BuffsVintageBikes Posted June 15, 2017 Posted June 15, 2017 I never called anyone stupid, sometimes people do things because that's the best (or only) option available to them at that particular time. Whether it's the best or better option is always debatable.
BigDL Posted June 15, 2017 Posted June 15, 2017 Would you guys think that it is a fair observation that, in SA, okes are much generally more focused on having the latest and greatest than in other places?
Captain Fastbastard Mayhem Posted June 15, 2017 Posted June 15, 2017 Would you guys think that it is a fair observation that, in SA, okes are much generally more focused on having the latest and greatest than in other places?No. It's a universal affliction
Captain Fastbastard Mayhem Posted June 15, 2017 Posted June 15, 2017 I never called anyone stupid, sometimes people do things because that's the best (or only) option available to them at that particular time. Whether it's the best or better option is always debatable.No, I know you didn't. But you did say that the balloon payment finance option was stupid. It's not. It's perfectly viable. IF you treat it properly. The misuse of it is rife, though.
Patchelicious Posted June 15, 2017 Posted June 15, 2017 No, I know you didn't. But you did say that the balloon payment finance option was stupid. It's not. It's perfectly viable. IF you treat it properly. The misuse of it is rife, though.You could say the same about drugs.
Captain Fastbastard Mayhem Posted June 15, 2017 Posted June 15, 2017 You could say the same about drugs.depends on the drug... Ecstasy and MDMA in and of themselves are an addictive substance, and causes people strife. But they're also used to treat several psychological problems via micro-dosing and have proven beneficial for certain people. But - it is sold primarily as an addictive substance, to the addicted. There are certain parallels, in that the balloon payment option enables those that are susceptible / easily persuaded to try things / buy things that they should ordinarily not buy, but then that's not the problem of the payment plan itself - it doesn't create the addiction, whereas the drugs themselves do. I know that this is verging on a philosophical argument though, and the lines between something that enables a certain subset of people to buy something that is unaffordable without adequately planning for the future effects of a balloon payment, and an addictive substance which creates an endless cycle of consumption to chase that high, are pretty blurred. I suppose you could argue that the act of buying something is addictive in and of itself. You could also apply the same argument to guns, motorbikes, road cycling (deaths on the road) and pretty much anything you want to. Bah. I need a beer and a lot more time to explore my feelings on this and actually interrogate it properly. But for me, at the moment, it boils down to this. Drugs themselves are harmful. They are addictive, and can change peoples lives for the worse if treated badly. The drug is the mechanism through which that addiction is satisfied. Feck. I've just snookered myself.
Captain Fastbastard Mayhem Posted June 15, 2017 Posted June 15, 2017 I'm reminded of this quote... http://shot1.org/wp-content/uploads/2015/10/MMansonQuote-1024x1024.png
Patchelicious Posted June 15, 2017 Posted June 15, 2017 depends on the drug... Ecstasy and MDMA in and of themselves are an addictive substance, and causes people strife. But they're also used to treat several psychological problems via micro-dosing and have proven beneficial for certain people. But - it is sold primarily as an addictive substance, to the addicted. There are certain parallels, in that the balloon payment option enables those that are susceptible / easily persuaded to try things / buy things that they should ordinarily not buy, but then that's not the problem of the payment plan itself - it doesn't create the addiction, whereas the drugs themselves do. I know that this is verging on a philosophical argument though, and the lines between something that enables a certain subset of people to buy something that is unaffordable without adequately planning for the future effects of a balloon payment, and an addictive substance, are pretty blurred. I suppose you could argue that the act of buying something is addictive in and of itself. You could also apply the same argument to guns, motorbikes, road cycling (deaths on the road) and pretty much anything you want to. Bah. I need a beer and a lot more time to explore my feelings on this and actually interrogate it properly. But for me, at the moment, it boils down to this. Drugs themselves are harmful. They are addictive, and can change peoples lives for the worse if treated badly. Feck. I've just snookered myself. Its like fishing with an atom bomb.....
Captain Fastbastard Mayhem Posted June 15, 2017 Posted June 15, 2017 Its like fishing with an atom bomb.....oh, sod off...
