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St James's place wealth management
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My Audi A8 threw an electronic handbrake warning. I plugged in diagnostic lead and it said the motor was encountering resistance. I was mega busy so I took to local indy, gave them a print out of the error, and asked them to see whether motor faulty (most likely) or caliper needed to be freed off.
They called and said "needs new caliper and motor, £1100 please". I asked what made them think new caliper needed and they said "we change both, easier, can't get motor on its own, pay up or sod off". We agreed that I'd sod off, and they tried to charge me £57.50 for diagnostics despite not having done anything other than look at my piece of paper!
I slapped a new motor on myself for £170 and job done. Two bolts, one connector.
Yesterday, I fitted a new evaporator motor to our fridge freezer using a generic part from ebay for £20. Official part is £118 plus call out, and I'm sure diagnostics on top even though it was obvious this motor had failed.
If you don't learn how to do basic DIY then you'll get reamed over and over. Yes, it shouldn't be this way, but it is.
Financial matters are no different but they do tend to use a viciously large bore reamer!I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.
Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.0 -
As legend goes, the large bore reamer machines used to dig the channel tunnel were simply bricked up and left down there because it wasn't worth the hassle of trying to reverse them back the 20 miles to the shores from whence they'd come, and they weren't going to be used on another project anytime soon.gadgetmind wrote: »
Financial matters are no different but they do tend to use a viciously large bore reamer!
However, that's just an urban legend. In reality, three of the machines were sold to SJP - one for when you sign up, one for while you remain a customer, and one for when you leave.0 -
gadgetmind wrote: »Yesterday, I fitted a new evaporator motor to our fridge freezer using a generic part from ebay for £20.
Wow, I'm impressed!
Which fridge freezer has user serviceable parts?0 -
Most of them. Remove the faulty part and type the part number on it into google. Surprising how quickly one for sale comes up. I got a circuit board for my central heating boiler, and a thermostat for my fridge as easy as that.Wow, I'm impressed!
Which fridge freezer has user serviceable parts?“It is difficult to get a man to understand something, when his salary depends on his not understanding it.” --Upton Sinclair0 -
Glen_Clark wrote: »Most of them. Remove the faulty part and type the part number on it into google. Surprising how quickly one for sale comes up. I got a circuit board for my central heating boiler, and a thermostat for my fridge as easy as that.
How quickly a thread can turn! Just waiting for parts for my tumble dryer at the moment, all ordered off eBayRemember the saying: if it looks too good to be true it almost certainly is.0 -
Which fridge freezer has user serviceable parts?
I'll try to take back on thread.
You can't generally work on the coolant circuit, so compressor, evaporator, condenser, etc. need special tools and certification due to coolant. The fact that I fitted air con to a car myself (bought it for £100 in a cardboard box and tinkered it into place) is bye and bye ....
Everything else tends to be held into place with a few bolts and may have a few electrical connections.
In financial matters, taxation is hard, pensions legislation can be chewy, but the nuts and bolts of putting together a portfolio is very easy. Learn as much as you need to learn to understand what you personally can and can't do. Do not let fear of the unknown put you off turning the easy bits into the known.I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.
Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.0 -
At first reading I interpreted that as being the compressor motor which requires equipment to gas it up which seemed a bit difficult.Yesterday, I fitted a new evaporator motor to our fridge freezer using a generic part from ebay for £20.
The fan that blows the coldness out ought to be replaceable to "everyone" but sadly isn't.
It always amazes me that in a team of around 15 people (in IT) I seem to be the only person who fixes anything myself. The rest expect to pay for even the slightest job like drive belts and brushes on washers etc.
I don't think things were always like this, we're they?0 -
I have never considered taxation, as it impact "normal" people "hard".In financial matters, taxation is hard,
Income tax is dead simple as is NI, VAT etc. A lot of the problems that put people off tend to be the fairly simple arithmetic and a determination that it must be complicated when it isn't really!0 -
greenglide wrote: »I don't think things were always like this, we're they?
No, they very much weren't.
Everyone used to have a greasy Haynes manual and a basic set of tools. If the clutch went on your Viva, you and one of your mates spent a Saturday slapping a new one in.
It's kind of ironic really as access to the required information, supplies of parts, and even Youtube videos showing you how to do the job, are widely available.
Ditto investing. No more calls to your broker, no more paper certificates, no more high-spread unit trusts, and a wealth of information at your fingertips.I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.
Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.0 -
greenglide wrote: »I have never considered taxation, as it impact "normal" people "hard".
Lots of normal people come on here asking -
1) Whether they will pay CGT on their SAYE shares and how to mitigate.
2) How much to put into their pension to avoid higher rate tax.
3) Whether having a holiday/investment property will cause them to pay 3% extra SDLT if they downsize.
4) How best to draw a pension to minimise tax.
5) Why they paid NI one week when they don't normally.
And much more.I am not a financial adviser and neither do I play one on television. I might occasionally give bad advice but at least it's free.
Like all religions, the Faith of the Invisible Pink Unicorns is based upon both logic and faith. We have faith that they are pink; we logically know that they are invisible because we can't see them.0
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