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#11
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Is that all?
Thats enough on any one card of mine thanks. "Alan Browne" wrote in message ... Joseph Kewfi wrote: That's what credit cards are for.....Buy it, and pay it off gradually, with a fixed number of dollars every month...... Wow, and there I was thinking credit cards were an invention by banking institutions to make profit by hooking people into dept encouraging more and more credit. My bank spams my every other month offering to up my monthly credit limit, apparently 4000 Euro a month is not enough for me in their eyes. Is that all? ALWAYS accept a limit increase ___IF___ you always keep your cards paid off. It is an important component to a strong credit rating. On one of my cards, the limit automatically increases every year by a couple k. -- -- rec.photo.equipment.35mm user resource: -- http://www.aliasimages.com/rpe35mmur.htm -- e-meil: there's no such thing as a FreeLunch.-- |
#12
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"Joseph Kewfi" wrote in message ... If you pay only once a month,you might get two payments in the same billing period, and thereby miss a period, and the interest rate will go to the maximum, which can be as high as 20% a year.... The APR on my Allied Irish Visa card is 26.5%. America must be a very cheap country to live in, I probably wipe my arse with more expensive toilet paper than the US dollar. The best way to evaluate the cost of anything is to calculate the number of hours you have to work in order to accumulate the money to buy it.....This eliminates the hassle of figuring money values caused by conversion to other currencies, or by inflation over the years. When I was making $500 a month, the price of a gallon of gasoline was about $.25. That means I had to work about 5 minutes to buy a gallon of gas.Today, I am making 10 times that, and the price of gasoline is around $2.00, which means that I only work about 4 minutes in order to buy a gallon. And, my cars get better mileage than they did then, so I am slightly better off......There is nothing wrong with the value of the dollar, It has been a reasonable and convenient currency to carry and use all of my life, and, my government has never had to recall/replace it with different dollars that had different values during my lifetime. In some other countries, the money has had to be turned in and replaced by other money of vastly different value many times over the same number of years...... |
#13
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"Joseph Kewfi" wrote in message ... If you pay only once a month,you might get two payments in the same billing period, and thereby miss a period, and the interest rate will go to the maximum, which can be as high as 20% a year.... The APR on my Allied Irish Visa card is 26.5%. America must be a very cheap country to live in, I probably wipe my arse with more expensive toilet paper than the US dollar. The best way to evaluate the cost of anything is to calculate the number of hours you have to work in order to accumulate the money to buy it.....This eliminates the hassle of figuring money values caused by conversion to other currencies, or by inflation over the years. When I was making $500 a month, the price of a gallon of gasoline was about $.25. That means I had to work about 5 minutes to buy a gallon of gas.Today, I am making 10 times that, and the price of gasoline is around $2.00, which means that I only work about 4 minutes in order to buy a gallon. And, my cars get better mileage than they did then, so I am slightly better off......There is nothing wrong with the value of the dollar, It has been a reasonable and convenient currency to carry and use all of my life, and, my government has never had to recall/replace it with different dollars that had different values during my lifetime. In some other countries, the money has had to be turned in and replaced by other money of vastly different value many times over the same number of years...... |
#14
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Dallas wrote: Nuts. That's what I am. I've been offered this lens at a really good price (about twice what I paid for my new 18-70mm DX) and buying it would really be stretching the finances just before the silly season, but I know that if I don't get it now, the opportunity to get it at this price won't be back in a very long time. What do you do? The 17-35 f/2.8 is one of my three most used lenses. I use it for at least 25% of my shooting, with the 28-70 f/2.8 adding in 50% and the 70-200 VR contributing another 20%. The last 5% come from the 12-24, 105 macro, and the 80-400 VR. But remember, these numbers are all multiplied by a factor of 1.5 because I put them on a digital body. I'd be lost without the 17-35. The 12-24 just doesn't measure up to the quality of the images the the 17-35 can capture. Steve Kramer "PhotoEnvisions" Freelance Photography Chiang Mai, Thailand http://www.photoenvisions.com -- "The voyage of discovery lies not in seeking new horizons, but in seeing with new eyes." - Marcel Proust |
#15
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Joseph Kewfi wrote:
If you pay only once a month,you might get two payments in the same billing period, and thereby miss a period, and the interest rate will go to the maximum, which can be as high as 20% a year.... The APR on my Allied Irish Visa card is 26.5%. America must be a very cheap country to live in, I probably wipe my arse with more expensive toilet paper than the US dollar. I have not paid a cent in interest on a credit card in well over 15 years. I don't "charge" what I can't clear when the bill comes in. So my limit continues to grow, which looks great to the bank and creditors whether or not I use it. Rates here are about 18% .... but who cares as the card is always clear. Cheers, Alan -- -- rec.photo.equipment.35mm user resource: -- http://www.aliasimages.com/rpe35mmur.htm -- e-meil: there's no such thing as a FreeLunch.-- |
#16
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Joseph Kewfi wrote:
Is that all? Thats enough on any one card of mine thanks. Talk to a financial advisor about your credit _rating_. If 4,000 is enough, then 30,000 always paid off each month makes you look even better. This does not have to make sense it is just the way the credit weenies work. One day when you will need a float, your credit rating has a big impact on how much you can get and more importantly on the risk the bank perceives. Better rating equals better ability to negotiate small loans or a mortgage. When I got divorced and was temporarilly renting a house, paying for the original house, bought a new car, glass, travelled, etc. I didn't even dent my borrowing capability. Now I'm at par again (except for the mortgage). None of the above were on my credit card for more than a month, of course. |
#17
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Twice the price of your 18-70 DX ??