Danilo Posted June 15, 2017 Posted June 15, 2017 depends on the drug... Ecstasy and MDMA in and of themselves are an addictive substance, and causes people strife. But they're also used to treat several psychological problems via micro-dosing and have proven beneficial for certain people. But - it is sold primarily as an addictive substance, to the addicted. There are certain parallels, in that the balloon payment option enables those that are susceptible / easily persuaded to try things / buy things that they should ordinarily not buy, but then that's not the problem of the payment plan itself - it doesn't create the addiction, whereas the drugs themselves do. I know that this is verging on a philosophical argument though, and the lines between something that enables a certain subset of people to buy something that is unaffordable without adequately planning for the future effects of a balloon payment, and an addictive substance which creates an endless cycle of consumption to chase that high, are pretty blurred. I suppose you could argue that the act of buying something is addictive in and of itself. You could also apply the same argument to guns, motorbikes, road cycling (deaths on the road) and pretty much anything you want to. Bah. I need a beer and a lot more time to explore my feelings on this and actually interrogate it properly. But for me, at the moment, it boils down to this. Drugs themselves are harmful. They are addictive, and can change peoples lives for the worse if treated badly. The drug is the mechanism through which that addiction is satisfied. Feck. I've just snookered myself. That micro dosing sounds like my kinda treatment! Sent from my iPhone using Tapatalk
BuffsVintageBikes Posted June 15, 2017 Posted June 15, 2017 No, I know you didn't. But you did say that the balloon payment finance option was stupid. It's not. It's perfectly viable. IF you treat it properly. The misuse of it is rife, though. No I didn't, someone else did but it wasn't me. I actually financed my first "new" car with a balloon payment option because I needed something reliable for my wife who was commuting long distances. After 2 years I was financially in a stronger position and bought my way out of it. Sometimes you do what's necessary.
Heel Drop Posted June 15, 2017 Posted June 15, 2017 is alcohol a drug and secondly is cycling also a drug - which is your drugs ?
Captain Fastbastard Mayhem Posted June 15, 2017 Posted June 15, 2017 No I didn't, someone else did but it wasn't me. I actually financed my first "new" car with a balloon payment option because I needed something reliable for my wife who was commuting long distances. After 2 years I was financially in a stronger position and bought my way out of it. Sometimes you do what's necessary.Bah. You didn't. My apologies, oh slaughterer of vampires. And so did I. 40% residual on a 1.4i Citi. Should have refinanced and added an air conditioner instead of trading it in for what I owed and "upgrading" to an A4 "cos it had air con" SMH. The folly of youff.
BigDL Posted June 16, 2017 Posted June 16, 2017 No. It's a universal affliction My observation is that, every time I have moved back to SA, guys seem so much more focused on what they drive, what other people drive, who earns what, do they have the best of everything etc etc. Not sure if it is area based or community, but if I look at my group of friends here, similar age, similar interests, similar stage of their careers as my mates in SA, here they seem much less interested in what they have, what they drive etc. Not sure, maybe its just my perception
Shebeen Posted June 16, 2017 Posted June 16, 2017 I would say a bike on finance and a fancy car on balloon payment are similar sort of stupid going to quote myself. Because it was me, and because I'm sticking with it. Goes without saying that there are, as always, exceptions to the rule.
ChrisF Posted June 17, 2017 Posted June 17, 2017 rider#35, on 15 Jun 2017 - 07:31 AM, said:I would say a bike on finance and a fancy car on balloon payment are similar sort of stupid going to quote myself. Because it was me, and because I'm sticking with it. Goes without saying that there are, as always, exceptions to the rule. And I am going to contradict myself .... You make the provisor that only a "Fancy car" on baloon payment is stupid .... so a baloon payment on an "ordinary" car to get you to work could be justified in some cases .... as much as I despise baloon payments, fact is that it has a place and time .... In the same thought pattern .... buying a R95k bike on debt makes no sense to me - NOT while a R30k bike can do the job (well we know a 15k second hand bike could). But if the bike is your poison ... your stress release, your health machine (whatever your justification) .... then surely debt on an "affordable" bike is justifiable ... which begs the question - what is "affordable" do you think my wife would buy this drivel ..... that e-Bike is calling me ...
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