rgriffin25 Moderator Feb 11, 2004 865 0 28 Kansas Jan 25, 2006 #1 Just curious as to how most of us purchase our HT equipment. I learned my lesson the hard way when I was younger. So no credit for me. Working in electronics retail has its advantages price wise. I always find a good deal and sell when I have money to buy something I want with cash. Last edited: Jan 25, 2006
Just curious as to how most of us purchase our HT equipment. I learned my lesson the hard way when I was younger. So no credit for me. Working in electronics retail has its advantages price wise. I always find a good deal and sell when I have money to buy something I want with cash.
jaxvon Audioholic Ninja Feb 17, 2004 4,192 0 0 39 University of Michigan, Ann Arbor Jan 25, 2006 #2 Cash on plastic (debit card). I don't like to spend money I don't have. That way I know the equipment is MINE! ALL MINE!
Cash on plastic (debit card). I don't like to spend money I don't have. That way I know the equipment is MINE! ALL MINE!
Bryce_H Senior Audioholic Oct 20, 2004 725 0 28 San Antonio, TX Jan 25, 2006 #3 I usually pay with a credit card, but only if there is special financing (i.e. 12 month no interest, no payments). Then I take the total price and divide it by the term of the financing minus one month. Then make that payment per month and pay the balance off one month prior to the terms of the financing ending. i.e if I buy something that costs, say $1100 and I get 12 months free financing with no interest. I would pay $100 a month for 11 months bringing my balance to $0 one month prior to the terms expiring.
I usually pay with a credit card, but only if there is special financing (i.e. 12 month no interest, no payments). Then I take the total price and divide it by the term of the financing minus one month. Then make that payment per month and pay the balance off one month prior to the terms of the financing ending. i.e if I buy something that costs, say $1100 and I get 12 months free financing with no interest. I would pay $100 a month for 11 months bringing my balance to $0 one month prior to the terms expiring.
STRONGBADF1 Audioholic Spartan Jul 4, 2005 7,482 0 113 When you own the world you're always home Jan 25, 2006 #4 I always use a credit card so if there is any problems I can fight it through the card company if needed. I always pay it off before any interest is charged.
I always use a credit card so if there is any problems I can fight it through the card company if needed. I always pay it off before any interest is charged.
jonnythan Audioholic Ninja Jan 20, 2006 3,174 0 83 Jan 25, 2006 #5 Credit card. They have a ton of clout and buyer protection. If you get screwed on something you paid for with a CC, they WILL make it right (especially AmEx). No excuse to buy with cash.
Credit card. They have a ton of clout and buyer protection. If you get screwed on something you paid for with a CC, they WILL make it right (especially AmEx). No excuse to buy with cash.
Matt34 Moderator Jul 21, 2005 6,574 0 113 Jan 25, 2006 #6 Online purchases I use a credit card. In store, debit.
highfihoney Audioholic Samurai Jan 3, 2006 2,384 0 0 Jan 25, 2006 #7 i pay mostly cash for everything (debit card).
zipper Full Audioholic Jan 23, 2004 499 0 18 Dark Side of the Moon Jan 25, 2006 #8 CC for protection, then pay it the next month.......
CaliHwyPatrol Audioholic Chief Sep 1, 2005 783 0 43 40 Elk Grove Jan 26, 2006 #9 My CC doubles the manufacturer's warranty on anything I purchase with it, therefore I use that then pay it off with cash right after I buy it. (online banking) So I guess it is an amalgamation of both? ~Chuck
My CC doubles the manufacturer's warranty on anything I purchase with it, therefore I use that then pay it off with cash right after I buy it. (online banking) So I guess it is an amalgamation of both? ~Chuck
STRONGBADF1 Audioholic Spartan Jul 4, 2005 7,482 0 113 When you own the world you're always home Jan 26, 2006 #10 CaliHwyPatrol said: My CC doubles the manufacturer's warranty on anything I purchase with it, therefore I use that then pay it off with cash right after I buy it. (online banking) So I guess it is an amalgamation of both? ~Chuck Click to expand... What if you buy form an unathorized internet source. Can you go through the cc company for your warrenty or is it then void also. Maybe you have to wait until the oem period is over then the cc warrenty kicks in??? Just scaming...
