Of Men and Cars – So What’s the Deal, Honey?

Posted on by Harry Hussain
Random photo sourced from the internet.

Well, truth be told, it’s been a while since I wrote a piece in this blog. Not for want of ideas though. I had some notes jotted down on what I wanted to write about. But life sorts of got in the way.

Since the easing of restrictions due to COVID-19, things had picked up pace both in my professional and personal life. No more WFHs, and weekends are filled with activities and familial duties. It’s been a welcomed change though, a far cry from the lonely and hermit-like existence during the height of the various iterations of the MCOs.

Now some recent developments had me thinking and inspired me to write this post. It’s got to do with what I call ‘squeaky bum time’. It’s that time of the year when you have to renew your annual road tax and car insurance, and suddenly you get your alter ego murmuring sweet nothings into your ears that it’s high time to change the car instead of renewing the road tax and insurance. Can save money mah. Another year, another drop in the value of the car, right? Might as well cash in now, right? Right.

It is time…

I wonder if I’m the only one who feels this way. Hurmmm….

My wife for one will not agree with this line of thinking. Of course. She’s the pragmatic sort who does not feel it fit to change something that ain’t broken. Pakai sampai hancur. Well, I kinda take a slightly different approach to this. What are we talking about here exactly? Cars, of course. And just what is it with men and the fascination with these boy’s toys.

Since I’ve already written about my passion for Manchester United, I thought I’d pen a few words here about my other passion, or rather, interest, if you can call it that. Obsession, maybe? My wife does not seem to take too kindly with this obsession of mine to change cars every few years, so let’s not call it that then. She thinks it’s a weakness. Well, I have no other vice so to speak, so to me it’s a ‘fair weakness’? Can ah like that?

Sourced from the internet

The fact of the matter is, men will always be on the lookout for cars. The same way they will look at other women. It does not mean they want TO BE with that woman, though, does it? Similarly, when men look, read, see, test and talk about cars, does not mean that they will go out and get it. Well, most times, anyway.

Jeremy Clarkson gets it. Source: The internet

Before we go deeper into this, I would just like put it on record here that I’m not exactly a car guy kind of guy. A ‘petrol head’, you know what I mean? I know nuts about, well, the nuts and bolts of the machine. I basically know how to drive, and that too, not as well like, say, a car guy. I can read about the technical specifications of a car, the engine output in brake horse power (BHP) and Newton-meter torque (Nw). I still struggle to understand it though. All I know is, the higher the number the better it’s supposed to be. Fair enough.

Been there, done that. Unfortunately. Source: The internet

But I’ve always been interested in cars. I like to look at them, I read up on new launches, I join the car clubs of whatever particular brand or model that I own, go on the occasional convoys and TTS (Teh Tarik Session), take care of them with regular service, make sure they’re clean, and I don’t treat them like my personal mobile wardrobe, or fridge, or dustbin, for that matter.

Just so wrong…

By the way, if you are a car enthusiast and you do read the car websites on the net or on Facebook, don’t you just find it absolutely irritating to read the comments section of a car review? The most favorite comment would be 1. “Can go up Genting or not?” and 2. “This price better buy…. (so and so car)”.. Hello friend, why so kepoh about can go up Genting or not? You work there is it? How often do you go up Genting in a lifetime anyway? That this has to be the absolute benchmark in gauging a new car is just bonkers. And don’t get me started on the brain-dead “better buy” comments.

No caption needed. Source: The internet

In Malaysia, kalau boleh, the car buying public, or just the kepohci smart-alexes want a vehicle that is fuel sipping, can go 0-100km/h in under 3 seconds, cheap to maintain like a Perodua, can last forever like a Toyota, rides like Rolls-Royce, can loan for 9 years with 100% loan, has good resale value (RV), and of course, can go up Genting and still carry the whole jingbang. Only in Bolehland we get expectations like these. Sheeesssh…

Now, when you’re stuck in KL’s notorious traffic jam day in day out for hours on end, what else is there do, right? Like me, you would be looking at the cars around you. I hardly ever touch my phone while driving and I’m a stickler for this. So I’d rather look out and enjoy the view. I also have this weird tendency to look at the cars when I drive by a used car yard. Just to see what cars are there. Haha…

Familiar sight with KLites. Source: The internet

Speaking of which, how many times have you looked at used cars and tell yourself, “Hmmm, I can do this…”. The go-to place to look at used cars in Malaysia is the mudah.my website. There’re practically millions of cars there from the cheapest budget cars to the luxury ones.

