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Dan E

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Posts posted by Dan E

  1. 15 hours ago, Kimbers said:

    Mortgage of £170k which, because of our age we could only get over 12 years. Sky TV, Prime, Netflix, Disney+, Household and business insurance (for Art and my little sideline), 4 cars, New Kitchen & tiled floor. Expensive Pensions worth Shit all, (They're £700 a month between us). Daughters Rent (3 bed house) Food for 6 (sometimes 7 if the other daughter is skint), Far too much alcohol and not the cheap stuff, Holidays, Pets I could go on and on.

    I know some of those are avoidable and many will have to go very shortly as my job, due to car supply (or Lack of) is paying £50k a year less since June than in the last 10 years. Plus Wendys wage won't exist as shes taking early retirement next year at 55.

    @Kimbers have you taken some financial advice? We did  and the first bit of advice we got is why are you paying your mortgage off!! . Let me explain, due to inheritance tax it turned out it is better for us to service the debt than pay it off, so we have gone interest only saving about £1800 a month. Our LTV is at 87% though and I have no idea about house values where you are. As the advisor said, "you are a long time dead" it has made a massive difference especially if you look at the £1800 as if it was a taxable income 

  2. Thereafter I will be highly resistant to anything that gets in the way of my drinking activities.


    This a sad day, I assume the other Margate Exotics will be taking up where you left off, I never really understood how that part of the franchise stood on its own two feet as it only ever seemed to work on one car!!

  3. 6 hours ago, Bibs said:

    I've got some new Corsair Vengance RAM which was installed into my office PC recently. I was working on some video and read that changing it to XMP mode in the BIOS would speed it up considerably and was under the impression this would be an easy win. 

    Yesterday, I changed the BIOS and the PC wouldn't even boot into the BIOS flash screen. Having looked at way's around this, I removed the CMOS battery and reset the BIOS but now it won't boot into Windows, it says that the drive isn't recognised as a boot drive. 

    The BIOS can see all 3 drives, I've run some partition software which found a lost boot partition and reassigned that but still no luck. I can't reinstall W11 from installation media onto any disk, it gets far enough to reboot and then trips over. The main drive is a Samsung 1TB SSD which is only a few months old so I'd be surprised if it's failed already. 

    Any ideas?

    Have you checked the glovebox?? 

    • Haha 1
  4. 1 hour ago, Kimbers said:

    Electric heating in 2 outside offices, Dishwasher is used once a day, Both my boys work in very hot enviroments so washing machine is used at least once a day. No gas here so Oven is Electric, Heating is turned off so hot water is on emersion electric as well. 2 fridges, Xbox, 2 computers, Aircon every night in our room, Fans in the boys rooms, Kettle must get boiled 7-8 times a day minimum. Main TV, Sky, Tropical Fish tank....... Plug in car normally plugged in for full charge in 6 hours a day....forgot about that one.

    Think the hottub and Aircon plus kettle will be highest use?


    If you got a 7kw car charger that isn't going to help but should cut out when charged up so shouldnt be an issue, we charge ours about once a fortnight but then it doesn't go very far.

    The simple rule mate is if it has got a heating element its £££££ if its got a Motor ££ if it has got both end up killing all the Polar Bears, no pressure 😃 Totally agree with what @Bibs said, last time i looked they we not taking on anymore customers but I am definitely going to have another look at that. 

    Top tip turn the hot tub off for a Month or get a smart meter and see what that says, for the record I don't have a smart meter because they can't get a signal on any network where my meter is which is all of 15miles from central london!! go figure. 

  5. 1 hour ago, Kimbers said:

    2 Young adult lads who play computers 24/7, both Wendy and I work from home most of the time, so that's 2 more computers. Hottub, Aircon.......... need I say more?

    Computers cost absolutely nothing to run all that lot flat out wont be more than £15 a month, the aircon and hot tub however. Your bill is ridiculous, do you have electric heating or something, mind you you wont be using that at the moment . 3kw of A/c is going to cost you say 15p an hour so 24hrs solid is just over a oner a month. Something is wrong there my friend obvs all IMHO

    • Like 2
  6. 1 hour ago, Bazza 907 said:

    "Don't sell it" - well you were at least expecting that..

    Seriously, it is a fabulous car and I'm sure it will make the next owner very happy.

    its like handing one of your children over, but decision has been made

    1 hour ago, Sparky said:

    Tomorrow's fee has just doubled.

    as you are being paid in sustenance I hope you fall over at some point 

    • Haha 1

    Brilliant, made me chuckle 😂

    The thing is I can hear them bloody fox things, my neighbour has one and it is hideous as I walk past, so at least its not a waste of money because if I am ever in Hampshire with a shovel & have a weird, must dig a hole moment, I will pick someone else's garden!! 

    I can deal with the holes its the fact they shit everywhere that does my head in! To be fair our Maine Coon chases them off if you let him out 

  8. that is exactly what i heard, also I sometimes take his car if it is the easiest to get out in the morning (also because it is actually a right laugh to drive) so what happens then? What happened to the days of Swinton Insurance ring them up for your MK2 escort £300 smash it up next £350!! 

    I think he is going to have to take this one on the chin to be honest.

  9. All,

    my son has his test in a month or so i thought I would have a look around last night about getting him some insurance should he pass. The car is a low insurance group Fiesta ST Line, the quotes are big money but obvs i understand the risk.

    I am really against him getting a black box as i know a few people who have had them and broken a few silly rules and their insurance went through the roof, one even had his insurance revoked!! Being realistic being 17 you're never going to stick to the speed limit 100% of the time but I have also warned him that he really needs to not get caught speeding (like his Dad does not @Bibs) and definitely doesn't want to hit anything, btw he is paying for the insurance not me, mainly because i bought the car and he needs to feel the joys of motoring.  I am also not putting him mine or the missus insurance as he needs to build some NCD and I have 32 years no claims 😁 I have however put us both as named drivers 

    So anyone had any luck with this, any suggestions or is a case he is going to have to suck this up and not hit anything 

    thanks in advance


    Dan E 

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