Getbig Bodybuilding, Figure and Fitness Forums

Getbig Main Boards => Gossip & Opinions => Topic started by: Irongrip400 on January 28, 2018, 11:30:48 AM

Title: Financing small purchases
Post by: Irongrip400 on January 28, 2018, 11:30:48 AM
I was getting a mattress the other day at Sleepys and noticed they had all of these signs for financing and low payments of $39 month blah blah. Anyway, I started to think about it and had a thought. That these type of stores are more than likely made by big financiers who are just looking to make interest on money. There's no way that matresses are that big a business but these stores are now on every corner like a 7-11 or something. Shit, I bought a Peleton bike and paid in full but they too had payment plans that would have you paying almost double for the thing. It seems everything out there is looking to try and force you into being some sort of debt slave. When did this shit happen? ???
Title: Re: Financing small purchases
Post by: be back on January 28, 2018, 11:33:02 AM
I was getting a mattress the other day at Sleepys and noticed they had all of these signs for financing and low payments of $39 month blah blah. Anyway, I started to think about it and had a thought. That these type of stores are more than likely made by big financiers who are just looking to make interest on money. There's no way that matresses are that big a business but these stores are now on every corner like a 7-11 or something. Shit, I bought a Peleton bike and paid in full but they too had payment plans that would have you paying almost double for the thing. It seems everything out there is looking to try and force you into being some sort of debt slave. When did this shit happen? ???

nope, they offer it and greed gets the better of you...
Title: Re: Financing small purchases
Post by: ratherbebig on January 28, 2018, 11:37:47 AM
maybe there's a "how to get people to pay double!"-manual out there
Title: Re: Financing small purchases
Post by: be back on January 28, 2018, 11:40:22 AM
maybe there's a "how to get people to pay double!"-manual out there

its called a designer label.....
Title: Re: Financing small purchases
Post by: Henda on January 28, 2018, 11:43:14 AM
They have a few stores in the uk dedicated to this they sell tellys/electronics and couches and furniture on pay weekly with massive interest rates, they target people on the dole who just see the chance to own a big flat screen telly or a nice new couch and not realise they are paying back a fortune and the item is overpriced before the extortionate interest rates
Title: Re: Financing small purchases
Post by: judochoke on January 28, 2018, 11:56:21 AM
I always use the stores zero financing offer. It’s a sweet deal.
Either one year, or somtimes two years instrest free. I have not paid
One penny in instrest in over 10 years. (Except for the house)
Title: Re: Financing small purchases
Post by: tres_taco_combo on January 28, 2018, 11:57:34 AM
watch some dave ramsey videos

he will become your best friend
Title: Re: Financing small purchases
Post by: Coach is Back! on January 28, 2018, 12:04:54 PM
I was getting a mattress the other day at Sleepys and noticed they had all of these signs for financing and low payments of $39 month blah blah. Anyway, I started to think about it and had a thought. That these type of stores are more than likely made by big financiers who are just looking to make interest on money. There's no way that matresses are that big a business but these stores are now on every corner like a 7-11 or something. Shit, I bought a Peleton bike and paid in full but they too had payment plans that would have you paying almost double for the thing. It seems everything out there is looking to try and force you into being some sort of debt slave. When did this shit happen? ???

$39 for how many months compared to buying outright?
T
Title: Re: Financing small purchases
Post by: J. Richards on January 28, 2018, 12:14:54 PM
0% is fine.... just pay ahead and pay off a month early..... Dave Ramsey is ok to a point.....  i'm not a fan of having a boatload of cash and investments at 50 years old..... wanting to have gone on vacations or finally buy a Camaro or something... and be told not to... just in case you need $$ bc of some emergency...  spend half... enjoy before your number is called.. save the rest for your emergency..... too many friends and family bit it before 60 years old..... always saying how they're gonna go places and have their "retirement car"....   all they got was a box...
Title: Re: Financing small purchases
Post by: ratherbebig on January 28, 2018, 12:21:39 PM
0% is fine.... just pay ahead and pay off a month early..... Dave Ramsey is ok to a point.....  i'm not a fan of having a boatload of cash and investments at 50 years old..... wanting to have gone on vacations or finally buy a Camaro or something... and be told not to... just in case you need $$ bc of some emergency...  spend half... enjoy before your number is called.. save the rest for your emergency..... too many friends and family bit it before 60 years old..... always saying how they're gonna go places and have their "retirement car"....   all they got was a box...

but what a box though they can afford!