I got to talking to my boss/business owner the other day and his recent purchase of a brand spanking new Range Rover Sport. He is a right car nut. He has had, over a period of time, over 34 different cars. All bought new. His take on it is, the dream to purchase a new car is what drives him to work hard and succeed in life. So whenever he feels down or dispirited, he would go and walk around a luxury car showroom and eye that one prized possession that would be his next target. That would cheer him up enough to get out of whatever rut he is in and strive to reach that dream. What an idol! My kinda guy. Me? When I get giddy to change cars, I go to used car lots. Or search on mudah.my. Oh, the levels.

It always does, doesn’t it… Source: The internet

The thing about used cars is, for a fraction of the price of a brand-new car coming out of the showroom, you could possibly own the car you’ve always dreamt about. Well so you think. It just ain’t as straight forward as that.

Once you’ve made up your mind that you’re now in the market for a used car, you’d scour the internet for information on that particular model of interest. There’s plenty of materials in the internet nowadays. From car release pieces, to car reviews, both in written and video form, car club Facebook pages, to forum pages; and friends and family who’s had experience with the car you want. Whichever way you go, you won’t be found wanting in this regard.

Where you might hit road humps are when you actually get down to the business of wanting to purchase the car. It is a bit different when you’re dealing with the owner of the car directly, but when you’re going to purchase from a used car dealer, it’s a whole new ball game you find yourself in now.

Firstly, the price you see advertised in the various car selling sites are NEVER the final price. They have this uncanny way of slapping various administrative charges that can jack up the price of the car up to maybe RM5,000 more! And what you need to be mindful of also is the fact that cars whose age are above 10 years old cannot be financed by a bank. They either have to be bought cash or by using the used car dealer’s panel of financing institutions. Ahem… We all know that route would not end well. So, unless you’re really cash rich, that RM98,000 2010 Toyota Alphard parallel import (gray import) from Japan may not be that attainable after all.

Picture for illustration purpose only. Source: The internet

Ok. Now the car you settled with is less than 10 years. Good, step one lepas. Next, you need to know that the financing of used cars is not the same as brand new ones. You will not be able to stretch it to 9 years as what most people will normally ask from a bank. More on this later. Back to the financing, you also need to be cognizant of the fact that the method used by banks and dealers are that the tenure of financing is based on 15 years minus the age of the car. For instance, the car that you want was made in 2014. So 2022-2014 is 8 years, which is the age of the car in 2022. 15-8 is 7. The maximum years your new car can be financed for is 7 years only. And, I must also tell you that the interest rate for used cars are higher than brand new ones.

So all in all, based on higher interest rates and lower financing term, your monthly installments may not be what you thought it would be when you first looked at the car. Sure, the list price, or body price as the industry terms it, looks very tempting; but when you add it all up it may not be so attractive anymore.

We’ve not even talked about getting rid of your current car for the new one, or to trade in, as they call it. Nowadays, its been made so much easier with online trading via sites such as Carsome and myTukar, which has for the most part taken over the need to deal with the same said dealer you’re buying your car from. Now that you’re the seller, you think that you’d have the upper hand. But in truth, you’re at their mercy yet again. They KNOW you’re desperate to let go of your car, coz you’ve shown how badly you want the new one. Bad move, brother. They’ll offer a ridiculously low price that you have no choice but to accept, and then sell it on for a tidy profit. Unless you’re savvy enough to be able to sell it directly to a new owner all on your own, you just have to learn to deal with these sharks.

Now let’s talk about the balance of the hire purchase loan you’ve taken on that car that you want to sell. Typically, many Malaysians, yours truly included, will opt for the lowest monthly instalment payment with the lowest down payment payable for the highest loan margin that can be squeezed out of the banks with the longest loan tenure allowable by the laws of this country. This is the financial trap that we all fall through, and that’s why the banks love us. They make so much more in the interest over the long financing term, and kill us all when squeaky bum time comes and you want to sell off the car.

