Radiant

[Radiant @egocentrics_tt]

@JudyJaySA2 Hulle weet nie, wat ons weet.

[Radiant @egocentrics_tt]

@JudyJaySA2 she's beautiful when she's shy, 😎

[Radiant @egocentrics_tt]

@twintshego_ Tshego are you coming to the stadium?

[VIEW4YOU @view4you_sa]

If you ever going to buy a Car through Finance, stop what you doing, watch & read this 😮. Kindly share it with ALL your friends, families and enemies 🫣

DIC also known as Bank Kickback ‼️Explained in the most simplest form possible.

When you buy a car through financing, the bank approves a wholesale interest rate (known as the "Buy Rate") based on your credit profile.

However, the Finance & Insurance (F&I) manager/person is usually allowed to mark up that interest rate before presenting the final offer to you. The bank and dealer then split the extra profit generated by this higher rate. This kickback, often called dealer reserve or finance commission, is paid directly to the dealer or F&I manager for INFLATING your rate 😮

Comparison Scenario: 72 Months Loan
Both buyers put down a R0 deposit and finance the full price over 72 months (assuming simple, non-residual financing without balloon payments):

Seller A (Fair Deal): R1,000,000 purchase price | 10.5% interest rate.
Seller B (Marked-Up Deal): R980,000 purchase price | 14.5% interest rate.

The Kickback Breakdown
1. Seller A (10.5% Base Rate):
Interest Markup Kickback: R0
Outcome: Seller A passed along the exact bank rate. The customer saves R115,200 in total costs compared to Seller B, despite the sticker price being R20,000 higher upfront.

2. Seller B (14.5% Escalated Rate):
Total Extra Interest Forced on Customer: R135,200

F&I / Dealer Kickback: Depending on the bank's commission split (dealers typically retain 60% to 80% of the interest spread profit), Seller B's dealership gets a kickback payout of roughly R30,000 to R50,000+ paid out by the bank upfront or over time.

Outcome: Seller B seduced the buyer with a R20,000 discount on the sticker price, only to quietly claw back over R135,000 extra from the buyer in high finance charges.

Key Takeaway for the Public, "A lower car price with a marked-up interest rate is almost always a trap." If it’s not mileage manipulated, undisclosed accident damage it’s the escalated interest rate they going to catch you on. “Ever heard we only selling this one through finance��? Well this could possibly be the case.

Always ask the F&I manager directly: "What is the bank's approved base buy-rate for my credit score, and what rate are you quoting me?" Always negotiate the interest rate as aggressively as you negotiate the purchase price.

Lastly please always go to the Bank Directly or straight after you have received your first finance approval. DO NOT BELIEVE THEIR WORDS OF FEAR that they use to scare you!!

https://t.co/A51Z9VRFWI

[Mike Malagies @MMalagies]

can I pray for your month of February?

[Man’s NOT Barry Roux @AdvoBarryRoux]

Don’t watch that interview yaka Nandi Madida my feminist friends since you are allergic to the truth, thank you! You are welcome, bye ✌🏾!

[Radiant @egocentrics_tt]

@Mduhaha @justin_rabbai same,

[Radiant @egocentrics_tt]

@essonnaaa You remember this???
2018

[Zanele Mokoena 🇿🇦 @zahMokoena]

Kaizer Achieve 🫢🫢😂😂😂😂
✌🏻💛🖤🥳💃🏻💃🏻

#Amakhosi4Life
#KaizerChiefs

[Radiant @egocentrics_tt]

@Zwelinzima1 The most thoughtful, honest, and educational response to what was, to what is, and to what it should be. To all those who call South Africa our land, they need to hear this.

[Zwelinzima Vavi @Zwelinzima1]

Tell me is he is telling lies

[Radiant @egocentrics_tt]

@HeyNeighbourFes @leonthomas Is he performing on Saturday or Sunday?

[Radiant @egocentrics_tt]

@F1 @LewisHamilton
you can do this, man. just keep the car on the right on those left corner entries....keep it tight. Its not a technical track, just confidence and speed which I doubt you lack any of those. #TeamLH

[Radiant @egocentrics_tt]

@HeyNeighbourFes OTP E-mail not coming through.

[Radiant @egocentrics_tt]

@HeyNeighbourFes still down.

[Radiant @egocentrics_tt]

@ChumaMaq how about Moja down the road?

[Aztron7 @Aztron44]

@fiagirly Time to bring back this video
Sums up the current situation