 - nohl2678 - V6 (I hope!) 16 July 21 - Frickin Idiot AMG / V6 19 July 21 - slotdawg - V6 Manual
  15. It’s a good point Graham. If the car is a weekend toy that is often kept higher in the rev range you won’t notice it. However I found as the Evora was used as a daily driver I often was in traffic at lower revs expecting to be able to use torque of engine to accelerate without changing down, as per any other 350 bhp car. It was then you experienced the transmission noise. Hopefully they’ve been able to dampen it down enough not to be a problem for majority of new owners 👍
  16. Which unfortunately was exactly the problem I had with my Evora, so although it may be improved, the fact they mention it shows it’s still a problem As I know this problem doesn’t exist with the auto and I enjoyed the auto on the 400, for me I’ll go that route thanks for update btw.
  17. My Evora 400 was asbo loud with stock exhaust when “open” and not a chance on track unless short shifting past sound meters. Had same exhaust on my Exige 380 and got black flagged at Donny.
  18. Had same problem with my S1 and was still there in 400 I test drove, so I went auto with the 400. Raised a question with Rybrook to ask Lotus if they had resolved for the Emira. Chased after a couple of weeks and was told Lotus were aware of the historic problem but couldn’t confirm if resolved. Thus I’m going Auto again with the Emira as based on years of Lotus ownership I’m not that confident they will sort it fully. Plus I like the auto box anyway, and can sound like a heel and toe god on down changes 😆
  19. Was at Solihull yesterday around 13:15 so sure I met some of you on here. Car is stunning but as others have stated the colour samples are quite a way off configurator for green, red and nimbus so you need to see them in the flesh to finalise spec. I took some photos with piece of white and grey car in shot to help white balance. Don’t have space on my account to share here , so have posted elsewhere where I see a lot of similar usernames.
  20. Needed to change my viewing slot at dealers due to work conflict. Called dealer and was told unfortunately it had to be re arranged by lotus centrally. So called Lotus to then be told no, it’s the dealer. Informed them I had been told the opposite , so they kindly said they would call dealer and sort it and then phone me back. Guess what, 2 days later and no calls. To then top it all, a day later I get a reminder email from Lotus regards my original booking, with instructions at end of email if I need to re schedule I should contact Lotus direct. Someone needs a damn kick up the arse at Lotus, they create so much confusion. I give up lol.
  21. Had one. Nothing like a lotus . Very agricultural.
  22. My Alpine A110 was same. Very compliant suspension and was staggered how quickly it could cover bumpy country roads, to an extent I know an Exige wouldn’t stand a chance ( would be airborne lol) and an Evora would be tested.
  23. Unfortunately across all new cars, not just Lotus 😒
  24. Yep, had a quick play with Cayman GTS config and was up around £8k of options to get similar without taking into account the wheels on Emira FE may be more expensive than options on Cayman
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