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- Thread starter pedrofan
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oops, seems like i hurt some feelings with my last comment. i apologize. i can't be the only one on here who finds it ridiculous that people finance laptops....or am i?scary thought.
Say you have $3000 in an account, and take a $2000 laptop on interest free repayments of say $80 a month for 2 years, you then have almost the whole $3000 for a holiday, treating the kids etc etc. It's basic finance.
The problem is, most don't do interest free finance over such a long period of time. Maybe people stick them on credit cards and pay the minimum amount, but my biggest concern with that is having a laptop a year down the line, already losing its value whilst you've barely paid half the original price off. You then upgrade, sell the laptop and end up paying $$$'s more than the original purchase price.
That's the same reason why I don't buy brand new cars.
Best Buy 18 months no financing. Be responsible, make your payments. If you can't pay it off in 18months, you shouldn't be buying said laptop. =D
or you can bail on a completely unnecessary purchase, and instead use the $80 to pay for gas and/or groceries
. kids and only $3000 in my account? where did i go wrong? reminds me of an old kmart commercial..."KMART LAYAWAY!"
That's the way to make no financing work for you. Divide the amount financed by 18 and make that payment every month and make sure you do it on time. One day late on one payment and the deal is off, you pay all accrued interest charges. And this is exactly what they hope you will do. You need to be responsible and this can work very well for you.
Buying a computer with financing.......and we wonder how this country has gotten itself into a debt crisis.....
I have been saving for over a year to by my first mac laptop to go with my iMac, if y'all would wait and buy one when you can afford it then you won't have the feel in like you don't quite own it
Most business owners jump at the opportunity to use someone else's money and not have to pay any interest. It is a smart thing to do if you are responsible enough to make the payments each month.
Most people don't pay cash for a car.
oops, seems like i hurt some feelings with my last comment. i apologize. i can't be the only one on here who finds it ridiculous that people finance laptops....or am i?
+1
I don't buy something unless I can actually afford it and pay upfront. In theory 0% financing is great, but in reality it does not work out that way for most people - hence why companies are able to make those offers and earn a profit. So something that could cost you $2,000 up front ends up costing you $3,000 over time. And say you have an unexpected expense or lose your job, you still have to keep making those payments.
Debt is convenient, but not often financially prudent.
thats what i luje to hear... australia is getting their S* together ...
now i wouldnt mind seeing the date on that embargo... tomorrow ... or friday
friday in australia is thursday in the US...
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If you look at 9to5mac's tweets they're trying to get a picture.
Correct.
i dont even care if theres no picture (dont get me wrong, would be really good) i just wanna know what it says on it
maybe i should just take a 6 hour drive and head down there and check it out my self...
While you're there, could you take a picture for us?!?!
We'd all love you for that.
You're an idiot to finance a trinket. Besides, businesses can take advantage of tax loopholes to depreciate their expenses.
You can't.
Go ahead... borrow that money interest free. Then, break your leg, lose your job, miss a payment by hours and watch how these people make their money in "interest free" loans.
But most need a car. They don't however *need* an overpriced macbook toy when there are cheaper alternatives that let you live within your means.
So you're saying people shouldn't have financed homes in the last 6 years because they would have known that the market was going to take a dump?
I guess I'm a huge idiot. I used to finance a lot of my expensive tech purchases when my bank account was paying 3.5%+ interest. I'd have the money in the bank to pay in full whatever I was purchasing, but opted to do 1 year 0% financing, and ended up with an extra $100+ in the bank when all was said and done. I'm stoopid.
So you're saying people shouldn't have financed homes in the last 6 years because they would have known that the market was going to take a dump?
The market never would have taken a dump if people borrowed within their means.
Anyhow, I wasn't referring to houses. I'm referring to crap people don't need, and is guaranteed to depreciate, like laptops, motorcycles, boats, holidays etc. Best to pay cash for these luxuries.
There is another way of looking at this too. If lenders hadn't loaned money to people they knew or should have known wouldn't be able to pay, things could've been a lot better.
With a long time of economic growth complacency can creep in on the part of lenders and borrowers.
i dont even care if theres no picture (dont get me wrong, would be really good) i just wanna know what it says on it
I agree. The date is what's important.
So you're saying people shouldn't have financed homes in the last 6 years because they would have known that the market was going to take a dump?
houses arent depreciatign assets... market crash or no market crash... the market will recover and you will make money on your house... i can say that with almost 100% certainty... housing over time makes money whether its over or under the 4% inflation
cars and bikes and computers all depreciate (and no one make a stupid arguement about ferraris and old school cars please)
now can we stay on topic please
its been like an hour since the original tweet ... not looking great on the picture side... but hey there are more myers and DJs out there in other aussie cities
I have saved $2,000 since last October and I am ready to pay cash for my new MacBook pro. I don't even own a credit card anyways. Debt brings unnecessary risk into the equation, always felt that way. I am 31 and will have my home paid off by next summer.
Don't finance a toy. We Americans truly lack patience and have to have everything now. Save up a few hundred a month and pay cash for one of the new beauties!
Don't finance a toy. We Americans truly lack patience and have to have everything now. Save up a few hundred a month and pay cash for one of the new beauties!
houses arent depreciatign assets... market crash or no market crash... the market will recover and you will make money on your house... i can say that with almost 100% certainty... housing over time makes money whether its over or under the 4% inflation
cars and bikes and computers all depreciate (and no one make a stupid arguement about ferraris and old school cars please)
now can we stay on topic please
its been like an hour since the original tweet ... not looking great on the picture side... but hey there are more myers and DJs out there in other aussie cities
9-to5 Mac is a US site, wth do they know about Aus?
Why tweet something like that with no hard proof?
No picture = no more visits to their site for me.