Guess the new car (and choose my alloys)

[mik]

@scotta ah. Whoops.

[Ascender]

Black metallic, black extended leather with crayon stitching and seatbelts. Privacy glass, panoramic roof, grey 20” wheels (standard on the T, as is PASM),

I had to have a quick look at the configurator - I know you probably have no personal interest, but upgrading to the 21" RS Spyder Design wheels for "only" £639 seems unusually cheap for Porsche

There's a lot of alloy options, quite impressed tbh. The different colours in particular really change the look of the car and the prices don't seem too bad either.

[IanF]

Yeah Macans are good looking cars.. but then I like the Cayenne coupe as well!

[Jobbo]

Black metallic, black extended leather with crayon stitching and seatbelts. Privacy glass, panoramic roof, grey 20” wheels (standard on the T, as is PASM),

I had to have a quick look at the configurator - I know you probably have no personal interest, but upgrading to the 21" RS Spyder Design wheels for "only" £639 seems unusually cheap for Porsche

There's a lot of alloy options, quite impressed tbh. The different colours in particular really change the look of the car and the prices don't seem too bad either.

I currently have about a dozen tabs open with different specs, mostly to see which alloys work best with black paint. If it wasn't so madly expensive to get the same wheels in different colours, I'd have the 20" Macan S wheels in Vesuvius Grey. The wheels which come on the T are those alloys but in a darker grey ("dark titanium") and it's £921 to swap the darker grey to the very slightly lighter Vesuvius. 50% more than adding the 21" RS Spyders

[Jimmy Choo]

My reasoning is that it should be slow at depreciating, and while the prices of most cars have gone up a lot the Macan RRP has stayed fairly consistent - particularly bearing in mind that it has more kit as standard than it did a few years ago. So it's not a totally mad thing to spend money on.

I can hear how hard you're mashing the buttons on the Timculator from here.

[Jobbo]

My reasoning is that it should be slow at depreciating, and while the prices of most cars have gone up a lot the Macan RRP has stayed fairly consistent - particularly bearing in mind that it has more kit as standard than it did a few years ago. So it's not a totally mad thing to spend money on.

I can hear how hard you're mashing the buttons on the Timculator from here.

Well, I decided that moving house isn't happening so can be a bit more spendthrift on other stuff. Timculator again

[scotta]

My reasoning is that it should be slow at depreciating, and while the prices of most cars have gone up a lot the Macan RRP has stayed fairly consistent - particularly bearing in mind that it has more kit as standard than it did a few years ago. So it's not a totally mad thing to spend money on.

I can hear how hard you're mashing the buttons on the Timculator from here.

Well, I decided that moving house isn't happening so can be a bit more spendthrift on other stuff. Timculator again

Did you not just move house?

[Jobbo]

I can hear how hard you're mashing the buttons on the Timculator from here.

Well, I decided that moving house isn't happening so can be a bit more spendthrift on other stuff. Timculator again

Did you not just move house?

Yeah, about 6 years ago Seems recently still.

[scotta]

Well, I decided that moving house isn't happening so can be a bit more spendthrift on other stuff. Timculator again

Did you not just move house?

Yeah, about 6 years ago Seems recently still.

Been 5 1/2 years since we moved. The experience still burns a black hole in my soul.

[Jobbo]

Yeah, I don't want to move house again but I do think there will be some purchase opportunities in the next year or two. Big bridging loan so we don't have to sell is the only way I'd be willing to do it now.

[mik]

Yeah, I don't want to move house again but I do think there will be some purchase opportunities in the next year or two. Big bridging loan so we don't have to sell is the only way I'd be willing to do it now.

Have pretty much stopped doing Bridging loans up here. Clearly some bad experiences where the chain has broken and folks are left with 2 properties….

[Jobbo]

Bridging to get the purchase done, refinance immediately afterwards and keep both properties would be my plan.

[MikeHunt]

Bridging to get the purchase done, refinance immediately afterwards and keep both properties would be my plan.

I considered this, but begrudge paying the 2nd property tier of stamp duty.

[Jobbo]

Bridging to get the purchase done, refinance immediately afterwards and keep both properties would be my plan.

I considered this, but begrudge paying the 2nd property tier of stamp duty.

Indeed, but once you've paid it, that disincentivises you from selling. So it causes a shortage of property and therefore pushes prices up. Not quite the intended effect.

[GG.]

Bridging to get the purchase done, refinance immediately afterwards and keep both properties would be my plan.

I considered this, but begrudge paying the 2nd property tier of stamp duty.

Indeed, but once you've paid it, that disincentivises you from selling. So it causes a shortage of property and therefore pushes prices up. Not quite the intended effect.

The distortive effect in London is ridiculous given how it ramps up over £1,000,000. Next time we look to move we'd likely be in a scenario where we upgrade our main home and stare down the barrel of an enormous SDLT bill or alternatively buy a second property in the country with the same combined value as the single main home and pay pretty much half the tax, even with the second home multiplier. I mean how does that make sense given its actively encouraging wealthy people to buy multiple second or third homes rather than one larger one and takes further housing stock away from 1st / 2nd time buyers. Just stupid.

[mik]

Stamp Duty is a bargain compared to the horror "LBTT" that the SNP introduced for Scotland.

https://revenue.scot/calculate-tax/calc ... calculator

[GG.]

Just a totally silly way of calculating tax versus CGT on actually how much capital gain someone has made on a property.

[Jobbo]

I'm getting there on the spec but am really struggling with the choice of wheels. My wife has just said choose what I want, but I'm going to show her pictures so she at least feels like she has had input. Basically uncertain about these (none are the standard Macan T ones because those are darker grey and I think it needs a contrast since the car is black leather/black paint:

Polished 20"s, standard design on the Macan S (£387) - these are the same basic alloys as on the T but in a different finish:


Vesuvius grey (lighter grey) 20"s, same basic alloys again but in a fully painted lighter grey finish (£921, utterly mad, but it's £1764 to change to these from the ones above on the S ):


911 Turbo style 21"s (£749):


21" Exclusive Sport Design in platinum (£753):


I think a Macan looks about right on 20"s and I imagine rides a bit better too. So I'm wavering towards either of the 21"s because they do look nice and are relatively good value (they're both about £1600 options on the S or base Macan). Opinions?

[Rich B]

Either of the 21s look massively better to me. The bottom ones look best (and easiest to clean).

[Ascender]

Turbo style then Sport Design ones for me. 21s look a lot better and the top two designs look a bit dated to me?