Kwaad said:
your mother said:
Kwaad said:
RolStoppable said:
Kwaad said:
I have Resistance, Motorstorm, Tekken5:DR, fl0w, gonna buy Calling all cars come thursday or friday. (hopefully if I have enough money). |
"Gonna buy Calling all cars if I have enough money." Isn't that a game from the playstation store, shouldn't cost more than 10$. But you could afford a 600$ sound system. You are so funny. Haha.  |
Credit cards are your friend. And it's a electronics store card, only works there. It wont work anywhere else. So yeah. |
If you really think a credit card is your friend, you shouldn't be working any job and instead take even an elementary economics course. But that's alright - keep on charging off your plastic - I hope you enjoy the rest of your life in eternal debt. Edit: Nevermind about the economics course; it's obvious you can't afford that, and it's obvious you wouldn't use your plastic for something as trivial and secondary as investing in your future, as spending on Sony's coffers is much more important. |
24 months no intrest. Guess that just owned you. I got a 2 year loan without intrest on my sound system. |
No, ignorant fool, you got owned by them. There is no such thing as a free lunch. If you've studied past elementary school you would know that:
Just like individuals, all businesses pay for credit. When a business offers you an "interest free" deal it has built the cost of financing (the interest) into the price of the goods. It's a marketing trick. And just like any other piece of propagandistic hoopla, you fall for it hook, line and sinker - just like any ignorant consumer would do (read; Kwaad).
You can't approach that firm offering "interest free" credit and ask them to knock something off the price because you can afford to pay either. Legally, when they make such an offer they can't then differentiate between customers who are paying up-front and those taking credit (well, actually where I live you can because there are no such laws - as soon as you even mention "plastic" they will slap 3% on computer prices because they assume you will pay in cash, and they don't want to lose money because they have to pay handling fees to the credit card institution; even if you want to debit directly from your savings they will up the price 1% because the bank will charge them 1% for handling fees. Ignorant, ignorant fool.). If you do get a business that says it'll knock something off the "interest free" price for a full payment you can report them to your local trading standards (BBB, you ignorant fool). They'll tell you that there is no charge being made for the credit and they therefore can't give you a discount for not taking credit. Yeah, right... I also sell bridges, you interested in one?
Anyone with even a remotely basic grasp of finances and economics (you obviously don't, you ignorant fool) that has funds available will avoid firms that offer "interest free" terms. You could be paying a built in charge for a facility that you don't need. If you look around hard enough - you'll find an equivalent product offered cheaper, without the "free" credit.
In summary:
- you may (also) be paying for the "privelege" of owning plastic (annual fees, supplementary card fees).
- you may be paying for the handling fees that the company (who sold you the speakers) have included into the total price of the so-called "interest-free" - it's interest-free, but the admin and handling charges have already been factored in.
- You may already be encumbered with a 1% to 4% fee for every transaction anyway, and interests accrue for every month you’re in default of payment. That is simply factored into the "interest-free" installment. And without a job, if you default once, you will pay heavily.
- but in no case are you getting anything for "free" - the costs are simply hidden.
In any case if you want to save in the long run, you buy in cash. I guess this is why people say, on a whole, most everyone in the US has everything they want, but dedicate their entire lives to pay off the things they wanted.
Don't think for a second that these financial institutions are doing something for your benefit while they don't profit. They are financiers, not philantropists.
Wait... actually, keep doing this - eventually you will be looking for two jobs like your overlord Kutaragi has commanded you to.
