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  Reply # 1459412 31-Dec-2015 09:41
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tdgeek:

"when it charges two or three or 10 times the normal market value of the items"     Are you sure? Thats quite a statement and if that was the case we would be reading the ComCom article on it.

As I see it they are bound to charge more than what any of us could source at Countdown, The Warehouse, etc. And they get the use of the money. And they probably buy the goods at bulk prices, or in the caase of tech, old stock prices. But I cannot see it being 2X, 3X or 10X market value  


Valid observation. I was exaggerating to make a point. But operations like Chrisco do charge way too much for what they offer. This is not value for money, which is what those who use such services actually need.






I reject your reality and substitute my own. - Adam Savage
 


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  Reply # 1459422 31-Dec-2015 09:53
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Rikkitic:
tdgeek:

"when it charges two or three or 10 times the normal market value of the items"     Are you sure? Thats quite a statement and if that was the case we would be reading the ComCom article on it.

As I see it they are bound to charge more than what any of us could source at Countdown, The Warehouse, etc. And they get the use of the money. And they probably buy the goods at bulk prices, or in the caase of tech, old stock prices. But I cannot see it being 2X, 3X or 10X market value  


Valid observation. I was exaggerating to make a point. But operations like Chrisco do charge way too much for what they offer. This is not value for money, which is what those who use such services actually need.




Its always been ironic. Comfortable Person A buys something, then gets 10% off for cash. Poor person B buys something, gets it on HP, pays 60% more.

 
 
 
 


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  Reply # 1459455 31-Dec-2015 11:19
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tdgeek:
Rikkitic:
tdgeek:

"when it charges two or three or 10 times the normal market value of the items"     Are you sure? Thats quite a statement and if that was the case we would be reading the ComCom article on it.

As I see it they are bound to charge more than what any of us could source at Countdown, The Warehouse, etc. And they get the use of the money. And they probably buy the goods at bulk prices, or in the caase of tech, old stock prices. But I cannot see it being 2X, 3X or 10X market value  


Valid observation. I was exaggerating to make a point. But operations like Chrisco do charge way too much for what they offer. This is not value for money, which is what those who use such services actually need.




Its always been ironic. Comfortable Person A buys something, then gets 10% off for cash. Poor person B buys something, gets it on HP, pays 60% more.


It's illegal to charge one price for cash and one for finance.

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  Reply # 1459456 31-Dec-2015 11:22
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Dunnersfella:
tdgeek:
Rikkitic:
tdgeek:

"when it charges two or three or 10 times the normal market value of the items"     Are you sure? Thats quite a statement and if that was the case we would be reading the ComCom article on it.

As I see it they are bound to charge more than what any of us could source at Countdown, The Warehouse, etc. And they get the use of the money. And they probably buy the goods at bulk prices, or in the caase of tech, old stock prices. But I cannot see it being 2X, 3X or 10X market value  


Valid observation. I was exaggerating to make a point. But operations like Chrisco do charge way too much for what they offer. This is not value for money, which is what those who use such services actually need.




Its always been ironic. Comfortable Person A buys something, then gets 10% off for cash. Poor person B buys something, gets it on HP, pays 60% more.


It's illegal to charge one price for cash and one for finance.


I never said they charge two rates. It was an example. Say its a car, could be an item from Harvey Normal. Bargain on the price for cash, thats not uncommon. Get it on HP, that not uncommon.

gzt

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  Reply # 1459462 31-Dec-2015 11:33
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It is over priced but users are also paying for consolidation and distribution.

and all that advertising...

but anyway eliminating consolidation and distribution cost would be a win for those users

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  Reply # 1459465 31-Dec-2015 11:49
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gzt: It is over priced but users are also paying for consolidation and distribution.

and all that advertising...

but anyway eliminating consolidation and distribution cost would be a win for those users


I'm sure they would very much enjoy Xmas shopping, being on a budget, if they had managed to pay into a Xmas Club rather than Chrisco's
Money saved, etc, but a great emotional positive time for them as well.

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  Reply # 1459483 31-Dec-2015 12:58
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People also like the pretty pictures of what they are getting. Unlike christmas club vouchers, or a savings accout, which is just money. Also many people are very lazy and like how things a chosen for them. This is despite the fact that many of the things in the hampers are probably not what you would choose.

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  Reply # 1459721 1-Jan-2016 08:58
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Beats me.
They believe the ads?

