Ritz camera - "Bill me later"

Discussion in 'Photography Equipment & Products' started by plastii, Jan 10, 2008.

  1. plastii

    plastii TPF Noob!

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    Hi.

    Did any of you ever used this option? I'm thinking about buying a lens from them and they have a deal - "No Payments for 12 Months" but I'm sceptical about this. What you think?

    Thanks
    Marek.
     
  2. nicfargo

    nicfargo TPF Noob!

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    I've used Bill me Later for many things in the past. As long as you get it payed off in time you're fine. If you go over the alloted time you'll be charged back interest at something like 18% or so. I think Bill Me Later is great...no interest for whatever time can be a good thing.
     
  3. jstuedle

    jstuedle No longer a newbie, moving up!

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    I have used it through B&H and Calumet. Great option as long as your not late with payments.
     
  4. Sideburns

    Sideburns TPF Noob!

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    Depends.

    Are you good with credit?
    If you can't guarantee you'll make payments on time...you'll regret it later.
     
  5. jstuedle

    jstuedle No longer a newbie, moving up!

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    Very True. Credit has value, value your credit.
     
  6. Sw1tchFX

    Sw1tchFX TPF Noob!

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    sounds like a quick way to bust up credit to me, unless you know you can pay it off early, i wouldn't do it.
     
  7. plastii

    plastii TPF Noob!

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    I'm pretty good with making payments and I think I'll pay it off within few months. I'm going to go for it.

    Thanks for the advice guys:)
     
  8. JIP

    JIP No longer a newbie, moving up!

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    I agree with the others you just need to remember to pay it off before the no interest time is up because if not you will pay interest from day one and it is usually high.
     
  9. jwkwd

    jwkwd TPF Noob!

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    It is income tax time, if you are going to get something back, use that for the payment.
     
  10. sabbath999

    sabbath999 No longer a newbie, moving up!

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    I don't normally talk about this stuff here, but since you specifically asked I will reply/

    I have a different take than most people, so keep that in mind when you read this.

    I don't "use debt" on any consumer items... that includes everything from cameras to cars. IMHO if you can't pay for it, you can't afford it.
    I personally would only EVER consider borrowing money for a house, which is simply beyond the means of most everybody to pay cash for.

    I don't owe a cent to anybody and haven't for many years, and for me, it is the ONLY way to live. Since I have no payments of any kind (other than utilities), it is quite easy to save money quickly for purchases... and I never, ever have to worry about "being late" on a payment because there ARE no payments. I paid my house off years ago as well.

    Living this way means that I don't get the instant gratification of just being able to go out and impulse buy anything I want and pay for it over the next 12 or 24 months... but by concentrating on what I want, I can generally pay for it, with cash, within a month or two.

    This has the added advantage of giving me a "cooling off" period to decide what I really want.

    I bought 10K worth of camera gear in the last 12 months, 5K worth of cycling gear, and took two major vacations last year (including 2 weeks in Hawaii at a resort) on a combined salary that is right about the national average... AND put 30 percent of my take home into retirement funds by living this way... simply because I have no payments.

    I have a lot of friends who laugh at me for the way I live. They are broke, living paycheck to paycheck, making more than I do, but still they think I am an idiot for only paying for things upfront.

    Perhaps they are right, and being deeply in debt owing money on stuff that is already used up and worn out is a better idea than paying for it up front.

    Personally, I don't think so... but then again, I only am saying what works for me.
     
  11. eddiesimages

    eddiesimages TPF Noob!

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    Excellent advice. I wish I were disciplined enough to live like that. Once you get into debt it is very hard to become debt free. I think that most people realize that you are correct, but actually doing it is another thing.
     
  12. Sw1tchFX

    Sw1tchFX TPF Noob!

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    Exactly. That's how you have to do things to get the material things you want in life.

    I try to think of everything as an investment. When i eventually buy a house I'm hopefully going to sell it for about the same for what I buy it for. I buy the camera gear that will pay for itself with its usefulness, I don't spend $600/month renting an apartment, I spend $275 renting a room instead. I can pay my rent with a single paycheck! I'm the only person I know who can do that (besides the people I live with of course).

    Being a cheapskate is how to git-r-done!
     

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