This is just one of many examples of how they're trying to make it seem like you're the bad guy if you pay with cash. Funny thing is that I was just in getting gas for my car the other day and there were 4 people in front of me. Each of them paid with credit cards. It took about 8 minutes to get out of the store. One guy had to try three different cards before he got approved. When I got to the cashier, I handed her 3 crisp ten dollar bills and walked away smiling and thinking about these STUPID ads!

Labels: Credit Cards, Debt Ads on TV, Debt Propaganda

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Here's what the fine print says at the bottom of this ad:

Same as cash offer on approved Best Buy consumer credit card purchases. No finance charge if paid in full before end of promotional period and if required minimum monthly payments of $10 or 1% of balance are made. Else, charges assessed from purchase date. Plan A: Variable APRS: Standard 22.65%. Default 26.65%. Plan B: Variable APRS: Standard 25.65%. Default 29.65% Minimum Finance Charges $2. Finance rates as of 8/01/07. Review your cardholder agreement for further information. Standard Delivery is limited to $50. Next-day delivery requires up to $20 additional charge and is available only if purchased by 7 p.m. Monday through Saturday and 5 p.m. on Sundays. Limited metro delivery area. U.S. stores only. Online offers may vary. Offer good from 9/23/07-10/6/07.

Labels: Debt Ads on TV, Same as Cash

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Bankruptcy? Repo? Past Due Bills? According to this ad, you need special lenders and new lower loan guidelines! But what you really need is a good budget and a plan so that you never have to borrow on a car again.

Labels: Debt Ads on TV, Note Lots

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Yet another example...



See the original post: Weekly (over) Payments Part I
and another example: Weekly (over) Payments Part II

Labels: Debt Ads on TV, Rip Off Loans

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Fine Print: "Limited offer. Select vehicles only. With approved credit. $99 down plus tax and registration. 28 monthly payments of $43.35 per $1000 financed. Based on 17.99% annual percentage rate."



See our first CarHop post here.

Labels: Debt Ads on TV, Note Lots

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Another example of the no-credit-check-weekly-payment rip-off loan program so you can get (eventually) stuff you don't really need!



See Weekly (over) Payments Part I for a play-by-play of how these types of services are a true rip-off.

Labels: Debt Ads on TV, Rip Off Loans

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"With my credit, I never thought I could get a brand new computer." Who says you have to use credit to get a brand new computer?



"Weekly payments starting at $29.99!" I just saw an awesome Dell PC (advertised at www.slickdeals.net) for just $389... and that included a 19" Wide screen LCD! Save $29.99 for 13 weeks and pay cash... I'd like to know how long you have to pay Circuit Country? One year? Two Years?

"Their flexible payment plans made it easy on my budget and my kids are getting ahead in school."

Easy on your budget? That's insane. Paying way more for something than it is worth is not easy on any one's budget!

And since when is it required that kids have a PC to get ahead in school? Teach them to not fall for garbage like this and they'll have a better chance at succeeding in life - regardless of how they do in school!

"With my new computer from Circuit Country I started my own business and now I'm my own boss." Good luck with that, buddy!

"Call now and we'll add a free color printer, a free 20" LCD and a free MP3 music player with your paid order."

"* Free promotional items will be delivered upon the first to occur: your balance is paid in full or twelve months after your first payment, without your account going into default under the terms of the Purchase Agreement. Actual items delivered may vary depending upon brand and product availability."

That says that there's at least a one year term on any of their purchases... Now, 52 weeks in a year at (starting at) $29.99 each... is at least $1559.58. Seems like there's nothing free about the "gifts" you get a year or so after you receive your PC. So, how did the guy that started his own business print any invoices during that first year? Hummmm.

Considering you can get a new dell for $389, a 20" LCD TV for about $180, a color printer for about $50 and an MP3 player for about $30; a total of $649... You're getting ripped off. Remember that the "easy payments" only start at $29.99, so they are probably higher! And from the fine print on the ad, there's a good chance that the term of loan is longer than one year!

As for the "exciting credit improvement program" that they want you to ask about... why do you need to improve your credit? So you can get more loans? They've worked so well for you so far! And I have to wonder, do they charge to enroll you?

See Weekly (over) Payments Part II for another example of this rip-off.

Labels: Debt Ads on TV, Rip Off Loans

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The worst part of this ad is that they suggest using payday loans to cover overdraft fees! Ouch!

Labels: Debt Ads on TV, Debt Propaganda, Payday Loans

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This one is an example of how people are taught to think that the only way to buy a car is to borrow money... It has become completely foreign in our culture to pay cash for a car.

Labels: Debt Ads on TV, Note Lots, Rip Off Loans

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These are really funny! Enjoy...

Real Financial Heros - Part I


Real Financial Heros - Part II


Real Financial Heros - Part III

Labels: Funny

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Labels: Funny

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There are so many things wrong with this ad... I don't even know where to start!

Labels: Debt Ads on TV, Payday Loans

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Have you ever seen people so happy to get hosed?

Labels: Debt Ads on TV, Pawn, Payday Loans

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When a company is willing to lend to someone who has really bad credit, it is because they're making a killing... their cars are marked up way more than anywhere else and they're charging outrageous interest rates.

Labels: Debt Ads on TV, Note Lots

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For all you tree-huggers out there, use Visa's business credit card (made of plastic) to save a tree and line Visa's wallet. :)

Labels: Big Plastic, Credit Cards, Debt Ads on TV, Debt Propaganda

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Pretend for a minute that you paid cash for home repairs...

Labels: Debt Ads on TV, Home Equity Loans

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Before consolidating all your credit cards, be sure you won't start running them up again! You'll find yourself with a large CONsolidation loan AND more credit card debt!

Labels: Debt Ads on TV, Debt Consolidation

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Try running your biz without debt... It can be done and there's less risk!

Labels: Business Loans, Debt Ads on TV

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