STANDARD Bank is under fire from scores of Coca-Cola employees in Midrand, who are accusing the financial services giant of overcharging them for loans given to them as part of an arrangement with their employer.
Difficult times for some ! Inside job? Somebody is ripping them off, maybe more than one person is invoved here. Please call the The Hawk and the rest will be history ! Report Abuse
Jun 20, 2012
zooloo
bIack people dont read, they probably just signed the contract without reading or understanding the finer terms and conditions....
probably got happy with the figures that were going to be transferred into their bank account. Report Abuse
Jun 20, 2012
truthhurt
'Bank is ripping us off'
Well Dah!
Banks are there to milk you dry, get used to it! or save under your mattress. Report Abuse
Jun 20, 2012
Pointman
If those figures quoted are correct then this is shocking. Sustained exposure of malpractice in the insurance industry sorted out some insurers - now the reporters must go after the banks. Report Abuse
Jun 20, 2012
BRA-MAFUTHA
Standard Bank are ripping us off - Steve knows that Report Abuse
Jun 20, 2012
ngutha
@zooloo
bIack people dont read, they probably just signed the contract without reading or understanding the finer terms and conditions....
probably got happy with the figures that were going to be transferred into their bank account.
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Please do not generalize. Many people are forced to take some these deals.
I am also in the same situation. My employer forces us to take medical aid from his "preferred" insurer. I am paying R2 300 to cover my wife and 2 kids. This is way too much.
When I shopped around, I got a quotation for the same cover and with more added benefits from 3 different companies for +/- R1 100. I can't change my medical aid because the my employer does not recognize other medical schemes. He insists that we join his preferred medical aid
So I know where these guys are coming from. These employer present the schemes as if it is compulsory. And many people take deals that are on the table, because we are trying to comply with company regulations. Report Abuse
Jun 20, 2012
keepchange
Afterall , its not a new thing in this country , its has been going on for the past 20 yearsand nobody is doing anything about it. So Banks are here to make money ? Should we live with it ? Report Abuse
Jun 20, 2012
KeRataBasadi
I'm in a situation with this bank, time I got a few things clear before, I have to take my story to the papers too. Report Abuse
Welcome to the real world. Trying to get paperwork out of Standard Bank is like finding hens teeth in a mielie patch.
Problem is that ALL the banks are con artists so changing banks will simply change the name of the leach. Report Abuse
Jun 20, 2012
xhosagirl
I never like taking a loan and will never will, dont have an account buying everything cash even furniture.my husband once forced me to take a loan but i refused since e le a person ledi loans Report Abuse
Jun 20, 2012
lindsay
standard bank is worst than leaches i made a fixed deposit last year with them and at the end of the term didn't get any interest but take a loan from them you will be paying high interest, how does it works? Report Abuse
Jun 20, 2012
Mapholobakay1
This is very sad and sickening. They should approach the court for action. I think they have enough evidence to have a strong case Report Abuse
Jun 20, 2012
StylesP
Standard bank must be nationalised really... i'm pissesd off now. Report Abuse
Jun 20, 2012
dimpho_4U
...people need to read and understand their loan contracts properly before signing anything..or ask someone to explain it to you.. remember Terms and Conditions apply when dealing with banks or any corporate firms, but Standard Bank yona ke mathata..even their ATM charges are abnormally insane. Report Abuse
Jun 20, 2012
Buc4life
Good Morning All
Ppl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow.
StylesP
Standard bank must be nationalised really... i'm pissesd off now.
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G morning.
Please do not start with that now. Report Abuse
Jun 20, 2012
Buc4life
Mapholobakay1
This is very sad and sickening. They should approach the court for action. I think they have enough evidence to have a strong case
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the contract of sale, is the only legally binding document. Report Abuse
Jun 20, 2012
Buc4life
MommaC
Welcome to the real world. Trying to get paperwork out of Standard Bank is like finding hens teeth in a mielie patch.
Problem is that ALL the banks are con artists so changing banks will simply change the name of the leach.
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G Morning.
Why would you say that banks are con artists? Report Abuse
Jun 20, 2012
Mapholobakay1
Buc4life
I dont think you read the story correctly, these people have additional loans on the existing loan. They dont know about those additional loans. There is a scam that is happening involving bank employees and people who are working in deeds office. They reposses houses illegaly and resell them at their benefits.
If bank employees can pull that one out without being caught how can they fail to defraud illeterate blue collar workers? Report Abuse
Jun 20, 2012
Buc4life
keepchange
Afterall , its not a new thing in this country , its has been going on for the past 20 yearsand nobody is doing anything about it. So Banks are here to make money ? Should we live with it ?
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G Morning
Yes, banks are here to make money-like any business. Our government introduced the NCA(National Credit Act) that helps you the consumer not to over-extend yourself with credit. The bank must ensure that the customer can afford a loan before they give it. Banks have no control on the prime rate. If it is high, banks will charge high interest rates. So, it is up to us consumers to ensure that we borrow correctly. Report Abuse
Jun 20, 2012
MommaC
Buc4life
Morning dear.
They are all con artists. They are a giant cartel which exists to milk us as badly as the government does. The 'added' costs they slip in should be a criminal offence. Given half a chance, I'd bypass them altogether but, unfortunately, that is not possible Report Abuse
Jun 20, 2012
MsKinkyakaKamaSutra
ABI Payroll and some Standard Bank employees are in cahoots of rippingoff the said employees.
Most of the employees have additional loans that they know nothing about and the repayments already made are more than double the initial loan amount...
I dont think you read the story correctly, these people have additional loans on the existing loan. They dont know about those additional loans. There is a scam that is happening involving bank employees and people who are working in deeds office. They reposses houses illegaly and resell them at their benefits.
If bank employees can pull that one out without being caught how can they fail to defraud illeterate blue collar workers?
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I read the story correctly. There is no way. I repeat- there is no way, any bank can grant addtional loans without the customer`s knowledge. Customers, being customers, apply for additional loans, and they they forget. The bank normally asks the customer to pay one amount for those addtional loans- that is why customers forget about additional loans.
Banks are private companies. Corruption is not tolerated. Report Abuse
Jun 20, 2012
MsKinkyakaKamaSutra
What a coincidence that Standard Bank is alo managing ABI's provident fund..........
''The bank has also allegedly not given them copies of their loan agreements showing the amounts''
definitely something fishy... a case for the NCR..investigations follow - up Report Abuse
Jun 20, 2012
Buc4life
MommaC
Buc4life
Morning dear.
They are all con artists. They are a giant cartel which exists to milk us as badly as the government does. The 'added' costs they slip in should be a criminal offence. Given half a chance, I'd bypass them altogether but, unfortunately, that is not possible
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...and what added costs are you referring to? Report Abuse
Jun 20, 2012
MsKinkyakaKamaSutra
@MommaC
Welcome to the real world. Trying to get paperwork out of Standard Bank is like finding hens teeth in a mielie patch.
Problem is that ALL the banks are con artists so changing banks will simply change the name of the leach.
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Morning Momma
I guess I am one of the lucky ones, I have a bond with Std Bank and I have never encountered problems. The Glen Branch is tip top when it comes to customer service (my opinion) Report Abuse
Jun 20, 2012
MommaC
Buc4life
All of the added costs. You get nothing for nothing from the banks Report Abuse
Jun 20, 2012
amdigon11
@ Bucs4life
Good Morning All
Ppl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow
i doubt the bank would charge interest of +-400%. take the case of the man who took a loan of R15000, he has repaid R63600 but he is told he still owes R12000. Honestly, does that sound right to you? Report Abuse
Jun 20, 2012
MommaC
MsKinkyakaKamaSutra
Hey doll,
I'm also with Standard. It took me two years to get the papers for the insurance out of them. It took me another two years of fighting and I still don't have my registration papers from them. As for the ordinary banking costs - don't get me started! Report Abuse
Jun 20, 2012
Socrates
@ngutha..please tell me where you got other codes, because i am paying R5990 for the same family setting a month, yes only if i can proof that i have another medical aid i can leave my employer's choice
MsKinkyakaKamaSutra
What a coincidence that Standard Bank is alo managing ABI's provident fund..........
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Hello dear
These practice happens all the time. The bank that manages the pension/provident funds will conclude an agreement with that company for their emplyees to apply for loans in that bank against their pension/provident funds. This is dangerous because failure to pay, can result in that pension/provident fund not being paid out. Question is why would anyone in their right mind want borrow against their pension or provident fund?
The problem is not the bank but its employees. Did you read the story where the bank teller defrauded the madala thousand of rands? He went to the bank and they denied the responsibility.
My urgument here is that bank employees may have defrauded these people. Its easy if you know that you are dealing with illeterate people and you are colluded with the payroll personnel.
@buc4life
you are kidding aren't you banks don't tolerate corruption girl you are funny hahahahahaha Report Abuse
Jun 20, 2012
Buc4life
amdigon11
@ Bucs4life
Good Morning All
Ppl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow
i doubt the bank would charge interest of +-400%. take the case of the man who took a loan of R15000, he has repaid R63600 but he is told he still owes R12000. Honestly, does that sound right to you?
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Assuming that interst rate is 30%, and assuming that consumer`s payment period is 60 months. then, yes, it is possible that all along he has been paying interest, not the capital amount. So, yes it is possible that he has repaid that amount. That is why a customer must think before taking out loans. These are short-term loans, ans are expensive. They are not mortgages/bonds. Report Abuse
Jun 20, 2012
Keafixa
@zoolo
u are rite cos u didn't even bother to read this story Report Abuse
Jun 20, 2012
Buc4life
lindsay
@buc4life
you are kidding aren't you banks don't tolerate corruption girl you are funny hahahahahaha
Report Abuse
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Trust me. Banks do not tolerate corruption. Take it from me. Report Abuse
Jun 20, 2012
Dzel
This story does not make sense; no bank will advance a loan to a party other than the principle party. Pension backed loans though entered into through the employer remain an agreement between the individual and financial institution therefore no one can request an advance on behalf of the primary account holder. I don’t think we have been given all the facts to reach a conclusion therefore one cannot comment based on what has been provided.
I have had the opportunity to deal with media queries and can tell you that the media often requests comment after they have decided how they are going to pitch the story so the institution looks bad.
The problem is not the bank but its employees. Did you read the story where the bank teller defrauded the madala thousand of rands? He went to the bank and they denied the responsibility.
My urgument here is that bank employees may have defrauded these people. Its easy if you know that you are dealing with illeterate people and you are colluded with the payroll personnel.
Just considered that.
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Dont know the story, so I cant say much. Report Abuse
Jun 20, 2012
Buc4life
Dzel
This story does not make sense; no bank will advance a loan to a party other than the principle party. Pension backed loans though entered into through the employer remain an agreement between the individual and financial institution therefore no one can request an advance on behalf of the primary account holder. I don’t think we have been given all the facts to reach a conclusion therefore one cannot comment based on what has been provided.
I have had the opportunity to deal with media queries and can tell you that the media often requests comment after they have decided how they are going to pitch the story so the institution looks bad
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Morning.
100%. Ppl forget that we deal with the media, and they tend to blow things out of proportion. Report Abuse
Jun 20, 2012
MD1
OMG !!!!!!!!!!!!! And so the true comes out..Standard Bank says " we dont believe in sneaky charges" as per there ad..LOL !!! Really ??? They have to pay for that ads somehow..LOL !!! then you have that ad..the lady that says "I want to thank Standard Bank for everyfing"..LOL !!! or the guy that says " when they opened the door..they just dived into the snow(their trip to Switzerland)"..I know this has nothing to do with the story..BUT hey..I use to bank with Standard Bank..and the best move I EVER did was going to FNB !!!!! Report Abuse
Jun 20, 2012
Maths2
How can you pay R1200 every month from 2001 till now I suppose, but still owe R90000, on estimation if he is still paying, they got roughly R158000 from him for R60000, maybe they charged you 150% interest. Report Abuse
Jun 20, 2012
MBADO1
in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan) Report Abuse
Jun 20, 2012
MsKinkyakaKamaSutra
@Buclife
Happy Wednesday
Dont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
For people lending money againt the privident fund - desperate time calls for desperat measures (we cant judge)
@Sowetan, please bring us the story about JZ and the province that wants his to pay for his wi.ves Report Abuse
Jun 20, 2012
Buc4life
MommaC
Buc4life
All of the added costs. You get nothing for nothing from the banks
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I do not agree with you. Someone like you who have access to the internet, cellphone banking and all the fancy staff, pays very little in bank fees. The problem in our country is that the majority of the ppl have no access to such, and they prefer to interact with the physical person in a bank. That increases costs. Report Abuse
Please do not generalize. Many people are forced to take some these deals.
I am also in the same situation. My employer forces us to take medical aid from his "preferred" insurer. I am paying R2 300 to cover my wife and 2 kids. This is way too much.
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Firstly a loan and a medical aid is not the same thing so separate the two.
Secondly there are some products where the employer will insist you take and there is some logic behind that. Banks for example will insist you open an account with them as they employ you but that is because of payroll, they can pay all employees across the continent with one batch run so it makes sense. The same goes with medical aid, it is easier to manage when all salary deductions are paid to one party rather than multiple recipients some of whom may not be up to scratch.
A loan however is totally different, the contracting parties are the financial institution and employee, the employer provides a platform which the bank can use to get customers and in return they can negotiate discounts for their employees that they would not get had they applied for the product from a branch for example. It is a win-win situation for all concerned that is how pension backed loans work.
If you understand the mechanics then it is easy to understand why this story is highly suspect.
I guess if it has happened to you you wont believe it,thats how people are.I say let the Hawks investigate Report Abuse
Jun 20, 2012
Proffesor
Hehehehe this is a joke really..... " l Dan Makapela took a loan of R15000 in 2002 and has to date repaid R63600 in installments of R530 a month. He still has R12000 to pay." - paying R63 600 FROM R15 000 is just madness..... Report Abuse
Jun 20, 2012
Dzel
MsKinkyakaKamaSutra
Dont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
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The story does not say Std Bank oversees the provident fund, it says the employees used the fund as security. Big difference.
Dont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
For people lending money againt the privident fund - desperate time calls for desperat measures (we cant judge)
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Remember that the provident fund will actualy be overseen by the company`s pension administrators. In most cases, this a company on its own. My pension company does not know my financial status. They only draw pension from my salary.
You see that is why we S Africans get into trouble, because we do not SAVE. Why would you borrow money to get married; nogal you borrow against your provident fund? That does not make financial sense.
I think all these banks should be investigated. I discover that I am being charged interest and jet I am paying the loan every month. When I asked they said they are going rectify it. They are not going charge me much interest anymore. Report Abuse
Jun 20, 2012
Karabz
This is really bad, I say the Hawks should be called, or let 3rd degree deal with the bank. Report Abuse
Jun 20, 2012
Curry
I wish there was some kind of an institution linked to the unions that can protect the people from banks, insurance companies and cellphone companies Report Abuse
Jun 20, 2012
Mas-culin
It is very important to read every details before signing the contract. Sad...
MBADO1
in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan)
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That’s what I thought too, but it is possible the loans were extended prior to the act coming into effect. These were taken in the early 2000s.
I pay very little in bank fees?
Gods forbid !!!!!
At an average of R900 a month it is NOT what I would consider 'little' Report Abuse
Jun 20, 2012
Buc4life
MBADO1
in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan)
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Im not familiar with that act, but if the contract of sale stipulates that pension fund can be used as security and the customer signs, then the deal is concluded. Report Abuse
Jun 20, 2012
mathopeed
why their employer (ABI) dont subsidise its employee mara. This banks are no good, thats the reason why my relationship with banks is when i withdraw on ATM fela. Report Abuse
Jun 20, 2012
Dzel
MBADO1
in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan)
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That’s what I thought too, but it is possible the loans were extended prior to the act coming into effect. These loans were taken in the early 2000s.
My mother is having the same problem. They were dubbed by RAND WATER as the employer and SAMWU as their union to take loans from FNB and use their pensions as security. She has been paying this R50 000.00 loan for the past 6 years ! and her outstanding balance is about R14000.00 ! South African Banks are reaping us ! Report Abuse
Jun 20, 2012
Buc4life
MommaC
Buc4life
I pay very little in bank fees?
Gods forbid !!!!!
At an average of R900 a month it is NOT what I would consider 'little'
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Question is why u pay so much? I dont expect you to say, though. Report Abuse
Jun 20, 2012
amdigon11
amdigon11
@ Bucs4life
Good Morning All
Ppl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow
i doubt the bank would charge interest of +-400%. take the case of the man who took a loan of R15000, he has repaid R63600 but he is told he still owes R12000. Honestly, does that sound right to you?
.................
Assuming that interst rate is 30%, and assuming that consumer`s payment period is 60 months. then, yes, it is possible that all along he has been paying interest, not the capital amount. So, yes it is possible that he has repaid that amount. That is why a customer must think before taking out loans. These are short-term loans, ans are expensive. They are not mortgages/bonds.
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i dont know, maybe my math is not good but at 30% interest and 60 month instalments will not amount to you having to repay the bank R75 600 on a loan for R15 000. That really just doesnt add up Bucs4life. Besides that it means the client would have repaid the loan by now, its been 10 years and he is still paying an instalment of R530.
they were not even given loan agreements, which according to my understanding is something you get as sonn as your loan has been approved. Report Abuse
Jun 20, 2012
2nevvy4u
MommaC
Welcome to the real world. Trying to get paperwork out of Standard Bank is like finding hens teeth in a mielie patch.
Problem is that ALL the banks are con artists so changing banks will simply change the name of the leach.
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Im with you on that one,the thing is its not only the banks who are ripping people off even the furniture stores are killling people phela almost all the furniture stores are under cash loans.So people must lay-bye instead of opening the account or make loans. Report Abuse
Jun 20, 2012
cocolucho
@dzel. This story still does not make sense though. How does one forget that he took another loan with the bank. This is very fishy. The maximum interest that a customer can pay is 23 percent at the moment. Their loans should have been paid off by now, why do they still have additional amounts outstanding. I suspect a bank employee or even the accountant at the firm that they are working at.
@all standard bank is 2 total rip off. I only pay R15 a month in bank fees and that includes all types of transactions. My friend who is with standard pays 6 times more than I do. Report Abuse
Jun 20, 2012
MommaC
Buc4life
99% of my money comes through as forex and travel requires forex. Report Abuse
Jun 20, 2012
Dzel
Mpharane
I think all these banks should be investigated. I discover that I am being charged interest and jet I am paying the loan every month. When I asked they said they are going rectify it. They are not going charge me much interest anymore.
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Perhaps I am misunderstanding your statement but you are charged interest on the principle amount or the amount outstanding rather, this has nothing to do with your payment profile unless you fall behind in which case the interest charged is grater but again this is linked to the outstanding amount. Interest is not a penal charge but rather the cost of the loan.
Mpharane
I think all these banks should be investigated. I discover that I am being charged interest and jet I am paying the loan every month. When I asked they said they are going rectify it. They are not going charge me much interest anymore.
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For as long as you have a loan, you will be charged interest. There is no way that interest is not going to be charged . Report Abuse
Jun 20, 2012
m'zaco'
Mornings mense!
this are depressing tidings___ we part with hard earned shillings due to these unscrupulous practices.
All banks are nothing but scumbugs including FNB....standard and Absa _ worse!! Report Abuse
Jun 20, 2012
MommaC
2nevvy4u
It gets tiresome. They don't even give a courtesy kiss before they start screwing you over. Report Abuse
Jun 20, 2012
HORATIO7
Fact is, Balck people dont read anything when it comes to the loan contracts, they just sign without reading it as long as they see money in their account then they are happy not knowing how much he/she will pay in return which may end up bwing double the initial amount and also all these sales people at the banks dont explain simple things to clients as they are just pushing for commission
Dzel
Hello there.
I think the majority of the ppl do not understand how banks operate, hence their sour relationships. I thought that the majority of bloggers here would understand since they have access to the internet, but I was wrong. Sadly, this is the picture of the entire SA. Ppl do not understand their financials. This is scary. Report Abuse
Jun 20, 2012
KAWUKHONJWA
We, black south african employees are taken for the ride day in and out both by the employers and unions. Many factors which crucial to us, black employee down played by both employer and painful so by unions. We work far from residents, transportation is dangerous & appalling, residences are shanty & congested, unhealthy indeed. The working places are stressful and yet we spend most of time work than with families.
These vultures, employers and unions of these days are plundering on the vulnerable black person in name of employee. what are corrective measures to alleviate or remedy out illness that black employee is suffering none at all, both from employer and unions. Instead these two are perpetuating exploitation of the black employees. The language is used in work place is a foreign language but black employees must sign contract documents.
good mornings @m'zaco',my auspicious friend with conspicuous claws or flaws, yes indeed ...these are unscrupulous practices of chronological tidings and practices kikikik :-) Report Abuse
Jun 20, 2012
swona
I bought my house for R450 000 in 2001, I am still owing the bank the same amount today, and according to my calculations, I already paid more than half a million, does it mean that i will end up forking out a million for a house less than half a million? dont understand how banks do their maths! Report Abuse
Jun 20, 2012
MBADO1
@dzel
i thought section 37D has been there for all along, unless i have been following. i will need to check. it's possible that these chaps took these loans as for housing and they used them for something else Report Abuse
Jun 20, 2012
Dzel
cocolucho
@dzel. This story still does not make sense though. How does one forget that he took another loan with the bank. This is very fishy. The maximum interest that a customer can pay is 23 percent at the moment. Their loans should have been paid off by now, why do they still have additional amounts outstanding. I suspect a bank employee or even the accountant at the firm that they are working at.
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One does not forget taking out a loan and surely there is an audit trail and that is what the reporter was supposed to wait for. The figures don’t make sense meaning there must have been multiple draws against the accounts. One of Std Bank’s lending product is RCP (revolving credit plan) which means you can keep on drawing against the account so long as you don’t go above the limit and clearly if you keep on drawing against the loan your principle amount remains high. As far as I am aware other lending products do not allow you to draw against the loan so the first step should have been investigating the product type and what rules govern that, I see no mention of that in the article.
The next thing should have been to investigate how were the subsequent amounts advanced, by law the bank is required to keep these documents for as long as the loan remains effective. Then there is the little fat that the loan must have been paid to someone, which accounts were the amounts paid to and who do these accounts belong to.
It is for this reason that I say this is poor journalism; they focused on the sensational staff and did not ask or answer basic questions that should be asked by anyone covering a story like this.
Good Morning All
Ppl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow
i doubt the bank would charge interest of +-400%. take the case of the man who took a loan of R15000, he has repaid R63600 but he is told he still owes R12000. Honestly, does that sound right to you?
.................
Assuming that interst rate is 30%, and assuming that consumer`s payment period is 60 months. then, yes, it is possible that all along he has been paying interest, not the capital amount. So, yes it is possible that he has repaid that amount. That is why a customer must think before taking out loans. These are short-term loans, ans are expensive. They are not mortgages/bonds.
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i dont know, maybe my math is not good but at 30% interest and 60 month instalments will not amount to you having to repay the bank R75 600 on a loan for R15 000. That really just doesnt add up Bucs4life. Besides that it means the client would have repaid the loan by now, its been 10 years and he is still paying an instalment of R530.
they were not even given loan agreements, which according to my understanding is something you get as sonn as your loan has been approved.
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Think of it this way, if the customer repays R530 on the amount of R15 000, it means his repayment period is 48 months or more. that is why instalment is low. If that is the case, it means, he is paying off intesrest before he even touches capital. Rather pay more monthly for interest to be low.
Std Bank are the greediest con merchants. Report Abuse
Jun 20, 2012
Dzel
MBADO1
@dzel
i thought section 37D has been there for all along, unless i have been following. i will need to check. it's possible that these chaps took these loans as for housing and they used them for something else
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You are supposed to provide proof even when the money is going to be used for extensions. Proof in the form of a plan, quotations for materials, etc.
Karabz
This is really bad, I say the Hawks should be called, or let 3rd degree deal with the bank.
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Speak Out, would also be highly recommended. Report Abuse
Jun 20, 2012
2nevvy4u
truthhurt
Karabz
This is really bad, I say the Hawks should be called, or let 3rd degree deal with the bank.
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Speak Out, would also be highly recommended.
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or friends like this will also be recommended Report Abuse
Jun 20, 2012
ThirdEye
I never like Standard Bank, this is day light robery. Report Abuse
Jun 20, 2012
Buc4life
I m shaken by some of comments here. It is OK to criticise but get to understand what you are criticising.
why did they wait so long b4 raising this issue, payback time 4 them.
wish I could be them , Yaz Report Abuse
Jun 20, 2012
Lehido
The problem is not with the bank themselves sometimes, its the people who work within the banks.....Whatever is the bank's systems is correct, because it's a trusted source of info.....So, Someone fiddled with the system, and took out monies using the poor people's names, so, they need to find the culprits and bring them to book..... Report Abuse
Jun 20, 2012
Maezizsto4Sure
MBADO1
in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan)
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Employees are allowed to borrow against their pension.There are various financial institutions that have agreements with various companies to enable employees to borrow against their pensions broer. Report Abuse
Jun 20, 2012
Mnyakazo258
Only if you knew ngo Mashonisa in ekasi nothing like this would have happen....Next time learn to run away from the banks and go to the loan sharks ( kasi maffias)...lol Report Abuse
Jun 20, 2012
WarrenG
Still we pay for DEPOSITS, and transactions from our own banks ATM!!! This is wrong wrong wrong. Look at your statement 1) Facility fee 2) Maintinence fee 3) Transaction fee...
This is the most expensive banking in the world. But we're all too complacent. I've been fighting it for years. But no one seems to care. Speak up South Africa! Report Abuse
Jun 20, 2012
chipshot
Curry
I wish there was some kind of an institution linked to the unions that can protect the people from banks, insurance companies and cellphone companies
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should stand up & fight for your rights yourself, can't trust any1 especially whe it comes to me so I diagree.
over and above was told by my financial aviser 2 invest my money R3K with him of which I did but He failed to mention the commission only to find out z 3% and told him I want my money back in full,he is busy sorting out as we speak,,,andifuni keqhelwa mna Report Abuse
Jun 20, 2012
dimpho_4U
@chipshot hhahahaha..sort him out :-) Report Abuse
Jun 20, 2012
Buc4life
WarrenG
Still we pay for DEPOSITS, and transactions from our own banks ATM!!! This is wrong wrong wrong. Look at your statement 1) Facility fee 2) Maintinence fee 3) Transaction fee...
This is the most expensive banking in the world. But we're all too complacent. I've been fighting it for years. But no one seems to care. Speak up South Africa!
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Why are u depositing when u can transfer? I hope you are not comparing SA to developed nations? Report Abuse
Jun 20, 2012
Master_Mind
Personally I feel Banks are not properly regulated, what we need is a limit to what the bank can make on a loan in terms of returns. There should be a regulation that says if you lend someone R20, you are capped to double the amount they took, meaning guys who took R60 000 can not pay the bank a cent more than R120 000. In this case is a win win situation. Report Abuse
Jun 20, 2012
Dzel
swona
I bought my house for R450 000 in 2001, I am still owing the bank the same amount today, and according to my calculations, I already paid more than half a million, does it mean that i will end up forking out a million for a house less than half a million? dont understand how banks do their maths!
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But this is where financial literacy is important. You need to understand the concepts of amortisation, compound interest and how your payment is split towards the interest on the outstanding amount and repayment against the principle amount. You also need to understand how charges like initiation fees add to the debt and that amount is also amortised over the life of the loan.
