Valve reveals official payment plan for vive ($66/mo) , prices for the tracker + new strap ($99) - Polidicks

[QUOTE=chernisreal?;51884890]Find used pickup truck that gets 27mpg hway?[/QUOTE][url]http://www.kijiji.ca/v-cars-trucks/regina/2014-ram-1500-slt-ecodiesel/1240941962?enableSearchNavigationFlag=true[/url] Here ya go, first search in Google.

[QUOTE=TicTac;51885073][url]http://www.kijiji.ca/v-cars-trucks/regina/2014-ram-1500-slt-ecodiesel/1240941962?enableSearchNavigationFlag=true[/url] Here ya go, first search in Google.[/QUOTE] That's a pretty shit used truck. It's got so many kilometres on it but it's only 3 years old??

[QUOTE=chernisreal?;51882864]Payment plans are for people who live above their means. If you do not have $750 in your bank account you cannot afford a vive.[/QUOTE] Maybe I have over 750 dollars in my account but don't want to drop that much cash at once. No harm in monthly payments with zero interest.

[QUOTE=Bradyns;51883206]Just squirrel away money; who knows, by the time you can buy one there might be a better model released.[/QUOTE] Yeah, this is my concern. Pretty sure Gabe Newell hinted that we'll have a new model in 2018, and since we don't know anything about upgrade options or how they'd handle that, I'm not sure I want to start paying for one now only to have to immediately pay for another one. (Though I'm certain they'll have at least some kind of upgrade option, but I don't wanna take the risk.) If it weren't for that, I'd hop on this in a heartbeat but I'd rather wait and see what the Vive 2.0 brings.

[QUOTE=TicTac;51885073][url]http://www.kijiji.ca/v-cars-trucks/regina/2014-ram-1500-slt-ecodiesel/1240941962?enableSearchNavigationFlag=true[/url] Here ya go, first search in Google.[/QUOTE] Yeah.. also that was about the same price as my truck brand new.. we have alot of tax up here. I was trading in a vehicle as well, so I would've not gained a trade in tax deduction buying used..

[QUOTE=Adius Shadow;51883038]Or you could just have a bit of restraint and wait for them to inevitably dip in price. The amount of people dropping $$$$ on a vive + new PC just to play all those tech demos is pretty sad.[/QUOTE] While i'm not saying people shouldnt wait, there are a number of games with vr support (headset wise) that are pretty good. Warthunder might be a bit of a grind fest but damn if planes in vr isn't fucking awesome.

[QUOTE=TheMrFailz;51886494]While i'm not saying people shouldnt wait, there are a number of games with vr support (headset wise) that are pretty good. Warthunder might be a bit of a grind fest but damn if planes in vr isn't fucking awesome.[/QUOTE] Warthunder has VR support? since when? Elite Dangerous also has VR support in head tracking as well.

For a house and/or a car I can understand the desire to go for a payment plan. But for anything else? Fuck that. If I can't afford it straight up I'm not buying it. I use a rule that I learned while playing EVE, "If you can't afford two, you can't afford one", because you never know if some asshole is gonna show and blow it up. Works well in real life too. :v:

[QUOTE=chernisreal?;51882864]Payment plans are for people who live above their means. If you do not have $750 in your bank account you cannot afford a vive.[/QUOTE] Loans are for people who live above their means. If you don't have $30,000 in your bank account you cannot afford a car, if you don't have $150,000+ in your bank account you cannot afford a house. You're not allowed to own nice things even if you can easily afford the monthly payment cost and just don't happen to have the lump sum available immediately. [editline]28th February 2017[/editline] [QUOTE=Downsider;51883078]PM me if you want to buy my Vive, I'll sell it to an FP'er for $450 plus shipping. I'm so charitable! It's a Vive Pre, so the head strap is different, but the hardware is identical and Valve supports them as normal.[/QUOTE] Do you offer a payment plan? :v:

Oh this is great. Hopefully this will grow the VR user base and lead to better/bigger games since there will be more people to buy and play them.

[QUOTE=Snoberry Tea;51886839]Loans are for people who live above their means. If you don't have $30,000 in your bank account you cannot afford a car, if you don't have $150,000+ in your bank account you cannot afford a house. You're not allowed to own nice things even if you can easily afford the monthly payment cost and just don't happen to have the lump sum available immediately. [/QUOTE] Not specifically going after you, but a lot of people have posted the same thing. Obviously that was not about big/necessary purchases like a home/car etc... And I completely agree with the point. You don't have to drop the whole thing at once, but even a 0% payment plan is dangerous if you don't have the money to cover the whole cost right now. Especially for something as trivial as a Vive. If you have the X$ sitting there, sure go for the payment plan to spread the cost, to make your budgeting easier or for shits and gigs. If you don't have it know that you are taking a risk.

I've been into pet shops that offer dog financing.. sometimes things get a little bit out of control when you have a payment plan for a Vive or a... dog.

