s4_sat Posted February 9, 2006 Report Share Posted February 9, 2006 go for a b5 rs4, it'll give you some fun until you go for a b7 rs4 when its been about for a bit. i'm waiting until i'm 24-25ish before i get a b5 or b6 s4 or c5 s6. i'm still havin fun looning around in my a2 and a4 the a2 is the only one that i'm still paying for. the a4 is paid up and so is my bro's a8. he's looking to get an a6 allroad or avant tdi. that'll be an outright purchase too. Link to comment Share on other sites More sharing options...
Mollox Posted February 9, 2006 Report Share Posted February 9, 2006 Out of curiosity, what would the typical payment 'numbers' be on a new RS4? Link to comment Share on other sites More sharing options...
akira Posted February 9, 2006 Report Share Posted February 9, 2006 Suppose that depends on how much you actually want to Finance, my payments will be £0 but im sure someone elses maybe close to £1000/month. All depends Link to comment Share on other sites More sharing options...
Mollox Posted February 9, 2006 Report Share Posted February 9, 2006 Lets say £10k deposit which is a serious wodge to have 3 or 4 years out of uni, for example. Link to comment Share on other sites More sharing options...
DHA Posted February 9, 2006 Report Share Posted February 9, 2006 With audi finance I would say £1100. However to play devil's advocate here....if Riz wants to go for the RS4 and live at home then do it. I am in a fortunate position to be able to afford the car and the house. However if I was only able to afford one, was a single guy, wanted to look successful then I might go the way Riz is. You are only young once....... Link to comment Share on other sites More sharing options...
Mollox Posted February 9, 2006 Report Share Posted February 9, 2006 But you can be wrong many, many times! Link to comment Share on other sites More sharing options...
DHA Posted February 9, 2006 Report Share Posted February 9, 2006 Me personally? Link to comment Share on other sites More sharing options...
Mollox Posted February 9, 2006 Report Share Posted February 9, 2006 No, not you - I meant you're only young once but you can be wrong many many times. Age teaches you these things, apparently Link to comment Share on other sites More sharing options...
DHA Posted February 9, 2006 Report Share Posted February 9, 2006 Ahh see what you mean and yes it does teach you things........ Link to comment Share on other sites More sharing options...
fjfr Posted February 9, 2006 Report Share Posted February 9, 2006 House. The RS4 will make you smile, and give you some great times, for about a week. Until you start realising how much it costs in petrol, how much are those tyres?! Oh, poo, I havn't got any money in my account because the insurance came out this month. I think you'll hate the beast after a few months. From a fellow young Tyresmoker - Don't do it. You're personal freedom & space that the flat gives you is sooo much more important. If you need to, get an M3 or the R32 - just don't sell your biggest asset. If you don't like work, spend time looking for a new job. If you want to meet a lady, spend time going out. The RS4 will be false happiness for a month or two, till the bills hit, and you hate her. Link to comment Share on other sites More sharing options...
Calm Chris Posted February 9, 2006 Report Share Posted February 9, 2006 Riz Do what you want mate, from memory the money will have come from turning the flat over in just under 2 years . If you see the profit as just fun, then have fun spending it. Personally I think 3 months in Thailand sitting on a beach would be a better cure for the "life is boring" worm that seems to be turning inside you. Just consider that £50k is a great start towards a solid, stable living environment that allows for you to be fully independent. I remember the absolute emotional pain that you went through when you last lived with your mum due to her ill health. At the time you mentioned that her illness was long term . If you chose to go back home you will:- * Put yourself back a few years on the cost of home ownership * Put yourself back 5 years against paying a mortgage off and being debt clear * Lose your freely independent lifestyle that you struggled to achieve * Run the risk of emotional issues with your mum health * Reduce your chances of bachelor living, open play fun with girlies The car is great, but is the greatness enough to offset the loss of what you currently have? And please don't get antsy, no one here means to cause upset and you have invited us all to post our feelings, no one can tell you what to do. It's just friendly advice. Link to comment Share on other sites More sharing options...