A quick calculation on a debt of R 450k assuming a repayment term of 20 years (240 months) and an interest rate of prime +1 currently at 10%. Based on these assumption your repayment amount is R 4,342.60 meaning the total interest you will pay over the life of the bond is R 592k meaning over 20 years you would have paid R 1,042m. After 10 years the total amount repaid is R 522k, only a fraction of this would have gone towards the principal debt.
As had as it is to accept the figures make sense swona, we need to understand what we are getting ourselves into when taking a loan. Unfortunately most people don’t, this is where the trouble starts.
I know that Ngutha Medical Aid ' my employer too forces us to join its scheme if u join the company unless if you join the company married & belong to your spouses's fund but it is useless, and funds finishes early before year end.... these employer (Coca cola) and bank have an agreement they eat together Report Abuse
Jun 20, 2012
Buc4life
Master_Mind
Personally I feel Banks are not properly regulated, what we need is a limit to what the bank can make on a loan in terms of returns. There should be a regulation that says if you lend someone R20, you are capped to double the amount they took, meaning guys who took R60 000 can not pay the bank a cent more than R120 000. In this case is a win win situation.
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U do not have to pay R120 000 even. U can pay less if u think properly before taking the money. So, it still is a win-win. Report Abuse
Jun 20, 2012
m'zaco'
dimpho_4U
good mornings @m'zaco',my auspicious friend with conspicuous claws or flaws, yes indeed ...these are unscrupulous practices of chronological tidings and practices kikikik :-)
================
yes!....
*conspicuous flaws_ Do not claw!!...u will evade them....kikikiki!!""" unless one is foolish enough...
anyways! i see life is treating you well, TEAMwin....:) Report Abuse
Jun 20, 2012
cocolucho
@all.
I have just done some calculations regarding the guy that is paying the R1077 installment a month. Assuming that the loan was for a 10 year period then he is paying an effective rate of 51% interest, and his interest payment would be R105226, the total payment at the end would amount to R130226. However if it was a loan repayable over 5 years then his interest would be 46%. Such a rip off if you ask me. Report Abuse
Jun 20, 2012
Dzel
swona,
Another calculation:
After 10 years assuming the same variables as the answer above after 120 months (10 years) R 2,751.67 of the R 4,342.60 installment will go towards the interest, R 1,590.93 towards repayment of the principle debt and your balance should be R 328,608.87.
The figures will not be exactly the same as you have initiation fees to consider, insurance on the building itself and life cover which are both compulsory but your balance should be around that figure.
get someone who understands finance to do the actual calculations for you, only then can you tell if you are being ripped off but again I assume no further advances were taken again the loan and that you are on a fixed rate.
Too many loopholes in this Story
Does the Journo even know how Interest Payments are Calculated???
I always tell my friends that when you see a house going for around R800k just know it will cost you well over a Million... Report Abuse
Jun 20, 2012
MsKinkyakaKamaSutra
@MsKinkyakaKamaSutra
Dont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
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The story does not say Std Bank oversees the provident fund, it says the employees used the fund as security. Big difference.
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From the Story:
Standard Bank administers the provident fund scheme for Amalgamated Beverages Industry, a soft drink division of South African Breweries and distributors of Coca-Cola brands.
Not unless my English comprehension is ABET standard
I have just done some calculations regarding the guy that is paying the R1077 installment a month. Assuming that the loan was for a 10 year period then he is paying an effective rate of 51% interest, and his interest payment would be R105226, the total payment at the end would amount to R130226. However if it was a loan repayable over 5 years then his interest would be 46%. Such a rip off if you ask me.
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The figures don’t make sense. Pension backed loans are charged at a much lower rate, a rate that is prime + with 500 basis points being a lot and the reason is this is a secured loan where the pension is used as surety. Plus because this is scheme interest is negotiated at a scheme level so one’s credit scoring is not a factor so interest should be prime +2 or +3 hence I am convinced we are not told the full story. If figures provided are true then there were multiple draws against the loan the question is how and to whom. That is what the story should have focused on.
Unsecured loans are charged at a much higher rate because you are pricing for the risk but even then interest is in 20th percentile, not 46% unless you got your loan from umashonisa.
From the Story:
Standard Bank administers the provident fund scheme for Amalgamated Beverages Industry, a soft drink division of South African Breweries and distributors of Coca-Cola brands.
Not unless my English comprehension is ABET standard
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My apologies, you are right the story says so but in reality trustees administer a fund and the money is invested with the banks who in turn will go to the stock exchange and put together a trading portfolio on behalf of the company.
@Dzel
Spot on Brother. Thats why some of us insist on Calculating Manually with the Sales Person at the Bank. I go there with my own calculations and my Financial Calculator and the Sales Person must show me manually. Report Abuse
Jun 20, 2012
cocolucho
@dzel.
Please note that I made some assumptions there regarding the payback period of the loan. The guy was paying R12924 per annum or 1077 per month, so i'm not sure how long the loan was for, but based on my calculations if it was a 10 or 5 year loan then that is the effective rate of interest that he is paying Report Abuse
Jun 20, 2012
SeshegoGuY
@CocoLucho
Most banks charge their loans nominal interest rate so that it is compounded monthly and they will milk you nicely in that way. Most Credit Cards are charged at 23% interest rates Report Abuse
Jun 20, 2012
MsKinkyakaKamaSutra
@Dzel
@MsKinkyakaKamaSutra
Dont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
++++++++++++++++++++++++++++++++++++++++++++++++++++++++
The story does not say Std Bank oversees the provident fund, it says the employees used the fund as security. Big difference.
**************************************************************************************************************
From the Story:
Standard Bank administers the provident fund scheme for Amalgamated Beverages Industry, a soft drink division of South African Breweries and distributors of Coca-Cola brands.
Not unless my English comprehension is ABET standard
Please note that I made some assumptions there regarding the payback period of the loan. The guy was paying R12924 per annum or 1077 per month, so i'm not sure how long the loan was for, but based on my calculations if it was a 10 or 5 year loan then that is the effective rate of interest that he is paying
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I know, I am not disputing your figures. What I am saying is the figures don't make sense hence there is something we are not being told here.
SeshegoGuY
@Dzel
Spot on Brother. Thats why some of us insist on Calculating Manually with the Sales Person at the Bank. I go there with my own calculations and my Financial Calculator and the Sales Person must show me manually.
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LOL.....O tjo gore o sebedisa le menwana
Spot on Brother. Thats why some of us insist on Calculating Manually with the Sales Person at the Bank. I go there with my own calculations and my Financial Calculator and the Sales Person must show me manually.
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O sokodisa bana ba batho. Most front-line staff cannot breakdown the calculations largely because they don't understand them. I do my own calculations and reconcile everything hence I end up going to the institution saying your figures are wrong and I can back that statement up.
Same thing with other outlets though, at Macro for example you will get someone who does not know the difference between a standard USB port / cable, a mini USB and a micro USB. I am the type who goes to the shop and will tell you I am looking for a 3.5mm jack cable male to male 1.5m long, I expect the sales man to understand that is the cable you use to connect a phone / iPod to a car stereo system to play music and it must be a meter and a half long. Very specific instructions and if you know what you are selling then you should be able to get it for me, instead I get blank looks in return.
Best to do your calculations first that way you can tell when you are being ripped off. Recently when shopping for tyres the shop owner and his employees were shocked when I took off my phone, scanned the bar code so I know what the average price of the item is and what should I be paying.
LOL
Now we know where all the Standard Bank staff are whilst we are waiting in lines. They are on Sowetan comments section
*wink* Report Abuse
Jun 20, 2012
dimpho_4U
m'zaco'
dimpho_4U
good mornings @m'zaco',my auspicious friend with conspicuous claws or flaws, yes indeed ...these are unscrupulous practices of chronological tidings and practices kikikik :-)
================
yes!....
*conspicuous flaws_ Do not claw!!...u will evade them....kikikiki!!""" unless one is foolish enough...
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noh hai comrade zaco,re a boleka botselo bo,kea bona winter e o tswere hantle le wena..,o be letsatsi le monate wa utlwa hee__ Report Abuse
Jun 20, 2012
dimpho_4U
MommaC
LOL
Now we know where all the Standard Bank staff are whilst we are waiting in lines. They are on Sowetan comments section
*wink*
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hahahahah ,Standard Bank is in big Ish *just made my day* lol Report Abuse
Jun 20, 2012
Dzel
MommaC
Now we know where all the Standard Bank staff are whilst we are waiting in lines. They are on Sowetan comments section
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LOL. Let's put it this way, Standard Bank was one of the companies that offered me a bursary to go to varsity. I ended up choosing them over Eskom and Anglo, my first job was with the company and that is where I learnt my trade.
My comments though are influenced by my knowledge of financial markets and common sense, not a misguided loyalty to the company.
This guys are being ripped off big time and whosoever is involved needs to be brought to book. I once questioned why every minute we are bombared by advertisement of loans or funeral covers. Why are we not taught to save or invest our money? Report Abuse
Jun 20, 2012
MarryMe
Who cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan, you are just going to sign, finish and klaar. After all everybody assumes the T&Cs are standard and therefore they can not be just for you alone. Report Abuse
@MarryMe, sometimes it might help you avoid unnecessary stress and loss of money,you can even ask a mediator or someone to explain your T & C's in your binding contract Report Abuse
Jun 20, 2012
2nevvy4u
@Mommac-im with you on that one again.kikikikikikikikikix98 Report Abuse
Jun 20, 2012
Dzel
MarryMe
Who cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan
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But that is the source of the problem.
Even when speaking to a tele-consultant over the phone and I am interested in the product I insist on your e-mailing me the quotation and / or T&C so I know what I am getting myself into. I refuse to enter into a verbal contract cause often you agree to a contract when not all the costs, charges and exclusions have been discussed and then you get a shock of your life when trying to claim.
Never ever enter into a contract out of desperation, know what you are getting yourself into before signing. Plus understand the product, a credit card is by design a debt trap. Stay away from such products unless you need one for things like car hire even then be prudent on how you use it, resist any temptation to increase your limit unnecessarily.
This guys are being ripped off big time and whosoever is involved needs to be brought to book. I once questioned why every minute we are bombared by advertisement of loans or funeral covers. Why are we not taught to save or invest our money?
Report Abuse
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hello M
for once, I will disagree with you. Who is responsible for teaching us to save & invest money? Report Abuse
Jun 20, 2012
Buc4life
MommaC
LOL
Now we know where all the Standard Bank staff are whilst we are waiting in lines. They are on Sowetan comments section
*wink*
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dont work for Std bank. Have sound knowledge of financial markets though. Report Abuse
Jun 20, 2012
dimpho_4U
yah @Dzel nicely put and i like what you said "resist any temptation to increase your limit unnecessarily." ---->>credit cards a no,no Report Abuse
Jun 20, 2012
LESON.1
Stay away from the Banks the banks will rip you off--------------------------- Report Abuse
Jun 20, 2012
Ann
MarryMe
Who cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan, you are just going to sign, finish and klaar. After all everybody assumes the T&Cs are standard and therefore they can not be just for you alone.
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TRUE.. Report Abuse
Jun 20, 2012
Buc4life
LESON.1
Stay away from the Banks the banks will rip you off---------------------------
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Hello Leson.
Actually, the opposite is true. Banks will help you finance ure house, car, invest, the list is endless. You have to understand that banks are not just about borrowing money. Report Abuse
Jun 20, 2012
LESON.1
@ Sowetan
Midrand Coca-cola ? You were supose to right coca-cola in Olifantsfontein ko di femeng ........(finish and klaar) Aggggg Report Abuse
Jun 20, 2012
Bizzabo
@Dzel
Can ask something privately dude? bizzabo1@gmail.com Report Abuse
Jun 20, 2012
Buc4life
Ann
MarryMe
Who cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan, you are just going to sign, finish and klaar. After all everybody assumes the T&Cs are standard and therefore they can not be just for you alone.
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TRUE..
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that is why ppl are so much in debt. They just sign, without understanding. Report Abuse
Jun 20, 2012
Dzel
Bizzabo
Can ask something privately dude
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Sure my brother, send an email to Dzel@vodamail.co.za.
Please note I am not a financial advisor therefore will only be able to assist with a general query, if you want specifics it is best to approach people who are qualified to address such queries.
i dont mean hoo tena But you seem to validate the authenticity of your belief system by other's opinions__
agg! mara no issues...
Of course Winter is best!, That matter was settled amicably_ of course somebody was hurt in the process. Now am living way better than before i could audaciously confront with no fear or favour.
Life goes on! Have a great chatting..blogging day!
conspicuous flaws litterally means * easy going, easy to live with/without*
Thank God we arent charged for blogging.....otherwise most would have sat and worked. Report Abuse
Jun 20, 2012
Dzel
LESON.1
Aagggggggggg here we go again- nyeeeee nyeeee nyeee nyeeee nyeeee
MarryMe
Who cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan, you are just going to sign, finish and klaar. After all everybody assumes the T&Cs are standard and therefore they can not be just for you alone.
----------------------
TRUE..
.......................
that is why ppl are so much in debt. They just sign, without understanding.
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the thing is if u r desperate to get cash u dont think Report Abuse
Jun 20, 2012
WarrenG
@Buc4life
I do transfer. But it's the poor folks who don't and can't who get shafted. It can be be too expensive to hold an account for them. I am talking about developed countries. Example: we pay R11 for withdaraw from own ATM in England it's free, as it is in Oz or USA or Canada. To use another banks ATM we might pay R15, in England it's R2.20. But there are many examples. We have much more expensive bank charges. I think Canada is the only other country to charge a deposit. Report Abuse
Jun 20, 2012
dimpho_4U
@m'zaco'..yes,yes my friend.. one's authenticity is meant to b analysed ,scrutinized and find a possible conclusion and yours is a false opinion, far from the truth.....well, i see you're not in a good space today,thou shall continue to work__easy goings there! Report Abuse
Jun 20, 2012
m'zaco'
people understand!
in most cases we get in to debt by desperation of circumstances__ INCLUDING the high earners, let alone The rich___ most here have some debt here and there..
i could bet that most here are simply diagnosing on the basis of self-introspection.
(prescription is one::::: vacating the planet to avoid debt..................)
What is it now, Is your mother commanding you to go clean your room bozza?
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yebo you are right - now ask yourself how is my comment any of your concern? please dnt respond please
@m'zaco'...LOL, .I'm not game for your mind stretching debates, i'm just engaging with the contents of the article and other bloggers..nna ha ke tsebe niks..ke wena o kwatileng,haketsebe o batle eng__ Report Abuse
Jun 20, 2012
Makhosini0408
Buc4life
Makhosini0408
Morning All
This guys are being ripped off big time and whosoever is involved needs to be brought to book. I once questioned why every minute we are bombared by advertisement of loans or funeral covers. Why are we not taught to save or invest our money?
Report Abuse
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hello M
for once, I will disagree with you. Who is responsible for teaching us to save & invest money?
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Hello B
I am trying to question the rationale behind the over emphasis on spending more money that one does not have as opposed to the culture of saving. In short, some of us are living comfortable on borrowed time and flash it in the name of being taken seriously that "you have arrived".
On who is supposed to be teaching us, differ from backgrounds to socio economic issues. I am simple saying a radical paradigm shift is required so that our people are warned about the pitfalls and consequences of blank cheques. If we can teach our children at a young age to start saving their pocket money, they will get used to the idea of saving. Report Abuse
Jun 20, 2012
OFFLIMITS
@SIMSWOP
You watch very heavy content.
Spread it as wide as possible. Report Abuse
Jun 20, 2012
Dzel
LESON.1
yebo you are right - now ask yourself how is my comment any of your concern? please dnt respond please
+=================================================================
Just wondering why you have not made your bed up considering what time it is now.
kikiki....haaai kunzimaaaa_
Anyways i am happy. Great day ne
*wink*
@Simswop
Good for you, some of us dont like damaged vehicles...BUY new! BUUUUUUUm endebted! Report Abuse
Jun 20, 2012
SIMSWOP
OFFLIMITS
That concept of INTEREST RATE , made me realize that we paying "air money" money that cannot be touched but circulate all over, U borrow 300k the bank already has 600k from u, so that added interest of 300 its just flowing in the air u never used it but pay back to bank
then the bank take that 300k lends to some1 else then they get another 300k "air money" from him,,,,geeeez thats a rip-off
m'zaco u right circumstances leads to hasty money lending, most here pay more than 7k p/m just for a car, thats sh1t , i put 5k every month on my trust account, so that my kids can inherit like me Report Abuse
yebo you are right - now ask yourself how is my comment any of your concern? please dnt respond please
+=================================================================
Just wondering why you have not made your bed up considering what time it is now.
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Carry on and if repsonding to my comments will make you masturbates at nite- (i dn't mind) Report Abuse
This is what we call reckless lending!! - The people are paying HIGH COMPOUNDED INTERESTS RATES!! and no one explained to them how that works. Also, we cannot rule out the possibility of fraud as the were subsequent loans which they are not aware of!! On the same breath: SA people must learn to save and stop strangling themselves with debt. How do you borrow money to pay lobola!!!?? Report Abuse
Jun 20, 2012
SIMSWOP
m'zaco'
@Simswop
Good for you, some of us dont like damaged vehicles...BUY new! BUUUUUUUm endebted!
Its all about choice - I dont invest in cars, my 2 second hand toyota riders do the job in my plot Report Abuse
Jun 20, 2012
OFFLIMITS
@SIMSWOP
Derivatives are the one instrument the big guns like The Bilderberg Group and Tri-Lateral Commission use to make generate their wealth.
They bank on ignorance, literally! Report Abuse
Jun 20, 2012
OFFLIMITS
@TheRothchilds
If you're on line. This is our type of platform. Join in if you're there.... Report Abuse
Jun 20, 2012
BiPolar
The problem in SA is that DEBT is too accessible: you start working today and earn R5000 per month, already the Creditors/Banks/Shops open their doors to offer you credit: you buy a car, food, clothes, house on credit - things you have not really earned to impress the people you do not like with the money you do not have!! If we are to have an economic shift in favour of blacks - we need to re-shuffle our priorities and avoid debt!! It is Enslaving our people!! Report Abuse
Jun 20, 2012
Dzel
LESON.1
Stay away from the Banks the banks will rip you off----
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If you want to know who the real criminals are then look no further than companies like Metropolitan that promise you an investment product that does not grow your money. Actual returns are pathetic and the bulk of your money goes into paying the costs and paying commission to the agent who sold you your policy in the first place. No it is not a once off cost, for as long as the policy exists you will forever be paying that commission. By the time you wake up and start asking questions your investment would have shrunk so your return is in negative territory plus they will charge you a lump sum to cancel your policy something like 20% of the amount invested over and above the initiation fee plus the never ending commission paid to the consultant.
You are better off putting your money into a savings account that pays 2% interest per annum, at least then it will not lose value in absolute terms.
Someone made a comment about being charged for a deposit. You need to understand that every time you use a branch you are paying for the person who is assisting you, you are paying for the equipment that allows to effect that transaction, and you are paying a portion of rental costs in financial management this is called absorption costs.
I use the internet or cellphone banking for most of my transactions (payments, transfers, etc), the ATM only when I need money (again there are costs involved and it gets a bit complicated for card transactions) and only go to the branch for transaction that require face-to-face interaction like collecting a card, signing documents, etc. Even when I had temporarily misplaced my card I preferred sending the money I needed to my phone (ewallet) and then withdrawing the cash from an ATM because it is cheaper and less time consuming, best of all I did not need a card to get the money out of an ATM.
When making a loan you must know gore o nka ya how many years and for how much. Report Abuse
Jun 20, 2012
Bizzabo
SIMSWOP
That concept of INTEREST RATE , made me realize that we paying "air money" money that cannot
m'zaco u right circumstances leads to hasty money lending, most here pay more than 7k p/m just for a car, thats sh1t , i put 5k every month on my trust account, so that my kids can inherit like me
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That is where the difference is , you had a good start, some of us had to start by saving money for your first car of which you need. Report Abuse
Jun 20, 2012
LESON.1
Dzel
LESON.1
Stay away from the Banks the banks will rip you off----
===========================================================
If you want to know who the real criminals are then look no further than companies like Metropolitan that promise you an investment product that does not grow your money. Actual returns are pathetic and the bulk of your money goes into paying the costs and paying commission to the agent who sold you your policy in the first place. No it is not a once off cost, for as long as the policy exists you will forever be paying that commission. By the time you wake up and start asking questions your investment would have shrunk so your return is in negative territory plus they will charge you a lump sum to cancel your policy something like 20% of the amount invested over and above the initiation fee plus the never ending commission paid to the consultant.
You are better off putting your money into a savings account that pays 2% interest per annum, at least then it will not lose value in absolute terms.
Someone made a comment about being charged for a deposit. You need to understand that every time you use a branch you are paying for the person who is assisting you, you are paying for the equipment that allows to effect that transaction, and you are paying a portion of rental costs in financial management this is called absorption costs.
I use the internet or cellphone banking for most of my transactions (payments, transfers, etc), the ATM only when I need money (again there are costs involved and it gets a bit complicated for card transactions) and only go to the branch for transaction that require face-to-face interaction like collecting a card, signing documents, etc. Even when I had temporarily misplaced my card I preferred sending the money I needed to my phone (ewallet) and then withdrawing the cash from an ATM because it is cheaper and less time consuming, best of all I did not need a card to get the money out of an ATM.
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Heey what is this ? do you really think for 1 bit that i have time to read this Cr@p you just published here..
(You're too obsessed for my liking.. Try Gwede Mantashe
Other companies that rip people off are furniture retailers. A small debt in the single thousands balloons into three times as much after they have charged your an exorbitantly high interest rate, included membership fees, insurance, etc into your debt and then amortise these over the life of the loan.
Banks do charge a lot but trust me they are saints compared to others.
Avoid buying clothes and furniture on credit, at least clothing shops build their interest into the price of the item so it is invisible to the consumer but furniture shops are very dangerous. If you buy from Edgars for cash you are also being ripped off as you are subsidizing those who buy on credit.
That said I need to ask Vodacom why am I paying more for calls than people on prepaid.
I wouldn't except you to read all that, you will be risking popping a vein or two. It is meant for kids who attend the higher grade class. Report Abuse
Jun 20, 2012
LESON.1
@SWEETYK
Guys
When making a loan you must know gore o nka ya how many years and for how much.
===============================================
my skatie i hope you not talking about R10 Vodacom Airtime advance....akere/ Report Abuse
Jun 20, 2012
BiPolar
@Bizzabo
SIMSWOP
That concept of INTEREST RATE , made me realize that we paying "air money" money that cannot
m'zaco u right circumstances leads to hasty money lending, most here pay more than 7k p/m just for a car, thats sh1t , i put 5k every month on my trust account, so that my kids can inherit like me
-------------
That is where the difference is , you had a good start, some of us had to start by saving money for your first car of which you need
-----------------
The spirit of competition is driving people to get loans which in turn strangle them. We are generally not a saving nation!! You start working today, in 3 months you have a car, house, furniture, wear designer clothes - all on credit!!! The whole salary goes into servicing your debt! And because some of us are not financially literate - we end up in the DEBT TRAP --- paying, paying until the Saviour comes! Report Abuse
Jun 20, 2012
LESON.1
Dzel
Aiih- jy is jajarag son - iyhooo shame Report Abuse
just did a calculation and i get what you are saying. there is however a lot of information left out in this article and its understandable why a vast majority of us are saying Standard Bank is ripping them off. For example, we dont know how much interest the client's shoulf be paying the repayment period as well as if its at a fixed interest rate or not. Report Abuse
Jun 20, 2012
SWEETYK
LESON.1
@SWEETYK
Guys
When making a loan you must know gore o nka ya how many years and for how much.
===============================================
my skatie i hope you not talking about R10 Vodacom Airtime advance....akere/
=================================================================
BiPolar
@Bizzabo
SIMSWOP
I hear you, all I am saying is if you had a good start in a form of your parents saving up for you then things would ave been different.
Anyhow I learned my lessons boss and believe me it was not easy...that was about 8 years ago when I had to pay a credit card and other useless plastic cards.
Now I dont own a single plastic card, burnt my fingers there
Aaahh wena- lunch this time- What's your recipe today ( Skhafthini of Pap and 1 packet of maggie 2 minute noodles? anyway Enjoy
=========********===========
ek se budddda/sissssssssss
if only u knew whom u talking to!............shhhhhhhhh Report Abuse
Jun 20, 2012
LESON.1
@m'zaco'
you only know her in your dreams when you drunk..... Report Abuse
Aiih- jy is jajarag son - iyhooo shame
========================================
Tlogela mona, cause wena what you know ke go shonisetsa matagwa a diset di R30.00 you don't know what to say kikikikikikikikikikiki jealousy ke mona. He is talking sense, he is a good advisor.
When making a loan you must know gore o nka ya how many years and for how much.
===============================================
my skatie i hope you not talking about R10 Vodacom Airtime advance....akere/
=================================================================
I don't know you tell me leson
=========================================
you know i'm only pulling your leg- Where is @Deovi ? we might learn 1 or 2 things from her today than batho bo go ratharatha o kare ba ntshiwa meno (haikhona man) Report Abuse
Jun 20, 2012
Buc4life
Makhosini0408
Buc4life
Makhosini0408
Morning All
This guys are being ripped off big time and whosoever is involved needs to be brought to book. I once questioned why every minute we are bombared by advertisement of loans or funeral covers. Why are we not taught to save or invest our money?
Report Abuse
///////////////////////
hello M
for once, I will disagree with you. Who is responsible for teaching us to save & invest money?
xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
Hello B
I am trying to question the rationale behind the over emphasis on spending more money that one does not have as opposed to the culture of saving. In short, some of us are living comfortable on borrowed time and flash it in the name of being taken seriously that "you have arrived".
On who is supposed to be teaching us, differ from backgrounds to socio economic issues. I am simple saying a radical paradigm shift is required so that our people are warned about the pitfalls and consequences of blank cheques. If we can teach our children at a young age to start saving their pocket money, they will get used to the idea of saving
............................
I hear u, but business will spot an opportunity to promote products. they are just doing what they have to do.
I really think that we, as in Africans, are our worst enemies. We try too hard to impress others with what we dont have. So, the paradigm shift yes, but it is up to us parents, individuals, to teach ourselves about finance. we need to start and nurture that culture of looking after our money, instead of buying till we drop, to impresss people who dont matter. Report Abuse
Aaahh wena- lunch this time- What's your recipe today ( Skhafthini of Pap and 1 packet of maggie 2 minute noodles? anyway Enjoy
--------------------------------------------
hahhaha ,dude is CRAY hey wena Leson, i told you yesterday you should consider becoming comedian kikiki :-) Report Abuse
Jun 20, 2012
nono10
they should have change their banking details when they finished paying off what they owed. Report Abuse
Jun 20, 2012
BiPolar
@Bizzabo
BiPolar
@Bizzabo
SIMSWOP
I hear you, all I am saying is if you had a good start in a form of your parents saving up for you then things would ave been different.
Anyhow I learned my lessons boss and believe me it was not easy...that was about 8 years ago when I had to pay a credit card and other useless plastic cards.
