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OT-What are you buying right now?
Comments
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Restaurant supply houses sell them. They’re prep tables. Not that cheap either1911Man said:Where did you get the table?? I'm trying to get something for my medium BGE without spending too much $$. I don't have the tools to make a table from wood. -
Take full advantage of the 0% interest financing over 5 years - you don’t win by paying it off early. Put the extra money that you would have paid toward the balance early into an account that will earn a yield of ~5%.1911Man said:Just paid for a new mattress. Old one (just over 10 years old) started killing my back late last week. Made it to the store I like after dinner (they close at 9pm), picked out the one and was out the door in not even ten minutes. It will be delivered on Friday. Which is good since that means I only need to use the old one twice more before it goes to mattress hell/heaven/whatevah. Free delivery and 5 years 0% finance.
I'll have it paid off a LOT faster than that. Just under a grand all said and done.DFW - 1 LGBE & Happy to Adopt More... -
I've seen them for not bad $$ on Amazon... As in sub $160 for a 5' wide version. I have metal cutting tools (grinders and plasma cutter) so I should be able to cut the top with the right size hole, and then just have the shelf at the right height to support it. Just need to decide if I want wheels or not.ColbyLang said:Restaurant supply houses sell them. They’re prep tables. Not that cheap eitherLarge BGE with CGS Woo Ring, stone with stainless pan, Smokeware chimney cap, Kick Ash basket and Kick Ash can.Living free in the 603 (Pelham). -
https://www.webstaurantstore.com/1911Man said:Where did you get the table?? I'm trying to get something for my medium BGE without spending too much $$. I don't have the tools to make a table from wood.
Rockwall, Tx LBGE, Minimax, 22" Blackstone, Pizza Party Bollore. Cast Iron Hoarder.
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The advice is to take a full 5 years to pay off a $1,000 mattress?!South of Columbus, Ohio.
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Yes. Look up time value of money.DFW - 1 LGBE & Happy to Adopt More...
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If someone is willing to give you a interest-free loan (effectively), you can use that money in smart waysDFW - 1 LGBE & Happy to Adopt More...
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Consider the value of your time dealing with stuff like this to 'make' a few quid.NorthPilot06 said:Yes. Look up time value of money. -
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LBGE,SBGE, and a Mini makes three......Sweet home Alabama........ Stay thirsty my friends .
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@DuckDogDr...You really are throwing everything at the dating game !!!!Greensboro North Carolina
When in doubt Accelerate.... -
Not sure I follow this entirelyEoin said:Consider the value of your time dealing with stuff like this to 'make' a few quid.DFW - 1 LGBE & Happy to Adopt More... -
@NorthPilot06 would you go to a bank and borrow $1,000 at zero interest, then turn around and invest it?South of Columbus, Ohio.
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He probably could have negotiated a 5% discount with cash maybe 10! Mattress stores are hurting with the new online competitionSouth of Columbus, Ohio.
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No... Just the terms applied to the purchase due to having the store card. I purchased a leather couch and chair in June with it (about $2k) that is 12 months 0%. I'll tack enough onto that payment to keep the mattress aspect happy. Then pay that down as I want. Most likely before the end of next year. So another 5-6 months after the couch and chair is paid off.alaskanassasin said:The advice is to take a full 5 years to pay off a $1,000 mattress?!
I'll go back when I know if I'm moving into a new house (next year) and get some additional items for that (new bed frame/platform, desk and maybe something else) for the new place. Will see what the terms are for that. Then pay off as I decide (early or on time).Large BGE with CGS Woo Ring, stone with stainless pan, Smokeware chimney cap, Kick Ash basket and Kick Ash can.Living free in the 603 (Pelham). -
Yes, most definitely. The bank just won’t give you 1,000 at 0% interest, that’s why this is a unique opportunity.alaskanassasin said:@NorthPilot06 would you go to a bank and borrow $1,000 at zero interest, then turn around and invest it?DFW - 1 LGBE & Happy to Adopt More... -
Who the heck is getting five percent in an account?
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Look, I was just trying to offer some free advice from someone who makes a living in finance. I don’t mean to distract from the intent of this thread though, so anyone that would like to talk can PM me.DFW - 1 LGBE & Happy to Adopt More...
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Guys, the historical rate of return on the S&P 500 is ~8%. https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.aspDoubleEgger said:Who the heck is getting five percent in an account?With a diverse portfolio, you’d expect your rate of return to be measurably less.DFW - 1 LGBE & Happy to Adopt More... -
And you’re right, an all cash offer - if discounted by 5%, 10% over the financed amount wins every timealaskanassasin said:He probably could have negotiated a 5% discount with cash maybe 10! Mattress stores are hurting with the new online competitionDFW - 1 LGBE & Happy to Adopt More... -
Ok. It’s only a grand. I didn’t realize we were talking about deferring payment on a mattress to invest in the market. With that logic, that “historical” average can burn you on a short term purchase. The SP flames out and now you paid 20% more for that mattress...NorthPilot06 said:Guys, the historical rate of return on the S&P 500 is ~8%. https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.aspWith a diverse portfolio, you’d expect your rate of return to be measurably less.
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Ok I really need to stop engaging. It’s not day trading, it’s a 5 year loan at 0% interest. Yes, there’s a slim chance that we go into a multi-year recession and you come out upside down. And no, I wouldn’t suggest doing what I’m saying if you’re spending your last dollar on the mattress (which I’m assuming he isn’t).It’s basic fundamentals guys. You’re picking a corner case. And yeah, it’s a grand, so who cares. But the same rules apply when you’re talking about 10 grand or 100 grand or more.You invest and save your money as you see fit, or keep it in a safe under your bed in gold and silver. No difference to me, just trying to educate.DFW - 1 LGBE & Happy to Adopt More...
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Thanks for the education. It’ll supplement my degree in Economics.
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OPM (Other People's Money) working for you in the main is a good thing. Of course you are hedging on the slope of the growth curve but again over time you will win. My simple approach and I am likely too old to GAF these days but if I am missing the mark here please enlighten me even now. FWIW-
Louisville; Rolling smoke in the neighbourhood. Life is too short for light/lite beer! Seems I'm livin in a transitional period. CHEETO (aka Agent Orange) makes Nixon look like a saint. -
I think it’s time for a gif
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Anybody know where I can buy a $1,000 wagyu rib roast?
Rockwall, Tx LBGE, Minimax, 22" Blackstone, Pizza Party Bollore. Cast Iron Hoarder.
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TEXASBGE2018 said:Anybody know where I can buy a $1,000 wagyu rib roast?They're everywhere these days.The difficult part is deciding between the 3X points or the 0% interest 5 year loan.For some, their is the additional problem of trying to get their money back a few years after they ate it cuz it didn't meet expectations.“Reality is that which, when you stop believing in it, doesn't go away.” ― Philip K. Diçk
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