[QUOTE=chernisreal?;51887070]I've been into pet shops that offer dog financing.. sometimes things get a little bit out of control when you have a payment plan for a Vive or a... dog.[/QUOTE] I don't know, I've walked past a pet shop and had the overwhelming urge to adopt [I]all[/I] the puppies, because feels. [IMG]http://www.ilrdb.com/wp-content/uploads/2015/03/shelter_pups_website2-440x218.png[/IMG] Obviously, such things are fiscally irresponsible and would require a payment plan, but damn fiscal responsibility, because puppies.

The smartest thing to do would be to put the total cost aside in a debit card, take out the payment plan, and just have all the payments come out of the card with the total amount. That way you can forget about it, never touch it, but know that you have enough to cover it.

[QUOTE=loopoo;51887302]The smartest thing to do would be to put the total cost aside in a debit card, take out the payment plan, and just have all the payments come out of the card with the total amount. That way you can forget about it, never touch it, but know that you have enough to cover it.[/QUOTE] If you have the cash on hand, and are putting it aside in a debit card, then just pay it in full. You're not gaining anything from making payments with a debit card.

[QUOTE=Revenge282;51887407]If you have the cash on hand, and are putting it aside in a debit card, then just pay it in full. You're not gaining anything from making payments with a debit card.[/QUOTE] Would rate dumb if I could. You're not gaining anything from making payments with a debit card on a payment plan, other than - ya know - credit history, evidence that you can commit to monthly payments and make them in a timely fashion, show that you're smart with your finances and don't miss payments. Paying outright on a debit would do jack shit of that, which means you're basically shooting yourself in the foot, cause you're screwing yourself out of the potential benefit of building credit score (which is hella important in today's society!). Putting the total cost aside and taking on the payment plan would mean you have 0 risk of screwing things up and missing a payment. Which means you'd pay the thing off in full after 12 months, and have 12 month's worth of payments to add to your score. All the while sleeping easily at night knowing you don't need to worry about months where money is tight.

I could buy a Vive right now if I wanted to, but I'd have no disposable income for a while. A no interest (for 12 months) payment plan means I could still get the Vive, and still have disposable income, while paying (roughly) the same price. This isn't a bad thing provided you can afford the Vive already. Otherwise it's kind of dumb because now you're adding an additional thing you have to pay every month. It also does help you build a credit history, which [B]is[/B] important. Paying $799 up front is just saying "Hey look at me, I don't need assistance for shit!" essentially.

[QUOTE=loopoo;51887302]The smartest thing to do would be to put the total cost aside in a debit card, take out the payment plan, and just have all the payments come out of the card with the total amount. That way you can forget about it, never touch it, but know that you have enough to cover it.[/QUOTE] Side-question, no bearing on your actual point because you can change debit to credit and it would all be accurate: Do debit cards improve your credit score in the UK?

[QUOTE=Fetret;51887638]Side-question, no bearing on your actual point because you can change debit to credit and it would all be accurate: Do debit cards improve your credit score in the UK?[/QUOTE] Nope. Not at all. I learned that the hard way when I didn't open up a credit card when I had the chance (the university I was with had ties with the local bank and gave us offers to get student credit cards). I went 4 years having all my monthly utilities etc. coming out, thinking I was building hella good score. Only thing that slightly works is if you're on a contract with, say, an internet company and they set you up for direct debits every month. I remember my payment history showed up on that and whether I was late or missed any payments. But my phone contract and utilities weren't on my credit report for some reason. I used Experian.co.uk (that credit score company) and I had the shittest of the shit score, despite never having been in debt and always paying things on time. I called em up and they said debit cards don't have adequate access for agencies to see credit history. Opened up a credit card a month after that and managed to increase my score more in that first month alone than I ever had in the 4 years previous, cause it lets them see more accurately your spending habits and how well you pay off. Started on a 500 pound limit, got increased to 2400 6 months later.

[QUOTE=loopoo;51887414]Would rate dumb if I could. You're not gaining anything from making payments with a debit card on a payment plan, other than - ya know - credit history, evidence that you can commit to monthly payments and make them in a timely fashion, show that you're smart with your finances and don't miss payments. Paying outright on a debit would do jack shit of that, which means you're basically shooting yourself in the foot, cause you're screwing yourself out of the potential benefit of building credit score (which is hella important in today's society!). Putting the total cost aside and taking on the payment plan would mean you have 0 risk of screwing things up and missing a payment. Which means you'd pay the thing off in full after 12 months, and have 12 month's worth of payments to add to your score. All the while sleeping easily at night knowing you don't need to worry about months where money is tight.[/QUOTE] [QUOTE=Fetret;51887638]Side-question, no bearing on your actual point because you can change debit to credit and it would all be accurate: Do debit cards improve your credit score in the UK?[/QUOTE] This is my concern. I don't think (and I could be wrong) that the Vive payment plan in itself is a form of credit. So by putting it on debit, you're not gaining anything, you're basically paying cash. However, to put it on a credit card, that is a whole different story, and will benefit you. I know nothing of how credit works except the bare basics. I've been lucky enough to get through college and all other 23 years of my life being able to pay cash for everything I have needed.

