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R8RFAN
03-13-2011, 10:24 PM
My fault, Sanyo junk owned maybe a year on power strip
52 INCH LCD Black screen No sound ,Green power light blinks on and off, checked another tv, other tv worked fin on DTV box....

Theres about 1000 bucks thrown in the trash....

Could somebody recommend a nice tv.... 52-55 inch that will last more than a year?

Buck
03-13-2011, 10:25 PM
What is your budget?

R8RFAN
03-13-2011, 10:26 PM
What is your budget?

I got money, just tired of throwing it away.... Fire away, would like to not spend a mint on a TV though

mikeyis4dcats.
03-13-2011, 10:30 PM
Sears has a nice Panny 54" plasma for under a grand....

R8RFAN
03-13-2011, 10:31 PM
Sears has a nice Panny 54" plasma for under a grand....

hmmm lemme go look thanks

Buck
03-13-2011, 10:31 PM
Personally I would go with a Samsung because they have a quality product that you can expect to last for 10 years.

I think a lot of people here like Sony too.

CrazyPhuD
03-13-2011, 10:31 PM
You know if you had bought it on your AMEX you could have gotten a free extra year on it's warrenty!

https://www212.americanexpress.com/dsmlive/dsm/dom/us/en/feefreeservices/pages/buyersassurance_allccsg_shareddetails.do?vgnextoid=7c3215ab025ed010VgnVCM10000084b3ad94RCRD&vgnextchannel=3c830da9846dd010VgnVCM10000084b3ad94RCRD&name=buyersassurance_allccsg_shareddetails&type=intbenefitdetail

:D

(ok you know I had to!)

threebag02
03-13-2011, 10:32 PM
I have loved my sharp aquos for four years now. But if I had a bitch it would be the volume but I am hooked up to yamaha surround.

CoMoChief
03-13-2011, 10:33 PM
Plasma...Costco....go shop

Pablo
03-13-2011, 10:35 PM
Samsung.

You won't regret it.

BIG_DADDY
03-13-2011, 10:37 PM
Probably upset about having having to show the Autumn Wind.

JD10367
03-13-2011, 10:37 PM
My fault, Sanyo junk owned maybe a year on power strip
52 INCH LCD Black screen No sound ,Green power light blinks on and off, checked another tv, other tv worked fin on DTV box....

Theres about 1000 bucks thrown in the trash....

Could somebody recommend a nice tv.... 52-55 inch that will last more than a year?

Probably just the power supply/converter, you can get that fixed.

DaneMcCloud
03-13-2011, 10:38 PM
My fault, Sanyo junk owned maybe a year on power strip
52 INCH LCD Black screen No sound ,Green power light blinks on and off, checked another tv, other tv worked fin on DTV box....

Theres about 1000 bucks thrown in the trash....



Nice move, genius.

Have you sent Dave Ramsey an email yet telling him to fuck himself?

bowener
03-13-2011, 10:39 PM
Deal at Best Buy
Samsung LN55C630 55" 1080p 120 Hz LCD HDTV $1000 + Free store pick-up (http://slickdeals.net/permadeal/48359/best-buy-samsung-ln55c630-55-1080p-120-hz-lcd-hdtv)

R8RFAN
03-13-2011, 10:40 PM
Probably just the power supply/converter, you can get that fixed.

if it's gonna cost 500 bucks I will just get a new one.....

R8RFAN
03-13-2011, 10:41 PM
Nice move, genius.

Have you sent Dave Ramsey an email yet telling him to **** himself?

Haven't you got a porn video to shoot or something?

R8RFAN
03-13-2011, 10:42 PM
Deal at Best Buy
Samsung LN55C630 55" 1080p 120 Hz LCD HDTV $1000 + Free store pick-up (http://slickdeals.net/permadeal/48359/best-buy-samsung-ln55c630-55-1080p-120-hz-lcd-hdtv)

thats a good price

DaneMcCloud
03-13-2011, 10:43 PM
Haven't you got a porn video to shoot or something?

Yeah and your wife, daughter and mother are waiting.

I'd better hop to it.

R8RFAN
03-13-2011, 10:44 PM
Yeah and your wife, daughter and mother are waiting.

I'd better hop to it.

Once a scumbag , always a scumbag...

JD10367
03-13-2011, 10:46 PM
if it's gonna cost 500 bucks I will just get a new one.....

Probably wouldn't cost that much, but maybe a couple of hundred, I dunno, depends on who you can find to do it.

If I bought a TV larger than 32", I would consider the extended warranty if the store offers it, for just this reason. (My parents bought a giant LG, 50" or 60", at Brandsmart. They bought the extended warranty. I told them they wasted their money. Until less than a year later, the converter fried. Someone came out, took it apart, ordered a converter, came back in a week, put it in, TV works fine again.)

DaneMcCloud
03-13-2011, 10:47 PM
Once a scumbag , always a scumbag...

Is that what your were told the day you were released from prison?

R8RFAN
03-13-2011, 10:50 PM
Probably wouldn't cost that much, but maybe a couple of hundred, I dunno, depends on who you can find to do it.

If I bought a TV larger than 32", I would consider the extended warranty if the store offers it, for just this reason. (My parents bought a giant LG, 50" or 60", at Brandsmart. They bought the extended warranty. I told them they wasted their money. Until less than a year later, the converter fried. Someone came out, took it apart, ordered a converter, came back in a week, put it in, TV works fine again.)

I will call around tomorrow and see... thanks

'Hamas' Jenkins
03-13-2011, 10:52 PM
I'd buy the Samsung C650 rather than the C630, as it has the capability to play Netflix directly through the TV if you have it connected to the internet.

R8RFAN
03-13-2011, 10:53 PM
I'd buy the Samsung C650 rather than the C630, as it has the capability to play Netflix directly through the TV if you have it connected to the internet.

sweet..... we like Netflix here

'Hamas' Jenkins
03-13-2011, 10:53 PM
Probably wouldn't cost that much, but maybe a couple of hundred, I dunno, depends on who you can find to do it.

If I bought a TV larger than 32", I would consider the extended warranty if the store offers it, for just this reason. (My parents bought a giant LG, 50" or 60", at Brandsmart. They bought the extended warranty. I told them they wasted their money. Until less than a year later, the converter fried. Someone came out, took it apart, ordered a converter, came back in a week, put it in, TV works fine again.)

Do not ever do this.

Extended warranties are one of the only ways that stores make up gross margin. It's not your job to needlessly give them money.

Would you buy insurance if you were playing blackjack at $1000 a hand?

R8RFAN
03-13-2011, 10:55 PM
Do not ever do this.

Extended warranties are one of the only ways that stores make up gross margin. It's not your job to needlessly give them money.

Would you buy insurance if you were playing blackjack at $1000 a hand?

I know, I was not going to start an argument though :thumb:

Valiant
03-13-2011, 10:56 PM
Samsung, Visio or Sony.. But honestly if it is a year or under it is under warranty.. If over a year you could probably still get it worked on for free with an email to their corporate office..

R8RFAN
03-13-2011, 10:57 PM
Samsung, Visio or Sony.. But honestly if it is a year or under it is under warranty.. If over a year you could probably still get it worked on for free with an email to their corporate office..

I think I bought this TV in May of last year.... from what I have been reading, Sanyo customer service sucks

Frazod
03-13-2011, 10:59 PM
Funny that would shit out on you in such a short amount of time. I (knocking on serious wood here) have had really good luck with HDTVs, including the Protron 32" that we bought back in 2004.

Of course, the 42" we bought a few months ago is a Sanyo. Now I'm a bit nervous.

chopper
03-13-2011, 11:02 PM
http://reviews.cnet.com/flat-panel-tvs/vizio-xvt473sv/4505-6482_7-34122870.html?tag=moreWinners;more2

This is in the neighborhood of a grand, and won CNET editor's choice award. A couple months ago it was on sale at dell.com for about $1,099. This is what I was going to replace my TV with, and I was about 5 seconds from pulling the trigger on it, but thought I'd wait until my 4 year old 50" Samsung DLP goes belly up for good. It seems like a good value for the money, however, I don't know what's out there now, and 47" is the largest available.

