Buying basses with credit [poll]

[Black_In_Mind]

I've done it on credit cards and store financing but I don't make a habit of using it and it gets paid off as quick as possible.

I'm more inclined to use something like Paypal pay in 4 if I had to buy something I can't 100% pay for in that moment because there is actually an incentive to limit the usage of such methods because you really feel the consequences of letting it snowball. Also those payment methods tend to have a cutoff point so eventually you have to be responsible and plan for big purchases.

 

[Katoosie]

What are some good resources to learn more about finances?

 

[Jeremy Crockett]

What are some good resources to learn more about finances?

Find yourself some "Dave Ramsey" podcasts.

A lot of people do not like his stance on credit as he is downright anti-credit. Although Dave has apparently "softened" in his old age as he now thinks that 15-year fixed home loans are doable.

 

[factory presets]

I use "cash" when I refer to buying a car or other large item with a personal check or cashier's check. It's basically the same thing as currency. I'm not a drug dealer, I'm not going to carry $20,000 in bills to a car dealer. I suppose there are occasionally people who pay for a car with actual currency, but it's got to be vanishingly rare. I would expect a lot of dealerships would refuse it due to security risks and reporting requirements.

I bought a second hand car once and met up with the wife at the dealership to share the ride home. Paid with cashier's check. Not too far above the cash reporting threshold. Maybe it was the couple sitting in the office thing, but the salesman was trying conversation gambits like "I bet this is the most expensive thing you've ever bought."
"Yeah that's why it's a cash sale."

Then again, he did keep referring to the LPG only status as "Dessicated gas."

 

[turf3]

The person who buys a car with cash, probably HAS bought more expensive things, like, say, a house.

 

[MuseChaser]

When I was a freshman in college and gigging my way through school, I used my second semester student loan to buy a Polymoog synth....and then used the synth to continue earning money to pay my way through school. That was back in '78-'79. Every other instrument has been paid in full immediately, or on a card for the perks with the balance ALWAYS paid in full.

 

[factory presets]

The person who buys a car with cash, probably HAS bought more expensive things, like, say, a house.

I would've thought so. I guess sales people are taught all manner of things to say to clinch a deal. And we should've been complimented he thought we were younger than him. But mistaking dessicated for dedicated 2 or 3 times, and in ones chosen field, undermines all that a bit. Not like we were there to buy a coconut.

 

[motoman]

O k, this will get you guys talking about 2 years ago. Here in Canada Chase Bank pulled out of Canada. Their credit cards. So if you had a Chase Bank credit card out of the blue. You got a letter saying that you are no longer. Responsible for any purchases that were on the card and Chase Bank Just cut their losses. I wish I would have known. This was gonna happen. I would've gotta Chase card and bought my dream bass. But it was in the news and then it was too late

 

[BlueTalon]

But mistaking dessicated for dedicated 2 or 3 times

That made me laugh.

 

[Richard Lindsey]

But mistaking dessicated for dedicated 2 or 3 times

I'm sure correcting spelling is somebody's TB pet peeve, and I almost never do it, but since we're all being peevish, the word is actually "desiccated," not "dessicated." I guess corrections that themselves contain an error are one of my pet peeves.

All in good fun, though! None of this stuff is anything to get all worked up about.

 

[turf3]

I would've thought so. I guess sales people are taught all manner of things to say to clinch a deal. And we should've been complimented he thought we were younger than him. But mistaking dessicated for dedicated 2 or 3 times, and in ones chosen field, undermines all that a bit. Not like we were there to buy a coconut.

Boy, when they start reciting their script, that's the very fastest way to get me to say "look here, do you want to take my money and sell me the [X], or not?" If there's one thing I hate (and there are many) it's the regurgitation of the canned sales routine. Look, bucky, I'm 60 years old, I've got the money to buy the [whatever], I've heard it all and three times over and more. Just SELL ME THE GODDAMNED THING, or I'm leaving!

My favorite story on this was what a buddy of mine did. Stuck with the annoying car salesman (it's kind of lousy, how the less expensive makes with good products keep hiring these cheesy salesmen) - so he gets the "What would it take for you to drive out of here today in this new {whatever}? To which he answered:

"See that old truck out there? The Datsun, with the rust all over and the three different colored fenders, and the busted-out side window with plastic sheet duct-taped over it?"

"Yeah..."

"Well that's my car I came in with. Give me an even trade, my old truck for your new car. That's what it'll take for me to drive out today with your new car."

"But that's not reasonable!"

"Of course it's not reasonable! But you asked me what it'd take, and that's what it'd take."

 

[factory presets]

I'm sure correcting spelling is somebody's TB pet peeve, and I almost never do it, but since we're all being peevish, the word is actually "desiccated," not "dessicated." I guess corrections that themselves contain an error are one of my pet peeves.

All in good fun, though! None of this stuff is anything to get all worked up about.

Non taken. I get kinda lazy with all the autocorrect in the world these days. Kind of refreshing to be pulled up on spelling instead of having my meaning completely subverted.
Possibly the first time I've ever written the word. Expect I'll be trying to work it into the conversation for the next little while, now.