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

[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] Why would inflation maintain a stable rate

Is this even being done yet

oh shit, this is sick. I make enough to afford a vive, but putting 800 bucks down all at once has been something that hasn't sat right with me. VR coming soon to a living room near me

Man, I'm glad I don't have to care about "credit score" as long as I don't get reported for not paying things. I just got a Vive on 0 interest financing from a store, their calculator fucked up and actually put the total cost at -0,20 €. I'll probably pay it back in whole in a month or two.

[QUOTE=SEKCobra;51904804]Man, I'm glad I don't have to care about "credit score" as long as I don't get reported for not paying things. I just got a Vive on 0 interest financing from a store, their calculator fucked up and actually put the total cost at -0,20 €. I'll probably pay it back in whole in a month or two.[/QUOTE] Surely they asked you to fill out some kind of form that makes you put down your job, salary, years of employment, no? I find it hard to believe you can just walk into a store and get a 0 interest finance plan without the store at least knowing what your financial history is like...

[QUOTE=loopoo;51904849]Surely they asked you to fill out some kind of form that makes you put down your job, salary, years of employment, no? I find it hard to believe you can just walk into a store and get a 0 interest finance plan without the store at least knowing what your financial history is like...[/QUOTE] Yeah sure, it's a bank loan and they wanted some personal details and ran me through a debt database. Obviously you can't get any money lent without that. But after this is done I won't have +5 credit points and suddenly be able to loan 5 million more readily than I could before.

I take it you are employed? Cause I can guarantee if you were a student, you'd probably get rejected from taking it out on a payment plan / loan without evidence of income. You probably think you don't have to care about credit score, but chances are you've got a decent credit score because of your job + lack of late payments + credit history. That's why they accepted you. Walk into the same shop, try and get the same thing on credit, but this time say you're full-time student, no job, then you'll appreciate the fact that your credit score is being good to you.

There is no such thing as a credit score here. There's companies that record when you pay late and you can just have that expunged under privacy laws too. Sure they'll consider income, giving loans to people who declare their income as 0 € would be asinine, regardless of any credit score.