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  1. Join Date
    May 2010
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    2,833
    #161
    Quote Originally Posted by CoDer View Post
    I have a uber rich Client...

    And her advice is never pay an expensive car in CASH. Kunin mo sya sa shortest possible term na kaya mo, then paikutin mo ang pera na pang cash mo sana.

    Ika nga nya... Baliw ka kung i cash mo yan, invest mo pang cash mo.
    okae okae. that's what i thought too din eh. i thought she has other reasons din.

  2. Join Date
    Jun 2007
    Posts
    995
    #162
    Quote Originally Posted by CoDer View Post
    I have a uber rich Client...

    And her advice is never pay an expensive car in CASH. Kunin mo sya sa shortest possible term na kaya mo, then paikutin mo ang pera na pang cash mo sana.

    Ika nga nya... Baliw ka kung i cash mo yan, invest mo pang cash mo.
    Di lang pala ako baliw....







    kundi baliw na baliw

  3. Join Date
    May 2010
    Posts
    2,833
    #163
    Quote Originally Posted by zap.FREEDOM View Post
    ah now I understand, yun pala ang dahilan, building credit standing, meron kasi akong kakilala na, I know she surely afford to buy a SUV in cash, pero bumili muna siya ng dalawang city as in sabay in the same year (if i'm not mistaken t'was Picanto on she got on March 2009 and she got antoher which is an Alto on december of the same year na pinanregalo niya dun sa relative niya) for installment basis 50% d/p and 3 years to pay remaining balance, at ngayon taon lang na ito natapos niya bayaran yun dalawang kotseng inutang niya, and then she told me inaalok daw ulit siya ng bank na baka gusto niya daw ulit mag-loan since wala siyang sablay sa pagbabayad nun dalawa car loan niya, at tinanong niya rin ako kung ano magandang pick-up truck na gamitin for a business, mukhang gusto niya ulit bumili ng isa pa auto. Now I got the strategy. ang dami talagang malalaman dito sa tsikot.com
    Marami talaga tayong matututunan dito sa tsikot. Mas expert nga lang mga tsikoteers pag dating sa S3x talks. haha aminin.

  4. Join Date
    Sep 2003
    Posts
    21,346
    #164
    Quote Originally Posted by shakatak70 View Post
    Di lang pala ako baliw....

    kundi baliw na baliw

    bakit..... nag-cash ka rin ba sa strada mo?

  5. Join Date
    Sep 2005
    Posts
    3,828
    #165
    Quote Originally Posted by uls View Post
    she doesnt sound very liquid

    kung yung ina-allot mong cash na pambili ng car ay pwede din i-invest para mag generate ng cashflow pambayad sa installment sa car that means you don't have much capital

    people i know who buy cars in cash have businesses and investments generating so much cashflow making them so damn liquid that buying cars in cash has very little impact on their finances. a car purchase is not a big deal. they're using extra extra money. money generated by extra money

    kung nanghihinayang ka sa cash na pambili ng car, na sana ininvest mo nalang that means you don't have a lot of cash

    kung big deal sayo ang isang car purchase, you're not rich
    Iho tumahimik ka.

    6 years ko ng client to, hindi lang iisa ang negosyo nito. At matanda na to, na nag simula sa kaka pirangot na Capital.

    Yang description swak sa mga anak nya. Porket di sila ang nag hirap, sige lang ng sige tutal may pambili.

  6. Join Date
    Sep 2005
    Posts
    3,828
    #166
    Quote Originally Posted by shakatak70 View Post
    Di lang pala ako baliw....







    kundi baliw na baliw
    Wala na bang natira sa banko?

  7. Join Date
    Oct 2010
    Posts
    1,597
    #167
    Quote Originally Posted by CoDer View Post
    Iho tumahimik ka.

    6 years ko ng client to, hindi lang iisa ang negosyo nito. At matanda na to, na nag simula sa kaka pirangot na Capital.

    Yang description swak sa mga anak nya. Porket di sila ang nag hirap, sige lang ng sige tutal may pambili.

    Tama yung kliyente mo. Hindi porket may pambayad ka ng cash ay ibabayad mo nga. You have to think na yung babayran mo ng cash ay hindi nag aapreciate kungdi nag dedepreciate.Ang magaling na negosyante knows how to make money work for him not the other way around. You buy a car for business, let your business amortize it. Karamihan sa nagbabayad ng cash are people who can't afford to have amortization because their income can't support it. In North America, most businesmen, consultants, contractors buy their cars in installment so that every year they can claim it against their taxable income. If they buy it cash, they can only claim it in one taxable year.

  8. Join Date
    Nov 2005
    Posts
    35,088
    #168
    haha

    yeah North America

    great example

    in North America, everything's bought on credit coz the system has transformed everyone into exploited debt serfs

    most Americans have little or no net worth

    what they have is debt

    most Americans' assets are the house and the cars. take away the house (still being paid) and the cars (still being paid) they have nothing

    most have more debt than their assets are worth

    American companies and individuals go bankrupt all the time

    Karamihan sa nagbabayad ng cash are people who can't afford to have amortization because their income can't support it.
    karamihan ng naghuhulugan walang cash kasi di nakakaipon. mas malaki ang gastos kesa sa kita

    ang kinikita pambayad sa utang

    ang kinikita kulang pa pambayad ng utang

    ang pera di pa kinikita nagastos na

    ang bonus sa December inutang na

  9. Join Date
    Nov 2005
    Posts
    35,088
    #169
    i understand using leverage ok?

    there are wealthy people who use leverage

    there are wealthy people who don't

    it's not that one is smarter than the other

    one is just more conservative than the other

    actually the smarter ones are the ones who become wealthier thru the decades despite bad years

    the Asian financial crisis destroyed some wealthy people coz they were leveraged

    the conservative ones are still around

    can anyone name those high profile rich dudes of the 90s who were wiped out by the Asian financial crisis?

    they're the ones who took on debt

    back then, they seemed really smart

  10. Join Date
    Nov 2010
    Posts
    21,690
    #170
    Ilipat na ng new thread yung "To buy or not to buy in cash?", hehe

    Thread ito ni vinj para sa old cars hindi para sa brand new!

Do people discriminate against old cars?