Now I dont own a single plastic card, burnt my fingers there
--------
Congratulations!! You are now a FREE Person!! I also don't have a single debt whatsoever. However, I also paid my school fees by getting my fingers burnt! I tried to keep up the appearance with the Jones' - to my detriment. Today, all the money i make is mine and i am proud that i can save and don't have creditors haunting me --- Report Abuse
Jun 20, 2012
LESON.1
SWEETYK
LESON.1
Dzel
Aiih- jy is jajarag son - iyhooo shame
========================================
Tlogela mona, cause wena what you know ke go shonisetsa matagwa a diset di R30.00 you don't know what to say kikikikikikikikikikiki jealousy ke mona. He is talking sense, he is a good advisor
=============================================
he's talking 1c sense to you not me - You sound in love now .... Report Abuse
Jun 20, 2012
m'zaco'
@comediaaaaaaaaaaaaaaaan
You have a yacky taste of comedy..........................even Nick Rabinowitz is 1203% better... Report Abuse
just did a calculation and i get what you are saying. there is however a lot of information left out in this article and its understandable why a vast majority of us are saying Standard Bank is ripping them off. For example, we dont know how much interest the client's shoulf be paying the repayment period as well as if its at a fixed interest rate or not.
///////////////
Yes, I hear you.. But, i think that ppl must just think for themselves. It goes without saying that if you repay something over a longer period, you will pay more interest.
the problem with the press is that they always want to fuel the situation up, to make someone look bad. So, I never really believe anything I read from the papers, until the truth comes out or at least before I figure it out myself. Report Abuse
Jun 20, 2012
SWEETYK
Mzansi let us save money and try by all means to buy in cash. I know we don't have money but open a 32 days account and save le R300.00 esharp for maybe two years. Ka R7200.00 you can buy something for yourself. Then if you want a car you can budget for it le ge ekaba for 5 years it's Ok unlike credit njalo nje no no no. Report Abuse
Jun 20, 2012
LESON.1
@Dzel
@Leson,
he's talking 1c sense to you not me - You sound in love now ....
=============================================
Even if that were true how is it any of your concern kind sir?
============================================
Cos you G@y and SOMIZI will not like it at all.... Jy hoer Report Abuse
Jun 20, 2012
LESON.1
@m'zaco'
Wena you looking for love on sowetan that's all - gud luck Report Abuse
Jun 20, 2012
SWEETYK
eKapa
hello Sweetk
=========================
Hello my love how are you doing it today? Report Abuse
Jun 20, 2012
dimpho_4U
LESON.1 please stop smoking those dried tea bags in the morning LOL o tlo re photela ka moo. Report Abuse
Jun 20, 2012
m'zaco'
@lesson
bathong.............
why do you think so?? very perculiar observation__ expound Report Abuse
Jun 20, 2012
BiPolar
@Buc4life
I hear u, but business will spot an opportunity to promote products. they are just doing what they have to do.
I really think that we, as in Africans, are our worst enemies. We try too hard to impress others with what we dont have. So, the paradigm shift yes, but it is up to us parents, individuals, to teach ourselves about finance. we need to start and nurture that culture of looking after our money, instead of buying till we drop, to impresss people who dont matter.
--------
You are singing my tune!! The sad part is that as Africans we are a consuming nation!! We do not invent or manufacture most of the things we buy with our money - we are enriching caucasian capitalists or of other colour. Adding salt to injury: we consume on credit!! and this turns us into Economic Slaves!! Report Abuse
Jun 20, 2012
dimpho_4U
LESON.1
@m'zaco'
Wena you looking for love on sowetan that's all - gud luc
-----------------------------------
hahahaha *dying* Report Abuse
Jun 20, 2012
SWEETYK
LESON.1
SWEETYK
LESON.1
Dzel
Aiih- jy is jajarag son - iyhooo shame
========================================
Tlogela mona, cause wena what you know ke go shonisetsa matagwa a diset di R30.00 you don't know what to say kikikikikikikikikikiki jealousy ke mona. He is talking sense, he is a good advisor
=============================================
he's talking 1c sense to you not me - You sound in love now ....
===========================================================
That 1c sense makes me think 1million time before taking a credit. Yes I'm in love you know mooss, and I will talk about the person sick ela ya gago ya mona e be e thoma akere? Report Abuse
Jun 20, 2012
Buc4life
m'zaco'
people understand!
in most cases we get in to debt by desperation of circumstances__ INCLUDING the high earners, let alone The rich___ most here have some debt here and there..
i could bet that most here are simply diagnosing on the basis of self-introspection.
(prescription is one::::: vacating the planet to avoid debt..................)
let a debt freee person dispute my point of view.
@buclife, How are you!!
...............
Mzaco. Im fine., and u
@dimpho
wa e bona comedian ye ya hao??...........ya nsokela!
@Buclife
i am happy My sister and you...i see many need you views___ happy to hear from you.
@lesson
kikikiki...waiting for you response regarding that observation you posed....kwakwakwa, Nna mara!! Tjoo Report Abuse
Jun 20, 2012
OFFLIMITS
Buc4life
"and this turns us into Economic Slaves!!"
.............
This is what has left Economic Hitman panting to the point of drooling. We've welcomed their capitalist ways with open-arms by the way we conduct our finances. Report Abuse
Jun 20, 2012
eKapa
SWEETYK
eKapa
hello Sweetk
=========================
Hello my love how are you doing it today?
~~~~~~~~~
in doing fine ma luv, jst that its freezng down here also my *** is losing its size ya shrinka and i dont hav a talking steam iron to bring it back to normal size.
bathong.............
why do you think so?? very perculiar observation__ expound
================================
Your comments are trying to charm 1 person and believe me you need to act fast before sowetan blocks you..
Big up my brother (I meant). Hei segowa le sona sorry for my engrish. Report Abuse
Jun 20, 2012
LESON.1
@dimpho_4U
LESON.1 please stop smoking those dried tea bags in the morning LOL o tlo re photela ka moo.
=====================================================
did i offended you? if you looking for advise we do have some specialist here- you can make friends it is for free..... Report Abuse
Aiih- jy is jajarag son - iyhooo shame
========================================
Tlogela mona, cause wena what you know ke go shonisetsa matagwa a diset di R30.00 you don't know what to say kikikikikikikikikikiki jealousy ke mona. He is talking sense, he is a good advisor
=============================================
he's talking 1c sense to you not me - You sound in love now ....
===========================================================
That 1c sense makes me think 1million time before taking a credit. Yes I'm in love you know mooss, and I will talk about the person sick ela ya gago ya mona e be e thoma akere?
======================================
Like i said to YOU NOT ME--
His comments di nale after taste more like Grand- Pa (powder) Report Abuse
Jun 20, 2012
SWEETYK
eKapa
SWEETYK
eKapa
hello Sweetk
=========================
Hello my love how are you doing it today?
~~~~~~~~~
in doing fine ma luv, jst that its freezng down here also my *** is losing its size ya shrinka and i dont hav a talking steam iron to bring it back to normal size.
Kikikikikikikikiki o thomile akere kwakwakwakwaaa I'm imagining things now kikiikikikikikiki I like it shooo at long last ka be ka tshega.
Take a kettle and boil water, remove the lid and you know mosss squad it will retain its size O SELE maaaan.
Not that bad, is not that cold today love. Report Abuse
Jun 20, 2012
dimpho_4U
hai nna @LESON.1 ha ke tsebe niks....sala le tsona ditaba tsa hao... Report Abuse
Jun 20, 2012
Buc4life
WarrenG
@Buc4life
I do transfer. But it's the poor folks who don't and can't who get shafted. It can be be too expensive to hold an account for them. I am talking about developed countries. Example: we pay R11 for withdaraw from own ATM in England it's free, as it is in Oz or USA or Canada. To use another banks ATM we might pay R15, in England it's R2.20. But there are many examples. We have much more expensive bank charges. I think Canada is the only other country to charge a deposit.
....................................
It is expensive to run a bank in this country, I agree. But, i think some costs can be justified. Deposit fees are related to security. Someone has to physically handle that cash. So, risk is high in this country- due to crime. Other bank charges for example, if u transact inside the bank, you are charged more. Reason is that it takes more manpower for you to be assisted. this makes sense, cause if you look at customers at the lower end of the scale, they always charged more because they always want to go inside to bank- there are alternatives. Cellphone banking is accessible to any cellphone user, and it us free with some banks.
So you cannot compare developed to developing countries. They are not the same.
=============================================
he's talking 1c sense to you not me - You sound in love now ....
===========================================================
That 1c sense makes me think 1million time before taking a credit. Yes I'm in love you know mooss, and I will talk about the person sick ela ya gago ya mona e be e thoma akere?
======================================
Like i said to YOU NOT ME--
His comments di nale after taste more like Grand- Pa (powder)
=================================================
Mona o bodisa kelello mfana, you have a huge problem le this guy I don't know gore o mmatla eeeng? Report Abuse
Jun 20, 2012
BiPolar
@OFFLIMITS
Buc4life
"and this turns us into Economic Slaves!!"
.............
This is what has left Economic Hitman panting to the point of drooling. We've welcomed their capitalist ways with open-arms by the way we conduct our finances.
---------
We will not make any impact if we continue to live under the caucasian 'capitalism' ways - it will take us the black majority who are mostly the victims to wake up and CHANGE our relationship with money and avoid debt at all cost! -- (Financial) Education is CRITICAL to set people free economically - and that is true freedom! If we were enriching other blacks with this credit - it will be another thing!! Other races hardly buy from black-owned businesses!! Show-off which is directly linked to credit - is killing our nation. Report Abuse
Jun 20, 2012
LESON.1
m'zaco'
@leson
who is that Lucky person!!!!.....?
kikikikikikikiki.........
================================
Lucky person are you kidding me ??????? if she can meet you face to face - she will run away but if you did managed to get that license for being that ugly- it might work Report Abuse
Jun 20, 2012
m'zaco'
@dimpho_4U
hai nna @LESON.1 ha ke tsebe niks....sala le tsona ditaba tsa hao...
==========
kwakwakwakwa..........dimpho, wait!! he doesnt mean you...haau, he hasnt said any name!
ha itse nthoe a buang ka yone....
kwakwakwakwa!
definitely he doesnt mean you or buclife__ only ladies i spoke to... Report Abuse
Jun 20, 2012
dimpho_4U
@m'zaco' "brother" o buang ka eng jwale..ke bual LESON.1 ignore this puppy...wa rata ho provokana Report Abuse
Jun 20, 2012
m'zaco'
LESON.1
kikikikikiki..............
u mean ek is baie lelik ne??? gee my jou email...laat ek my foto stuur! ek lyk soos my afataar...................
wie is die wffie want jy praat van?........kwakwakwakwakwa Report Abuse
Jun 20, 2012
SWEETYK
@ Leson1
Let's give credit were is due papa and o tlogele go ba le kwaaal hahahahahahaha kkikikikikikikikiki Solly Vista and Mzekezeke will tell you gore tlogela kwaaal boootthhh hayi maan booossss. Report Abuse
Jun 20, 2012
SIMSWOP
Dont let your wealth(net value) be on negative (R-) amount
Let your Assets be 5 times more than your Liabilities Report Abuse
Jun 20, 2012
LESON.1
@dimpho_4U
hai nna @LESON.1 ha ke tsebe niks....sala le tsona ditaba tsa hao...
=====================================
if you looking for advise on how to
1. recharge airtime
2. pay your traffic fines
3. buy a metro rail monthly, single, return, weekly tickets what so ever talk to @Dzel the list goes on adn on and on ------ke specialist Report Abuse
Jun 20, 2012
SWEETYK
dimpho_4U
hai nna @LESON.1 ha ke tsebe niks....sala le tsona ditaba tsa hao...
======================================================
I told you two weeks back that o rata go votha. Kikikikikiki Report Abuse
@leson
wa utlwa gathwee o ntjanyana......kikikiki
Puppy is not the name of a doll buddy! means small dog.........doggie!! kwakwaaaaaaaaa Report Abuse
Jun 20, 2012
LESON.1
@SWEETYK
@ Leson1
Let's give credit were is due papa and o tlogele go ba le kwaaal hahahahahahaha kkikikikikikikikiki Solly Vista and Mzekezeke will tell you gore tlogela kwaaal boootthhh hayi maan booossss.
==========================================
You now starts to sound like a kwaito artist - when is your solo album coming out ? Report Abuse
Jun 20, 2012
malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA Report Abuse
Jun 20, 2012
eKapa
SWEETYK
eKapa
SWEETYK
eKapa
hello Sweetk
=========================
Hello my love how are you doing it today?
~~~~~~~~~
in doing fine ma luv, jst that its freezng down here also my *** is losing its size ya shrinka and i dont hav a talking steam iron to bring it back to normal size.
Kikikikikikikikiki o thomile akere kwakwakwakwaaa I'm imagining things now kikiikikikikikiki I like it shooo at long last ka be ka tshega.
Take a kettle and boil water, remove the lid and you know mosss squad it will retain its size O SELE maaaan.
Not that bad, is not that cold today love
~~~~~~~~~~~~~~~~~~~~~~
dont judge me nhe, im NOT that kind of a person but think i must go and buy mag*sha jst to give me BJ to steam it to the normal size, im very worried ka yona maan...eish
I told you two weeks back that o rata go votha. Kikikikikiki
+++++++++++++++++
u r very dom wena.........you are only here for 1 week.......so how could you have told her that 2 weeks ago...? Report Abuse
Jun 20, 2012
LESON.1
m'zaco'
LESON.1
kikikikikiki..............
u mean ek is baie lelik ne??? gee my jou email...laat ek my foto stuur! ek lyk soos my afataar...................
wie is die wffie want jy praat van?........kwakwakwakwakwa
===============================
For me to see your foto - i will need to use my magnifying glass... Report Abuse
Jun 20, 2012
BiPolar
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!! Report Abuse
@leson
wa utlwa gathwee o ntjanyana......kikikiki
Puppy is not the name of a doll buddy! means small dog.........doggie!! kwakwaaaaaaaaa
================================================================
Kikikikikikikikiiiii kwakwkawkawkaawaaakwakwakwkawka ncsissssss ha diba lona ppppppppp ncssssss. Kikikikikikikikikikiki top dog ntja e kgolo. I love this. Report Abuse
Jun 20, 2012
Candyboy
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
+++++++++++++++++++++++++++++++++++++++++
its simple baba.....our Govt. are a bunch puss!es and are owned by the Nigerians....Mentally & Monetary the Nija's has our officials in their pockets bru.....!!!! Report Abuse
Jun 20, 2012
SWEETYK
Candyboy
@SWEETYK
I told you two weeks back that o rata go votha. Kikikikikiki
+++++++++++++++++
u r very dom wena.........you are only here for 1 week.......so how could you have told her that 2 weeks ago...?
============================================================
Wa phapha wena o qadile go ntseba last week o mphaphela stjuzi ke wena ask him gore o ntsebile neng. Report Abuse
@leson
wa utlwa gathwee o ntjanyana......kikikiki
Puppy is not the name of a doll buddy! means small dog.........doggie!! kwakwaaaaaaaaa
================================================================
Kikikikikikikikiiiii kwakwkawkawkaawaaakwakwakwkawka ncsissssss ha diba lona ppppppppp ncssssss. Kikikikikikikikikikiki top dog ntja e kgolo. I love this.
==================================
Like @Candyboy said u very dom- you laugh at anything even when your phone rings........(shame)
@leson
wa utlwa gathwee o ntjanyana......kikikiki
Puppy is not the name of a doll buddy! means small dog.........doggie!! kwakwaaaaaaaaa
================================================================
Kikikikikikikikiiiii kwakwkawkawkaawaaakwakwakwkawka ncsissssss ha diba lona ppppppppp ncssssss. Kikikikikikikikikikiki top dog ntja e kgolo. I love this.
==================================
Like @Candyboy said u very dom- you laugh at anything even when your phone rings........(shame)
=====================================================================
Kwakwakwakwwkaawaa kwakwkawkawkw kikikikikikikikiki o dom san. Report Abuse
Jun 20, 2012
Makhosini0408
@Buc4life
I like what Warren Buffett says on the subject.
Stay away from credit cards (bank loans) and invest on yourself and remember:
Money does not create man but it is the man who created money.
Live your life as simple as you are.
Do not do what others say, but listen to them and do what feels good.
Do not go on brand name, just wear those things in which you feel comfortable
Do not waste your money on unnecesary things, just spent it on those who are really in need rather
After all its your life why give chance to others to rule your life. Report Abuse
Jun 20, 2012
Candyboy
@BiPolar
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!!
++++++++++++++++++++=
makes no diff where the article is.....our country is owned by the Nija's...all to the top of our govt officials....wake up man.....drug money is needed to keep the whole worlds economy from imploding and foot soldiers are needed to make this happen and distract the Airport officials from catching the big fish at the terminals......it will never change. Report Abuse
Jun 20, 2012
LESON.1
@dimpho_4U
All day I thought of you....I was at the zoo. Report Abuse
Jun 20, 2012
Candyboy
@LESON.1
@dimpho_4U
All day I thought of you....I was at the zoo.
++++++++++++++++++++++++++++
lokl...was she the one with trying to immitate the polar bear:-) Report Abuse
Kikikikikikikikiki o thomile akere kwakwakwakwaaa I'm imagining things now kikiikikikikikiki I like it shooo at long last ka be ka tshega.
Take a kettle and boil water, remove the lid and you know mosss squad it will retain its size O SELE maaaan.
Not that bad, is not that cold today love
~~~~~~~~~~~~~~~~~~~~~~
dont judge me nhe, im NOT that kind of a person but think i must go and buy mag*sha jst to give me BJ to steam it to the normal size, im very worried ka yona maan...eish
Don't be worried akere eba jalo when is cold or when you swim kapa?
Ngi sa phefumula babes, so hlala sigudla esethu le skhundla. Report Abuse
Jun 20, 2012
Buc4life
Makhosini0408
@Buc4life
I like what Warren Buffett says on the subject.
Stay away from credit cards (bank loans) and invest on yourself and remember:
Money does not create man but it is the man who created money.
Live your life as simple as you are.
Do not do what others say, but listen to them and do what feels good.
Do not go on brand name, just wear those things in which you feel comfortable
Do not waste your money on unnecesary things, just spent it on those who are really in need rather
After all its your life why give chance to others to rule your life.
..................................
Yes, very true. I just wish we Africans could realise that and stop being materialistic. Report Abuse
Jun 20, 2012
dimpho_4U
LESON.1
@dimpho_4U
All day I thought of you....I was at the zoo.
---------------------------------------
oh i remember you, you're the one i gave a banana behind a cage..at the zoo Report Abuse
Jun 20, 2012
m'zaco'
LESON.1
@dimpho_4U
All day I thought of you....I was at the zoo.
===============
aggg! rest my case___ Dimpho is correct!...
i got a good lesson, that lesson is some fellows need a lesson of a lesson.1
cheers! i have passed the leson.1.... Report Abuse
Makhosini0408
@Buc4life
I like what Warren Buffett says on the subject.
Stay away from credit cards (bank loans) and invest on yourself and remember:
Money does not create man but it is the man who created money.
Live your life as simple as you are.
Do not do what others say, but listen to them and do what feels good.
Do not go on brand name, just wear those things in which you feel comfortable
Do not waste your money on unnecesary things, just spent it on those who are really in need rather
After all its your life why give chance to others to rule your life
-------------------------
Mchana have you ever seen a good replay jean/ shoes? not easy boy Report Abuse
Jun 20, 2012
Candyboy
@m'zaco'
heita bosso......how you doing vandag weakling.....? Report Abuse
Jun 20, 2012
dimpho_4U
tjo,tjo zaco bar o weakling aa aa maan.... Report Abuse
Jun 20, 2012
LESON.1
@m'zaco'
LESON.1
@dimpho_4U
All day I thought of you....I was at the zoo.
===============
aggg! rest my case___ Dimpho is correct!...
i got a good lesson, that lesson is some fellows need a lesson of a lesson.1
cheers! i have passed the leson.1....
==============================================
Wena i told you - you too slow eish c'mon now why don't you pay 3 frozen Farmer Brown chickens as part of @dimpho_4U's lobola.....(clock is ticking - tik tok tik tok) hurrrrrrry up
Another thing that needs to be discussed is spending patterns.
Women tend to buy property when still in their 20s and single.
Guys tend to stay longer at home some well into their 30s and buy an expensive car to impress amantombazane. Guys tend to buy property in their 30s often as joint applicants with the spouse. One is an asset the other a liability that depreciates in value.
Mara you girls also don't help in this situation. If a guy angakushela now ahamba ngezinyawo it is probable you will say no but if the same guy comes back 30 minutes later driving a flashy car chances are it will be you wishing ukuthi akushele and this is the same guy omale 30 minutes before.
u dropped sumthing on the floor.
============================================
It's your picture ka gore ke tla go etsang tsala mare? O tweba ya senatla mooss. Report Abuse
Jun 20, 2012
BiPolar
@Candyboy
@BiPolar
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!!
++++++++++++++++++++=
makes no diff where the article is.....our country is owned by the Nija's...all to the top of our govt officials....wake up man.....drug money is needed to keep the whole worlds economy from imploding and foot soldiers are needed to make this happen and distract the Airport officials from catching the big fish at the terminals......it will never change.
--------------------------------
I have travelled half the world and have noticed that most of the black people in foreign countries, Europe, Asia, Islands, USA, Africa are Nigerians -- pushing the drug business and hiding behind 'phone shops', 'salons', 'mini-supermarkets'. In SA they are only lucky because our officials are corrupt to accept bribes - however, the drug business and nigerians in S.A. are not adding to our economy - they do not pay tax, they are untraceable as they are using fake everything! One wonders if the very drugs are not fake too!! Nigerian are manipulative and marry our sisters to turn them into drug mules - which they cannot resist after they have 'f@cked' their brains out!! I know a girl that used to be my neighbour - she is now in a jail in Afghanistan. People must be aware that this is an international syndicate funded by the dr@g lord mafias!! Report Abuse
Jun 20, 2012
Luv2kiss
malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
We reading comments on to curb splashing more n avoid over spending , then wena u tell us with page 6, is this relevant to this article ! or where can i find that pg6 Report Abuse
Jun 20, 2012
dimpho_4U
BiPolar
@Candyboy
@BiPolar
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!!
++++++++++++++++++++=
makes no diff where the article is.....our country is owned by the Nija's...all to the top of our govt officials....wake up man.....drug money is needed to keep the whole worlds economy from imploding and foot soldiers are needed to make this happen and distract the Airport officials from catching the big fish at the terminals......it will never change.
-------------------------------------
where is the article ????
All day I thought of you....I was at the zoo.
---------------------------------------
oh i remember you, you're the one i gave a banana behind a cage..at the zoo
==================================================================
Tjo tjo tjo tjo tjo Leson ke kopa go tshega tuuu? Report Abuse
Jun 20, 2012
malemaforpresident
Candyboy
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
+++++++++++++++++++++++++++++++++++++++++
its simple baba.....our Govt. are a bunch puss!es and are owned by the Nigerians....Mentally & Monetary the Nija's has our officials in their pockets bru.....!!!!
===============================================
I AM STILL SHOCKED REALLY SHOCKED[while in Brazil Hilda said some women had tried to escape but were found out by the Nigerians.No body knows what happened to those women. she said the Nigerians could even attack my family in South Africa if they thought i was a threat to their activities.She also said the Nigerians who were selling drugs were very well connected world wide, including South Africa. They had a lot of money to bribe the police and even politicians. She said nothing would happen to them if i got killled.Even the owner of the hotel where we stayed was possibly a friend of the Nigerians and could not go and report to him to call the police.She also said the Nigerians had friends in many international airports and would know if i reported at the airport that i was being forced to deliver drugs. when sent on a mission some one would follow] I think the World would be better without these Nigerians and i pray God to delete Nigeria from Africa and put it some where in Hell Report Abuse
Jun 20, 2012
Candyboy
why do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-) Report Abuse
Jun 20, 2012
Dzel
SWEETYK
Mona o bodisa kelello mfana, you have a huge problem le this guy I don't know gore o mmatla eeeng?
=================================================
Leson ke attention seeker, the best way to deal with him is to ignore him complete o bone otlo hlanya jwang. Parents, this is what happens to your kid when you don’t tell them you love them enough be warned.
A loan to get married....women can push into a pool of debt...Hate it Report Abuse
Jun 20, 2012
Dzel
LESON.1
@Dzel
I want to buy some baby pampers – which store is cheaper and should I swipe my card or use cash ?
===============================================================
You mean there is a mini-you running around out there. Mara modimo can be cruel sometimes waitse.
@Buc4life
I do transfer. But it's the poor folks who don't and can't who get shafted. It can be be too expensive to hold an account for them. I am talking about developed countries. Example: we pay R11 for withdaraw from own ATM in England it's free, as it is in Oz or USA or Canada. To use another banks ATM we might pay R15, in England it's R2.20. But there are many examples. We have much more expensive bank charges. I think Canada is the only other country to charge a deposit. Report Abuse
Jun 20, 2012
LESON.1
SWEETYK
dimpho_4U
LESON.1
@dimpho_4U
All day I thought of you....I was at the zoo.
---------------------------------------
oh i remember you, you're the one i gave a banana behind a cage..at the zoo
==================================================================
Tjo tjo tjo tjo tjo Leson ke kopa go tshega tuuu?
===========================================
submit another comment and laugh ------- Report Abuse
Jun 20, 2012
SWEETYK
@ Dimpho-4U
where is the article ????
sweety hahahah LOL tweba ya senatla
=======================================
hahah @Sweety ska kwata maan. ke mahlanya a mona___mara wena @LESON.1 and mzaco might be the same person with two usernames i bet!! la tswana maan Report Abuse
Jun 20, 2012
SWEETYK
Dzel
SWEETYK
Mona o bodisa kelello mfana, you have a huge problem le this guy I don't know gore o mmatla eeeng?
=================================================
Leson ke attention seeker, the best way to deal with him is to ignore him complete o bone otlo hlanya jwang. Parents, this is what happens to your kid when you don’t tell them you love them enough be warned.
==========================================================================
Hai hai nna ka tshega iyo kikikikikikikikikikiki lack of parental love kwakwakwwakaakwaka ho salang leson1 a ka sentjhape kikikikikikikikikikiki o sdena sa ngwana. Report Abuse
Jun 20, 2012
LESON.1
Dzel
SWEETYK
Mona o bodisa kelello mfana, you have a huge problem le this guy I don't know gore o mmatla eeeng?
=================================================
Leson ke attention seeker, the best way to deal with him is to ignore him complete o bone otlo hlanya jwang. Parents, this is what happens to your kid when you don’t tell them you love them enough be warned.
===========================================
you see the results of passing matric ka supplementary -- ( i rest my case of 24 cans of Heineken) Report Abuse
Jun 20, 2012
Dzel
Dzel
LESON.1
@Dzel
I want to buy some baby pampers – which store is cheaper and should I swipe my card or use cash ?
===============================================================
Let me answer this question seriously, I can't answer on which store is cheaper but surely when it comes to price it does not change based on the method of payment, does it Einstein?
Candyboy
why do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-)
================================================================
mxn life ya bogay wa gafa wena o tlwaetse go casha batho, how can you get that thing you are after if you don't have money? O opportunist choma. Report Abuse
Jun 20, 2012
m'zaco'
@dimpho
ha nale babang you dont have to engage even a bit le bone! otherwise you will drag your pedigree__ so ke a avoida!
lesson i have learnt:
when you fight a dog for a narrow alley, you may win but you will remain with flees!....
I want to buy some baby pampers – which store is cheaper and should I swipe my card or use cash ?
===============================================================
Let me answer this question seriously, I can't answer on which store is cheaper but surely when it comes to price it does not change based on the method of payment, does it Einstein?
