Best Buy Secret Sale?

[62tele]

"I guess it makes sense that our government won't exercise fiscal discipline if those living in this country won't. lol"

I have news for you. We are a consumer driven economy. Without credit, our economy would be deeper in the hole. Credit isn't bad. Irresponsible use of credit is bad.

As for our government, perhaps if we didn't subsidize the oil industry, give enormous tax credits to the affluent or have $3 trillion wars we we could get closer to a balanced budget. I seem to recall that Clinton left W with a surplus.

Ps: get off your high horse about credit.

 

[ZipZap]

Ignore this preaching jerk who thinks he's so much better than you cause he doesn't use credit. If you want to finance go head, I know I do cause I'm broke working for BB. As far as the sale goes, there may have been an online Easter sale yesterday. Corporate doesn't really tell us retail folks what deals we have online so the fact that I never heard anything about it doesn't mean much. You might be able to go into the store and ask complain enough to get a manager to override it for you since it was only like 60 bucks. Never hurts to ask man!

You probably should have said nothing. You'll understand when you've been in the real world for a while longer.

 

[RicoRich196]

Unnecessary post is unnecessary. Who are you to judge people based on how broke they are/where they work?

And who are you to judge what post is necessary and unnecessary? I didn't judge anyone, he admitted to being broke all on his own. The bolded text from the post effectively proves the point of the whole argument presented in this thread. The image only supports that.

 

[TheMacBookPro]

And who are you to judge what post is necessary and unnecessary? I didn't judge anyone, he admitted to being broke all on his own. The bolded text from the post effectively proves the point of the whole argument presented in this thread. The image only supports that.

Tell me, in what universe is an image of a bunch of idiots facepalming a useful post which adds to the discussion?

So the guy might be biased towards financing as opposed to paying it off in one go because he's broke- does that make his opinion worthless? Maybe, but not more than your gif that's for sure.

 

[BIRDinho]

"I guess it makes sense that our government won't exercise fiscal discipline if those living in this country won't. lol"

I have news for you. We are a consumer driven economy. Without credit, our economy would be deeper in the hole. Credit isn't bad. Irresponsible use of credit is bad.

As for our government, perhaps if we didn't subsidize the oil industry, give enormous tax credits to the affluent or have $3 trillion wars we we could get closer to a balanced budget. I seem to recall that Clinton left W with a surplus.

Ps: get off your high horse about credit.

This ^^

 

[mjo404]

OP - Your sale is back... 949.99 "In-Cart"

 

[BIRDinho]

OP - Your sale is back... 949.99 "In-Cart"

Does anyone know if Best Buy offers a price guarantee for products bought less than a week before the sale started?

 

[torbjoern]

Right. Nobody NEEDS a MB Air, so don't even go there. If things are tight and he needs a computer, Acer sells one for $299 that will accomplish everything you can do on a MB Air. The issue is people WANT macbook air because they look nicer, are cooler, etc. I don't blame em, but if I were so hard up that I couldn't buy a laptop without borrowing the money from someone else to buy it, it would cause me to reevaluate if it's a NEED or a WANT.

Entitlement. Like I said. Has nothing to do with his credit history, nor his computing needs, etc. I'm just going to stop arguing, because the average american is more than $10k in debt, so naturally most people are defensive as it's the life they've learned to be stuck in. But I will say, having zero debt feels amazing.

It's true that nobody needs the extra features that the Air provides. I bought mine because I wanted it, but I had good reasons to want it, though ;-) Besides, I was going to buy an Apple notebook anyway. Since it was to be my only Mac and my primary computer, I allowed myself to purchase the Air. The price was equivalent to 9 months of cigarette consumption (yes, I used to be a smoker).

When you're writing about debt, I get curious about what kind of debt... mainly about what interest rates they pay for those $ 10k. Is it around 5-6 % or more like 25-30 %? In the former case, 10k is not really that much, but in the latter one, there would be reasons to be worried.