I know the feeling. Source: The internet

As cars depreciate in value the moment they leave the showroom into your gleeful arms, you will never, ever actually make money from selling your car, especially so when you have a few more years to run with your loan. Say for instance, you get itchy after 3 to 4 years of owning your car, and feel the absolute need to upgrade for whatever reason; and you have taken the 9-years loan when you initially bought the car, chances are you’d have to top up to the bank the balance of the loan after deducting the current value of your car after trade in. Unless, you have placed a very high down payment from the get go.

Now you have to pay off the bank to get rid of the car you desperately want to ditch after trading it in for dirt cheap price to an unscrupulous used car dealer whose car YOU’RE buying from at an inflated price from the list price with a higher instalment from the one you’re paying with no sense of security whatsoever that the used car you’re buying will not be a lemon. Although the new ‘Lemon Law’ that will be tabled in Parliament soon should go some ways to protect the buyer in the future.

Despite all the alarm bells and the precarious financial limb that you’re putting yourself on, are you still in on it? Sure, of course. All the way or bust! No turning back now. When it comes to cars, men tend to think from their errr, lutut.

How do I know so much? Well let’s just say that I’ve had my share of experience in dealing with buying and selling cars. New and used. Not that many, but enough to know the pain. Let me just say that I had to learn the hard way. My wife will always ask, “When will you ever learn?” … sigh… but that’s just the thing. It’s a guy thing.

Many a time I had I extensively researched a particular model that I really liked and convinced myself that I could afford it. Many a time have I visited the shady used car lots that litter the Kajang-Sungai Besi-Cheras-Kepong areas. And there had been many times that I had come away deflated like a burst bubble. But it just all adds to the intrigue and drama, don’t you think? Something to spice up what could be a dull weekend watching Netflix.

So many cars, so many options… Source: The internet

What would make the chase worth all the pain is when you manage to snatch that jackpot deal and get your loan eventually approved. Ahhh, the sweet taste of success. Nothing quite beats the thrill and anticipation of being able to get your hands on the car you’ve dreamed of and worked so hard for now is there? Again, it’s a guy thing.

Now that is out of the way, let’s get another disclaimer out of the way before we explore the next topic.

I am by no means can be considered wealthy person. I wasn’t born with a silver spoon in my mouth. But we had enough growing up. My parents saw to that. Even now, I’m very thankful to God that I’m able to sufficiently provide for my family a comfortable life.

I’ve been able to own, and then sell, a few cars over the years though. Nothing fancy, just run of the mill rides that was affordable and looks good enough to me.

The first car that I owned was a Perodua Kancil 660EX manual transmission way back in 1997. I bought it second hand in PJ. It served me well despite its utilitarian looks and features. Unfortunately, that was at an age when camera phones were not yet a thing. And you wouldn’t want to waste camera roll films on pictures of your car where the cost of developing one piece of photo was about RM0.30¢ each. So I don’t really have a photo of it.

The only picture of the Kancil that I have now.

The Perodua Kenari came next when Jasmine came along in 2004. It was a nice car but also in manual as automatic transmission cars where way more expensive back then. I traded that in for a Renault Kangoo 1.4A in 2006.

Cannot find any picture of my Kenari so had to source from the internet.

I don’t know what possessed me to get the Kangoo. I thought at that time that I needed a bigger car and the 7-seater Kangoo fit that profile. Plus, it was errr, different. I’ve always had a unique taste when it comes to cars anyway. The car came out a lemon, and I had so many issues with it that I eventually gave up. Sometimes, there is this unexplainable chemistry between owner and car. In this case, there just wasn’t any.

Weirdly alluring.

So I gave up the ghost and let it go to my sister Pip and then Enca who had no such issues with it. Weird eh?  Next up for me in the same year itself would be a Proton Neo 1.6, in manual guise. The car came with new Campro engines from Proton with handling by Lotus and it was a superb ride. Until you get overtaken by a Myvi on the highway when the Campro loses its breath.