========================================================
i thought you already answered that- You seems like a very nice guy but your problem is 1 thing and 1 thing only, why do you wear your sister's underwears ? Report Abuse
Jun 20, 2012
dimpho_4U
@m'zaco'...please avoid me ,ha ke lwane ska wena Report Abuse
@m'zaco'
@dimpho
ha nale babang you dont have to engage even a bit le bone! otherwise you will drag your pedigree__ so ke a avoida!
lesson i have learnt:
when you fight a dog for a narrow alley, you may win but you will remain with flees!....
What difference do you think your All-Star and Dickies comments is going to make??.. Report Abuse
Jun 20, 2012
Candyboy
@BiPolar
@Candyboy
@BiPolar
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!!
++++++++++++++++++++=
makes no diff where the article is.....our country is owned by the Nija's...all to the top of our govt officials....wake up man.....drug money is needed to keep the whole worlds economy from imploding and foot soldiers are needed to make this happen and distract the Airport officials from catching the big fish at the terminals......it will never change.
--------------------------------
I have travelled half the world and have noticed that most of the black people in foreign countries, Europe, Asia, Islands, USA, Africa are Nigerians -- pushing the drug business and hiding behind 'phone shops', 'salons', 'mini-supermarkets'. In SA they are only lucky because our officials are corrupt to accept bribes - however, the drug business and nigerians in S.A. are not adding to our economy - they do not pay tax, they are untraceable as they are using fake everything! One wonders if the very drugs are not fake too!! Nigerian are manipulative and marry our sisters to turn them into drug mules - which they cannot resist after they have 'f@cked' their brains out!! I know a girl that used to be my neighbour - she is now in a jail in Afghanistan. People must be aware that this is an international syndicate funded by the dr@g lord mafias!!
++++++++++++++++++++++++++++++++++++++++++++++++=
agree... but as for the economies...well not directly to the SA economy....however, we are all dependant as to what happens on the NYSE and with the US Dollar....if that implodes, we are all focked world wide.....did you know that most of the senior officials on wall street was previous CIA agents...did you know that those CIA agents directly invests 90% of the South American drug cartel money into wall street....did you know that the USA Army is overseeing the manufacturing of opium in the middle east....you connect the dots buddy....dirty oil & drug money is keeping us all a float. Report Abuse
Jun 20, 2012
dimpho_4U
@LESON.1 Sharp mon.key tricks shwiiiiiing :-) i see you!! Report Abuse
Jun 20, 2012
LESON.1
@dimpho_4U
@m'zaco'...please avoid me ,ha ke lwane ska wena
============================================
you see i told you to save your breath...Now you just blow up your date. Report Abuse
Jun 20, 2012
SWEETYK
dimpho_4U
hahah @Sweety ska kwata maan. ke mahlanya a mona___mara wena @LESON.1 and mzaco might be the same person with two usernames i bet!! la tswana maan
========================================================================
A ka kwata my love, I know them (leson and tsala yame ya tlhogo e popota candyboy) I once told Leson1 gore o antse letswele la letlhanya a wa ka tlhogo that is why a le sona. No do understand him shame. Report Abuse
Jun 20, 2012
LESON.1
@dimpho_4U
@LESON.1 Sharp mon.key tricks shwiiiiiing :-) i see you!!
===============================
before i forgot you can mix those maggie 2 minute noodles with your 4 false yellow teeth- you will replace them when you get paid ? anyway Enjoy again
We can carry on this pointless back and forth for the rest of the day or you can grow up and start acting like the adult I hope we all are in this forum.
Peter De Villiers once said something to this effect: “there is no cure for stupidity, you can go to the chemist and they will not have a pill or cure for you”. You are deliberately being obtuse, for some reason you think you are funny but you are not. All you are is an irritant to right thinking forum members and an embarrassment to the forum, if you think this is funny then I can’t help you.
You think saying I wear my sisters under wear is funny?
Not funny my brother, just stupid now please grow up.
I see no point in entertaining you any longer and anything you say will now be ignored.
i hav been looking for her ka nqena le ka nqena a ke mo bone. mayb oa gula Report Abuse
Jun 20, 2012
SWEETYK
eKapa
SWEETYK
eKapa
SWEETYK
fine ma luv, did you see Galfrend waka?
=======================================
No lovey, where is she vele?
~~~~~~~~
i hav been looking for her ka nqena le ka nqena a ke mo bone. mayb oa gula
=============================================================
I miss her or maybe the topic is boring for her to comment or tenwa ke mafeega a sa naganeng amoo. Report Abuse
Jun 20, 2012
Candyboy
@SWEETYK
Candyboy
why do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-)
================================================================
mxn life ya bogay wa gafa wena o tlwaetse go casha batho, how can you get that thing you are after if you don't have money? O opportunist choma.
+++++++++++++++++++++++++++++++++++++++
unlike you wena...I AM NOT DOM...and use my brains if I need or want sumthing.....my brain is more powerful thal all the amount of money in this world....you on the other have hydrochloric acid cells for brains. Report Abuse
We can carry on this pointless back and forth for the rest of the day or you can grow up and start acting like the adult I hope we all are in this forum.
Peter De Villiers once said something to this effect: “there is no cure for stupidity, you can go to the chemist and they will not have a pill or cure for you”. You are deliberately being obtuse, for some reason you think you are funny but you are not. All you are is an irritant to right thinking forum members and an embarrassment to the forum, if you think this is funny then I can’t help you.
You think saying I wear my sisters under wear is funny?
Not funny my brother, just stupid now please grow up.
I see no point in entertaining you any longer and anything you say will now be ignored.
====================================================
i told u this morning to leave me alone - akere wena you know too much....
You think saying I wear my sisters under wear is funny?
Not funny my brother, just stupid now please grow up.
I see no point in entertaining you any longer and anything you say will now be ignored.
===================================================================
Akere a re ke rata go tshega but I didn't laugh at this one why? Because it was boring and tedious. Report Abuse
Jun 20, 2012
Dzel
LESON.1
Call the cops....
==============================================
some1 is compering me to you- how do you like that- i mean am i that ugly Report Abuse
Jun 20, 2012
BiPolar
@candyboy
agree... but as for the economies...well not directly to the SA economy....however, we are all dependant as to what happens on the NYSE and with the US Dollar....if that implodes, we are all focked world wide.....did you know that most of the senior officials on wall street was previous CIA agents...did you know that those CIA agents directly invests 90% of the South American drug cartel money into wall street....did you know that the USA Army is overseeing the manufacturing of opium in the middle east....you connect the dots buddy....dirty oil & drug money is keeping us all a float.
----------------------------
hmm, that is an eye-opener, i think the dots connect - the thing is money is leaving our country unaccounted for and Naija Dr@g lords are keeping money under the mattresses in their houses. Well, most successful business people admit to having done something 'illegal' to raise the capital money - when they were not caught in the illegal act- they opened legal businesses to wash the money. I do not personal condone the DR@G cartel - In your world: it looks right - but on the flip-side where i belong - it is completely shocking to see how the Dr@g cartel (illuminati) is controling the world's money!! Report Abuse
Jun 20, 2012
Candyboy
@Dzel
hoe gaan dit met jou vandag groot man......? Report Abuse
Call the cops....
==============================================
Trust me not even the cops can cure stupidity.
======================================
You sh1t through your mouth, You talk through your @ss , You vomit through your D1ck. What kind of an ugly sick pre-matured animal are you? Even a Giraffe with 2cm neck is better than you….(@ssface)
LESON.1
@dimpho_4U
@m'zaco'...please avoid me ,ha ke lwane ska wena
============================================
you see i told you to save your breath...Now you just blow up your date
=====================
kwaaaaaaaaaaaaaaaaaaaaaa! date! Report Abuse
Jun 20, 2012
SWEETYK
Candyboy
@SWEETYK
Candyboy
why do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-)
================================================================
mxn life ya bogay wa gafa wena o tlwaetse go casha batho, how can you get that thing you are after if you don't have money? O opportunist choma.
+++++++++++++++++++++++++++++++++++++++
unlike you wena...I AM NOT DOM...and use my brains if I need or want sumthing.....my brain is more powerful thal all the amount of money in this world....you on the other have hydrochloric acid cells for brains.
=================================
Thank you very much tsala. I can see that you are using your brain when you feel like, need, wand something not always. Ke go boditse o opportunist choma. Report Abuse
Jun 20, 2012
Candyboy
@Dzel
CandyBoy,
..you on the other have hydrochloric acid cells for brains.
++++++++++++++++++++++++++++++++++++++++++++++
Sure my brother. Where has all the charm gone, play nice. SweetyK seems like a reasonable individual unless i am missing something here.
++++++++++++++++++++++++++++=
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift* Report Abuse
Jun 20, 2012
LESON.1
@SWEETYK
Wena o dom straight- today ompaletse entlik o thomile maabane...... Report Abuse
Jun 20, 2012
Dzel
Candyboy
hoe gaan dit met jou vandag groot man......?
++++++++++++++++++++++++++++++++++++++++++++++++
Dzel
SweetyK, I'll try something funnier next time.
=============================================
Thanx love goneng ke sa tshege, but I know you wena babes you always talk logic. Report Abuse
Jun 20, 2012
Candyboy
@SWEETYK
Candyboy
@SWEETYK
Candyboy
why do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-)
================================================================
mxn life ya bogay wa gafa wena o tlwaetse go casha batho, how can you get that thing you are after if you don't have money? O opportunist choma.
+++++++++++++++++++++++++++++++++++++++
unlike you wena...I AM NOT DOM...and use my brains if I need or want sumthing.....my brain is more powerful thal all the amount of money in this world....you on the other have hydrochloric acid cells for brains.
=================================
Thank you very much tsala. I can see that you are using your brain when you feel like, need, wand something not always. Ke go boditse o opportunist choma.
++++++++++++++++++++++++++++++++
if you dont take the opporunities that are in fron of you...then you r dom.....!!!!! Report Abuse
Jun 20, 2012
LindaKing
when i was about to ask for a loan there, well i think its time i switched banks. fraud on a banking giant like this, #disappointed Report Abuse
Jun 20, 2012
Dzel
Candyboy
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
----------------------------------------------------------------------
hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
@m'zaco'
@LESON.1
@dimpho_4U
@m'zaco'...please avoid me ,ha ke lwane ska wena
============================================
you see i told you to save your breath...Now you just blow up your date
=====================
kwaaaaaaaaaaaaaaaaaaaaaa! date!
=========================================
Venue = BRT parking lot Report Abuse
Jun 20, 2012
The_Only_1
Why do you need a middle man to negotiate for a loan and Coca Cola employees really think the employer who includes shareholders love them so much that they will negotiate deals for free? In a business environment there are no friends, all people are worried about their stomachs. I also know this Employer who gives his employees Mortage Bonds with 30 years as a repayment period and these fools think its a benefit compared to someone who pays over 20 years from a normal bank.
Middle men are not for free! Some people want to be rich by using Pyramid Schemd TecticS to fool ennocent peolpe. Report Abuse
Jun 20, 2012
SWEETYK
Candyboy
@Dzel
CandyBoy,
..you on the other have hydrochloric acid cells for brains.
++++++++++++++++++++++++++++++++++++++++++++++
Sure my brother. Where has all the charm gone, play nice. SweetyK seems like a reasonable individual unless i am missing something here.
++++++++++++++++++++++++++++=
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
==================================================
Wa nqala akere, wa ipona neh please leave HUSBY alone. Mare what I like/love you wrote his name the way I love/like it. Kikikikikikikikikiki Galfrend knows this she mastermind it. Report Abuse
Jun 20, 2012
Candyboy
@BiPolar
@candyboy
agree... but as for the economies...well not directly to the SA economy....however, we are all dependant as to what happens on the NYSE and with the US Dollar....if that implodes, we are all focked world wide.....did you know that most of the senior officials on wall street was previous CIA agents...did you know that those CIA agents directly invests 90% of the South American drug cartel money into wall street....did you know that the USA Army is overseeing the manufacturing of opium in the middle east....you connect the dots buddy....dirty oil & drug money is keeping us all a float.
----------------------------
hmm, that is an eye-opener, i think the dots connect - the thing is money is leaving our country unaccounted for and Naija Dr@g lords are keeping money under the mattresses in their houses. Well, most successful business people admit to having done something 'illegal' to raise the capital money - when they were not caught in the illegal act- they opened legal businesses to wash the money. I do not personal condone the DR@G cartel - In your world: it looks right - but on the flip-side where i belong - it is completely shocking to see how the Dr@g cartel (illuminati) is controling the world's money!!
+++++++++++++++++++++++++++++++++++
dont wana divulge more info here...Mdluli might just intercept the communication and use it against Breytenbach in their legal battle......final point.....even the good book says in Revelations...THINGS WILL GET WORSE BEFORE THEY GET BETTER.....just stick it out and live your live the best way you feel is right for you......as for the rest......its out of your control buddy. Report Abuse
Jun 20, 2012
LESON.1
@SWEETYK
Dzel
SweetyK, I'll try something funnier next time.
=============================================
Thanx love goneng ke sa tshege, but I know you wena babes you always talk logic.
=================================================
u so dom dom dom -kop how is his voice sound like- go back to your primary school Report Abuse
Jun 20, 2012
SWEETYK
LESON.1
@m'zaco'
@LESON.1
@dimpho_4U
@m'zaco'...please avoid me ,ha ke lwane ska wena
============================================
you see i told you to save your breath...Now you just blow up your date
=====================
kwaaaaaaaaaaaaaaaaaaaaaa! date!
=========================================
Venue = BRT parking lot
===========================================================
O carry fish neh, hai maan yegi ndaba za bantu (ka Mandoza's voice) Report Abuse
Jun 20, 2012
LESON.1
@SWEETYK
I'd love to ask how old you are, but unfortunately I know you can't count that high.(shaaaameeee) Report Abuse
Thanx love goneng ke sa tshege, but I know you wena babes you always talk logic.
=================================================
u so dom dom dom -kop how is his voice sound like- go back to your primary school
====================================================================
You don't know me and stop cramming me wena dom-kop roto, mbeba e tough. Report Abuse
Jun 20, 2012
SWEETYK
LESON.1
@SWEETYK
I'd love to ask how old you are, but unfortunately I know you can't count that high.(shaaaameeee)
=====================================================================
You want to know how old I am? count from the day o wa ka tlhogo you will get my age. Report Abuse
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
----------------------------------------------------------------------
hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
++++++++++++++++++++++++++++=
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki Report Abuse
Jun 20, 2012
SWEETYK
LESON.1
@SWEETYK
Wena o dom straight- today ompaletse entlik o thomile maabane......
===============================================================
I think maabane o ne ole SISJOY wena you sound exactly like her. O dom san dom kop roto ke ra TWEBA YA SENATLA. Report Abuse
Jun 20, 2012
Candyboy
@SWEETYK
Candyboy
@Dzel
CandyBoy,
..you on the other have hydrochloric acid cells for brains.
++++++++++++++++++++++++++++++++++++++++++++++
Sure my brother. Where has all the charm gone, play nice. SweetyK seems like a reasonable individual unless i am missing something here.
++++++++++++++++++++++++++++=
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
==================================================
Wa nqala akere, wa ipona neh please leave HUSBY alone. Mare what I like/love you wrote his name the way I love/like it. Kikikikikikikikikiki Galfrend knows this she mastermind it.
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i know you like/love the way I do things sweet pea....no need to make it public......especially the way you like that special sumthing......*clearing my throat* Report Abuse
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
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hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
++++++++++++++++++++++++++++=
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
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and then homeboy.....what's not right dude...kikikikiki Report Abuse
Jun 20, 2012
Dzel
Candyboy
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
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lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
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hehehehe .... SweetK, angihleki neh...
Wena CandyBoy...... LOL.
=====================
Wa mphaphela oo waitsi heheehehehe I'm not laughing neh. Report Abuse
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
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hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
++++++++++++++++++++++++++++=
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
=================================================
I'm warning you tlogela HUSBY.
+++++++++++++++++++++++++++++++++++
ok...ok...ok....i surrender....*waving my white flag*......i'm sorry neh ma love..*blowing sweet kisses ur way* Report Abuse
Jun 20, 2012
SWEETYK
Candyboy
@SWEETYK
Candyboy
@Dzel
Candyboy
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
----------------------------------------------------------------------
hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
++++++++++++++++++++++++++++=
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
=================================================
I'm warning you tlogela HUSBY.
+++++++++++++++++++++++++++++++++++
ok...ok...ok....i surrender....*waving my white flag*......i'm sorry neh ma love..*blowing sweet kisses ur way*
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Ga ke dinyake (Mmankosheng's voice) ke go kapa ka tsona back, I'm kidding tsala yame thanx choma. Report Abuse
Jun 20, 2012
Candyboy
@SWEETYK
Candyboy
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
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hehehehe .... SweetK, angihleki neh...
Wena CandyBoy...... LOL.
=====================
Wa mphaphela oo waitsi heheehehehe I'm not laughing neh.
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ja right....but you writing this reply with a bright sparkle on ur angel face neh:-) Report Abuse
Jun 20, 2012
DrMashobaadieeta
gape basadi gaba kgone go i swara ha ba le pel' aka Report Abuse
Jun 20, 2012
SWEETYK
DrMashobaadieeta
gape basadi gaba kgone go i swara ha ba le pel' aka
=====================================================
Read the topic first and comment about it, lastly these kinds of comments ge neh shoba. Report Abuse
gud@sweety,
what do u do if it happens that when u open ur mans laptop to find gore he s a constant blogger wa mo sowetan and insults other bloggers like bo manakzen so, and like wa rogana strong Report Abuse
Jun 20, 2012
2nevvy4u
Ann
hows ur day ma bloggers?
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its like your breast Report Abuse
Jun 20, 2012
DrMashobaadieeta
@SWEETYK
Pila. pila. go a sana moth.o o bu.wang ka taba tsa che.lete. Go.reng ke swan.etse go buwa ka tso.na mma? Report Abuse
HR people took loans on your behalf and chowed it. I guess they changed your banking details to theirs when additional loans were approved and paid. Report Abuse
le a phadima doc, empa o kare nka go bona gore o le phadimishe kudu Report Abuse
Jun 20, 2012
DrMashobaadieeta
Seo se ka etsagala ge o tiishiitse... Report Abuse
Jun 20, 2012
SWEETYK
Ann
gud@sweety,
what do u do if it happens that when u open ur mans laptop to find gore he s a constant blogger wa mo sowetan and insults other bloggers like bo manakzen so, and like wa rogana strong
=====================================================================
Nka logger out completely, bona nka mo tshaba as ke tshaba manakashit sona. Report Abuse
Jun 20, 2012
LESON.1
Since this morning ? dibotho le sale mo.......
@SWEETYK- wena i think you are a secretary were you work - kare you like to type- who told you about sowetan mara ?
Sale ke e reka one day ka bona ba go advertizitse gore you need parental love, and sowetan asked candyboy to love you as your father and I saw that love thats when I started to love sowetan. No one taught me about it I just found it myself.
About my Job who told you? O tseba jang? O bone ka eng? sho o mbhoro neh? Report Abuse
Jun 20, 2012
SWEETYK
@ Sowetan
Where is the moderator today, o berekwa ke mala neh? No corrections today we are free. Report Abuse
Jun 20, 2012
Candyboy
@SWEETYK
eish you mara neh......tell me snookums....just how sweet are you....? Report Abuse
Jun 20, 2012
LESON.1
@SWEETYK
the way you behave is like you are a desperate hooker with no customers cos of your stretchmarks
SWEETYK
Ann
gud@sweety,
what do u do if it happens that when u open ur mans laptop to find gore he s a constant blogger wa mo sowetan and insults other bloggers like bo manakzen so, and like wa rogana strong
=====================================================================
Nka logger out completely, bona nka mo tshaba as ke tshaba manakashit sona.
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gape ke maketse last nite ge ke ntse ke cheka ke kraa mo*tho a rogana ka nn*yo to cu*m nice mara ga nke ke utlwa le even one day a rogan*a tjo Report Abuse
Jun 20, 2012
LESON.1
@SWEETYK
i heard you tried to pay your chicken licken bill using your access card... Report Abuse
Ann ke mang oo?Jub Jub o tlwaetse go rogana mos Report Abuse
Jun 20, 2012
LESON.1
@Candyboy
@SWEETYK
eish you mara neh......tell me snookums....just how sweet are you....?
=====================================================
sweet as (Drink O' Pop) Report Abuse
@SWEETYK
LESON.1
@SWEETYK
Wena o dom straight- today ompaletse entlik o thomile maabane......
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I think maabane o ne ole SISJOY wena you sound exactly like her. O dom san dom kop roto ke ra TWEBA YA SENATLA.
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Your boyfriend must just exchange you for my 5110 nokia- (o worthless) Report Abuse
Jun 20, 2012
SWEETYK
Ann
SWEETYK
Ann
gud@sweety,
what do u do if it happens that when u open ur mans laptop to find gore he s a constant blogger wa mo sowetan and insults other bloggers like bo manakzen so, and like wa rogana strong
=====================================================================
Nka logger out completely, bona nka mo tshaba as ke tshaba manakashit sona.
-------------------------------------
gape ke maketse last nite ge ke ntse ke cheka ke kraa mo*
===============================================
Askies as long a so go roge thats all matters, but o ska mo tella o tla go roga maal. Report Abuse
Jun 20, 2012
LESON.1
@m'zaco'
@dimpho_4U
you two is everything okay there - how is BRT parking lot? Report Abuse
Jun 20, 2012
LESON.1
SWEETYK
LESON.1
Since this morning ? dibotho le sale mo.......
@SWEETYK- wena i think you are a secretary were you work - kare you like to type- who told you about sowetan mara ?
Sale ke e reka one day ka bona ba go advertizitse gore you need parental love, and sowetan asked candyboy to love you as your father and I saw that love thats when I started to love sowetan. No one taught me about it I just found it myself.
About my Job who told you? O tseba jang? O bone ka eng? sho o mbhoro neh?
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You should learn from your parents mistakes - try using some birth control.
@sweetyk, mara di comments tsaage wena di a tshosa like ena he takes 2 hours on top of a woman , he was lying he takes 2 minutes then o feditse Report Abuse
Now you are cross, you block my comments janong. I was trying to say ko LESON1 nokia 5110 e lekana le phasela ela e ko mapareng. Report Abuse
Jun 20, 2012
LESON.1
@SWEETYK
@ SOWETAN
Now you are cross, you block my comments janong. I was trying to say ko LESON1 nokia 5110 e lekana le phasela ela e ko mapareng.
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if this is funny i have no choice but to tickle myself............. Report Abuse
Jun 20, 2012
SWEETYK
Ann
@sweetyk, mara di comments tsaage wena di a tshosa like ena he takes 2 hours on top of a woman , he was lying he takes 2 minutes then o feditse
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You won't know maybe mooo o pleaza dimatla tsee tsa moo waitsi mooss ke bo mang bo radi tlhapa that's not the way he is. Report Abuse
Jun 20, 2012
DrMashobaadieeta
lekgarebe le ke le agetseng legae pelong yaka le kae na??? Report Abuse
Jun 20, 2012
LESON.1
@SWEETYK
Eish you are all over the place - more like sipsinya sa vroeg on monday morning..............................
these banks are not trusted.i believe even our government could intervene in this .maybe they help this kind of corrupt and capitalist robbers. Report Abuse
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Comments
keepchange
Difficult times for some ! Inside job? Somebody is ripping them off, maybe more than one person is invoved here. Please call the The Hawk and the rest will be history !Report Abuse
zooloo
bIack people dont read, they probably just signed the contract without reading or understanding the finer terms and conditions....probably got happy with the figures that were going to be transferred into their bank account.
Report Abuse
truthhurt
'Bank is ripping us off'Well Dah!
Banks are there to milk you dry, get used to it! or save under your mattress.
Report Abuse
Pointman
If those figures quoted are correct then this is shocking. Sustained exposure of malpractice in the insurance industry sorted out some insurers - now the reporters must go after the banks.Report Abuse
BRA-MAFUTHA
Standard Bank are ripping us off - Steve knows thatReport Abuse
ngutha
@zooloobIack people dont read, they probably just signed the contract without reading or understanding the finer terms and conditions....
probably got happy with the figures that were going to be transferred into their bank account.
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Please do not generalize. Many people are forced to take some these deals.
I am also in the same situation. My employer forces us to take medical aid from his "preferred" insurer. I am paying R2 300 to cover my wife and 2 kids. This is way too much.
When I shopped around, I got a quotation for the same cover and with more added benefits from 3 different companies for +/- R1 100. I can't change my medical aid because the my employer does not recognize other medical schemes. He insists that we join his preferred medical aid
So I know where these guys are coming from. These employer present the schemes as if it is compulsory. And many people take deals that are on the table, because we are trying to comply with company regulations.
Report Abuse
keepchange
Afterall , its not a new thing in this country , its has been going on for the past 20 yearsand nobody is doing anything about it. So Banks are here to make money ? Should we live with it ?Report Abuse
KeRataBasadi
I'm in a situation with this bank, time I got a few things clear before, I have to take my story to the papers too.Report Abuse
wesbuw22
Bathong...Report Abuse
MommaC
Welcome to the real world. Trying to get paperwork out of Standard Bank is like finding hens teeth in a mielie patch.Problem is that ALL the banks are con artists so changing banks will simply change the name of the leach.
Report Abuse
xhosagirl
I never like taking a loan and will never will, dont have an account buying everything cash even furniture.my husband once forced me to take a loan but i refused since e le a person ledi loansReport Abuse
lindsay
standard bank is worst than leaches i made a fixed deposit last year with them and at the end of the term didn't get any interest but take a loan from them you will be paying high interest, how does it works?Report Abuse
Mapholobakay1
This is very sad and sickening. They should approach the court for action. I think they have enough evidence to have a strong caseReport Abuse
StylesP
Standard bank must be nationalised really... i'm pissesd off now.Report Abuse
dimpho_4U
...people need to read and understand their loan contracts properly before signing anything..or ask someone to explain it to you.. remember Terms and Conditions apply when dealing with banks or any corporate firms, but Standard Bank yona ke mathata..even their ATM charges are abnormally insane.Report Abuse
Buc4life
Good Morning AllPpl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow.
Report Abuse
Buc4life
StylesPStandard bank must be nationalised really... i'm pissesd off now.
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G morning.
Please do not start with that now.
Report Abuse
Buc4life
Mapholobakay1This is very sad and sickening. They should approach the court for action. I think they have enough evidence to have a strong case
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the contract of sale, is the only legally binding document.
Report Abuse
Buc4life
MommaCWelcome to the real world. Trying to get paperwork out of Standard Bank is like finding hens teeth in a mielie patch.
Problem is that ALL the banks are con artists so changing banks will simply change the name of the leach.
.......................
G Morning.
Why would you say that banks are con artists?
Report Abuse
Mapholobakay1
Buc4lifeI dont think you read the story correctly, these people have additional loans on the existing loan. They dont know about those additional loans. There is a scam that is happening involving bank employees and people who are working in deeds office. They reposses houses illegaly and resell them at their benefits.
If bank employees can pull that one out without being caught how can they fail to defraud illeterate blue collar workers?
Report Abuse
Buc4life
keepchangeAfterall , its not a new thing in this country , its has been going on for the past 20 yearsand nobody is doing anything about it. So Banks are here to make money ? Should we live with it ?
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G Morning
Yes, banks are here to make money-like any business. Our government introduced the NCA(National Credit Act) that helps you the consumer not to over-extend yourself with credit. The bank must ensure that the customer can afford a loan before they give it. Banks have no control on the prime rate. If it is high, banks will charge high interest rates. So, it is up to us consumers to ensure that we borrow correctly.