Just Passin' By
03-13-2011, 11:03 PM
I think I bought this TV in May of last year.... from what I have been reading, Sanyo customer service sucks

Well, given what's currently happening in Japan, Customer service may not be as sharp as usual, whatever usual happens to be.

'Hamas' Jenkins
03-13-2011, 11:06 PM
Well, given what's currently happening in Japan, Customer service may not be as sharp as usual, whatever usual happens to be.

Panasonic bought a controlling share of Sanyo a while back, and I think they are going to whack the brand in the next year or so.

kysirsoze
03-13-2011, 11:06 PM
Funny that would shit out on you in such a short amount of time. I (knocking on serious wood here) have had really good luck with HDTVs, including the Protron 32" that we bought back in 2004.

Of course, the 42" we bought a few months ago is a Sanyo. Now I'm a bit nervous.

NTTAWWT

R8RFAN
03-13-2011, 11:12 PM
Funny that would shit out on you in such a short amount of time. I (knocking on serious wood here) have had really good luck with HDTVs, including the Protron 32" that we bought back in 2004.

Of course, the 42" we bought a few months ago is a Sanyo. Now I'm a bit nervous.

On a power strip too..

Good luck to ya, who the hell do you call to get a tv like this fixed nowadays anyway?

Don't see many TV shops around anymore

DaneMcCloud
03-13-2011, 11:14 PM
On a power strip too..

Good luck to ya, who the hell do you call to get a tv like this fixed nowadays anyway?

Don't see many TV shops around anymore

Just email Dave Ramsey. I'm sure he has all the answers.

Hog Farmer
03-13-2011, 11:14 PM
You can get a 4" screen TV at radio shack for less than $100 .That should fit well during football season with Al Davis's pea sized brain.

DaFace
03-13-2011, 11:14 PM
Damn dude, that sucks. :(

(Though I can't help but mention that my primary credit card automatically extends manufacturer warranties for an extra year...)

EDIT: Heh...I see I wasn't even the first to go down that road. Oh well.

Al Bundy
03-13-2011, 11:14 PM
Yeah and your wife, daughter and mother are waiting.

I'd better hop to it.

Now... I got a kick out of this.

R8RFAN
03-13-2011, 11:16 PM
Damn dude, that sucks. :(

(Though I can't help but mention that my primary credit card automatically extends manufacturer warranties for an extra year...)

Don't care about your credit card and since I don't use them, I have plenty of cash in which I can buy another and pay for it while you pay for yours 3 times on your credit card.... :thumb:

DaneMcCloud
03-13-2011, 11:18 PM
Don't care about your credit card and since I don't use them, I have plenty of cash in which I can buy another and pay for it while you pay for yours 3 times on your credit card.... :thumb:

Three times?

LMAO

JFC, you're a retarded, drooling fucking Mongoloid with a crack habit.

DaFace
03-13-2011, 11:19 PM
Don't care about your credit card and since I don't use them, I have plenty of cash in which I can buy another and pay for it while you pay for yours 3 times on your credit card.... :thumb:

As I've mentioned multiple times, I never carry balances on my credit cards, so that statement's simply false. Regardless, I'm not in the mood to get into this again, so good luck in finding a new TV.

Hog Farmer
03-13-2011, 11:20 PM
Three times?

LMAO

JFC, you're a retarded, drooling ****ing Mongoloid with a crack habit.


Better known as a Raider fan.

chopper
03-13-2011, 11:21 PM
Damn dude, that sucks. :(

(Though I can't help but mention that my primary credit card automatically extends manufacturer warranties for an extra year...)

EDIT: Heh...I see I wasn't even the first to go down that road. Oh well.

Which one does that manufacturer warranty thing?

Hog Farmer
03-13-2011, 11:21 PM
Fuck you

Fixed it for ya Mr. Daface

R8RFAN
03-13-2011, 11:22 PM
As I've mentioned multiple times, I never carry balances on my credit cards, so that statement's simply false. Regardless, I'm not in the mood to get into this again, so good luck in finding a new TV.
If I were up to my ass in debt, I would run from the problem too, that will make it go away :thumb:

Just Passin' By
03-13-2011, 11:22 PM
For what it's worth:

I went to a Sanyo consumer complaint site. Apparently, the problem you have is very common to Sanyo TVs. One person called it a panel board problem, another called it a PCB board problem, and others left it unnamed.

It generally seemed to run $200-$250 to fix, with no promise that it won't happen again.

DaneMcCloud
03-13-2011, 11:23 PM
Fixed it for ya Mr. Daface

You forgot to mention his oversized vagina from all those years in prison while being hosed with 45 pound weight bars as his family watched and cheered.

DaFace
03-13-2011, 11:23 PM
Which one does that manufacturer warranty thing?

Quite a few do it I think, but the one I currently use the most is a Discover Escape card. It also saved my ass recently because they automatically give you the Collision Damage Waiver insurance that car rental companies try and get you to buy. I hate those things, but took a rock to the windshield on a business trip.

DaFace
03-13-2011, 11:24 PM
If I were up to my ass in debt, I would run from the problem too, that will make it go away :thumb:

I still don't have any idea where you got this idea that I'm in debt. :shrug:

R8RFAN
03-13-2011, 11:25 PM
For what it's worth:

I went to a Sanyo consumer complaint site. Apparently, the problem you have is very common to Sanyo TVs. One person called it a panel board problem, another called it a PCB board problem, and others left it unnamed.

It generally seemed to run $200-$250 to fix, with no promise that it won't happen again.

Thanks for the info.....

What would you do? Buy a new one or fix the old one?

R8RFAN
03-13-2011, 11:26 PM
I still don't have any idea where you got this idea that I'm in debt. :shrug:

I know you are in debt because you are always the first one to defend using a credit card. It's like a drunk that does not think he is an alcoholic.

Gonzo
03-13-2011, 11:26 PM
I just bought a Samsung 55 inch plasma, 1080, all bells and whistles. Super sale at Nebraska Furniture Mart for 650. Beautiful picture. 4 year warranty etc.
Posted via Mobile Device

DaneMcCloud
03-13-2011, 11:26 PM
I still don't have any idea where you got this idea that I'm in debt. :shrug:

Everyone's in debt.

Didn't you get the memo?

R8RFAN
03-13-2011, 11:27 PM
I just bought a Samsung 55 inch plasma, 1080, all bells and whistles. Super sale at Nebraska Furniture Mart for 650. Beautiful picture. 4 year warranty etc.
Posted via Mobile Device

That was a steal

BigMeatballDave
03-13-2011, 11:27 PM
I just bought a Samsung 55 inch plasma, 1080, all bells and whistles. Super sale at Nebraska Furniture Mart for 650. Beautiful picture. 4 year warranty etc.
Posted via Mobile Device$650? Fuck off! :)

Just Passin' By
03-13-2011, 11:28 PM
Thanks for the info.....

What would you do? Buy a new one or fix the old one?

Think of the $250 as rental money. Would you pay $250 to rent that TV for 1-3 years? The way advances are happening in televisions today, that's a call that can go either way, IMO.

chopper
03-13-2011, 11:28 PM
Quite a few do it I think, but the one I currently use the most is a Discover Escape card. It also saved my ass recently because they automatically give you the Collision Damage Waiver insurance that car rental companies try and get you to buy. I hate those things, but took a rock to the windshield on a business trip.

I hate that hard sell shit you have to go through when you rent a car. My company uses National, thankfully, we "skip the counter" all the time and don't deal with that crap. I think our contract with National has us protected from those types of accidents. But when we have to use another service, I usually just say yes, whatever, give me whatever you want and let me get the hell out of this airport.

