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Author Topic: Wie Koop Kontant? Who Buys Cash?  (Read 20165 times)

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Offline popipants

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #140 on: June 03, 2016, 12:16:35 pm »
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.
Nope, bank gets money from merchant for transaction fee. You only pay your yearly card fee, which isn't very much.
The only problem with the above logic is to stick to it. You need to settle the account before interest it charged.
And you need to control how much you spend.

It's also a good way of building a credit rating (in case you need it one day).
Banks love it when you borrow money and pay it back again (even if it's before they get interest). The movement on your credit cards increases your score.
I've been on the Jameson diet for a week, so far I've lost 7 days....
 

Offline Roxtar

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #141 on: June 03, 2016, 01:10:20 pm »
I never buy new, but use the bond if I have to as it is cheap finance and I have direct control over the cash flow situation........ I do not often finance with a dealer as the interest is just too much.... but when I have to I make sure term is 36 mths max.
Long live the Underdog.........
 

Offline Lem

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #142 on: June 03, 2016, 01:24:00 pm »
Ek het vir 8 jaar vir kommissie gewerk. Vroeg in daai tyd het het ek in die skuldmaak strik getrap. Twee of drie slegte maande in 'n ry en jys in jou moer.

Ek stem nie saam met die woorde skuldmaak strik nie.  Soos Manic uitwys is dit nie sleg om teen skuld te koop nie.
Die strik waarin ek voel baie mense trap is die cashflow of finansiele beplanning strik.
Baie mense koop op skuld tot op hulle limiet en as dinge dan skeef loop dan loop dit behoorlik skeef.

Daars in die kommissie beroepe hierdie kak gedagte van ... "as jy nie skuld het nie raak jy laks en dan werk jy nie hard genoeg nie" 

Soos jy die "strik" hierbo verduidelik het is presies hoe ek dit bedoel het  :thumleft:
Faith is not knowing what the future holds, it's knowing who holds the future
 

Offline kwassi

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #143 on: June 03, 2016, 01:25:17 pm »
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.
Nope, bank gets money from merchant for transaction fee. Correct but out of my point of view I don't pay anything. We are talking about consumers not retailers here. But the bank do make money on the admin fee and remember the deposit they take and on lend it. Not everything

You only pay your yearly card fee, which isn't very much. Correct, monthly these days

The only problem with the above logic is to stick to it. You need to settle the account before interest it charged.
And you need to control how much you spend.
Correct

It's also a good way of building a credit rating (in case you need it one day).
Banks love it when you borrow money and pay it back again (even if it's before they get interest). The movement on your credit cards increases your score.
100%

Solo travellers should not be considered unsociable, they are expressing their independence until they choose to do otherwise.
 

Offline kwassi

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #144 on: June 03, 2016, 01:29:43 pm »
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.

So let me explain.

On your cheque account they make the monthly fee and in certain cases transaction fee, deposit fee and withdrawl fee. Dependent on the bank. Now that deposit even if it is on a call account it is still there a couple of days even if it is not everything. They take that money and lend it to somebody else. So they give you for example 3% and charge somebody else 10% for example.

And on the credit card as mentioned they get the monthly fee and the merchant fee. The bonus is the interest you pay on the credit card.
Solo travellers should not be considered unsociable, they are expressing their independence until they choose to do otherwise.
 

Offline Manic

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #145 on: June 05, 2016, 06:10:27 pm »
Bike op skuld koop is nie vir my erg nie.

Wat wel erg is, is die volgende pics.
Dit vandag in die winkel geneem.
En glo my, duisende mense koop so elke dag.


R599 becomes how much................?




R2249 becomes how much................?

 

Offline TheBear

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #146 on: June 05, 2016, 06:26:22 pm »
Bike op skuld koop is nie vir my erg nie.

Wat wel erg is, is die volgende pics.
Dit vandag in die winkel geneem.
En glo my, duisende mense koop so elke dag.



