So tempting...

[DaniKoesterich]

Sweetwater.com is offering NO payments and NO interest until 2007 on all purchases made with their Sweetwater card - and I have one!

There are so many things I want to buy, and I wouldn't have to worry about paying for a year! I have to be strong... Man, I hate getting out-marketed...

[Analogkid]

Sweetwater.com is offering NO payments and NO interest until 2007 on all purchases made with their Sweetwater card - and I have one!

There are so many things I want to buy, and I wouldn't have to worry about paying for a year! I have to be strong... Man, I hate getting out-marketed...

Great deal Dan!

Please pick me up a Moog Voyager and try and get it here before I'd really like to give it to my wife for Christmas!!!

Thanks

Brent

[ktriton]

Yeah, goddamnit. I'm having the same problem...

And I REALLY want East West's Symphonic Orchestra, Silver Edition. Do you know if this offer ends after Xmas?

[gusjdt]

And I REALLY want East West's Symphonic Orchestra, Silver Edition. Do you know if this offer ends after Xmas?


* No Payment/Deferred Interest Advertising Disclosure
Applies to purchases made between 11/22/05 through 12/25/05 on a GECAF consumer credit card account. Under the promotion, no monthly payments are required on the promotional purchase and no finance charges will be assessed on the promo purchase as long as: (1) you pay the promo purchase amount in full by January 2007 (the "promo period") and (2) you pay, when due, the minimum monthly payments on any other balances on your account. If you fail to satisfy either condition, all special promo terms will be terminated and finance charges will be assessed on the promo purchase amount from the date of the purchase. Payments are not required on your promo purchase during the promo period. Optional credit insurance/dept cancellation charges on your promo purchase are not deferred and are not subject to the promotional terms. Standard account terms apply to non-promotional purchases. Variable APR is 22.98% as of 08/17/05. Fixed APR of 26.99% applies if the minimum payment is not made within one month of the payment due date. Minimum finance charge is $1.50. Existing cardholders should see their credit card agreement for standard terms. Offer is subject to credit approval by GE Money Bank.

Maybe that will answer your question, hehe. :D

[ktriton]

Haha, thanks.

[rlainhart]

Dani: please pick me up one of these:

http://www.sweetwater.com/store/detail/KSP8/

and these:

http://www.sweetwater.com/store/detail/RSP8/

and I'll pay you back before January 2007. Promise.

Anybody else?

[DaniKoesterich]

Haha. When did I become the designated buyer?

[Rudess]

Do they sell 9 foot Steinway pianos there?
Get one of those while you are at it.

JR

[RayMan]

Let's see... If could just pick up a couple of small things for me too...:wink:
I would like a Kurzweil K2600R to keep my Triton Extreme with company, and a
Steinway piano would be great for me too. Thanks:biggrin:

[Awake]

I really don't get the appeal of these "buy now pay nothing until the end of time" deals. You still have to pay for it, right? It just seems to be part of a culture that divorces gratification from cost, something I don't think is particularly healthy.

[Athox]

I agree. Stuff like this is gonna flush (mainly the american :biggrin: ) society down the toilet.
If it's not already halfway in there.

But I guess the more stupid people die from bankrupting themselves (that's a long, twisted, indirect connection) the better off we normal people are. Hopefully someone agrees. I wouldn't wanna be the only person left on earth. :tongue:

[ktriton]

I love stuff like this because I don't have to save up to buy something big. I can buy it and then pay it off incrementally and on my own budget.

[Athox]

You don't have to save up to buy something big... meaning you buy stuff you theoretically can't afford.

Why not just take a loan in a bank where they have proper contracts?

[Rudess]

You guys are just plain "party poopers!!"
We were having fun. It's something we do here from time to time.
JR

[ktriton]

Did I write "budget"? I meant to write Dani, get me this (http://sweetwater.com/store/detail/EWQLSOPlatPUp/), please.

:D

[Athox]

You guys are just plain "party poopers!!"
We were having fun. It's something we do here from time to time.
JR

Fun? What's that? :confused:

I'm not used to americans using irony, so forgive my desire to save lost economical souls. Or something. ^_^

[Airspeed]

Get me one of these, please....
http://instruct1.cit.cornell.edu/courses/eceprojectsland/STUDENTPROJ/2002to2003/lil2/

[Enc3f4L0]

Here, Dani... lets not forget X-Mas happens down here in Brazil also...

http://sweetwater.com/feature/korg/

Or maybe Jordan can give me one of his... I know he has at least a couple. Hell, even James is playing on it, why can't I have one myself?

How 'bout that Jordan, I gave you a 7/8 birthday song and you give me the Oasys James been foolin around with for x-mas...? (btw, I was right in front of you in the São Paulo show with my girlfriend, you probably saw us, she was the only girl up front (blonde)) :)

[DaniKoesterich]

It's a known phenomenon that everyone thinks they WILL be rich(er) in the future. Also, it's a known fact that a lot of people really are.... not smart :-)

Debt is one of the best markets to be in (i.e. credit card companies is one of the
biggest industries). Why else would companies buy up other company's debt for
like $0.50 on the dollar?

So thats why these offers do well. Though, I must say - these can be REALLY
great deals. I bought a pair of DynAudio BM5A monitors from Sweetwater
a while back when they had a no interest for 2 years offer. They were $1,000
and I paid $41 a month for them for 24 months. I had the money available to
buy them straight up, but this was so much cooler.

[Awake]

You guys are just plain "party poopers!!"
We were having fun. It's something we do here from time to time.
JRYou've looked at the same consumer debt figures and budget deficits we all have. They're not painting a fun picture, and part of the reason for those troubling numbers is the culture of "buy now, pay later."

