Irish Taxi Forum

Public Area => Taxi Talk => Topic started by: john m on December 21, 2017, 11:08:00 am

Title: financing a new motor
Post by: john m on December 21, 2017, 11:08:00 am
Donny T has got his tax bill past congress and one interesting bit of it is repatriation of funds back to the USA .He has offered  A once off deal with huge reduction in tax liabilities for American companies to bring home over 4 trillion dollars that they have sitting in foreign banks .If they take this opportunity they will save billions and then can pay out huge dividends to shareholders or invest in the USA.The problem for us is a lot of that money is in european and irish banks and makes up their tier 1 capital if it is removed then interest rates for all loans will sky rocket so banks can replenish their capital requirements .IF anybody is offering 0%on new car loans it might be time to consider it if you dont have savings to replace your motor .Ordinary bank loans will probably go up to more than 15% so a new car  @ 0 might turn out as cheap as a good used one you need to borrow from the bank to finance @15%
Title: Re: financing a new motor
Post by: The Liffey Lip on December 21, 2017, 11:10:50 am
Alexi Sayle....Hello John.............
Title: Re: financing a new motor
Post by: john m on December 21, 2017, 11:31:24 am
Donny T just pulled off a great coup if all the Dollars flow back to the USA he will undermine most other world currencies .Watch when the ECB cop on Dragi said the ECB will hold interest rates for the foreseeable future that idea will be kicked out the door as banks struggle to get savers to fill the void left by all the Yankee Dollars going home .Watch as all the tracker mortgage holders get toasted as European Inter bank  rates shoot up from .25 to 3 or 4 % .Variable mortgages will also shoot up .I think Scoda were offering 0% might be something to consider but I cant see the offer lasting more than 6 months before reality bites .Trump has a pain in his Mickey with free American Dollars as most banks at the moment pay 0% interest on savings financing non American Companies to compete against American Companies .As he said he will MAKE AMERICA GREAT AGAIN .
Title: Re: financing a new motor
Post by: The Liffey Lip on December 21, 2017, 11:43:27 am
They were never great John. The Brits made them look great when they begged forced them to intervene in WW1 by sinking one of their ships. That said, the big industries that made them very wealthy are now obsolete...Steel, Coal etc. To be honest the Tech/Military Complex keeps them in revenue. If California sinks, so does Amerikay and her Masonic Novo Ordo Seclorum.
Title: Re: financing a new motor
Post by: john m on December 21, 2017, 11:59:02 am
lip they control most of the Tec Medicines and war machinery the 3 most lucrative industries in the world only problem is they are not job rich industries and not suitable employment for Cletus the Slack Jawed Yokel and his pot bellied squeeze Arlene who spends her day watching Judge Judy and Opra trying to understand what Language terrre allll Sayyin on the telly box .Or not suitable for gun toting drug dealing [people with black skin] from the hood .Problen for Donny T to many grazers who just chomp and shit and contribute nothing while using up scarce natural resources .Probably needs to start a war and send off a few hundred thousand wasters to be culled by rabid Asians Same on this side wont be long before Europe sends its unwashed to fight the Russians in a spot of Social Clensing  Anyhoo 0% interest on a new car might be something we wont see for long so if you need wheels do the math .
Title: Re: financing a new motor
Post by: The Liffey Lip on December 21, 2017, 12:16:22 pm
Told this before over on Roys however............sitting on the upper deck of a train 20 odd yrs ago outside Chicago heading for the East Coast and overheard this conversation, which, I might add, had me crying laughing.

2 big mammas well over 6 foot and about 25 stone apiece:

Channelle: How your Lebron doin' now, honey? He a long time outta chokey....

Destiny: Ah he okay...all he wanna do is fuck me and eat fried chicken.