Hierdie winkels is gereeld in die moeilikheid oor hulle die wet op huurkoop ortree.
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Offline MegaPix

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #147 on: June 05, 2016, 07:11:36 pm »
Al my bikes cash gekoop
my kar ook nou.  Maar dis reeds 'n 6j oue kar

Kan nie nuut beksotig nie
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Offline Bundu

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #148 on: June 05, 2016, 07:34:17 pm »
Al my bikes cash gekoop
my kar ook nou.  Maar dis reeds 'n 6j oue kar

Kan nie nuut beksotig nie

moenie sleg voel nie, ek het nou die dag 'n 20 jaar oue bottel whisky ook gekoop, kannie nuwer bekostig nie  ;)
 

Offline MegaPix

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #149 on: June 05, 2016, 07:37:11 pm »
Al my bikes cash gekoop
my kar ook nou.  Maar dis reeds 'n 6j oue kar

Kan nie nuut beksotig nie

moenie sleg voel nie, ek het nou die dag 'n 20 jaar oue bottel whisky ook gekoop, kannie nuwer bekostig nie  ;)

Jy sien ek soek ook daai whisky , maar ek sal daai bottel moet finance
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Offline Bundu

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #150 on: June 05, 2016, 07:51:06 pm »
Al my bikes cash gekoop
my kar ook nou.  Maar dis reeds 'n 6j oue kar

Kan nie nuut beksotig nie

moenie sleg voel nie, ek het nou die dag 'n 20 jaar oue bottel whisky ook gekoop, kannie nuwer bekostig nie  ;)

Jy sien ek soek ook daai whisky , maar ek sal daai bottel moet finance
:thumleft: :lol8:
 

Offline 2wdrift

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #151 on: June 05, 2016, 11:45:31 pm »
I am in the fortunate position that I have been able to buy all my vehicles cash, apart from those I inherited (luckily paid off already).

So I have bought one new vehicle cash, my old 1190R. For the rest I prefer buying used and buying cash, if I cant pay cash I cant pay period. This might change soon thanks to the guvment screwing the economy and country though...
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Offline Copernicus

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #152 on: June 06, 2016, 10:55:26 am »
Bike op skuld koop is nie vir my erg nie.

Wat wel erg is, is die volgende pics.
Dit vandag in die winkel geneem.
En glo my, duisende mense koop so elke dag.


R599 becomes how much................?




R2249 becomes how much................?



Kyk, hierdie is darem nou vir jou 'n klomp skelms.  Die rentekoers is maar net daar om die prentjie te voltooi, dit het niks met die bedrae tedoen nie.  En op die eerste een is die rentekoers aansienlik hoer as die tweede (ek het nie die somme gedoen nie).  Rentekoers lyk nader aan so 80%.

Is sulke advertensies wettig?  En wie is die arme mense wat daardeur gevang word?  Dit lyk my die 'nuwe' middelklas word deur skuld bepaal, aangehelp deur onkunde.  Dit is niks tedoen met bates nie.
I started biking as an under achiever and it went downhill from there...
 

Offline BlueBull2007

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #153 on: June 06, 2016, 11:41:05 am »
Quote
Kyk, hierdie is darem nou vir jou 'n klomp skelms.  

 :eek7: Im in the wrong business it seems!

Unbelievable that they can get away with it.
« Last Edit: June 06, 2016, 11:41:33 am by BlueBull2007 »
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Offline Bundu

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #154 on: June 06, 2016, 01:51:55 pm »
die ding is, daar's insurance en admin kostes ook by en veral op kleiner aankope maak dit die produk baie duur - die armstes word gespyker :-[
 

Offline Vintage_Mania

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #155 on: June 06, 2016, 01:53:15 pm »
die ding is, daar's insurance en admin kostes ook by en veral op kleiner aankope maak dit die produk baie duur - die armstes word gespyker :-[

Hy word dalk gespyker, maar kontant sou hy nie sulke smart potte gehad het om in sop te kook nie......

