1. David

You will always fail to follow because you don't ASK, you just PRESUME it's a scam, normal people call it conjectured rubbish and thumb sucking! JUST ASK!!

2. Thank you Vanash!
You seems highly intelligent!
Answering a question the way you do, make you different from all the Davids and Ayjay's out there! Keep it up!

Ok...here comes my side of the story:
What I am about to show you is not "Wiseman Concept" but to prove to you that "ZERO" does exist!
This is not more than 14 year old mathematics, however the "Wiseman Concept" has been proved 5 x better than the "zero" formula!

The old system:
PLAN A ......A husband and wife saves over 4 years R 150 000 to buy a car for their son.
Currently awaiting the driver licence fiasco they invested the money with Allan Grey @ 10% per year ( Lets talk round figures ) earning R 1250 pm interest.

PLAN B ......A friend with very little financial sense suggest that they leave the R 150 000 in the bank and rather borrow R 150 000 @ 13.2% per year for 20 years.
This friend with little knowledge about anything was treated like an idiot because he suggested to pay R 1650 pm for 240 months and 3,2% more interest! Shame!

EVERY ONE CHOOSE A:
Why? Because it look cheaper!
What you are about to see is that the person choosing (A - cheaper plan ) think with his eyes and ears and not with his brain - many years will result in no brains and bigger eyes and ears, unfortunately the person choosing ( A ) lost R 240 000 in 7 years by listening to his eyes and ears!

Those who chose ( B-the more expensive plan and 20 years ) have gained the economy R 657 000 in 7 years, they got the bank to pay R 7000 to buy the car, fully paid the car, the bank interest was fully paid, the loan of R 150 000 was fully paid, the car is in the garage, and the the husband and wife has R 177 000 in the bank... R 27 000 more than what they saved, and the drove the car for 7 years.

NOW!!!
GO TO STANDARD BANK WEBSITE
www.standardbank.co.za
Click on "HOME LOANS"
Click on "CALCULATOR:
Click on "WHAT HAPPENS IF YOU PAY MORE OR EXTRA"

USE YOUR CURRENT AVAILABLE RATE ( BETWEEN 7.5 - 8.5% )
Leave your money in the bank - use the interest to add as additional payment ( R 1250 )
YOU WILL SEE THAT PAYMENT OF THE LOAN WILL BE APPROXIMATELY 5.8 YEARS AND NOT @) YEARS ( Poor David & Ayjay )

NOW!!!
Between 5.8 years and 7 years ( Perfect figure ) approximately 14 months are left over after the bond is paid in full, the R 150 000 remains in the bank earning R1250pm + R 1650pm because the installment were paid up = R 1950 x 14 months = R 40 600. WOW!!! But the family lost R 400 pm x 84 months because the were getting R 1250 interest and paying the bank R 1650 pm ( -R400 ). NOW!!! -R400pm x 84 months is R -R33 600, NOW !!! You saved R 40 600 in 14 months, you lost -R 400 because you have chosen (B) R 40 600 - R 33600 = +R 7000. ( Poor David & Ayjay )

NOW!!!
The bank lost nothing - R 0.00
They got the full R 150 000 paid back
They got all their interest + personal getting paid, creating thousands of JOBS - cool stuff!!
The car dealer has been paid his full R 150 000 - mechanics, sales staff, admin staff, cleaners, managers etc getting to work again - cool stuff!
The factory got there R 130 000 for building the car - thousands of factory workers, admin staff etc - cool stuff!
And you as the client ( husband & wife ) got R 177 000 in their bank, calculated as follow: R 150 000 remain in the bank, sell the car for R 20 000 ( Scam system ) and the bank paid you R 7000 to buy the car! ( Poor David and Ayjay and all the poor suckers out there who believe DAVID when he say its a scam )

David I have news for you - come right or face major financial problems in your life - don't steal money from your family's by NOT DOING THE "WISEMAN CONCEPT"

3. ## Thanks given for this post:

pmbguy (05-Apr-13)

4. AndyD
You seems very special like Vanash, please read the comment on Vanash - good luck!

5. Hi all

If David read the explanation on Vanash reply, he should be branded the "FART OF THE MONTH"
How can an intelligent guy like David make a mistake like this.
I wonder if he has any property or equity, because thousands of readers being mislead and losing money should talk to their lawyers!
maybe they can make a quick buck!

6. It is about building the economy, because the existing system sucks!
Everyone is losing money including you!
You can now buy petrol for R 6.00/liter if you qualify, without the government and fuel station owner lose money!
The "Wiseman Concept" touches NO money!
It is between the client and his bank - period !!

7. It's about identifying those who steal from the economy and those who build the economy!
It is very simple - if you don't do "Wiseman" you steal from the economy and your family - just change your narrow mind and think out of the box like vanash and AndyD

8. This is very complicated and not easy to grasp - it is the worlds only "economy building system" working opposite of the existing "not working" economy!
EVERY KNOWS THAT!!

Let me give you the shocking news!
For more that 15 years this secret were kept quite!
The CEO of Toyota South Africa say's it is 20 years ahead of time!
Anyone with equity and affordability can now buy a car without paying for it, and in the same time nobody loses money!
YOU PAY!! BUT YOU DON'T PAY!!
That's all I can say!

9. Wynn

Like I said before, the free money system is here, without anyone losing money!
Fraud has been stop!
Scams like property scams lately in the news were exposed by the 'Wiseman Concept"
If your purchase are not backed up by the "Wiseman Concept" - YOU WILL LOSE MONEY!!
An individual are now able to lower his own fuel price with 50% and more if he has equity of some sort! - Imagine the fuel station owner, Sasol and the Goverment can increase the fuel price with R 4.00/liter without the public paying for it! - Imagine the economical growth.
We can now lower the monthly installments on all equity bearing properties with 50%
We can now reduce the term from 20 years to 7 years without the banks losing one cent, in fact the banks can also increase the prime rate with another 4%

The "Wiseman Concept" has been proven, tested, bank investigated,and done by 2348 clients through all major banks.

Wynn, what you should do is, buy a car at zero cost to your budget! Prove it !
Ask your parents to reduce their 12 year bond term to 7 years at zero extra cost to their budget.
And many more like pay for the wedding, the dress, the venue, the holiday and the diamond ring, at zero cost to the brides father!
Children can now go to university at zero cost to their parents existing budget.

10. Pieksie

They always make statements without thinking what the say!
It is all so clear that you have no hope for running a business - you will always be bankrupt!
Are you jealous, or do you feel bad because I have identified you as a "Economy killer"
Tell us all...what have you done to bring your side in the economy?
Do you employ people?
Or do you steal from yourself?
Why do you want me to spill the magic beans and not pay for it like normal people do!
Do you know what the world call those types?
Go and read the latest TIMES MAGAZINE! - I rather not say it!

11. Yeah Garf, that is how it sounds - TO GOOD TO BE TRUE!!
Everyone are used to getting nailed, be poor, suffer the high prices and living the pyramid system currently controlling everyone!!
Just think out of the box mate - Discovery is giving their clients 40% discount on petrol, FNB giving 15% on petrol, Standard bank advertise the R 0.00 system.
THE WHOLE OLD WORLD ORDER IS ABOUT TO CHANGE!
Wait for next 5 years and you will find a "Wiseman Political Party" - NO JOKE!!

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