Report Abuse
MommaC
Buc4lifeMorning dear.
They are all con artists. They are a giant cartel which exists to milk us as badly as the government does. The 'added' costs they slip in should be a criminal offence. Given half a chance, I'd bypass them altogether but, unfortunately, that is not possible
Report Abuse
MsKinkyakaKamaSutra
ABI Payroll and some Standard Bank employees are in cahoots of rippingoff the said employees.Most of the employees have additional loans that they know nothing about and the repayments already made are more than double the initial loan amount...
I smell a big stinking rat
Report Abuse
Buc4life
Mapholobakay1Buc4life
I dont think you read the story correctly, these people have additional loans on the existing loan. They dont know about those additional loans. There is a scam that is happening involving bank employees and people who are working in deeds office. They reposses houses illegaly and resell them at their benefits.
If bank employees can pull that one out without being caught how can they fail to defraud illeterate blue collar workers?
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I read the story correctly. There is no way. I repeat- there is no way, any bank can grant addtional loans without the customer`s knowledge. Customers, being customers, apply for additional loans, and they they forget. The bank normally asks the customer to pay one amount for those addtional loans- that is why customers forget about additional loans.
Banks are private companies. Corruption is not tolerated.
Report Abuse
MsKinkyakaKamaSutra
What a coincidence that Standard Bank is alo managing ABI's provident fund..........@Sowetan please investigate further
Report Abuse
dimpho_4U
''The bank has also allegedly not given them copies of their loan agreements showing the amounts''definitely something fishy... a case for the NCR..investigations follow - up
Report Abuse
Buc4life
MommaCBuc4life
Morning dear.
They are all con artists. They are a giant cartel which exists to milk us as badly as the government does. The 'added' costs they slip in should be a criminal offence. Given half a chance, I'd bypass them altogether but, unfortunately, that is not possible
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...and what added costs are you referring to?
Report Abuse
MsKinkyakaKamaSutra
@MommaCWelcome to the real world. Trying to get paperwork out of Standard Bank is like finding hens teeth in a mielie patch.
Problem is that ALL the banks are con artists so changing banks will simply change the name of the leach.
**************************************************************************************
Morning Momma
I guess I am one of the lucky ones, I have a bond with Std Bank and I have never encountered problems. The Glen Branch is tip top when it comes to customer service (my opinion)
Report Abuse
MommaC
Buc4lifeAll of the added costs. You get nothing for nothing from the banks
Report Abuse
amdigon11
@ Bucs4lifeGood Morning All
Ppl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow
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i doubt the bank would charge interest of +-400%. take the case of the man who took a loan of R15000, he has repaid R63600 but he is told he still owes R12000. Honestly, does that sound right to you?
Report Abuse
MommaC
MsKinkyakaKamaSutraHey doll,
I'm also with Standard. It took me two years to get the papers for the insurance out of them. It took me another two years of fighting and I still don't have my registration papers from them. As for the ordinary banking costs - don't get me started!
Report Abuse
Socrates
@ngutha..please tell me where you got other codes, because i am paying R5990 for the same family setting a month, yes only if i can proof that i have another medical aid i can leave my employer's choiceReport Abuse
Buc4life
MsKinkyakaKamaSutraWhat a coincidence that Standard Bank is alo managing ABI's provident fund..........
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Hello dear
These practice happens all the time. The bank that manages the pension/provident funds will conclude an agreement with that company for their emplyees to apply for loans in that bank against their pension/provident funds. This is dangerous because failure to pay, can result in that pension/provident fund not being paid out. Question is why would anyone in their right mind want borrow against their pension or provident fund?
Report Abuse
Mapholobakay1
Buc4lifeThe problem is not the bank but its employees. Did you read the story where the bank teller defrauded the madala thousand of rands? He went to the bank and they denied the responsibility.
My urgument here is that bank employees may have defrauded these people. Its easy if you know that you are dealing with illeterate people and you are colluded with the payroll personnel.
Just considered that.
Report Abuse
lindsay
@buc4lifeyou are kidding aren't you banks don't tolerate corruption girl you are funny hahahahahaha
Report Abuse
Buc4life
amdigon11@ Bucs4life
Good Morning All
Ppl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow
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i doubt the bank would charge interest of +-400%. take the case of the man who took a loan of R15000, he has repaid R63600 but he is told he still owes R12000. Honestly, does that sound right to you?
.................
Assuming that interst rate is 30%, and assuming that consumer`s payment period is 60 months. then, yes, it is possible that all along he has been paying interest, not the capital amount. So, yes it is possible that he has repaid that amount. That is why a customer must think before taking out loans. These are short-term loans, ans are expensive. They are not mortgages/bonds.
Report Abuse
Keafixa
@zoolou are rite cos u didn't even bother to read this story
Report Abuse
Buc4life
lindsay@buc4life
you are kidding aren't you banks don't tolerate corruption girl you are funny hahahahahaha
Report Abuse
............
Trust me. Banks do not tolerate corruption. Take it from me.
Report Abuse
Dzel
This story does not make sense; no bank will advance a loan to a party other than the principle party. Pension backed loans though entered into through the employer remain an agreement between the individual and financial institution therefore no one can request an advance on behalf of the primary account holder. I don’t think we have been given all the facts to reach a conclusion therefore one cannot comment based on what has been provided.I have had the opportunity to deal with media queries and can tell you that the media often requests comment after they have decided how they are going to pitch the story so the institution looks bad.
Report Abuse
Buc4life
Mapholobakay1Buc4life
The problem is not the bank but its employees. Did you read the story where the bank teller defrauded the madala thousand of rands? He went to the bank and they denied the responsibility.
My urgument here is that bank employees may have defrauded these people. Its easy if you know that you are dealing with illeterate people and you are colluded with the payroll personnel.
Just considered that.
.....................
Dont know the story, so I cant say much.
Report Abuse
Buc4life
DzelThis story does not make sense; no bank will advance a loan to a party other than the principle party. Pension backed loans though entered into through the employer remain an agreement between the individual and financial institution therefore no one can request an advance on behalf of the primary account holder. I don’t think we have been given all the facts to reach a conclusion therefore one cannot comment based on what has been provided.
I have had the opportunity to deal with media queries and can tell you that the media often requests comment after they have decided how they are going to pitch the story so the institution looks bad
.................
Morning.
100%. Ppl forget that we deal with the media, and they tend to blow things out of proportion.
Report Abuse
MD1
OMG !!!!!!!!!!!!! And so the true comes out..Standard Bank says " we dont believe in sneaky charges" as per there ad..LOL !!! Really ??? They have to pay for that ads somehow..LOL !!! then you have that ad..the lady that says "I want to thank Standard Bank for everyfing"..LOL !!! or the guy that says " when they opened the door..they just dived into the snow(their trip to Switzerland)"..I know this has nothing to do with the story..BUT hey..I use to bank with Standard Bank..and the best move I EVER did was going to FNB !!!!!Report Abuse
Maths2
How can you pay R1200 every month from 2001 till now I suppose, but still owe R90000, on estimation if he is still paying, they got roughly R158000 from him for R60000, maybe they charged you 150% interest.Report Abuse
MBADO1
in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan)Report Abuse
MsKinkyakaKamaSutra
@BuclifeHappy Wednesday
Dont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
For people lending money againt the privident fund - desperate time calls for desperat measures (we cant judge)
Report Abuse
MsKinkyakaKamaSutra
@Sowetan, please bring us the story about JZ and the province that wants his to pay for his wi.vesReport Abuse
Buc4life
MommaCBuc4life
All of the added costs. You get nothing for nothing from the banks
///////////////////
I do not agree with you. Someone like you who have access to the internet, cellphone banking and all the fancy staff, pays very little in bank fees. The problem in our country is that the majority of the ppl have no access to such, and they prefer to interact with the physical person in a bank. That increases costs.
Report Abuse
Mangoz
Banks are legitimate gangsters!!!Report Abuse
Dzel
nguthaPlease do not generalize. Many people are forced to take some these deals.
I am also in the same situation. My employer forces us to take medical aid from his "preferred" insurer. I am paying R2 300 to cover my wife and 2 kids. This is way too much.
++++++++++++++++++++++++++++++++++++++++++++++++++++++++
Firstly a loan and a medical aid is not the same thing so separate the two.
Secondly there are some products where the employer will insist you take and there is some logic behind that. Banks for example will insist you open an account with them as they employ you but that is because of payroll, they can pay all employees across the continent with one batch run so it makes sense. The same goes with medical aid, it is easier to manage when all salary deductions are paid to one party rather than multiple recipients some of whom may not be up to scratch.
A loan however is totally different, the contracting parties are the financial institution and employee, the employer provides a platform which the bank can use to get customers and in return they can negotiate discounts for their employees that they would not get had they applied for the product from a branch for example. It is a win-win situation for all concerned that is how pension backed loans work.
If you understand the mechanics then it is easy to understand why this story is highly suspect.
Report Abuse
Mnikazi
Iyo yo yo. . . . Bad publicity for the bank. . . . .And these employee are gonna learn to be smart with their money. . . .clearly there was no fixed term for this loas.
Ayeye . . . . .std. . . .ayeye.
Report Abuse
hazey
Dibanka neh!Report Abuse
Sasafrican
I guess if it has happened to you you wont believe it,thats how people are.I say let the Hawks investigateReport Abuse
Proffesor
Hehehehe this is a joke really..... " l Dan Makapela took a loan of R15000 in 2002 and has to date repaid R63600 in installments of R530 a month. He still has R12000 to pay." - paying R63 600 FROM R15 000 is just madness.....Report Abuse
Dzel
MsKinkyakaKamaSutraDont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
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The story does not say Std Bank oversees the provident fund, it says the employees used the fund as security. Big difference.
Report Abuse
Buc4life
MsKinkyakaKamaSutra@Buclife
Happy Wednesday
Dont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
For people lending money againt the privident fund - desperate time calls for desperat measures (we cant judge)
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Remember that the provident fund will actualy be overseen by the company`s pension administrators. In most cases, this a company on its own. My pension company does not know my financial status. They only draw pension from my salary.
You see that is why we S Africans get into trouble, because we do not SAVE. Why would you borrow money to get married; nogal you borrow against your provident fund? That does not make financial sense.
Report Abuse
Mpharane
I think all these banks should be investigated. I discover that I am being charged interest and jet I am paying the loan every month. When I asked they said they are going rectify it. They are not going charge me much interest anymore.Report Abuse
Karabz
This is really bad, I say the Hawks should be called, or let 3rd degree deal with the bank.Report Abuse
Curry
I wish there was some kind of an institution linked to the unions that can protect the people from banks, insurance companies and cellphone companiesReport Abuse
Mas-culin
It is very important to read every details before signing the contract. Sad...masculinnkosi@gmail.com
Report Abuse
Dzel
MBADO1in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan)
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That’s what I thought too, but it is possible the loans were extended prior to the act coming into effect. These were taken in the early 2000s.
Report Abuse
MommaC
Buc4lifeI pay very little in bank fees?
Gods forbid !!!!!
At an average of R900 a month it is NOT what I would consider 'little'
Report Abuse
Buc4life
MBADO1in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan)
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Im not familiar with that act, but if the contract of sale stipulates that pension fund can be used as security and the customer signs, then the deal is concluded.
Report Abuse
mathopeed
why their employer (ABI) dont subsidise its employee mara. This banks are no good, thats the reason why my relationship with banks is when i withdraw on ATM fela.Report Abuse
Dzel
MBADO1in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan)
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That’s what I thought too, but it is possible the loans were extended prior to the act coming into effect. These loans were taken in the early 2000s.
Report Abuse
sabza007
My mother is having the same problem. They were dubbed by RAND WATER as the employer and SAMWU as their union to take loans from FNB and use their pensions as security. She has been paying this R50 000.00 loan for the past 6 years ! and her outstanding balance is about R14000.00 ! South African Banks are reaping us !Report Abuse
Buc4life
MommaCBuc4life
I pay very little in bank fees?
Gods forbid !!!!!
At an average of R900 a month it is NOT what I would consider 'little'
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Question is why u pay so much? I dont expect you to say, though.
Report Abuse
amdigon11
amdigon11@ Bucs4life
Good Morning All
Ppl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow
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i doubt the bank would charge interest of +-400%. take the case of the man who took a loan of R15000, he has repaid R63600 but he is told he still owes R12000. Honestly, does that sound right to you?
.................
Assuming that interst rate is 30%, and assuming that consumer`s payment period is 60 months. then, yes, it is possible that all along he has been paying interest, not the capital amount. So, yes it is possible that he has repaid that amount. That is why a customer must think before taking out loans. These are short-term loans, ans are expensive. They are not mortgages/bonds.
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i dont know, maybe my math is not good but at 30% interest and 60 month instalments will not amount to you having to repay the bank R75 600 on a loan for R15 000. That really just doesnt add up Bucs4life. Besides that it means the client would have repaid the loan by now, its been 10 years and he is still paying an instalment of R530.
they were not even given loan agreements, which according to my understanding is something you get as sonn as your loan has been approved.
Report Abuse
2nevvy4u
MommaCWelcome to the real world. Trying to get paperwork out of Standard Bank is like finding hens teeth in a mielie patch.
Problem is that ALL the banks are con artists so changing banks will simply change the name of the leach.
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Im with you on that one,the thing is its not only the banks who are ripping people off even the furniture stores are killling people phela almost all the furniture stores are under cash loans.So people must lay-bye instead of opening the account or make loans.
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cocolucho
@dzel. This story still does not make sense though. How does one forget that he took another loan with the bank. This is very fishy. The maximum interest that a customer can pay is 23 percent at the moment. Their loans should have been paid off by now, why do they still have additional amounts outstanding. I suspect a bank employee or even the accountant at the firm that they are working at.@all standard bank is 2 total rip off. I only pay R15 a month in bank fees and that includes all types of transactions. My friend who is with standard pays 6 times more than I do.
Report Abuse
MommaC
Buc4life99% of my money comes through as forex and travel requires forex.
Report Abuse
Dzel
MpharaneI think all these banks should be investigated. I discover that I am being charged interest and jet I am paying the loan every month. When I asked they said they are going rectify it. They are not going charge me much interest anymore.
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Perhaps I am misunderstanding your statement but you are charged interest on the principle amount or the amount outstanding rather, this has nothing to do with your payment profile unless you fall behind in which case the interest charged is grater but again this is linked to the outstanding amount. Interest is not a penal charge but rather the cost of the loan.
Report Abuse
Buc4life
MpharaneI think all these banks should be investigated. I discover that I am being charged interest and jet I am paying the loan every month. When I asked they said they are going rectify it. They are not going charge me much interest anymore.
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For as long as you have a loan, you will be charged interest. There is no way that interest is not going to be charged .
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m'zaco'
Mornings mense!this are depressing tidings___ we part with hard earned shillings due to these unscrupulous practices.
All banks are nothing but scumbugs including FNB....standard and Absa _ worse!!
Report Abuse
MommaC
2nevvy4uIt gets tiresome. They don't even give a courtesy kiss before they start screwing you over.
Report Abuse
HORATIO7
Fact is, Balck people dont read anything when it comes to the loan contracts, they just sign without reading it as long as they see money in their account then they are happy not knowing how much he/she will pay in return which may end up bwing double the initial amount and also all these sales people at the banks dont explain simple things to clients as they are just pushing for commissionnot good
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Buc4life
DzelHello there.
I think the majority of the ppl do not understand how banks operate, hence their sour relationships. I thought that the majority of bloggers here would understand since they have access to the internet, but I was wrong. Sadly, this is the picture of the entire SA. Ppl do not understand their financials. This is scary.
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KAWUKHONJWA
We, black south african employees are taken for the ride day in and out both by the employers and unions. Many factors which crucial to us, black employee down played by both employer and painful so by unions. We work far from residents, transportation is dangerous & appalling, residences are shanty & congested, unhealthy indeed. The working places are stressful and yet we spend most of time work than with families.These vultures, employers and unions of these days are plundering on the vulnerable black person in name of employee. what are corrective measures to alleviate or remedy out illness that black employee is suffering none at all, both from employer and unions. Instead these two are perpetuating exploitation of the black employees. The language is used in work place is a foreign language but black employees must sign contract documents.
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dimpho_4U
good mornings @m'zaco',my auspicious friend with conspicuous claws or flaws, yes indeed ...these are unscrupulous practices of chronological tidings and practices kikikik :-)Report Abuse
swona
I bought my house for R450 000 in 2001, I am still owing the bank the same amount today, and according to my calculations, I already paid more than half a million, does it mean that i will end up forking out a million for a house less than half a million? dont understand how banks do their maths!Report Abuse
MBADO1
@dzeli thought section 37D has been there for all along, unless i have been following. i will need to check. it's possible that these chaps took these loans as for housing and they used them for something else
Report Abuse
Dzel
cocolucho@dzel. This story still does not make sense though. How does one forget that he took another loan with the bank. This is very fishy. The maximum interest that a customer can pay is 23 percent at the moment. Their loans should have been paid off by now, why do they still have additional amounts outstanding. I suspect a bank employee or even the accountant at the firm that they are working at.
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One does not forget taking out a loan and surely there is an audit trail and that is what the reporter was supposed to wait for. The figures don’t make sense meaning there must have been multiple draws against the accounts. One of Std Bank’s lending product is RCP (revolving credit plan) which means you can keep on drawing against the account so long as you don’t go above the limit and clearly if you keep on drawing against the loan your principle amount remains high. As far as I am aware other lending products do not allow you to draw against the loan so the first step should have been investigating the product type and what rules govern that, I see no mention of that in the article.
The next thing should have been to investigate how were the subsequent amounts advanced, by law the bank is required to keep these documents for as long as the loan remains effective. Then there is the little fat that the loan must have been paid to someone, which accounts were the amounts paid to and who do these accounts belong to.
It is for this reason that I say this is poor journalism; they focused on the sensational staff and did not ask or answer basic questions that should be asked by anyone covering a story like this.
Report Abuse
Buc4life
amdigon11amdigon11
@ Bucs4life
Good Morning All
Ppl remember banks charge interest. If you take out a loan of R50 000, for example. the total amount one has to pay back is determined by the interest rate and the period of repayment. The longer the period, the more the balance will be. Ppl do not read their contracts, they just want to borrow, borrow, borrow
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i doubt the bank would charge interest of +-400%. take the case of the man who took a loan of R15000, he has repaid R63600 but he is told he still owes R12000. Honestly, does that sound right to you?
.................
Assuming that interst rate is 30%, and assuming that consumer`s payment period is 60 months. then, yes, it is possible that all along he has been paying interest, not the capital amount. So, yes it is possible that he has repaid that amount. That is why a customer must think before taking out loans. These are short-term loans, ans are expensive. They are not mortgages/bonds.
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i dont know, maybe my math is not good but at 30% interest and 60 month instalments will not amount to you having to repay the bank R75 600 on a loan for R15 000. That really just doesnt add up Bucs4life. Besides that it means the client would have repaid the loan by now, its been 10 years and he is still paying an instalment of R530.
they were not even given loan agreements, which according to my understanding is something you get as sonn as your loan has been approved.
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Think of it this way, if the customer repays R530 on the amount of R15 000, it means his repayment period is 48 months or more. that is why instalment is low. If that is the case, it means, he is paying off intesrest before he even touches capital. Rather pay more monthly for interest to be low.
Report Abuse
uMnuz
Std Bank are the greediest con merchants.Report Abuse
Dzel
MBADO1@dzel
i thought section 37D has been there for all along, unless i have been following. i will need to check. it's possible that these chaps took these loans as for housing and they used them for something else
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You are supposed to provide proof even when the money is going to be used for extensions. Proof in the form of a plan, quotations for materials, etc.
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truthhurt
KarabzThis is really bad, I say the Hawks should be called, or let 3rd degree deal with the bank.
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Speak Out, would also be highly recommended.
Report Abuse
2nevvy4u
truthhurtKarabz
This is really bad, I say the Hawks should be called, or let 3rd degree deal with the bank.
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Speak Out, would also be highly recommended.
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or friends like this will also be recommended
Report Abuse
ThirdEye
I never like Standard Bank, this is day light robery.Report Abuse
Buc4life
I m shaken by some of comments here. It is OK to criticise but get to understand what you are criticising.Report Abuse
chipshot
why did they wait so long b4 raising this issue, payback time 4 them.wish I could be them , Yaz
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Lehido
The problem is not with the bank themselves sometimes, its the people who work within the banks.....Whatever is the bank's systems is correct, because it's a trusted source of info.....So, Someone fiddled with the system, and took out monies using the poor people's names, so, they need to find the culprits and bring them to book.....Report Abuse
Maezizsto4Sure
MBADO1in terms of pension funds act, it is not allowed to use pension or provident fund as a security for any loan, except for housing loan, provided the fund rules have a provision for that (housing loan)
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Employees are allowed to borrow against their pension.There are various financial institutions that have agreements with various companies to enable employees to borrow against their pensions broer.
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Mnyakazo258
Only if you knew ngo Mashonisa in ekasi nothing like this would have happen....Next time learn to run away from the banks and go to the loan sharks ( kasi maffias)...lolReport Abuse
WarrenG
Still we pay for DEPOSITS, and transactions from our own banks ATM!!! This is wrong wrong wrong. Look at your statement 1) Facility fee 2) Maintinence fee 3) Transaction fee...This is the most expensive banking in the world. But we're all too complacent. I've been fighting it for years. But no one seems to care. Speak up South Africa!
Report Abuse
chipshot
CurryI wish there was some kind of an institution linked to the unions that can protect the people from banks, insurance companies and cellphone companies
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should stand up & fight for your rights yourself, can't trust any1 especially whe it comes to me so I diagree.
over and above was told by my financial aviser 2 invest my money R3K with him of which I did but He failed to mention the commission only to find out z 3% and told him I want my money back in full,he is busy sorting out as we speak,,,andifuni keqhelwa mna
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dimpho_4U
@chipshot hhahahaha..sort him out :-)Report Abuse
Buc4life
WarrenGStill we pay for DEPOSITS, and transactions from our own banks ATM!!! This is wrong wrong wrong. Look at your statement 1) Facility fee 2) Maintinence fee 3) Transaction fee...
This is the most expensive banking in the world. But we're all too complacent. I've been fighting it for years. But no one seems to care. Speak up South Africa!
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Why are u depositing when u can transfer? I hope you are not comparing SA to developed nations?
Report Abuse
Master_Mind
Personally I feel Banks are not properly regulated, what we need is a limit to what the bank can make on a loan in terms of returns. There should be a regulation that says if you lend someone R20, you are capped to double the amount they took, meaning guys who took R60 000 can not pay the bank a cent more than R120 000. In this case is a win win situation.Report Abuse
Dzel
swonaI bought my house for R450 000 in 2001, I am still owing the bank the same amount today, and according to my calculations, I already paid more than half a million, does it mean that i will end up forking out a million for a house less than half a million? dont understand how banks do their maths!
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But this is where financial literacy is important. You need to understand the concepts of amortisation, compound interest and how your payment is split towards the interest on the outstanding amount and repayment against the principle amount. You also need to understand how charges like initiation fees add to the debt and that amount is also amortised over the life of the loan.
A quick calculation on a debt of R 450k assuming a repayment term of 20 years (240 months) and an interest rate of prime +1 currently at 10%. Based on these assumption your repayment amount is R 4,342.60 meaning the total interest you will pay over the life of the bond is R 592k meaning over 20 years you would have paid R 1,042m. After 10 years the total amount repaid is R 522k, only a fraction of this would have gone towards the principal debt.
As had as it is to accept the figures make sense swona, we need to understand what we are getting ourselves into when taking a loan. Unfortunately most people don’t, this is where the trouble starts.
Report Abuse
booze1984
I know that Ngutha Medical Aid ' my employer too forces us to join its scheme if u join the company unless if you join the company married & belong to your spouses's fund but it is useless, and funds finishes early before year end.... these employer (Coca cola) and bank have an agreement they eat togetherReport Abuse
Buc4life
Master_MindPersonally I feel Banks are not properly regulated, what we need is a limit to what the bank can make on a loan in terms of returns. There should be a regulation that says if you lend someone R20, you are capped to double the amount they took, meaning guys who took R60 000 can not pay the bank a cent more than R120 000. In this case is a win win situation.
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U do not have to pay R120 000 even. U can pay less if u think properly before taking the money. So, it still is a win-win.
Report Abuse
m'zaco'
dimpho_4Ugood mornings @m'zaco',my auspicious friend with conspicuous claws or flaws, yes indeed ...these are unscrupulous practices of chronological tidings and practices kikikik :-)
================
yes!....
*conspicuous flaws_ Do not claw!!...u will evade them....kikikiki!!""" unless one is foolish enough...
anyways! i see life is treating you well, TEAMwin....:)
Report Abuse
cocolucho
@all.I have just done some calculations regarding the guy that is paying the R1077 installment a month. Assuming that the loan was for a 10 year period then he is paying an effective rate of 51% interest, and his interest payment would be R105226, the total payment at the end would amount to R130226. However if it was a loan repayable over 5 years then his interest would be 46%. Such a rip off if you ask me.
Report Abuse
Dzel
swona,Another calculation:
After 10 years assuming the same variables as the answer above after 120 months (10 years) R 2,751.67 of the R 4,342.60 installment will go towards the interest, R 1,590.93 towards repayment of the principle debt and your balance should be R 328,608.87.
The figures will not be exactly the same as you have initiation fees to consider, insurance on the building itself and life cover which are both compulsory but your balance should be around that figure.
get someone who understands finance to do the actual calculations for you, only then can you tell if you are being ripped off but again I assume no further advances were taken again the loan and that you are on a fixed rate.
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SeshegoGuY
Too many loopholes in this StoryDoes the Journo even know how Interest Payments are Calculated???
I always tell my friends that when you see a house going for around R800k just know it will cost you well over a Million...
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MsKinkyakaKamaSutra
@MsKinkyakaKamaSutraDont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
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The story does not say Std Bank oversees the provident fund, it says the employees used the fund as security. Big difference.
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From the Story:
Standard Bank administers the provident fund scheme for Amalgamated Beverages Industry, a soft drink division of South African Breweries and distributors of Coca-Cola brands.
Not unless my English comprehension is ABET standard
Report Abuse
Dzel
cocoluchoI have just done some calculations regarding the guy that is paying the R1077 installment a month. Assuming that the loan was for a 10 year period then he is paying an effective rate of 51% interest, and his interest payment would be R105226, the total payment at the end would amount to R130226. However if it was a loan repayable over 5 years then his interest would be 46%. Such a rip off if you ask me.
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The figures don’t make sense. Pension backed loans are charged at a much lower rate, a rate that is prime + with 500 basis points being a lot and the reason is this is a secured loan where the pension is used as surety. Plus because this is scheme interest is negotiated at a scheme level so one’s credit scoring is not a factor so interest should be prime +2 or +3 hence I am convinced we are not told the full story. If figures provided are true then there were multiple draws against the loan the question is how and to whom. That is what the story should have focused on.
Unsecured loans are charged at a much higher rate because you are pricing for the risk but even then interest is in 20th percentile, not 46% unless you got your loan from umashonisa.
Report Abuse
Dzel
MsKinkyakaKamaSutraFrom the Story:
Standard Bank administers the provident fund scheme for Amalgamated Beverages Industry, a soft drink division of South African Breweries and distributors of Coca-Cola brands.