People say nothing is impossible, but I do nothing every day. And doing nothing often leads to the very best kind of something.
 

Offline Manic

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #156 on: June 06, 2016, 03:58:19 pm »
die ding is, daar's insurance en admin kostes ook by en veral op kleiner aankope maak dit die produk baie duur - die armstes word gespyker :-[

Of hy betaal net 1 pmt en nooit weer nie, dan moet die ander suckers vir daai knock betaal.
 

Offline Bundu

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #157 on: June 06, 2016, 04:40:21 pm »
die ding is, daar's insurance en admin kostes ook by en veral op kleiner aankope maak dit die produk baie duur - die armstes word gespyker :-[

Of hy betaal net 1 pmt en nooit weer nie, dan moet die ander suckers vir daai knock betaal.

dis reg - my tuinier, wat op my erf bly, het ten spyte daarvan dat ek aangebied het om vir hom geld te leen (werk 10 jaar vir my) by van die skelms 'n klomp goed gaan koop - yskas, HiFi etc - hy is toe dood aan AIDS/TB - die fokken winkels het moerse dreigbriewe gestuur - hy het hulle omtrent R16k geskuld - sy broer trek toe in sy kamer in en werk nou vir my - ek het die klomp eisers in hulle moer gestuur - sy broer score nou lekker
« Last Edit: June 06, 2016, 04:41:18 pm by Bundu »
 

Offline MegaPix

Re: Wie Koop Kontant? Who Buys Cash?
« Reply #158 on: June 06, 2016, 07:44:02 pm »
die ding is, daar's insurance en admin kostes ook by en veral op kleiner aankope maak dit die produk baie duur - die armstes word gespyker :-[

Of hy betaal net 1 pmt en nooit weer nie, dan moet die ander suckers vir daai knock betaal.

dis reg - my tuinier, wat op my erf bly, het ten spyte daarvan dat ek aangebied het om vir hom geld te leen (werk 10 jaar vir my) by van die skelms 'n klomp goed gaan koop - yskas, HiFi etc - hy is toe dood aan AIDS/TB - die fokken winkels het moerse dreigbriewe gestuur - hy het hulle omtrent R16k geskuld - sy broer trek toe in sy kamer in en werk nou vir my - ek het die klomp eisers in hulle moer gestuur - sy broer score nou lekker

Snaaks hulle het nie aaangedring op Customer aprotection nie.  Dan was die qgoed klaar betaal die dag toe hy  peg
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Offline Bundu

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Re: Wie Koop Kontant? Who Buys Cash?
« Reply #159 on: June 06, 2016, 07:52:34 pm »
die ding is, daar's insurance en admin kostes ook by en veral op kleiner aankope maak dit die produk baie duur - die armstes word gespyker :-[

Of hy betaal net 1 pmt en nooit weer nie, dan moet die ander suckers vir daai knock betaal.

dis reg - my tuinier, wat op my erf bly, het ten spyte daarvan dat ek aangebied het om vir hom geld te leen (werk 10 jaar vir my) by van die skelms 'n klomp goed gaan koop - yskas, HiFi etc - hy is toe dood aan AIDS/TB - die fokken winkels het moerse dreigbriewe gestuur - hy het hulle omtrent R16k geskuld - sy broer trek toe in sy kamer in en werk nou vir my - ek het die klomp eisers in hulle moer gestuur - sy broer score nou lekker

Snaaks hulle het nie aaangedring op Customer aprotection nie.  Dan was die qgoed klaar betaal die dag toe hy  peg

ek weet nie, dalk was daar, maar die fokkers het aanhou briewe stuur, omdat hy obviously nie meer betaal het nie en ek stuur toe vir hulle doodsertifikaat - hulle my toe nog paar keer gepla en ek toe hulle per email uitmekaargevloek, wat hulle toe wakker gemaak het