GRAB IT !!! This lens is at least 3x the 18-70 DX price even used ! =bob= "Dallas" wrote in message news Nuts. That's what I am. I've been offered this lens at a really good price (about twice what I paid for my new 18-70mm DX) and buying it would really be stretching the finances just before the silly season, but I know that if I don't get it now, the opportunity to get it at this price won't be back in a very long time. |
#18
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On Tue, 28 Sep 2004 20:52:40 +0000, William Graham had this to say:
"Dallas" wrote in message news Nuts. That's what I am. I've been offered this lens at a really good price (about twice what I paid for my new 18-70mm DX) and buying it would really be stretching the finances just before the silly season, but I know that if I don't get it now, the opportunity to get it at this price won't be back in a very long time. What do you do? That's what credit cards are for.....Buy it, and pay it off gradually, with a fixed number of dollars every month...... I don't do credit anymore at all. Besides, this is a private deal, so that wouldn't work. I have the money, it's just that I need a new lawnmower and I also need a holiday! If I spend the cash on this lens I would have to do without those. But if don't get the lens, I will spend many nights wishing I had gotten it when I had the chance (the owner is selling it for about half of the local retail price - he's desperate for the cash). -- DD™ "And that's all I got to say about that" ~ FG |
#19
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On Tue, 28 Sep 2004 20:52:40 +0000, William Graham had this to say:
"Dallas" wrote in message news Nuts. That's what I am. I've been offered this lens at a really good price (about twice what I paid for my new 18-70mm DX) and buying it would really be stretching the finances just before the silly season, but I know that if I don't get it now, the opportunity to get it at this price won't be back in a very long time. What do you do? That's what credit cards are for.....Buy it, and pay it off gradually, with a fixed number of dollars every month...... I don't do credit anymore at all. Besides, this is a private deal, so that wouldn't work. I have the money, it's just that I need a new lawnmower and I also need a holiday! If I spend the cash on this lens I would have to do without those. But if don't get the lens, I will spend many nights wishing I had gotten it when I had the chance (the owner is selling it for about half of the local retail price - he's desperate for the cash). -- DD™ "And that's all I got to say about that" ~ FG |
#20
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"Dallas" wrote in message newsan.2004.09.29.15.15.15.100000@realphoto... On Tue, 28 Sep 2004 20:52:40 +0000, William Graham had this to say: "Dallas" wrote in message news Nuts. That's what I am. I've been offered this lens at a really good price (about twice what I paid for my new 18-70mm DX) and buying it would really be stretching the finances just before the silly season, but I know that if I don't get it now, the opportunity to get it at this price won't be back in a very long time. What do you do? That's what credit cards are for.....Buy it, and pay it off gradually, with a fixed number of dollars every month...... I don't do credit anymore at all. Besides, this is a private deal, so that wouldn't work. I have the money, it's just that I need a new lawnmower and I also need a holiday! If I spend the cash on this lens I would have to do without those. But if don't get the lens, I will spend many nights wishing I had gotten it when I had the chance (the owner is selling it for about half of the local retail price - he's desperate for the cash). Well, this is a very familiar dilemma.....Unless you are Bill Gates, or someone of his ilk, you will spend your life trying to decide how to spend the limited amount of money you have.....I know I have had to do that. The lawnmower is too small and cheap an item to worry about. It's cost represents only a small fraction of the cost of that beautiful wide angle Nikkor zoom. As for the holiday.....Well, the question is whether you will get more enjoyment out of the lens than the holiday. They are both, after all, luxuries that you could do without. Once the holiday is over, you are left with nothing but the memories. But the lens will be there for a long time.......On the other hand, if you are not the only one enjoying the holiday, then there are others to consider....... |
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