(http://5625-presscdn-22-81.pagely.netdna-cdn.com/wp-content/uploads/2009/10/expensive-coffin1.jpg)
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 12:49:42 PM
but what a box though they can afford!

(http://5625-presscdn-22-81.pagely.netdna-cdn.com/wp-content/uploads/2009/10/expensive-coffin1.jpg)

 ;D

Nice box though
Title: Re: Financing small purchases
Post by: BIG AL MCKECHNIE on January 28, 2018, 12:55:20 PM
They have a few stores in the uk dedicated to this they sell tellys/electronics and couches and furniture on pay weekly with massive interest rates, they target people on the dole who just see the chance to own a big flat screen telly or a nice new couch and not realise they are paying back a fortune and the item is overpriced before the extortionate interest rates

Brighthouse is the worst for this. Selling TV's and stuff at 1000% interest over 3 years.  Funny thing is, when the Panama papers were hacked it turned out that the Queen has money invested in a fund that owns Brighthouse. So she is making tax free profits from her own poor people.
Title: Re: Financing small purchases
Post by: oldtimer1 on January 28, 2018, 12:59:13 PM
When I buy a car I never finance but buy it outright. It's unbelievable the hassle they give me trying to do that. It's always they will give me the price I want if I finance. They always throw in you can pay off the entire balance in a month.  Just wondered what is their motivation besides the obvious that they get commissions on financing. In the end I get my way with paying every penny of the car prior to driving it off the dealer's lot.
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 12:59:24 PM
Brighthouse is the worst for this. Selling TV's and stuff at 1000% interest over 3 years.  Funny thing is, when the Panama papers were hacked it turned out that the Queen has money invested in a fund that owns Brighthouse. So she is making tax free profits from her own poor people.

Stfu about the queen you loser. She was not aware of this you tosser.
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 01:03:57 PM
They have a few stores in the uk dedicated to this they sell tellys/electronics and couches and furniture on pay weekly with massive interest rates, they target people on the dole who just see the chance to own a big flat screen telly or a nice new couch and not realise they are paying back a fortune and the item is overpriced before the extortionate interest rates

Let me quess, let me quess.....PAKI'S right? Right? PAKI'S!!!!!!!!!!!!!!!!
Title: Re: Financing small purchases
Post by: be back on January 28, 2018, 01:04:18 PM
Stfu about the queen you loser. She was not aware of this you tosser.

did she give all the money back she made?
Title: Re: Financing small purchases
Post by: Henda on January 28, 2018, 01:04:45 PM
When I buy a car I never finance but buy it outright. It's unbelievable the hassle they give me trying to do that. It's always they will give me the price I want if I finance. They always throw in you can pay off the entire balance in a month.  Just wondered what is their motivation besides the obvious that they get commissions on financing. In the end I get my way with paying every penny of the car prior to driving it off the dealer's lot.

That’s the one I was thinking of, think they target the worse shithole areas Blyth has one in the market square, Blyth was once and probably still is one of the drugs capitals of the north perfect place full of poor fuckers that cannit afford owt and will flock to a store like this
Title: Re: Financing small purchases
Post by: be back on January 28, 2018, 01:05:17 PM
Let me quess, let me quess.....PAKI'S right? Right? PAKI'S!!!!!!!!!!!!!!!!
they work in corner shops...
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 01:07:31 PM
did she give all the money back she made?

Blasphemy!
None of youre business, peasant!
Title: Re: Financing small purchases
Post by: ratherbebig on January 28, 2018, 01:08:19 PM
how dare this 'be back' insult the queen? has he no shame?
Title: Re: Financing small purchases
Post by: Henda on January 28, 2018, 01:08:29 PM
Let me quess, let me quess.....PAKI'S right? Right? PAKI'S!!!!!!!!!!!!!!!!