 


They need piles of stuff at Xmas?

I avoid both those and supermarkets whereever possible.
If something on special - the current lamb legs for $9 a kg for instance, at Countdown.
But other than that I shop around the butchers, get a 1/2 animal now and then, that sort of thing.


So there isn't a buy up large at Xmas really.
Son gets a ham from work every year and goes halves with us.

 

The extravagance would be cherries - the price is usually $12 to $16 a kg right on Xmas. Compared with $8 later, but I usually buy a few.

Other than the ham, cherries, we usually just do some nibbles, a BBQ perhaps and not a whole heap of food. 

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  Reply # 1459746 1-Jan-2016 10:25
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Chrisco's what?





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  Reply # 1459994 1-Jan-2016 21:21
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In previous years when we haven't been as financially secure I would put aside a certain amount each payday, and then towards the end of November I'd purchase Countdown Xmas vouchers. We could redeem them any time in Dec or Jan, and get an immediate 5% return, having already earned some interest with the money sitting in a savings account.

This contrasts with the PnS Xmas club, where the return reduces each month closer to Christmas. I can't quite work out why Countdown's works like that, but then again they're still using paper vouchers.

Didn't save anything this year, and our spending has definitely been felt more!

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  Reply # 1460025 1-Jan-2016 23:51
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Dunnersfella:
It's illegal to charge one price for cash and one for finance.


I know, and it is really annoying when you want to buy something but they have the interest free BS running.

a 12 month gem visa interest free is somewhere around 8% merchant fees when I last was able to get information. Absurd that I cant get a 8% discount on the price because of that stupid law.




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  Reply # 1460113 2-Jan-2016 11:40
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 I never said they charge two rates. It was an example. Say its a car, could be an item from Harvey Normal. Bargain on the price for cash, thats not uncommon. Get it on HP, that not uncommon.


That's just not happening retailers/car dealers wont move on price if your paying cash anymore. Why would they when they can get full retail price from the loan company's as soon as the deal is done (Apple products). The only times they will reduce the price is if the item is not selling and they need it moved to make space for new lines (Harvey Norman).

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  Reply # 1460124 2-Jan-2016 12:11
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shrub:
 I never said they charge two rates. It was an example. Say its a car, could be an item from Harvey Normal. Bargain on the price for cash, thats not uncommon. Get it on HP, that not uncommon.


That's just not happening retailers/car dealers wont move on price if your paying cash anymore. Why would they when they can get full retail price from the loan company's as soon as the deal is done (Apple products). The only times they will reduce the price is if the item is not selling and they need it moved to make space for new lines (Harvey Norman).


Not so. How can they get full retail price when I tell them I will go elsewhere. Car dealers and HN especially. Its about the sale or the no sale

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  Reply # 1460188 2-Jan-2016 13:46
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tdgeek:
shrub:
 I never said they charge two rates. It was an example. Say its a car, could be an item from Harvey Normal. Bargain on the price for cash, thats not uncommon. Get it on HP, that not uncommon.


That's just not happening retailers/car dealers wont move on price if your paying cash anymore. Why would they when they can get full retail price from the loan company's as soon as the deal is done (Apple products). The only times they will reduce the price is if the item is not selling and they need it moved to make space for new lines (Harvey Norman).


Not so. How can they get full retail price when I tell them I will go elsewhere. Car dealers and HN especially. Its about the sale or the no sale


Well then you might as well argue you should get a discount because of literally any reason.


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  Reply # 1460193 2-Jan-2016 13:55
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NonprayingMantis:
tdgeek:
shrub:
 I never said they charge two rates. It was an example. Say its a car, could be an item from Harvey Normal. Bargain on the price for cash, thats not uncommon. Get it on HP, that not uncommon.


That's just not happening retailers/car dealers wont move on price if your paying cash anymore. Why would they when they can get full retail price from the loan company's as soon as the deal is done (Apple products). The only times they will reduce the price is if the item is not selling and they need it moved to make space for new lines (Harvey Norman).


Not so. How can they get full retail price when I tell them I will go elsewhere. Car dealers and HN especially. Its about the sale or the no sale


Well then you might as well argue you should get a discount because of literally any reason.



I always ask for a discount, the worse they can say is no.




Mike
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The views stated in my posts are my personal views and not that of any other organisation.

 

 It's our only home, lets clean it up then...

 

Take My Advice, Pull Down Your Pants And Slide On The Ice!

 

 


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