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i never said thats the only reason

or were you talking to someone else

Yes, I was responding to your message. Even if you are suggesting that is part of the reason, I feel it is far fetched and I interested in learning if you have any supporting evidence. I've speculated on this matter on this forum, but I've been willing to explain me reasoning. Are you?
 
All,

I placed my BTO order at about 4:15 AM EST. At that time it said shipping in January. It also offered in store pickup on 5 Feb., which I declined. I just checked and it still says shipping in Jan. I expect late Jan., but I'm hoping for sooner.
 
Don't finance a computer. It's a rapidly depreciating asset unlike a house or other investment. Paying interest on a depreciating asset is a double loss. Save your money and get the best you can afford.

Are you kidding? People finance cars all the time and they depreciate every bit as rapidly (if not more so) than a computer!
 
Are you kidding? People finance cars all the time and they depreciate every bit as rapidly (if not more so) than a computer!

Your observation that people finance cars all the time does not in any way contradict the statement that paying interest on a rapidly depreciating asset is a double loss. You're absolutely right. People do that all that time.
 
Your observation that people finance cars all the time does not in any way contradict the statement that paying interest on a rapidly depreciating asset is a double loss. You're absolutely right. People do that all that time.

Your observation made it sound as though there was some unique reason to do with computers that made financing them a poor choice.

As for cars - most of us cannot pay cash for a new car. Nice gig if you can get it.
 
Your observation made it sound as though there was some unique reason to do with computers that made financing them a poor choice.

As for cars - most of us cannot pay cash for a new car. Nice gig if you can get it.

For the record, it was not my observation, I just agree with it. But now that you mention it, yeah, computers are an even worse purchase to finance (with interest) than cars. There are a lot more ten year old cars out there on the roads than there are ten year old computers still doing productive work. Computers are also a lot cheaper than cars. Both of those factors skew the math even less in favor of financing.
 
For the record, it was not my observation, I just agree with it. But now that you mention it, yeah, computers are an even worse purchase to finance (with interest) than cars. There are a lot more ten year old cars out there on the roads than there are ten year old computers still doing productive work. Computers are also a lot cheaper than cars. Both of those factors skew the math even less in favor of financing.

My last Power Mac purchase was financed - back in 1997 - when you could get a computer loan from the State Credit Union for 8%. I didn't have the money to buy it outright, but techno lust overcame me. 14 years later, it died. It was my day-to-day computer until the end, doing real work in Illustrator, etc on it. Got to the point where it wouldn't boot up anymore, so we put it out to pasture. I know it's probably an exception in longevity, even where Macs are concerned, but that's my experience - until Christmas a year ago when my wife surprised me with a new iMac.
 
On the topic of payment, do you guys know when my card is likely to be charged? I placed my order right after it was released last night and it's scheduled for a January delivery. At the moment it's saying processing items.

Just want to know when the payment is likely to come out so I can ensure there's definitely enough credit left on the card!

Cheers!
 
It's 0%, though. In a world where inflation exists, 0% financing is free money, since the dollars you're paying with toward the end of the loan are worth less than the dollars you'd have had to pay up front. (Note that I'm not actually familiar with the details of Apple's financing deals; there might be fees, etc. that eat up any such gains.)

Assuming you pay it off in time, which most people don't. Then the deferred interest matures, plops down on the account and now you're paying interest on interest.

Use financing for a house. Pay cash for the rest.
 
On the topic of payment, do you guys know when my card is likely to be charged? I placed my order right after it was released last night and it's scheduled for a January delivery. At the moment it's saying processing items.

Just want to know when the payment is likely to come out so I can ensure there's definitely enough credit left on the card!

Cheers!

your card won't be officially charged until the item actually ships but they will do a temporary authorization nearly right away to insure your card has the necessary funds or line of credit available.

good news is in order to keep things simple most cards will reflect a balance with temporary authorizations to keep you from over drafting the account.
 
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Not a pro. Going with the base model. I only do photography, so this should be good enough, especially coming from a base '12 rMBP.
 
Do a search on google for "apple EPP" and you can save a few dollars going through any of the links Google bots found..
 
I just ordered the 6 core for my company by calling the business store. Got a discount, which I am very happy with. If you're ordering for your business, it really pays to place the order by calling instead of the online store.
 
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