Where I live the few pakis around are the corner shop owners so mostly white English haha there’s some right lazy cu nts around here whole family’s been on dole whole adult lives
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 01:11:48 PM
Where I live the few pakis around are the corner shop owners so mostly white English haha there’s some right lazy cu nts around here whole family’s been on dole whole adult lives

Must be relaxing though! Just hanging around doing nothing just because you can.
Not a care in  the world.
I BET THEY DONT TAKE SHITS IN THE BACK OF THEIRE VANS! OH NO THEY DONT.
Title: Re: Financing small purchases
Post by: be back on January 28, 2018, 01:12:24 PM
Explain yourself Sir.
What do you mean?

Lots of people from Pakistan own shops in the UK...
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 01:12:47 PM
how dare this 'be back' insult the queen? has he no shame?

Exactly. Stooped to new lows be has.
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 01:13:31 PM
Lots of people from Pakistan own shops in the UK...

Thanks. So not many are unemployed?
Title: Re: Financing small purchases
Post by: be back on January 28, 2018, 01:15:14 PM
Thanks. So not many are unemployed?
Not to my knowledge, they look after their own
I know a few guys from Pakistan, they dont take out mortgages, the family buy houses together and they repay each other.

No 25 year debts for them..
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 01:19:52 PM
Not to my knowledge, they look after their own
I know a few guys from Pakistan, they dont take out mortgages, the family buy houses together and they repay each other.

No 25 year debts for them..

Good for them. So why the hate?

I finally figured out how to spellcheck in English on my phone!
Title: Re: Financing small purchases
Post by: be back on January 28, 2018, 01:21:29 PM
Good for them. So why the hate?

I finally figured out how to spellcheck in English on my phone!

I dont hate anyone...
Title: Re: Financing small purchases
Post by: Mr Anabolic on January 28, 2018, 01:23:30 PM
nope, they offer it and greed gets the better of you...

Just like blipcoin mania! 
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 01:25:15 PM
I dont hate anyone...

No no I mean there seems to be a general dislike when it comes to Paki's.
Title: Re: Financing small purchases
Post by: be back on January 28, 2018, 01:26:02 PM
No no I mean there seems to be a general dislike when it comes to Paki's.

People in the UK tend to dislike everyone...
Title: Re: Financing small purchases
Post by: ratherbebig on January 28, 2018, 01:26:42 PM
they talk funny but that should be a source for amusement and laugher and not hatred
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 28, 2018, 01:26:47 PM
People in the UK tend to dislike everyone...

Fair enough
Title: Re: Financing small purchases
Post by: BIG AL MCKECHNIE on January 28, 2018, 01:30:30 PM
Stfu about the queen you loser. She was not aware of this you tosser.

I'm a Rangers supporter you kunt, the glorious Queen can do no wrong in my eyes. I love the thought that the peasant scum are lining her pockets.  :D
Title: Re: Financing small purchases
Post by: Henda on January 28, 2018, 01:34:34 PM
Must be relaxing though! Just hanging around doing nothing just because you can.
Not a care in  the world.
I BET THEY DONT TAKE SHITS IN THE BACK OF THEIRE VANS! OH NO THEY DONT.

Haha true they can comfortably use the toilet in the house the dole pays the rent for. I’m sure it is relaxing for the many that seem to get away with it, you could argue that they never have anything living like that but in reality they seem to not do without the things people work for, sometimes even live better.
Title: Re: Financing small purchases
Post by: DroppingPlates on January 28, 2018, 01:38:44 PM
When did this shit happen? ???

Since they've found out that this world is full of dumb consumers
Title: Re: Financing small purchases
Post by: Henda on January 28, 2018, 01:41:01 PM
No no I mean there seems to be a general dislike when it comes to Paki's.

This stems mainly from the fact they try and force their stinking paki ways on this country and we roll over and accept it as not to “offend” them, a local store with a long standing tradition of a hreat Christmas window display can no longer do it as Christmas offends the Muslim filth. They even sent death threats to one of their own stinking pakis boxer amir Khan because he put a Christmas tree up, that’s how much they hate the ways of the country they flock to.

