But still, hmm; it was a lot of $$ for a very part time player.
And for awhile after, I was like arrrgh. But since I bought from
First off, the term “scam” should be taken with a grain of salt, hopefully one of many stuck to a margarita glass. Secondly, what HSBC Best Buy has going can definitely be termed a racket.
The Pitch: Open a Best Buy Credit Card and pay no interest 24 months!!
The typically skeptical Consumer thought process: Hmmm, free financing; what’s the catch? OK, so this is actually an HSBC bank credit card, sure… nothing else jumps out as odd in the immediate fine print.
This seems ideal for a large purchase like that washer and dryer we so desperately need. I’ll read the minimum payment from my first statement and put this baby on auto-pay. Score.
According to a HSBC representative, “a new law was passed in January and you received a notice in the mail about your minimum payment.” To date, I have yet to find said notice. I did however, find the exact same claim from a blog post in The HSBC Monitor, “there was a new law that passed in January that requires them to charge a higher percentage of the balance” which, interestingly enough was posted in 2006.
Eventually, the representative passed me to a “manager” and the late-fees were waived. All was ok, I was alright even though I had spent hours on the phone talking to human script reading machines. I Had Won. So, I figure OK – boost the auto-pay amount to $30, well above that old minimum and I’ll be good. Then *two* months go by.
Minimum payment: $46. Auto pay shy of $16. Late fee bitch +$35.
Conundrum: call HSBC, waste hour(s) pitching how wrong they are to charge this fee. Or, pay it, stfu and take it.
Moral of the story: Signing up for a free financing offer means to mentally prepare to add that to your monthly checklist. Do not rely on auto pay to “beat the system”. Pay close attention to each and every message sent from the company providing that “free” credit. They Will Try To Screw You out of some money.
8GB RAM in my trusty thinkpad X200 laptop has been a desire / occasional-need for quite some time. As a point of perspective, since the 8GB DDR3 “kit” (2 chips by 4GB each) cost well over $300. When I finally bit the bullet, patience on a potential deal expired, the kit had been hovering around $110 shipped for a few weeks.
On the upside, the brand I bought is the same price and arguably of superior quality to the slickdeal PNY brand.
Those clever engineers at Microsoft… what better way to deal with the frustration of having a locked up application than through art? I remember creating angry-art pieces back when frozen Windows applications, such as IE6 were common place. Good times.
Thanks to mr doob for re-creating the experience in a controlled environment.
Remember the Six P’s:
Piss Poor Planning Prevents Proper Performance.
When I first laid eyes on Frank, he was head down, on his hands and knees in the muddy grass. An adorable hound dog puppy bounded around him. He appeared to be looking for something. Thinking nothing of it, I prepared to jog past but as I approached, he called out to me.
Frank had slipped on the mud when the pup pulled him in an unforeseen direction. He’d fallen and was unable to get up.
Frank and his wife Julie have lived just on the outskirts of Casa Grande High (CGH) for over 40 years. He, his son and his grandson graduated from CGH and his grand daughter is on her way. When he finds out where I went to high school, he asks pointedly, “then what are you doing here?”
I don’t take offense because I understand well the historical rivalry between Petaluma High and Casa Grande. I grew up on the West side, and now I live on the East. One town, two high schools, no doubt a Classic American story. How could I betray my district?! Rather easily in fact, I never gave a shit.
I simply state that I like it here, as I grab hold of Frank’s arms to help him get up. I maintain a somewhat reserved distance as he is a stranger. I lift, hard, only to find he really can’t help and to no avail as he goes back down. He says he weighs 220, oh, no, 210 now, and he’s too heavy for me to lift up. We negotiate that maybe, if he could make it to the fence, he could use it as a hand hold while I lift him. Frank then says, that he has leukemia, “…it’s a blood disease. My fuckin’ arms are dead, there’s no strength left.”