Loved this sporty car.

I handed this down to my wife to be her daily driver when I bought the new KIA Forte in 2010. The Forte was a game charger and it was ahead of its time as opposed to the usual Toyotas and Hondas during its launch. I loved that car. It had all the bells and whistles of a car much higher than its pay grade. I was really sad to let it go in 2014 when I opted to try the hybrid route with the Honda Jazz Hybrid in 2014. As I was living in Nilai and working in KL at that time, I thought switching to a hybrid vehicle would save me on petrol cost. But alas, the 1.3 engine with mild hybrid Intelligent Motor Assist (IMA) paired to a CVT gearbox offered in the Honda doesn’t really do much, in terms of saving petrol nor driving dynamics. It was squeaky bum time again not long after.

My beloved Forte.
And the Honda Jazz Hybrid that came after it.

When Jemma was born in 2011 and Jazzy was all grown up, the Neo with its two-doors and hatchback body had run its course. We needed something bigger to carry the small family around. I scouted around and settled on a used KIA Sportage 2.0 SUV. We bought this second-hand in 2013 and it served us well as a workhorse. Loved it.

Solid workhorse this.

This should be enough for us. But I got a brain fog a few years later and decided that we needed a THIRD car, in the guise of a 10th year wedding anniversary present for my wife. The car I chose as the present for her? My childhood dream car, the BMW 318i E46.

The dream car that ended badly.

As I had written in my previous post, I actually wanted to become a lawyer growing up. When my favorite author John Grisham released his best-selling legal thriller The Firm in 1991, I was still in school and was fascinated by the story in the novel. The main character, Mitch McDeere, later to be played by Tom Cruise in the 1993 movie adaption of this novel, was a top-of-his-class Harvard Law graduate who eventually chose a boutique law firm for his first job despite having the pick of the biggest law firms there is. Mitch was given by his new firm a large salary, a lease on a new BMW, and a low-interest mortgage on a house. What was there not to like about the story? It was all I ever dreamt of. Ever since then, the BMW 3-series, specifically the E46 model that came out sometime in 1998, became my dream car.

Source: The internet

So to cut to the chase, I eventually bought a used 2002 BMW 3-series 318i E46 in 2016, 18 years after its launch. The car was 14 years old when I got it, but the exterior still looks good and the model has aged very well. But I was a novice in handling and maintaining a continental car. I wasn’t ready for the frequent visits to the workshop the car required and the hefty bills that followed. The dream quickly descended into a nightmare. I had to let it go and was lucky to find a willing buyer. At least I could say I’ve lived the dream, though it came with a price. Is this the end of the obsession, you would think? Not quite. I wasn’t done yet.

Tragic, isn’t it...

Two more cars came in quick succession after that fiasco with the E46. In 2019, I let go of the Jazz and bought a new KIA Rio to be my daily driver. The Rio is a fantastic little car that came almost fully specced with the latest features and gadgets. It is everything the Jazz wasn’t. The next year in February 2020, it was my wife’s turn to get KIA’s baby Picanto to replace the ageing Sportage.

The 2019 KIA Rio
The 2020 KIA Picanto

Now we would have two new cars which was fairly modern, fuel efficient, easy to maintain, with a 5-years maker’s warranty. Just nice. Then COVID-19 came.

With too much idle time on my hands, I started going through the classifieds again. This time, my excuse was that the two girls were both grown up and again, we needed space to carry their luggage during domestic road trips since we can’t travel overseas. Valid point, right?

Ok, so the criteria was a people carrier with a large enough bootspace that the Rio and Picanto doesn’t have. It has to be cheap enough to run and maintain, and it should be affordable by cash. No bank loans since we were serving the loans for the two KIAs.

Again, in Bolehland, cars aren’t merely a daily necessity to take you from point A to point B. They are now seen as a status symbol. In this materialistic world we live in, the badge your car carry is the symbol of your success as a person. It shows that you’ve arrived.

I recall a conversation I had with a former colleague when he said he had at one time went to a high school reunion and was guilty of comparing what cars his former school mates came in and was relating that to their relative success in life. Ini macam pun ada ka?