The pakis born over here usually aren’t strictly Muslim and are usually ok, but a lot of them are vile fucking filth and should be rounded up and sent back to whatever shithole they came from
Title: Re: Financing small purchases
Post by: Taffin on January 28, 2018, 03:07:23 PM
I'm a Rangers supporter you kunt, the glorious Queen can do no wrong in my eyes. I love the thought that the peasant scum are lining her pockets.  :D

Just waiting for Ted to ask what the Rangers reference means  ;D
Title: Re: Financing small purchases
Post by: mphgrove on January 28, 2018, 03:14:46 PM
When I buy a car I never finance but buy it outright. It's unbelievable the hassle they give me trying to do that. It's always they will give me the price I want if I finance. They always throw in you can pay off the entire balance in a month.  Just wondered what is their motivation besides the obvious that they get commissions on financing. In the end I get my way with paying every penny of the car prior to driving it off the dealer's lot.

Yes, the car dealers drive me nuts. Try asking what the interest rate on the loan is. They will do everything possible to avoid answering. They’ll ask, “what do you want to pay per month?” “I don’t give a shit what I pay per month. Just tell me what the car costs and I’ll tell you how much I’ll put down, then you tell me what interest rate your lenders will give me, and we’ll go from there.” But they don’t think like that.
Title: Re: Financing small purchases
Post by: Primemuscle on January 28, 2018, 04:40:36 PM
Yes, the car dealers drive me nuts. Try asking what the interest rate on the loan is. They will do everything possible to avoid answering. They’ll ask, “what do you want to pay per month?” “I don’t give a shit what I pay per month. Just tell me what the car costs and I’ll tell you how much I’ll put down, then you tell me what interest rate your lenders will give me, and we’ll go from there.” But they don’t think like that.

Like with buying real estate, it's best to shop for financing prior to making a major purchase. A good rule of thumb is to pay the full balance each month on your credit card purchases. This way, the interest rate is zero, but you get to hang onto your money a little longer. I financed my last auto purchase because my bank offered me a 1% interest rate. I can and do earn more than that on the $30,000 I would have spent had I paid cash for the car. The dealer wasn't thrilled when I told them that I would not be financing the car through them.
Title: Re: Financing small purchases
Post by: Tapeworm on January 28, 2018, 04:53:16 PM
Just waiting for Ted to ask what the Rangers reference means  ;D

No great mystery, chum.  QPR.  It's HM's park.  They're HM's Rangers.  Can't imagine why a Scot would move there but maybe he came for the Cat Stevens and stayed for, well, idk whatever people in QP stay there for.
Title: Re: Financing small purchases
Post by: Irongrip400 on January 28, 2018, 06:26:26 PM
Much like my parrots thread, I seem to have missed my mark.
Title: Re: Financing small purchases
Post by: mphgrove on January 29, 2018, 07:31:09 AM
Like with buying real estate, it's best to shop for financing prior to making a major purchase. A good rule of thumb is to pay the full balance each month on your credit card purchases. This way, the interest rate is zero, but you get to hang onto your money a little longer. I financed my last auto purchase because my bank offered me a 1% interest rate. I can and do earn more than that on the $30,000 I would have spent had I paid cash for the car. The dealer wasn't thrilled when I told them that I would not be financing the car through them.

I am very willing to finance through them IF they talk straight, which they usually insist on not doing. If you go through their banks (and buy some of the add-ons like extended warranty), you usually can get a lower actual price on the car.
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 29, 2018, 01:11:24 PM
I'm a Rangers supporter you kunt, the glorious Queen can do no wrong in my eyes. I love the thought that the peasant scum are lining her pockets.  :D

What the fux is a Ranger supporter bro and what the fux has this to do with our queen?
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 29, 2018, 01:13:53 PM
Haha true they can comfortably use the toilet in the house the dole pays the rent for. I’m sure it is relaxing for the many that seem to get away with it, you could argue that they never have anything living like that but in reality they seem to not do without the things people work for, sometimes even live better.