Not unless my English comprehension is ABET standard
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My apologies, you are right the story says so but in reality trustees administer a fund and the money is invested with the banks who in turn will go to the stock exchange and put together a trading portfolio on behalf of the company.
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SeshegoGuY
@DzelSpot on Brother. Thats why some of us insist on Calculating Manually with the Sales Person at the Bank. I go there with my own calculations and my Financial Calculator and the Sales Person must show me manually.
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cocolucho
@dzel.Please note that I made some assumptions there regarding the payback period of the loan. The guy was paying R12924 per annum or 1077 per month, so i'm not sure how long the loan was for, but based on my calculations if it was a 10 or 5 year loan then that is the effective rate of interest that he is paying
Report Abuse
SeshegoGuY
@CocoLuchoMost banks charge their loans nominal interest rate so that it is compounded monthly and they will milk you nicely in that way. Most Credit Cards are charged at 23% interest rates
Report Abuse
MsKinkyakaKamaSutra
@Dzel@MsKinkyakaKamaSutra
Dont you think it is sort of a "conflict of interest", the person overseeing your provident fund also lends you money?????? Obviously they would know about the financial status of the employee/s and that sort of gives them an "upper hand"
++++++++++++++++++++++++++++++++++++++++++++++++++++++++
The story does not say Std Bank oversees the provident fund, it says the employees used the fund as security. Big difference.
**************************************************************************************************************
From the Story:
Standard Bank administers the provident fund scheme for Amalgamated Beverages Industry, a soft drink division of South African Breweries and distributors of Coca-Cola brands.
Not unless my English comprehension is ABET standard
Report Abuse
Dzel
cocoluchoPlease note that I made some assumptions there regarding the payback period of the loan. The guy was paying R12924 per annum or 1077 per month, so i'm not sure how long the loan was for, but based on my calculations if it was a 10 or 5 year loan then that is the effective rate of interest that he is paying
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I know, I am not disputing your figures. What I am saying is the figures don't make sense hence there is something we are not being told here.
Report Abuse
MsKinkyakaKamaSutra
SeshegoGuY@Dzel
Spot on Brother. Thats why some of us insist on Calculating Manually with the Sales Person at the Bank. I go there with my own calculations and my Financial Calculator and the Sales Person must show me manually.
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LOL.....O tjo gore o sebedisa le menwana
@Dzel, sure *wink*
Report Abuse
Dzel
SeshegoGuYSpot on Brother. Thats why some of us insist on Calculating Manually with the Sales Person at the Bank. I go there with my own calculations and my Financial Calculator and the Sales Person must show me manually.
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O sokodisa bana ba batho. Most front-line staff cannot breakdown the calculations largely because they don't understand them. I do my own calculations and reconcile everything hence I end up going to the institution saying your figures are wrong and I can back that statement up.
Same thing with other outlets though, at Macro for example you will get someone who does not know the difference between a standard USB port / cable, a mini USB and a micro USB. I am the type who goes to the shop and will tell you I am looking for a 3.5mm jack cable male to male 1.5m long, I expect the sales man to understand that is the cable you use to connect a phone / iPod to a car stereo system to play music and it must be a meter and a half long. Very specific instructions and if you know what you are selling then you should be able to get it for me, instead I get blank looks in return.
Best to do your calculations first that way you can tell when you are being ripped off. Recently when shopping for tyres the shop owner and his employees were shocked when I took off my phone, scanned the bar code so I know what the average price of the item is and what should I be paying.
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MommaC
LOLNow we know where all the Standard Bank staff are whilst we are waiting in lines. They are on Sowetan comments section
*wink*
Report Abuse
dimpho_4U
m'zaco'dimpho_4U
good mornings @m'zaco',my auspicious friend with conspicuous claws or flaws, yes indeed ...these are unscrupulous practices of chronological tidings and practices kikikik :-)
================
yes!....
*conspicuous flaws_ Do not claw!!...u will evade them....kikikiki!!""" unless one is foolish enough...
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noh hai comrade zaco,re a boleka botselo bo,kea bona winter e o tswere hantle le wena..,o be letsatsi le monate wa utlwa hee__
Report Abuse
dimpho_4U
MommaCLOL
Now we know where all the Standard Bank staff are whilst we are waiting in lines. They are on Sowetan comments section
*wink*
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hahahahah ,Standard Bank is in big Ish *just made my day* lol
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Dzel
MommaCNow we know where all the Standard Bank staff are whilst we are waiting in lines. They are on Sowetan comments section
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LOL. Let's put it this way, Standard Bank was one of the companies that offered me a bursary to go to varsity. I ended up choosing them over Eskom and Anglo, my first job was with the company and that is where I learnt my trade.
My comments though are influenced by my knowledge of financial markets and common sense, not a misguided loyalty to the company.
Report Abuse
Makhosini0408
Morning AllThis guys are being ripped off big time and whosoever is involved needs to be brought to book. I once questioned why every minute we are bombared by advertisement of loans or funeral covers. Why are we not taught to save or invest our money?
Report Abuse
MarryMe
Who cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan, you are just going to sign, finish and klaar. After all everybody assumes the T&Cs are standard and therefore they can not be just for you alone.Report Abuse
KingMa
I am a mashonisa, 25% interestReport Abuse
MsKinkyakaKamaSutra
@MommaCLOL!
Report Abuse
dimpho_4U
@MarryMe, sometimes it might help you avoid unnecessary stress and loss of money,you can even ask a mediator or someone to explain your T & C's in your binding contractReport Abuse
2nevvy4u
@Mommac-im with you on that one again.kikikikikikikikikix98Report Abuse
Dzel
MarryMeWho cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan
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But that is the source of the problem.
Even when speaking to a tele-consultant over the phone and I am interested in the product I insist on your e-mailing me the quotation and / or T&C so I know what I am getting myself into. I refuse to enter into a verbal contract cause often you agree to a contract when not all the costs, charges and exclusions have been discussed and then you get a shock of your life when trying to claim.
Never ever enter into a contract out of desperation, know what you are getting yourself into before signing. Plus understand the product, a credit card is by design a debt trap. Stay away from such products unless you need one for things like car hire even then be prudent on how you use it, resist any temptation to increase your limit unnecessarily.
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Buc4life
Makhosini0408Morning All
This guys are being ripped off big time and whosoever is involved needs to be brought to book. I once questioned why every minute we are bombared by advertisement of loans or funeral covers. Why are we not taught to save or invest our money?
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hello M
for once, I will disagree with you. Who is responsible for teaching us to save & invest money?
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Buc4life
MommaCLOL
Now we know where all the Standard Bank staff are whilst we are waiting in lines. They are on Sowetan comments section
*wink*
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dont work for Std bank. Have sound knowledge of financial markets though.
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dimpho_4U
yah @Dzel nicely put and i like what you said "resist any temptation to increase your limit unnecessarily." ---->>credit cards a no,noReport Abuse
LESON.1
Stay away from the Banks the banks will rip you off---------------------------Report Abuse
Ann
MarryMe
Who cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan, you are just going to sign, finish and klaar. After all everybody assumes the T&Cs are standard and therefore they can not be just for you alone.
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TRUE..
Report Abuse
Buc4life
LESON.1Stay away from the Banks the banks will rip you off---------------------------
///////////////
Hello Leson.
Actually, the opposite is true. Banks will help you finance ure house, car, invest, the list is endless. You have to understand that banks are not just about borrowing money.
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LESON.1
@ SowetanMidrand Coca-cola ? You were supose to right coca-cola in Olifantsfontein ko di femeng ........(finish and klaar) Aggggg
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Bizzabo
@DzelCan ask something privately dude? bizzabo1@gmail.com
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Buc4life
AnnMarryMe
Who cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan, you are just going to sign, finish and klaar. After all everybody assumes the T&Cs are standard and therefore they can not be just for you alone.
----------------------
TRUE..
.......................
that is why ppl are so much in debt. They just sign, without understanding.
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Dzel
BizzaboCan ask something privately dude
++++++++++++++++++++++++++++++++++++++++++++++++
Sure my brother, send an email to Dzel@vodamail.co.za.
Please note I am not a financial advisor therefore will only be able to assist with a general query, if you want specifics it is best to approach people who are qualified to address such queries.
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LESON.1
Aagggggggggg here we go again- nyeeeee nyeeee nyeee nyeeee nyeeee-----------------------logging off-----------------
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m'zaco'
@dimphoi dont mean hoo tena But you seem to validate the authenticity of your belief system by other's opinions__
agg! mara no issues...
Of course Winter is best!, That matter was settled amicably_ of course somebody was hurt in the process. Now am living way better than before i could audaciously confront with no fear or favour.
Life goes on! Have a great chatting..blogging day!
conspicuous flaws litterally means * easy going, easy to live with/without*
Thank God we arent charged for blogging.....otherwise most would have sat and worked.
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Dzel
LESON.1Aagggggggggg here we go again- nyeeeee nyeeee nyeee nyeeee nyeeee
-----------------------logging off-----------------
+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
What is it now, Is your mother commanding you to go clean your room bozza?
Report Abuse
Ann
Buc4lifeAnn
MarryMe
Who cares about terms and conditions when they want the money. Even if you do read them, what does it matter if they are fishy. The point is when you know that signing is the only thing standing between you and the loan, you are just going to sign, finish and klaar. After all everybody assumes the T&Cs are standard and therefore they can not be just for you alone.
----------------------
TRUE..
.......................
that is why ppl are so much in debt. They just sign, without understanding.
-------------------
the thing is if u r desperate to get cash u dont think
Report Abuse
WarrenG
@Buc4lifeI do transfer. But it's the poor folks who don't and can't who get shafted. It can be be too expensive to hold an account for them. I am talking about developed countries. Example: we pay R11 for withdaraw from own ATM in England it's free, as it is in Oz or USA or Canada. To use another banks ATM we might pay R15, in England it's R2.20. But there are many examples. We have much more expensive bank charges. I think Canada is the only other country to charge a deposit.
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dimpho_4U
@m'zaco'..yes,yes my friend.. one's authenticity is meant to b analysed ,scrutinized and find a possible conclusion and yours is a false opinion, far from the truth.....well, i see you're not in a good space today,thou shall continue to work__easy goings there!Report Abuse
m'zaco'
people understand!in most cases we get in to debt by desperation of circumstances__ INCLUDING the high earners, let alone The rich___ most here have some debt here and there..
i could bet that most here are simply diagnosing on the basis of self-introspection.
(prescription is one::::: vacating the planet to avoid debt..................)
let a debt freee person dispute my point of view.
@buclife, How are you!!
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m'zaco'
@dimpho_4Uwhy? your tone isnt wholesome....am i being castigated sarcastically??
kikikiki...........
are you debt freee??
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LESON.1
@DzelLESON.1
Aagggggggggg here we go again- nyeeeee nyeeee nyeee nyeeee nyeeee
-----------------------logging off-----------------
+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
What is it now, Is your mother commanding you to go clean your room bozza?
=================================================
yebo you are right - now ask yourself how is my comment any of your concern? please dnt respond please
Report Abuse
SIMSWOP
Zeitgeist - Taught me a lot about money lendersI do not owe any bank money, I bought a 2 plot from my inheritance and bought 2 bakkies from SMD,
To hell with BANKS
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dimpho_4U
@m'zaco'...LOL, .I'm not game for your mind stretching debates, i'm just engaging with the contents of the article and other bloggers..nna ha ke tsebe niks..ke wena o kwatileng,haketsebe o batle eng__Report Abuse
Makhosini0408
Buc4lifeMakhosini0408
Morning All
This guys are being ripped off big time and whosoever is involved needs to be brought to book. I once questioned why every minute we are bombared by advertisement of loans or funeral covers. Why are we not taught to save or invest our money?
Report Abuse
///////////////////////
hello M
for once, I will disagree with you. Who is responsible for teaching us to save & invest money?
xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
Hello B
I am trying to question the rationale behind the over emphasis on spending more money that one does not have as opposed to the culture of saving. In short, some of us are living comfortable on borrowed time and flash it in the name of being taken seriously that "you have arrived".
On who is supposed to be teaching us, differ from backgrounds to socio economic issues. I am simple saying a radical paradigm shift is required so that our people are warned about the pitfalls and consequences of blank cheques. If we can teach our children at a young age to start saving their pocket money, they will get used to the idea of saving.
Report Abuse
OFFLIMITS
@SIMSWOPYou watch very heavy content.
Spread it as wide as possible.
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Dzel
LESON.1yebo you are right - now ask yourself how is my comment any of your concern? please dnt respond please
+=================================================================
Just wondering why you have not made your bed up considering what time it is now.
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m'zaco'
@dimpho_4Ukikiki....haaai kunzimaaaa_
Anyways i am happy. Great day ne
*wink*
@Simswop
Good for you, some of us dont like damaged vehicles...BUY new! BUUUUUUUm endebted!
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SIMSWOP
OFFLIMITSThat concept of INTEREST RATE , made me realize that we paying "air money" money that cannot be touched but circulate all over, U borrow 300k the bank already has 600k from u, so that added interest of 300 its just flowing in the air u never used it but pay back to bank
then the bank take that 300k lends to some1 else then they get another 300k "air money" from him,,,,geeeez thats a rip-off
m'zaco u right circumstances leads to hasty money lending, most here pay more than 7k p/m just for a car, thats sh1t , i put 5k every month on my trust account, so that my kids can inherit like me
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SWEETYK
@ ALLGOOD MORNING
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LESON.1
@Dzel@LESON.1
yebo you are right - now ask yourself how is my comment any of your concern? please dnt respond please
+=================================================================
Just wondering why you have not made your bed up considering what time it is now.
===================================================
Carry on and if repsonding to my comments will make you masturbates at nite- (i dn't mind)
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m'zaco'
SIMSWOPGive me a tip.......
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BiPolar
This is what we call reckless lending!! - The people are paying HIGH COMPOUNDED INTERESTS RATES!! and no one explained to them how that works. Also, we cannot rule out the possibility of fraud as the were subsequent loans which they are not aware of!! On the same breath: SA people must learn to save and stop strangling themselves with debt. How do you borrow money to pay lobola!!!??Report Abuse
SIMSWOP
m'zaco'@Simswop
Good for you, some of us dont like damaged vehicles...BUY new! BUUUUUUUm endebted!
Its all about choice - I dont invest in cars, my 2 second hand toyota riders do the job in my plot
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OFFLIMITS
@SIMSWOPDerivatives are the one instrument the big guns like The Bilderberg Group and Tri-Lateral Commission use to make generate their wealth.
They bank on ignorance, literally!
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OFFLIMITS
@TheRothchildsIf you're on line. This is our type of platform. Join in if you're there....
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BiPolar
The problem in SA is that DEBT is too accessible: you start working today and earn R5000 per month, already the Creditors/Banks/Shops open their doors to offer you credit: you buy a car, food, clothes, house on credit - things you have not really earned to impress the people you do not like with the money you do not have!! If we are to have an economic shift in favour of blacks - we need to re-shuffle our priorities and avoid debt!! It is Enslaving our people!!Report Abuse
Dzel
LESON.1Stay away from the Banks the banks will rip you off----
===========================================================
If you want to know who the real criminals are then look no further than companies like Metropolitan that promise you an investment product that does not grow your money. Actual returns are pathetic and the bulk of your money goes into paying the costs and paying commission to the agent who sold you your policy in the first place. No it is not a once off cost, for as long as the policy exists you will forever be paying that commission. By the time you wake up and start asking questions your investment would have shrunk so your return is in negative territory plus they will charge you a lump sum to cancel your policy something like 20% of the amount invested over and above the initiation fee plus the never ending commission paid to the consultant.
You are better off putting your money into a savings account that pays 2% interest per annum, at least then it will not lose value in absolute terms.
Someone made a comment about being charged for a deposit. You need to understand that every time you use a branch you are paying for the person who is assisting you, you are paying for the equipment that allows to effect that transaction, and you are paying a portion of rental costs in financial management this is called absorption costs.
I use the internet or cellphone banking for most of my transactions (payments, transfers, etc), the ATM only when I need money (again there are costs involved and it gets a bit complicated for card transactions) and only go to the branch for transaction that require face-to-face interaction like collecting a card, signing documents, etc. Even when I had temporarily misplaced my card I preferred sending the money I needed to my phone (ewallet) and then withdrawing the cash from an ATM because it is cheaper and less time consuming, best of all I did not need a card to get the money out of an ATM.
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SWEETYK
GuysWhen making a loan you must know gore o nka ya how many years and for how much.
Report Abuse
Bizzabo
SIMSWOPThat concept of INTEREST RATE , made me realize that we paying "air money" money that cannot
m'zaco u right circumstances leads to hasty money lending, most here pay more than 7k p/m just for a car, thats sh1t , i put 5k every month on my trust account, so that my kids can inherit like me
-------------
That is where the difference is , you had a good start, some of us had to start by saving money for your first car of which you need.
Report Abuse
LESON.1
DzelLESON.1
Stay away from the Banks the banks will rip you off----
===========================================================
If you want to know who the real criminals are then look no further than companies like Metropolitan that promise you an investment product that does not grow your money. Actual returns are pathetic and the bulk of your money goes into paying the costs and paying commission to the agent who sold you your policy in the first place. No it is not a once off cost, for as long as the policy exists you will forever be paying that commission. By the time you wake up and start asking questions your investment would have shrunk so your return is in negative territory plus they will charge you a lump sum to cancel your policy something like 20% of the amount invested over and above the initiation fee plus the never ending commission paid to the consultant.
You are better off putting your money into a savings account that pays 2% interest per annum, at least then it will not lose value in absolute terms.
Someone made a comment about being charged for a deposit. You need to understand that every time you use a branch you are paying for the person who is assisting you, you are paying for the equipment that allows to effect that transaction, and you are paying a portion of rental costs in financial management this is called absorption costs.
I use the internet or cellphone banking for most of my transactions (payments, transfers, etc), the ATM only when I need money (again there are costs involved and it gets a bit complicated for card transactions) and only go to the branch for transaction that require face-to-face interaction like collecting a card, signing documents, etc. Even when I had temporarily misplaced my card I preferred sending the money I needed to my phone (ewallet) and then withdrawing the cash from an ATM because it is cheaper and less time consuming, best of all I did not need a card to get the money out of an ATM.
===============================================================
Heey what is this ? do you really think for 1 bit that i have time to read this Cr@p you just published here..
(You're too obsessed for my liking.. Try Gwede Mantashe
Report Abuse
Dzel
Other companies that rip people off are furniture retailers. A small debt in the single thousands balloons into three times as much after they have charged your an exorbitantly high interest rate, included membership fees, insurance, etc into your debt and then amortise these over the life of the loan.Banks do charge a lot but trust me they are saints compared to others.
Avoid buying clothes and furniture on credit, at least clothing shops build their interest into the price of the item so it is invisible to the consumer but furniture shops are very dangerous. If you buy from Edgars for cash you are also being ripped off as you are subsidizing those who buy on credit.
That said I need to ask Vodacom why am I paying more for calls than people on prepaid.
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Dzel
Leson,I wouldn't except you to read all that, you will be risking popping a vein or two. It is meant for kids who attend the higher grade class.
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LESON.1
@SWEETYKGuys
When making a loan you must know gore o nka ya how many years and for how much.
===============================================
my skatie i hope you not talking about R10 Vodacom Airtime advance....akere/
Report Abuse
BiPolar
@BizzaboSIMSWOP
That concept of INTEREST RATE , made me realize that we paying "air money" money that cannot
m'zaco u right circumstances leads to hasty money lending, most here pay more than 7k p/m just for a car, thats sh1t , i put 5k every month on my trust account, so that my kids can inherit like me
-------------
That is where the difference is , you had a good start, some of us had to start by saving money for your first car of which you need
-----------------
The spirit of competition is driving people to get loans which in turn strangle them. We are generally not a saving nation!! You start working today, in 3 months you have a car, house, furniture, wear designer clothes - all on credit!!! The whole salary goes into servicing your debt! And because some of us are not financially literate - we end up in the DEBT TRAP --- paying, paying until the Saviour comes!
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LESON.1
DzelAiih- jy is jajarag son - iyhooo shame
Report Abuse
dimpho_4U
hahahahaa :-)) *logging off* ________________great day!Report Abuse
amdigon11
@Bucs4lifejust did a calculation and i get what you are saying. there is however a lot of information left out in this article and its understandable why a vast majority of us are saying Standard Bank is ripping them off. For example, we dont know how much interest the client's shoulf be paying the repayment period as well as if its at a fixed interest rate or not.
Report Abuse
SWEETYK
LESON.1@SWEETYK
Guys
When making a loan you must know gore o nka ya how many years and for how much.
===============================================
my skatie i hope you not talking about R10 Vodacom Airtime advance....akere/
=================================================================
I don't know you tell me leson
Report Abuse
Bizzabo
BiPolar@Bizzabo
SIMSWOP
I hear you, all I am saying is if you had a good start in a form of your parents saving up for you then things would ave been different.
Anyhow I learned my lessons boss and believe me it was not easy...that was about 8 years ago when I had to pay a credit card and other useless plastic cards.
Now I dont own a single plastic card, burnt my fingers there
Report Abuse
LESON.1
@dimpho_4Uhahahahaa :-)) *logging off* ________________great day!
===============================================
Aaahh wena- lunch this time- What's your recipe today ( Skhafthini of Pap and 1 packet of maggie 2 minute noodles? anyway Enjoy
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m'zaco'
sharp DIMPHOhave a great day/week.......**wink**
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m'zaco'
LESON.1@dimpho_4U
hahahahaa :-)) *logging off* ________________great day!
===============================================
Aaahh wena- lunch this time- What's your recipe today ( Skhafthini of Pap and 1 packet of maggie 2 minute noodles? anyway Enjoy
=========********===========
ek se budddda/sissssssssss
if only u knew whom u talking to!............shhhhhhhhh
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LESON.1
@m'zaco'you only know her in your dreams when you drunk.....
Report Abuse
m'zaco'
kwaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaReport Abuse
SWEETYK
LESON.1Dzel
Aiih- jy is jajarag son - iyhooo shame
========================================
Tlogela mona, cause wena what you know ke go shonisetsa matagwa a diset di R30.00 you don't know what to say kikikikikikikikikikiki jealousy ke mona. He is talking sense, he is a good advisor.
@Dzel
Big my brother.
Report Abuse
LESON.1
SWEETYKLESON.1
@SWEETYK
Guys
When making a loan you must know gore o nka ya how many years and for how much.
===============================================
my skatie i hope you not talking about R10 Vodacom Airtime advance....akere/
=================================================================
I don't know you tell me leson
=========================================
you know i'm only pulling your leg- Where is @Deovi ? we might learn 1 or 2 things from her today than batho bo go ratharatha o kare ba ntshiwa meno (haikhona man)
Report Abuse
Buc4life
Makhosini0408Buc4life
Makhosini0408
Morning All
This guys are being ripped off big time and whosoever is involved needs to be brought to book. I once questioned why every minute we are bombared by advertisement of loans or funeral covers. Why are we not taught to save or invest our money?
Report Abuse
///////////////////////
hello M
for once, I will disagree with you. Who is responsible for teaching us to save & invest money?
xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
Hello B
I am trying to question the rationale behind the over emphasis on spending more money that one does not have as opposed to the culture of saving. In short, some of us are living comfortable on borrowed time and flash it in the name of being taken seriously that "you have arrived".
On who is supposed to be teaching us, differ from backgrounds to socio economic issues. I am simple saying a radical paradigm shift is required so that our people are warned about the pitfalls and consequences of blank cheques. If we can teach our children at a young age to start saving their pocket money, they will get used to the idea of saving
............................
I hear u, but business will spot an opportunity to promote products. they are just doing what they have to do.
I really think that we, as in Africans, are our worst enemies. We try too hard to impress others with what we dont have. So, the paradigm shift yes, but it is up to us parents, individuals, to teach ourselves about finance. we need to start and nurture that culture of looking after our money, instead of buying till we drop, to impresss people who dont matter.
Report Abuse
Dzel
Thank you SweetyK.Report Abuse
dimpho_4U
LESON.1@dimpho_4U
hahahahaa :-)) *logging off* ________________great day!
===============================================
Aaahh wena- lunch this time- What's your recipe today ( Skhafthini of Pap and 1 packet of maggie 2 minute noodles? anyway Enjoy
--------------------------------------------
hahhaha ,dude is CRAY hey wena Leson, i told you yesterday you should consider becoming comedian kikiki :-)
Report Abuse
nono10
they should have change their banking details when they finished paying off what they owed.Report Abuse
BiPolar
@BizzaboBiPolar
@Bizzabo
SIMSWOP
I hear you, all I am saying is if you had a good start in a form of your parents saving up for you then things would ave been different.
Anyhow I learned my lessons boss and believe me it was not easy...that was about 8 years ago when I had to pay a credit card and other useless plastic cards.
Now I dont own a single plastic card, burnt my fingers there
--------
Congratulations!! You are now a FREE Person!! I also don't have a single debt whatsoever. However, I also paid my school fees by getting my fingers burnt! I tried to keep up the appearance with the Jones' - to my detriment. Today, all the money i make is mine and i am proud that i can save and don't have creditors haunting me ---
Report Abuse
LESON.1
SWEETYK
LESON.1
Dzel
Aiih- jy is jajarag son - iyhooo shame
========================================
Tlogela mona, cause wena what you know ke go shonisetsa matagwa a diset di R30.00 you don't know what to say kikikikikikikikikikiki jealousy ke mona. He is talking sense, he is a good advisor
=============================================
he's talking 1c sense to you not me - You sound in love now ....
Report Abuse
m'zaco'
@comediaaaaaaaaaaaaaaaanYou have a yacky taste of comedy..........................even Nick Rabinowitz is 1203% better...
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eKapa
hello SweetkReport Abuse
Dzel
Leson,he's talking 1c sense to you not me - You sound in love now ....
=============================================
Even if that were true how is it any of your concern kind sir?
Report Abuse
Buc4life
amdigon11@Bucs4life
just did a calculation and i get what you are saying. there is however a lot of information left out in this article and its understandable why a vast majority of us are saying Standard Bank is ripping them off. For example, we dont know how much interest the client's shoulf be paying the repayment period as well as if its at a fixed interest rate or not.
///////////////
Yes, I hear you.. But, i think that ppl must just think for themselves. It goes without saying that if you repay something over a longer period, you will pay more interest.
the problem with the press is that they always want to fuel the situation up, to make someone look bad. So, I never really believe anything I read from the papers, until the truth comes out or at least before I figure it out myself.
Report Abuse
SWEETYK
Mzansi let us save money and try by all means to buy in cash. I know we don't have money but open a 32 days account and save le R300.00 esharp for maybe two years. Ka R7200.00 you can buy something for yourself. Then if you want a car you can budget for it le ge ekaba for 5 years it's Ok unlike credit njalo nje no no no.Report Abuse
LESON.1
@Dzel@Leson,
he's talking 1c sense to you not me - You sound in love now ....
=============================================
Even if that were true how is it any of your concern kind sir?
============================================
Cos you G@y and SOMIZI will not like it at all.... Jy hoer
Report Abuse
LESON.1
@m'zaco'Wena you looking for love on sowetan that's all - gud luck
Report Abuse
SWEETYK
eKapahello Sweetk
=========================
Hello my love how are you doing it today?
Report Abuse
dimpho_4U
LESON.1 please stop smoking those dried tea bags in the morning LOL o tlo re photela ka moo.Report Abuse
m'zaco'
@lessonbathong.............
why do you think so?? very perculiar observation__ expound
Report Abuse
BiPolar
@Buc4lifeI hear u, but business will spot an opportunity to promote products. they are just doing what they have to do.
