Welcome, Guest. Please Login or Register

Author Topic: Wie Koop Kontant? Who Buys Cash?  (Read 20128 times)

0 Members and 1 Guest are viewing this topic.

Offline Poena

  • Pack Dog
  • **
  • Bike: BMW R850GS
    Location: Gauteng
  • Posts: 67
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #120 on: June 03, 2016, 10:17:19 am »
Kom ek maak n lang storie kort.

As ek n R200 000 bike wil HE, en ek het net R100k, dump ek die geld as deposit en Finance die res.

Amen  :biggrin:

Ek wil NOU die ding he, nie 3 jaar spaar en een loop koop dan met 87 000km op nie  >:D

Karre en bakkies koop ek met no deposit, vet reswaarde, en swaai elke 3 jaar.
Amen.

Baie mense bang vir reswaarde, maar ek bang hom fokkol.
Dis basies n Deposit in reverse, so nog voor ek by daai deposit kom, is hy anyway al verkoop  :imaposer:

Lekker naweek  :biggrin:

As ek jou profile reg lees oor "bachelor" dan is jy veilig maar ons ander kiepies kan nie anders as om te spaar en oordeelkundig te koop nie. KLR vir erge bergpasse (want ek val nog so nou en dan) en F800 vir my en ma, altwee kontant en baie rente gespaar wat ek nou op trips kon uitgee. almal se idees nice en geniet dit.
 
One falsehood spoils a thousand truths
 

Offline Kobus Myburgh

  • Grey hound
  • ****
  • Bike: Honda CRF-1000L Africa Twin
    Location: Western Cape
  • Posts: 7,007
  • Thanked: 816 times
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #121 on: June 03, 2016, 10:19:38 am »
Kom ek maak n lang storie kort.

As ek n R200 000 bike wil HE, en ek het net R100k, dump ek die geld as deposit en Finance die res.

Amen  :biggrin:

Ek wil NOU die ding he, nie 3 jaar spaar en een loop koop dan met 87 000km op nie  >:D

Karre en bakkies koop ek met no deposit, vet reswaarde, en swaai elke 3 jaar.
Amen.

Baie mense bang vir reswaarde, maar ek bang hom fokkol.
Dis basies n Deposit in reverse, so nog voor ek by daai deposit kom, is hy anyway al verkoop  :imaposer:

Lekker naweek  :biggrin:

As ek jou profile reg lees oor "bachelor" dan is jy veilig maar ons ander kiepies kan nie anders as om te spaar en oordeelkundig te koop nie. KLR vir erge bergpasse (want ek val nog so nou en dan) en F800 vir my en ma, altwee kontant en baie rente gespaar wat ek nou op trips kon uitgee. almal se idees nice en geniet dit.
 

En daar het jy dit: Poena is koning!
"If you have men who will only come if they know there is a good road, I don't want them.  I want men who will come if there is no road at all."

-David Livingstone-
 

Offline DUSTRIDERS

  • Forum Vendor
  • Teelhond
  • ****
  • Bike: BMW R1200GS
    Location: Western Cape
  • Posts: 33,195
  • Thanked: 1024 times
  • ChrisL .. aka...Chris Louw
    • dustriders.co.za
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #122 on: June 03, 2016, 10:22:53 am »
Kom ek maak n lang storie kort.

As ek n R200 000 bike wil HE, en ek het net R100k, dump ek die geld as deposit en Finance die res.

Amen  :biggrin:

Ek wil NOU die ding he, nie 3 jaar spaar en een loop koop dan met 87 000km op nie  >:D

Karre en bakkies koop ek met no deposit, vet reswaarde, en swaai elke 3 jaar.
Amen.

Baie mense bang vir reswaarde, maar ek bang hom fokkol.
Dis basies n Deposit in reverse, so nog voor ek by daai deposit kom, is hy anyway al verkoop  :imaposer:

Lekker naweek  :biggrin:

As ek jou profile reg lees oor "bachelor" dan is jy veilig maar ons ander kiepies kan nie anders as om te spaar en oordeelkundig te koop nie. KLR vir erge bergpasse (want ek val nog so nou en dan) en F800 vir my en ma, altwee kontant en baie rente gespaar wat ek nou op trips kon uitgee. almal se idees nice en geniet dit.
 

En daar het jy dit: Poena is koning!
Poena of Poenda? :peepwall: >:D
MOTORCYCLE ACCESSORIES RETAILER
info@dustriders.co.za
ENDURISTAN SOFTLUGGAGE IMPORTER
www.dustriders.co.za
 

Offline Sylvester

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #123 on: June 03, 2016, 10:29:16 am »
For those that do not know - you can also buy 2nd hand vehicles on credit. :biggrin:

To me it is more a question of financial planning than buying cash or credit.

