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About Mole62

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  1. Mole62

    Car Leasing

    Yes, but if we're just looking at leasing vs buying without using your own savings then it's [monthly payments + service costs - resale value]) against [monthly payments (finance + service costs) with final option to buy (based on resale value)] - it really just comes down to the specific numbers for any particular deal. If you have a car from a dealer and trade it back to them a couple of years later they want the same margin, whether it's a lease deal, finance, purchase or whatever. There's less risk and less freedom with leasing but the underlying maths is pretty much the same.
  2. Mole62

    Car Leasing

    If the car devalues for the customer, it will do the same for the finance provider so this will be built in to the monthly cost. A 2012 car is now seven years old, and I don't see them being given away very often. These schemes are not for seven years though. It's maybe not worth tying your capital up in a vehicle if you can safely earn a good rate of return on it. I'm not aware of many ways that's possible these days - "safe" investments seem to return less than inflation. It all comes down to the numbers on any individual deal, but I believe the capital being tied up will cost the finance provider more than any individual can earn from it (without adding their labour). I'm sure they work well if you want to regularly buy a new car, want to pay for full main dealer servicing and don't do many miles. As soon as the miles start to clock up it can get expensive. I was working for Ford Europe (R&D) then Ford Britain (Service) years ago when these schemes were first launched, we were told was that customer loyalty would be markedly increased by keeping them in contact with their local dealer for servicing (depends on the dealer!), also the option of a lower monthly cost (first time, with a trade-in) had to be offered to compete with other manufacturers. There didn't seem to be any notion it was any more or less profitable than just selling the cars.
  3. I can set my wifi to turn itself off every night though - and do. I don't have any choice with 24/7 5G transmissions.
  4. Often blinkered, arrogant and useless from my personal experience. Not going to air all that on a public forum though; take it as my personal opinion and nothing more.
  5. Abstracts only are on Pubmed - but the links to full text are shown. Sometimes free, sometimes not. Free full text links are here: https://www.degruyter.com/view/j/reveh.2015.30.issue-2/reveh-2015-0001/reveh-2015-0001.xml https://www.sciencedirect.com/science/article/pii/S0048969719308526?via%3Dihub plus anothor one on WiFi / EMF generally https://www.sciencedirect.com/science/article/pii/S0013935118300355?via%3Dihub
  6. Overall, this argument seems to be being presented the wrong way round. For members of the public to be subject to an additional form of EMF radiation in their own homes, 24/7, 365 days a year maybe it should be shown to be safe first? Rather than people having to prove it's dangerous? Unfortunately the financial pressures are likely to outweigh any public health considerations. The 5G frequencies proposed are higher than 3G or 4G, the energy of a wave is directly proportional to frequency (at constant amplitude), so 5G is likely to be a higher risk than 4G or 3G. If you search the peer-reviewed research it's clear that even at low levels EMF's have an effect on human cells: EMF's act on voltage-gated calcium channels, causing various effects within cells and on the immune system; also the suppression of melatonin leads to an increased risk of cancer. (Light also lowers melatonin, and if you subject people to light 24/7 their health is severely affected pretty quickly) The data put forward claiming 5G is safe doesn't even look at effects such as these, I've only seen the effects of direct ionisation / DNA damage (which is not an issue at 5G power levels) and basic thermal effects (which is also not an issue) considered. Here's a couple of links to research from the University of Washington and the University of Athens: https://www.ncbi.nlm.nih.gov/pubmed/25879308 https://www.ncbi.nlm.nih.gov/pubmed/30831365 You can easily search Pubmed for more. The effect on voltage-gated calcium channels is very real; it's used with PulsedEMF devices which can definitely speed healing of bone - I've first-hand experience of this. It works.
  7. Think you could also say that about most of the other professions - medics and accountants spring to mind. I've never been to court with a tenant; the one time it was heading that way she declared herself bankrupt. Other tenants just disappeared. Whenever I've been to arbitration or tribunals (as a tenant as well as a landlord), specific contract terms haven't come into it.
  8. I've cycled up Lezayre Road both ways enough times to know the cycle lane is a joke - it would force cars over towards cyclists riding out of town if most drivers didn't sensibly ignore the cycle lane when empty.
  9. The tenants have moved in now; I did read through those Acts - which are surprisingly brief compared to a lot of UK Acts - and drafted an agreement. If / when it's tested in Court I'll know how good it is.
  10. I'm obviously an insecure wet blanket - clearly you are able to tell that from my posts with your superpowers. I bow to your wisdom O Great One (even though I can't actually see the point of your post at all. I don't have many posts because I don't generally post anywhere unless it adds something positive to a thread.)* *I made an exception this time.
  11. Perhaps I'm not really trying to counter your post just for the sake of it? Maybe the issue isn't housing affordability as such, but more about low pay for most people under 30? When my niece was working an apprenticeship, on day release it cost her more to park her car than she earned in that day.
  12. .....also every house I've ever let out is one I've lived in myself first. I'm just not very good at selling them.
  13. Good to see you're not making a load of random assumptions there. My tenants are renting short term until they find a suitable house to buy, they're quite capable of getting a mortgage. The house I'm letting was sat on the market for the best part of a year and Manx people with mortgage offers backed out of buying it. The property is hardly sub-standard. Yes, there's issues with housing affordability, but there's also issues with any Government spending taxpayers money on "help to buy" type schemes - as these tend to push house prices up for first time buyers more than anything. I didn't have any help in buying my first house, I saved up a deposit and bought it (by renting cheap shitty accommodation that is far worse than anything I've ever let out) when mortgage interest rates were over 10%. If you think landlords are bad, you should see what some tenants are like - I wouldn't have believed it until I unfortunately saw it with my own eyes. Most tenants are fine though tbh. Have a nice day :-)
  14. Cheers; I'll amend one of my UK ones and run with that
  15. I'm letting out my first Manx property (have let property out in Australia and the UK for a while), and searching old threads on these forums it's always stated that UK agreements aren't compliant with Manx Law. Nobody seems to say why though..... also there's no real guidance or sample contracts I can find onlione? Despite the details on gov.im, the landlord and tenant (private housing) bill 2014 never seems to have happened, so the newest legislation I can find is the 1954 Act http://www.legislation.gov.im/cms/images/LEGISLATION/PRINCIPAL/1954/1954-0003/ConveyancingLeasesandTenanciesAct1954_1.pdf Surely there's more than this? It seems to be very brief, I'm probably missing something but from that I can't see why an amended UK contract wouldn't be valid. I have messaged an advocate about a Manx contract but no reply yet; I don't mind paying a fair price for one as it's not really worth my time digging into this...... but my experiences in Aus and the UK meant I had to examine the details in the end anyway - when things got a bit confrontational it became clear the Agents didn't really know the details (and had left me exposed with their sloppiness).
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