I really think that we, as in Africans, are our worst enemies. We try too hard to impress others with what we dont have. So, the paradigm shift yes, but it is up to us parents, individuals, to teach ourselves about finance. we need to start and nurture that culture of looking after our money, instead of buying till we drop, to impresss people who dont matter.
--------
You are singing my tune!! The sad part is that as Africans we are a consuming nation!! We do not invent or manufacture most of the things we buy with our money - we are enriching caucasian capitalists or of other colour. Adding salt to injury: we consume on credit!! and this turns us into Economic Slaves!!
Report Abuse
dimpho_4U
LESON.1@m'zaco'
Wena you looking for love on sowetan that's all - gud luc
-----------------------------------
hahahaha *dying*
Report Abuse
SWEETYK
LESON.1SWEETYK
LESON.1
Dzel
Aiih- jy is jajarag son - iyhooo shame
========================================
Tlogela mona, cause wena what you know ke go shonisetsa matagwa a diset di R30.00 you don't know what to say kikikikikikikikikikiki jealousy ke mona. He is talking sense, he is a good advisor
=============================================
he's talking 1c sense to you not me - You sound in love now ....
===========================================================
That 1c sense makes me think 1million time before taking a credit. Yes I'm in love you know mooss, and I will talk about the person sick ela ya gago ya mona e be e thoma akere?
Report Abuse
Buc4life
m'zaco'people understand!
in most cases we get in to debt by desperation of circumstances__ INCLUDING the high earners, let alone The rich___ most here have some debt here and there..
i could bet that most here are simply diagnosing on the basis of self-introspection.
(prescription is one::::: vacating the planet to avoid debt..................)
let a debt freee person dispute my point of view.
@buclife, How are you!!
...............
Mzaco. Im fine., and u
Report Abuse
SWEETYK
@ DeOviWhere are you babes?
Report Abuse
m'zaco'
@dimphowa e bona comedian ye ya hao??...........ya nsokela!
@Buclife
i am happy My sister and you...i see many need you views___ happy to hear from you.
@lesson
kikikiki...waiting for you response regarding that observation you posed....kwakwakwa, Nna mara!! Tjoo
Report Abuse
OFFLIMITS
Buc4life"and this turns us into Economic Slaves!!"
.............
This is what has left Economic Hitman panting to the point of drooling. We've welcomed their capitalist ways with open-arms by the way we conduct our finances.
Report Abuse
eKapa
SWEETYKeKapa
hello Sweetk
=========================
Hello my love how are you doing it today?
~~~~~~~~~
in doing fine ma luv, jst that its freezng down here also my *** is losing its size ya shrinka and i dont hav a talking steam iron to bring it back to normal size.
mara wena howzit?
Report Abuse
LESON.1
@m'zaco'@lesson
bathong.............
why do you think so?? very perculiar observation__ expound
================================
Your comments are trying to charm 1 person and believe me you need to act fast before sowetan blocks you..
Report Abuse
SWEETYK
@DzelBig my brother.
===================
Big up my brother (I meant). Hei segowa le sona sorry for my engrish.
Report Abuse
LESON.1
@dimpho_4ULESON.1 please stop smoking those dried tea bags in the morning LOL o tlo re photela ka moo.
=====================================================
did i offended you? if you looking for advise we do have some specialist here- you can make friends it is for free.....
Report Abuse
m'zaco'
@lesonwho is that Lucky person!!!!.....?
kikikikikikikiki.........
Report Abuse
LESON.1
SWEETYKLESON.1
SWEETYK
LESON.1
Dzel
Aiih- jy is jajarag son - iyhooo shame
========================================
Tlogela mona, cause wena what you know ke go shonisetsa matagwa a diset di R30.00 you don't know what to say kikikikikikikikikikiki jealousy ke mona. He is talking sense, he is a good advisor
=============================================
he's talking 1c sense to you not me - You sound in love now ....
===========================================================
That 1c sense makes me think 1million time before taking a credit. Yes I'm in love you know mooss, and I will talk about the person sick ela ya gago ya mona e be e thoma akere?
======================================
Like i said to YOU NOT ME--
His comments di nale after taste more like Grand- Pa (powder)
Report Abuse
SWEETYK
eKapaSWEETYK
eKapa
hello Sweetk
=========================
Hello my love how are you doing it today?
~~~~~~~~~
in doing fine ma luv, jst that its freezng down here also my *** is losing its size ya shrinka and i dont hav a talking steam iron to bring it back to normal size.
mara wena howzit?
========================================================
Kikikikikikikikiki o thomile akere kwakwakwakwaaa I'm imagining things now kikiikikikikikiki I like it shooo at long last ka be ka tshega.
Take a kettle and boil water, remove the lid and you know mosss squad it will retain its size O SELE maaaan.
Not that bad, is not that cold today love.
Report Abuse
dimpho_4U
hai nna @LESON.1 ha ke tsebe niks....sala le tsona ditaba tsa hao...Report Abuse
Buc4life
WarrenG@Buc4life
I do transfer. But it's the poor folks who don't and can't who get shafted. It can be be too expensive to hold an account for them. I am talking about developed countries. Example: we pay R11 for withdaraw from own ATM in England it's free, as it is in Oz or USA or Canada. To use another banks ATM we might pay R15, in England it's R2.20. But there are many examples. We have much more expensive bank charges. I think Canada is the only other country to charge a deposit.
....................................
It is expensive to run a bank in this country, I agree. But, i think some costs can be justified. Deposit fees are related to security. Someone has to physically handle that cash. So, risk is high in this country- due to crime. Other bank charges for example, if u transact inside the bank, you are charged more. Reason is that it takes more manpower for you to be assisted. this makes sense, cause if you look at customers at the lower end of the scale, they always charged more because they always want to go inside to bank- there are alternatives. Cellphone banking is accessible to any cellphone user, and it us free with some banks.
So you cannot compare developed to developing countries. They are not the same.
Report Abuse
SWEETYK
=============================================he's talking 1c sense to you not me - You sound in love now ....
===========================================================
That 1c sense makes me think 1million time before taking a credit. Yes I'm in love you know mooss, and I will talk about the person sick ela ya gago ya mona e be e thoma akere?
======================================
Like i said to YOU NOT ME--
His comments di nale after taste more like Grand- Pa (powder)
=================================================
Mona o bodisa kelello mfana, you have a huge problem le this guy I don't know gore o mmatla eeeng?
Report Abuse
BiPolar
@OFFLIMITSBuc4life
"and this turns us into Economic Slaves!!"
.............
This is what has left Economic Hitman panting to the point of drooling. We've welcomed their capitalist ways with open-arms by the way we conduct our finances.
---------
We will not make any impact if we continue to live under the caucasian 'capitalism' ways - it will take us the black majority who are mostly the victims to wake up and CHANGE our relationship with money and avoid debt at all cost! -- (Financial) Education is CRITICAL to set people free economically - and that is true freedom! If we were enriching other blacks with this credit - it will be another thing!! Other races hardly buy from black-owned businesses!! Show-off which is directly linked to credit - is killing our nation.
Report Abuse
LESON.1
m'zaco'@leson
who is that Lucky person!!!!.....?
kikikikikikikiki.........
================================
Lucky person are you kidding me ??????? if she can meet you face to face - she will run away but if you did managed to get that license for being that ugly- it might work
Report Abuse
m'zaco'
@dimpho_4Uhai nna @LESON.1 ha ke tsebe niks....sala le tsona ditaba tsa hao...
==========
kwakwakwakwa..........dimpho, wait!! he doesnt mean you...haau, he hasnt said any name!
ha itse nthoe a buang ka yone....
kwakwakwakwa!
definitely he doesnt mean you or buclife__ only ladies i spoke to...
Report Abuse
dimpho_4U
@m'zaco' "brother" o buang ka eng jwale..ke bual LESON.1 ignore this puppy...wa rata ho provokanaReport Abuse
m'zaco'
LESON.1kikikikikiki..............
u mean ek is baie lelik ne??? gee my jou email...laat ek my foto stuur! ek lyk soos my afataar...................
wie is die wffie want jy praat van?........kwakwakwakwakwa
Report Abuse
SWEETYK
@ Leson1Let's give credit were is due papa and o tlogele go ba le kwaaal hahahahahahaha kkikikikikikikikiki Solly Vista and Mzekezeke will tell you gore tlogela kwaaal boootthhh hayi maan booossss.
Report Abuse
SIMSWOP
Dont let your wealth(net value) be on negative (R-) amountLet your Assets be 5 times more than your Liabilities
Report Abuse
LESON.1
@dimpho_4Uhai nna @LESON.1 ha ke tsebe niks....sala le tsona ditaba tsa hao...
=====================================
if you looking for advise on how to
1. recharge airtime
2. pay your traffic fines
3. buy a metro rail monthly, single, return, weekly tickets what so ever talk to @Dzel the list goes on adn on and on ------ke specialist
Report Abuse
SWEETYK
dimpho_4Uhai nna @LESON.1 ha ke tsebe niks....sala le tsona ditaba tsa hao...
======================================================
I told you two weeks back that o rata go votha. Kikikikikiki
Report Abuse
m'zaco'
@dimphokikikiki....PUPPYsnoooopy______ chihuahua!!! kwakwakwakwakwakwa
@leson
wa utlwa gathwee o ntjanyana......kikikiki
Puppy is not the name of a doll buddy! means small dog.........doggie!! kwakwaaaaaaaaa
Report Abuse
LESON.1
@SWEETYK@ Leson1
Let's give credit were is due papa and o tlogele go ba le kwaaal hahahahahahaha kkikikikikikikikiki Solly Vista and Mzekezeke will tell you gore tlogela kwaaal boootthhh hayi maan booossss.
==========================================
You now starts to sound like a kwaito artist - when is your solo album coming out ?
Report Abuse
malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAAReport Abuse
eKapa
SWEETYKeKapa
SWEETYK
eKapa
hello Sweetk
=========================
Hello my love how are you doing it today?
~~~~~~~~~
in doing fine ma luv, jst that its freezng down here also my *** is losing its size ya shrinka and i dont hav a talking steam iron to bring it back to normal size.
mara wena howzit?
========================================================
Kikikikikikikikiki o thomile akere kwakwakwakwaaa I'm imagining things now kikiikikikikikiki I like it shooo at long last ka be ka tshega.
Take a kettle and boil water, remove the lid and you know mosss squad it will retain its size O SELE maaaan.
Not that bad, is not that cold today love
~~~~~~~~~~~~~~~~~~~~~~
dont judge me nhe, im NOT that kind of a person but think i must go and buy mag*sha jst to give me BJ to steam it to the normal size, im very worried ka yona maan...eish
no thanks as long usaphefumula..
Report Abuse
Candyboy
@SWEETYKI told you two weeks back that o rata go votha. Kikikikikiki
+++++++++++++++++
u r very dom wena.........you are only here for 1 week.......so how could you have told her that 2 weeks ago...?
Report Abuse
LESON.1
m'zaco'LESON.1
kikikikikiki..............
u mean ek is baie lelik ne??? gee my jou email...laat ek my foto stuur! ek lyk soos my afataar...................
wie is die wffie want jy praat van?........kwakwakwakwakwa
===============================
For me to see your foto - i will need to use my magnifying glass...
Report Abuse
BiPolar
@malemaforpresidentGUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!!
Report Abuse
SWEETYK
m'zaco'@dimpho
kikikiki....PUPPYsnoooopy______ chihuahua!!! kwakwakwakwakwakwa
@leson
wa utlwa gathwee o ntjanyana......kikikiki
Puppy is not the name of a doll buddy! means small dog.........doggie!! kwakwaaaaaaaaa
================================================================
Kikikikikikikikiiiii kwakwkawkawkaawaaakwakwakwkawka ncsissssss ha diba lona ppppppppp ncssssss. Kikikikikikikikikikiki top dog ntja e kgolo. I love this.
Report Abuse
Candyboy
@malemaforpresidentGUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
+++++++++++++++++++++++++++++++++++++++++
its simple baba.....our Govt. are a bunch puss!es and are owned by the Nigerians....Mentally & Monetary the Nija's has our officials in their pockets bru.....!!!!
Report Abuse
SWEETYK
Candyboy@SWEETYK
I told you two weeks back that o rata go votha. Kikikikikiki
+++++++++++++++++
u r very dom wena.........you are only here for 1 week.......so how could you have told her that 2 weeks ago...?
============================================================
Wa phapha wena o qadile go ntseba last week o mphaphela stjuzi ke wena ask him gore o ntsebile neng.
Report Abuse
LESON.1
@SWEETYK@m'zaco'
@dimpho
kikikiki....PUPPYsnoooopy______ chihuahua!!! kwakwakwakwakwakwa
@leson
wa utlwa gathwee o ntjanyana......kikikiki
Puppy is not the name of a doll buddy! means small dog.........doggie!! kwakwaaaaaaaaa
================================================================
Kikikikikikikikiiiii kwakwkawkawkaawaaakwakwakwkawka ncsissssss ha diba lona ppppppppp ncssssss. Kikikikikikikikikikiki top dog ntja e kgolo. I love this.
==================================
Like @Candyboy said u very dom- you laugh at anything even when your phone rings........(shame)
Report Abuse
SWEETYK
LESON.1@SWEETYK
@m'zaco'
@dimpho
kikikiki....PUPPYsnoooopy______ chihuahua!!! kwakwakwakwakwakwa
@leson
wa utlwa gathwee o ntjanyana......kikikiki
Puppy is not the name of a doll buddy! means small dog.........doggie!! kwakwaaaaaaaaa
================================================================
Kikikikikikikikiiiii kwakwkawkawkaawaaakwakwakwkawka ncsissssss ha diba lona ppppppppp ncssssss. Kikikikikikikikikikiki top dog ntja e kgolo. I love this.
==================================
Like @Candyboy said u very dom- you laugh at anything even when your phone rings........(shame)
=====================================================================
Kwakwakwakwwkaawaa kwakwkawkawkw kikikikikikikikiki o dom san.
Report Abuse
Makhosini0408
@Buc4lifeI like what Warren Buffett says on the subject.
Stay away from credit cards (bank loans) and invest on yourself and remember:
Money does not create man but it is the man who created money.
Live your life as simple as you are.
Do not do what others say, but listen to them and do what feels good.
Do not go on brand name, just wear those things in which you feel comfortable
Do not waste your money on unnecesary things, just spent it on those who are really in need rather
After all its your life why give chance to others to rule your life.
Report Abuse
Candyboy
@BiPolar@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!!
++++++++++++++++++++=
makes no diff where the article is.....our country is owned by the Nija's...all to the top of our govt officials....wake up man.....drug money is needed to keep the whole worlds economy from imploding and foot soldiers are needed to make this happen and distract the Airport officials from catching the big fish at the terminals......it will never change.
Report Abuse
LESON.1
@dimpho_4UAll day I thought of you....I was at the zoo.
Report Abuse
Candyboy
@LESON.1@dimpho_4U
All day I thought of you....I was at the zoo.
++++++++++++++++++++++++++++
lokl...was she the one with trying to immitate the polar bear:-)
Report Abuse
SWEETYK
========================================================Kikikikikikikikiki o thomile akere kwakwakwakwaaa I'm imagining things now kikiikikikikikiki I like it shooo at long last ka be ka tshega.
Take a kettle and boil water, remove the lid and you know mosss squad it will retain its size O SELE maaaan.
Not that bad, is not that cold today love
~~~~~~~~~~~~~~~~~~~~~~
dont judge me nhe, im NOT that kind of a person but think i must go and buy mag*sha jst to give me BJ to steam it to the normal size, im very worried ka yona maan...eish
no thanks as long usaphefumula..
===========================================================
Don't be worried akere eba jalo when is cold or when you swim kapa?
Ngi sa phefumula babes, so hlala sigudla esethu le skhundla.
Report Abuse
Buc4life
Makhosini0408@Buc4life
I like what Warren Buffett says on the subject.
Stay away from credit cards (bank loans) and invest on yourself and remember:
Money does not create man but it is the man who created money.
Live your life as simple as you are.
Do not do what others say, but listen to them and do what feels good.
Do not go on brand name, just wear those things in which you feel comfortable
Do not waste your money on unnecesary things, just spent it on those who are really in need rather
After all its your life why give chance to others to rule your life.
..................................
Yes, very true. I just wish we Africans could realise that and stop being materialistic.
Report Abuse
dimpho_4U
LESON.1@dimpho_4U
All day I thought of you....I was at the zoo.
---------------------------------------
oh i remember you, you're the one i gave a banana behind a cage..at the zoo
Report Abuse
m'zaco'
LESON.1@dimpho_4U
All day I thought of you....I was at the zoo.
===============
aggg! rest my case___ Dimpho is correct!...
i got a good lesson, that lesson is some fellows need a lesson of a lesson.1
cheers! i have passed the leson.1....
Report Abuse
Candyboy
@SWEETYKu dropped sumthing on the floor.
Report Abuse
Bizzabo
Makhosini0408@Buc4life
I like what Warren Buffett says on the subject.
Stay away from credit cards (bank loans) and invest on yourself and remember:
Money does not create man but it is the man who created money.
Live your life as simple as you are.
Do not do what others say, but listen to them and do what feels good.
Do not go on brand name, just wear those things in which you feel comfortable
Do not waste your money on unnecesary things, just spent it on those who are really in need rather
After all its your life why give chance to others to rule your life
-------------------------
Mchana have you ever seen a good replay jean/ shoes? not easy boy
Report Abuse
Candyboy
@m'zaco'heita bosso......how you doing vandag weakling.....?
Report Abuse
dimpho_4U
tjo,tjo zaco bar o weakling aa aa maan....Report Abuse
LESON.1
@m'zaco'LESON.1
@dimpho_4U
All day I thought of you....I was at the zoo.
===============
aggg! rest my case___ Dimpho is correct!...
i got a good lesson, that lesson is some fellows need a lesson of a lesson.1
cheers! i have passed the leson.1....
==============================================
Wena i told you - you too slow eish c'mon now why don't you pay 3 frozen Farmer Brown chickens as part of @dimpho_4U's lobola.....(clock is ticking - tik tok tik tok) hurrrrrrry up
Report Abuse
Dzel
Another thing that needs to be discussed is spending patterns.Women tend to buy property when still in their 20s and single.
Guys tend to stay longer at home some well into their 30s and buy an expensive car to impress amantombazane. Guys tend to buy property in their 30s often as joint applicants with the spouse. One is an asset the other a liability that depreciates in value.
Mara you girls also don't help in this situation. If a guy angakushela now ahamba ngezinyawo it is probable you will say no but if the same guy comes back 30 minutes later driving a flashy car chances are it will be you wishing ukuthi akushele and this is the same guy omale 30 minutes before.
Why is that?
Report Abuse
SWEETYK
Candyboy@SWEETYK
u dropped sumthing on the floor.
============================================
It's your picture ka gore ke tla go etsang tsala mare? O tweba ya senatla mooss.
Report Abuse
BiPolar
@Candyboy@BiPolar
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!!
++++++++++++++++++++=
makes no diff where the article is.....our country is owned by the Nija's...all to the top of our govt officials....wake up man.....drug money is needed to keep the whole worlds economy from imploding and foot soldiers are needed to make this happen and distract the Airport officials from catching the big fish at the terminals......it will never change.
--------------------------------
I have travelled half the world and have noticed that most of the black people in foreign countries, Europe, Asia, Islands, USA, Africa are Nigerians -- pushing the drug business and hiding behind 'phone shops', 'salons', 'mini-supermarkets'. In SA they are only lucky because our officials are corrupt to accept bribes - however, the drug business and nigerians in S.A. are not adding to our economy - they do not pay tax, they are untraceable as they are using fake everything! One wonders if the very drugs are not fake too!! Nigerian are manipulative and marry our sisters to turn them into drug mules - which they cannot resist after they have 'f@cked' their brains out!! I know a girl that used to be my neighbour - she is now in a jail in Afghanistan. People must be aware that this is an international syndicate funded by the dr@g lord mafias!!
Report Abuse
Luv2kiss
malemaforpresidentGUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
We reading comments on to curb splashing more n avoid over spending , then wena u tell us with page 6, is this relevant to this article ! or where can i find that pg6
Report Abuse
dimpho_4U
BiPolar@Candyboy
@BiPolar
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!!
++++++++++++++++++++=
makes no diff where the article is.....our country is owned by the Nija's...all to the top of our govt officials....wake up man.....drug money is needed to keep the whole worlds economy from imploding and foot soldiers are needed to make this happen and distract the Airport officials from catching the big fish at the terminals......it will never change.
-------------------------------------
where is the article ????
sweety hahahah LOL tweba ya senatla
Report Abuse
SWEETYK
dimpho_4ULESON.1
@dimpho_4U
All day I thought of you....I was at the zoo.
---------------------------------------
oh i remember you, you're the one i gave a banana behind a cage..at the zoo
==================================================================
Tjo tjo tjo tjo tjo Leson ke kopa go tshega tuuu?
Report Abuse
malemaforpresident
Candyboy@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
+++++++++++++++++++++++++++++++++++++++++
its simple baba.....our Govt. are a bunch puss!es and are owned by the Nigerians....Mentally & Monetary the Nija's has our officials in their pockets bru.....!!!!
===============================================
I AM STILL SHOCKED REALLY SHOCKED[while in Brazil Hilda said some women had tried to escape but were found out by the Nigerians.No body knows what happened to those women. she said the Nigerians could even attack my family in South Africa if they thought i was a threat to their activities.She also said the Nigerians who were selling drugs were very well connected world wide, including South Africa. They had a lot of money to bribe the police and even politicians. She said nothing would happen to them if i got killled.Even the owner of the hotel where we stayed was possibly a friend of the Nigerians and could not go and report to him to call the police.She also said the Nigerians had friends in many international airports and would know if i reported at the airport that i was being forced to deliver drugs. when sent on a mission some one would follow] I think the World would be better without these Nigerians and i pray God to delete Nigeria from Africa and put it some where in Hell
Report Abuse
Candyboy
why do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-)Report Abuse
Dzel
SWEETYKMona o bodisa kelello mfana, you have a huge problem le this guy I don't know gore o mmatla eeeng?
=================================================
Leson ke attention seeker, the best way to deal with him is to ignore him complete o bone otlo hlanya jwang. Parents, this is what happens to your kid when you don’t tell them you love them enough be warned.
Report Abuse
LESON.1
@DzelI want to buy some baby pampers – which store is cheaper and should I swipe my card or use cash ?
Please advise - ASAP
Report Abuse
Letsopa
A loan to get married....women can push into a pool of debt...Hate itReport Abuse
Dzel
LESON.1@Dzel
I want to buy some baby pampers – which store is cheaper and should I swipe my card or use cash ?
===============================================================
You mean there is a mini-you running around out there. Mara modimo can be cruel sometimes waitse.
Poor kid.
Report Abuse
WarrenG
@Buc4lifeI do transfer. But it's the poor folks who don't and can't who get shafted. It can be be too expensive to hold an account for them. I am talking about developed countries. Example: we pay R11 for withdaraw from own ATM in England it's free, as it is in Oz or USA or Canada. To use another banks ATM we might pay R15, in England it's R2.20. But there are many examples. We have much more expensive bank charges. I think Canada is the only other country to charge a deposit.
Report Abuse
LESON.1
SWEETYKdimpho_4U
LESON.1
@dimpho_4U
All day I thought of you....I was at the zoo.
---------------------------------------
oh i remember you, you're the one i gave a banana behind a cage..at the zoo
==================================================================
Tjo tjo tjo tjo tjo Leson ke kopa go tshega tuuu?
===========================================
submit another comment and laugh -------
Report Abuse
SWEETYK
@ Dimpho-4Uwhere is the article ????
sweety hahahah LOL tweba ya senatla
=======================================
Wa mphaphela sir makaka ooo taba.
Report Abuse
dimpho_4U
hahah @Sweety ska kwata maan. ke mahlanya a mona___mara wena @LESON.1 and mzaco might be the same person with two usernames i bet!! la tswana maanReport Abuse
SWEETYK
DzelSWEETYK
Mona o bodisa kelello mfana, you have a huge problem le this guy I don't know gore o mmatla eeeng?
=================================================
Leson ke attention seeker, the best way to deal with him is to ignore him complete o bone otlo hlanya jwang. Parents, this is what happens to your kid when you don’t tell them you love them enough be warned.
==========================================================================
Hai hai nna ka tshega iyo kikikikikikikikikikiki lack of parental love kwakwakwwakaakwaka ho salang leson1 a ka sentjhape kikikikikikikikikikiki o sdena sa ngwana.
Report Abuse
LESON.1
DzelSWEETYK
Mona o bodisa kelello mfana, you have a huge problem le this guy I don't know gore o mmatla eeeng?
=================================================
Leson ke attention seeker, the best way to deal with him is to ignore him complete o bone otlo hlanya jwang. Parents, this is what happens to your kid when you don’t tell them you love them enough be warned.
===========================================
you see the results of passing matric ka supplementary -- ( i rest my case of 24 cans of Heineken)
Report Abuse
Dzel
DzelLESON.1
@Dzel
I want to buy some baby pampers – which store is cheaper and should I swipe my card or use cash ?
===============================================================
Let me answer this question seriously, I can't answer on which store is cheaper but surely when it comes to price it does not change based on the method of payment, does it Einstein?
Report Abuse
Candyboy
@SWEETYKCandyboy
@SWEETYK
u dropped sumthing on the floor.
============================================
It's your picture ka gore ke tla go etsang tsala mare? O tweba ya senatla mooss.
+++++++++++++++++++++++++++++++++
ja neh........its very difficult to walk around with chloroform as brain cells
Report Abuse
eKapa
SWEETYKfine ma luv, did you see Galfrend waka?
Report Abuse
SWEETYK
Candyboywhy do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-)
================================================================
mxn life ya bogay wa gafa wena o tlwaetse go casha batho, how can you get that thing you are after if you don't have money? O opportunist choma.
Report Abuse
m'zaco'
@dimphoha nale babang you dont have to engage even a bit le bone! otherwise you will drag your pedigree__ so ke a avoida!
lesson i have learnt:
when you fight a dog for a narrow alley, you may win but you will remain with flees!....
sharp Lady!
Report Abuse
LESON.1
DzelDzel
LESON.1
@Dzel
I want to buy some baby pampers – which store is cheaper and should I swipe my card or use cash ?
===============================================================
Let me answer this question seriously, I can't answer on which store is cheaper but surely when it comes to price it does not change based on the method of payment, does it Einstein?
========================================================
i thought you already answered that- You seems like a very nice guy but your problem is 1 thing and 1 thing only, why do you wear your sister's underwears ?
Report Abuse
dimpho_4U
@m'zaco'...please avoid me ,ha ke lwane ska wenaReport Abuse
SWEETYK
eKapaSWEETYK
fine ma luv, did you see Galfrend waka?
=======================================
No lovey, where is she vele?
Report Abuse
LESON.1
@m'zaco'@dimpho
ha nale babang you dont have to engage even a bit le bone! otherwise you will drag your pedigree__ so ke a avoida!
lesson i have learnt:
when you fight a dog for a narrow alley, you may win but you will remain with flees!....
sharp Lady!
===========================================
Hamba weeeena --- tjoooo tjoooooo
What difference do you think your All-Star and Dickies comments is going to make??..