CaliHwyPatrol said: My CC doubles the manufacturer's warranty on anything I purchase with it, therefore I use that then pay it off with cash right after I buy it. (online banking) So I guess it is an amalgamation of both? ~Chuck Click to expand... What if you buy form an unathorized internet source. Can you go through the cc company for your warrenty or is it then void also. Maybe you have to wait until the oem period is over then the cc warrenty kicks in??? Just scaming...
KeithT Audioholic Intern Jan 2, 2006 31 0 0 California Jan 26, 2006 #11 cash/debt card only for local, money order/debt for long distance
Duffinator Audioholic Field Marshall Aug 26, 2004 1,619 0 48 Roseville, CA Jan 26, 2006 #12 Other Online is always a credit card. In person: if it's under $100 debit card or cash, over $100 CC and then pay it off when the bill comes in. I'm sure you all know this but never use a debit card for online purchases, you are much safer using a CC.
Other Online is always a credit card. In person: if it's under $100 debit card or cash, over $100 CC and then pay it off when the bill comes in. I'm sure you all know this but never use a debit card for online purchases, you are much safer using a CC.
CaliHwyPatrol Audioholic Chief Sep 1, 2005 783 0 43 40 Elk Grove Jan 26, 2006 #13 STRONGBADF1 said: What if you buy form an unathorized internet source. Can you go through the cc company for your warrenty or is it then void also. Maybe you have to wait until the oem period is over then the cc warrenty kicks in??? Just scaming... Click to expand... I have no idea, I don't buy from unauthorized internet sources, so I couldn't tell you. But logically, if there is no warranty to begin with (due to buying from an unauthorized source) then doubling nothing still gives you nothing, thus still having no warranty. ~Chuck
STRONGBADF1 said: What if you buy form an unathorized internet source. Can you go through the cc company for your warrenty or is it then void also. Maybe you have to wait until the oem period is over then the cc warrenty kicks in??? Just scaming... Click to expand... I have no idea, I don't buy from unauthorized internet sources, so I couldn't tell you. But logically, if there is no warranty to begin with (due to buying from an unauthorized source) then doubling nothing still gives you nothing, thus still having no warranty. ~Chuck
j_garcia Audioholic Jedi Jul 11, 2005 32,531 0 113 Jan 26, 2006 #14 Depends on where I'm buying it. If I find a good deal on the web, new or used, I use CC for protection. Local stuff, if I don't have the cash, that means I can't afford it (start saving )
Depends on where I'm buying it. If I find a good deal on the web, new or used, I use CC for protection. Local stuff, if I don't have the cash, that means I can't afford it (start saving )
J jrfuda Audioholic Intern Feb 1, 2005 30 0 0 San Antonio, TX, USA Jan 26, 2006 #15 There are a lot of advantages to paying with a CC over cash - mos thave mentioned. 1. Buyer protection, additional warranty 2. CC Rewards (miles, cash back, etc.) though this is only "worth it" if you pay you balance in full each month. Fortuneately we DO pay in full each month. All our bills are paid online and/or automatically so no more check writing for us either! It has actually gotten to the point where cash is a pain, we always have to keep some on hand in case we want some fast food or something - though more and more of these places are taking plastic now We do budget carefully, however - becuase if we ever get our monthly CC balance higher than we can afford to pay in full at the end of the month, then we're in trouble, becuase rewards cards carry higher interest rates than regular cards. We've been getting 1-2 free round trip tickets every year for the past few years since we've adopted this system and haven't paid a lick of interest to anyone since 2000
There are a lot of advantages to paying with a CC over cash - mos thave mentioned. 1. Buyer protection, additional warranty 2. CC Rewards (miles, cash back, etc.) though this is only "worth it" if you pay you balance in full each month. Fortuneately we DO pay in full each month. All our bills are paid online and/or automatically so no more check writing for us either! It has actually gotten to the point where cash is a pain, we always have to keep some on hand in case we want some fast food or something - though more and more of these places are taking plastic now We do budget carefully, however - becuase if we ever get our monthly CC balance higher than we can afford to pay in full at the end of the month, then we're in trouble, becuase rewards cards carry higher interest rates than regular cards. We've been getting 1-2 free round trip tickets every year for the past few years since we've adopted this system and haven't paid a lick of interest to anyone since 2000
M markw Audioholic Overlord Nov 26, 2003 11,607 0 113 Jan 26, 2006 #16 Ditto. STRONGBADF1 said: I always use a credit card so if there is any problems I can fight it through the card company if needed. I always pay it off before any interest is charged. Click to expand... Wot he said! Let the credit card loan me the cash for up to 45 days with no interest. ...and have someone on my side if I get screwed. So far I've been lucky but I deal with well established companies.
