"My recommendation? Find one of those "No interest for 18 (or more) months" deals, and take advantage of that. "
Just make sure you pay it off in full *BEFORE* the 18 months -- most of those "deals" have fine print that says, "If you don't pay it off in the 18 months, we will charge interest retroactive to the day you bought it." That means if your TV cost $1000 and you pay off $999.99 of it, leaving a penny on the bill, you'll be socked with interest for the ENTIRE 18 months, so be careful!
"The key, of course, is the discipline to pay it off before the end of the term, especially if the APR is more than 20%. (My "deferred" interest just for the first month was more than $30! OUCH!!!) But taking proper advantage of "no interest until..." offers is a great way to get new hardware."
“An engineer explained to us that hundreds of ear impressions were gathered in the name of research, and while each one obviously boasted its own unique shape and size, one single characteristic remained uniform across the board: the entrance into the ear canal is not a perfect circle, it's an oval.”
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"My recommendation? Find one of those "No interest for 18 (or more) months" deals, and take advantage of that. "
Just make sure you pay it off in full *BEFORE* the 18 months -- most of those "deals" have fine print that says, "If you don't pay it off in the 18 months, we will charge interest retroactive to the day you bought it." That means if your TV cost $1000 and you pay off $999.99 of it, leaving a penny on the bill, you'll be socked with interest for the ENTIRE 18 months, so be careful!
Xyzzy, you completely missed where I said ...
"The key, of course, is the discipline to pay it off before the end of the term, especially if the APR is more than 20%. (My "deferred" interest just for the first month was more than $30! OUCH!!!) But taking proper advantage of "no interest until..." offers is a great way to get new hardware."
;)