Call Search
     

New to Ham Radio?
My Profile

Community
Articles
Forums
News
Reviews
Friends Remembered
Strays
Survey Question

Operating
Contesting
DX Cluster Spots
Propagation

Resources
Calendar
Classifieds
Ham Exams
Ham Links
List Archives
News Articles
Product Reviews
QSL Managers

Site Info
eHam Help (FAQ)
Support the site
The eHam Team
Advertising Info
Vision Statement
About eHam.net

   Home   Help Search  
Pages: [1]   Go Down
  Print  
Author Topic: Layaway?  (Read 705 times)
KB3GUN
Member

Posts: 6


WWW

Ignore
« on: March 03, 2003, 07:41:23 PM »

Does anyone know of any ham stores that offer layaway? There are no stores in this part of PA so they would have to offer it either online or over the phone. I know AES doesn't. I prefer layaway because, for me atleast, it's easier than trying to save up for a nice rig.

73!
Bill-KB3GUN
Logged
KB0NLY
Member

Posts: 1




Ignore
« Reply #1 on: March 04, 2003, 12:59:45 AM »

I dont think any dealers offer layaway plans, but that sure would be nice!  

You might check with some and see if they can do monthly payments with a credit card, that is if you have a credit card.  Another option would be if you have the available credit then get a small loan from your bank.  I say small loan only because most banks that i have dealt with consider $2000 or less a small loan.  

Not to many options for a ham that can't afford a new rig by writing a check unless you have a credit card or good credit to obtain a credit card or loan.

Now i know that since i posted those comments someone is going to call me obsurd for buying a radio with a bank loan, or maybe even call me crazy for using either method.  But interest rates are good right now for a loan, and depending on your credit history you may be able to get a credit card with a low initial interest rate.  Also, not all hams have the cash in the bank to go and buy a $1000 radio at the drop of a hat, i had to scrimp and save for almost a year to buy one of my radios, and that was $900 used price.

Speaking of which, look for used or demo units from all the popular radio dealers such as AES, Universal Radio, Ham Radio Outlet, Ham City, The Ham Station, and many many others.  They usually carry a warranty and return policies in case you don't like it for some reason.

Now i know you didn't ask about all these other options, but i just wanted to try and help out.  Coming from a financially strained household myself, even more so the last couple years due to the new arrival to the family, i understand why many hams are having such a hard time buying a rig.

73,

Scott, KB0NLY

 
Logged
AG4XD
Member

Posts: 32




Ignore
« Reply #2 on: March 13, 2003, 07:08:53 AM »

Layaway is not a good option for technology purchases because over time, the technology becomes better and cheaper. Being able to save money is hard to get started with if your needs seem to use up every cent. The easiest option for most people is to siphon off a small percentage of all income into a savings account as soon as it is received. Some banks still offer Christmas accounts, perhaps you could create a "virtual layaway" at a bank? Good luck!

73,

Jim
Logged
Pages: [1]   Go Up
  Print  
 
Jump to:  

Powered by MySQL Powered by PHP Powered by SMF 1.1.11 | SMF © 2006-2009, Simple Machines LLC Valid XHTML 1.0! Valid CSS!