No wonder it’s commonplace nowadays for you to find in social media spaces people displaying shamelessly their Lamborghinis and Mustangs. More so the so-called product founders and/or Forex/Shares/Whatever newly minted millionaires. Never mind that the cars maybe rented for the photoshoot. Janji tunjuk. Especially the Malays. They feel a need to show to the world that they’re successful in whatever they’re doing and EVERYBODY should be like them. Really?

I recently read a quote from an actual real rich person. It goes like this. “The idea is to make money, not to spend money.” So true, yet so ouch…

So true. Source: The internet

As for me, I’ve always tried, the catch word here is tried, to spend within my means without burning a hole in my pocket. I didn’t really buy into this whole status symbol and image crap. But I have to be honest here. There were times when I was tempted to splurge, times when I went ‘I could do this’, and make the step up to own a piece of luxury; just for the experience and the personal satisfaction of being able to own one after many years of slogging in the daily grind.

Last December 2021, I gifted my wife a used Mercedes Benz B170 Sports Tourer compact MPV. Admittedly, it wasn’t brand new. It’s a bit long in the tooth, but it’s just what we needed. It’s large, comfortable, safe, with a large enough bootspace for our purposes. Of course, she wouldn’t believe me that the car is for her, although I did register it under her name. So now we’ve added a marquee brand to our stable. I’m happy. I like the car, and it’s all paid for. I got it for a bargain, and still had some cash left over for repair works that is expected for a car of this age.

With the Mercedes Benz B170 last Raya.

The issue is, the B170 is becoming something of a money pit. The fixes are never ending, and it has spent almost the same amount of time in the workshops as it has been on the road since we brought it home. It’s still in the workshop as I write this. But I’m loathe to part with it. I sorta have a soft spot for it.

See a trend emerging here? The frequency with which the cars are coming and going is getting too close for comfort. No wonder my wife is making noises.

Come to think of it, all the money I’ve spent buying, and at times selling cars, could’ve bought us probably a bungalow somewhere in Seremban 2. Perhaps, just perhaps, it was better to have bought a house than cars… huhuhu…

Will I ever learn? Would I ever stop? I promised my wife I would. Eventually.

Promise. Source: The internet.

So what was the trigger that inspired me to write this post? What is the recent development that made me think of cars? Am I not always thinking of cars?

Could a new car be on the horizon? Only time will tell.

192 thoughts on “Of Men and Cars – So What’s the Deal, Honey?”

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  6. Interesting read, as a young guy myself, I am tempted to own a new car too but the fear of commitment and the want to own a house crosses paths. Side bar, I love classic mercedes especially the w126 and w124, I have a thing to restore them but with all the modern day gadgets and power aka 2jz engine.