I thought all credit cards automatically gave you rental car insurance like that, almost every article I've read praising credit cards lists the rental car insurance as a reason. But the asshole at Enterprise or whatever one time told me my credit card didn't cover anything. I felt like he was lying to me there, but I just bought the insurance anyway to get the hell out of there.

DaFace
03-13-2011, 11:29 PM
I know you are in debt because you are always the first one to defend using a credit card. It's like a drunk that does not think he is an alcoholic.

Are you related to googlegoogle?

R8RFAN
03-13-2011, 11:29 PM
You know what Daface, I have that receipt right here and I bought that TV on my Visa card on a Saturday in May because the bank was closed...

I did pay it in full as soon as the bill came in though...

DaneMcCloud
03-13-2011, 11:29 PM
I know you are in debt because you are always the first one to defend using a credit card. It's like a drunk that does not think he is an alcoholic.

And you're a fucking toothless moron.

I haven't paid for a hotel room in more than a decade. I've stayed at 4 and 5 star hotels in Italy, Tahiti, Hawaii, Mexico, Rome, Florence, Venice, Munich and many stateside hotels during that time.

Why?

Because I charge EVERYTHING to my credit card and let is work for ME.

But of course, you're far too fucking retarded to understand the concept, which is why you're stuck with a $1,000 dollar, piece of fucking shit TV that's broken after one year.

LMAO

ROFL

R8RFAN
03-13-2011, 11:30 PM
Think of the $250 as rental money. Would you pay $250 to rent that TV for 1-3 years? The way advances are happening in televisions today, that's a call that can go either way, IMO.
Trash it?

DaFace
03-13-2011, 11:31 PM
I hate that hard sell shit you have to go through when you rent a car. My company uses National, thankfully, we "skip the counter" all the time and don't deal with that crap. I think our contract with National has us protected from those types of accidents. But when we have to use another service, I usually just say yes, whatever, give me whatever you want and let me get the hell out of this airport.

I thought all credit cards automatically gave you rental car insurance like that, almost every article I've read praising credit cards lists the rental car insurance as a reason. But the asshole at Enterprise or whatever one time told me my credit card didn't cover anything. I felt like he was lying to me there, but I just bought the insurance anyway to get the hell out of there.

A lot will, but mine's specific benefit is that it's a primary insurance coverage rather than secondary. With secondary, you have to submit it to your own insurance first. With primary, you just submit it to Discover and they take care of it.

DaFace
03-13-2011, 11:33 PM
You know what Daface, I have that receipt right here and I bought that TV on my Visa card on a Saturday in May because the bank was closed...

I did pay it in full as soon as the bill came in though...

Then the only difference between you and me is that I do that for as many purchases as I can because I want the rewards.

DaneMcCloud
03-13-2011, 11:34 PM
Then the only difference between you and me is that I do that for as many purchases as I can because I want the rewards.

I don't think that's the only difference

Hog Farmer
03-13-2011, 11:34 PM
I still don't have any idea where you got this idea that I'm in debt. :shrug:

His brain ain't right!

R8RFAN
03-13-2011, 11:35 PM
Then the only difference between you and me is that I do that for as many purchases as I can because I want the rewards.

I do too, I do it on a perkstreet.com debit card and get 2% back on everything I buy now.... No fees, No interest EVER

KC Tattoo
03-13-2011, 11:38 PM
That was a steal

Steal, that is a word associated with raiders. You just answered your own question :thumb:.

Hog Farmer
03-13-2011, 11:42 PM
I do too, I do it on a perkstreet.com debit card and get 2% back on everything I buy now.... No fees, No interest EVER


What an idiot ! Debit cards take your money straight from your account. A credit card gives you 30 days to pay for it in full. Personally I've used the 0% credit card offers for over 25 years and NEVER paid a lick of interest. People that pay cash for everything and have to resort to debit cards are for the most part people that have no discipline.

DaFace
03-13-2011, 11:43 PM
What an idiot ! Debit cards take your money straight from your account. A credit card gives you 30 days to pay for it in full. Personally I've used the 0% credit card offers for over 25 years and NEVER paid a lick of interest. People that pay cash for everything and have to resort to debit cards are for the most part people that have no discipline.

Just a warning: this has been discussed around here ad nauseum. He won't ever agree, so I'd suggest not wasting your time.

R8RFAN
03-13-2011, 11:44 PM
What an idiot ! Debit cards take your money straight from your account. A credit card gives you 30 days to pay for it in full. Personally I've used the 0% credit card offers for over 25 years and NEVER paid a lick of interest. People that pay cash for everything and have to resort to debit cards are for the most part people that have no discipline.

I don't live from paycheck to paycheck dumbass, why do I need 30 days?

chopper
03-13-2011, 11:45 PM
I do too, I do it on a perkstreet.com debit card and get 2% back on everything I buy now.... No fees, No interest EVER

Didn't you recently say you had a 6 figure bank account? You are exactly the person who would benefit from using a credit card as often as possible, to get more interest on your money that's just sitting there. I don't think you're a toothless moron, or whatever Dane said, but if you can't distinguish between credit card debt that you intend to pay off in full when the bill comes, and bad debt that can't ever be paid off because of poor judgement/purchasing decisions, maybe I should reconsider.

I wonder how much perkstreet is making off of your required $5,000 dollar daily balance...something tells me it's more than 2%.

R8RFAN
03-13-2011, 11:46 PM
Just a warning: this has been discussed around here ad nauseum. He won't ever agree, so I'd suggest not wasting your time.

You brought the damn subject up, don't run off like a bitch when it gets heated.

R8RFAN
03-13-2011, 11:51 PM
Didn't you recently say you had a 6 figure bank account? You are exactly the person who would benefit from using a credit card as often as possible, to get more interest on your money that's just sitting there. I don't think you're a toothless moron, or whatever Dane said, but if you can't distinguish between credit card debt that you intend to pay off in full when the bill comes, and bad debt that can't ever be paid off because of poor judgement/purchasing decisions, maybe I should reconsider.

I wonder how much perkstreet is making off of your required $5,000 dollar daily balance...something tells me it's more than 2%.

Finally, dude, that was spoken about as well as anyone here has ever posted... I can tell you are a really smart guy and I am sure Perkstreet is making money or they would not be in business... but to be completely honest, the reason I do not use credit cards is because I don't have to... I bank a few thousand every month and still do everything I want to do... I don't need to make more money and I just don't borrow money and that's the bottom line... Don't believe in it, hold no grudge against whomever does, it's just not for me...

Will I need to one day? Who knows what life will hold later on.... I hope not though..

DaneMcCloud
03-13-2011, 11:53 PM
If it hurts to be stupid, I can't imagine the pain and agony that R8ers must endure each and every day.
Posted via Mobile Device

KC Tattoo
03-13-2011, 11:57 PM
If it hurts to be stupid & ugly, I can't imagine the pain and agony that R8ers must endure each and every day.
Posted via Mobile Device

fyp

Guru
03-13-2011, 11:59 PM
I know you are in debt because you are always the first one to defend using a credit card. It's like a drunk that does not think he is an alcoholic.
Smart people like Daface pay their balance every month so it isn't an issue.

chopper
03-14-2011, 12:00 AM
Finally, dude, that was spoken about as well as anyone here has ever posted... I can tell you are a really smart guy and I am sure Perkstreet is making money or they would not be in business... but to be completely honest, the reason I do not use credit cards is because I don't have to... I bank a few thousand every month and still do everything I want to do... I don't need to make more money and I just don't borrow money and that's the bottom line... Don't believe in it, hold no grudge against whomever does, it's just not for me...

Will I need to one day? Who knows what life will hold later on.... I hope not though..

I getcha, but in these days, you have to admit that attitude puts you in the extreme minority. But you are definitely not the first person I've met that thinks like that, so to each his own. I can't help but think of my boss, who also banks about what you do a month, but at the same time hasn't paid for a vacation in who knows how long (between credit card rewards and business trips accumulating FF miles). The best of both worlds.