Chris_B Posted February 9, 2006 Report Share Posted February 9, 2006 [ QUOTE ] However to play devil's advocate here....if Riz wants to go for the RS4 and live at home then do it. I am in a fortunate position to be able to afford the car and the house. However if I was only able to afford one, was a single guy, wanted to look successful then I might go the way Riz is. You are only young once....... [/ QUOTE ] Exactly, if I was young and single, I might be tempted to do just the same. As it is, by 25 I had a mortgage, a wife and a step-son to consider, so my investment stayed in property. As it is, I can now have decent cars and a decent house, but I still get comments from people (even ones down my street) that there must be someting odd about me if I live where I do "with cars like those". What those people don't appreciate is that there are considerations other than loading myself with the largest mortgage I can get to try to make as much money on my house as possible - things like it being near the school my step-son loves going to and does well in, being within walking distance, but out of sight and earshot of local shops, being a quiet cul-de-sac, being big enough for my needs, but not being saddled with a mortgage that leaves me no disposable income to enjoy life. Why should I cling to the highest rung of the property ladder that I can reach just because it's the expected thing? I've got my investment in my company, my talents and my experience and it's those things I look to make money on, not the house I live in. I'm in agreement with Robert Kiyosaki (of Rich Dad, Poor Dad infamy) in that your home is not an investment while you live in it because you have to keep paying cashflow out on it all the time. It's only an investment at the point you sell it and release the positive equity. It's Riz's choice how he uses that profit. Link to comment Share on other sites More sharing options...
Chris_B Posted February 9, 2006 Report Share Posted February 9, 2006 Oh, and Riz originally asked for a colour choice, not financial and lifestyle advice. The latter was offered, not requested. Link to comment Share on other sites More sharing options...
Pidge Posted February 9, 2006 Report Share Posted February 9, 2006 misano every time Link to comment Share on other sites More sharing options...
sitas3 Posted February 9, 2006 Report Share Posted February 9, 2006 feck this thread is amusing at times! Riz, that's some serious crack you're smoking there man! Link to comment Share on other sites More sharing options...
Mollox Posted February 9, 2006 Report Share Posted February 9, 2006 For the record, although it pains me to admit it, my head actually regrets buying the S3 when I was 22 rather than investing it in property. Had I done so, I would have benefitted from all the house price inflation in the last 5 years (I use the term 'benefitted' loosely there, that's another Mac/Ari argument! ) Link to comment Share on other sites More sharing options...
Mollox Posted February 9, 2006 Report Share Posted February 9, 2006 I do see Chris_B's point of view, and I'm very much a supporter of fecking the norm and doing what the heart says but in this case, especially in today's world where pensions are worth feck all and getting onto the housing ladder is such a pain in your 20s I have to disagree. A house might only be a true investment when you finally cash out, but a car, especially a new, high value niche car such as the RS4, is a liability from day one and you could easily spend as much running it as you would a flat. Its that damn depreciation again... Link to comment Share on other sites More sharing options...
emm3 Posted February 9, 2006 Report Share Posted February 9, 2006 Riz, Whatever you decide to do, enjoy yourself, you're only on this earth once so make the best of it. I reached the grand old age of 40, eight years ago and had mid life crisis every six months and changed cars like people change underpants but now perhaps I've come out of the other end, sold my RS6 and bought something reasonably sensible so I can go out and do the things I denied myself during these last few years. Good luck fella Link to comment Share on other sites More sharing options...
