Wiseman concept scam

[SilverNodashi]

Time to pick the bones out of these number



So let's take a look at how Plan B works then.

Step 1:
Invest at 10% interest and use the interest to subsidise your instalments.

Step 2:
Take a 20 year bond at 13.2% and apply the extra interest to reduce the bond term. This is the result:

[ATTACH=CONFIG]2937[/ATTACH]

Out of interests sake, I looked at what would happen if we just financed this car over 6 years - and guess what:

[ATTACH=CONFIG]2938[/ATTACH]

Near as dammit the same instalment. So let's not muck around with the "extra payment = shorter term" stuff - it doesn't change how much money you have to chip in yourself, which is pretty much R1777 per month.

So at the end of 6 years on Plan B you've got a paid up car and R150 000.00 invested somewhere earning you 10% interest per annum.

Now let's look at Plan A.

Step 1:
By the car cash with your R150k savings.

Step 2:
Invest R1777 per month for a return of 10% per annum, and don't touch the interest. Guess how much you've got after 6 years:

[ATTACH=CONFIG]2939[/ATTACH]

That's right, folks - you've now got a car and R177 344.00 invested somewhere earning you 10% interest per annum.

Plan B lost you R27 344.00 compared to plan A.

And you probably had to pay for the Wiseman Telescopic Calculator's assistance to help you do it

Dave, you're wrong. You would have been R60,000 poorer and the wiseman guys would have pocketed R60,000....

[Dave A]

Just add whatever you paid them to your losses
But it's plain you're going to lose.

[Perform Computers]

This Mariana is definitely a troll. A waste of my left-click.

Imagine doing business with her. /shudder

[Dave A]

Part of the art of being a con man (or woman) is keeping your attention off the hand that is picking your pocket - whatever that might take (and being a troll is certainly a perfectly viable option).

[Citizen X]

Right this is where I stop. Not much more can be done on our side when it comes to investigations and the like thus I think it is time to get the right entities involved. I do know however if you borrow money at the bank they expect you to pay them back. If you do an overdraft at the bank they expect you to pay them back. Same is true with any home loan, car loan, student loan and private loan.

Regardless of any claims made is a fact that a legally binding contract exist between the customer making the loan and bank. So anything suggesting that you break the contract “unlawfully” must be fully investigated by the entities.

I think the vast majority of TFSA members will be able to correct a little poor customer service by way of free advice, if however a scam is really involved then we not the police or the Hawks. They are the right forum if indeed it's a scam. I personally would never pay for something like that. I have been thinking about the Prof profile, I could refine it you know i.e. I will get you the lotto numbers BUT if your heart was dirty on the day you came to see me, the ancestors may decide to give you the wrong numbers in which case you can't blame me for your dirty heart..The Kings new clothes, the scam artists eventually convinced this king that he was wearing some elaborate garment when in fact he was naked!
Mariana, you not obliged to answer the following questions. I would personally see it as a gesture of good faith. Other members may not necessarily come to the same conclusions:
1. Are there any complaints against you pending with anybody such as the National Credit Regulator and/or the National Consumer Commission ?
2. Are there any criminal charges pending against you as a direct or indirect result of your business activities?
3. Are there any law suits against you in any civil court I.e. is any suing you for breach of contract and/or damages?
4. What was the outcome of any complaints against you that have already been decided upon by the aforesaid bodies in question !.

Mariana, I conclude by saying that I’m not the judiciary nor am I the police! I’m not on trial for murder and neither are you! I’m an ordinary member of our very own South African public! The aforesaid questions are now respectfully put to you. You do the calculation, if they go answered or met with ambiguity, the simple passage of time will be you’re your discredit! I end by saying that if your clientele are happy with perceived benefit as opposed to real tangible benefit that they can see, feel and touch, then I guess it’s their money and between you and them!

[tec0]

Right I think the facts are on the table and our outspoken friend will probably just ignore it and go on and on about how we cannot comprehend there special and terribly complicated system. Ignoring the hard questions thinking that everyone else will also ignore it.

Lest see if our outspoken friend can answer these hard questions…. Regardless people will read... they always do. So… lets see…

[Citizen X]

Tec0, you 100% exactly right! I know that this is not a particulars of claim or a declaration, I know that this is informal discourse, but when direct questions are posed to you and you simply ignore them, you blame anyone from drawing an inference that your silence is an admission. Furthermore, I'm not entirely sure if Mariana is Mariana or someone else just using that name. I reiterate that if 'Marian's clientele,' are happy to pay for the service, then such clients can't complain after the fact. They should have exercised their freedom of choice as a consumer and not taken the service. So the client is also blameworthy here i.e. you want to cry after you paid for the service. No matter how bizarre a service may seem, if both parties are happy i.e. the client and supplier, then there actually shouldn't be any problem at all. The idea here is not to deliberately and with malicious intention to mislead the public. I go back to my 'Prof,' example, if I tell you I can get you the lotto numbers for a consultation fee of R500 BUT that if your heart is dirty when you come for the service, then my ancestors won't give you the correct numbers. If you understand this and still take the service then it begs a simple question: Who is really blameworthy then??? Just food for thought, I'll never unilaterally declare myself a Prof. I know that it takes alot of studying before you even reach that point!

[pieksie]

Well, it looks like Mariana disappeared!

[AndyD]

Don't speak too soon, it's only been a couple of days, Marikana could be back any time.

[Perform Computers]

It's not 11pm yet lol

[Scaffold]

11 pm came and went. Mariana showed us all how NOT to conduct ourselves. I hope she reconsiders her approach to interacting with her fellow man and then just maybe, just maybe, this will be a better world.
Mariana, thank you for your posts. You gave us a good laugh and taught us plenty on the science of human behaviour.

Good bye poplap!!

[adrianh]

Aw, Mariana he got caughted out forra using da lady's name when da real name of da autha issa da wellem.

[Chrisjan B]

LOL adrianh...

Sent from my ASUS Transformer Pad TF300TG using Tapatalk 2

[tec0]

Aw, Mariana he got caughted out forra using da lady's name when da real name of da autha issa da wellem.

Met ys ja... met ys...

Think there will be a comeback?

[adrianh]

Nah, thessa outsjie issa now a gone-ner...