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  54. Краткая справка Esperio
    Esperio позиционирует себя в качестве глобального брокера, который является ярким представителем на финансовых рынках. Своим клиентам компания предлагает первоклассное обслуживание, выгодные условия торговли, оперативное исполнение торговых операций и чистые спреды от поставщиков ликвидности. Вот так выглядит презентационная страница мультиязычного сайта esperio.org.
    Esperio
    В футере площадки сказано, что Esperio принадлежит компании OFG Cap. Ltd, которая зарегистрирована в офшорном государстве Сент-Винсент и Гренадинах. На сайте есть различные внутренние документы, в которых изложены условия предоставления услуг. Регистрационные документы не представлены. О лицензии на брокерскую деятельности ничего не сказано. Обратная связь с клиентами поддерживается исключительно через специальную форму, с помощью которой пользователи отправляют свои запросы в службу поддержки.
    Торговые инструменты и платформы Esperio
    В распоряжении трейдеров более 3000 финансовых инструментов. Зарабатывать клиенты компании могут на различных активах:
    валютных парах;
    криптовалютах;
    драгоценных металлах;
    сырьевых товарах;
    ценных бумагах;
    ведущих фондовых индексах и т. д.
    Выход на финансовые рынки осуществляется через две торговые платформы: MetaTrader 4 и MetaTrader 5.
    Торговые счета Эсперио
    Чтобы приступить к трейдингу, нужно зарегистрироваться на сайте и выбрать один из 4 доступных торговых счетов.
    Esperio
    С более детальным описанием каждого аккаунта можно ознакомиться в разделе «Типы счетов». Примечательно, что ни в одном из счетов не указана минимальная сумма депозита. С какими суммами готов работать брокер – неизвестно. О наличии демонстрационной версии счета ничего не сказано.
    Начинающим инвесторам компания предлагает воспользоваться услугой Esperio Copy Trading. Для этого необходимо подключиться к профессиональным трейдерам, скопировать сделки на собственный счет и построить собственную бизнес-модель на основе проверенных стратегий. Условия сотрудничества в рамках данной программы не обозначены.
    Пополнение счета и вывод средств в Esperio
    На презентационной странице сайта сказано, что после получения прибыли на торговле деньги поступают на счет в течение одного дня. Вывести заработанные средства пользователи могут без ограничений по сумме в любой момент и любым подходящим способом.
    Для пополнения счета и вывода прибыли доступны такие сервисы, как пластиковые карты, банковские переводы и электронные платежи.
    Esperio
    Брокер заявляет, что он компенсирует комиссионные расходы клиентам и зачисляет их на баланс торгового счета в процентах от внесенной суммы.
    Информации о других условиях проведения финансовых операций (минимальная и максимальная сумма, сроки зачисления средств при выводе, порядок снятия тела депозита) на сайте нет.
    Заключение
    Главный недостаток брокера – регистрация материнской компании в офшоре. Также не внушает доверия отсутствие юридических данных, регистрационных документов и лицензий. Не в пользу компании служит односторонняя связь с клиентами и отсутствие установленного стартового порога входа в систему.
    Лучше всего о работе брокера и возможности заработка на его условиях расскажут отзывы о Esperio.
    ТРЕЙДЕР-ПРОФЕССИОНАЛ
    ЗА 60 ДНЕЙ
    Узнайте формулу безубыточной торговли
    FAQ
    ? Esperio — это надежный брокер?
    ?? Как найти официальный сайт Esperio?
    ? Как проверить Esperio на признаки мошенничества?
    ?? Как вывести деньги от брокера Esperio?
    ?? Как распознавать мошенников самостоятельно?
    OТЗЫВЫ О ESPERIO
    Олег