Payment plans target poor people that are bad with money but they aren't solely used by them. If you have the money sitting in your bank account then you might as well finance it because, hell, that's a good chunk of change that's still sitting in your account that you can use if there's an emergency and you're totally fucked. Plus, it's gaining interest and you can invest it elsewhere.

[QUOTE=phygon;51888550]Payment plans target poor people that are bad with money but they aren't solely used by them. If you have the money sitting in your bank account then you might as well finance it because, hell, that's a good chunk of change that's still sitting in your account that you can use if there's an emergency and you're totally fucked. Plus, it's gaining interest and you can invest it elsewhere.[/QUOTE] This is a slippery slope though. Dipping into funds that you've set aside purely for something else, even in an emergency, is bad financial planning. I'd rather ask parents for help than risk fucking myself up further down the line when I can't make a monthly payment.

[QUOTE=Big Dumb American;51884064]With zero interest, there's really no compelling reason [I]not[/I] to finance it, if it better suits your financial situation. Personally speaking, I try to maximize my cashflow, so I would choose to purchase it outright before financing it, but a zero interest payment plan has no major drawbacks.[/QUOTE] Actually, if the interest rate is zero, then there's a very compelling reason [i]to[/i] finance it thanks to inflation.

[QUOTE=Headhumpy;51890877]Actually, if the interest rate is zero, then there's a very compelling reason [i]to[/i] finance it thanks to inflation.[/QUOTE] ...you're saying the exact same thing he is.

[QUOTE=loopoo;51890866]This is a slippery slope though. Dipping into funds that you've set aside purely for something else, even in an emergency, is bad financial planning. I'd rather ask parents for help than risk fucking myself up further down the line when I can't make a monthly payment.[/QUOTE] It's no a slippery slope if you aren't bad with money. Having money available to pull out in case of an emergency is better than not having money available to pull out in case of an emergency. Failing to make a payment on a vive that you would have bought anyway is way better than failing to pay your rent. What if you're in a situation where your parents can't help you? If buying a vive would drain your bank account then you certainly shouldn't be buying one, but the principle is the same. This is why even businesses take out loans. You borrow money to do something with and you still have the money you would have bought it with in the mean time as a cushion / to invest in other prospects.

[QUOTE=Strontboer;51882890]Tell that to people living on wellfare, yet having the newest iPhone/Galaxy all the time[/QUOTE] Yeah things work out great for those guys, right?

-snip-

[QUOTE=geel9;51890986]...you're saying the exact same thing he is.[/QUOTE] It sounds pretty similar, but it's not the same! I'm saying that zero-interest financing means there's effectively no difference between the lump sump and financing in terms of cost to you, and thus that neither option is objectively better. He's saying that you [I]should[/I] finance, instead of the lump sum, because inflation makes each subsequent month's payment marginally less expensive than the previous month's. It might be a flat sixty six bucks, but that actual value of that money decreases over time, meaning at the end of the day you will be paying slightly less in terms of actual cash value. I don't fully disagree with that assumption though! In the longer term, it's very likely that he would be correct. Inflation is one of the major challenges facing people today who are saving for retirement plans. Your average drink at Starbucks today will cost in the ballpark of $30 by the time you reach retirement age, if the trends hold out. But, within the span of a year, it's a slightly more risky assumption. A minor economic downturn, or the quick increase of value of the dollar do to international events could make that assumption backfire, a little bit. Either way, however, the actual change in value within the course of a year is likely to be less than a few cents per dollar, so I'm basically sticking with my original statement: [I]it doesn't matter what you choose -- do whatever best suits your financial ability.[/I] Sorry to get all persnickety though lol

[QUOTE=chernisreal?;51882864]Payment plans are for people who live above their means. If you do not have $750 in your bank account you cannot afford a vive.[/QUOTE] Man what was I thinking buying a house, I definitely don't have $180,000 in the bank.

[QUOTE=Big Dumb American;51893352]It sounds pretty similar, but it's not the same! I'm saying that zero-interest financing means there's effectively no difference between the lump sump and financing in terms of cost to you, and thus that neither option is objectively better. He's saying that you [I]should[/I] finance, instead of the lump sum, because inflation makes each subsequent month's payment marginally less expensive than the previous month's. It might be a flat sixty six bucks, but that actual value of that money decreases over time, meaning at the end of the day you will be paying slightly less in terms of actual cash value. I don't fully disagree with that assumption though! In the longer term, it's very likely that he would be correct. Inflation is one of the major challenges facing people today who are saving for retirement plans. Your average drink at Starbucks today will cost in the ballpark of $30 by the time you reach retirement age, if the trends hold out. But, within the span of a year, it's a slightly more risky assumption. A minor economic downturn, or the quick increase of value of the dollar do to international events could make that assumption backfire, a little bit. Either way, however, the actual change in value within the course of a year is likely to be less than a few cents per dollar, so I'm basically sticking with my original statement: [I]it doesn't matter what you choose -- do whatever best suits your financial ability.[/I] Sorry to get all persnickety though lol[/QUOTE] I feel like when you say something like "there's no compelling reason [i]not[/i] to [do something]" that's a pretty tacit endorsement of [doing something].