First of all, put money aside as needed and planned for pension (note - saving for a rainy day is not the same as pension - your pension money is never to be touched).  The rest you divide between house and vehicle payments and household expenses, school fees , etc. as per your needs and priorities.

There are advantages in paying off vehicles.  Over time you get used to the R4000 (or R14 000 for the rich guys  :biggrin:) that gets taken off your income per month and you adjust your lifestyle accordingly.  Should you need to trade your vehicle in after e.g. four years, you can continue the process at the same or slightly higher premium.  

If you bought cash and need to replace the vehicle, you might not have the cash at the time and your lifestyle might not be able to accommodate a sudden R5000 premium per month.        
I consider myself a pessimist. I am therefore always right...eventually.
 

Offline renoster

  • Pack Dog
  • **
  • Bike: BMW R1150GS
    Location: Free State
  • Posts: 200
  • Thanked: 3 times
  • offroad gs
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #124 on: June 03, 2016, 10:36:19 am »
spaar genoeg ...koop kontant is maar die beste opsie  :deal:

ek weet nie almal kan spaar nie ...dwing jouself om te spaar en voor jy weer sien koop jy kontant  :biggrin:
so teen oktober koop ek die bike kontant ...2de handse bike natuurlik  :lol8:
« Last Edit: June 03, 2016, 10:37:25 am by renoster »
he man previously known as 2deteerpadmoffie
 

Offline kwassi

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #125 on: June 03, 2016, 10:48:22 am »
Over time a loan actually gets cheaper as inflation kicks in
Solo travellers should not be considered unsociable, they are expressing their independence until they choose to do otherwise.
 

Offline jaybiker

  • Old school=Old's cool.
  • Race Dog
  • ***
  • Bike: Kawasaki Versys
    Location: Eastern Cape
  • Posts: 3,863
  • Thanked: 331 times
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #126 on: June 03, 2016, 10:55:46 am »
Couple more trivial points that are N/A to the 'affluent'.

Someone said "spend all your money before you're 80." What I want to know is, what then? How do I then carry on living and riding into my 100's?

Someone else says that if you don't borrow money, you won't have a credit rating. Sounds a bit Irish to me. Why would you want a credit rating if you're not going to borrow anyway?

And who in their right mind would give credit to a pensioner whose income is less than some people pay for their bike's insurance.  :imaposer: I'm posting a laughing symbol, but that's no joke, seriaass.
Succumb not to the erosion of those born of unconsecrated union.

"Two Wheels, an engine and a place to sit." What more do you need?

2021 a milestone. 60 years a biker.
 

Offline Fuzzy Muzzy

  • Merchandisers
  • Grey hound
  • *
  • Bike: Honda TransAlp XL700V
    Location: Western Cape
  • Posts: 9,936
  • Thanked: 526 times
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #127 on: June 03, 2016, 10:56:45 am »
If I cannot buy cash. . . . .I don't buy it.  :thumleft:


that's me.. actually with everything. If I cant afford to buy something with the money in my account, I don't but it. Only thing excluded in that is property.
Africa trip, Namibia, Botswana, Zambia, Malawi, Tanzania & Moz rr http://www.wilddog.za.net/forum/index.php?topic=61231.0
 

Offline DUSTRIDERS

  • Forum Vendor
  • Teelhond
  • ****
  • Bike: BMW R1200GS
    Location: Western Cape
  • Posts: 33,195
  • Thanked: 1024 times
  • ChrisL .. aka...Chris Louw
    • dustriders.co.za
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #128 on: June 03, 2016, 10:58:46 am »
that's me.. actually with everything. If I cant afford to buy something with the money in my account, I don't but it.

+1 :deal:
MOTORCYCLE ACCESSORIES RETAILER
info@dustriders.co.za
ENDURISTAN SOFTLUGGAGE IMPORTER
www.dustriders.co.za
 

Offline kwassi

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #129 on: June 03, 2016, 11:05:11 am »
Almost everything with us is on credit.

For example you have cash in the bank earning 7% interest.
Buy everything on the credit card no interest over 30 to 60 days. Differs from card to card / bank to bank.
Thus you buy with the banks money and don't pay interest and you earn interest on you deposit for an extra 30 or 60 days.
Solo travellers should not be considered unsociable, they are expressing their independence until they choose to do otherwise.
 

Offline Bill the Bong

  • Coffee Monster
  • Race Dog
  • ***
  • Bike: Cagiva Elefant 900
    Location: Northern Cape
  • Posts: 4,595
  • Thanked: 162 times
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #130 on: June 03, 2016, 11:09:10 am »
I will pay cash if I have it, HP if I don't.  I have 2 bikes that were cash/2 were on HP.  See?  Balanced...
 

