Turkey |
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wages
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| 21. |
25 Aug 2006 Fri 08:44 pm |
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Quoting Chantal: Oh well.. it's a good thing that Turkey wants to join the EU, because now they have to change a lot before they will be allowed to enter! Maybe the government will open their eyes  |
yes but when they join the prices of meal, drinks etc will go up making it more expensive for tourists, like what has happened in greece and spain since the euro came in.
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| 22. |
25 Aug 2006 Fri 09:16 pm |
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But interesting thing that I saw in Turkey is buying things by instalments, even shoes or T-shirts. I found it good, because in this way even not rich student can afford buying something. In Poland you can buy only expensive things, like cars or fridges by instalments. And only very well earning people can get a credit card in Poland.
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| 23. |
25 Aug 2006 Fri 10:04 pm |
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In Turkia getting a credit card is very easy but using a credit card can be very troublesome.
You almost need nothing. The banks are doing everthing to give you a credit card. They are giving away credit cards on a desk on pavements as pedestrians are passing by. I'm not kidding.
On the other hand using a credit card can be very troublesome in Turkia. The banks charge too much interest.
One way or another, following this trick or that trick at the end it is always the same story. They charge you %10 per month. I know people who spend lots of money every month just to pay the interest.
If you owe the bank 3000 YTL (and there are thousands of people who owe that much) then you pay 300 YTL interest every month. If you earn 1000 YTL a month thats a huge money and with the remaining money you can hardly live let alone paying your main debt.
Too many people have commited suicide just because credit card debts.
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| 24. |
25 Aug 2006 Fri 10:28 pm |
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10%! That is extortion! I can't believe they charge so much  . So, even if you managed to pay off your 3000 YTL in a year, your total amount paid would be 6600 YTL?? The trouble is, many people still think of credit cards as a sign of status and wealth. I thought UK credit card companies were bad, but that is unbelievable!
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| 25. |
25 Aug 2006 Fri 10:38 pm |
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We have very different countries for comparison, Erdinc. England is great country for living, but Poland isn't very different from Turkey...
You are right about credit cards, but someone who has 3000YTL debt jus didn't think at all while spending money...
On the other hand, in Poland I can't buy expencive shoes or dress unless I don't have enough cash.
Having credit card one has to be very careful. But Turkish seem not to think much when they buy things.
charges in Poland are also very similar.
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| 26. |
25 Aug 2006 Fri 11:21 pm |
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Quoting Seticio: but someone who has 3000YTL debt jus didn't think at all while spending money... |
You are right on this but it gets out of control without you even realising. With time you start ignoring your debts. You start pretending they don't exist or you can manage them.
I don't want to tell you how bad I did but it was very very bad. At the time, a few years ago there was no limit on number of credit cards you could get from different banks. I was worse than the people you describe as "who don't think at all".
I know many people who were in smillar situations.
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| 27. |
25 Aug 2006 Fri 11:33 pm |
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I heard about those wages. I compared to one of my friends and if I would work fulltime in my un-educated waitress job, I'd earn almost twice as much in Holland, wehreas the friend had a job after studying!!
Seticio is really right about the comparison being made.
For Turkish standards, I come from a very rich family. And my dad is a teacher!! I can easily make 700YTL a month in Holland, in an uneducated job, if I'd work fulltime. But for Dutch standards, I'm just an average girl. I don't buy so many designer clothes, I don't go out every weekend, going to the cinema costs me around 18YTL and the popcorn is at least 8YTL. Holland is an expensive country and our fuel is in the same price-category as Turkey (this even reached a Turkish newspaper  ).
But I wonder about the Turkish payment system. Kadir has many bankaccounts and a creditcard. I understood it had to do with interest. I have just one bankaccount and I know nothin about interest! So what's it about? It's not like you use a different bankaccount for a different shop, or is it??
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| 28. |
25 Aug 2006 Fri 11:42 pm |
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No, you don't need many bank accounts. It is just that the banking system is different in Turkia.
In the UK when I wanted to open a bank account and the bank has given me an appontment to next week and I should come with a few papers and I should see a certain person in a certain branch. I was in shock when I heard this.
In Turkia I would open a bank account in any bank the minute I walk in to any branch without any questions asked and by just showing my ID. In Turkia you can open a bank account in all major banks with a short time depending on your walking speed from a bank to another.
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| 29. |
26 Aug 2006 Sat 12:31 am |
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Quoting erdinc:
In the UK when I wanted to open a bank account and the bank has given me an appontment to next week and I should come with a few papers and I should see a certain person in a certain branch. I was in shock when I heard this. |
Being born and brought up in England.I could walking into a bank or several banks tomorrow in England and open a bank account within minutes if i had the correct ID such as a driving licence,passport or a birth certificate.
Maybe you had to go though this procedure erdinc because you had just come into the country.
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| 30. |
26 Aug 2006 Sat 02:23 am |
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Quoting Seticio: But interesting thing that I saw in Turkey is buying things by instalments, even shoes or T-shirts. I found it good, because in this way even not rich student can afford buying something. In Poland you can buy only expensive things, like cars or fridges by instalments. And only very well earning people can get a credit card in Poland. |
I guess this is the "taksit" system you are talking about. When I was in Istanbul a couple of weeks ago, I saw "taksit" mentioned on practically every shop. If you are a wise person who knows how to budget, it's OK to make use of that. But I think that a lot of people spend a lot of money (before realizing it) on shoes, clothing, small furniture and stuff. And eventually those small "taksitler" pile up to a big amount of money..
Overhere in Belgium you can buy loads of things with monthly installments, but not shoes or clothes.
And almost every week I get a letter in my mailbox from companies that offer very tempting loans. If you want, they put like 5000 euros or more on your bank account the next day. They don't even want to know what you will be using it for, they just "give" it to you. But a lot of people don't realize that you pay HUGE interests on that loan, and they fall into the trap.. Some even get a second loan to pay off the first loan, and then there is no end..
Overhere there is a kind of blacklist with names of people who can't get a loan anymore because of the fact that they have too much debts. And that list is getting longer and longer..
Government should do something about this, because when money is involved, a lot of people lose their common sense. And yes, with suicide as a result in the worst case...
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