 

[notjustjay]

When you're writing about debt, I get curious about what kind of debt... mainly about what interest rates they pay for those $ 10k. Is it around 5-6 % or more like 25-30 %? In the former case, 10k is not really that much, but in the latter one, there would be reasons to be worried.

With a debt load of around $10K I would imagine this refers to credit card or line of credit, which can range wildly. My (unsecured) line of credit runs about 5% interest, and a secured one would presumably be less. My credit cards, on the other hand, vary from 18% to 28% interest -- but of course I try very hard to keep the balance on those as close to 0 as possible.

But in the horror story days, I was looking at $3000-4000 in credit card debt, and THAT was a hard treadmill to get off.

 

[KohPhiPhi]

Not to try to start a fight, but no, you're not using their money. You're prolonging the payment in exchange for collateral, this sort of misinformation is why we're in such trouble as a country. When you defer payments, you face devaluation of your collateral and inflation's devaluation of currency, so it's never smart to do. For years, we've been programmed to think using credit is okay... it used to be that credit was okay for buying a house, then it became a car is okay... now people think it's okay to finance a computer. That's one of the worst possible things you can finance.

Do you realize that you got it wrong regarding inflation? inflation won't hurt the borrower but the lender.

At a 0% interest, I would certainly finance absolutely everything I could while keeping my capital in an interest-bearing bank account. Why wouldn't I? the purchase costs me the same, plus inflation ticks in my favor plus I get paid for my capital.

 

[torbjoern]

Do you realize that you got it wrong regarding inflation? inflation won't hurt the borrower but the lender.

At a 0% interest, I would certainly finance absolutely everything I could while keeping my capital in an interest-bearing bank account. Why wouldn't I? the purchase costs me the same, plus inflation ticks in my favor plus I get paid for my capital.

I think you're absolutely right about this, given that you have the discipline to actually have that money when the 0%-period expires. The associated finance institution has put down a bet against that, so it's up to you to prove them wrong ;-)

But in the horror story days, I was looking at $3000-4000 in credit card debt, and THAT was a hard treadmill to get off.

Something similar happened to my parents when they were about the same age that I am now. It's hard for me to imagine that happening to them (of all), but that kinda proved to me that it can happen to anyone.

 

[onthecouchagain]

http://www.9to5mac.com/64917/best-buy-has-huge-mac-sale-not-just-for-imac-refresh/ According to 9to5

 

[MacManTexas56]

Not to try to start a fight, but no, you're not using their money. You're prolonging the payment in exchange for collateral, this sort of misinformation is why we're in such trouble as a country. When you defer payments, you face devaluation of your collateral and inflation's devaluation of currency, so it's never smart to do. For years, we've been programmed to think using credit is okay... it used to be that credit was okay for buying a house, then it became a car is okay... now people think it's okay to finance a computer. That's one of the worst possible things you can finance.

So i guess you own a house outright, own your car outright, have zero student loan debt and don't own a credit card??

 

[MacManTexas56]

Do you realize that you got it wrong regarding inflation? inflation won't hurt the borrower but the lender.

At a 0% interest, I would certainly finance absolutely everything I could while keeping my capital in an interest-bearing bank account. Why wouldn't I? the purchase costs me the same, plus inflation ticks in my favor plus I get paid for my capital.

hey back off, he's got his MBA remember

oh yeah, and it's a he LOL

 

[MacManTexas56]

Right. Nobody NEEDS a MB Air, so don't even go there. If things are tight and he needs a computer, Acer sells one for $299 that will accomplish everything you can do on a MB Air. The issue is people WANT macbook air because they look nicer, are cooler, etc. I don't blame em, but if I were so hard up that I couldn't buy a laptop without borrowing the money from someone else to buy it, it would cause me to reevaluate if it's a NEED or a WANT.

Entitlement. Like I said. Has nothing to do with his credit history, nor his computing needs, etc. I'm just going to stop arguing, because the average american is more than $10k in debt, so naturally most people are defensive as it's the life they've learned to be stuck in. But I will say, having zero debt feels amazing.

go look at the wonderful role model that the US government is. go to the credit boards....
you're ridiculous.