LOL new iphone, ipad, sigarettes, beer, car etc. Doing nothing pays off!
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 29, 2018, 01:15:45 PM
This stems mainly from the fact they try and force their stinking paki ways on this country and we roll over and accept it as not to “offend” them, a local store with a long standing tradition of a hreat Christmas window display can no longer do it as Christmas offends the Muslim filth. They even sent death threats to one of their own stinking pakis boxer amir Khan because he put a Christmas tree up, that’s how much they hate the ways of the country they flock to.

The pakis born over here usually aren’t strictly Muslim and are usually ok, but a lot of them are vile fucking filth and should be rounded up and sent back to whatever shithole they came from

Proper colourful  explanation  ;D
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 29, 2018, 01:21:06 PM
Just waiting for Ted to ask what the Rangers reference means  ;D

You know youre gimmicks well ;D
Title: Re: Financing small purchases
Post by: Taffin on January 29, 2018, 01:36:21 PM
Just waiting for Ted to ask what the Rangers reference means  ;D

No great mystery, chum.  QPR.  It's HM's park.  They're HM's Rangers.  Can't imagine why a Scot would move there but maybe he came for the Cat Stevens and stayed for, well, idk whatever people in QP stay there for.

Could be.  Or he may have been making a reference to Rangers vs Celtic

(Marching season is fast approaching after all...)

You know youre gimmicks well ;D

 8)
Title: Re: Financing small purchases
Post by: Ted SuperSet on January 29, 2018, 01:41:44 PM
No great mystery, chum.  QPR.  It's HM's park.  They're HM's Rangers.  Can't imagine why a Scot would move there but maybe he came for the Cat Stevens and stayed for, well, idk whatever people in QP stay there for.

The fuck is this jibber jabber?


(https://s18.postimg.org/yqpzo9bix/MMPR_Still04.jpg)
Title: Re: Financing small purchases
Post by: Primemuscle on January 29, 2018, 04:33:00 PM
I am very willing to finance through them IF they talk straight, which they usually insist on not doing. If you go through their banks (and buy some of the add-ons like extended warranty), you usually can get a lower actual price on the car.

True. If I buy another car, I'm gonna get it through Costco or True Car as long as I can get exactly what I want, as in color, interior and exterior trim, leather seats, etc.
Title: Re: Financing small purchases
Post by: Taffin on February 02, 2018, 01:26:38 PM
Could be.  Or he may have been making a reference to Rangers vs Celtic

(Marching season is fast approaching after all...)

 8)

Yep, Big Al is definitely referring to Rangers  8)  (Quoted from Tricolor thread)

Glad they banned that rag. Its been offending me at Ibrox stadium for years.  If they love Ireland so much they should fuck off back there now that the potato famine is over.

The flag of Ireland is the Saint Patrick's Saltire which is the red diagonal cross on the white background which forms part of the glorious Union Jack.   The green, yellow and white abomination should have been banned years ago.
   
Title: Re: Financing small purchases
Post by: Ted SuperSet on February 02, 2018, 05:42:37 PM
(https://s18.postimg.org/yqpzo9bix/MMPR_Still04.jpg)
Title: Re: Financing small purchases
Post by: BIG AL MCKECHNIE on February 02, 2018, 06:15:16 PM
What the fux is a Ranger supporter bro and what the fux has this to do with our queen?

The Glasgow Rangers wee man. The most loyalist and Royalist football club in Britain and the most successful football club in the world. Since 1872 we have won more titles than any other club. Even finished equal top on points in the Florida cup last month.

And we are known as the Teddy Bears so you really should already know this.  :D
Title: Re: Financing small purchases
Post by: Griffith on February 03, 2018, 03:03:55 AM
Good for them. So why the hate?

I finally figured out how to spellcheck in English on my phone!

Because they are obsessed with their Moslem religion and expect the U.K. to conform to their beliefs.

And they threaten to outbreed the local population and make the entire country a cesspool.
Title: Re: Financing small purchases
Post by: Ted SuperSet on February 03, 2018, 05:43:39 AM
The Glasgow Rangers wee man. The most loyalist and Royalist football club in Britain and the most successful football club in the world. Since 1872 we have won more titles than any other club. Even finished equal top on points in the Florida cup last month.

And we are known as the Teddy Bears so you really should already know this.  :D

Totally unknown to me brother. I am no soccer expert.
More in to badminton.