Offline Kobus Myburgh

  • Grey hound
  • ****
  • Bike: Honda CRF-1000L Africa Twin
    Location: Western Cape
  • Posts: 7,007
  • Thanked: 816 times
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #131 on: June 03, 2016, 11:14:43 am »
Die Dalai Lama se julle moet julle geld spend, hp of kontant.
"If you have men who will only come if they know there is a good road, I don't want them.  I want men who will come if there is no road at all."

-David Livingstone-
 

Offline SlowMo

  • Pack Dog
  • **
  • Bike: Honda CTX200
  • Posts: 171
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #132 on: June 03, 2016, 11:31:41 am »
Die Dalai Lama se julle moet julle geld spend, hp of kontant.


 :laughing4:

"Diepste" post wat ek nog gesien het op WD!

Me laaik it....lots

 

Offline Omninorm

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #133 on: June 03, 2016, 11:39:57 am »


Maar hy het dan nie n bike nie?


« Last Edit: June 03, 2016, 11:41:03 am by Omninorm »
Current: :
Previous:  KTM 690 Enduro R , BMW G310GS, BMW 1200GS LC, BMW F800GS, Suzuki Vstrom 650, Honda Transalp XLV700, BMW Xchallenge, BMW Xcountry, Yamaha WR250F, Honda NC750X, Honda XR150, Kawasaki KLX450R, Yamaha YZ250, Kawasaki KX450, Yamaha YZ250F,  KTM 250 XCW, Yamaha DT125, Yamaha DT50, Honda NSR250, Yamaha RZ 50.
 

Offline DUSTRIDERS

  • Forum Vendor
  • Teelhond
  • ****
  • Bike: BMW R1200GS
    Location: Western Cape
  • Posts: 33,195
  • Thanked: 1024 times
  • ChrisL .. aka...Chris Louw
    • dustriders.co.za
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #134 on: June 03, 2016, 11:41:23 am »


Maar hy het dan nie n bike nie?




Nee hy ry met n Lama :deal:
MOTORCYCLE ACCESSORIES RETAILER
info@dustriders.co.za
ENDURISTAN SOFTLUGGAGE IMPORTER
www.dustriders.co.za
 

Offline Omninorm

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #135 on: June 03, 2016, 11:42:49 am »
Current: :
Previous:  KTM 690 Enduro R , BMW G310GS, BMW 1200GS LC, BMW F800GS, Suzuki Vstrom 650, Honda Transalp XLV700, BMW Xchallenge, BMW Xcountry, Yamaha WR250F, Honda NC750X, Honda XR150, Kawasaki KLX450R, Yamaha YZ250, Kawasaki KX450, Yamaha YZ250F,  KTM 250 XCW, Yamaha DT125, Yamaha DT50, Honda NSR250, Yamaha RZ 50.
 

Offline Sylvester

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #136 on: June 03, 2016, 11:52:07 am »

Maar hy het dan nie n bike nie?




SÍ wie?

I consider myself a pessimist. I am therefore always right...eventually.
 

Offline Man from Nam

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #137 on: June 03, 2016, 11:52:27 am »
that's me.. actually with everything. If I cant afford to buy something with the money in my account, I don't but it.

+1 :deal:

AGREE! you save thousands on interest that you can use for trips
Saving is easier than one think, you also just have to get use to it the same way you get use to paying the installments.
I rather earn interest than pay interest
Life is great LIVE IT!!
 

Offline Archangel

  • Admin & Commercial
  • Race Dog
  • ***
  • Bike: AJS (all models)
    Location: Western Cape
  • Posts: 3,947
  • Thanked: 63 times
  • Of maar net Gabriel
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #138 on: June 03, 2016, 11:53:31 am »
Bikes - only 2nd hand and only cash.

Great thing about that is if the bikes are broken, I don't have to worry about the fact that I'm spending R4k a month on something that's standing in the garage and I can't afford to have it fixed.

I bought a "new" 2nd hand vehicle on HP about 5 years ago, actually sold it in the meantime. I'm still regretting that decision, but it was our only option at the time. Didn't have the cash, needed the vehicle...

Online 2StrokeDan

  • a Man of Character
  • Worshond
  • ***
  • Bike: KTM 690 Adventure
    Location: Western Cape
  • Posts: 26,349
  • Thanked: 2206 times
  • Slim like Bill, straight like Steve
Re: Wie Koop Kontant? Who Buys Cash?
« Reply #139 on: June 03, 2016, 11:58:09 am »
Almost everything with us is on credit.

For example you have cash in the bank earning 7% interest.
Buy everything on the credit card no interest over 30 to 60 days. Differs from card to card / bank to bank.
Thus you buy with the banks money and don't pay interest and you earn interest on you deposit for an extra 30 or 60 days.

Are you saying that the bank loses money while you score? Go do your maths again, somewhere they'll get you with cardcharges or fees.