Whats your opinion of Buy Now Pay Later?

[Rio]

https://www.youtube.com/watch?v=zFODezPtQDU

"We Need To Talk About “Buy Now Pay Later”"

Do we all really have to pay 6% to 10% more for everything, because the service exist? Are people really using it to buy stuff like a domino's pizza?

[WraithTargundaMajarie]

Diposting pertama kali oleh Tonepoet:

Her argument has one minor flaw. The standard price for an object isn't really set by the retailers. The standard price is set by the manufacturers. I don't think video games went from a $50 M.S.R.P. to a $60 or $70 M.S.R.P. because of Klarma.

Video Games didn't exactly rise with Inflation...

But it certainly feels like it did...

Cause Games are too expensive now... Simply over Greedy practices...

But that doesn't mean that the Tech world is Cheap right now,
nor that Video Games are cheap either??


In the USA a Hard Drive for 5TB Portable used to cost $20,
Today it's like $345... A $25 to $30 Controller Today is $125...

To Build My Computer that is around 15 actual Years Old,
is actually like $2,300 Today...

Today's Computers are like $5,000 & $7,500 To Actually Own & Build...



You Know What People Are Making Right Now In This Economy??

Their Computer costs more then their friggen cars...

The People in this Economy isn't buying Electric Cars,
The People in this Economy isn't buying anything...

Majority of them wanna leave the State...
Not leave the Town, actually leave the State...

And Majority of them don't realize,
This State isn't the only State going through this...

I've seen People literally claim they wanna leave
America, & go back to Japan, or go back to China,
or back to wherever they want to leave to...


Not one Person has said the Economy is doing fine...



Seee, my Town is getting better?? But an underlying condition is there,
& there is nothing we can do about that underlying condition,
because my Town isn't in control of that underlying condition...

However, that can change at any moment, simply,
cause it would not take much for my Town to just
simply get wisened up a bit, & actually learn something...

But sooo far they haven't done it...


I'm just saying...

Video Games are becoming more expensive then actual cars...

It's not just the Video Games, it's the hardware that runs on them...



Only a small portion of People are dum
enough to go Electric with $60,000 spent...


Just saying...


I mean, someone really, really does not want us Playing Video Games...
& Watching TV in this right now, current Economy of bullsht...

And I'm almost at the point where i'm just gonna try,
& see if I can blow the doors off their Economy problems...

Change my Marketing situation, & see if I can
really, really drive the Economy into my direction,
instead of Biden Nomics Driection...

But we'll see...

[↑↑↓↓←→←→BASelect]

Great if you want a 35% APR.

[Fajita Jim]

Diposting pertama kali oleh Anoi Hidalgo:

Diposting pertama kali oleh Tonepoet:

Her argument has one minor flaw. The standard price for an object isn't really set by the retailers who elect to use these services. The standard price is set by the manufacturers. I don't think video games went from a $50 M.S.R.P. to a $60 or $70 M.S.R.P. because of Klarma.

most pc games dont have manufacturers anymore, they started phasing that out for all digital. You'd think with cutting out the manufacturing and shipping costs games woukd be cheaper now, but nah for whatever reason they like trying to charge more for them

$70 games existed in the 90s (Street Fighter 2, VIrtua Racing, etc). It's amazing to me that games haven't really increased in price with 30+ years of inflation.

For reference, a Big Mac was about $2.

[G 81]

Anyone that's borrowing money to consume ARE IDIOTS, that's my opinion. If you're going to be borrowing money, it has to be for an investment, to buy assets, not useless junk that'll just trap you further into the system.

[Azza ☠]

It's not something I would use...

What's the difference between After Pay and a Credit Card anyways?

I don't even bother having a Credit Card, I personally hate owing money. No loans. No mortgage. However, if you do need one, get the mortgage and pay it off, then just keep that as the lowest interest rate (you can have a positive mortgage account with like $250,000 extra available on call).

[G 81]

And even then, you can just use leverage, leverage is far better than a loan, since if you're stupid, you'll just lose your money when you get liquidated, if you took a loan, your entire portfolio could be cleaned and then you're stuck with paying off that loan.

[WraithTargundaMajarie]

Diposting pertama kali oleh Wonderland:

https://www.youtube.com/watch?v=zFODezPtQDU

"We Need To Talk About “Buy Now Pay Later”"

Do we all really have to pay 6% to 10% more for everything, because the service exist? Are people really using it to buy stuff like a domino's pizza?

Why are you advertising on STEAM??

2ndly.)

You have the biggest morons on the face of the Planet
driving Economies into the shtter...


& once those Economies are drivin far deep enough??

i'm hoping that a War breaks out,
where those People are targeted,
& nobody, & I repeat nobody cares
when they stop existing...

But again, I don't care to take part,
I just wanna eat popcorn, & watch it...

I wanna sit here like George Carlin,
Or Lewis Black, & watch them disappear...

As these two Comedians put it...



PS: The ones who are supposedly supposed
to be hated against here...

The ones who are being targeted by
the so called Economy problem that
are gonna start wanting War??

Those People were supposed to be
disarmed, before this sooo called
War everyone is expecting to take off??

Yet, instead of being disarmed,
now the People who have no guns,
are actually coming to those People
for guns...

Soooo??

I don't really see how Joe Biden
is expecting to Win...

He's losing supporters at a staggering ammount,
& his supporters are actually buying guns from
the very People they are trying to get rid of??

I mean what is the whole strategy Biden has here??





I saw a Stadium for Joe Biden, Vote Blue,
but I don't get it... ~_~

I don't get it at all...

[90054321564584560]

A trap

[WaitandSee]

Never have, never will.

The only thing I would likely finance is a house.

[WraithTargundaMajarie]

Diposting pertama kali oleh 90054321564584565:

A trap

I mean I understand how this is all working...

I know where this is going... I understand it...

But I just can't see why anyone wants it at all... ~_~

Other then they are just stupid as sht...




If there is a Trap?? What is it??

Right now, People that are Enemies of Joe Biden's Supporters
actually are way more capable of handling themselves
then Joe Biden's Supporters are right now...

Above all??

They are actually Inventing the Technology
that is about to make Joe Biden's Military Obsolete... o_@


It's the funniest thing i've ever seen...

[TGC> The Games Collector]

Only expensive necessities should be bought with a loan if you can't pay em straight away.

[WraithTargundaMajarie]

First of all, I was joking...

I'm not one of those People, I have absolutely no idea what they are doing...

[ZZZZZ]

its great if u dont intend to pay at all

[G 81]

Diposting pertama kali oleh ZZZZZ:

its great if u dont intend to pay at all

The government owns all the guns, they'll come for you and take everything you own. That's even more stupid than taking the loans themselves.

[Bing Chilling]

i've have used the amazon 0% APR version a like twice to buy gifts during the holidays
as especially during christmas things get pretty expensive, but i haven't ever tried things like Affirm or ZIP (though ZIp is no longer doing business in canada) i don't really like the idea of having to worry about another payment every month. Rent,Bills,internet and my phone plan are well more then enough imo.

Also atleast in canada, the APR is upwards of 30% on alot of the more expensive items
i would even consider a monthly plan for with affirm. Unless i absolutely needed to i'd rather not, same thing with taking a loan out with a bank.