Title: Re: financing a new motor
Post by: john m on December 21, 2017, 01:09:26 pm
Trumps move could knock the bollox out of a few people struggling to get back on their feet .....https://www.irishtimes.com/business/personal-finance/what-would-happen-if-interest-rates-went-up-by-3-1.3023412 (https://www.irishtimes.com/business/personal-finance/what-would-happen-if-interest-rates-went-up-by-3-1.3023412)  Remember in the 1980s when Mortgage interest rates hit 18%
Title: Re: financing a new motor
Post by: Taxi driver42 on December 21, 2017, 02:21:11 pm
Trump is no fool no matter whatvthe press says
He is good for American interests

Id say recession will hit soon as the dollars flow back and facebook etc pull out
Title: Re: financing a new motor
Post by: Rat Catcher on December 21, 2017, 02:30:37 pm
How much do you reckon building the Mexican wall will cost him?
Title: Re: financing a new motor
Post by: Shallowhal on December 21, 2017, 03:45:59 pm
Alexi Sayle....Hello John.............

.....got a new motor!!
Title: Re: financing a new motor
Post by: Shallowhal on December 21, 2017, 03:47:52 pm
How much do you reckon building the Mexican wall will cost him?

A few arms and legs....but they'll be hispanic arms and legs!!
Title: Re: financing a new motor
Post by: Taxi driver42 on December 21, 2017, 04:54:12 pm
How much do you reckon building the Mexican wall will cost him?



Around a million Mexicans
Title: Re: financing a new motor
Post by: john m on December 21, 2017, 05:09:57 pm
IF the US economy booms they will need millons of refugees to work in their factories ..The wall contradicts Trumps idea of major job creation as there will be nobody to do the work .
Title: Re: financing a new motor
Post by: Dr. Martin Gooter Bling on December 21, 2017, 05:22:44 pm
When does the special prosecutor get to work on billary clinton's lies, corruption and war crimes.
The peasants were promised that as well.
Title: Re: financing a new motor
Post by: john m on December 21, 2017, 05:31:50 pm
Anyhoo back to the original post with bank interest rates likely to increase to at least 3% over the next two years dont get caught with big mortgage and car repayments .Cant see to many 0% offers lasting to long .
Title: Re: financing a new motor
Post by: mercenary for hire on December 21, 2017, 05:42:22 pm
3 or 4 % is nothing.Plenty now paying 4.5 to Bank of Ireland for mortgages.I think car finance is already up to 6 or 7% with VW bank.

Who's giving 0 % finance anyway?Bet ya they're using it to shift old diesel tech that nobody else in the world wants.They just factor the finance into the cost of the car anyway.
Title: Re: financing a new motor
Post by: john m on December 21, 2017, 06:20:31 pm
you could be right scoda 0% on some diesels .The inter bank lending rate is .25 it will reach 3% in two years so mortgage rates will go up .I remember 16%+ in the 80s
Title: Re: financing a new motor
Post by: mercenary for hire on December 21, 2017, 08:23:12 pm
If it gets that bad we will be all in Rickshaws.
Title: Re: financing a new motor
Post by: Dr. Martin Gooter Bling on December 21, 2017, 09:15:25 pm
Houses were'nt 100%+ overpriced in the 80s like they are today.
Title: Re: financing a new motor
Post by: Rat Catcher on December 21, 2017, 11:22:06 pm
Inflation was significantly higher too.
Title: Re: financing a new motor
Post by: Bob Shillin on December 22, 2017, 01:15:45 am
Anyhoo back to the original post with bank interest rates likely to increase to at least 3% over the next two years dont get caught with big mortgage and car repayments .Cant see to many 0% offers lasting to long .
Paying the full price for the car on 0% finance is the same as paying interest. Pay cash and you get the discount equal to the interest.
Title: Re: financing a new motor
Post by: Shallowhal on December 22, 2017, 01:41:53 pm
Anyhoo back to the original post with bank interest rates likely to increase to at least 3% over the next two years dont get caught with big mortgage and car repayments .Cant see to many 0% offers lasting to long .

Recently fixed our mortgage at 3.2% for five years with 6 yrs remaining on the mortgage,we're overpaying by €50(can only overpay by 10% on a fixed mortgage)...gonna start livin the dream when it's paid off!!
Title: Re: financing a new motor
Post by: Rat Catcher on December 22, 2017, 02:24:43 pm
Indeed, a ton a week, you'll be able to take a half day every other Friday!