SyncSA

Moerse scared..

Don't you think it would be better taking the funds out of this than taking out finance which will cost you extra? It is more difficult to spend your savings, than it is to create debt. Same as when you have R100 in your wallet, you spend more wisely than you would using your debit/credit card as you physically see the money "poof" gone.

There is nothing wrong with having just a hospital plan, if you are able to cover your day-to-day medical costs like doctor visits, x-rays when you fall on an MTB route(or not) out of your cash flow it should be ok. But as long as you can do this without resorting to CC's. If you are young, healthy and have no kids, then I don't see a problem with having just a hospital plan. Just make the decision for the right reason and not just for the MTB you want to get. At the moment it sounds like al the "scheme'ing" is around the MTB, which is the wrong motivator.

The more you reveal, the worse it gets. Are you actually able to save anything?

It might be worth it, but remember you wont be paying R30k for it if you finance it.

Insurance wont include the loan like it would with HP purchases.

This changes things a bit - you need to save rather. Then again you are staff, so your rates should be extremely low. You need to go an calculate how much the interest charges, admin fees etc will be if you could pay that off in 6 months. Is it going to be worth paying R33k for a R30k bike? Instead of saving and paying less when it get to that stage. EDIT - Read you were staff, sorry, so ignore the low rates comment.

Cash is king, but if you feel the need to get the bike NOW and go the loan route: - Ensure you take the loan out with a reputable institution - Interest rate is key - shop around for rates, at times your bank can provide better rates than others for obvious reasons - At times even CC rates are cheaper than personal loans - If you bank with Standard bank, they offer a revolving credit plan which is generally at much lower rates than fixed loan options - Pay more than you should be paying to ensure that you pay less interest over the period. Try and cut the term in half Best is to save - take the instalments you would be paying on your personal loan and save it, with extra. Much better in the long run.

By the 15th .. seeing as I cant keep up with the big boys average Ill drive and experience it all.

Need a support vehicle? Dont have a bakkie but willing to help out

Check out these maybe.. https://www.bikehub.co.za/classifieds/42798-campagnola-vento-wheel-set/

Looks like so fun....

And still no response..

I am trying to work it off...give me a month or two.

Javadude - the hub and the hubbers have helped me thus far and I am sure they will going ahead. Think it comes with the territory - at this stage those things don't affect me yet. Just loving the sport.

Gotta start somewhere. Proud newbie...

Because I dont have a back up vehicle Ok...I see the problem. Tube not tyre.

Camelbak for a roadie??

Uhm...have a rookie question - if saddle bags are "uncool" (especially on Italian bikes) where do you keep a spare tyre? Back pocket? or is taping it to your seat post ok?

Love #10!

I recently put a sound system on Gumtree - received 4 calls from the same person on 4 different numbers, provided him with a closed bank account number, he provided me with proof of payment.

Rather - RIDING MY BIKE!

WOW...how did I miss this.

On fire boys. Loving it!

My GT 3 is Prob worth R4k (I think) - this is similar to what I have, except the wheel set. I can buy components and things, but would rather want to get a better frame and then go up. Just feels a bit old now...and I deserve a new one.. PS - Tiagra set