No
 

NO whatever you pay into the loan stays with the Bank, unless you refinance the entire loan with an increased value on teh property, and request to use some of the equity that may have accrued to pay off credit card debt or other loans/debts. The reason they do it that way is because they get to charge you all sort of fees for doing so.

The reason normally for the fees is that the bank has hedged the interest rate risk on the loan for its duration or possibly even sold the interest payments as a derivative to a third party e.g. Pension fund.

When you terminate the loan it creates a significant knock on effect as any interest rate hedge needs to altered and the person who bought the cash flows will no longer get what they expected and hence charge the bank.

It also depends on the mortgage - additional payments can go directly against the mortgage. The bank will always have a preference to pay down unsecured debt first (for obvious reasons) but this should actually align with the your objectives. Unsecured debt is always much more expensive than secured debt.

No I am not to blame. Blame Toyota that gave my dumb fat arse the job. :lol:

That is exactly my plan PBO. All the extra money that I have put on the loan I can access at any time I want but I have to pay a $50 fee and it has to be a minimum of $2000 redraw. No probs there but what I think it is worth mentioning is the difference in interest rate. The difference is huge compared to what you guys in U.S. pay. I pay 7.30%p.a. Not sure what you guys in U.S. pay but I bet it's a lot less than that. Our economy took the GFC reasonably well compared to a lot of countries but there is a price to be paid for that and higher interest rates are one of them.

Jerry to be honest my particular plant has been blessed. Even when other Toyota plants around the world were dropping shifts and other manufacturers closing doors on some of their plants altogether we were still pumping out cars and doing overtime. The reason for that is that we supply the Arab market with our cars and ........ well they are pretty rich and didn't feel much of the GFC effect. They kept on buying cars at the pretty much the same rate as usual.
Other Toyota plants around the world got pretty jealous with us and we nearly lost a certain percentage of our quota to them but in the end we ended up keeping it somehow. Things are a lot better now so they have left us alone. Right now we are coming to the end of the model run and we are still doing couple of hours overtime a every day. It will slow down for couple of months towards the middle of the year but when the new model kicks in it should be back to crazy amounts of overtime.

you mean iv read this entire thread just to find that there is still not a graph ....
im all about supporting local buisnesses. and i have no problem paying the price for quality
if im actually getting quality with a decent warranty. that said i LOVE castle creations
and am scared of MA. im not saying i havent had 2 mmps just stop... but i was taken care of super fast and with no cost one time and a very small cost the second time....

ma needs to revamp and actually stand behind there warranty on top of making a decent battery. id pay 2 or 3 times the going rate for a turnigy if it had a decent warranty..

"Severely Unaffordable" housing is one...

http://www.demographia.com/dhi.pdf

Page 9 of this US report shows Australian capitol cities among the least affordable in the world (source countries anyway)

Atlanta, GA average housing affordability = 2.3 x average income
Melbourne, AUS average housing affordability = 9.0 x average income
Sydney, AUS average housing affordability = 9.6 x average income

That's right you wasted your time. I have read every Max amps thread on here and every one is the same. MA comes on here and makes claims and promises about getting graphs and and never follow through with what they say. They post graphs that aren't really very good. The one they posted on here I was not impressed with at all since they say 150C. They never follow through with what they say.

It makes me want to start buying cells, assembling and selling them myself with real specs instead of made up crap. It is really a shame that an American company would be so blatantly dishonest, I expect it from the Chinese. Not that there are not snake oil salesmen here (just look at a Sky Mall catalog), but come on.

BTW for S's & G's I was able to start my 3.8L V6 with only a 4S3P A123 cells so them starting that engine doesn't impress me in the least.

Jeff

Yeah but your 3.8l v6 doesn't impress anyone :)

Maybe not this 3.8L but my old one with 440 ft/lbs @ 3500 rpm and 390 hp at 5800 probably would, and it would be just as easy to start :)

Besides most v8 engines will take less than 300 amps to start all day everyday, and that was in the days of the non gear reduection starter.