Ditto. STRONGBADF1 said: I always use a credit card so if there is any problems I can fight it through the card company if needed. I always pay it off before any interest is charged. Click to expand... Wot he said! Let the credit card loan me the cash for up to 45 days with no interest. ...and have someone on my side if I get screwed. So far I've been lucky but I deal with well established companies.
Resident Loser Senior Audioholic Sep 7, 2004 558 0 0 Nueva Jork Jan 26, 2006 #17 I use a CC... ...for a coupla' reasons...most which have been already mentioned...also I don't have to carry truckloads of cash nor do I have to count my change or worry about gettin' bogus bux...however, I don't carry a balance...Amex doesn't allow it and my other cards get paid in full upon receipt of their statement...so it's really deferred cash and a bookkeeping aid... jimHJJ(...I have no interest in paying interest...)
I use a CC... ...for a coupla' reasons...most which have been already mentioned...also I don't have to carry truckloads of cash nor do I have to count my change or worry about gettin' bogus bux...however, I don't carry a balance...Amex doesn't allow it and my other cards get paid in full upon receipt of their statement...so it's really deferred cash and a bookkeeping aid... jimHJJ(...I have no interest in paying interest...)
jeffsg4mac Republican Poster Boy Dec 26, 2003 2,704 0 0 61 Chichester, NH Jan 26, 2006 #18 CaliHwyPatrol said: But logically, if there is no warranty to begin with (due to buying from an unauthorized source) then doubling nothing still gives you nothing, thus still having no warranty. ~Chuck Click to expand... Unless we are talking about evolution, where you can get something from nothing. Oh sorry off topic, but I could not resist it
CaliHwyPatrol said: But logically, if there is no warranty to begin with (due to buying from an unauthorized source) then doubling nothing still gives you nothing, thus still having no warranty. ~Chuck Click to expand... Unless we are talking about evolution, where you can get something from nothing. Oh sorry off topic, but I could not resist it
G gnagel Junior Audioholic Dec 14, 2005 72 0 0 Chicago, Illinois Jan 26, 2006 #19 I always pay with a credit card. I always pay off the balance before any interest accrues. Credit cards offer too many benefits over cash---convenience, rewards (e.g., 1% cash back), protection, etc.
I always pay with a credit card. I always pay off the balance before any interest accrues. Credit cards offer too many benefits over cash---convenience, rewards (e.g., 1% cash back), protection, etc.
CaliHwyPatrol Audioholic Chief Sep 1, 2005 783 0 43 40 Elk Grove Jan 26, 2006 #20 jeffsg4mac said: Unless we are talking about evolution, where you can get something from nothing. Oh sorry off topic, but I could not resist it Click to expand... Well in the interest of evolution, we should ask the chimps what they use to pay for things. Then we can see how far we've come along. ~Chuck
jeffsg4mac said: Unless we are talking about evolution, where you can get something from nothing. Oh sorry off topic, but I could not resist it Click to expand... Well in the interest of evolution, we should ask the chimps what they use to pay for things. Then we can see how far we've come along. ~Chuck