Chrisg Posted February 9, 2006 Report Share Posted February 9, 2006 [ QUOTE ] [ QUOTE ] As it is, I can now have decent cars and a decent house, but I still get comments from people (even ones down my street) that there must be someting odd about me if I live where I do "with cars like those". What those people don't appreciate is that there are considerations other than loading myself with the largest mortgage I can get to try to make as much money on my house as possible - things like it being near the school my step-son loves going to and does well in, being within walking distance, but out of sight and earshot of local shops, being a quiet cul-de-sac, being big enough for my needs, but not being saddled with a mortgage that leaves me no disposable income to enjoy life. Why should I cling to the highest rung of the property ladder that I can reach just because it's the expected thing? I've got my investment in my company, my talents and my experience and it's those things I look to make money on, not the house I live in. I'm in agreement with Robert Kiyosaki (of Rich Dad, Poor Dad infamy) in that your home is not an investment while you live in it because you have to keep paying cashflow out on it all the time. It's only an investment at the point you sell it and release the positive equity. It's Riz's choice how he uses that profit. [/ QUOTE ] ditto with the property aspects, and unless you are departing this world you'll still need somewhere else to live so only rarely are you ahead. We have disposable income instead , and we'll review the situation upon retirement. Riz, I sincereley hope you enjoy your car, If you are in the area please give me a ride in it......... and it had better be Misano ! Link to comment Share on other sites More sharing options...
Dave Posted February 9, 2006 Report Share Posted February 9, 2006 I acn see both sides, and it comes down to what you want and expect from life. I got married at 23, bought my first house, first car, business etc all before i was 25.. a very expensive time. I worked 7 days a weeks to begin with, cut that down to 6 and then 5, but they were long days too..but i have always planned to work hard in my early days so that i can enjoy my later days... I'd like to be retired by 50. some say this is silly because you could get run over by a bus, but you also have to be realisitc. I've put the hard graft in, made myself and my family secure and now have a few quid to play with.. doesn't mean i want to sell it all and buy a bugatti I suppose the other way is too enjoy the moment.. live for now, but that would worry me personally. I suppose if i was single and had no commitments then it would be ok, but when you have a wife and kids your responsibilites change and their security comes first. Link to comment Share on other sites More sharing options...
sitas3 Posted February 9, 2006 Report Share Posted February 9, 2006 [ QUOTE ] For the record, although it pains me to admit it, my head actually regrets buying the S3 when I was 22 rather than investing it in property. Had I done so, I would have benefitted from all the house price inflation in the last 5 years (I use the term 'benefitted' loosely there, that's another Mac/Ari argument! ) [/ QUOTE ] we've all been there - I always wished I'd have bought a house after graduating when I had the chance instead of at the time thinking I couldn't afford one, boozing/ away instead of which I end up with a bigger mortgage 12 years later! I have always wanted a 911 turbo since seeing one in the late 70's - and yes I could get a 996TT for circa £50k by freeing up some capital from the house but why the feck am I going to risk something I've worked hard for? I suppose its all relative - You do things like what Riz is proposing when you're 18 - not 25 surely? Link to comment Share on other sites More sharing options...
Mollox Posted February 9, 2006 Report Share Posted February 9, 2006 Why did cost you money? Link to comment Share on other sites More sharing options...
sitas3 Posted February 9, 2006 Report Share Posted February 9, 2006 [ QUOTE ] Why did cost you money? [/ QUOTE ] not in the way you think matey Jim although we always 'Pay' for it in someway or another! Link to comment Share on other sites More sharing options...
Mollox Posted February 9, 2006 Report Share Posted February 9, 2006 You're right, how long did you say you had crabs for? Riz - I know you were only asking about colours and got all sorts of life advice. Don't take it to heart, and at the end of the day, of course its your decision - but look at it like this: you've had a lot of very good and free advice on this thread and people are giving it out of sincerity Link to comment Share on other sites More sharing options...
Scotty Posted February 9, 2006 Report Share Posted February 9, 2006 There is something quite amusing about this thread. We're all petrol heads (otherwise we wouldn't be here) and we're all saying don't but the RS4. Riz - as has been posted - no one can tell you what to do. They are simply all personal opinions. It's 100% your choice what to do. Link to comment Share on other sites More sharing options...
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