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I have been a residential and commercial developer and investment director for 12 years but as you know that is sitting behind a screen working with numbers and designs and hiring contractors to build the projects so no hands on experience with the exception of renovating my own home which is...

I have been going around in circles trying to figure out how one becomes a builder which seems to be a rather complicated affair for what should be fairly straight forward. I am planning on a career change and want to basically be my own boss and do my own thing for the rest of my days. I want...

Thanks, that sounds pretty much like what I thought it would be. To be clear, do i need to sand the entire ceiling and remove the parts where the paint is not flaking? I'm not sure I understand if all existing paint needs to be removed first so it goes back to the plaster skim, then unibond...

hey guys what would be the right way to fix this? Ceiling in bathroom has flaking/peeling paint and a hairline horizontal crack in the plaster beneath (the ceiling is plasterboarded, meshed, rendered and then painted). I am thinking first I will need to score the crack a bit to open it up and...

Thanks for the replies guys. I went with the countryman. Placed the order today for Rebel Green, Black Top, Black Wheels, HUD display, Harmon Speakers. It was a really tough choice because both cars look awesome imho but hope I won't regret it!

how interesting do you have the mini driving modes in yours? If not, does the steering have that heavy tight feel to it like the hatch?

I actually just thought of that and wondered if the difference wasnt the All 4 vs the FWD but then from what I understand even in the All4 it is mainly FWD until the car loses traction. Interesting, so your FWD clubman feels like driving the hatch? same "corners on rails" feel? Honestly? I...

Unfortunately, comes as standard on the JCW and can't be taken out. Is it? I don't think it's that bad for the price of the cars. Works out to about 37.5% of list price, 45% of discount price if i were to lease. I think that's quite good for a 3 year lease on a super premium vehicle. But...

My 19 plate Mini Hatch 5dr Cooper S Sport is going back in December and I'm in two minds about what to do. I can't renew the lease (it's a fixed term short rental with no renewal options). I contemplated the following: New 5dr hatch lease 24-36 months Purchase new 5dr hatch (I love driving it...

Rightio, thanks! That was with my bank (santander). Thanks !

Gotcha, thanks! Thanks! This one seems to tie in with what BMW quote said would be the settlement post rebate so I'll use that to estimate. Out of curiosity, has anyone come across a better personal loan offer than Santander which is 3.0% per annum with 50 days interest penalty on early...

Yep understand that, but I meant the loan is front loaded with interest payments (because it is a fixed payment every month) so when you settle early, you will always get a rebate back from the lender because you have been overcharged for interest in the earlier months. What I don't know how to...

Guys thanks this has been really helpful. One final question - when determining my actual cost at the end of the period where I intend to settle the loan and/or sell the car, BMW are able to show me what the final settlement is with the rebate for settling early. Santander cannot do this until...

So just to be 100% clear before I get back on the phone with BMW and reject their offer: Santander personal loan: 3.0% APR (with up to 50 days interest penalty on early settlement) is better than BMW's offer of 6.9% APR (with no penalty on early settlement). The way the BMW finance manager...

Guys, Can anyone make heads or tails of the rates dealerships offer for car financing? I am totally confused. If I take a 15k loan from my bank as a personal loan, I have a 3.0% APR and owe a total of 1,155.60 after 5 years. If i settle this early, the settlement value is far less. Speaking...

Is it? I can't see why OP should have to accept a used car replacement. I would be pushing for a full refund or replacement with brand new like for like model. Maybe you could ask for just the cash value of the used replacement vehicle to avoid having to be second owner on a car you didn't ask...

And how exactly was he supposed to have gone about this? He followed the only process they offer. The selling dealership did not need to take possession of the vehicle since the issues were rectifiable under warranty and therefore it makes sense Citroen would have allowed any of their...

i saw the XZ3 in carphone warehouse today (don't ask me why they called it what they did, honestly Sony's naming policy is nonsensical beyond belief now) But...the display on the XZ3 is probably the most stunning display i have seen on a phone ever. It absolutely blows away everything including...

Just an update - I bought a Note 9 from CPW and traded in an old Iphone 6 and got it for it 630 in total. I wanted the dual sim version but Samsung is having supply issues and delivery was due for two weeks or more which I didnt want to wait for. One thing I have noticed about the Note's...

I don't...but what choice do I have? Tek2k basically ripped the mate10 and note8 in pieces for me and now I'm totally confused on what to get. I can buy a Mate 10 pro from carphone warehouse for 339 + 15 (sim contract 1 month) so 354 total. New UK, single sim version. OR I can buy a Note 9...