Report Abuse
Candyboy
@BiPolar@Candyboy
@BiPolar
@malemaforpresident
GUYS I WANT EVERY BODY TO READ A 6 PAGE SWORN STATEMENT BY NOLUBABALO NOBANDLA TO NTSIKELELO JOSEPH SANDI HER CASE IN THE CRIMINAL COURT OF BANGKOK THAILAND AND COME UP WITH REASONS WHY DO WE STILL HAVE NIGERIANS IN THIS COUNTRY AT THIS DAY IN TIME NXAAA
---------------------
where is the article - that is a topic close to my heart!!
++++++++++++++++++++=
makes no diff where the article is.....our country is owned by the Nija's...all to the top of our govt officials....wake up man.....drug money is needed to keep the whole worlds economy from imploding and foot soldiers are needed to make this happen and distract the Airport officials from catching the big fish at the terminals......it will never change.
--------------------------------
I have travelled half the world and have noticed that most of the black people in foreign countries, Europe, Asia, Islands, USA, Africa are Nigerians -- pushing the drug business and hiding behind 'phone shops', 'salons', 'mini-supermarkets'. In SA they are only lucky because our officials are corrupt to accept bribes - however, the drug business and nigerians in S.A. are not adding to our economy - they do not pay tax, they are untraceable as they are using fake everything! One wonders if the very drugs are not fake too!! Nigerian are manipulative and marry our sisters to turn them into drug mules - which they cannot resist after they have 'f@cked' their brains out!! I know a girl that used to be my neighbour - she is now in a jail in Afghanistan. People must be aware that this is an international syndicate funded by the dr@g lord mafias!!
++++++++++++++++++++++++++++++++++++++++++++++++=
agree... but as for the economies...well not directly to the SA economy....however, we are all dependant as to what happens on the NYSE and with the US Dollar....if that implodes, we are all focked world wide.....did you know that most of the senior officials on wall street was previous CIA agents...did you know that those CIA agents directly invests 90% of the South American drug cartel money into wall street....did you know that the USA Army is overseeing the manufacturing of opium in the middle east....you connect the dots buddy....dirty oil & drug money is keeping us all a float.
Report Abuse
dimpho_4U
@LESON.1 Sharp mon.key tricks shwiiiiiing :-) i see you!!Report Abuse
LESON.1
@dimpho_4U@m'zaco'...please avoid me ,ha ke lwane ska wena
============================================
you see i told you to save your breath...Now you just blow up your date.
Report Abuse
SWEETYK
dimpho_4Uhahah @Sweety ska kwata maan. ke mahlanya a mona___mara wena @LESON.1 and mzaco might be the same person with two usernames i bet!! la tswana maan
========================================================================
A ka kwata my love, I know them (leson and tsala yame ya tlhogo e popota candyboy) I once told Leson1 gore o antse letswele la letlhanya a wa ka tlhogo that is why a le sona. No do understand him shame.
Report Abuse
LESON.1
@dimpho_4U@LESON.1 Sharp mon.key tricks shwiiiiiing :-) i see you!!
===============================
before i forgot you can mix those maggie 2 minute noodles with your 4 false yellow teeth- you will replace them when you get paid ? anyway Enjoy again
Report Abuse
Dzel
Leson,We can carry on this pointless back and forth for the rest of the day or you can grow up and start acting like the adult I hope we all are in this forum.
Peter De Villiers once said something to this effect: “there is no cure for stupidity, you can go to the chemist and they will not have a pill or cure for you”. You are deliberately being obtuse, for some reason you think you are funny but you are not. All you are is an irritant to right thinking forum members and an embarrassment to the forum, if you think this is funny then I can’t help you.
You think saying I wear my sisters under wear is funny?
Not funny my brother, just stupid now please grow up.
I see no point in entertaining you any longer and anything you say will now be ignored.
Report Abuse
eKapa
SWEETYKeKapa
SWEETYK
fine ma luv, did you see Galfrend waka?
=======================================
No lovey, where is she vele?
~~~~~~~~
i hav been looking for her ka nqena le ka nqena a ke mo bone. mayb oa gula
Report Abuse
SWEETYK
eKapaSWEETYK
eKapa
SWEETYK
fine ma luv, did you see Galfrend waka?
=======================================
No lovey, where is she vele?
~~~~~~~~
i hav been looking for her ka nqena le ka nqena a ke mo bone. mayb oa gula
=============================================================
I miss her or maybe the topic is boring for her to comment or tenwa ke mafeega a sa naganeng amoo.
Report Abuse
Candyboy
@SWEETYKCandyboy
why do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-)
================================================================
mxn life ya bogay wa gafa wena o tlwaetse go casha batho, how can you get that thing you are after if you don't have money? O opportunist choma.
+++++++++++++++++++++++++++++++++++++++
unlike you wena...I AM NOT DOM...and use my brains if I need or want sumthing.....my brain is more powerful thal all the amount of money in this world....you on the other have hydrochloric acid cells for brains.
Report Abuse
m'zaco'
aggggggg sowetan!~Report Abuse
LESON.1
DzelLeson,
We can carry on this pointless back and forth for the rest of the day or you can grow up and start acting like the adult I hope we all are in this forum.
Peter De Villiers once said something to this effect: “there is no cure for stupidity, you can go to the chemist and they will not have a pill or cure for you”. You are deliberately being obtuse, for some reason you think you are funny but you are not. All you are is an irritant to right thinking forum members and an embarrassment to the forum, if you think this is funny then I can’t help you.
You think saying I wear my sisters under wear is funny?
Not funny my brother, just stupid now please grow up.
I see no point in entertaining you any longer and anything you say will now be ignored.
====================================================
i told u this morning to leave me alone - akere wena you know too much....
Call the cops....
Report Abuse
Dzel
CandyBoy,..you on the other have hydrochloric acid cells for brains.
++++++++++++++++++++++++++++++++++++++++++++++
Sure my brother. Where has all the charm gone, play nice. SweetyK seems like a reasonable individual unless i am missing something here.
Report Abuse
SWEETYK
You think saying I wear my sisters under wear is funny?Not funny my brother, just stupid now please grow up.
I see no point in entertaining you any longer and anything you say will now be ignored.
===================================================================
Akere a re ke rata go tshega but I didn't laugh at this one why? Because it was boring and tedious.
Report Abuse
Dzel
LESON.1Call the cops....
==============================================
Trust me not even the cops can cure stupidity.
Report Abuse
LESON.1
m'zaco'some1 is compering me to you- how do you like that- i mean am i that ugly
Report Abuse
BiPolar
@candyboyagree... but as for the economies...well not directly to the SA economy....however, we are all dependant as to what happens on the NYSE and with the US Dollar....if that implodes, we are all focked world wide.....did you know that most of the senior officials on wall street was previous CIA agents...did you know that those CIA agents directly invests 90% of the South American drug cartel money into wall street....did you know that the USA Army is overseeing the manufacturing of opium in the middle east....you connect the dots buddy....dirty oil & drug money is keeping us all a float.
----------------------------
hmm, that is an eye-opener, i think the dots connect - the thing is money is leaving our country unaccounted for and Naija Dr@g lords are keeping money under the mattresses in their houses. Well, most successful business people admit to having done something 'illegal' to raise the capital money - when they were not caught in the illegal act- they opened legal businesses to wash the money. I do not personal condone the DR@G cartel - In your world: it looks right - but on the flip-side where i belong - it is completely shocking to see how the Dr@g cartel (illuminati) is controling the world's money!!
Report Abuse
Candyboy
@Dzelhoe gaan dit met jou vandag groot man......?
Report Abuse
Dzel
SweetyK, I'll try something funnier next time.Report Abuse
LESON.1
DzelLESON.1
Call the cops....
==============================================
Trust me not even the cops can cure stupidity.
======================================
You sh1t through your mouth, You talk through your @ss , You vomit through your D1ck. What kind of an ugly sick pre-matured animal are you? Even a Giraffe with 2cm neck is better than you….(@ssface)
Report Abuse
m'zaco'
LESON.1@dimpho_4U
@m'zaco'...please avoid me ,ha ke lwane ska wena
============================================
you see i told you to save your breath...Now you just blow up your date
=====================
kwaaaaaaaaaaaaaaaaaaaaaa! date!
Report Abuse
SWEETYK
Candyboy@SWEETYK
Candyboy
why do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-)
================================================================
mxn life ya bogay wa gafa wena o tlwaetse go casha batho, how can you get that thing you are after if you don't have money? O opportunist choma.
+++++++++++++++++++++++++++++++++++++++
unlike you wena...I AM NOT DOM...and use my brains if I need or want sumthing.....my brain is more powerful thal all the amount of money in this world....you on the other have hydrochloric acid cells for brains.
=================================
Thank you very much tsala. I can see that you are using your brain when you feel like, need, wand something not always. Ke go boditse o opportunist choma.
Report Abuse
Candyboy
@DzelCandyBoy,
..you on the other have hydrochloric acid cells for brains.
++++++++++++++++++++++++++++++++++++++++++++++
Sure my brother. Where has all the charm gone, play nice. SweetyK seems like a reasonable individual unless i am missing something here.
++++++++++++++++++++++++++++=
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
Report Abuse
LESON.1
@SWEETYKWena o dom straight- today ompaletse entlik o thomile maabane......
Report Abuse
Dzel
Candyboyhoe gaan dit met jou vandag groot man......?
++++++++++++++++++++++++++++++++++++++++++++++++
Ek kan nie complain nie, hoe gaan dit met jou?
Report Abuse
SWEETYK
DzelSweetyK, I'll try something funnier next time.
=============================================
Thanx love goneng ke sa tshege, but I know you wena babes you always talk logic.
Report Abuse
Candyboy
@SWEETYKCandyboy
@SWEETYK
Candyboy
why do all worry about money so much......after all...we not after money...we after the things money can buy....and believe you me.....you dont need money to get those things....it can cum your way if you are smart enough to know how to attract it into your life.......oh I love my life:-)
================================================================
mxn life ya bogay wa gafa wena o tlwaetse go casha batho, how can you get that thing you are after if you don't have money? O opportunist choma.
+++++++++++++++++++++++++++++++++++++++
unlike you wena...I AM NOT DOM...and use my brains if I need or want sumthing.....my brain is more powerful thal all the amount of money in this world....you on the other have hydrochloric acid cells for brains.
=================================
Thank you very much tsala. I can see that you are using your brain when you feel like, need, wand something not always. Ke go boditse o opportunist choma.
++++++++++++++++++++++++++++++++
if you dont take the opporunities that are in fron of you...then you r dom.....!!!!!
Report Abuse
LindaKing
when i was about to ask for a loan there, well i think its time i switched banks. fraud on a banking giant like this, #disappointedReport Abuse
Dzel
Candyboyjust teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
----------------------------------------------------------------------
hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
Report Abuse
LESON.1
@m'zaco'@LESON.1
@dimpho_4U
@m'zaco'...please avoid me ,ha ke lwane ska wena
============================================
you see i told you to save your breath...Now you just blow up your date
=====================
kwaaaaaaaaaaaaaaaaaaaaaa! date!
=========================================
Venue = BRT parking lot
Report Abuse
The_Only_1
Why do you need a middle man to negotiate for a loan and Coca Cola employees really think the employer who includes shareholders love them so much that they will negotiate deals for free? In a business environment there are no friends, all people are worried about their stomachs. I also know this Employer who gives his employees Mortage Bonds with 30 years as a repayment period and these fools think its a benefit compared to someone who pays over 20 years from a normal bank.Middle men are not for free! Some people want to be rich by using Pyramid Schemd TecticS to fool ennocent peolpe.
Report Abuse
SWEETYK
Candyboy@Dzel
CandyBoy,
..you on the other have hydrochloric acid cells for brains.
++++++++++++++++++++++++++++++++++++++++++++++
Sure my brother. Where has all the charm gone, play nice. SweetyK seems like a reasonable individual unless i am missing something here.
++++++++++++++++++++++++++++=
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
==================================================
Wa nqala akere, wa ipona neh please leave HUSBY alone. Mare what I like/love you wrote his name the way I love/like it. Kikikikikikikikikiki Galfrend knows this she mastermind it.
Report Abuse
Candyboy
@BiPolar@candyboy
agree... but as for the economies...well not directly to the SA economy....however, we are all dependant as to what happens on the NYSE and with the US Dollar....if that implodes, we are all focked world wide.....did you know that most of the senior officials on wall street was previous CIA agents...did you know that those CIA agents directly invests 90% of the South American drug cartel money into wall street....did you know that the USA Army is overseeing the manufacturing of opium in the middle east....you connect the dots buddy....dirty oil & drug money is keeping us all a float.
----------------------------
hmm, that is an eye-opener, i think the dots connect - the thing is money is leaving our country unaccounted for and Naija Dr@g lords are keeping money under the mattresses in their houses. Well, most successful business people admit to having done something 'illegal' to raise the capital money - when they were not caught in the illegal act- they opened legal businesses to wash the money. I do not personal condone the DR@G cartel - In your world: it looks right - but on the flip-side where i belong - it is completely shocking to see how the Dr@g cartel (illuminati) is controling the world's money!!
+++++++++++++++++++++++++++++++++++
dont wana divulge more info here...Mdluli might just intercept the communication and use it against Breytenbach in their legal battle......final point.....even the good book says in Revelations...THINGS WILL GET WORSE BEFORE THEY GET BETTER.....just stick it out and live your live the best way you feel is right for you......as for the rest......its out of your control buddy.
Report Abuse
LESON.1
@SWEETYKDzel
SweetyK, I'll try something funnier next time.
=============================================
Thanx love goneng ke sa tshege, but I know you wena babes you always talk logic.
=================================================
u so dom dom dom -kop how is his voice sound like- go back to your primary school
Report Abuse
SWEETYK
LESON.1@m'zaco'
@LESON.1
@dimpho_4U
@m'zaco'...please avoid me ,ha ke lwane ska wena
============================================
you see i told you to save your breath...Now you just blow up your date
=====================
kwaaaaaaaaaaaaaaaaaaaaaa! date!
=========================================
Venue = BRT parking lot
===========================================================
O carry fish neh, hai maan yegi ndaba za bantu (ka Mandoza's voice)
Report Abuse
LESON.1
@SWEETYKI'd love to ask how old you are, but unfortunately I know you can't count that high.(shaaaameeee)
Report Abuse
SWEETYK
LESON.1@SWEETYK
Dzel
SweetyK, I'll try something funnier next time.
=============================================
Thanx love goneng ke sa tshege, but I know you wena babes you always talk logic.
=================================================
u so dom dom dom -kop how is his voice sound like- go back to your primary school
====================================================================
You don't know me and stop cramming me wena dom-kop roto, mbeba e tough.
Report Abuse
SWEETYK
LESON.1@SWEETYK
I'd love to ask how old you are, but unfortunately I know you can't count that high.(shaaaameeee)
=====================================================================
You want to know how old I am? count from the day o wa ka tlhogo you will get my age.
Report Abuse
eKapa
wait till 14:00Report Abuse
Candyboy
@DzelCandyboy
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
----------------------------------------------------------------------
hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
++++++++++++++++++++++++++++=
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
Report Abuse
SWEETYK
LESON.1@SWEETYK
Wena o dom straight- today ompaletse entlik o thomile maabane......
===============================================================
I think maabane o ne ole SISJOY wena you sound exactly like her. O dom san dom kop roto ke ra TWEBA YA SENATLA.
Report Abuse
Candyboy
@SWEETYKCandyboy
@Dzel
CandyBoy,
..you on the other have hydrochloric acid cells for brains.
++++++++++++++++++++++++++++++++++++++++++++++
Sure my brother. Where has all the charm gone, play nice. SweetyK seems like a reasonable individual unless i am missing something here.
++++++++++++++++++++++++++++=
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
==================================================
Wa nqala akere, wa ipona neh please leave HUSBY alone. Mare what I like/love you wrote his name the way I love/like it. Kikikikikikikikikiki Galfrend knows this she mastermind it.
++++++++++++++++++++++++++++++++++++++++
i know you like/love the way I do things sweet pea....no need to make it public......especially the way you like that special sumthing......*clearing my throat*
Report Abuse
Candyboy
@eKapawait till 14:00
++++++++++++++++++++++++
is dat ur lunch time mfana.....?
Report Abuse
SWEETYK
Candyboy@Dzel
Candyboy
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
----------------------------------------------------------------------
hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
++++++++++++++++++++++++++++=
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
=================================================
I'm warning you tlogela HUSBY.
Report Abuse
eKapa
Candyboy,Dzel ,LESON.1guys stop it now...this is not right maan
Report Abuse
CARTWOO2
THIS IS CAPITALIZIM BEWARE OF THIS.Report Abuse
Candyboy
@eKapaCandyboy,Dzel ,LESON.1
guys stop it now...this is not right maan
+++++++++++++++++++++++
and then homeboy.....what's not right dude...kikikikiki
Report Abuse
Dzel
Candyboylokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
-----------------------------------------------------
hehehehe .... SweetK, angihleki neh...
Wena CandyBoy...... LOL.
Report Abuse
Dzel
SWEETYKTWEBA YA SENATLA.
+++++++++++++++++++++++++++++++++++++++++++++++++++
Lol ... ... ja ne.
Report Abuse
SWEETYK
Candyboylokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
-----------------------------------------------------
hehehehe .... SweetK, angihleki neh...
Wena CandyBoy...... LOL.
=====================
Wa mphaphela oo waitsi heheehehehe I'm not laughing neh.
Report Abuse
Dzel
What have we done eKapa?Report Abuse
Candyboy
@SWEETYKCandyboy
@Dzel
Candyboy
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
----------------------------------------------------------------------
hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
++++++++++++++++++++++++++++=
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
=================================================
I'm warning you tlogela HUSBY.
+++++++++++++++++++++++++++++++++++
ok...ok...ok....i surrender....*waving my white flag*......i'm sorry neh ma love..*blowing sweet kisses ur way*
Report Abuse
SWEETYK
Candyboy@SWEETYK
Candyboy
@Dzel
Candyboy
just teasing Miss BitterK dude....she a gud gal i know.....but i wana rattle her bones a little...her HUSBY is to soft for her.....*get my drift*
----------------------------------------------------------------------
hehehehehe, wena you going to get me into trouble phela some husbands read the forum. The last thing I need is some dude parked outside my house waiting for me because of what he read here.
++++++++++++++++++++++++++++=
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
=================================================
I'm warning you tlogela HUSBY.
+++++++++++++++++++++++++++++++++++
ok...ok...ok....i surrender....*waving my white flag*......i'm sorry neh ma love..*blowing sweet kisses ur way*
======================================================================
Ga ke dinyake (Mmankosheng's voice) ke go kapa ka tsona back, I'm kidding tsala yame thanx choma.
Report Abuse
Candyboy
@SWEETYKCandyboy
lokl...was that her HUSBY on the forum yesterday....we better be careful dude...cos if he looks anything like his avatar we in groot k@k......btw...he is nogal ugly hey...did you c homeboy.....kikikiki
-----------------------------------------------------
hehehehe .... SweetK, angihleki neh...
Wena CandyBoy...... LOL.
=====================
Wa mphaphela oo waitsi heheehehehe I'm not laughing neh.
++++++++++++++++++++++++++
ja right....but you writing this reply with a bright sparkle on ur angel face neh:-)
Report Abuse
DrMashobaadieeta
gape basadi gaba kgone go i swara ha ba le pel' akaReport Abuse
SWEETYK
DrMashobaadieetagape basadi gaba kgone go i swara ha ba le pel' aka
=====================================================
Read the topic first and comment about it, lastly these kinds of comments ge neh shoba.
Report Abuse
Ann
hows ur day ma bloggers?Report Abuse
SWEETYK
Annhows ur day ma bloggers?
===================================
Mine is fine and good.
Report Abuse
Ann
gud@sweety,what do u do if it happens that when u open ur mans laptop to find gore he s a constant blogger wa mo sowetan and insults other bloggers like bo manakzen so, and like wa rogana strong
Report Abuse
2nevvy4u
Annhows ur day ma bloggers?
------------------------------------------------------
its like your breast
Report Abuse
DrMashobaadieeta
@SWEETYKPila. pila. go a sana moth.o o bu.wang ka taba tsa che.lete. Go.reng ke swan.etse go buwa ka tso.na mma?
Report Abuse
Ann
kikikikikiiiiiiii.. o tshwaregileReport Abuse
TDK
HR people took loans on your behalf and chowed it. I guess they changed your banking details to theirs when additional loans were approved and paid.Report Abuse
Ann
Dr, o reng papa?Report Abuse
Candyboy
@Annkienot everyone is like ur HUSBY mos....u know who.......kikikikikiki
Report Abuse
McLoving
I thought Standard Bank was the most efficient and good one .I thought I could trust them ..wooaaaa!!!Report Abuse
DrMashobaadieeta
Ke nate.felwa ha ke bona bot.se bao swa.na le ba gao AnnieReport Abuse
Ann
ke a leboga darl, ke thabela go kwa seoReport Abuse
DrMashobaadieeta
le lebe.ga b'yang letsa.tse lago?Report Abuse
Ann
le a phadima doc, empa o kare nka go bona gore o le phadimishe kuduReport Abuse
DrMashobaadieeta
Seo se ka etsagala ge o tiishiitse...Report Abuse
SWEETYK
Anngud@sweety,
what do u do if it happens that when u open ur mans laptop to find gore he s a constant blogger wa mo sowetan and insults other bloggers like bo manakzen so, and like wa rogana strong
=====================================================================
Nka logger out completely, bona nka mo tshaba as ke tshaba manakashit sona.
Report Abuse
LESON.1
Since this morning ? dibotho le sale mo.......
@SWEETYK- wena i think you are a secretary were you work - kare you like to type- who told you about sowetan mara ?
Report Abuse
SWEETYK
LESON.1Since this morning ? dibotho le sale mo.......
@SWEETYK- wena i think you are a secretary were you work - kare you like to type- who told you about sowetan mara ?
==================================================
Sale ke e reka one day ka bona ba go advertizitse gore you need parental love, and sowetan asked candyboy to love you as your father and I saw that love thats when I started to love sowetan. No one taught me about it I just found it myself.
About my Job who told you? O tseba jang? O bone ka eng? sho o mbhoro neh?
Report Abuse
SWEETYK
@ SowetanWhere is the moderator today, o berekwa ke mala neh? No corrections today we are free.
Report Abuse
Candyboy
@SWEETYKeish you mara neh......tell me snookums....just how sweet are you....?
Report Abuse
LESON.1
@SWEETYKthe way you behave is like you are a desperate hooker with no customers cos of your stretchmarks
Report Abuse
Ann
SWEETYKAnn
gud@sweety,
what do u do if it happens that when u open ur mans laptop to find gore he s a constant blogger wa mo sowetan and insults other bloggers like bo manakzen so, and like wa rogana strong
=====================================================================
Nka logger out completely, bona nka mo tshaba as ke tshaba manakashit sona.
-------------------------------------
gape ke maketse last nite ge ke ntse ke cheka ke kraa mo*tho a rogana ka nn*yo to cu*m nice mara ga nke ke utlwa le even one day a rogan*a tjo
Report Abuse
LESON.1
@SWEETYKi heard you tried to pay your chicken licken bill using your access card...
Report Abuse
Ann
shubaaa...sweetart!Report Abuse
2nevvy4u
Ann ke mang oo?Jub Jub o tlwaetse go rogana mosReport Abuse
LESON.1
@Candyboy@SWEETYK
eish you mara neh......tell me snookums....just how sweet are you....?
=====================================================
sweet as (Drink O' Pop)
Report Abuse
Ann
heeehehehehe ai tjo ke maketse nnaReport Abuse
DrMashobaadieeta
buwa lenna mma...Report Abuse
LESON.1
@SWEETYKLESON.1
@SWEETYK
Wena o dom straight- today ompaletse entlik o thomile maabane......
===============================================================
I think maabane o ne ole SISJOY wena you sound exactly like her. O dom san dom kop roto ke ra TWEBA YA SENATLA.
=========================================================
Your boyfriend must just exchange you for my 5110 nokia- (o worthless)
Report Abuse
SWEETYK
AnnSWEETYK
Ann
gud@sweety,
what do u do if it happens that when u open ur mans laptop to find gore he s a constant blogger wa mo sowetan and insults other bloggers like bo manakzen so, and like wa rogana strong
=====================================================================
Nka logger out completely, bona nka mo tshaba as ke tshaba manakashit sona.
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gape ke maketse last nite ge ke ntse ke cheka ke kraa mo*
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Askies as long a so go roge thats all matters, but o ska mo tella o tla go roga maal.
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LESON.1
@m'zaco'@dimpho_4U
you two is everything okay there - how is BRT parking lot?
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LESON.1
SWEETYKLESON.1
Since this morning ? dibotho le sale mo.......
@SWEETYK- wena i think you are a secretary were you work - kare you like to type- who told you about sowetan mara ?
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Sale ke e reka one day ka bona ba go advertizitse gore you need parental love, and sowetan asked candyboy to love you as your father and I saw that love thats when I started to love sowetan. No one taught me about it I just found it myself.
About my Job who told you? O tseba jang? O bone ka eng? sho o mbhoro neh?
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You should learn from your parents mistakes - try using some birth control.
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Ann
@sweetyk, mara di comments tsaage wena di a tshosa like ena he takes 2 hours on top of a woman , he was lying he takes 2 minutes then o feditseReport Abuse
Candyboy
kwaaaaaaaaaa.....2 hours nogal....kikikikikikikikikiReport Abuse
SWEETYK
@ SOWETANNow you are cross, you block my comments janong. I was trying to say ko LESON1 nokia 5110 e lekana le phasela ela e ko mapareng.
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LESON.1
@SWEETYK@ SOWETAN
Now you are cross, you block my comments janong. I was trying to say ko LESON1 nokia 5110 e lekana le phasela ela e ko mapareng.
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if this is funny i have no choice but to tickle myself.............
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SWEETYK
Ann@sweetyk, mara di comments tsaage wena di a tshosa like ena he takes 2 hours on top of a woman , he was lying he takes 2 minutes then o feditse
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You won't know maybe mooo o pleaza dimatla tsee tsa moo waitsi mooss ke bo mang bo radi tlhapa that's not the way he is.
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DrMashobaadieeta
lekgarebe le ke le agetseng legae pelong yaka le kae na???Report Abuse
LESON.1
@SWEETYKEish you are all over the place - more like sipsinya sa vroeg on monday morning..............................
--------------Loggin off-----------------------
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SWEETYK
LESON.1@SWEETYK
i heard you tried to pay your chicken licken bill using your access card...
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kekeekekekekkeeeekekkekekekek quququququuquuquuq satisfied.
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Maratachelete
Well,Standard Bank is a huge rip of,last month I forked out more R500 in baknj charges,so I sympathise with you peeps!Report Abuse
SWEETYK
@ ALLGuys let me go ko phegela HUSBY until tomorrow aekomakome. LOVE YOU ALL, leson5
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Candyboy
@SWEETYKbye domkop......kikikikikikiki
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Mas-culin
Sad for the people who took those loans without reading the finer details.masculinnkosi@gmail.com
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www.insurance-direct.co.za
Capitalism at its bestReport Abuse
Tsar-Rasputin
This financial Institutions dont care about us!!! For me personally F##K Old Mutual, and Wesbank se ma se g##tFinish & Klaar
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Tiekie
all banks are ripping us off!! There is a big case against standardbank going on at this momentyou can all get more information about this here:
http://www.newera.org.za/the-big-case/
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PFG
these banks are not trusted.i believe even our government could intervene in this .maybe they help this kind of corrupt and capitalist robbers.Report Abuse
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