I'm not trying to knock your financial methods, because honestly you're in a better position than I am because of them, it just seems unreasonable, IMO, to be so debt averse, when it has several positive qualities, and you can clearly pay it off every month. But, again, to each his own.

Guru
03-14-2011, 12:01 AM
You brought the damn subject up, don't run off like a bitch when it gets heated.

What the fuck is wrong with you?

R8RFAN
03-14-2011, 12:06 AM
I getcha, but in these days, you have to admit that attitude puts you in the extreme minority. But you are definitely not the first person I've met that thinks like that, so to each his own. I can't help but think of my boss, who also banks about what you do a month, but at the same time hasn't paid for a vacation in who knows how long (between credit card rewards and business trips accumulating FF miles). The best of both worlds.

I'm not trying to knock your financial methods, because honestly you're in a better position than I am because of them, it just seems unreasonable, IMO, to be so debt averse, when it has several positive qualities, and you can clearly pay it off every month. But, again, to each his own.

I may one day get me one of those fancy shiny cards and get some points racked up , who knows.... I have a Visa card and I used it to buy that TV as I said earlier because the bank was closed but it makes me feel sick to my stomach to owe anyone anything.....Thats why I paid off the house, I also refuse to sign contracts at phone companies as well...

I live like less that 2% of the population as far as statistics go if you believe them, I guess I am just weird :thumb:

Hog Farmer
03-14-2011, 12:10 AM
I don't live from paycheck to paycheck dumbass, why do I need 30 days?

That's because you don't even have a job. You probably steal autos for a living.

R8RFAN
03-14-2011, 12:13 AM
That's because you don't even have a job. You probably steal autos for a living.

I have been exposed

DaneMcCloud
03-14-2011, 12:16 AM
I have been exposed

Well, this is old news.

EVERYONE knows you're retarded dumbass with control issues.

Phobia
03-14-2011, 12:31 AM
I just wanted to be part of a pissing contest. Here I am. You all suck. My TV is a Hitachi and it has been working for 5 years. Hahahaha. You all suck still.

DaneMcCloud
03-14-2011, 12:33 AM
I just wanted to be part of a pissing contest. Here I am. You all suck. My TV is a Hitachi and it has been working for 5 years. Hahahaha. You all suck still.

Just keep in mind that if you didn't pay cash 5 years ago, you were fucked over by the MAN.

Phobia
03-14-2011, 12:36 AM
Just keep in mind that if you didn't pay cash 5 years ago, you were ****ed over by the MAN.

I paid Circuit City with a credit card which I never paid off so it was even better than paying cash. Free TV.

DaneMcCloud
03-14-2011, 12:39 AM
I paid Circuit City with a credit card which I never paid off so it was even better than paying cash. Free TV.

you suck. and i have more moneies becuase ron paul told me so because i own a trailer and foru atvs and some big tvs that don't work now but i have more money than you and you are teh stupid cayse credut crads are fir the weak and por and the brock poeple that have no monies and im tired of wlfare people cus theyre broken and stupd and have no moneys lke me and my fmly and our tralr.

raydurrs.

'Hamas' Jenkins
03-14-2011, 01:51 AM
You might look up how much the TV is going for used on eBay, both broken and functional. From there, that can sway your decision to sell or buy.

R8RFAN
03-14-2011, 07:40 AM
You might look up how much the TV is going for used on eBay, both broken and functional. From there, that can sway your decision to sell or buy.

Well I have decent news


I bought the TV in May last year so it is under the 1 yr warranty and all repairs will be free but I have to take it to them and pick it up...

Thank God For cash huh or I would still be paying for a broken TV :doh!:

Over-Head
03-14-2011, 07:42 AM
No matter what ya get,,,buy it at Walmart with teh extended warranty, they'll take ANYTHING back :thumb:

Fritz88
03-14-2011, 07:45 AM
Personally I would go with a Samsung because they have a quality product that you can expect to last for 10 years.

I think a lot of people here like Sony too.

this. I have 4 of them

55
42
32
32
Good products

R8RFAN
03-14-2011, 07:53 AM
this. I have 4 of them

55
42
32
32
Good products

This will be my next purchase but since this one is under warranty and they have to pay the bill, I am gonna try to get a couple more years out of this 10 month old tv I paid a grand for :thumb:

Over-Head
03-14-2011, 07:56 AM
Well, this is old news.

EVERYONE knows I have a god complex control issue, and knows everything about entertainment, and finances . FYP :thumb:

R8RFAN
03-14-2011, 08:03 AM
FYP :thumb:
I can't seem to understand how someone can be as rich and successful as he claims to be and spend 23 hours a day on CP...I guess even a successful pedophile must have bad days exploiting underage teenage runaway girls.

Over-Head
03-14-2011, 08:04 AM
I can't seem to understand how someone can be as rich and successful as he claims to be and spend 23 hours a day on CP...I guess even a successful pedophile must have bad days exploiting underage teenage runaway girls.
It's only so he can correct everyone else around here with his intellect, or it's like the Cadburry's secret....jury still not out on this one

R8RFAN
03-14-2011, 08:08 AM
It's only so he can correct everyone else around here with his intellect, or it's like the Cadburry's secret....jury still not out on this one

He claims to be a big shot, he is probably the clean up guy after shooting a scene of rough anal gay sex.... LMAO

He probably hands the big guys the baby wipes

kepp
03-14-2011, 08:14 AM
Plasma...Costco....go shop

Samsung.

You won't regret it.

This & This

Over-Head
03-14-2011, 08:16 AM
He claims to be a big shot, he is probably the clean up guy after shooting a scene of rough anal gay sex.... LMAO

He probably hands the big guys the baby wipes
Don't know if I'd go that far, but if it has ANYTHING to do with entertainment, pro sports, finances, or Celiberities then Dane is the ONLY man who's opnion counts.......don't beilieve me...just ask Dane himself ;)

R8RFAN
03-14-2011, 08:18 AM
Don't know if I'd go that far, but if it has ANYTHING to do with entertainment, pro sports, finances, or Celiberities then Dane is the ONLY man who's opnion counts.......don't beilieve me...just ask Dane himself ;)

That boy is the smartest to shit between two shoe laces here.

rageeumr
03-14-2011, 08:28 AM
I have a Samsung that I love. Just to play devil's advocate to the pro-Sammy crowd, though, my parents had a slimline DLP that was nothing but trouble. Had some spotting and discoloration issues while still under warranty. Got it fixed. Then shortly after the warranty period ended it started shutting itself off intermittently. Then more color issues. My parents paid to fix it at least twice. Finally gave up on it, and it wasn't even 2 years old.

R8RFAN
03-14-2011, 08:32 AM
I have a Samsung that I love. Just to play devil's advocate to the pro-Sammy crowd, though, my parents had a slimline DLP that was nothing but trouble. Had some spotting and discoloration issues while still under warranty. Got it fixed. Then shortly after the warranty period ended it started shutting itself off intermittently. Then more color issues. My parents paid to fix it at least twice. Finally gave up on it, and it wasn't even 2 years old.

We have a 32 inch Phillips in the bedroom and it has been great...

I have read the reviews on Samsung and that will be the next tv I buy.... Maybe in a year or 2 the wifi will be standard on all tv's and not cost 1000 more....

Over-Head
03-14-2011, 08:37 AM
My fault, Sanyo junk owned maybe a year on power strip
52 INCH LCD Black screen No sound ,Green power light blinks on and off, checked another tv, other tv worked fin on DTV box....

Theres about 1000 bucks thrown in the trash....

Could somebody recommend a nice tv.... 52-55 inch that will last more than a year?

Back on topic

I have a 27" Prima that was bought in a grocery store 3 years ago for $299.00 .
A year ago I gave my former employee $50 for this very same unit as he bought a new Plasma.
His had been back to the dealer twice for repairs, and 2 in home service calls, mine still works like a charm :thumb::thumb:

I'm a different sort, long as it works I don't give flying **** if it's HD, Plasma, flat screen or cathater diode. If I hit the button, and it comes to life with a working picture, and sound...I'm happy.
Hell I don't even have a surround sound system, don't really need it for Treehouse (which with my 4yr old is on most of the time)
Had one, I got at waqlmart for $50.00, 8 years ago during a post boxing day sale, that crapped out last year.

Not a huge gotta have the latest greatest electronic gizmo person. Hell don't know if I even have enough time to watch a TV worth more than $500 on a good day, let alone one which costs more than a grand to justify buying it.

Would I like a huge TV, sure....love to win the lotto as well

R8RFAN
03-14-2011, 08:42 AM
Back on topic

I have a 27" Prima that was bought in a grocery store 3 years ago for $299.00 .
A year ago I gave my former employee $50 for this very same unit as he bought a new Plasma.
His had been back to the dealer twice for repairs, and 2 in home service calls, mine still works like a charm :thumb::thumb:

I'm a different sort, long as it works I don't give flying **** if it's HD, Plasma, flat screen or cathater diode. If I hit the button, and it comes to life with a working picture, and sound...I'm happy.
Hell I don't even have a surround sound system, don't really need it for Treehouse (which with my 4yr old is on most of the time)
Had one, I got at waqlmart for $50.00, 8 years ago during a post boxing day sale, that crapped out last year.

Not a huge gotta have the latest greatest electronic gizmo person. Hell don't know if I even have enough time to watch a TV worth more than $500 on a good day, let alone one which costs more than a grand to justify buying it.

Would I like a huge TV, sure....love to win the lotto as well

I gotta have HD and the screen has to be big in the living room... other than that I don't care, I don't have surround sound either ..

Hell OH, you can get 46 inch 1080p tvs for 500 bucks now

Over-Head
03-14-2011, 08:47 AM
I gotta have HD and the screen has to be big in the living room... other than that I don't care, I don't have surround sound either ..

Hell OH, you can get 46 inch 1080p tvs for 500 bucks now
Why, mine still works, then I go look for another one, besides I don'rt think I ever paid more than $250 for one.

Before I got married, I didn't even give a shit if it were B/W, i'm color blind....really makes no difference to me

R8RFAN
03-14-2011, 08:56 AM
Why, mine still works, then I go look for another one, besides I don'rt think I ever paid more than $250 for one.

Before I got married, I didn't even give a shit if it were B/W, i'm color blind....really makes no difference to me

I meant if you needed a new one, not to go out and buy one.

Over-Head
03-14-2011, 09:10 AM
I meant if you needed a new one, not to go out and buy one. Why, I could steal it cheaper,,,I mean I do have the Raider image to uphold :evil:

Bill Lundberg
03-14-2011, 09:14 AM
You can't go wrong with a Panasonic Vierra for Plasma. Highly rated and very affordable. I love the one I have.

R8RFAN
03-14-2011, 09:15 AM
Why, I could steal it cheaper,,,I mean I do have the Raider image to uphold :evil:

Oh yea, we can carjack someone on the way too...:spock:
Lots of carjackings go on everyday in this town of about 15 thousand

tate2133
03-14-2011, 09:52 AM
I just bought a Samsung 55 inch plasma, 1080, all bells and whistles. Super sale at Nebraska Furniture Mart for 650. Beautiful picture. 4 year warranty etc.
Posted via Mobile Device

What model is it?

Dave Lane
03-14-2011, 09:57 AM
I have loved my sharp aquos for four years now. But if I had a bitch it would be the volume but I am hooked up to yamaha surround.

I have a Sharp Aquos 52" and my folks have one too. Fantastic sets have lasted 3 years so far.

ExtremeChief
03-14-2011, 10:26 AM
6 year old 42" Samsung plasma here. No problems, great picture.

Mr. Plow
03-14-2011, 10:34 AM
Nice move, genius.

Have you sent Dave Ramsey an email yet telling him to fuck himself?

Haven't you got a porn video to shoot or something?

Yeah and your wife, daughter and mother are waiting.

I'd better hop to it.

Once a scumbag , always a scumbag...

Is that what your were told the day you were released from prison?


ROFL

WTF was that about?

mikeyis4dcats.
03-14-2011, 10:37 AM
Well I have decent news


I bought the TV in May last year so it is under the 1 yr warranty and all repairs will be free but I have to take it to them and pick it up...

Thank God For cash huh or I would still be paying for a broken TV :doh!:
do you really not understand that you don't HAVE to carry a balance on a credit card....or are you just a troll?

I have over 90k in credit limit....and I don't carry a balance. But if I ever needed to, it's there. And I get great rewards for using my card.

In fact, I just signed up a month ago for a AA card, got 75k points for buying $1500 in coins from the US Mint, which I then deposited in the bank to pay off the card. That's good for 2 trips anywhere in the US or Mexico.

Then, last night I signed up for a Venture card from Cap One, who will match those 75k points, add 10k of their own which will give me $850 in credit towards my next travel purchase. All for buying $1k in coins from the US Mint.

LOL....amateur.

DaFace
03-14-2011, 10:41 AM
ROFL

WTF was that about?

R8ers is a "cash only" kind of guy, to a fault (in my opinion). Dane isn't known for his sympathy for people who he thinks make unintelligent decisions. It's a carry-over from previous threads...this one mainly:

http://www.chiefsplanet.com/BB/showthread.php?p=7421900

Cave Johnson
03-14-2011, 10:46 AM
My advice for next time, don't make a major consumer purchase on a shitty 3rd tier brand. Panasonic, Samsung, or Sony are the way to go.

Trying to buy the biggest TV you can for the money is like dramatically upping your commute time by buying a humongous house in the burbs.

WV
03-14-2011, 10:57 AM
My advice for next time, don't make a major consumer purchase on a shitty 3rd tier brand. Panasonic, Samsung, or Sony are the way to go.

Good advice, but do your research. I'm not sure about currently, but Sony used to use Samsung panels in their TV's. I'm a Sony fan, but sometimes you pay more for their name.

R8RFAN
03-14-2011, 11:11 AM
do you really not understand that you don't HAVE to carry a balance on a credit card....or are you just a troll?

I have over 90k in credit limit....and I don't carry a balance. But if I ever needed to, it's there. And I get great rewards for using my card.

In fact, I just signed up a month ago for a AA card, got 75k points for buying $1500 in coins from the US Mint, which I then deposited in the bank to pay off the card. That's good for 2 trips anywhere in the US or Mexico.

Then, last night I signed up for a Venture card from Cap One, who will match those 75k points, add 10k of their own which will give me $850 in credit towards my next travel purchase. All for buying $1k in coins from the US Mint.

LOL....amateur.


Instead of 90k in credit I have 6 digits in CASH,a 401 k with alot more than that and a paid off house.., what the hell do I NEED A CREDIT CARD FOR? To look like I have money ? use cash, you know the shit you are using your credit to get?

I bet 50% of the people on this forum like in real life say they are paying that shit off every month are lying thru their teeth..

I don't "need" anybodys "points" I have never been on a commercial airliner (smaller plane yes) but never on a commercial airliner and since I am almost 45 now, odds are I am not going to any time soon...

Dumbasses and credit is what is wrong with this country now, maybe you manage it like a champ, you are in the minority if you do because there are so many people that are 1 paycheck away from bankruptcy and still using a freaking credit card....

Go buy that 40k SUV on that 35k a year salary, buy that 350k house too while you are at it...

It's your life and it's your money, spend yours like you like, I will spend mine like I like... I prefer to MAKE the money to spend, not Borrow the money to spend....

Just remember though
Run up all that debt then when you die, it comes out of the estate you were suppose to leave to the wife and kids....

All you bulletin board credit tycoons here pull those credit card statements out and mark out the identity shit and show me you carry a 0 balance.....

I don't believe it... Prove me wrong

Cave Johnson
03-14-2011, 11:12 AM
Good advice, but do your research. I'm not sure about currently, but Sony used to use Samsung panels in their TV's. I'm a Sony fan, but sometimes you pay more for their name.

Oh, I wouldn't buy a Sony either. They've replaced Pioneer as the overpriced brand, except without the tech superiority.

R8RFAN
03-14-2011, 11:13 AM
My advice for next time, don't make a major consumer purchase on a shitty 3rd tier brand. Panasonic, Samsung, or Sony are the way to go.


Thats good advice...

I could have bought about anything made but I am kinda frugal

R8RFAN
03-14-2011, 11:23 AM
Instead of 90k in credit I have 6 digits in CASH,a 401 k with alot more than that and a paid off house.., what the hell do I NEED A CREDIT CARD FOR? To look like I have money ? use cash, you know the shit you are using your credit to get?

I bet 50% of the people on this forum like in real life say they are paying that shit off every month are lying thru their teeth..

I don't "need" anybodys "points" I have never been on a commercial airliner (smaller plane yes) but never on a commercial airliner and since I am almost 45 now, odds are I am not going to any time soon...

Dumbasses and credit is what is wrong with this country now, maybe you manage it like a champ, you are in the minority if you do because there are so many people that are 1 paycheck away from bankruptcy and still using a freaking credit card....

Go buy that 40k SUV on that 35k a year salary, buy that 350k house too while you are at it...

It's your life and it's your money, spend yours like you like, I will spend mine like I like... I prefer to MAKE the money to spend, not Borrow the money to spend....

Just remember though
Run up all that debt then when you die, it comes out of the estate you were suppose to leave to the wife and kids....

All you bulletin board credit tycoons here pull those credit card statements out and mark out the identity shit and show me you carry a 0 balance.....

I don't believe it... Prove me wrong

Thats right I said it, all you broke dick bastards who claim you carry 0 balance pull the credit card statement out and show me you are not carrying a balance from month to month when you know you are lying thru your teeth....

I despise liars and it's time for the shit to hit the fan

mikeyis4dcats.
03-14-2011, 11:27 AM
Instead of 90k in credit I have 6 digits in CASH,a 401 k with alot more than that and a paid off house.., what the hell do I NEED A CREDIT CARD FOR? To look like I have money ? use cash, you know the shit you are using your credit to get?

I bet 50% of the people on this forum like in real life say they are paying that shit off every month are lying thru their teeth..

I don't "need" anybodys "points" I have never been on a commercial airliner (smaller plane yes) but never on a commercial airliner and since I am almost 45 now, odds are I am not going to any time soon...

Dumbasses and credit is what is wrong with this country now, maybe you manage it like a champ, you are in the minority if you do because there are so many people that are 1 paycheck away from bankruptcy and still using a freaking credit card....

Go buy that 40k SUV on that 35k a year salary, buy that 350k house too while you are at it...

It's your life and it's your money, spend yours like you like, I will spend mine like I like... I prefer to MAKE the money to spend, not Borrow the money to spend....

Just remember though
Run up all that debt then when you die, it comes out of the estate you were suppose to leave to the wife and kids....

All you bulletin board credit tycoons here pull those credit card statements out and mark out the identity shit and show me you carry a 0 balance.....

I don't believe it... Prove me wrong

https://lh5.googleusercontent.com/_xbnMjceKX7E/TX5BoxdbGdI/AAAAAAAAKVM/WFO9UJ7K4Eo/s1152/untitled.JPG



This doesn't include my newest account with a 30k limit I set up last night. It also doesn't include an old BOA account I forgot the login info for.

Cave Johnson
03-14-2011, 11:27 AM
Thats good advice...

I could have bought about anything made but I am kinda frugal

You're much better off paying the same and buying a slightly smaller TV (e.g., 50" instead of 52").

Fixing a busted one is a PITA.

R8RFAN
03-14-2011, 11:29 AM
good job but blank out the ending in numbers....

You are one.... lets see who else is telling the truth here

R8RFAN
03-14-2011, 11:30 AM
You're much better off paying the same and buying a slightly smaller TV (e.g., 50" instead of 52").

Fixing a busted one is a PITA.

I will fix it once because it's only 10 months old and they are paying the bill, ... if it dies again, I will buy better quality next time

DaFace
03-14-2011, 11:46 AM
good job but blank out the ending in numbers....

You are one.... lets see who else is telling the truth here

I'm not going to spend an hour going back month-by-month, but here's my most recent one my primary card.

http://img34.imageshack.us/img34/1289/78896817.png (http://img34.imageshack.us/i/78896817.png/)

And before you ask, yes, I'll be paying the full $4923 when it's due. Right now, it's still earning me interest for another week.

Lzen
03-14-2011, 12:11 PM
Probably wouldn't cost that much, but maybe a couple of hundred, I dunno, depends on who you can find to do it.

If I bought a TV larger than 32", I would consider the extended warranty if the store offers it, for just this reason. (My parents bought a giant LG, 50" or 60", at Brandsmart. They bought the extended warranty. I told them they wasted their money. Until less than a year later, the converter fried. Someone came out, took it apart, ordered a converter, came back in a week, put it in, TV works fine again.)

I bought a 42" refurb Vizio in 2007 from Tiger Direct. Then I bought a 3 year extended warranty from Vizio for $150. Never had to use the warranty, though.

Mr. Plow
03-14-2011, 12:13 PM
How many CC do you have mikey? Just curious.

Lzen
03-14-2011, 12:20 PM
What an idiot ! Debit cards take your money straight from your account. A credit card gives you 30 days to pay for it in full. Personally I've used the 0% credit card offers for over 25 years and NEVER paid a lick of interest. People that pay cash for everything and have to resort to debit cards are for the most part people that have no discipline.

That's great if you can do that and have the discipline to maintain that way of doing things. And I don't think even Dave Ramsey would have a problem with you doing that. You see, despite what many on here may think of him, he is actually pretty smart and handles each person on an individual basis. That being said, many Americans are in a lot of debt. And part of that is because they don't have the discipline to pay off the cc purchases every month.

mikeyis4dcats.
03-14-2011, 12:24 PM
How many CC do you have mikey? Just curious.

including the one I signed up for last night, 8 I believe. I use one primary card for purchases, one for specific purchases that get me a great benefit, and several aren't used at all that are either old primary cards or ones I signed up for bonus offers like I outlined above.

I've also had another 6 or 7 that I have closed over the years.

Mr. Plow
03-14-2011, 12:31 PM
including the one I signed up for last night, 8 I believe. I use one primary card for purchases, one for specific purchases that get me a great benefit, and several aren't used at all that are either old primary cards or ones I signed up for bonus offers like I outlined above.

I've also had another 6 or 7 that I have closed over the years.

Gotcha. Seems like a lot to me, but having that credit there in an emergency situation would be nice.

Over-Head
03-14-2011, 12:32 PM
Oh yea, we can carjack someone on the way too...:spock:
Lots of carjackings go on everyday in this town of about 15 thousand
even more on my island of 3000 and 181 cars

Hays
03-14-2011, 12:32 PM
I had same issue was the projection bulb 80 bucks

Lzen
03-14-2011, 12:36 PM
including the one I signed up for last night, 8 I believe. I use one primary card for purchases, one for specific purchases that get me a great benefit, and several aren't used at all that are either old primary cards or ones I signed up for bonus offers like I outlined above.

I've also had another 6 or 7 that I have closed over the years.

Damn, you're buying the beer next time we go to Skinny's.

:p

mikeyis4dcats.
03-14-2011, 12:51 PM
Gotcha. Seems like a lot to me, but having that credit there in an emergency situation would be nice.

Your credit score is partially based on available credit, but you also take a hit for closing accounts.

My credit score today is around 800-820.

I totally get the credit card debt trap...in fact I fell into it hard myself years ago and have paid off over 30k in credit card debt.

But that doesn't make credit cards evil....any more than a gun is evil. Both are a tool.....how you use it is on you.

Mr. Plow
03-14-2011, 12:59 PM
Your credit score is partially based on available credit, but you also take a hit for closing accounts.

My credit score today is around 800-820.

I totally get the credit card debt trap...in fact I fell into it hard myself years ago and have paid off over 30k in credit card debt.

But that doesn't make credit cards evil....any more than a gun is evil. Both are a tool.....how you use it is on you.


Wife & I have a few cards between us. I've been bad about them for awhile and just recently decided it was time to put a stop to it - I've got her card paid down almost to $0 and then going to start on mine. Going to start using them monthly for a few things and then pay them off each month. But it'll be nice to have something to fall back on when the inevitable emergency happens and we need $4000 right now.

Saul Good
03-14-2011, 02:01 PM
Your credit score is partially based on available credit, but you also take a hit for closing accounts.

My credit score today is around 800-820.

I totally get the credit card debt trap...in fact I fell into it hard myself years ago and have paid off over 30k in credit card debt.

But that doesn't make credit cards evil....any more than a gun is evil. Both are a tool.....how you use it is on you.

I agree with this to an extent, but a credit card would be like a gun if 3 out of 5 gun owners shoot someone every year.

**************************
# Approximately 74.9 percent of the U.S. families surveyed in 2004 had credit cards, and 58 percent of those families carried a balance. In 2001, 76.2 percent of families had credit cards, and 55 percent of those families carried a balance. (Source: Federal Reserve Bulletin, February 2006)

# About a quarter have no credit cards, and an additional 30 percent or so pay off their balances every month. (Source: Federal Reserve Board survey of consumer finances, 2004)

Average credit card debt per household with credit card debt: $14,750

Average APR on credit card with a balance on it: 13.67 percent, as of November 2010 (Source: Federal Reserve's G.19 report on consumer credit, November 2010)

Read more: http://www.creditcards.com/credit-card-news/credit-card-industry-facts-personal-debt-statistics-1276.php#ixzz1GbNcy6K4
Compare credit cards here - CreditCards.com


Read more: http://www.creditcards.com/credit-card-news/credit-card-industry-facts-personal-debt-statistics-1276.php#ixzz1GbN3nFF9

**************************


So only 30% of the population has credit cards without a balance, and the average debt is pushing $15,000. Given the average rate charged, the average household pays over $2,000 in interest per year or about 5% of their gross income.

Saul Good
03-14-2011, 02:06 PM
Wife & I have a few cards between us. I've been bad about them for awhile and just recently decided it was time to put a stop to it - I've got her card paid down almost to $0 and then going to start on mine. Going to start using them monthly for a few things and then pay them off each month. But it'll be nice to have something to fall back on when the inevitable emergency happens and we need $4000 right now.

My personal experience is that you can save up $4,000 in cash pretty easily if you don't have debt.

I don't begrudge people a credit card. I would advise anyone to become debt free. From there, once all finances are completely under control, go ahead and use credit cards for the points or whatever. Just pay them off every month.

People who bag on Dave Ramsey are missing the point. Donald Trump isn't calling his show. He's getting calls from people who have lost control of their financial lives, generally for no reason other than being sloppy.

Not everyone needs to go on P90X, and not everyone needs to go full-blown Dave Ramsey. That doesn't mean that they aren't effective plans.

rageeumr
03-14-2011, 02:09 PM
I'm not going to post any account info, but at the end of February I received a statement credit of $1,081 from American Express. I paid my balance off every month and never paid a single finance charge. So AmEx paid me $1,000+ for the convenience of using their card.

That might sound like pennies to someone who has six figures in the bank, but I think it's pretty stupid to pass on free money.

Saul Good
03-14-2011, 02:10 PM
I'm not going to spend an hour going back month-by-month, but here's my most recent one my primary card.

http://img34.imageshack.us/img34/1289/78896817.png (http://img34.imageshack.us/i/78896817.png/)

And before you ask, yes, I'll be paying the full $4923 when it's due. Right now, it's still earning me interest for another week.

Maybe I'm reading this wrong, but it looks like you had a $2364 balance from last month.

Do you cash out stocks every month to pay your credit card bill, or do you pay out of your checking account? Assuming that you pay out of your checking account, I don't see where you are making any money on the float.

Mr. Plow
03-14-2011, 02:12 PM
My personal experience is that you can save up $4,000 in cash pretty easily if you don't have debt.

I don't begrudge people a credit card. I would advise anyone to become debt free. From there, once all finances are completely under control, go ahead and use credit cards for the points or whatever. Just pay them off every month.

People who bag on Dave Ramsey are missing the point. Donald Trump isn't calling his show. He's getting calls from people who have lost control of their financial lives, generally for no reason other than being sloppy.

Not everyone needs to go on P90X, and not everyone needs to go full-blown Dave Ramsey. That doesn't mean that they aren't effective plans.


Exactly. I want to get ourselves as debt free as I can. I know that all of our issue is because I tend to be the "Ohhhhh, I want to buy that" type of person. I've gotten better at that issue, and now I'm working on getting the debt we have (which isn't much) eliminated.

Saul Good
03-14-2011, 02:21 PM
Exactly. I want to get ourselves as debt free as I can. I know that all of our issue is because I tend to be the "Ohhhhh, I want to buy that" type of person. I've gotten better at that issue, and now I'm working on getting the debt we have (which isn't much) eliminated.

I've heard people say things like, "fat people don't lose weight until they hate being fat more than they enjoy eating". It works the same way with money. Once you reach a point where you hate being in debt more than you enjoy living beyond your means, it's pretty easy to get out of debt. Once you are totally out of debt for a while, you can regroup and reassess your financial plan.

rageeumr
03-14-2011, 02:26 PM
Maybe I'm reading this wrong, but it looks like you had a $2364 balance from last month.

Do you cash out stocks every month to pay your credit card bill, or do you pay out of your checking account? Assuming that you pay out of your checking account, I don't see where you are making any money on the float.

Not my account, but I'll answer anyway.

The $2,364 is the ending balance from last month. That is the amount that must be paid in the grace period (which I think is now legally mandated at 21 days IF the card offers a grace period) to avoid finance charges. You can see he made that payment plus some additional (likely paid off the "current balance" at some point during the month) so he avoided any finance charges.

CrazyPhuD
03-14-2011, 02:28 PM
Maybe I'm reading this wrong, but it looks like you had a $2364 balance from last month.

Do you cash out stocks every month to pay your credit card bill, or do you pay out of your checking account? Assuming that you pay out of your checking account, I don't see where you are making any money on the float.

Don't keep significant cash in a checking account. Keep it in a savings and transfer when needed. While not as good as it used to there are still plenty that pay 1-1.5%. You always need some degree of liquidity anyway.

Simply Red
03-14-2011, 02:31 PM
Zenith's are good.


just joking.

Saul Good
03-14-2011, 02:44 PM
Don't keep significant cash in a checking account. Keep it in a savings and transfer when needed. While not as good as it used to there are still plenty that pay 1-1.5%. You always need some degree of liquidity anyway.

So if someone charges $20,000 per year with an average float of 15 days while earning 1.25% interest, they make $125 per year. It seems like more trouble than it's worth, but that's just me.

DaFace
03-14-2011, 02:45 PM
Maybe I'm reading this wrong, but it looks like you had a $2364 balance from last month.

Do you cash out stocks every month to pay your credit card bill, or do you pay out of your checking account? Assuming that you pay out of your checking account, I don't see where you are making any money on the float.

The $2,364 was the statement balance. Unless you aren't using the card, that'll never be zero.

As for the nuts and bolts, it doesn't really make a HUGE difference, but I pay out of a 1.5 APY savings account on the due date from the credit card company (and not before). Doing it that way is probably worth maybe $20-$30 in interest over the course of the year. Not a huge deal, but since it's easy to do, why not?

Saul Good
03-14-2011, 02:49 PM
The $2,364 was the statement balance. Unless you aren't using the card, that'll never be zero.

As for the nuts and bolts, it doesn't really make a HUGE difference, but I pay out of a 1.5 APY savings account on the due date from the credit card company (and not before). Doing it that way is probably worth maybe $20-$30 in interest over the course of the year. Not a huge deal, but since it's easy to do, why not?

Makes sense. I'm not saying that you shouldn't do it. I just want to be clear that the rest of the world who isn't taking advantage of the float isn't missing out on an embarrassment of riches or anything.

DaFace
03-14-2011, 02:50 PM
So if someone charges $20,000 per year with an average float of 15 days while earning 1.25% interest, they make $125 per year. It seems like more trouble than it's worth, but that's just me.

I don't disagree with that. It's really not a big deal though. When I make the payment online, I just change the due date. That's really all it takes.

To be clear, though, my philosophic difference with R8ers is much more about the "never use credit cards" idea (due to the rewards and benefits) than the "when to pay your credit card bill in the course of the month." The latter is a matter of pocket change. The former can be very significant.

Mr. Plow
03-14-2011, 02:56 PM
I've heard people say things like, "fat people don't lose weight until they hate being fat more than they enjoy eating". It works the same way with money. Once you reach a point where you hate being in debt more than you enjoy living beyond your means, it's pretty easy to get out of debt. Once you are totally out of debt for a while, you can regroup and reassess your financial plan.

Don't get me wrong, we don't have a lot of debt (less than $9,000), but I am to the point of being tired of having it there. It'll be nice to get it down to a # that we can pay off each month.

Saul Good
03-14-2011, 03:04 PM
Don't get me wrong, we don't have a lot of debt (less than $9,000), but I am to the point of being tired of having it there. It'll be nice to get it down to a # that we can pay off each month.

Is that just the unsecured debt? Do you have car payments or anything on top of that?

Saul Good
03-14-2011, 03:12 PM
I don't disagree with that. It's really not a big deal though. When I make the payment online, I just change the due date. That's really all it takes.

To be clear, though, my philosophic difference with R8ers is much more about the "never use credit cards" idea (due to the rewards and benefits) than the "when to pay your credit card bill in the course of the month." The latter is a matter of pocket change. The former can be very significant.

I've heard him hedge on that a little bit and say that credit cards are okay if you don't carry a balance. Of course, I've heard him say the opposite as well.

I only use a debit card, and I've been debt free other than my mortgage for a couple of years now. I don't think I will ever take out another loan unless I buy another house. I'd love to get my house paid off as well and just pay cash if I ever move, but I've still got a long way to go in that regard.

I have a degree in Finance, and I understand that a lot of my counterparts don't like the idea of having a paid-for house, but I also know how many broke financial gurus there are out there. A lot of financial plans are great in theory, but human nature gets in the way more often than not.

R8RFAN
03-14-2011, 04:15 PM
I don't disagree with that. It's really not a big deal though. When I make the payment online, I just change the due date. That's really all it takes.

To be clear, though, my philosophic difference with R8ers is much more about the "never use credit cards" idea (due to the rewards and benefits) than the "when to pay your credit card bill in the course of the month." The latter is a matter of pocket change. The former can be very significant.

I have 3 accounts
1 savings and 2 debit accounts one online one brick and mortar, direct deposit goes to brick and mortar
I have 1 credit card, if I do not have enough cash in either of the two debits and it's after hours I will use the credit card. I think I used it twice last year and one was for this broke TV BUT IT WAS PAID IN FULL AS SOON AS THE BILL HIT THE MAILBOX.

If someone is barely making enough to pay of the credit cards a month, it's very easy to get into the habit of letting this or that slide til next month, when this happens a man may be more likely to take a day off from work here and there and let that slide at the end of the month too... Before long, the man is up to his ass in debt and blaming the banks for the interest rates...

Rewards are great as long as you are not going into debt to get them...

R8RFAN
03-14-2011, 04:24 PM
Gotcha. Seems like a lot to me, but having that credit there in an emergency situation would be nice.

Good to have that credit if you need it but better to have the cash if you need it and then you don't have to pay it back to a bank.

DaFace
03-14-2011, 04:40 PM
I have 3 accounts
1 savings and 2 debit accounts one online one brick and mortar, direct deposit goes to brick and mortar
I have 1 credit card, if I do not have enough cash in either of the two debits and it's after hours I will use the credit card. I think I used it twice last year and one was for this broke TV BUT IT WAS PAID IN FULL AS SOON AS THE BILL HIT THE MAILBOX.

If someone is barely making enough to pay of the credit cards a month, it's very easy to get into the habit of letting this or that slide til next month, when this happens a man may be more likely to take a day off from work here and there and let that slide at the end of the month too... Before long, the man is up to his ass in debt and blaming the banks for the interest rates...

Rewards are great as long as you are not going into debt to get them...

No arguments. I've said all along that you have to be careful with them and that many people would be much better off going cash only. My point all along has simply been that they can have their benefits for those don't spend more than they can immediately pay off.

R8RFAN
03-14-2011, 04:50 PM
No arguments. I've said all along that you have to be careful with them and that many people would be much better off going cash only. My point all along has simply been that they can have their benefits for those don't spend more than they can immediately pay off.

Some, maybe you have done your homework and will never abuse them, for every one of you I bet there are 20 that have no idea how to manage debt and can and will get themselves in a financial pickle virtually overnight with credit cards...

They do not teach these kids anything in school anymore about debt, have them take out student loans of 100k for jobs that pay 30k a year...

At one time I was one of those who got up to my ass in credit card debt which eventually eroded the relationship with my first wife. I was very young and stupid.... Never did anything today that I could put off until tomorrow.

Stewie
03-14-2011, 04:57 PM
It appears Sanyo has a good reliability record. Maybe you got a lemon.

http://img823.imageshack.us/img823/3843/lcdtv.jpg

R8RFAN
03-14-2011, 05:04 PM
It appears Sanyo has a good reliability record. Maybe you got a lemon.



Probably, I had it on a spike protector too... I am now watching a 32 inch tv instead of a 52, they told me I probably would not get my tv back for 2 weeks :banghead:

Mr. Laz
03-14-2011, 05:11 PM
Samsung.

You won't regret it.

like my Samsung too

R8RFAN
03-14-2011, 05:13 PM
like my Samsung too

I guarantee it will be my next one. :thumb:

rageeumr
03-14-2011, 05:14 PM
It appears Sanyo has a good reliability record. Maybe you got a lemon.

http://img823.imageshack.us/img823/3843/lcdtv.jpg

Nice to see. I picked up a 50" Sanyo Plasma on BF for $500. It's only 720p, but it's my family room TV, not my mancave TV.

R8RFAN
04-13-2011, 05:56 PM
Got the TV back 3/27/11 TV dead again same issue 04/13/11
Any ideas? Tv is still barely under warranty

Valiant
04-13-2011, 06:31 PM
Probably, I had it on a spike protector too... I am now watching a 32 inch tv instead of a 52, they told me I probably would not get my tv back for 2 weeks :banghead:

Those are fine for blackouts and big surges.. But most do not cover brown outs which happen a lot.. Basically if you turn on the dishwasher and the house lights dim, you get a brownout..

Well that is at least what I had learned..
The only thing that stops them is a ac/dc/ac (ups??) but honestly most of them cost a good penny.. So damned if you do, damned if you dont..

R8RFAN
04-13-2011, 06:52 PM
Ok what would you do?

Get it fixed then sell it, diclosing it has been in the shop twice for the same problem..
Get it fixed and use it til the warranty runs out then if it blows out again, just trash it
Or
Try out the new glock on it with video camera, upload it to youtube and share it withe the members of CP.

JASONSAUTO
04-13-2011, 07:11 PM
I guarantee it will be my next one. :thumb:

My mitsubishi blows them away imo
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