Cosgrove

@AvonandsomerRob Nothing worse than beer snobbery. Let people drink what they want

The worst beer on draught is Moretti. Anyone tried this Italian piss?

@UTDMegish Sabitzer. 10x better than Ugarte

They say never fall in love with loan players. Which one did Manchester United make a mistake by not keeping?

@GBPolitcs No mercy. Cobra Kai Style

🚨WATCH: The moment police detain a suspected terrorist in North West London

@ArchRose90 Excellent policing

Credit to the Met Police officers who detained the suspect in Golders Green after he stabbed two Jewish people, preventing an even worse outcome. My only criticism is that they didn’t kick him hard enough.

👌

Lammens is a proper Goalkeeper

Dont get Nando's. Overpriced, mass produced shite.

@benrwright @100kDiary Thats true. But in this case I hsve to think about me rather than the state of the UK economy.

@Cosgrove84 @100kDiary Well they got completely ripped off. Of course living within your means is important, but if everyone stopped spending and just saved, the economy would collapse, which isn’t exactly great for your pension fund.

Unpopular opinion: Leasing a brand new car is the most financially illiterate thing normalised in the UK. You're paying £500/month for something that loses 40% of its value by the time you hand it back. Then you sign up for another one. A £5,000 used car does the exact same job. Gets you from A to B. Doesn't care about your ego. The difference over 10 years? Roughly £60k. Your car isn't a flex. It's a monthly donation to a dealership. Agree or disagree? 👇

@Champ__the__dog @100kDiary Yes but thats maintenance and the ownership included 21k over 10 years = £175 a month. Cheap motoring

@Cosgrove84 @100kDiary According to your own math you would have 21k invested vs my estimate of £15-20k. £5k acquisition price + £1k maintenance/year (x 10) + £2k per flip (x 3) = £21k Even if the maintenance comes in better you'd still be around £15k.

@Matelot411758 @FUDdaily @100kDiary No. It hasn't averaged 30k a year for 15 years. But it does 30k a year now with ease. Was in France last year, trips to the south coast (From Manchester) etc. But... i think this is a very well maintained example. Im fully aware not all 15 year old cars are this good

@Cosgrove84 @FUDdaily @100kDiary It’s done 450k miles?

@benrwright @100kDiary I think its about what you can afford. If you cant afford to buy cash, then dont buy it. That way the extra money goes towards retirement. My car was once sold for £30k in 2011. Some poor bastard paid £500 a month for that. Id prefer to drive an old car and retire at 57

@100kDiary You could make the same argument about any product. Bought a £1k TV?Why didn’t you save £500 and buy a shit one. Bought Heck sausages? Could have got Tesco Value. Family holiday? Just stay at home.

@motogpbsb @100kDiary Good point. Mines £325 for a 15 year old Mondeo

@100kDiary Having a cheap car can cost £750 a year in tax now, so even that is not going to be an option.

@gordonhudsonnu @100kDiary You bought a used mini with a rubbish BMW engine

@100kDiary It doesn't. To keep it in proper condition costs thousands a year. When I swapped my 9 year old Mini for a new car it had cost £2400 in maintenance the year before. And new cars don't cost £500 per month.

@Champ__the__dog @100kDiary No they dont need £15/20k. No more than £1k a year on average. But you would never keep a £5k car for 10 years. 2/3 years then sell for £3k and put £2k into a new one and go again

Many 5k cars will need 15-20k in maintenance over a 10 year period. Now you are in ~25k and have to deal with unexpected breakdowns (possibly in dangerous locations) and the lost time dealing with repairs. For another $35k you can have a new car with a warranty and avoid most of this.

@neilorpen @100kDiary You got a rubbish £5k car then. Loads of good ones that you can keep on the road for £1k a year easy

@100kDiary My £5000 car was costing me £5000 a year to run in repairs and the constant annoyance of the car having trouble caused inconvenience - buying a new car is buying convenience

@DarrylMcGarvey @100kDiary Doesnt the monthly lease amount take into account depreciation? Surely it does otherwise the lease company loses money

I think it's an odd thing to do to refer to people as financially illiterate while confusing a lease with a PCP. The joy of a lease is it's typically fully managed, maintenance etc, and depreciation doesn't matter as it's someone else's issue. A PCP does, of course, have a depreciation element, hence the guaranteed MFV.

@takenocrap69 £38k of rubbish. I wouldnt buy one. Im also not arsed if you're arsed or not.

Jesus. £225 a month.

@AdamsBoxingShow Yes

Question: Do you all think Moses Itauma could beat Tyson Fury or Anthony Joshua right now? Both Fury and Joshua are not in their prime anymore to me. Could the youngster get a win over one of them? Talk to me🥊.

@NickJoh58572861 @njnyc0701 @BoxingNewsPlus @BoxingNewsED Yes 100%. He beats them all

@Cosgrove84 @njnyc0701 @BoxingNewsPlus @BoxingNewsED He's saying he believes he could be number 1 but unproven, which is pretty much everyone opinion who's seen Moses fight

How would you currently rank them from 1-5? 🇬🇧

@njnyc0701 @BoxingNewsPlus @BoxingNewsED You just ranked him #1 haha

@BoxingNewsPlus @BoxingNewsED You can't rank Itauma #1 yet just because level of opposition; however, I STRONGLY believe that, right now today, he beats anybody on that list.