Installment or full

• 0lala

  1 Sep 06, 22:46

  Have anyone bought electronics gadgets on loans before?
  
  I'm planning to sell my uncle my current vaio and get a cheaper one..
  I got enuff for full payment but i'm considering mnthly installment so as to keep the remaining $ for wise savings
  
  what are the drawbacks and requirement?
• ditzy

  1 Sep 06, 22:57

  At the end of your installment, you realise you pay more, then you will feel very bo hua, and very beh song.
• missqi

  1 Sep 06, 22:59

  how wise can u be with ur money?
  
  of cus pay in full more hua right.
  u put in bank,interest rates also so low.
  and u r far too young to use it and buy shares.
  so pay in full lah.
  aiyo.
  
• 0lala

  1 Sep 06, 23:02

  but then if i keep the $,i can use it for other things at the moment rite?
• ditzy

  1 Sep 06, 23:03

  Originally posted by 0lala:

  but then if i keep the $,i can use it for other things at the moment rite?

  You see now? That's why you have failed to sell your father's shares.
• troublemaker2005

  1 Sep 06, 23:05

  Originally posted by 0lala:

  Have anyone bought electronics gadgets on loans before?
  
  I'm planning to sell my uncle my current vaio and get a cheaper one..
  I got enuff for full payment but i'm considering mnthly installment so as to keep the remaining $ for wise savings
  
  what are the drawbacks and requirement?

  if laptop cost - $2k
  if weekly instalment is $14, the shop earn $1.20 from you every week over a period of 3 years (52x3 weeks).
  possible answer - if you can generate more money with $2k over the three years at the rate of > $1.20 per week for a minimum period of 3 years, then go instalment.
  possible answer - if you cannot do the above with $2k and immediately have $2k to spare and is willing to part wif it pay for the hardware in full.
  
  otherwise the need for the laptop do not seem urgent or great drop the whole idea and just use it as it is.
• 0lala

  1 Sep 06, 23:05

  Originally posted by ditzy:

  You see now? That's why you have failed to sell your father's shares.

  si lang ditzy ar...
• 0lala

  1 Sep 06, 23:15

  Originally posted by troublemaker2005:

  if laptop cost - $2k
  if weekly instalment is $14, the shop earn $1.20 from you every week over a period of 3 years (52x3 weeks).
  possible answer - if you can generate more money with $2k over the three years at the rate of > $1.20 per week for a minimum period of 3 years, then go instalment.
  possible answer - if you cannot do the above with $2k and immediately have $2k to spare and is willing to part wif it pay for the hardware in full.
  
  otherwise the need for the laptop do not seem urgent or great drop the whole idea and just use it as it is.

  but the thing is i bought the laptop at 5699 then and now am thinking of selling to my uncle at ~4k+
  
  the new one,cheaper one cost 4k+
  
  which wuld mean that if i buy it with that prices offered to my uncle,i got 0$ back...-_-
• ditzy

  1 Sep 06, 23:16

  Originally posted by 0lala:

  but the thing is i bought the laptop at 5699 then and now am thinking of selling to my uncle at ~4k+
  
  the new one,cheaper one cost 4k+
  
  which wuld mean that if i buy it with that prices offered to my uncle,i got 0$ back...-_-

  That is correct.
• 0lala

  1 Sep 06, 23:22

  then if installment leh?
  
  requirement and finance wise how?
• casshern

  2 Sep 06, 01:56

  best advice, dun buy any computer or laptops that allow u to log on to sgforums.com
• striderz_o405

  2 Sep 06, 02:09

  Originally posted by casshern:

  best advice, dun buy any computer or laptops that allow u to log on to sgforums.com

  i agree
• troublemaker2005

  2 Sep 06, 11:57

  volmit blood...simple calculation and personal financing also CMI