Max Amps still sucks.

Jeff

Funny how
 

Yea its funny how the MA crew have stopped posting up in here. Kind of reminded me of the old saying, that it is hard to win an A$$ kicking contest when you only have one leg. You cannot win an arguement when you have nothing to stand on, or only half a brain. Kind of like trying to win a murder case, when you know you did it. The guilty always plead the fifth, hence the silence from that end of the table..... MA should be ashamed of themselves for the way they have handled this situation, and crapped all over their own reputation. Not that it was so great to begin with. In my book no better than a suicide bomber walking into a church hurting inocent people who are foolish enough to trust that all people are good by nature. You can dress a skunk up in a Tux, but it still stinks the place up. Sorry but I am so disappointed that they have not followed through with the graphs showing their own claims. It just answers the question as to whether these packs are really what they say they are. NOT!!!!!

They took their OLD 6500SS Series packs, and made some pretty new labels. Then revamped all the numbers.

Probably came up with some new arguments about how nothing can be tested. :oops:

They are not the only ones doing this type of dress up work though.

Recently I bought a "12 cell" laptop battery. It wasn't OEM, but an aftermarket replacement. Clearly marked 8800mah on the pack.

I wanted to get the 12 - 18650 cells to use on a project.

I opened it up and there were only 9 -18650 cells inside, and each cell was only a 2000mah cell. :oops: There were 3 dummy tubes inside to take up the extra space. I'm sure alot of people didn't know the difference.

Just Like Maxamps!

Wow....... Did you call them on it?

Consumer reports.
 

Yea thats one of those "Consumer Report" issues that should end up on TV for the rest of us to know about. I would shoot Consumer Reports a short email just to let them know and see if they follow up on it. I would be willing to bet that they would purchase your battery pack from you as part of the investigation. Sounds pretty fishy to me. As you sure that the pack was not made by someone we all know. Is there a trade mark anywhere on the pack that looks like a capital MA? Or maybe some small blue flames somewhere on the casing? sounds like something they would do considering their rep.

LOL... :gasp:
I've been out of the RC Scene for a while and still a bunch of BS going around.. I actually thought it was going to be different before I read the whole thread..

http://www.techworld.com/cmsdata/new...bunny-page.jpg

This thread keeps on going and going and going...

I'll do my part to keep it going - MA has some true believers over in the e-Baja forum:

http://www.hpibajaforum.com/forum/sh...5&postcount=16


Be sure to check out FastEddy's entire thread, which seems to promise a detailed look at him installing the CC kit (I find it hard to get excited about a thread that begins with pictures of boxes and then continues with someone showing how nicely they can follow a set of installation instructions - but evidently some people go crazy over these types of threads.)

http://www.hpibajaforum.com/forum/sh...65#post1318865

And I rarely get to use one of these:

:diablo:

Meh, clearly a total noob if he had to ask all his 'expert' friends and they suggested maxamps as being the best possible packs- they arent slightly more expensive than budget lipos, they are massively more expensive than top end brands...

Someone tell him to enable the data logging feature and post up some graphs, I cant wait to see him realise how badly those packs perform vs their rated specs... :lol:

Yes the motor is awesome but the pictures of boxes crack me up too, reminds me of Noobs on TRX taking mass pictures of their bone stock Tmaxx right out of the box. At least he happy tho :yipi:

From Saterdays bash the Maxamps 6500mah packs seemed to run about the same as the 4500mah Turnigys.

The turnigys's hadn't yet hit the lipo cutoff and when I charged them I put 4500 back in.

The Maxamps hit the LVC and took about 5000mah IIRC.

typical
 

Sounds typical of what we expected for the most part. For the money pretty poor performance in my opinion.

Yea those guys probably suggested he get the MA packs so they can see how they work out in his setup, so they don't have to invest that kind of $$$ themselves to find out that they are not worth it. Get the kid to come in here and share his results with us once he gets everything setup and has a chance to use them. Then after we get to see how badly his graphs are we can encourage him to follow up demanding his money back for false advertising and poor performance.

