Is It Ok To Finance Your PC - Yes Or No?

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Информация о Is It Ok To Finance Your PC - Yes Or No?

Название	:	Is It Ok To Finance Your PC - Yes Or No?
Продолжительность	:	10.55
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I have used affirm many times and I have the money to buy right outbrIt's more convenient and honestly you put auto pay it takes care of itself I used it twice one for a 3090 and for a 3080 both paid off 3080 3months 3090 6months if you're dedicated you'll be good
Comment from : Tommy Pearson

broke people should be using their time to make money , not playing video games
Comment from : Juan Shaft Patel

Back in 1995-1996, my cousin and his wife had a state-of-the-art Compaq Presario computer I think it was a Pentium 150 Mhz Nevertheless, it was awesome and blew away anything I had or seen at the time I would visit their apartment, and we would use AOL a lot and play various games It was a lot of fun brOne day later, however, that computer was no longer there I asked them what happened to it His wife told me that they got rid of it since they "needed the money" brIt made me wonder how they acquired the thing
Comment from : C-Rob

But you can make money being a streamer so yeah it is making you money
Comment from : sapphire morris

I use credit cards when buying everything in the fashion of heaping the rewards, however I always pay it off when it's due (AKA within the month's billing cycle)
Comment from : Nano

Thank you I was about to take the jump and do it but I realized I need the money for more important things
Comment from : EthanMakes3D

thank you for making me relize im stupid for wanting to finace a card even if i have the money, i remember you saying if u cant buy it twice you cant afford it
Comment from : SSG Pizza Lover

Sub 5, absolutely Time value of money That being said it can encourage purchases beyond your means And if done multiple times you can end up with lots of payments for items you could never afford
Comment from : Aight

Thank you for the cold hard truth
Comment from : William Ayala

I just wanna say thank you for mentioning this I can't believe I was about to finance a pre built I'll just do it the old fashion way
Comment from : HumbleGuyGaming

wtf, nooooo
Comment from : Golf Pilot

just do it so what if you pay 200 in interest on a 1500 dollar gpu if you want it and cant afford all of it now just pay the 150 a month so you can get 240 fps at 1440p in warzone its worth it look at it this way you are building your credit score while you're gaming win win
Comment from : Justin Keene

Just mine on it It will make your money back
Comment from : Larry Whitt

Pappa Deals has spoken 👏 💯
Comment from : William Breeze

I had to use my credit card to buy a ZOTAC GAMING GeForce RTX 3070 Ti AMP Extreme Holo for mining I did an rough calculation and the ROI would take roughly 10 or 11 months I am getting a sales bonus next year so i will pay it off next year But if business wasnt going great i wouldnt do it
Comment from : clynesos

Very big difference between being able to buy something and being able to afford it brbrA lot of people are able to buy a Lexus, but not many can afford it months down the road Or when it requires maintenance
Comment from : Frank Dimaggio

NGL kinda sucks to hear this while on disability and unable to get "Real work" I already have a Twitch Channel ready to turn affiliate at the click of a button, but my old PC Exploded a few months ago, now I cannot stream in a usable way looks like my live stream hope's just died
Comment from : Carl McLean

I did it, I have it, got 3080 ❤️
Comment from : David Chacon

F'ck it YOLO, go an finance a 3090
Comment from : Turc1h

I'd argue a car (within reason) is a requirement to work and be functional in many parts of the country A 10k car loan is not a big deal
Comment from : GhostNappa

These brutal financial advices always makes my day
Comment from : Sourabh Goswami

I think it comes down to want vs need If you need a solution for work/school, financing can be a good option However, If you want a good computer for gaming/entertainment purposes Not a good idea to use credit/finance
Comment from : Wahid Khandoker

This is good advise but remember you need to live and enjoy life as well
Comment from : Alex

No
Comment from : D V

Whenever a service is being offered, a good rule is to always look for their incentive It's easy to figure out yours, but what is theirs
Comment from : D Cabral

Don't do it! Buy a computer when you can afford it Save your money, and once you saved enough to get that PC, it will be more powerful than anything you are salivating over, and can't afford to buy today
Comment from : D Cabral

Well said! I paid cash for my last (13th) GFX card for mining last month Making 60 USD a day, that card will pay for itself in less than a month No credit
Comment from : Alex GottmitUns

I kind of disagree If you finance your computer it's easier to dispute the purchase without tying up your physical capital Nothing wrong with shielding yoruself with a buffer of credit, not necessarily a huge one
Comment from : Logan Gardner

ABSOLUTE excellent advice Love your channel
Comment from : Rob Estey

You gotta do what you gotta do William 😏Pull the trigger
Comment from : Mike Moore

Good advice! Uh you forgot to mention "I am not a financial advisor, and this is not financial advice" :)
Comment from : K Kai Hsieh

It also makes sense to buy with no interest if you can afford to buy it today You put the money to savings account and pay from it
Comment from : privettoli

Yet you show credit support on your videos lol 😆 😂 🤔 🤣 😅 👀
Comment from : Listening am I really