Don't get me wrong, credit cards have their uses. When one of our cats was at death's door this fall, we were damned glad that we had a hefty credit limit, and could thus afford the four days in Purdue Animal Hospital 's ICU - which sure as anything isn't cheap - without worrying about whether we could afford it. But there's a difference between using credit to get you out of a pinch and building up long-term structural debts, the latter being what is being encouraged by the whole "buy now pay later" thing, which as mentioned before, is helping divorce gratification from payment. It helps build a culture of debt, and contributes to the very sense of entitlement which encourages people to steal music in the form of downloading ("I can't afford the new Jordan Rudess / Dream Theater / insert-artist-name-here album, but I need to hear some new tunes, so I'll download it now and buy it when I have the money").

Lest anyone think I'm a complete party pooper, I have the Winter '06 Sweetwater Catalog on my desk right now, and I'm salivating at some of the stuff in there -- c'mon, a USB Condensor mic? (p.260) I gotta get me one of those! -- but I know I can't afford it now, I think I'll be able to afford it in six months, so I'll wait six months and see if I'm right, rather than buy now and hope that in six months I'll be right.

[Athox]

I'm buying you a beer.

[DaniKoesterich]

There are a few things I like about having a credit card.

1. Don't have to carry around cash / coins, nor do I have to receive change when buying at a store.

2. One bill of everything I've bought all month, at the end of the month (great for keeping records), and it just takes a few clicks to pay it.

3. Excellent rewards, like free airline miles. I flew to CA last August first class round trip, for free!

4. Great way to build a good credit history

Sure, it's very easy to lose track and buy tons of things you can't afford, but with every privledge comes responsibility.

[Awake]

Dani,
I don't disagree with any of that, and I don't object so much to credit cards (although I do think they encourage people to get in way over their heads by setting absurdly high credit limits). Rather, it's the "buy now, pay nothing for a year" places that rub me the wrong way. There's a furniture store here in town offering buy now, pay nothing until 2008!. That's crazy! It doesn't even so much as merely lend itself to abuse, it encourages it.

[maJ estY]

Let's see... If could just pick up a couple of small things for me too...:wink:
I would like a Korg 2600R to keep my Triton Extreme with company, and a
Steinway piano would be great for me too. Thanks:biggrin:

Never heard of a Korg K2600R before! Can you tell me more about it? ;)

[ChrisMcCoy]

Dani,
I don't disagree with any of that, and I don't object so much to credit cards (although I do think they encourage people to get in way over their heads by setting absurdly high credit limits). Rather, it's the "buy now, pay nothing for a year" places that rub me the wrong way. There's a furniture store here in town offering buy now, pay nothing until 2008!. That's crazy! It doesn't even so much as merely lend itself to abuse, it encourages it.

I agree with you Awake.
Be careful with those credit cards.
When I was 22 I had a Gold Card with a 10,000.00 limit.
I used it to package and distribute a CD that I ended up losing my investment on.
At the time I had a job that paid 8 dollars an hour.
It took me 10 years to pay off the debt. Now I don't have any revolving credit at all.
For what you spend on interest, you could invest in a short term stock or growth fund and make interest on your own money rather than losing your money to a credit card company's revolving interest rates.
There's a website called Motley Fool that explains how to do all this investing.
Check out http://www.fool.com
If you can pay with cash, you'll be better for it.

[Awake]

If you can pay with cash, you'll be better for it.Or at least, if you do use a credit card - for the perfectly valid reasons offered by Dani above - use it only as a medium of payment, i.e., except in an emergency (sick cat, for example, or ER visit) don't exceed the amount that you can pay off.

Freedom and personal responsibility are two sides of the same coin. I got into credit card debt when I left college, and it took me three years to clear all the money from the card, because it's so easy to spend money on plastic. It takes a bit of self-restraint (which, sadly, I lacked at the time) and some organization.

[TheMagician]

1. Don't have to carry around cash / coins, nor do I have to receive change when buying at a store.

If only the rest of the world could catch up with New Zealand and EFTPOS - cash is soooo yesterday ;)

Basically everything is paid for by plastic in NZ and not just credit cards but predominately bank cards. Even if you just want a can of coke, you can (and do) just pay with plastic. Funny how its been like this in NZ for years - always strikes me as weird when I go overseas and have to carry cash again!

Do Sweetwaters deliver to the middle of nowhere? :)

[Awake]

If only the rest of the world could catch up with New Zealand and EFTPOS - cash is soooo yesterday ;) Basically everything is paid for by plastic in NZ and not just credit cards but predominately bank cards. Even if you just want a can of coke, you can (and do) just pay with plastic. Funny how its been like this in NZ for years - always strikes me as weird when I go overseas and have to carry cash again!England is more or less the same way - mostly every transaction is plastic at this point, using credit or debit cards. Indeed, I would love to use debit cards, but here (in Indiana, at least) banks charge an annual fee to have a debit card, for reasons best known to themselves. Also, cheques are far more prominent here than I seem to remember them being in the UK.

[RayMan]

Never heard of a Korg K2600R before! Can you tell me more about it? ;)
Haha:biggrin: "Jet lag!" You know, its a very interesting new product.... Shit, who
am I kidding..:tongue: No, of course I meant the Kurzweil K2600R:smile:
People do strange things when in lack of sleep:wink:

[Athox]

I would love to use debit cards, but here (in Indiana, at least) banks charge an annual fee to have a debit card, for reasons best known to themselves.

They do of course charge a fee, because otherwise there is no way they would make money from you using a debit card. ;)

[Awake]

They do of course charge a fee, because otherwise there is no way they would make money from you using a debit card. ;)Well, UK banks seem to have figured it out. ;)