Just cuz they don't agree with you doesn't make them a newb. I know he's been around a lot in the Baja gas world, maybe he's a e-newb.

But they aren't that much more expensive than say Hyperion, TP, etc. Against the Turnigy, etc. of the world, very much so, but so are Hyp, etc.

Yes, graphs are always interesting of all battery types...

+1

Maybe we'll finally get some graphs for this thread!!!

:lol:

Ouch.



Edit: Meanwhile, back at FastEddy's thread, the RCM crowd is chiming in!

http://www.hpibajaforum.com/forum/sh...d.php?t=101706


:party:

performance
 

Compared to their performance by those who have had the chance to use them, they are not worth even close to that. Performance wise they are not even equal to other brands of lower specs. If the cost was half of what they are charging maybe.

WOW, it was like dejavu reading that thread, reminded me a whole lot of a certain member on here, and 10 other forums......im sure you know who im talking about.
That fasteddy guy is just proof that a high post count does not always mean you know what you are talking about!

That much is pretty obvious as he had no real Lipo knowledge.

True though, the MA packs are a similar price to TP or Hyperions, but those lipos perform wayyyyyyyy better than the MA packs could ever hope too, we know this for a fact as we have graphs & discharge logs. If the MA packs performed as well as the other premium brands then I wouldn't be half as critical of them, but they just dont... :no:

I'm the only one who's actually used them in a baja here. They are fine...

Not the cheapest packs but they will do the job.

I'm just curious how you can say this, Then IMO a 6500mah battery, rated at more amps, performing about the same as 4500mah battery, would not be fine, if I paid the listed price on both of them, I'd have to say I'd be pissed off. .

You have to admit that the MA packs are overrated. If you hit the lvc and only put 5000mah back in those are not 6500 packs. How out of balance were they? Depending on how long the balanced on the charger you may not even have got 5000mah out of them, as balancing takes mah.

Getting 5000mah out of the turnigys sounds like they are underrated. What c rating are those packs?

So you will say that the turnigys are comparable to the Ma packs, performance wise?

But
 

BUT those pretty blue flames on the wrap make you want to buy more. And the chicks will dig your ride because of that great looking set of wraps you have in it even if the guy with the Turnegy (lower rated) packs just kicked your butt, because your LVC kicked in too soon.

IMO the lvc for any MA pack should be set at 4.19v to prevent puffing...

:whistle::lol::rules::na::gasp: I just didn't know which one to use! That was awesome, maybe even 4.2

Glad you liked that, I am sure some will miss the humor and just see it as MA bashing...

To be honest I am sick of hearing about MA. Seems as much data and experince we pour out, people want to believe the hype and buy these packs... And then you get the "internet experts" who have only ever had 1 MA pack who they preach that MA are the best lipo... No experience, no idea. Just alot of BS. We need a smiley with a BS flag like the lol one. That way we can all just reply with that whenever the 300c super extra gangsta poop rated packs arrive, next week.

I really wish I could get my hands on one of these to do some real testing

I am not saying they are the best packs, I'm not saying they are the best value, I'm not saying they are not over rated or v expensive.

I'm just saying they will work.

And yes the two packs were more out of balance than I would have liked. .2v iirc max to min cell

<a href="http://www.animateit.net"><img src="http://www.animateit.net/data/media/86/bs.gif" border="0" alt="BS Smiley" /></a>

Stop being level headed & pragmatic, become a hater- you have more than enough reason to based on how poor the performance is on those lipos vs the listed ratings... :yes::lol:

I think he's just being diplomatic...

They say war is just an extension of diplomacy by other means... :mdr:

Man, I haven't been around in a while, and I'm still in awe of that chick in josh9mille's avatar. Please don't ever change this. :D

Between Arct1k and Neil, I think we have a good sample of the range of British diplomacy.

Either that or in terms from Top Gear, the size of their respective "Gentleman's Sausage". :)

Thank you, at least im good for something around here! :lol: