I have been exposed

Well, this is old news.

EVERYONE knows you're reeruned dumbass with control issues.

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 ****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.

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.

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!:

No matter what ya get,,,buy it at Walmart with teh extended warranty, they'll take ANYTHING back :thumb:

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:

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.

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

This & This

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.

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....

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

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.

Why, I could steal it cheaper,,,I mean I do have the Raider image to uphold :evil:

You can't go wrong with a Panasonic Vierra for Plasma. Highly rated and very affordable. I love the one I have.

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

What model is it?

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

6 year old 42" Samsung plasma here. No problems, great picture.

ROFL

WTF was that about?

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.

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

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.

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.

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

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

Thats good advice...

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

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

https://lh5.googleusercontent.com/_x...2/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.

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.

good job but blank out the ending in numbers....

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

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

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

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.

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.

How many CC do you have mikey? Just curious.

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.

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.

even more on my island of 3000 and 181 cars

I had same issue was the projection bulb 80 bucks

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

:p

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.

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-ca...#ixzz1GbNcy6K4
Compare credit cards here - CreditCards.com


Read more: http://www.creditcards.com/credit-ca...#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.

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.

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.

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.

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.

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.

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.

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.

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.

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?

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.

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...

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.

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.

It appears Sanyo has a good reliability record. Maybe you got a lemon.

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

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:

like my Samsung too

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

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.

Got the TV back 3/27/11 TV dead again same issue 04/13/11
Any ideas? Tv is still barely under warranty