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Apple Invites Media to 'Notebook' Event October 14th
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i'm a lot fuddled by all this credit crunch stuff....what will it actually mean for me if i buy my new apple macbook through the apple financing system and pay for my macbook monthly? will i be getting myself into hot water with that or will i not be affected at all...sorry to be so naieve about these things....i just thought someone here may be able to help shed some light into my fuddled brain!!
Seems to me like it's not even wroth it. You probably won't get approved what with how hard it is to get credit right now, and if you are someone who could get approved, you probably already have the money in the bank, so why not just buy it outright?
erm....cos i don't have the money outright! i can however afford to pay monthly without any problems...i feel depressed right now....
so what are the odds of the macbooks being released same day of the keynote or whatver.
because this tuesday im running the mile and its my last class of the day so it would be a GREAT day to skip it and go to apple store.
and if it isnt out on tuesday, will it only come out on a tuesday? as in like the 21st or the 27th?
because this tuesday im running the mile and its my last class of the day so it would be a GREAT day to skip it and go to apple store.
and if it isnt out on tuesday, will it only come out on a tuesday? as in like the 21st or the 27th?
erm....cos i don't have the money outright! i can however afford to pay monthly without any problems...i feel depressed right now....
Just work out what the interest is, whether you can afford it, and decide how much you want a new laptop. Simple!
It possibly doesn't mean much, but this knowledge base article seems to imply that manufacturing of the new Macbooks began in September. So that's what I'm holding out hope for!
i'm a lot fuddled by all this credit crunch stuff....what will it actually mean for me if i buy my new apple macbook through the apple financing system and pay for my macbook monthly? will i be getting myself into hot water with that or will i not be affected at all...sorry to be so naieve about these things....i just thought someone here may be able to help shed some light into my fuddled brain!!
As long as you're confident you can keep up the payments, you shouldn't have any problem.
Their finance is a ripoff though - if it's anything like how I got mine 5 years ago (when I was far more naive and uneducated) you end up paying 2X the cost of the notebook.
Edit: Yeah, it's Barclays Partner Finance. Avoid like the plague. Here's a calculation directly from the Apple website:
MacBook White (13-inch, 2.0GHz, 512MB of RAM) £899 36 months £43
43 * 36 = £1548! For an £899 laptop! Utterly ridiculous...
There are far better options. A 0% credit card perhaps, if you can pay it off within the 0% period (generally 6-12 months). Even a bank loan, which you can often get deposited instantly into your account, is probably better.
Go read up at: http://www.moneysavingexpert.com - cards/loans section. In the current situation, being clued up before grabbing credit would be a very smart move and save you hundreds (if not £1000+ going by some of these store credit deals!)
i'm a lot fuddled by all this credit crunch stuff....what will it actually mean for me if i buy my new apple macbook through the apple financing system and pay for my macbook monthly? will i be getting myself into hot water with that or will i not be affected at all...sorry to be so naieve about these things....i just thought someone here may be able to help shed some light into my fuddled brain!!
Apple appear to use Barclays Partner Finance (Used to be called Clydesdale Finance) and seem to charge 15.7% APR which I presume is fixed. Ask if your not sure. So if it's fixed then the credit crunch shouldnt chage the interest rate. However there are probably cheaper ways to get finance. I would look at some of the 0% finance credit cards that are floating around at the moment.
They're actually very reasonable nowadays; for a half-height one ("half-height" being something of a misnomer nowadays, as nobody makes full-height drives anymore!) it's as low as $200. There would obviously be something of a premium for a laptop-sized drive, but it should still be rather reasonable. ($300?)have you seen how much a bluray writer costs?
get real
ok, thanks, i will check these things out
Follow what this guy had said. You can really play the system if you keep your eye on the ball. Take out a good credit card. (examples on moneysavingexpert.com). Buy the MBP/MB, and the month before the interest free period ends take out a new credit card and balance transfer all the money over to the new card. Card companies will do this for you automatically and will ask if you want to do it when taking out the new card. You have to do very little work.
This is good because
a) you don't then pay monthly interest for example on the £1500 you spent on the notebook. You pay a small one off fee to transfer the balance typically about 2% of the total sum you're transfering. (much less than what you would be paying if you stuck with your original card.)
b) When you transfer a balance to a new card, card companies tend to give a much larger interest free period than the interest free period for purchases. For purchases it's usually 3-6 months. For balance transfer its usually 10-18 months. This gives you plenty of time to pay off the amount monthly, paying substantially less. And not to worry, if by the end of that interest free period, you can move to another card again doing the same process.
c) You can cancel the old card as there will be nothing left outstanding on it, and this will improve your over all credit score.
There's more information about all of this on moneysavingexpert.
ps. I am siked for my new MBP. I've been waiting since late Aug, not too long, but starting to need it!
I don't even need a new notebook. I have a one year old white MacBook base model. I run Safari, Mail, Photoshop, Flash, iTunes at once, max. It works perfectly. It's in beautiful condition. And today I posted it on eBay because I want to buy the new one. Why do I want this new one so bad? Because Apple made it mysterious, and that's sexy, and I like sex. The new product might not even be a leap ahead of the game, but I know that I am buying it. My MacBook is going to sell on eBay and I'll need a new one. Apple is truly a cult of advertising philosophy. Apple is treacherous. Apple is clever and dangerous.
Totally agree. I'd just add that it's best to be more cautious than usual in the current situation, in case (for example) balance transfer cards get more and more difficult to get hold of with the credit crunch. But that's just my personal opinion, based on the fact that free balance transfers ended about a year go and whilst the norm is about 2.5% it's worth keeping an eye on.
Will other stores that sell Apple products/computers get the new notebooks right away when they are released ? Or Will Apple sell them exclusively for a little while before that ? Just curious
It usually takes a few days for other non-Apple stores to get new products.
BothWill they be at apple retail stores or only at the online store?
What's my best bet... Bluewater or Regent Street? I can get to either after work on Tuesday or Regent Street lunchtime on Wednesday.... Hope they don't sell out in that time
Far as I can recall from other releases, they don't fly off the shelves like iPods do. Should be enough I reckon. But Bluewater is a hole in the ground so maybe it's got a better chance!
Trafford Centre here - probably a couple of days after release to see what all the problems are first.
Trafford Centre here - probably a couple of days after release to see what all the problems are first.
So I guess they'll be announced around 6pm our time.... if I headed down to Bluewater before closing at 8 do you recon they'd have them out or would I have to wait till the next day?
I said this a few (6 or so) pages ago but anyway, the start of the years Macbook/Macbook Pros too about one week to come on to the shelves of Apple Resellers (eg. Domayne, Mac1). Since there is only one Apple Retail Store in Australia, (in Sydney 3 hours away) I'm not sure about them.....
Why don't you ring them to see if they have any:
(1) already?
(2) left?