    Cкoлькo бы yжe эти шaвки из Еsреrіо нe пиcaли o пpeкpacныx oфиcax и нaдeжнocти иx кoмпaний, вce paвнo нe иcпpaвит тoгo фaктa, чтo иx бpoкep мoшeнник! Bбeйтe в Гyгл “yгoлoвныe дeлa пo Еsреrіо в Poccии” и вaм вce cтaнeт пoнятнo, кaк и кoгдa этoт лoxoтpoн cтaл вopoвaть в ocoбo кpyпныx paзмepax! K тoмy жe в нaшeй cтpaнe Esperio тaк жe yжe зacвeчeнo в пoдoбнoм дeлe! Bce этo пpивoдит к лoгичнoмy вывoдy, чтo нaxвaливaниe oфиca и мoшeнничecкиx opгaнизaций этo пpocтo кyплeнный пиpa и peклaмa! He yдивитeльнo чтo кoмпaния пpoдoлжaeт зaмeтaть cлeды! 3дecь жeнa ocтaвлялa oтзыв пapy мecяцeв тoмy, xoтeлa paccкaзaть o тoм c чeм мы cтoлкнyлиcь и пoпытaтьcя нaйти пoддepжкy, oтвeты нa вoпpoc y cтaльныx тaкиx жe жepтв мoшeнничecтвa oc cтopoны кoмпaнии Еsреrіо! Ho yвы, кoнтopa пpoдoлжaeт yдaлять, иcкopeнять вce нaши пoпытки вepнyть cвoи дeньги! Еsреrіо нe вывoдит дeньги co cчeтoв! Этa кoмпaния ecли нe ycпeлa cлить дeньги ceбe в кapмaны (нa oфшopныe cчeтa) вaш дeпoзит, тo пpocтo нe дacт eгo вывecти! Ha пpoтяжeнии yжe двyx лeт мы бopeмcя c ними, yжe двa гoдa пытaeмcя дoбитьcя cпpaвeдливocти, нo пoкa вce бeзpeзyльтaтнo! Пoтoмy вce чтo мы мoжeм ceйчac этo нe дaть этим aфepиcтaм пpивлeкaть нoвыx жepтв pacкpывaя иcтиннyю цeль paбoты кoнтop Еsреrіо!
    2 days ago
    Назар Устименко
    3дpaвcтвyйтe! Пpивлeкли мeня к coтpyдничecтвy в мae 2016 гoдa. Bлoжилcя, 2500$. Чepeз мecяц ocтaлocь 1000$. Пpeдлoжили дoбaвить, oткpыли дpyгoй cчёт. Дoбaвлял нecкoлькo paз, вceгo eщё 2500$. B aпpeлe 2017 гoдa вcё cлили. Пoчти вce cдeлки oткpывaлиcь пo нacтoятeльнoй peкoмeндaции нacтaвникa. Oчeнь плoxoй бpoкep Еsреrіо, aктивныe Пpoфeccиoнaльныe мeнeджepы Eфимoв Юpий Baлeнтинoвич, пpoфeccиoнaльный тpeйдep Бaзaнoвa Baлepий Гeopгиeвич пo peкoмeндaции пepвoгo пpoфeccиoнaльнo cлил пoчти $20000 и зaтeм cлилиcь caми, пycть им бyдeт тaк жe вeceлo, кaк ocтaвлeннoмy ими пeнcиoнepy бeз жилья и cpeдcтв к cyщecтвoвaнию? Я дoлгoe вpeмя пытaлcя yпopнo выбить cвoe, нo Еsреrіо нe вывoдит дeньги, нe пoд кaким либo пpeдлoгoм или дaвлeниeм! У мeня зa гoд, ничeгo нe вышлo! Я пepeпpoбoвaл мнoгo вapиaнтoв и дaжe c пoлициeй к ним пpиxoдил, oни пo дoкyмeнтaм чиcты! Пpишлocь тoлькo пpизнaть чтo был глyп, cтaл жepтвoй aфepиcтoв и мoшeнникoв и пoдapил этим твapям вce cвoи cбepeжeния!
    2 days ago
    Владислав
    Почитал отзывы, спасибо ,что разоблачаете мошенников .Юридически у них нет ни адреса, ни лицензии ЦБ РФ на осуществление брокерской(диллерской) деятельности. Доверять им нельзя , жаль ,что с такими не борется прокуратура , МВД и должные силовые ведомства.
    2 months ago
    Григорий
    Тоже пострадал от мошеннических действий этого псевдоброкера. Потерял на его платформе 4800 баксов. Даже подумать не мог, что когда-то влезу в такое Г****. Они тупо заблочили мой акк сразу после пополнения. Я даже ни одной сделки заключить не успел! Знакомый посоветовал обратиться в wa.me, сказал что ему ребята помогли вернуть деньги. Благо хоть квитанцию о переводе сохранил. Подам заявку, надеюсь помогут!!!!
    8 months ago
    Матвей
    Читаю отзывы на сайтах и всех так хвалят эту контору. Я лично не могу вывести деньги и все. Меня водят за нос уже 2 недели. Не дают и все. А отзывы все заказные, чтобы больше людей велось на все это!!!!!Самый обычный развод, не верьте ни единому их слову!!!!!
    8 months ago
    Валерия
    Мое сотрудничество с Esperio началось недавно и за этот короткий промежуток времени я поняла, что столкнулась с лохотроном(((( Жаль, что я вовремя на задумалась об обещанных этих бонусах, что ни одна солидная компания не позволит себе платить такие деньги. Бонусы поступили на счет, все четко. А делает это знаете для чего? Чтобы требовать потом деньги за вывод. Когда я подала заявку, мне сказали, что бонусные и основыне деньги якобы перемешались и чтобы их вывести нужно внести на счет еще 800 баксов. Я сказала пускай забирают свои деньги обратно и вернут мои, на что мне сказали такова политика и сделать они ничего не могут…..Обидно, развели как лохушку((((
    8 months ago

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