Ok I absolutely love this I’m a broke college student and I am just starting out with credit The gamer in me is absolutely dying to get a pc but this video really called me out in the best way possible The statement “if you need credit to buy it, you probably can’t afford it” is SO TRUE! Thank you for this 😭
Comment from : Larissa

you buy something thats obsolete the moment u buy it brbuying it on credit or rates , u always pay interest on something thats relly not worth it anymore brso i would say no !
Comment from : Henning

I didn't have a problem with getting a loan , already paid it off early, I put a partial payment upfront the rest was a loan, made every payment on time most times early, some people can't do that or can't budget but I'm happy with my gaming pc
Comment from : Cody

You assume hes just going to play games perhaps its a work station
Comment from : Operator X

Pay yourself first
Comment from : DraughanTV

Or even worse I heard people taking the hundreds/thousands of dollars that they have invested in stocks in profitable companies to buy GPUs or full gaming PCs NEVER trade an asset for a liability, that's dumb, just don't!
Comment from : MadBlazer89

This is actually funny because if you try to get a custom pc from nzxt and a few others custom builders, they’ll practically make it impossible to buy outside of affirm An im speaking from personal experience here You can have more than enough money to pay for the pc, but they’ll decline it anyways Debit card, Amazon and Apple Pay etc an when you ask they basically refer you to use affirm It’s a very questionable business model for the reasons you itemized
Comment from : chidorigokuamvs

Unfortunately this is so true
Comment from : Mat 3d

There are very few things I think are a good idea to go into debt for buying a house, buying a reasonable car and getting an educationbrbrEDIT renting tires, holy crap! Never heard of such a thing
Comment from : The Game Bench

04:00 - Be very careful in the whole 0 thing I have seen countless billing companies "accidentally" credit payments after the billing cycle, thus nullifying the 0 So even if you "Can" pay them off instantly, don't count on your payment being credited on time, especially if you're within a few days of the cutoff date A lot of companies outsource the billing and do not backdate payments based upon the received date And yeah Cyberpunk is well worth the cost of a 3080
Comment from : 07wrxtr1

it's the interest
Comment from : Flootyy

Financing a car versus financing consumer electronics are totally different conversations (even though both usually rapidly depreciate) Of course financing consumer electronics is a terrible idea and always has been, but a vehicle has a much higher cost of entry while being a requirement for day to day life, it makes sense in that circumstance
Comment from : Defiant031636

The funny part is people getting stimulus payments that's why their financing
Comment from : Tommy Pearson

My problem is I just built a new rig not to long ago Intel trying to hook me lolooolollololol
Comment from : Tommy Pearson

I bought the 3080 before the price hike but it still took me like 2 months to finally get a card from best buy my same card that I paid 950$ is going for 1200$ msrp Sorry guys and gals and they's
Comment from : Darknessofman

It's gotta be bad and sad out there if a business can rent vehicle tires and remain in business
Comment from : Wyntyr _

I would say that it makes sense for students to finance their computer purchases if the current one is slow for their studies, provided they have a fixed income that can handle the payments and their other needs But I'm in a country with far better social security and student subsidies than the US
Comment from : Jouni Osmala

Or just win the lottery 5Head
Comment from : Nicholas A

This is excellent financial advice Basically, get your fundamentals down by:brbrHaving a job that has a solid and reliable source of incomebrEstablish a retirement plan that takes advantage of your employer's 401K matchingbrIf your employer has a stock purchase program, sign up for itbrDetermine what your monthly expenses are, and make sure you have a budget to handle thosebrOpen a savings account and add extra funds to it so that you have ready cash available for unexpected expenses and emergenciesbrOnce all that's done, open a brokerage account and start investing money in stocks, bonds, crypto, etcbrIf possible, buy a house or condo or whatever so you can move away from rentingbrbrIf your financial foundation isn't solid, you shouldn't be spending lots of money on flashy things like expensive GPUs or gaming PCs, or fancy cars, or high dollar brand name clothes, or whatever
Comment from : Void’s Disciple

Brutally honestbut its truei love how u guys explain life lessons like thisnot just techbut pure in heartneeds over wantsto make it simplemore power to your channels🔥🔥😍😍
Comment from : YTBarubangGamer _

A good approach would be look at what the monthly payment would be Put that much into a savings account over the amount of time you would pay You would gain a little interest, pay in full, and if something happens you can reroute the money to that issue, and if it's a more costly event, you have a small emergency fund built up
Comment from : Adam Steele

Buying a house is not really building wealth With the house value going up, so does all the other houses unless you decide to sell up and live in a caravan or move to the bush It's a huge misconception that housing builds you wealth unless you own multiple properties By the time you pay off the house, you're pretty much dead lol
Comment from : Shadowdance

i'm financing through affirm, and i dont really regret it, very low interest*
Comment from : okokayy

I guess if you get a chance to buy a GPU, do it! Otherwise, save the money and get a better PC later for less money because you saved the interest
Comment from : Winters

Great advice! I just wished I heard it 5 or 10 years ago :)
Comment from : Ionel Roza

Here's an idea:brbr1) Save up the moneybr2) Buy with a rewards card, during a 0 financing windowbr3) Pay it offbr4) Cash in the rewards for a steak dinnerbrbrNow you have a new computer AND a steak dinner!
Comment from : ElladanKenet